личные финансы (страница 23)

Автор: Elisabeth Leamy

Good Morning America correspondent and ABC News columnist reveals tips for achieving unbelievable savings In this battered economy, saving money matters more to consumers than ever before. But most people are tired of hearing about all the small stuff, like skipping their morning latte. They tried that, and it didn't work. Americans want fresh, bold ideas and Save Big: Cut Your Top 5 Costs and Save Thousands has them. In fresh, engaging prose, Elisabeth Leamy shows consumers how to save big on life's most important and costly items. Filled with actionable advice and the insider secrets readers are hungering for, Save Big Details how to save a lot of money on a few things rather than merely saving a little on a bunch of small items Reveals the keys to saving money and the challenges consumers face Educates consumers on how to save thousands on the five things most people spend the most money on: houses, cars, credit, groceries, and healthcare After the turbulent economic events of the recent past, more and more consumers are focusing on budgeting and creative ways to save money. Save Big can help.

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Автор: Woody Wade

Is your business ready for the future? Scenario planning is a fascinating, yet still underutilized, business tool that can be of immense value to a company's strategic planning process. It allows companies to visualize the impact that a portfolio of possible futures could have on their competitiveness. It helps decision-makers see opportunities and threats that could emerge beyond their normal planning horizon. Scenario Planning serves as a guide to taking a long-term look at your business, your industry, and the world, posing thoughtful questions about the possible consequences of some current (and possible future) trends. This book will help you: Outline (and help you prepare for) any trends that could play out in the future that could change the political, social, and economic landscapes and significantly impact your business Explore the impact of technological advances and the emergence of new competitors to your business Examine challenges that are only dimly recognizable as potential problems today This visual book will help you answer this question: Is my organization ready for every possibility?

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Автор: Alister E. McGrath

The leading introductory textbook on the study of religion and the natural sciences, including new coverage of the latest topics in the field Science and Religion provides students with a thorough introduction to the major themes and landmark debates in the interaction of science and religion. Incorporating history, philosophy, the natural sciences, and theology, this popular textbook examines how science and religion approach central questions and discusses the relationship between the two areas through the centuries. The authoritative and accessible chapters are designed for readers with minimal knowledge of science or theology.  Written by one of the world’s leading authorities on the study of religion and science, this fully revised and updated third edition addresses contemporary topics and reflects the latest conceptual developments in the field. New and expanded chapters and case studies discuss Scientism, evolutionary theodicy, the Theory of Relativity, warranted belief in science and religion, the influence of science and religion on human values, and more. The most up-to-date introduction to this exciting and rapidly growing field, this textbook: Offers an engaging, thematically-based approach to the subject Provides historical context for major events in science and religion Explores scientific and religious perspectives on Creation and the existence of God Discusses models, analogies, and issues at the intersection of science and religion Is supported by a series of videos that complement each chapter One of the most respected and widely adopted textbooks in the field, S cience and Religion: A New Introduction, 3rd Edition is an ideal resource for college, seminary, and university students in courses in science and religion; church or community courses in the relation of science and faith; and general readers looking for an inclusive overview of the field.

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Автор: Bruce Clay

The most comprehensive coverage of search engine optimization In Search Engine Optimization All-in-One For Dummies, 3rd Edition, Bruce Clay—whose search engine consultancy predates Google—shares everything you need to know about SEO. In minibooks that cover the entire topic, you'll discover how search engines work, how to apply effective keyword strategies, ways to use SEO to position yourself competitively, the latest on international SEO practices, and more. If SEO makes your head spin, this no-nonsense guide makes it easier. You'll get the lowdown on how to use search engine optimization to improve the quality and volume of traffic on your website via search engine results. Cutting through technical jargon, it gets you up to speed quickly on how to use SEO to get your website in the top of the rankings, target different kinds of searches, and win more industry-specific vertical search engine results! Includes new and updated material, featuring the latest on Bing!, Google instant search, image search, and much more Covers SEO and optimizing servers for SEO Provides important information on SEO web design Shows you how to use SEO to stay «above the fold» If you're a website owner, developer, marketer, or SEO consultant, Search Engine Optimization All-in-One For Dummies, Third Edition is the only resource you need to beat the competition.

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Автор: Daryl Dixon

Find Out if an SMSF is Right for You Are you thinking about setting up a self managed superannuation fund but unsure where to start? Are you worried that you're not maximising all the benefits an SMSF offers? In Securing Your Superannuation Future, Daryl Dixon offers practical, easy-to-understand tools and strategies to help you set up and run your own super fund. More Australians than ever are deciding to take control of their super, and Daryl's insights go beyond the standard requirements for running an SMSF. He reveals many tax-saving tips and practical steps to work through important decisions such as: Do you need professional assistance to run your fund? Who should be the trustees and members of your SMSF? What steps should you take to build your super in a tax-effective way? How do you construct your SMSF investment portfolio? When and how should you access your super? How can you maximise the amount of super you pass on to your beneficiaries?

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Автор: Barbara Smith

In The Self Managed Superannuation Fund Handbook, tax and superannuation specialists Barbara Smith and Dr Ed Koken show you how to take advantage of the simplified do-it-yourself superannuation and pension rules, and how to get the best out of your investments in the most tax-friendly way. This practical handbook covers: why you should set up and run your own fund investment options and strategies taxation tips and traps in running your fund accessing your retirement savings as pension This book is full of information for investors setting up or already running an SMSF, and professionals who provide superannuation and retirement planning advice to clients with SMSFs.

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Автор: Michael Masterson

In Seven Years to Seven Figures, self-made millionaire and renowned wealth coach Michael Masterson reveals the steps you can take to accumulate seven-figure wealth within seven years—or less. Seven Years to Seven Figures will give you the tools to increase your income, get the highest possible returns on investments, save wisely—and secure your financial future faster than you may have ever dreamed.

