Not according to Jean Chatzky, one of the most popular personal-finance experts in the country, who has advised millions through her regular Today Show appearances and her columns in Money magazine. Now she shares the good news about a groundbreaking study she did with the Roper Organization; the Happiness Assessment. Her research shows that amount of money you make has surprisingly little to do with how financially happy you are. But the happiest people in America at all incorme levels tend to use the money strategies that Chatzky calls the "Ten Commandments of Financial Happiness." For instance, they pay their bills as they come in rather than all at one and minimize credit and debt. The bottom line: you have to pay attention to your money-and Chatzky shows you how to make the most of what you've got. But you certainly don't have to be rich achieve financial happiness. 作者简介：Jean Chatsky is the financial editor for NBC's Today show, has a monthly colomn in Money magazine, and is a featu

Even after the ruinous financial crisis of 2008, America isstill beset by the depredations of an oligarchy that is now bigger,more profitable, and more resistant to regulation than ever.Anchored by six megabanks—Bank of America, JPMorgan Chase,Citigroup, Wells Fargo, Goldman Sachs, and Morgan Stanley—whichtogether control assets amounting, astonishingly, to more than 60percent of the country’s gross domestic product, these financialinstitutions (now more emphatically “too big to fail”) continue tohold the global economy hostage, threatening yet another financialmeltdown with their excessive risk-taking and toxic “business asusual” practices. How did this come to be—and what is to be done?These are the central concerns of 13 Bankers, a brilliant,historically informed account of our troubled politicaleconomy. In 13 Bankers, Simon Johnson—one of the most prominent andfrequently cited economists in America (former chief economist ofthe International Monetary Fund, Professor of Entre

In this follow-up to his bestselling book, Using Technical Analysis, Clifford Pistolese reveals how to effectively apply technical analysis in your day-to-day trading decisions in order to select stocks with the greatest profit potential. Selecting Winning Stocks Using Technical Analysis gives you practical techniques and exercises for quickly evaluating stocks using simple methods of technical analysis. Pistolese shows you how to conduct your own independent research to obtain objective data and identify investment opportunities, allowing you to shed broker fees and avoid conflicts of interest. He provides expert advice on tactical trading errors, controlling your emotions, and steering clear of the “herd mentality,” as well as how to: Locate companies with effective business models Use free technical analysis resources on the Internet. Readjust your portfolio for bull, range-bound, and bear market phases. Diversify your investments to control risk. Recognize th

Forget what you’ve heard. Nice girls can get the corneroffice. As women, we haven’t always had the best role models at work. We’veeither worked for men or we’ve had female bosses who are, well, bigbitches. Woman still don’t have much of a road map right now whenit comes to taking charge at the office, so the team who broughtyou the national bestseller The Girl’s Guide to Starting YourOwn Business is drawing one for us. Caitlin Friedman andKimberly Yorio will teach you to be powerful without beingpossessive, to be opinionated without being brassy, and to have astrong voice without micromanaging. You’ll learn just how to ownthe role of queen bee in a positive way so that you can be morementor than manager, one who leads, inspires, and motivates. So, you finally got that promotion. You’re the boss now. Thesupervisor. The manager. The captain. The taskmaster. Those days oftaking orders, running errands, and clock-watching are over. Asexciting as all this might seem, once the rush of the pro

Owning a home has always been the American Dream, and in The Automatic Millionaire Homeowner , David Bach shows thatbuying a home and investment properties is not only possible, it isstill the surest way to reach your seven-figure dreams on anordinary income. Whether you are a renter or already own a home,Bach’s book offers a lifelong strategy for real estate based ontimeless wisdom that is tried and true—in any market. He includeseverything you need to know, with step-by-step instructions,including phone numbers and web sites, so you can get started rightaway. As long as you’re alive, you have to live somewhere. Why notlet where you live make you financially secure and ultimately rich?David Bach will show you how.

Offering a straightforward, non-intimidating approach tolearning investing, this book gives beginner investors theknowledge they need to understand documentation and investingconcepts--from key terms to complicated interest-bearingaccounts.

