Personal finance Books

Book SynopsisPraise for LOADED LOADED is that rare resource which somehow captures both theoretical and practical wisdom about money, personality, and life. Your views and actions with money will be much improved after reading the wonderful advice in LOADED.James Grubman, PhD, author of Strangers in Paradise: How Families Adapt to Wealth Across Generations and co-author of Cross Cultures: How Global Families Negotiate Change Across Generations YOUR MOST VALUABLE ASSET...IS YOU. LOADED WILL TEACH YOU HOW TO MAKE THE MOST OF IT. Based on decades of research and years of hands-on experience with people from all walks of life, LOADED is a must-read for anyone who finds themselves caught between the desire to thrive financially and the complex emotions and conflicting priorities that money so often brings to our lives. Inside, you will learn to: Check your stories. Pinpoint and changTrade ReviewWhat Others Are Saying: "LOADED: Money, Psychology, and How to Get Ahead without Leaving Your Values Behind is that rare resource which somehow captures both theoretical and practical wisdom about money, personality, and life. Sarah Newcomb has done a phenomenal job of distilling the latest concepts from behavioral finance and psychology for the benefit of the everyday reader who simply wants to know how to handle money better. She opens with a big-picture perspective on how we form our money personalities and behaviors, using relevant personal anecdotes and case examples. By book’s end, she leads us to taking charge of our money decisions to create budgets that really work. Writing in a highly readable style, her tone is upbeat and empowering. Your views – and actions – with money will be much improved after reading the wonderful advice in LOADED."- James Grubman, PhD. Author of Strangers in Paradise: How Families Adapt to Wealth Across Generations and co-author of Cross Cultures: How Global Families Negotiate Change Across Generations Table of ContentsAcknowledgments xi Introduction 1 Chapter 1: When It Comes to Money, We’ve All Got Issues 7 Note 9 Chapter 2: Money Messages 11 We Don’t Talk about Money 11 We Talk about Money Constantly 13 From Freud to Frodo: The Stories We Tell Each Other 15 The Stories We Tell Ourselves 19 Stories Can Help or Hurt 24 Heuristics and Biases Shape Our Stories 26 Identifying Core Beliefs 27 Challenging Core Beliefs 28 Using Science to Our Advantage 32 Notes 32 Chapter 3: Poverty, Privilege, and Prejudice: A Crash Course in the Science of Money Psychology 33 Money and Social Psychology: How Poverty, Privilege, and Comparisons Affect Our Minds and Behavior 35 Poverty: Why Not Having Enough Is a Major Drag 35 Privilege: Why Having an Advantage Is Great . . . and Not So Great 46 Prejudice—We’ve All Got It 54 Movin’ on Up 59 Money and Cognitive Psychology: How Specific Thinking Patterns Affect Financial Decisions 63 Why Retail Therapy Feels Good: Identity and Ego Depletion 64 Time and Money: Why We Always Want It NOW 70 Thinking in Circles 81 Finances and Emotions 83 Financial Knowledge 87 Making Change 90 Notes 94 Chapter 4: The LOADED Budget: Creating a Human-Centered Money Management Plan 99 What’s Wrong with Your Budget? 100 Where Does Your Money Come from? 102 Assets and Resources 108 Where Does Your Money Go? 114 Rules of Thumb for Creative Resource Management 140 The Asset Test 141 Putting It in All Together: Your Personal Economy 149 Enjoying a Loaded Life: Living in Harmony with Your Money and Your Values 161 Notes 164 Appendix A: Self-assessments 167 Write Your Personal Financial Narrative 168 Define Your Core Beliefs 169 Financial Management Behavior Scale 170 Emotions and Money (from HelloWallet’s 2014 Pilot Study) 171 Mental Imagery 172 Behavior Identification Form 173 How Impulsive Are You? 174 Big Five Financial Literacy Questions 175 Appendix B: Interventions and Exercises 177 Change the Narrative 178 Challenging Core Beliefs: Find a Counterexample 179 Age Progression 180 Future Visualization Exercises 181 Exercises to Combat MoneyThink 182 Affirm Core Values 183 Cash Flow Worksheet 184 Resources Worksheet 185 Expenses and Needs Worksheet 186 Your Personal Economy 187 Just-In-Time Financial Education Resources 188 About the Author 189 Index 191

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Book SynopsisQuickly make sense of mortgages Taking out a mortgage to purchase real estate is a huge decision, one that could affect your family's finances for years to come. This easy-to-follow guide explains how to secure the best and lowest-cost mortgage for your unique situation. Whether you select a 15- or 30-year mortgage, you'll get all the tips and tricks you need to pay it off fastershortening your payment schedule and saving your hard-earned cash. Fine-tune your financesQualify for a mortgageSecure the best loanFind your best lenderRefinance your mortgagePay down your loan quickerMust-knows about foreclosureTop mortgage no-nosTable of ContentsIntroduction 1 How This Book is Different 1 Foolish Assumptions 2 Icons Used in This Book 3 Beyond the Book 3 Where to Go from Here 3 Part 1: Getting Started with Mortgages 5 Chapter 1: Determining Your Borrowing Power 7 Only You Can Determine the Mortgage Debt You Can Afford 8 Acknowledge your need to save 8 Collect your spending data 9 Determine Your Potential Homeownership Expenses 10 Making your mortgage payments 10 Paying property taxes 12 Tracking your tax write-offs 13 Investing in insurance 14 Budgeting for closing costs 14 Managing maintenance costs 17 Financing home improvements and such 17 Consider the Impact of a New House on Your Financial Future 17 Acting upon your spending analysis 21 Establishing financial goals 22 Making down-payment decisions 23 Chapter 2: Qualifying for a Mortgage 25 Getting Preapproved for a Loan 25 The worst-case scenario 26 Loan prequalification usually isn’t good enough 26 Loan preapproval is the way to go 27 Evaluating Your Creditworthiness: The Underwriting Process 28 Traditional underwriting guidelines 29 New underwriting technology 32 Eyeing Predicament-Solving Strategies 34 Insufficient cash for a down payment 34 Excessive indebtedness 38 Insufficient income 39 Credit blemishes 40 Low appraisals 41 Problem properties 45 Chapter 3: Scoping Out Your Credit Score 47 Defining Credit Scores 48 Assessing Your Credit History 48 What goes into your credit report 49 Check your credit report 50 Understanding How Scores Work 51 FICO scores can differ between bureaus 51 What a FICO score considers 52 What FICO scores ignore 60 Interpreting scores 61 Getting your score 61 Managing your score 62 Part 2: Locating a Loan 63 Chapter 4: Fathoming the Fundamentals 65 Grasping Loan Basics: Principal, Interest, Term, and Amortization 66 Deciphering Mortgage Lingo 67 So what’s a mortgage? 67 How to scrutinize security instruments 68 Eyeing Classic Mortgage Jargon Duets 70 Fixed or adjustable loans 70 Government or conventional loans 71 Primary or secondary mortgage market 72 Conforming or jumbo loans 74 Long-term or short-term mortgages 75 Introducing the Punitive Ps 76 Prepayment penalties 76 Private mortgage insurance (PMI) 78 Chapter 5: Selecting the Best Home Purchase Loan 81 Three Questions to Help You Pick the Right Mortgage 82 How long do you plan to keep your mortgage? 82 How much financial risk can you accept? 83 How much money do you need? 84 Fixed-Rate Mortgages: No Surprises 85 Adjustable-Rate Mortgages (ARMs) 87 How an ARM’s interest rate is determined 88 How often does the interest rate adjust? 92 What are the limits on rate adjustments? 92 Does the loan have negative amortization? 93 Fine-Tuning Your Thought Process 96 Finding funds 96 Making the 30-year versus 15-year mortgage decision 97 Getting a Loan When Rates Are High 98 Chapter 6: Surveying Special Situation Loans 99 Understanding Home Equity Loans 100 Using home equity loans 100 Operating instructions 101 Considering tax consequences 103 Eyeing 100 Percent Home Equity Loans 104 Taking a Closer Look at Co-Op Loans 107 Identifying the legal structure of co-op loans 107 Dealing with deal-killing directors 108 Tracking down a loan 109 Grasping Balloon Loans 110 80-10-10 financing 110 Bridge loans 114 Construction loans 115 Renovation/remodel loans 116 Part 3: Landing a Lender 117 Chapter 7: Finding Your Best Lender 119 Going with a Mortgage Broker or Direct Lender? 