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Автор: Joel Saltzman

Joel Saltzman teaches readers how to create «surprising, yet inevitable» solutions, no matter the challenge or task at hand. Easily. Consistently. And economically. Shake That Brain! is a collection of creative and inspiring tips and tools for finding solutions in a variety of areas-from sales, marketing, and product creation to ethics, innovation, and the bottom line. Backed by powerful and compelling examples from a wide variety of real-life applications, Joel Saltzman delivers energy, edge-and lots of fun-as he guides readers through a series of proven formulas for creating outstanding solutions, from harnessing the power of opposite thinking to turning your worst ideas into your best ideas ever. Filled with exercises, easy-to-apply formulas, entertaining pop-quizzes, and eye-opening teaching examples from the world of business, technology, advertising, and more, here's a solution-finding guidebook that can be used for succeeding on the job or at home. Joel Saltzman is a professional speaker, consultant, and bestselling author. He has conducted Shake That Brain! programs for Grey Advertising International, Harley Davidson, the U.S. Department of the Treasury, and Warner Bros. Studios. His work has been called «witty and rewarding» by People Magazine and he's the recipient of a national Audie award for «Best Educational and Training Audio.» His website is www.shakethatbrain.com

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Автор: James Dunn

Get sharemarket savvy and put together the perfect share portfolio Do you want to invest in shares but don't know where to start? Find out how in this comprehensive yet easy-to-understand bible on all things shares. This updated, post–global financial crisis edition provides new examples, charts and resources, plus information on investing using the internet and spotting winners to pack into your portfolio. Know your bear market from your bull – cut through the sharemarket jargon and find clear explanations in plain English Get up-to-date information on tax and superannuation – check out the latest changes in government policy on capital gains tax and super Tackle trading with the ASX – learn how to use ASX Trade, the Australian Securities Exchange's new trading platform Make the most of your computer – find out about the latest software, buy stocks online and stay abreast of company news and movements Go global safely – know how to protect your overseas investments when you venture into the global economy Find out what happened in the global financial crisis – understand how it happened, how it affected the stock market and its longer-term implications Open the book and find: How to build a diversified portfolio Information on brokers and what they can do for you Ways to develop your own successful investment strategy Charts to help you analyse share prices and track trends What a float is and how to jump aboard How to understand and analyse a company prospectus Tips for trading local and international stocks online

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Автор: Артур Конан Дойл

Die BBC-Fernsehserie 'Sherlock' mit Benedict Cumberbatch und Martin Freeman in den Rollen von Holmes und Dr. Watson hat bei vielen Krimi-Freunden auch das Interesse an den 56 originalen Geschichten von Sir Arthur Conan Doyle geweckt. H?rt hier eine Sherlock-Holmes-Geschichte im Original aus dem Band 'Die Abenteuer von Sherlock Holmes'.

Исполнители: Wolfgang Gerber

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Автор: Eva Diaz

Trading is a business and, and as with any business, those businesses who survive and thrive have a business plan in place. Smart Trading Plans guides readers through defining and documenting a trading plan which applies to their individual trading business. Smart Action Steps and example plan elements are included to guide readers through and illustrate the process of developing a plan. Smart Trading Plans guides readers through the following: Creating a trading system Developing a trading routine Selecting the right trading tools Entries, exits and trade management Understanding risk and money management Developing a profitable mindset Strategies for trading Complete with useful trading tips and bonus planning templates (available at www.smarttrading.com.au), Smart Trading Plans is essential reading for all savvy traders.

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Автор: Jim Sterne

The only guide devoted exclusively to social media metrics Whether you are selling online, through a direct sales force, or via distribution channels, what customers are saying about you online is now more important than your advertising. Social media is no longer a curiosity on the horizon but a significant part of your marketing mix. While other books explain why social media is critical and how to go about participating, Social Media Metrics focuses on measuring the success of your social media marketing efforts. Success metrics in business are based on business goals where fame does not always equate to fortune. Read this book to determine: Why striving for more Twitter followers or Facebook friends than the competition is a failing strategy How to leverage the time and effort you invest in social media How to convince those who are afraid of new things that social media is a valuable business tool and not just a toy for the overly-wired Knowing what works and what doesn't is terrific, but only in a constant and unchanging world. Social Media Metrics is loaded with specific examples of specific metrics you can use to guide your social media marketing efforts as new means of communication.

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Автор: Jonathan Peterson

“Social Security for Dummies is a must read for people of any age who want a comfortable retirement. … The difference between a smart claiming strategy and a dumb one can cost you hundreds of thousands of dollars, so you'll want to invest in this book.”    —Liz Weston,  personal finance columnist and author of the bestselling Your Credit Score and   The 10 Commandments of Money  Claim the benefits you’ve earned    The award-winning  Social Security For Dummies— now in its fourth edition— is the one guide you need to navigate the often-complex world of Social Security benefits. You’ll learn when to start claiming, how much you can expect to receive, where to find Social Security calculators, and more.  Since 1937, workers across the United States have set aside a portion of their wages to fund Social Security, which, for many of us, forms the basis of our retirement income. Despite its central importance in our lives, few of us understand how Social Security really works. That’s where  Social Security For Dummies  comes in. Written in an easy-to-follow, clear language, it provides comprehensive information on how to negotiate the sometimes labyrinthine system and claim everything you qualify for. You’ll learn how to:  · Navigate the Social Security website  · Know which options you qualify for  · Use Social Security calculators  · Get answers to frequently asked questions  Retirement is the time for you to kick back, relax, and enjoy the fruits of your labors— Social Security For Dummies  makes it easier. Praise for   Social Security For Dummies :    “ Social Security for Dummies  is a must read for people of any age who want a comfortable retirement. Jonathan Peterson does a great job of explaining this complicated system and helps you understand how to get the most from the benefits you've earned. The difference between a smart claiming strategy and a dumb one can cost you hundreds of thousands of dollars, so you'll want to invest in this book.”     —Liz Weston,  personal finance columnist and author of  The Ten Commandments of Money   “This is your go-to book on Social Security. Chock-full of useful tips, easy to use, and well organized, it answers all your questions about Social Security.”  — Steve Vernon,   author of  Money for Life: Turn Your IRA and 401(k) Into a Lifetime Retirement Paycheck  and CBS MoneyWatch commentator  “ Social Security for Dummies[i] is indispensable for anyone who wants to get the best possible deal from Social Security – and that means all of us, young and old, because everyone will need Social Security benefits in this era of disappearing pensions and dwindling savings. Strategies for single people, for married couples, for survivors, for divorced people: You can find expert advice on all these subjects and more in this ea