What does it take to create your New American Dream? Suze Orman, the woman millions of Americans have turned to forfinancial advice, says it’s time for a serious reconsideration ofthe American Dream—what promise it still holds, what aspects are inneed of revision, and how it must be refashioned to fit our livesso that we can once again have faith that our hard work will payoff and that a secure and hopeful future is within our reach. In nine electrifying chapters, Orman delivers a master class onpersonal finance for this pivotal moment in time. She addressesevery aspect of the American Dream—home, family, career,retirement. She teaches us that in order to create lasting securitywe must learn to stand in our truth. We must recognize, embrace,and be honest about what is real for us today and allow thatunderstanding to inform the choices we make. The New AmericanDream is not the things we accumulate, says Orman, but theconfidence that comes from knowing that which we’ve worked so hard

Through every type of market, William J. O'Neil's nationalbestseller, How to Make Money inStocks, has shown over 2 millioninvestors the secrets to successful investing. O'Neil'spowerful CANSLIM~ Investing Systemma proven seven-step process for minimizingriskand maximizing gains--has influenced generations ofinvestors.Based on a major study of all the greatest stock marketwinners from 1880 to 2009, thisexpanded edition gives you:

For Making Sense of Investing Today...the Fully Revised and Expanded Edition of the Bestselling The Motley Fool Investment Guide Today, with the Internet, anyone can be an informed investor. Once you learn to tune out the hype and focus on meaningful factors, you can beat the Street. The Motley Fool Investment Guide, completely revised and updated with clear and witty explanations, deciphers all the new information -- from evaluating individual stocks to creating a diverse investment portfolio. David and Tom Gardner have investing ideas for you -- no matter how much time or money you have. This new edition of The Motley Fool Investment Guide is built for today's investor, sophisticate and novice alike, with updated information on: * Finding high-growth stocks that will beat the market over the long term * Identifying volatile young companies that traditional valuation measures may miss * Using Fool.com and the Internet to locate great sources of useful information

“Beware of geeks bearing formulas.” --Warren Buffett In March of 2006, the world’s richest men sipped champagne in anopulent New York hotel. They were preparing to compete in apoker tournament with million-dollar stakes, but those numbersmeant nothing to them. They were accustomed to riskingbillions. At the card table that night was Peter Muller, an eccentric,whip-smart whiz kid who’d studied theoretical mathematics atPrinceton and now managed a fabulously successful hedge fund calledPDT…when he wasn’t playing his keyboard for morning commuters onthe New York subway. With him was Ken Griffin, who as anundergraduate trading convertible bonds out of his Harvard dormroom had outsmarted the Wall Street pros and made money in one ofthe worst bear markets of all time. Now he was thetough-as-nails head of Citadel Investment Group, one of the mostpowerful money machines on earth. There too were Cliff Asness, thesharp-tongued, mercurial founder of the hedge fund AQR, a man asf

The intimate, fly-on-the wall tale of the decline and fall of anAmerica icon With one notable exception, the firms that make up what we know asWall Street have always been part of an inbred, insular culturethat most people only vaguely understand. The exception was MerrillLynch, a firm that revolutionized the stock market by bringing WallStreet to Main Street, setting up offices in far-flung cities andtowns long ignored by the giants of finance. With its “thunderingherd” of financial advisers, perhaps no other business, whether infinancial services or elsewhere, so epitomized the American spirit.Merrill Lynch was not only “bullish on America,” it was a bigreason why so many average Americans were able to grow wealthy byinvesting in the stock market. Merrill Lynch was an icon. Its sudden decline, collapse, andsale to Bank of America was a shock. How did it happen? Why did ithappen? And what does this story of greed, hubris, and incompetencetell us about the culture of Wall Street that continues to

Let 2010 Set You on the Path to Wealth. Believe it or not, recessions make millionaires! Will you be one?In Start Over, Finish Rich, America's best-loved financial expert,David Bach, explains that 2010 will be the best opportunity forbuilding wealth we have seen in decades. And, as the economyrecovers, you must be set up to recover with it. Bach's easy,take-action plan will show you how. Start Over, Finish Rich supplies the ten crucial moves you mustmake in 2010 to get back on track and recapture your dreams of aricher future. Learn how to: * Get out of debt * Fix your credit * Rebuild your 401k plan * Improve your 529 Plan * Take smart risks * Reorganize your financial life for the high tech age * Update your real estate plan * Change your thinking about money * Recommit to wealth As Bach says, "A recession is a terrible thing to waste—so don'twaste this one! Use it instead to get rich." Read Start Over,Fini