120 Considerations when using brokers 120 Developing a list of brokers and lenders 122 Interviewing and working with mortgage brokers 124 Figuring out how to interview lenders 125 Seller Financing: The Trials and Tribulations 127 Considering/soliciting seller financing 127 Overcoming borrower problems 128 Negotiating loan terms 128 Deciding whether to provide seller financing 129 Chapter 8: Searching for Mortgage Information Online 131 Obeying Our Safe Surfing Tips 132 Shop to find out about rates and programs 132 Quality control is often insufficient 133 Beware simplistic affordability calculators 133 Don’t reveal confidential information unless 133 Be sure to shop offline 134 Beware of paid advertising masquerading as directories 135 Perusing Our Recommended Mortgage Websites 136 Useful government sites 136 Mortgage information and shopping sites 138 Chapter 9: Choosing Your Preferred Mortgage 141 Taking a Look at Loan Fees 142 The point and interest rate tradeoff 142 Annual percentage rates 144 Other lender fees 145 Avoiding Dangerous Loan Features 147 Prepayment penalties 147 Negative amortization 148 Comparing Lenders’ Programs 149 Fixed-rate mortgages interview worksheet 149 Adjustable-rate mortgages interview worksheet 153 Applying with One or More Lenders 158 Chapter 10: Managing Mortgage Paperwork 159 Pounding the Paperwork 159 Filling Out the Uniform Residential Loan Application 162 1 Borrower information 162 2 Financial information — assets and liabilities 166 3 Financial information — real estate 167 4 Loan and property information 168 5 Declarations 170 6 Acknowledgments and agreements 170 7 Demographic information 172 Introducing Other Typical Documents 173 Your right to receive a copy of the appraisal 173 Equal Credit Opportunity Act 175 Part 4: Profiting from Smart Mortgage Strategies 177 Chapter 11: Refinancing Your Mortgage 179 Refinancing Rationales 180 Cost-Cutting Refinances 181 Applying the 2 percent rule 182 Crunching the numbers 183 Restructuring Refinances 186 Restructuring when you need to 186 Getting a fixed-rate to avoid ARM phobia 188 Resetting ARM caps 188 Choosing the fast-forward mortgage 190 Cash-Out Refinances 190 Expediting Your Refi 192 Beating Borrower’s Remorse 194 Phase I borrower’s remorse 194 Phase II borrower’s remorse 195 Chapter 12: Paying Down Your Mortgage Quicker 197 One Size Doesn’t Fit All 198 Interest savings: The benefit of paying off your mortgage quicker 198 Quantifying the missed opportunity to invest those extra payments 198 Taxes matter but less than you think 199 Deciding Whether to Repay Your Mortgage Faster 200 Does your mortgage have a prepayment penalty? 201 How liquid are your assets? 201 Have you funded retirement savings accounts? 201 How aggressive an investor are you? 202 What are your refinancing options? 203 Considering psychological and nonfinancial issues 203 Developing Your Payoff Plan 204 Chapter 13: Reverse Mortgages for Retirement Income 205 Grasping the Reverse Mortgage Basics 205 Considering common objections 207 Who can get a reverse mortgage? 208 How much money can you get and when? 209 When do you pay the money back? 210 What do you owe? 211 How is the loan repaid? 212 What’s the out-of-pocket cost of getting a reverse mortgage? 212 What are the other reverse mortgage costs? 213 What’s the total annual rate? 214 How do reverse mortgages affect your government-sponsored benefits? 215 Shopping for a Reverse Mortgage 215 Making major choices 216 Counseling 217 Deciding Whether You Want a Reverse Mortgage 217 Part 5: The Part of Tens 219 Chapter 14: Ten-Plus “Must-Knows” About Foreclosure 221 Deal with Reality 222 Review Your Spending and Debts 223 Beware of Foreclosure Scams 223 Consider Tapping Other Assets 223 Make Use of Objective Counseling 224 Negotiate with Your Lender 224 Understand Short Sales 225 Seek Legal and Tax Advice 225 Understand Bankruptcy 226 Consider the Future Impact to Your Credit Report 226 Understand the Realities of Investing in Foreclosed Property 228 Chapter 15: Ten Mortgage No-Nos 229 Don’t Let Lenders Tell You What You Can Afford 229 Never Confuse Loan Prequalification with Preapproval 230 Avoid Loans with Prepayment Penalties 231 Don’t Reflexively Grab a Fixed-Rate Mortgage 231 Steer Clear of Toxic 100 Percent Home Equity Loans 232 Watch Out for Mortgage Brokers with Hidden Agendas 233 Shun Negative Amortization Mortgages 234 Don’t Let the 2 Percent Rule Bully You When Refinancing 234 Don’t Assume That All Reverse Mortgages Are the Same or Bad 235 Avoid Mortgage Life Insurance 235 Part 6: Appendixes 237 Appendix A: Loan Amortization Table 239 Appendix B: Remaining Balance Tables 245 Appendix C: Glossary 271 Index 281

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Book SynopsisManage your finances and enjoy your retirement Retirement security is one of the most pressing social issues facing the world in the next 30 yearsso if you're approaching your golden years, it's essential to have a secure financial future. Personal Finance in Your 50s All-in-One For Dummies provides targeted financial advice and assists soon-to-be or established boomers with making informed decisions about how best to spend, invest, and protect their wealth while planning for the future. Retirement is an exciting time but it can also be scary if you're not sure that you have your ducks in a row. This hands-on resource arms you with an arsenal of beginner to intermediate personal finance and estate planning techniques for everything from spending, saving, navigating insurance, managing medical costs, household expenses, and even employment. Build a diversified portfolio Create emergency funds Avoid scams and frauds Table of ContentsIntroduction 1 About This Book 1 Foolish Assumptions 2 Icons Used in This Book 2 Beyond the Book 3 Where to Go from Here 3 Book 1: Managing Your Career and Retirement 5 Chapter 1: Finding a New Job after 50 7 Recognizing the Need for and Value of Experienced Workers 7 Tallying the Benefits of Staying in the Workforce 11 Reorienting Yourself to Today’s Job-Search Realities 12 Deciding What (Else) You Want Out of Work 13 Pursuing Your Passion and Finding Purpose 15 Putting Proven Success Strategies into Practice 21 Dealing with Ageism 27 Chapter 2: Dealing with Changes in Employment 31 Filing for Unemployment Benefits 32 Getting Your Financial House in Order 32 Financing Any Additional Education and Training 36 Writing Off Your Job-Hunt Expenses 41 Accounting for Social Security Benefits Reductions When You Work 43 Taking Advantage of Additional Public Benefits 44 Providing Benefits for Yourself 45 Chapter 3: Joining the Ranks of the Self-Employed 49 Working on Contract 50 Launching Your Own Business 55 Becoming a Social Entrepreneur 65 Exploring Franchising Opportunities 69 Chapter 4: Tracking Small Business Revenues and Costs 75 Establishing an Accounting System for Your Business 76 Keeping Good Tax Records for Your Small Business 80 Chapter 5: Estimated Taxes and Self-Employment Taxes 85 Form 1040-ES: Estimated Tax for Individuals 86 Keeping Current on Your Employees’ (and Your Own) Tax Withholding 89 Schedule SE: Self-Employment Tax 90 Form 8889: Health Savings Accounts (HSAs) 93 Chapter 6: Developing a Retirement Plan 97 Deciding When to Retire 98 Knowing How Much You Really Need for Retirement 99 Eyeing the Components of Your Retirement Plan 101 When Setting Up Your Couples Plan 106 Crunching the Numbers 107 Making Plans for Nonfinancial Matters 110 Chapter 7: Grasping Retirement Accounts and Their Rules 113 Eyeing the Characteristics of Retirement Accounts 114 Identifying the Different Types of Retirement Accounts 117 Rolling Over Retirement Balances 120 Choosing Beneficiaries for Your Retirement Accounts 123 Taking Required Minimum Distributions, or RMDs 125 Book 2: Getting Your Affairs in Order 127 Chapter 1: Ensuring That Your Last Wishes Are Honored 129 What Can Happen When You Don’t Plan Your Estate 130 Reaping the Benefits of Planning Your Estate 131 Looking Out for Common Pitfalls 133 Realizing What Happens If You Don’t Have an Estate Plan 138 Creating Your Will or Trust 140 Chapter 2: Planning Your Bequests 145 Calculating Your Assets 145 Determining Your Intended Heirs and Beneficiaries 146 Thinking about Your Family Circumstances 149 Estate Planning for Second Families 149 Estate Planning for Your Business 152 Appointing the People Who Will Carry Out Your Estate Plans 156 Finding Professionals to Assist You 159 Chapter 3: Providing for Your Children and Dependents 163 Choosing a Guardian 163 Managing Your Child’s Assets 166 Providing for Your Child’s Needs 167 Chapter 4: Writing and Signing a Will 173 Deciding Whether a Will Serves Your Needs 174 Exploring the Types of Wills 177 Elements of a Will 181 