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Автор: Jonathan Peterson

Make sure you get the benefits you've earned Navigate your way around the complex system with ease Incorporate Social Security into your financial plan Your Social Security safety net Social Security exists to give us peace of mind, yet most of us spend sleepless nights anxious about our finances as we move on to the next phase of life. Luckily, this easy-to-access guide takes the worry out of navigating the complex Social Security system, offering the sound, trusted guidance you need to ensure you're getting the most out of your benefits. In no time, it gives you a clear understanding of when and how to apply so you can rest easy knowing that you and your family are getting the benefits you've earned. Inside… Get advice on when to start collecting Protect your dependents File for benefits Manage the appeals process Get the paperwork right Help a loved one apply Decipher disability benefits Find out how Social Security and Medicare work together

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Автор: Jonathan Peterson

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Автор: H. Baker Kent

A detailed look at the role of social responsibility in finance and investing The concept of socially responsible finance and investing continues to grow, especially in the wake of one of the most devastating financial crises in history. This includes responsibility from the corporate side (corporate social responsibility) as well as the investor side (socially responsible investing) of the capital markets. Filled with in-depth insights and practical advice, Socially Responsible Finance and Investing offers an important basis of knowledge regarding both the theory and practice of this ever-evolving area of finance. As part of the Robert W. Kolb Series in Finance, this book showcases contributed chapters from professionals and academics with extensive expertise on this particular subject. It provides a comprehensive view of socially responsible foundations and their applications to finance and investing as determined by the current state of research. Discusses many important issues associated with socially responsible finance and investing, like moral hazard and the concept of «too big to fail» Contains contributed chapters from numerous thought-leaders in the field of finance Presents comprehensive coverage starting with the basics and bringing you through to cutting-edge, current theory and practice Now more than ever, we need to be mindful of the social responsibilities of all investment practices. The recent financial crisis and recession has changed the financial landscape for years to come and Socially Responsible Finance and Investing is a timely guide to help us navigate this difficult terrain.

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Автор: Jacques Fontanille

Este libro recorre las diferentes concepciones del cuerpo en la antropolog?a, el psicoan?lisis, las ciencias cognitivas y la filosof?a, para extraer representaciones recurrentes y dar, de estas ?ltimas, una formulaci?n operativa para el an?lisis semi?tico; recorrido que culmina en la definici?n y tipolog?a de las figuras-cuerpo, las cuales desembocan a su vez en una «semi?tica de la huella».

Исполнители: Екатерина Булгару

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Автор: Glen James

It's time to learn how to manage your money and understand investing In Sort Your Money Out: and Get Invested , former financial adviser and host of the my millennial money podcast Glen James shares a life-changing approach to the major milestones of your personal finances, such as dealing with debt, embracing a realistic spending plan that works, buying your first home, investing in shares and creating the plan you need for long-term financial success. You’ll get the accessible and friendly help you need to get smart with your money, and equip you with the skills and tools to understand and secure your financial future, invest in a property, in shares and in yourself. Written in a matter-of-fact style perfect for anyone who just wants to know what works for them, you’ll also learn about: Realistic ways to increase your income and help balance your budget The methods that lead to a safer, more stable financial future The smart way to invest in real estate and purchase a home or investment property How to understand the share market, ethical investing, and your superannuation Getting out of debt and getting the most out of your life Ideal for anyone trying to get a handle on their personal finances and get started building a portfolio, Sort Your Money Out is a one-of-a-kind must-read book filled with practical and entertaining financial help to make sense of an intimidating, but crucial, part of everyone’s lives.

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Автор: Paul Gordon

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Автор: Keith McCormick

The ultimate beginner's guide to SPSS and statistical analysis SPSS Statistics For Dummies is the fun and friendly guide to mastering SPSS. This book contains everything you need to know to get up and running quickly with this industry-leading software, with clear, helpful guidance on working with both the software and your data. Every chapter of this new edition has been updated with screenshots and steps that align with SPSS 23.0. You'll learn how to set up the software and organize your workflow, then delve deep into analysis to discover the power of SPSS capabilities. You'll discover the mechanics behind the calculations, perform predictive analysis, produce informative graphs, and maximize your data, even if it's been awhile since your last statistics class. SPSS is the leading statistical software for social sciences, marketing, health care, demography, government, education, data mining, and more. This powerful package gives you the tools you need to get more out of your data, and this book is your beginner-friendly guide to getting the most out of the software. Install and configure SPSS and learn the basics of how it works Master the process of getting data into SPSS and manipulating it to produce results See how to display data in dozens of different graphic formats to fit specific needs Make SPSS manufacture the numbers you want and take advantage of the many analysis options Discover ways to customize the SPSS interface and the look of your results, edit graphics and pivot tables, and program SPSS with Command Syntax Statistical analysis is crucial to so many industries, and accuracy and efficiency are crucial. SPSS offers you the capability to deliver, but you still must know how to take utmost advantage of the tools at your fingertips. SPSS Statistics For Dummies shows you how to handle data like a pro, with step-by-step instruction and expert advice.

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Автор: Ulrike Kuhlmann

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Автор: Peter Gerdes

Hauptkommissar Stahnke ist ein Mensch, den man einfach m?gen muss. Ehrlich, loyal, ein wenig chaotisch und mit ein paar Marotten. Hier erlebt Stahnke in 18 Kurzkrimis so manche harte Nuss, die es zu knacken gilt. Da wird das verd?chtige Blinken der Kaffeemaschine zum Indiz und der Dackel von Stahnkes Kollegen Kramer zum Hauptverd?chtigen in einem Todesfall. Jede Geschichte besticht mit viel Lokalkolorit und liebevoll gezeichneten Charakteren – immer mit einem Hauch Ironie.