With words like “recession” and “record unemployment” fillingthe air, the typical family–regardless of how the economy istreating them–will be paying attention to the budget. That’s why 99 Ways to Stretch Your Home Budget will receive a warmreception as it delivers scores of practical ideas to save casharound the house. Cheri Gillard , formerly an obstetrical and NICU nurse, is afreelance writer and editor, plus the mother of quadruplets.

Investment bankers used to be known as respectful of theirclients, loyal to their firms, and chary of the financial systemthat allowed them to prosper. What happened? From his prestigiousWall Street perches at Goldman Sachs and Morgan Stanley, JonathanA. Knee witnessed firsthand the lavish deal-making of thefreewheeling nineties, when bankers rode the wave of the Interneteconomy, often by devil-may-care means. By the turn of thetwenty-first century, the bubble burst and the industry was in freefall. Told with biting humor and unflinching honesty, populatedwith power players, back-stabbers, and gazillionaires, "TheAccidental Investment Banker "is Knee's exhilarating insider'saccount of this boom-and-bust anything-goes era, when fortunes weremade and reputations were lost. "A rare, ringside seat inside themadcap and often egomaniacal world of Wall Street's Masters of theUniverse . . . For would-be bankers, the book is an excellentprimer on what it's really like; for current bankers it will be aguilty pleasure.

The acclaimed New York Times bestseller-updated for the secondanniversary of the collapse of Bear Stearns The fall of Bear Stearns in March 2008 set off a wave of globalfinancial turmoil that continues to ripple. How could one of theoldest, most resilient firms on Wall Street go so far astray thatit had to be sold at a fire sale price? How could the streetfighters who ran Bear so aggressively miscalculate socompletely? Expanding with fresh detail from her acclaimed front-page seriesin The Wall Street Journal, Kate Kelly captures every sight, sound,and smell of Bear's three final days. She also shows how Bear's topexecutives descended into civil war as the mortgage crisis began tobrew.

Moneyball is a quest for the secret of success in baseball.Following the low-budget Oakland Athletics, their larger-than-lifegeneral manger, Billy Beane, and the strange brotherhood of amateurbaseball enthusiasts, Michael Lewis has written not only "thesingle most influential baseball book ever" (Rob Neyer, Slate) butalso what "may be the best book ever written on business" (WeeklyStandard). I wrote this book because I fell in love with a story.The story concerned a small group of undervalued professionalbaseball players and executives, many of whom had been rejected asunfit for the big leagues, who had turned themselves into one ofthe most successful franchises in Major League Baseball. But theidea for the book came well before I had good reason to writeit-before I had a story to fall in love with. It began, really,with an innocent question: how did one of the poorest teams inbaseball, the Oakland Athletics, win so many games? With thesewords Michael Lewis launches us into the funniest, smartest, andm

"Home Economics" reintroduces readers to all Grandma's thriftytips, down-home know-how, honest-to-goodness advice, and deliciousrecipes. Modeled on and compiled from vintage home-ec textbooks,this adorable guide contains everything needed to whip up and keepup a happy, healthy, and - most important - economical homelife.

When it comes to investing in the stock market, investors have plenty of options: 1. They can do it themselves. Trillions of dollars areinvested this way. (Of course, the only problem here is that most people have no ideahow to analyze and choose individual stocks. Well, not reallythe only problem. Most investors have no idea how toconstruct a stock portfolio, most have no idea when to buy andsell, and most have no idea how much to invest in the firstplace.) 2. They can give it to professionals to invest. Trillions of dollars are invested this way. (Unfortunately most professionals actually underperform the market averages over time. In fact,it may be even harderto pick good professional managers than it is to pick goodindividual stocks.) 3. They can invest in traditional index funds. Trillions of dollars are also invested this way.(The problem isthat investing this way is seriously flawed--and almost a guaranteeof subpar investment returns over time.) 4. They can read The Big Secret for the

The bestselling author and nationally syndicated radio host of"The Money Game" has helped thousands through his 12-week financialplanning program. His workbook format allows readers to frequentlyassess their progress and to face their situation honestly by usingthe questionnaires and fill-in charts throughout the book--the mostvaluable purchase a debt-ridden reader could ever make.