Executing a Valid Will 187 Book 3: Dealing with Insurance 189 Chapter 1: Seven Guiding Principles of Insurance 191 Keep It Simple 191 Don’t Risk More than You Can Afford to Lose 193 Don’t Risk a Lot for a Little 193 Consider the Odds 194 Risk a Little for a Lot 195 Avoid Las Vegas Insurance 196 Buy Insurance Only as a Last Resort 196 Chapter 2: Buying Insurance 199 Understanding What Makes a Balanced Insurance Program 200 Customizing Each Policy to Meet Your Unique Needs 200 Choosing Your Professional Adviser 201 Choosing an Insurance Company 206 Chapter 3: Getting the Most Out of Medicare 207 Starting Medicare: A Broad Overview of Enrollment Deadlines 208 Understanding Part A 210 Exploring Parts B and C 214 Qualifying for Prescription Drug Coverage with Part D 223 Eyeing a Medicare Supplement 230 Resolving Some Sticky Issues 234 Chapter 4: Introducing the Personal Umbrella Policy 237 Discovering the Umbrella Policy’s Major Coverage Advantages 238 Coordinating an Umbrella with Your Other Insurance 240 Determining How Many Millions to Buy 242 Book 4: Handling Budgets and Investments 245 Chapter 1: Protecting Your Employment Income 247 Assessing Your Need for Life Insurance 248 Protecting Your Employment Income: Disability Insurance 254 Investing In and Protecting Your Health 258 Chapter 2: Managing Budgets and Expenses 263 Pointing Out Some Retirement Worries You May Have 264 Spending Your Nest Egg 267 How Spending Really Changes in Retirement 269 Managing Your Expenses 271 Chapter 3: Guiding Investments and Distributions in Retirement 281 Guiding Your Investments through Retirement 282 Looking Closer at Annuities 285 Choosing Your Pension Options 289 Eyeing Withdrawal Strategies for Your Investment Accounts 294 Chapter 4: Making Your Best Choices under Social Security 297 The Lowdown on Social Security 298 Determining When You’re Eligible for Benefits 300 Taking a Closer Look at Spouses’ and Survivor Benefits 304 Identifying When You May Need to Receive Benefits 310 Noting How Working Reduces Benefits 314 Preserving Your Benefits 316 Being Aware of Potential Income Taxes on Your Benefits 319 Changing Your Mind: A Do-Over 324 Looking at What the Future Holds for Social Security 325 Book 5: Planning Your Estate 329 Chapter 1: Yes, You Have an Estate 331 What Is an Estate? 332 Why You Need to Plan Your Estate 339 Why Your Estate-Planning Goals Are Different from Your Neighbors’ 342 The Critical Path Method to Planning Your Estate 344 Getting Help with Your Estate Planning 346 Chapter 2: Bean Counting: Figuring Out What You’re Worth 353 Calculating the Value of Your Real Property 354 Calculating the Value of Everything Else: Your Personal Property 356 Dead Reckoning: Subtracting Your Debts from Your Assets 359 Giving Gifts throughout Your Life to Reduce Your Estate’s Value 360 Calculating Adjustments in Your Estate’s Value Due to Life Changes 360 Chapter 3: Probate and How to Dodge It 363 Probing Probate: What You Should Know 364 Knowing the Good, the Bad, and the Ugly of Probate 369 Streamlining the Probate Process 372 Appointing Your Person in Charge 372 Thinking Things Through When Someone Asks You to Be a Personal Rep 379 Understanding Will Substitutes 380 Sorting through the List of Will Substitutes 382 Identifying Some Less Common but Worthy Will Substitutes 392 Chapter 4: Understanding Trusts 397 Defining Trusts, Avoiding Hype 397 Trust Power — Making Your Beneficiaries Smile 402 Sorting Out Trusts — from Here to Eternity 405 Chapter 5: Minimizing Estate-Related Taxes 411 Figuring Out Where You Are Today 412 Fortune-Telling: Picturing the Future as Best You Can 415 Hmmm . . . Deciding on Strategies and Trade-Offs 421 Putting Together a Comprehensive Estate-Related Tax Plan 425 Book 6: Tapping Into Your Home’s Value 429 Chapter 1: Making Important Housing Decisions 431 Analyzing Moving 431 Tapping Your Home’s Equity: Reverse Mortgages 436 Looking at Tax Issues Regarding Your Housing Decisions 439 Chapter 2: Reverse Mortgages for Retirement Income 441 Grasping the Reverse Mortgage Basics 441 Shopping for a Reverse Mortgage 451 Deciding Whether You Want a Reverse Mortgage 453 Chapter 3: Deciding to Sell 455 Figuring Out if You Really Need to Sell 457 Knowing the Health of Your Housing Market 464 Chapter 4: Exploring the Economics of Selling 469 Estimating Proceeds of Sale 469 Assessing the Financial Feasibility of a Move 475 Chapter 5: Determining Your House’s Value 481 Defining Cost, Price, and Value 482 Determining Fair Market Value (FMV) 484 Using a Comparable Market Analysis 486 Bidding Wars 493 Index 497

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Book SynopsisLong-Term Care: Planning for Finance, Medical, and Living Expenses We're living exciting bonus yearsdecades that our parents and grandparents didn't have. But how to navigate this complex terrain? Questions abound around long-term care planning: Where to live? How to get the best medical care? What to do about advance directives, wills and trusts, and estate planning? And how to pay for it all after you retire? Getting accurate information and answers wasn't easy. Until now. AARP's Navigating Your Later Years For Dummies helps you and your family understand the growing range of opportunities. Even more importantly, it helps you chart the next steps to live the life you choose, as independently as you choose, no matter your specific circumstances and needs. This book: Covers home modifications so that you can stay at home safely for as long as you likeLays out the opportunities and costs associated with independent living, assisted living and other optionsGives you a range of drivinTable of ContentsIntroduction 1 Part 1: Getting Started with Navigating Your Later Years 5 Chapter 1: Looking Ahead: The Big Picture 7 Chapter 2: A Personal Inventory: Past, Present, and Future 21 Chapter 3: Finding Services 31 Chapter 4: Making Decisions: A Family Affair 43 Part 2: Choosing Where to Live 53 Chapter 5: Staying in Your Home 55 Chapter 6: Under One Roof: Generations Living Together 73 Chapter 7: Downsizing for Now and Later 87 Chapter 8: Assisted and Independent Living and Other Group Settings 95 Chapter 9: Beyond Your Home: Living in a Community 113 Chapter 10: Getting Around: Transportation Options 125 Part 3: Legal and Financial Planning 139 Chapter 11: Unraveling the Rules of Medicare and Medicaid 141 Chapter 12: Paying for Care: Long-Term Care Insurance and Other Options 161 Chapter 13: Financial Matters: Money Management, Wills, Trusts, and More 177 Part 4: Managing Your Healthcare 193 Chapter 14: Choosing Good Medical Care 195 Chapter 15: Demystifying Home Care 211 Chapter 16: Understanding the Different Roles of Nursing Homes 227 Chapter 17: Getting the Healthcare You Want (And Avoiding What You Don’t Want) 241 Part 5: Services for Special Groups 253 Chapter 18: LGBT Older Adults 255 Chapter 19: Services for Veterans 269 Chapter 20: Family Caregivers 283 Part 6: The Part of Tens 305 Chapter 21: Ten Myths about Aging and Future Care 307 Chapter 22: Ten Resources with State-by-State Information 317 Part 7: Appendixes 325 Appendix A: Glossary 327 Appendix B: Resources 339 Index 347

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Book SynopsisTake control of your financial future with expert guidance from wealth educators and property millionaires John Lee and Vincent Wong The Wealth Dragon Way is an essential guide to creating passive income, building property-based wealth, and achieving financial freedom. This inspiring and informative resource can help you define your financial goals and identify the steps you need to take to achieve them. Exploring common myths and misinformation surrounding wealthsuch as money is the root of all evilthis book shows how overcoming fear and self-doubt can change the way you think about wealth and your potential for personal growth. Real-world examples illustrate how entrepreneurs can use alternative strategies to acquire properties below market value. Fully updated to reflect the current economic environment, this second edition includes the Top Ten Habits of Successful Wealth Dragons as well as new chapters on the foundations of true wealth and how to adopt abunTable of ContentsPreface ix Preface to the First Edition xi Acknowledgments xiii About the Authors xv Introduction: The Story of The Wealth Dragons 1 PART I The Why Chapter 1 What Is Wealth? 29 Chapter 2 The Moral Obligation to be Wealthy 33 Chapter 3 Why a Wealth Dragon? 37 Chapter 4 Undesirable Truths 43 Chapter 5 Welcome to the Parallel Universe 49 PART II The When Chapter 6 Get Rich Quick or Get Rich Forever? 69 Chapter 7 Who Is Stopping You? 73 Chapter 8 What Is Stopping You? 79 Chapter 9 The Trap of the Rat Race 85 Chapter 10 It’s About Work, Stupid! 93 PART III The How Chapter 11 The More Money Mindset 101 Chapter 12 Your Relationship With Money 115 Chapter 13 The Wealth Model 123 Chapter 14 A Foolproof Guide to Property Investing? 133 Chapter 15 Property Investment in Practice 159 Chapter 16 Being a Wealth Dragon 175 Conclusion: The Now 185 Final Word 193 Index 195