Исполнители: Павел Константиновский

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Автор: Thomas Stanley J

The bestselling author of The Millionaire Next Door reveals easy ways to build real wealth With well over two million of his books sold, and huge praise from many media outlets, Dr. Thomas J. Stanley is a recognized and highly respected authority on how the wealthy act and think. Now, in Stop Acting Rich ? and Start Living Like a Millionaire, he details how the less affluent have fallen into the elite luxury brand trap that keeps them from acquiring wealth and details how to get out of it by emulating the working rich as opposed to the super elite. Puts wealth in perspective and shows you how to live rich without spending more Details why we spend lavishly and how to stop this destructive cycle Discusses how being «rich» means more than just big houses and luxury cars A defensive strategy for tough times, Stop Acting Rich shows readers how to live a rich, happy life through accumulating more wealth and using it to achieve the type of financial freedom that will create true happiness and fulfillment.

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Автор: Alyssa Abbey

Want to energise your life? Need a bit more get up and go? Fed up with the Friday night collaspse or the 4 o’clock wobbles? Never have the energy to seize the day? We all have the potential for boundless energy and Alyssa Abbey is here to show us how to unleash it. Kiss goodbye to the exhausted evenings flopped on the sofa and say hello to life, love and happiness. Learn how to banish those excuses and increase your physical, intellectual, emotional and spiritual energy. Stop Making Excuses and Start Living With Energy is packed with worksheets, questionnaires and top tips to help you compile a practical and realistic plan for vitality and happiness. At last, simple answers to making busy people feel better!

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Автор: Dave Lakhani

If you're an entrepreneur, salesperson, advertiser, or business owner, understanding the art of subliminal persuasion will give your bottom line a big boost. In Subliminal Persuasion, master marketer Dave Lakhani reveals in step-by-step detail the exact techniques that really work in persuading and influencing others. It's not about lying or tricking anyone. It's about know what will appeal to people and how communicate that appeal effectively, profitably, and ethically. This is marketing that really convinces.

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Автор: Dirk Zeller

Your no-nonsense guide to becoming a successful real estate agent in the Australian and New Zealand markets As the Australian and New Zealand housing markets begin to recover, now is the time to make the jump to your new career as a real estate agent. If you're already an agent, it's a great time to sharpen your skills and increase your commissions. Success as a Real Estate Agent For Dummies provides the foundation and advice you need to become a real estate superstar. Written specifically for agents and potential agents in Australia and New Zealand, this handy, plain-English guide gives you all the tools you need to bring in new prospects, close sales, build a referral base, plan open houses, present and close listing contracts, and give yourself a leg up on the competition. Whether you want to get involved in commercial or residential real estate, you'll find all the guidance you need to do it right. Includes handy tips and tricks for working with buyers Offers practical advice on prospecting and generating leads online, including how to use social media Presents tried-and-true tactics and fresh ideas for closing deals Whether you're looking to get started in real estate, or you're a working agent who wants to up your game, Success as a Real Estate Agent For Dummies gives you the tools and insight you need to compete—and succeed.

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Автор: Barry Ritholtz

Prosper from the profitable opportunities of the next financial market super boom In 1976, Yale Hirsch predicted a fifteen-year super boom—a move in the stock market of 500% or more. His forecast proved accurate as the market rose and continued upward, eventually posting growth over 1,000% just before the tech crash in 2000. In Super Boom, Jeffrey Hirsch, President of the Hirsch Organization and Editor in Chief of the Stock Trader's Almanac, unveils the next market expansion. Building on his father's research from 1976, Hirsch has discovered that meteoric rises in stock indices are due to specific catalysts predominantly outside of the financial markets. History has a way of repeating itself, especially in the financial markets. The American economy, and subsequently the world economy, has always existed in a cycle of boom and bust: gold, grain, oil, technology, and most recently, real estate, have all bubbled and popped. The key to investing profitably is spotting macroeconomic historical trends and positioning to reap the benefits. Step-by-step, Hirsch puts together the pieces of this puzzle by revealing the central drivers of a super boom. Examines how new cultural paradigm-shifting technologies, as well as peace between major wars, could fuel a super boom Discusses how the massive injection of money by the government, in response to the global financial crisis and the Great Recession, as well as wartime spending, will eventually create an inflationary environment The data and research found here is based on historical information and the boom-and-bust cycle of the past century As markets and economies struggle over the next several years, remember to keep your eye on the future and get ready for the coming super boom and the next 500% move in the market. With this book as your guide, you'll benefit from the insights that only Jeffrey Hirsch can provide.

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Автор: Chris Ziegler

Excited about the new Google phone? T-Mobile’s G1 android phone is packed with possibilities, and T-Mobile G1 For Dummies will help you make the most of them. This fun and friendly guide shows you how to navigate the G1’s android interface, make phone calls, view maps, manage contacts, browse the Web, and a whole lot more. Your T-Mobile G1 is so much more than a phone—it’s also an administrative assistant, movie theater, jukebox, mobile office, and several more things all rolled into one device. With T-Mobile G1 For Dummies, you can: Find out all about the Android smartphone operating system and what it offers Learn your way around the G1’s keyboard, buttons, and touch screen See how your G1 connects to both Wi-Fi networks and T-Mobile’s high-speed network Surf the Web, download music and picture files, and tweak browser settings Send and receive Gmail, get where you’re going with Google Maps, and stay organized with Google Calendar Take photos, check out YouTube, and fill your phone with media Manage your e-mail and choose which messages will be synced to your phone Shop the Android Market and discover more cool apps for your G1 Don’t waste a single cool feature of your T-Mobile G1! T-Mobile G1 For Dummies shows you how to use all the great Google functions, play (and even buy) music, browse the Web, add apps, and more.