INVESTING PRINCIPLES FROM THE MASTER Ignore Sound Bites ThatRattle Markets Treat Market Pessimism as Your Friend Do the LittleThings Right Protect Your Capital When the Facts Turn Upside DownRely on CEOs Who Nurture Healthy Corporate Cultures Remember ThatLarge, Unfathomable Derivatives Are Still Financial Weapons of MassDestruction Seek Simplicity and Candor Millions of people downloadWarren Buffett’s shareholder letters, searching for tips from theworld’s greatest investor. Many miss the best part of his letter:his principles. It is their loss. Following these principles

Diversification provides a well-known way of getting something close to a free lunch: by spreading money across different kinds of investments, investors can earn the same return with lower risk (or a much higher return for the same amount of risk). This strategy, introduced nearly fifty years ago, led to such strategies as index funds. What if we were all missing out on another free lunch that’s right under our noses? In Lifecycle Investing, Barry Nalebuff and Ian Ayres—two of the most innovative thinkers in business, law, and economics—have developed tools that will allow nearly any investor to diversify their portfolios over time. By using leveraging when young—a controversial idea that sparked hate mail when the authors first floated it in the pages of Forbes—investors of all stripes, from those just starting to plan to those getting ready to retire, can substantially reduce overall risk while improving their returns. In Lifecycle Investing, readers will learn How to figure out the level of

The time was the1980s. The place was Wall Street. The game was called Liar’sPoker. Michael Lewis wasfresh out of Princeton and the London School of Economics when helanded a job at Salomon Brothers, one of Wall Street’s premierinvestment firms. During the next three years, Lewis rose fromcallow trainee to bond salesman, raking in millions for the firmand cashing in on a modern-day gold rush. Liar’s Poker is theculmination of those heady, frenzied years—a behind-the-scenes lookat a unique and turbulent time in American business. From thefrat-boy camaraderie of the forty-first-floor trading room to thekiller instinct that made ambitious young men gamble everything ona high-stakes game of bluffing and deception, here is MichaelLewis’s knowing and hilarious insider’s account of an unprecedentedera of greed, gluttony, and outrageous fortune.

David Bach has a plan to help you live and finish rich—no matterwhere you start So you feel like you’ve started late? You are not alone. What if I told you that right now as you flip through this book,70% of the people in the store with you are living paycheck topaycheck? What if I told you that the man browsing the aisle to your leftowes more than $8,000 in credit card debt? And the woman on yourright has less than $1,000 in savings? See? You’re really not alone. Unfortunately, the vast majority of people who’ve saved too littleand borrowed too much will never catch up financially. Why? Becausethey don’t know how. You can start late and finish rich—but you need aplan. This book contains the plan. It’s inspiring, easy to follow, and isbased on proven financial principles. Building a secure financialfuture for yourself isn’t something you can do overnight. It willtake time and it will take work. But you can do it. I know. I’ve helped millions of people get their financial livest

This book presents the theory of capital utilization, adiscussion of the econometrics of capital utilization, andeconometric tests of the theory using international data. Capitalutilization, defined as the proportion of time that capital isworking productively, is mainly affected by shift-working. Capitalutilization is an important economic variable that has receivedserious attention from economists only since the mid-1960s In thefirst part, the authors provide a synthesis of current knowledge,combining a consistent statement of existing theory with some majorextensions. In the second part, they turn to the econometrics,first discussing the appropriate methodology and then testing thetheory on data from several countries. This empirical work isconsiderably more sophisticated than previous studies on thistopic. Having established the theory and tested it, they move on toconsider policy, the relationship between capital utilization andeconomic growth, and the place of shift-work in the dualeconomy.