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Book SynopsisEducate yourself about finance and socially conscious investing with a woman-centered approach Activate Your Money provides the foundational support women need to talk to each other about their money, invest to grow their wealth, and to take the actions required to shift their assets into alignment with their values. Written for smart, savvy women who want to feel financially empowered, Activate Your Money starts where other personal finance books leave off. It delivers the depth of information you need to make informed investment decisions across your entire portfolio. Starting with checking and savings accounts and proceeding asset class by asset class, this book provides you with core investment knowledge, as well as concrete examples about how and where you can invest your money in alignment with your values. You don''t have to do it alone. As women, our strength is in relationships, and this book will help you use that strength to attain betteTable of ContentsPreface: Welcome to a Brave New World xiii Part 1 Establishing Your Foundation 1 Chapter 1 Values-Aligned Investing: Step into Your Financial Power 3 Chapter 2 Your Relationship with Money: Invest with Your Heart and Mind 15 Chapter 3 Your Financial Foundation: Master Some Core Principles 31 Part 2 Crafting an Aligned Portfolio 53 Chapter 4 Cash: Activate Your Savings and Checking Accounts 55 Chapter 5 Cash Alternatives: Yield Higher Returns for Idle Cash 77 Chapter 6 Fixed Income: Grasp the Potential of Bonds 87 Chapter 7 Public Equities: Invest in the Stock Market with Confidence 113 Chapter 8 Public Equities: Select Values-Aligned Investments 133 Chapter 9 Private Investments: Explore Private Debt, Private Equity, and Angel Investing 153 Chapter 10 Alternative Investments: Achieve Deeper Diversification and Impact 177 Chapter 11 Maximize Your Philanthropy: Finish with Grants and Concessionary Investing 199 Part 3 Building a Community of Support 221 Chapter 12 Professional Support: Find Values-Aligned Financial Advisors 223 Chapter 13 Retirement Accounts: Build Values into IRAs and Employer Plans 243 Chapter 14 Gather Your Friends: Get Together for Fun and Profit 261 Conclusion Stepping into Your Financial Future 273 Glossary275 Acknowledgments 285 About the Author 289 Index 291

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Book SynopsisDiscover how financial freedom and not fairy tales is at the heart of your very own Happy Ever After Did you know you can become a millionaire by saving just $7 a day and investing for 7% returns? Probably not, because financial literacy is a subject that's overlooked by the vast majority of schools and universities, despite its importance to every single person on the planet. Written initially for a teenage daughter and then turned into a course to train migrant workers, Happy Ever After: Financial Freedom Isn't a Fairy Tale focuses on the fundamentals of understanding money, saving and investing, showing how the magic of compound investing can transform tiny initial amounts into genuine wealth. Finally, it shows readers how to achieve the Freedom Formula of 25x your annual spending that can set you free. Perfect for anyone who hopes to make their future financially brighter than their present, or help their own children avoid mistakes they made, Happy Ever After has a playful tone, featuring a spoiled princess and talking frog, hand-illustrated to help explain some of the trickier ideas that can help change your life.Table of ContentsAcknowledgements xi Preface: Once Upon A Time . . . xiii Introduction: Are You Happy Now? xix Stop Believing In Fairy Tales xxi This Isn’t A Fairy Tale, Princess! xxvi The Chapter 1 Cheat Sheet 1 Chapter 1 The M.I.S.S.I.O.N. 3 The M.I.S.S.I.O.N. Stages 5 The ”Freedom Formula" 7 Part 1: The Freedom Formula is 25X 7 Part 2: The “X Factor” 8 Why The Freedom Formula Is So Important 9 “Out Of The Woods” 11 The Emperor’s New Money 18 The Chapter 2 Cheat Sheet 21 Money 21 Chapter 2 M for Money 22 What is money? 23 Time (and Energy) = Money 29 Working people have money but no time 30 Old people, of course, have no energy 31 The Energy Equation Following The M.I.S.S.I.O.N. 32 Your First Step Out Of The Woods 32 Are You Ready To Be Happy Ever After? 33 The Cinderella Side-Gig 38 The Chapter 3 Cheat Sheet 41 How We Learn To Make More Money 41 Chapter 3 I For Income 42 How To Make Active Income 42 Dream job? Dream on! 42 The Bad Things About Bad Jobs 46 The Side-Gig Side Bar 50 Jill Saves On The Side 54 A Second Step Out Of The Woods 56 Are You Ready To Make More Money? 57 Free Income Stuff – Side-Hustle School 60 The Age Of Dragons And Saving 62 The Chapter 4 Cheat Sheet – Saving 65 How We Save More Money 65 Chapter 4 S For Saving 67 Why do we save? 67 Become A Master Of Disaster 68 Saving For Investments 69 Saving For Freedom 73 How do we save? 75 1. The envelope method 77 2. The direct debit method 78 3. Bonuses and businesses 80 A Little Help … 83 How much should we save? 85 Trick Yourself Into Saving More 88 What are you saving for? 91 Do You Know How Saving Makes You Happy Ever After? 95 Back In The Real World …Save-tember! 97 The Wicked Witch Of The Worldwide Web 100 The Chapter 5 Cheat Sheet 103 How We Spend Less Money 103 Chapter 5 S For Spending 105 “50 – 30 – 20”: or should that be “20 – 50 – 30”? 106 The (Basic) Cost of Living 107 30% Fun? 115 Free (Cool) Movements That Discourage Spending 122 Should I Be Worried About My Spending? 125 The First Seven Cuts 127 Are You Ready To Be Happy Ever After? 132 Jack And The Giant Bean Stock 136 The Chapter 6 Cheat Sheet 139 How We Make Money Work For Us 139 Chapter 6 I For Investing 141 The Long-Term Magic of Compounding 145 R for Risk 148 R for Return 154 Risk = Return? 155 “Integrate” Your Investing With Your Life 156 S Is For Spread 166 K is for Knowledge 170 Back In The Real World: Avoiding Scams 179 Are You Ready For Happy Ever After? 183 A Tax Break 185 How To Own One Cool Cat 188 The Chapter 7 Cheat Sheet 191 How We Own This! 191 Chapter 7 Three Os For Ownership 193 Own The Process 193 What Do You Really Own? 195 The Freedom Formula 208 Back In The Real World: Climbing A Pension Mountain In Your 100-Year Life! 223 What Woods? 224 Are You Ready To Own Being Happy Ever After? 225 “Happy Ever After" 230 The Chapter 8 Cheat Sheet 233 How We Know When To Start Being Happy Ever After 233 Chapter 8 N For Now 234 Here Be Dragons – Yes, Right Here, Right Now 235 No More Delays 238 No More Excuses 240 The End – Or The Beginning? 251 Can You Be Happy Ever After Now? 252 The M.I.S.S.I.O.N. Cheat Sheet (Again) 255 Index 257

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Book SynopsisTable of ContentsIntroduction 1 About This Book 1 Foolish Assumptions 2 Icons Used in This Book 3 Beyond the Book 3 Where to Go from Here 4 Part 1: Some Cord-Cutting Basics 5 Chapter 1: Why Cut the Cord? 7 What’s So Bad about Cable? (Let Me Count the Ways) 8 Cable TV is expensive 8 You still get bombarded by commercials 9 You probably watch only a teensy fraction of what you pay for 9 Bundles are (usually) bad 9 Long-term (read: loyal) customers pay more, not less 10 You’re getting nickeled-and-dimed 10 You’re dealing with a near-monopoly 11 Customer service is pretty much non-existent 12 Technical support is a pain in the you-know-what 12 Those darned contracts! 