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Автор: Connie Dieken

Talk Less, Say More is a revolutionary guide to 21st century communication skills to help you be more influential and make things happen in our distracted, attention-deficit world. It's loaded with specific tips and takeaways to ensure that you're fully heard, clearly understood, and trigger positive responses in any business or social situation. It's the first book to deliver a proven method to master the core leadership skill of influence. Talk Less, Say More lays out a powerful 3-step method called Connect, Convey, Convince (R) and guides you in how to use these habits to be more influential. This succinct book solves your modern communication issues in today's demanding, distracted world at a time when interaction skills are plummeting. Communication is the single greatest challenge in business today. It takes just 3 habits to conquer it. Talk Less, Say More will help you achieve more with less. Less wordiness. Less tune-out. Less frustration. You'll gain more time. More positive outcomes. More rewarding relationships.

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Автор: Laura Crawshaw

Taming the Abrasive Manager is an ideal resource for managers, human resource professionals, coaches, and anyone who works for or with an abrasive boss. Executive coach Dr. Laura Crawshaw— known as the “Boss Whisperer” for her work in this field—shares her discoveries on how to tame the deep fears that drive abrasive managers to attack their coworkers. In her straight-shooting style, Crawshaw offers invaluable insights gained from her encounters with abrasive bosses in corporate jungles who aggressively defend against threats to their dominance in the high-risk business of survival. These insights, combined with lessons learned from employees and organizations who have successfully reined in their unmanageable bosses, provide realistic solutions that will improve the workplace for everyone.

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Автор: Sarah Laing

Fully updated for the 2010/2011 tax year, this book takes the hassle out of tax Although you can't escape tax, you can make it easier to deal with. Whether you want to work out the taxes on your own business, make tax-efficient investments or simply understand where your money's going, this plain-English guide has it all. Get to grips with the UK tax system and discover how to make potentially significant savings on your tax bill. Tax facts – get the low-down on tax essentials Tax through your ages – find out how to make the most tax-savvy decisions at every stage of your life Pensions and benefits – understand the ins and outs of taxes paid on pensions and state benefits Working for someone else – keep an eye on your pay packet and make the most of incentive schemes Working for yourself – learn how to manage your company's taxes, whether you're just starting out or are a veteran business-owner Open the book and find: Advice on complying with self-assessment regulations Techniques for calculating how much income tax you owe Updates on the most tax-friendly investments for you and your children How to manage property tax, whether you're buying, selling or renting Ways to reduce inheritance tax The best way to pay VAT on your own business The tax benefits of becoming a limited company Day-to-day tax-saving techniques «Tax 2010/2011 For Dummies is expertly written in plain, everyday language that makes a complicated subject easy to understand. It's simple to follow, and full of invaluable tax tips and reminders. Highly recommended for someone looking for a straightforward introduction to the world of tax.» —Mark McLaughlin, CTA (Fellow) ATT TEP, Chartered Tax Consultant, Author and Editor Learn to: Understand your tax status and fulfil your legal obligations Calculate your business taxes Fill out a self-assessment form Make tax-efficient investments

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Автор: Jimmy B. Prince

Take on your tax with confidence and get the most out of your next tax return Do you want to be sure you're getting the maximum tax refund? Of course you do! And Tax For Australians for Dummies, Third Edition is the only resource you need to ensure that you get every cent you deserve. Written by respected tax specialist and CPA fellow Jimmy B. Prince, this book guides you, step by step, through the labyrinthine world of the Australian tax system to help you understand exactly what you can claim. Providing complete coverage of changes to tax legislation for the 2011/12 tax year, including the recently passed climate change tax legislation, as well as proposed changes that haven't quite made into law yet, the book has you covered from every angle. Designed to help you take advantage of everything from investments to kids to government concessions, Tax For Australians for Dummies tells you everything you need to know to beat the taxman at his own game. Designed specifically for Australians Includes everything you need to build your tax knowledge Contains essential new information on claiming home office, work car, and self-education expenses and uses case studies to illustrate your opportunities to save Whether you're an employee, investor, small business owner, retiree, or student, Tax For Australians for Dummies, Third Edition is the easy-to-follow guide that answers all your tax questions.

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Автор: Hoyt Barber

Filled with in-depth insight and expert advice, Tax Havens Today arms you with the knowledge, strategies, and contacts needed to avoid expensive mistakes and make the most of your offshore endeavors. Divided into four comprehensive parts, this timely resource will bring you completely up to speed on a variety of issues that anyone aspiring to go offshore must be familiar with.

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Автор: Kathleen Hopkins R

Practical ideas for teaching students the skills they need to really learn This vital teachers' resource answers such questions as «Can intelligence be developed? Do teacher expectations shape student learning? How can I make learning 'stick' for my students?» Drawing from theory and research in learning, this book offers clear, practical guidance along with inspirational ideas to show how teachers can enable students to gain both the cognitive competence and confidence needed to succeed academically. Offers techniques for students to develop their reading, writing, and math abilities Provides suggestions for helping students build perseverance and diligent work habits Helps cultivate students' reasoning skills for problem solving Includes ideas for teachers to improve their students' verbal and written skills The book applies to any and all learners, including special needs students, and is richly illustrated with stories, activities, and examples from across the curricula.

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Автор: Alasdair Nairn

The enduring legacy of a legendary investor Called the «greatest stock picker of the century» by Money magazine, legendary fund manager Sir John Templeton is remembered as one of the world's foremost investors, known for his pioneering insights and phenomenal investment performance over a professional career which spanned more than half a century. Templeton’s Way with Money provides a unique, professional 21st century appraisal of what made this formidable investor the success he was—and why his methods remain as valid today as they were during his long and successful lifetime. Written by two investment experts, one of whom worked closely with Sir John for ten years, and drawing on previously unpublished documents, the book explains in detail how John Templeton's simple but effective investment philosophy of riding out the ups and downs of the market cycle continues to be as relevant as ever for professional and private investors alike. Key features include: A fresh and detailed reappraisal, drawing on a number of previously unpublished documents, of the philosophy which Templeton applied to the two phase of his investment career—first as an investment counsel, and latterly as the most successful global fund manager of his generation A detailed and original study of the performance of the Templeton Growth Fund, demonstrating in detail how Templeton achieved the Holy Grail of investment—above average returns with below average risk First hand accounts from former colleagues of their experience in working with Templeton—including those of author Alasdair Nairn's ten-year career working with and for the investment management organization that was Templeton's life work Proprietary and original research which explains why Templeton's seemingly simple investment philosophy is sure to produce exceptional returns if implemented effectively Current market conditions make Templeton's contrarian investment method of profiting from pessimism particularly relevant today, and this book a must-read for anyone working with investments.

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Автор: Barry DeVille

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Автор: Jean Blacklock

Stepping Lightly Around the Pitfalls of Estate Planning… Estate planning is one of those unpleasant but really important tasks. Unfortunately, the process is not only hard to get started, it is then easy to make mistakes. Even the most careful and well-intentioned person can slip up along the way. Avoid the pitfalls! The 50 Biggest Estate Planning Mistakes outlines the major mistakes and their consequences in an entertaining way-and then proceeds to tell you exactly how to avoid these mistakes. Delivering practical and helpful information in a light tone, the authors help to make these sometimes difficult conversations a little easier. The book's fifty concise chapters are filled with real-life examples, organized under four key areas of mistakes: The biggest mistake of not planning at all Failing to plan for the possibility of mental incompetency Mistakes made during the estate planning process itself And common mistakes made by executors Written by personal finance and estate planning experts, Jean Blacklock and Sarah Kruger, The 50 Biggest Estate Planning Mistakes and How To Avoid Them is an essential guide for Canadians interested in planning their estates effectively, with minimal stress on their loved ones.

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Автор: Moshe Milevsky A

The 800 years of scientific breakthroughs that will help salvage your retirement plans Physics, Chemistry, Astronomy, Biology; every field has its intellectual giants who made breakthrough discoveries that changed the course of history. What about the topic of retirement planning? Is it a science? Or is retirement income planning just a collection of rules-of-thumb, financial products and sales pitches? In The 7 Most Important Equations for Your Retirement…And the Stories Behind Them Moshe Milevsky argues that twenty first century retirement income planning is indeed a science and has its foundations in the work of great sages who made conceptual and controversial breakthroughs over the last eight centuries. In the book Milevsky highlights the work of seven scholars—summarized by seven equations—who shaped all modern retirement calculations. He tells the stories of Leonardo Fibonnaci the Italian businessman; Benjamin Gompertz the gentleman actuary; Edmund Halley the astronomer; Irving Fisher the stock jock; Paul Samuelson the economic guru; Solomon Heubner the insurance and marketing visionary, and Andrey Kolmogorov the Russian mathematical genius—all giants in their respective fields who collectively laid the foundations for modern retirement income planning. With baby boomers starting to hit retirement age, planning for retirement income has become a hot topic across the country Author Moshe Milevsky is an internationally-respected financial expert with the knowledge you need to assess whether you are ready to retire or not Presents an entertaining, informative narrative approach to financial planning Understanding the ideas behind these seven foundation equations—which Moshe Milevsky explains in a manner that everyone can appreciate—will help baby boomers better prepare for retirement. This is a book unlike anything you have ever read on retirement planning. Think Suze Orman meets Stephen Hawking. If you ever wondered what the point of all that high school mathematics was, Moshe Milevsky's answer is: So that you can figure out how to retire…while you can still enjoy your money.

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Автор: David Wiedemer

From the authors who accurately predicted the domino fall of the conjoined real estate, stock, and private debt bubbles that led to the financial crisis of 2008, comes the definitive guide to protection and profit in 2013 and beyond. Based on the authors' unmatched track record of accurate predictions in their three landmark books, America’s Bubble Economy, Aftershock, and Aftershock Second Edition, this new book offers what readers have been clamouring for: a detailed guide to how to survive and thrive in the next global money meltdown. Entirely updated with three new chapters, plus more actionable insights and detailed advice, The Aftershock Investor second edition spells out clearly and concisely exactly what smart investors need to know right now, before the worldwide Aftershock hits. Specifically, readers will discover that… This so-called economic «recovery» is 100% fake (see new Chapter 1) And is working to temporarily support our multibubble economy (Chapter 2) Based on massive money printing that will only make our problem even worse later (Chapter 3) When mounting future inflation and climbing interest rates will inevitably push us over the Market Cliff (new Chapter 4) Going over the Market Cliff will surprise most conventional investors (Chapter 5), Crash the stock market (Chapter 6) Diminish bonds (Chapter 7) Depress real estate (Chapter 8) Threaten insurance and annuities (Chapter 9) And make gold and other precious metals soar (Chapter 10) If you can keep your job or business before and during the Aftershock (Chapter 11) And be smart about spending, savings, and debt (new Chapter 12) You can learn now how to best protect your retirement (Chapter 13) And most importantly, how to defend yourself and your assets with an innovative, actively managed Aftershock investment portfolio (Chapter 14)… Before it's too late.

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Автор: Ian Dodson

The premier guide to digital marketing that works, and a solid framework for success The Art of Digital Marketing is the comprehensive guide to cracking the digital marketing 'code,' and reaching, engaging, and serving the empowered consumer. Based on the industry's leading certification from the Digital Marketing Institute (DMI), this book presents an innovative methodology for successful digital marketing: start with the customer and work backwards. A campaign is only effective as it is reflective of the consumer's wants, needs, preferences, and inclinations; the DMI framework provides structured, implementable, iterative direction for getting it right every time. The heart of the framework is a three-step process called the 3i Principles: Initiate, Iterate, and Integrate. This simple idea translates into higher engagement, real customer interaction, and multichannel campaigns that extend even into traditional marketing channels. The evolution of digital marketing isn't really about the brands; it's about consumers exercising more control over their choices. This book demonstrates how using this single realization as a starting point helps you build and implement more effective campaigns. Get inside the customer's head with deep consumer research Constantly improve your campaigns based on feedback and interactions Integrate digital activities across channels, including traditional marketing Build campaigns based on customer choice and control Digital marketing turns traditional marketing models on their heads. Instead of telling the customer what to think, you find out what they already think and go from there. Instead of front-loading resources, you continually adjust your approach based on real interactions with real customers every day. Digital marketing operates within its own paradigm, and The Art of Digital Marketing opens the door for your next campaign.