13 Some Reasons Why Cutting the Cord Might Not Be for You 13 Your savings might be less than you hoped 13 You might still have to deal with channel bundles 14 You might still see commercials 14 TV watching will become more complex for you 15 You’ll use way more Internet bandwidth — and perhaps pay for the privilege 15 Your monthly Internet bill will probably go up 16 The quality of the streaming video might be poor 16 You might have to wait a long time to watch new shows 16 You might never see some new shows 17 The Benefits of Severing Your Connection to the Cable Company 17 You save money 18 You’ll probably be happier in the long run 18 You unshackle your TV 18 You unshackle yourself 19 You’re in control 19 Surveying the Cord-Free Landscape 20 Chapter 2: Snip, Snip Your 7-Step Plan to Going Cord-Free 23 Step 1: Deciding What You Want to Watch 24 Option A: Going with just your “must see” TV shows 24 Option B: Going with just a few streaming services 25 Option C: Going with OTA live TV 26 Step 2: Figuring Out the Equipment You Need 26 Step 3: Making a Streaming Services Budget 27 Step 4: Trying Out Lots of Streaming Services — for Free! 29 Step 5: Subscribing to Streaming Services 30 Step 6: Doing a Cord-Cutting Test Drive 31 Step 7: Cutting the Cord — Woo-Hoo! 32 Check your contract 33 Check your bandwidth history 33 Gather everything you need 33 Get ready mentally 34 Know the process 34 Return all equipment 36 Part 2: Cord Cutting Made Easy with Over-the-Air TV 37 Chapter 3: Understanding Over-the-Air TV 39 OTA? OTT? Live TV? What on Earth Is Everyone Talking About? 40 What is over-the-air TV? 41 The pros and cons of over-the-air TV 42 How Over-the-Air TV Works 45 The television station 45 The transmission tower 46 The antenna and tuner 46 What Channels Can You Access? 48 Understanding the factors that affect signal strength 49 Checking the FCC’s digital TV reception maps 50 Using TV Fool’s TV signal locator 52 Real versus virtual channels 54 Chapter 4: Choosing and Setting Up OTA Hardware 57 What Equipment Do You Need? 58 Choosing an OTA Digital Antenna 62 Antenna styles 62 Determine the range 63 Indoor or outdoor? 63 Amplified or not? 64 Unidirectional or multidirectional? 66 Look for VHF/UHF support 67 Watch out for bogus or exaggerated claims 68 Installing Your Antenna 70 Installing an indoor antenna 70 Installing an outdoor antenna 71 Connecting Your Antenna 73 Making coaxial connections 73 Connecting an antenna to one TV 74 Connecting an antenna to multiple TVs 75 Connecting an antenna to your computer 77 Connecting an antenna to your mobile device 78 Connecting an antenna to your Wi-Fi network 78 Improving antenna reception 79 Scanning for OTA Channels 80 Chapter 5: Watching Over-the-Air and Live TV 83 Watching Over-the-Air TV Using a Regular TV 84 Changing the TV input source 84 Watching over-the-air TV 86 Where’s the TV guide? 87 Recording over-the-air TV 87 Watching Over-the-Air TV Using a Smart TV 91 Watching Over-the-Air TV Using a Streaming Device 93 Look, Ma, No Antenna! Streaming Live TV 93 Part 3: Cable-Free Viewing with Streaming Services 97 Chapter 6: The Hardware You Need for Streaming 99 Let’s Talk TVs 100 Screen size 100 Resolution 101 HDMI ports 102 Streamers: Set-Top Box or Dongle? 103 Set-top box streamers 104 Dongle streamers 105 Set-top box streamer versus dongle streamer 105 What to Look for in a Streaming Media Player 106 Smart TVs for Streaming Media 109 Setting Up Your Hardware 111 Connecting a set-top player 111 Connecting a streaming stick 113 Configuring your streaming player 115 Chapter 7: Getting Your Internet Access Ready for Streaming 117 Investing in a New Router 118 Extending Your Wi-Fi Network 121 How Much Bandwidth Is Enough? 122 Taking a look at streaming media bandwidth usage 123 Going on a bandwidth diet 124 Understanding How Streaming Works 126 The streaming process 126 More about buffering 127 I Feel the Need — the Need for Speed! 129 Why does speed matter? 129 How fast is fast enough? 130 Testing your Internet speed 131 Chapter 8: Checking Out Free Streaming Services 135 Is There Such a Thing as a Free Lunch? 136 What to Expect from Free Streaming Services 137 Some Free Streaming Services to Check Out 138 Crackle 138 Haystack News 139 Hoopla 139 IMDb TV 141 Kanopy 142 PBS Video 142 Peacock 142 Roku Channel Store 143 Tubi TV 144 Xumo 145 Free streaming apps for kids 145 A few more freebies 146 Chapter 9: Checking Out Paid Streaming Services 149 What to Expect from Paid Streaming Services 150 What Types of Paid Streaming Services Are Available? 151 On-Demand Streaming Services .152 Amazon Prime Video 152 Apple TV+ 153 Hulu 155 Netflix 156 Paramount+ 157 Peacock 158 Cable-Replacement Services 160 fuboTV 160 Hulu + Live TV 161 Sling TV 162 YouTube TV 163 Checking Out Premium Channels 164 Part 4: The Part of Tens 167 Chapter 10: Ten Ways to Save Money in a Cord-Free World 169 Get the Smallest OTA Antenna Possible 170 Don’t Get Too Much Internet 171 Take Advantage of Skinny Bundles 172 Don’t Commit Until You’re Amazed at Your Luck 173 Watch New Shows on the Cheap 174 Subscribe Strategically 175 Keep an Eye on Your Subscriptions 176 Get a Credit Card Offering Streaming Cash Back 177 Give Up the Premium Subscription Plan 177 Save on Sports .178 Chapter 11: Ten Tips for Troubleshooting Streaming Woes 179 Check Your Streaming Device’s Download Speed 180 Restart Your Streaming Device 183 Check Your Streaming Device for Updates 184 Reset Your Streaming Device 185 Check Your Wi-Fi Connection Speed 186 Reset Your Wi-Fi 188 Make Some Wi-Fi Adjustments 188 Troubleshoot an Unresponsive Streaming Device 189 Troubleshoot a Blank TV Screen 190 Upgrade Your Hardware 191 Glossary 193 Index 203

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Book SynopsisDychtwald and Morison offer a brilliant and convincing perspective: an essential re-think of what ''aging'' and ''retirement'' mean today and an invitation to help mobilize the best in the tidal wave of Boomer Third Agers.Daniel Goleman, PhD, Author, Emotional Intelligence: Why It Can Matter More Than IQ Throughout 99 percent of human history, life expectancy at birth was less than 18 years. Few people had a chance to age. Today, thanks to extraordinary medical, demographic, and economic shifts, most of us expect to live long lives. Consequently, the world is witnessing a powerful new version of retirement, driven by the power and needs of the Baby Boomer generation. Consumers over age 50 account for more than half of all spending and control more than 70% of our total net worth yet are largely ignored by youth-focused marketers. How will work, family, and retirement be transformed to accommodate two billion people over the age of 60 worldwide? In the comTable of ContentsIntroduction 01 Chapter 1 The Age Wave is Rising: How the Boomers are Transforming Retirement 05 Chapter 2 Ageism Sucks: It’s Bad for People and Bad for Business 27 Chapter 3 Reframing Aging: There’s a New Story to Tell 43 Chapter 4 Putting Wisdom to Work: The New Role, Timing, and Purpose of Post-Retirement Employment 61 Chapter 5 The Time Affluence Explosion: Fifty Trillion Hours of Leisure to Fill 85 Chapter 6 Searching for the Fountain of Health: Can We Match Healthspan to Lifespan? 111 Chapter 7 Retirement isn’t a Solo Project: The Entangled Endearments of Family Relationships 143 Chapter 8 Home and Community: Stay, Go, Remodel, or Find Roommates? 171 Chapter 9 Funding Longevity: Retirement is the Biggest Purchase of a Lifetime – That Many Can’t Afford 199 Chapter 10 The Giving Revolution: Living with Purpose and Leaving a Legacy 227 Chapter 11 Retiring Retirement: The Rise of Life’s Third Age 255 Acknowledgments 263 About the Authors 265 Notes 269 Index 283

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Book SynopsisTake control of your money, avoid common financial pitfalls, and prepare for whatever life throws at you In Stop Worrying about Money, Jacqui Clarke, Australia's best-kept money secret, delivers smart and sure-fire guidance that will see you through life's financial ups and downs. You'll learn to clarify your values, set goals, and be upfront and honest about your moneyboth with yourself and with others. Fact: Money comes in and goes out. The cost of living is ever increasing, big changes can come as big surprises and sometimes you're stuck just trying to keep on top of everything. It's time to hit pause on the distractions and get wise with your finances. With Stop Worrying about Money, you'll re-assess what financial independence and freedom mean to you. This is the guide that will help you build a less stressful, more empowering relationship with money, starting today. You'll discover how to: Build financial security for yourself and

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Book SynopsisSimple and accessible strategies to build personal wealth and improve your life In Close Your Wealth Gap: Financial Lessons to Upgrade Your Life, veteran wealth manager Rob Luna delivers a collection of actionable lessons you can implement immediately to ensure you make the most of the money you make and retire comfortably. You'll learn everything you need to know about generating personal wealth, from how to understand balance sheets and cash flow statements to constructing a personal portfolio that effectively balances risk and potential reward. The author explains the basics of maximizing your income with side hustles and passive income while, at the same time, increasing the impact of every dollar you earn. You'll also find: Action plans for every stage of your life, including ways to prepare your children for a lifetime of financial independence and security Explanations of the difference between qualified and non-qualified accounts Table of ContentsAcknowledgments ix Introduction xi Part I: All About the Wealth Gap and Your Relationship to Money 1 Chapter 1: The Wealth Gap 3 Chapter 2: What Is Your Relationship with Money? 13 Part II: Financial Boot Camp 19 Chapter 3: Starting Today 21 Chapter 4: Managing Your Financial Life in a Dashboard 29 Chapter 5: Improving Your Financial Dashboard 41 Chapter 6: Building Your Financial Roadmap 63 Part III: How to Match Your Investments To Your Needs 73 Chapter 7: Managing Your Financial Buckets 75 Chapter 8: Minimizing Taxes 105 Chapter 9: Buying or Avoiding Life Insurance and Annuities 121 Chapter 10: Developing a Wealth- Maximizing Mindset 133 Part IV: a Financial Case Study 149 Chapter 11: Building Your Own Action Plan 151 Chapter 12: Start Young: What to Do Ages 0–18 159 Chapter 13: Welcome to Adulthood: What to Do Ages 18–24 163 Chapter 14: The Ramp- Up Years: What to Do Ages 24–30 169 Chapter 15: Learn and Earn: What to Do Ages 30–40 177 Chapter 16: Full Speed Ahead: What to Do Ages 40–50 189 Chapter 17: Catch Up and Assess: What to Do Ages 50–60 203 Chapter 18: The Work- Optional Years: What to Do Ages 60+ 217 Chapter 19: Case Study Executive Summary 227 Epilogue 235 Appendix A: Resources 239 Appendix B: Glossary of Financial Terms 245 About the Author 251 Index 253

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Book SynopsisDiscover the power of simplicity in the quest for financial empowerment In Simple Secrets to Becoming a Saving Whiz: Stop Feeling Overwhelmed, Take Control of Your Money, and Create the Lifestyle You Want, veteran financial educator Gina Zakaria delivers a compelling discussion of leveraging simplicity to approach personal finance. You'll learn to create momentum and foster financial empowerment as you reach successive, intentional milestones that build your sense of progress and accomplishment. The author shares her own personal debt story and how she accumulated over $105,000 in credit card debt through tiny, seemingly insignificant, actions. She also demonstrates how equally small stepswhen taken intentionallycan help you climb your way out of debt and into a place of financial security. You'll also find: Strategies for breaking down your goals into subgoals that can be easily accomplished Grocery budgeting tips, along with simpleTable of ContentsAcknowledgments ix Introduction 1 Part I: Unlearn 3 Chapter 1: Big Goals Don’t Budge 5 Chapter 2: The Magic Power of Small Steps 15 Chapter 3: A Spoonful of Consistency and a Dash of Patience 25 Part II: Assess and Address 37 Chapter 4: You’ve Done This Before, Now Do It with Intention 39 Chapter 5: Your Steps Matter 51 Chapter 6: The Simple Reboot 63 Chapter 7: No Such Thing as Too Basic 77 Part III: Grocery Savings 87 Chapter 8: From Spendthrift to Savvy Shopper 89 Chapter 9: Get More and Pay Less 99 Chapter 10: Creating a Savings Ecosystem 115 Part IV: Bill Savings 127 Chapter 11: Bill Breakdown: Getting to Know Your Bills 129 Chapter 12: The Benefits of a Bill Routine 141 Chapter 13: Saving Money on Your Debt Payments 153 Part V: Budget Better 165 Chapter 14: Where to Aim Your Focus 167 Chapter 15: Budgeting Like You Mean It 181 Chapter 16: Let Simplicity Do the Heavy Lifting for You 191 About the Author 203 Index 205

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Book SynopsisIn Bounce Back, veteran financial coach and bestselling author Lynnette Khalfani-Cox explains how she slayed six figures of consumer debt in a mere three years and went on to build a seven-figure personal net worth. The author shows you how to take onand defeatthe most common and difficult challenges facing Americans today, from debt, disability, and job downsizing to disasters, discrimination, divorce, and more. She draws on her own extensive experience helping people with their most intractable financial problems, the wisdom of other money coaches, financial therapists, certified financial planners, and psychologists as well as the inspiring stories of everyday people who have bounced back from adversity. Emphasizing the critical importance of emotional, financial, social, and physical resilience, Bounce Back demonstrates 10 practical and hands-on techniques you can implement immediately to build your resilience and recover fiscally and emotionally from the most Table of ContentsAcknowledgments xxi About the Author xxiii Foreword xxv Introduction xxvii Chapter 1: Resilience and Grit in the Face of Adversity, Transition, and Change 1 The Drive: A Famous Sports Comeback 2 Understanding the Value of Transition and Change 3 The Upside of Your Transition and Stress 5 Defining and Developing Resilience 7 Financial Resilience 9 Structural Inequality and Systems 10 Many Forms of Resilience 13 Building Emotional Resilience 13 Write a Letter to Yourself from the Perspective of a Compassionate Friend 13 Find a Quiet, Comfortable Place to Write 13 Begin with a Friendly Salutation 14 Acknowledge Your Feelings and Struggles 14 Express Understanding and Empathy 14 Offer Support and Encouragement 14 Share Practical Advice or Coping Strategies 14 Close the Letter with Kindness and Affirmation 14 Fostering Social Resilience 15 Enhancing Physical Resilience 15 Recognizing and Embracing Your Strengths 16 Resources for Resilience and Grit 18 Chapter 2: Building Your Resilience 19 Strategy 1: Practicing Mindfulness 19 Strategy 2: Cultivating Gratitude 20 Strategy 3: Journaling 21 Strategy 4: Being Patient with Yourself 22 Strategy 5: Practicing Self-compassion 22 Strategy 6: Seeking Professional Help 24 Identify the Right Professional for Your Needs 24 Consider Different Therapy Styles and Techniques 24 Leverage Online Resources and Support Groups 24 Keep an Open Mind and Be Patient 25 Strategy 7: Staying Connected 25 Reach Out to Friends and Family 25 Join Support Groups or Clubs 25 Engage in Community Activities 26 Create a Support Network 26 Strategy 8: Focusing on Self-care 26 Maintain a Balanced Diet 26 Stay Hydrated 26 Get Regular Checkups 27 Stretch and Move 27 Prioritize Personal Hygiene 27 Limit Screen Time 27 Manage Stress 28 Exercise Regularly 28 Get Plenty of Sleep 28 Listen to Your Body 28 Strategy 9: Establishing a New Money Game Plan 29 Assess Your Current Financial Situation 29 Create a Monthly Budget 29 Set Financial Goals 30 Regularly Check Your Net Worth 30 Seek Professional Guidance 30 Stay Proactive and Adaptable 30 Maintain Open Communication with Loved Ones 31 Strategy 10: Creating a Financial Plan B 31 Identify Potential Risks and Setbacks 31 Evaluate Your Emergency Fund 32 Review Your Insurance Coverage 32 Diversify Your Income Streams 32 Create a Plan for Each Scenario 32 Maintain a Flexible Budget 33 Keep your Skills Up to Date 33 Review and Update Your Plan Regularly 33 Resources for Building Resilience 34 Chapter 3: Downsized from a Job 35 The Handwriting on the Wall 36 Downsizing and Layoffs Are Painful— and Widespread— in America 37 The Rise of AI Will Lead to More Job Loss 37 The Emotional Aspects of Job Loss 39 The Psychological Contract 39 Coping Strategies to Help 41 Being Patient with Yourself 41 Practicing Self-compassion 41 Seeking Professional Help 42 Staying Connected to Others 42 Prioritizing Self-care 42 Three Crucial Financial Steps in the Wake of Job Loss 43 Review and Adjust Your Budget 43 Apply for Unemployment Benefits 43 Build or Maintain an Emergency Fund 43 Interim Economic Moves to Survive a Downsizing 44 Explore Freelance or Gig Work 44 Consider Temporary or Part-time Employment 44 Investigate Government Assistance Programs 44 Consider Refinancing or Consolidating Debt 45 Tap into Savings Cautiously 45 Negotiate with Creditors 45 Seek Professional Financial Guidance 45 Job Hunting the Right Way 46 10 Best Career Reentry Strategies to Find New Employment 47 Reflect, Analyze, and Improve Your Way to a New Job 47 Update Your Résumé and LinkedIn Profile 48 Network the Right Way 49 Enhance Your Skills 49 Practice Your Interview Skills 49 Set Daily Job Search Goals 50 Create a Job Search Plan 50 Use Job Search Engines and Online