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Автор: Christopher Tate

The exchange-traded options market is one of the most dynamic and innovative markets in Australia, and options themselves are among the most profitable tools available to traders. While traditional investors can only make a profit when the market is rising, traders in options can make money whether the market is moving up or down. The leverage they provide also allows traders to control a large amount of stock with a comparatively small amount of money. In The Art of Options Trading in Australia, experienced and highly successful options trader Christopher Tate shows you how to make the most of these valuable tools. Starting with the basics of defining options, Chris goes on to look at: How options are priced, and what factors influence this Reading option quotes and payoff diagrams How the passing of time and changes in volatility affect options The 'Greeks' and how to use them Using the internet to assist your options trading Spreads, straddles and strangles Warrants, and the different types available.

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Автор: Scott Pape

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Автор: Mike Kwatinetz

Insights for today's hot stocks, and winning strategies for tomorrow's, from Wall Street's #1 Tech Analyst This is not your grandpa's Wall Street. Stocks are more volatile now than ever. Even with all their potential for meteoric success, high tech investments are synonymous with high risk. This entertaining primer, by one of the leading tech analysts on Wall Street, offers a practical step-by-step guide for identifying tomorrow's hot stocks today. Why do certain technology companies succeed while others falter and disappear? Which businesses will rule the post-PC era? Kwatinetz discusses what's coming down the pike in the next few years and who the key players will be. He shows how to filter out the noise, and come up with an independent assessment of how much a stock is worth, and reveals ten rules of thumb that will help investors build a powerful portfolio.

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Автор: Александр Криворучко

"The BOOK of BITMAN – Крипта от А до Я" – это увлекательный и понятный путеводитель в мире цифровых валют, предназначенный для тех, кто только начинает свой путь в мире криптовалют. В этой книге вы найдете все необходимые знания, чтобы разобраться в основах криптотехнологий.Автор подробно рассказывает о том, что такое криптовалюты и какие возможности они предоставляют для инвестирования и финансовых операций. Через доступный язык и простые примеры книга объясняет, как создать свой первый криптокошелек, как безопасно проводить транзакции и как выбирать перспективные проекты для инвестирования.Эта книга не только поможет вам разобраться в технических аспектах криптовалют, но и научит, как избежать распространенных ошибок и мошеннических схем. Следуя советам автора, читатель сможет принимать осознанные финансовые решения.Эта книга идеальный компаньон для всех, кто ищет надежное и понятное руководство по криптовалютам, чтобы начать свой путь к финансовой независимости.

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Автор: Vanessa Stoykov

A new way of seeing life and money High school's over. We're no longer the nerd, the athlete, the princess or the bad boy. Instead, we are the parent, worker, wife, husband, daughter or son. But we all have things in common – and one of them is money. People have always sought financial freedom, but our influences, from our parents to our community, have made our grounding in money anything but helpful. In fact, that grounding might be the thing that is holding us back. The Breakfast Club for 40-Somethings draws upon the five major lessons you need to unlearn about the way you see your life and money to give you the best chance of getting the future you want. Written in the form of a novel from the perspective of six unique characters, the book explores how the different financial decisions and behaviours of each character have led to their current situations. Through this entertaining story, this guide presents the invaluable financial and life lessons you need to understand, to build a solid foundation for your life, no matter your situation. If you don't like traditional self-help or finance books, this is for you. The Breakfast Club for 40-Somethings offers a new and entertaining way to change your long-term financial behaviours for the better.

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Автор: Ben Stein

Investors, shell-shocked by the «Great Recession» of 2008-2009, are looking for answers, for something fresher than the old 'buy-and-hold' mantra. They hunger for stability, yet yearn for growth to rejuvenate their battered portfolios. Ray Lucia's The Buckets of Money Retirement Solution: The Ultimate Guide to Income for Life provides just that—a reassuring and scientifically proven strategy that gives investors both growth and income. Lucia, a Certified Financial Planner who's helped thousands of people invest more than $2 billion, explains how to spend down 'safe' buckets (containing, for example, Treasuries, CDs, bonds), while leaving a riskier bucket (real estate, stocks and alternative investments) to grow long-term. This strategy shields investors from the short-term ups and downs of the market. And it gives them the courage and discipline to stay invested no matter what the future holds. Written in a breezy, accessible style and loaded with tons of examples and clear, specific calculations, the book explains how to set your financial goals, divvy up your money accordingly, and then invest intelligently. With this book as your guide, readers will learn how to achieve both income and growth while at the same time reducing risk. «All in all,» Lucia writes, «this plan is akin to a sports car that seats six, approximating the best of both worlds. In this case by being a conservative strategy that’s also growth-oriented.» Almost every kind of investment—stocks, bonds, commodities, real estate—plunged in the past year or two, turning off millions of investors who'd been planning for and counting on a reasonably comfortable retirement. These retirees or near-retirees need solutions … something fresher than the old 'buy-and-hold' mantra. Yet here's what they hear from the financial-services industry: Set up an asset-allocation model, then take a systematic withdrawal to support your retirement … remembering, of course, to rebalance the accounts to remain in sync with the model. Wrong! That maximizes the advisors' fees but doesn't protect the investors' assets during the tough times.