Resources 50 Attend Job Fairs and Networking Events 50 Leverage Social Media 50 Stay Persistent and Positive 50 Should You Look for Another Job at All? 51 A Pivotal Turning Point 52 Is Entrepreneurship Right for You? 53 Downsized from a Job Resources 55 Chapter 4: Divorce 57 The Financial Cost of My Divorce 59 Women Pay Alimony and Child Support Too 60 Casting Off Your Ex-spouse Financially 61 Step 1. Close Joint Accounts 62 Step 2. Update Beneficiaries and Estate Planning Documents 62 Step 3. Change Your Name If Applicable and If Desired 64 Step 4. Establish a New Budget 66 Step 5: Reevaluate Your Insurance Needs 66 Protecting Your Credit During Divorce 67 Long-term Planning During Divorce 69 Common Financial Mistakes to Avoid During Divorce 70 Not Understanding Your Financial Situation 71 Overlooking Tax Implications 71 Failing to Update Your Estate Plan 71 Keeping the Family Home Without Considering the Costs 71 Not Considering the Long-term Impact of Asset Division 71 Ignoring Insurance Needs 71 Not Securing Spousal and Child Support Payments 72 Failing to Establish Individual Credit 72 Making Emotional Decisions 72 Not Seeking Professional Help 72 Post-divorce Stories of Emotional Recovery 72 My Sister’s Divorce Story 74 Divorce Resources 75 Chapter 5: Death of a Loved One 77 Lives Forever Changed 78 The Road to Recovery 79 Bouncing Back Amid the Pain 80 Coping Strategies to Deal with Grief 81 The Six Transition Truths 82 Transition Truth No. 1 82 Transition Truth No. 2 82 Transition Truths 3–6 83 The Trauma of Losing My Sister 83 Understanding Your Ancillary Losses 84 Emotional Support 85 Financial Stability 85 Roles and Responsibilities 85 Social Connections 85 Shared Dreams and Plans 86 Sense of Self 86 Familiar Routines 86 Taking the First Crucial Five Steps 86 Step 1: Give Yourself Time to Grieve 87 Step 2: Locate and Organize Important Documents 87 Start with the Obvious Places 88 Reach Out to Professionals 88 Request Duplicates If Needed 88 Create a Filing System 88 Keep a Master List 89 Update Your Records Regularly 89 Step 3: Inform Relevant Parties and Institutions 89 Obtain Multiple Copies of the Death Certificate 90 Make a List of Organizations to Contact 90 Prioritize Your Notifications 90 Keep Track of Your Communications 91 Be Prepared to Provide the Necessary Information 91 Seek Professional Assistance If Needed 91 Step 4: Assess Your Financial Situation 91 Make an Inventory of Assets 92 Identify Debts and Ongoing Expenses 92 Determine Sources of Income and Financial Support 92 Consult with Professionals 92 Understand Your Legal Responsibilities 92 Step 5: Create a New Budget and Financial Plan 93 Determine Your New Income and Expenses 94 Create a Detailed Budget 94 Make Necessary Adjustments 94 Build an Emergency Fund 94 Reevaluate Your Financial Goals 95 Seek Professional Guidance 95 Handling Special Circumstances 96 Loss of Household Income 96 Reduction in Social Security Benefits 96 Change in Tax Status 96 Loss of Access to Credit Cards 96 Delayed or Blocked Access to Savings and Investments 97 Inheritance Complications in Second Marriages 97 Finding Missing Money 97 Gather Important Documents 97 Contact Insurance Companies 98 Search for Bank and Investment Accounts 98 Investigate Unclaimed Property 98 Check for Retirement Accounts and Pension Benefits 98 Review Tax Records 98 Consult with Professionals 99 Making It Past the Initial Phase 99 Financial Grief Explained 99 Emotional Responses to Financial Grief 100 Death of a Loved One Resources 101 Chapter 6: Disability 103 Setting the Bar Higher 105 What Are Disabilities and How Prevalent Are They? 106 A Comprehensive View of Managing the Challenges Tied to Disabilities 107 The Basics of Disability Insurance and How It Can Help Financially 109 What Is Disability Insurance? 109 Benefits of Disability Insurance 110 All About Social Security Disability Insurance 111 Eligibility for SSDI 112 A Profile of Who Collects SSDI 112 A Host of Benefits with SSDI 113 Claiming Social Security Disability Income or Workers’ Comp Benefits 114 Getting Workers’ Compensation Benefits 115 What to Do If You Get Sued for Overpayment of Disability Benefits 116 Don’t Ignore the Situation 116 Gather Documentation 116 Contact an Attorney 117 Communicate with the Insurance Company or SSA 117 Consider Possible Defenses 117 Prepare for Court (If Necessary) 118 Six Alternative Income Sources When You Have a Disability and Can’t Work 118 Government Benefits 118 Disability Insurance 119 Personal Savings and Investments 119 Passive Income 120 Support from Family and Friends 120 Reverse Mortgages 120 Safeguarding Your Earnings During a Disability 121 Federal and State Resources That Help the Disabled and Their Caregivers 122 Financial Assistance 122 Health Care Resources 122 Housing Assistance 123 Employment Support 123 Educational Support 124 Transportation and Mobility Resources 124 Support for Caregivers 124 The Mind-Body Connections That Can Help You Overcome a Physical Disability 125 Embrace a Positive Mindset 125 Practice Mindfulness and Meditation 125 Engage in Regular Physical Activity 126 Seek Social Support 126 Utilize Therapy and Counseling 126 Consider Complementary and Alternative Therapies 126 Develop Adaptive Strategies 126 Foster a Sense of Purpose 127 Bouncing Back from Disability 127 Disability Resources 127 Chapter 7: Disease 129 Disease Can Spark a Cascade of Medical Bills 132 How to Handle Lost Income and Employment Challenges 134 Assessing Your Work Abilities and Limitations 135 Exploring Workplace Accommodations and Flexibility 135 Seeking Vocational Rehabilitation and Career Transition Services 135 Exploring Freelance, Part-time, or Remote Work Opportunities 136 The Importance of Building the Right Support System 136 The Role of Family, Friends, and Loved Ones 136 Seeking Emotional Support and Counseling 137 Engaging with Support Groups and Online Communities 137 Identifying and Utilizing Local Resources and Organizations 138 How to Communicate with Health Care Providers 138 Understanding Medical Billing and Basic Insurance Terminology 138 Negotiating Medical Bills and Seeking Financial Assistance 139 Advocating for Yourself and Your Health Care Needs 139 Seeking Alternative Treatment Options and Exploring Cost-saving Strategies 140 How to Deal with Insurance Companies 140 Appealing a Denial from Your Health Insurer 142 What Medical Providers and Health Care Systems Can Do 144 How to Handle Medical Debt 145 The Vicious Cycle of Chronic Illness, Disease, and Medical Debt 146 Strategies for Dealing with Medical Debt 147 Negotiate with the Medical Provider 147 Work with Independent Advocates and Government Agencies 147 Consider Debt Consolidation 147 Apply for a 0% APR Credit Card 147 All About Charity Care Programs 148 Drawbacks to Charity Care Programs 149 Using “No Surprising Billing” Legislation to Your Advantage 150 Steps for Taking Care of Your Emotional Health 152 Embracing Self-care Practices 152 Seeking Emotional Support 153 Exploring Mind-body Techniques 153 Engaging in Peer-to-peer Support 154 How to Develop a Financial Recovery Plan 154 Assessing the Current Financial Situation 154 Setting Realistic Goals and Timelines 155 Creating a Budget and Managing Expenses 155 Exploring Financial Assistance Programs and Grants 156 Disease Resources 156 Chapter 8: Disasters 157 No Aspect of Life Untouched 159 The Long-lasting Impact of Natural Disasters 160 Understanding Billion-dollar Weather and Climate Disasters 161 An Insider’s View of How Disaster Recovery Works 163 All About Free Money from the Red Cross 165 What to Do the First 24 to 72 Hours After a Disaster 166 Ensure Safety 166 Seek Help and Inform Authorities 166 Document Damage 166 Secure Temporary Accommodation 166 Begin Cleaning Up 167 Start Replacing Vital Documents 167 Contact Your Insurance Company 167 Take Care of Yourself and Your Family 167 Returning Home Safely 167 What to Do the First Week to 10 Days After Disaster Strikes 168 Access Local Resources 168 Apply for Aid 169 How to Secure FEMA Aid After a Disaster 170 Step 1: Understand Eligibility 170 Step 2: Prepare Essential Documents 171 Step 3: Apply for Assistance 171 Step 4: Inspection and Follow-up 171 Step 5: Appeal, If Necessary 171 How to Handle Living with Disaster Six Months Later 172 Monitoring Your Mental Health 172 Continuing Insurance Claims 172 Addressing Financial and Housing Issues 173 How to Cope with Long-term Disasters Six Months to Six Years and Beyond 174 Rebuilding and Repairing 174 Seeking Long-term Aid 174 All About the New Federal