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Автор: Marin Katusa

How the massive power shift in Russia threatens the political dominance of the United States There is a new cold war underway, driven by a massive geopolitical power shift to Russia that went almost unnoticed across the globe. In The Colder War: How the Global Energy Trade Slipped from America's Grasp, energy expert Marin Katusa takes a look at the ways the western world is losing control of the energy market, and what can be done about it. Russia is in the midst of a rapid economic and geopolitical renaissance under the rule of Vladimir Putin, a tenacious KGB officer turned modern-day tsar. Understanding his rise to power provides the keys to understanding the shift in the energy trade from Saudi Arabia to Russia. This powerful new position threatens to unravel the political dominance of the United States once and for all. Discover how political coups, hostile takeovers, and assassinations have brought Russia to the center of the world's energy market Follow Putin's rise to power and how it has led to an upsetting of the global balance of trade Learn how Russia toppled a generation of robber barons and positioned itself as the most powerful force in the energy market Study Putin's long-range plans and their potential impact on the United States and the U.S. dollar If Putin's plans are successful, not only will Russia be able to starve other countries of power, but the BRIC countries (Brazil, Russia, India, and China) will replace the G7 in wealth and clout. The Colder War takes a hard look at what is to come in a new global energy market that is certain to cause unprecedented impact on the U.S. dollar and the American way of life.

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Автор: Kirby Rosplock

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Автор: Andrew Fisher

Make sense of international personal finance with expat-specific expert advice The Cross-Border Family Wealth Guide is the long-awaited financial handbook for cross border families, with expert insight from a financial advisor who specializes in expat issues. Whether you're an American living abroad, or foreign-born and living in the U.S., this book demystifies the complex issues surrounding the worldwide tax system, international information reporting, sensible investments, international real estate, and retirement planning. When your wealth crosses international borders, managing even the most mundane financial affairs can become wrought with time-consuming complexity; moving money, opening accounts, dealing with currency risks and translation, and setting up investments suddenly involves a whole new set of rules and regulations. Your 401(k), IRA, or annuity must be handled properly to retain certain tax benefits, and retirement planning takes on a brand new dimension of difficulty. This book shows you how to navigate the maze to make sure your money keeps working for you. Real world examples illustrate solutions to common problems, and real, actionable advice gives you a solid plan for your next steps. While personal finance management is rarely simple, the recent crackdown on tax havens and increased tax collection vigilance has made things even more difficult for cross border families. This book answers your questions, and shines a light on the way forward to long-term financial security for international families. Navigate the complexities of international taxation Get specific guidance on retirement planning Make sense of how real estate fits into your financial picture Invest appropriately to maximize growth for the future Manage your assets and tax benefits across borders With the right know-how, cross border professionals can make sensible investment and financial planning decisions, but credible guidance is rare and difficult to find. Simple and practical, with targeted advice, The Cross-Border Family Wealth Guide is the international family's solution for avoiding financial confusion.

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Автор: Clive Maxfield

The Basics of Computer Arithmetic Made Enjoyable and Accessible-with a Special Program Included for Hands-on Learning «The combination of this book and its associated virtual computer is fantastic! Experience over the last fifty years has shown me that there's only one way to truly understand how computers work; and that is to learn one computer and its instruction set-no matter how simple or primitive-from the ground up. Once you fully comprehend how that simple computer functions, you can easily extrapolate to more complex machines.» -Fred Hudson, retired engineer/scientist «This book-along with the virtual DIY Calculator-is an incredibly useful teaching and learning tool. The interesting trivia nuggets keep you turning the pages to see what's next. Students will have so much fun reading the text and performing the labs that they won't even realize they are learning.» -Michael Haghighi, Chairperson of the Business and Computer Information Systems Division, Calhoun Community College, Alabama «At last, a book that presents an innovative approach to the teaching of computer architecture. Written with authority and verve, witty, superbly illustrated, and enhanced with many laboratory exercises, this book is a must for students and teachers alike.» -Dr. Albert Koelmans, Lecturer in Computer Engineering, University of Newcastle upon Tyne, UK, and the 2003 recipient of the EASIT-Eng. Gold Award for Innovative Teaching in Computer Engineering Packed with nuggets of information and tidbits of trivia, How Computers Do Math provides an incredibly fun and interesting introduction to the way in which computers perform their magic in general and math in particular. The accompanying CD-ROM contains a virtual computer/calculator called the DIY Calculator, and the book's step-by-step interactive laboratories guide you in the creation of a simple program to run on your DIY Calculator. How Computers Do Math can be enjoyed by non-technical individuals; students of computer science, electronics engineering, and mathematics; and even practicing engineers. All of the illustrations and interactive laboratories featured in the book are provided on the CD-ROM for use by high school, college, and university educators as lecture notes and handouts. For online resources and more information please visit the author's website at www.DIYCalculator.com.

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Автор: Burton G. Malkiel

Praise for THE ELEMENTS OF INVESTING "A common misperception is that successful investing requires a ton of money, a complicated portfolio, or a detailed understanding of where the markets are headed next. The truth is, sometimes the simplest approach is the toughest to beat. Charley Ellis and Burt Malkiel do a masterful job in The Elements of Investing of laying out clear, simple rules that any investor can follow to grow their wealth over time." —TIM BUCKLEY, Vanguard Chairman & CEO «These noted authors have distilled all you need to know about investing into a very small package. The best time to read this book is when you turn eighteen (or maybe thirteen) and every year thereafter.» —HARRY MARKOWITZ, Nobel Laureate in Economics 1990 «Struggling to find money to save? Befuddled by the bewildering array of investment choices? As you venture into the financial markets for the first time, it's helpful to have a trusted guide—and, in Charley Ellis and Burt Malkiel, you have two of the finest.» —JONATHAN CLEMENTS, author of The Little Book of Main Street Money «No one knows more about investing than Charley Ellis and Burt Malkiel, and no one has written a better investment guide. These are the best basic rules of investing by two of the world's greatest financial thinkers.» —CONSUELO MACK, Anchor and Managing Editor, Consuelo Mack WealthTrack

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