Effort Designed to Help Disaster Survivors 175 How to Deal with the Two Most Common Insurance Claims Problems 178 Problem #1: Inadequate Documentation 178 Problem #2: Lack of Advocacy 179 How to Address Trauma and Manage Your Emotions 180 Reach Out 180 Prioritize Self-care 181 How to Plan for Future Natural Disasters 182 Understand Your Environment and Risks 182 Be Insured 182 Save on Insurance 182 Understand Your Insurance Policy 184 Prepare a Go Bag 184 Stockpile Emergency Supplies 184 Pad Your Pantry Wisely 185 Develop an Evacuation Plan 185 Secure and Digitize Important Documents 185 Build Your Savings 185 Make Legal Preparations 186 Make a Financial Recovery Kit 186 Explore Earthquake Insurance 186 Fight Off Forest Fires 186 Get Hurricane Ready 186 Defend Against Drought 187 Consider Home Improvements 187 Disaster Resources 188 Chapter 9: Debt 189 How to Recognize Emotional Spending 190 How to Enter the No Shame Zone 191 A Unique Look at Needs Versus Wants 193 An Inspirational Tale of Going from Debt to Wealth 194 What to Do If Your Home Mortgage Has Become Unaffordable 195 Understanding Your Mortgage 196 Loan Modification 196 Refinancing 196 Government Programs 196 Selling Your Home 197 How to Navigate Your Home Options 197 Short Sale or Deed-in-lieu 197 Deed-in-lieu of Foreclosure 197 Communication Is Key 198 How to Deal with Your Emotional Burden 198 Fool-proof, Effective Strategies to Knock Out Credit Card Debt Once and for All 199 Understanding Your Credit Card Debt 199 Pay More Than the Minimum 199 Debt Snowball Versus Debt Avalanche 199 Balance Transfers and Debt Consolidation 200 Use Windfalls Wisely 201 Seeking Professional Help 201 How to Cut Auto Loan Debt Even If You’re Leasing or Are Upside Down on a Car Loan 202 Understanding Your Auto Loan 202 Refinancing Your Auto Loan 202 Selling Your Car or Trading It In 202 Leasing a Car Instead 203 Seeking Professional Help 203 Smart Ways to Eliminate College Debt for Federal Student Loans and Private Loans 204 Understanding Your Student Loans 204 Repayment Plans 204 Federal Loan Forgiveness Programs 204 Refinancing and Consolidation 205 Getting Professional Help 206 How to Get Others, Such as the Government or an Employer, to Repay Your College Debt 206 Employer Student Loan Repayment Assistance Programs 207 Volunteer Work and Other Programs 208 Getting Professional Help 208 Solutions to Get Out of Payday Loan Traps 208 Understanding Payday Loans 209 Alternate Solutions 209 Debt Consolidation Loans 210 Seek Professional Help 210 Easy Fixes for Worrisome IRS Issues and Tax Debt 210 Understanding Your Tax Debt 211 Payment Plans 211 Offer in Compromise 212 Innocent Spouse Relief 212 Getting Professional Help 212 Psychological and Emotional Recovery from Debt 213 Recognize the Emotional Impact of Debt 213 Seek Support 213 Practice Self-care 213 Focus on the Future 213 The Path to a Debt-free Life 214 Remembering Your Why 214 Staying Consistent 214 Celebrating Small Wins 215 Building a New Relationship with Money 215 Debt Resources 215 Chapter 10: Damaged Credit 217 How to Understand What’s on Your Credit Reports 219 Contents of a Credit Report 219 The Importance of Reviewing Your Credit Report Regularly 220 How Your Credit Scores Are Calculated 220 What Causes Bad Credit 221 Late or Missed Payments 222 Collections and Charge-offs 222 Judgments and Bankruptcies 223 High Credit Card Utilization 223 Excessive Credit Inquiries 223 How Piggybacking Off Someone Else’s Credit Can Help Your Credit 224 The Benefits of Using Secured Credit Cards 225 Understanding Secured Credit Cards 225 Responsible Credit Usage and Timely Payments 225 Gradually Increase Credit Limits 226 The Value of Adding Rent and Nontraditional Information to Your Credit Reports 226 Harnessing the Power of Rent and Nontraditional Payments 226 Research Rent Reporting Services 227 Verify Reporting Practice 227 Consistent and Timely Payments 227 Keep Documentation 227 How to Negotiate with Creditors 228 Understanding the Importance of Negotiation 228 Assess Your Financial Situation 228 Contact Your Creditors 229 Propose a Workable Solution 229 Be Professional and Persistent 229 How to Achieve Perfect Credit 229 What Exactly Is Perfect Credit? 230 The Seven-step Formula to Perfect Credit 230 Step 1: Pull Your Credit Reports and Credit Scores 231 Step 2: Examine Your Files and Enroll in Credit Monitoring 231 Step 3: Reduce Debt and Manage Bills Wisely 232 Step 4: Fix Errors and Protect Your Credit 233 Step 5: Enhance Your Credit Files Constantly 234 Step 6: Contact Creditors and Negotiate 235 Initiating the Process: Getting Creditors to Collaborate 235 Six Objectives for Creditors’ Discussions 236 Step 7: Take Time to Educate Yourself 236 Understanding Your Existing Credit Obligations 236 Knowledge of Personalized Financial Products and Services 237 Staying Current on Credit Scoring Developments 237 Awareness of Credit and Debt Laws 237 Damaged Credit Resources 237 Chapter 11: Dollar Deficits 239 No Warning and No Good Prospects 241 Noticing a Pattern Turns into Purpose 243 Dealing with Life’s Blows 244 Creative Ways to Turbo-charge Your Savings 245 A Rainy Day Fund Versus an Emergency Fund 245 Six Ways to Jump-start Your Savings 247 What to Do If You’re Approaching Retirement and Haven’t Saved Enough 248 Assess Your Current Financial Situation 248 Set Realistic Retirement Goals 249 Create a Budget and Stick to It 249 Maximize Retirement Contributions 249 Seek Professional Financial Advice 249 Explore Additional Income Streams 250 Downsize and Cut Expenses 250 Consider Delaying Retirement 250 Invest Wisely 251 Prioritize Health and Wellness 251 Strategies for Creating and Maintaining a Realistic Budget 251 Prioritize Your Purchases 252 Set Realistic Savings Goals 252 Keep It Simple 252 Include a Miscellaneous Category 252 Track Your Spending 252 Adopt a Cash-only Mindset 253 Understand Four Important Rules of Budgeting 253 Rule #1: Avoid Overspending 253 Rule #2: Add 20% to Your Planned Expenses 254 Rule #3: Reward Yourself with Treats Along the Way 254 Rule #4: Include a Savings Category in Your Budget 255 How to Create a Strong Financial Plan B 255 Dollar Deficit Resources 257 Chapter 12: Discrimination 259 How Discrimination Hurts Us All 262 All About Employment Discrimination and the Gender Pay Gap 263 Some Facts About Redlining and Mortgage and Housing Discrimination 264 My Experience with Appraisal Bias and the Appraisal Gap 265 The Pitfalls of Predatory Lending 266 Combating Housing Discrimination 267 An Understanding of Racial Discrimination and Its Financial Impact 267 Banking Deserts in Low-income Neighborhoods 268 Why Age Discrimination Is Wrong and Its Financial Impact 269 All About Gender Discrimination, Shattering the Glass Ceiling, and the Pink Tax 270 Some Insights into LGBTQ+ Discrimination 271 Unequal Access to Health Care and Other Services or Opportunities 272 Facts About Disability Discrimination and Financial Access 272 Barriers to Financial Access 273 Limited Employment Opportunities 273 Promoting Disability Rights and Financial Inclusion 273 Five Strategies for Dealing with Discrimination 274 A Framework for Healing from Workplace Discrimination 276 Congratulations and an Invitation 276 Discrimination Resources 277 Research Resources 279 Index 287

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Book SynopsisMatthew Partridge is a Senior Writer for MoneyWeek magazine, Britain's leading weekly personal finance and investment magazine, based in London, UK. He previously worked for Citigroup, Lehman Brothers and an economics consultancy, and has a PhD in Economic History from the London School of Economics.Trade Review"A brilliant clear, original and insightful book. It is perfect for both novice and experienced investors. Every reader will learn something new from it." * Matthew Lynn, Daily Telegraph and MoneyWeek columnist *"Matthew Partridge is one of Britain's most experienced investment writers and he is also a trained historian - a rare and crucial combination. He eloquently navigates the stock market and its current trends, while maintaining a foothold in history and literature. This book provides a wealth of accessible knowledge for novices and seasoned investors alike." * Marina Gerner, Award-winning Journalist and Lecturer of Commerce and Culture at NYU London *Table of Contents Chapter - 00: Introduction; Chapter - 01: The basics of investing; Chapter - 02: Managing risk; Chapter - 03: The role of psychology in investing; Chapter - 04: Investing with the professionals; Chapter - 05: Types of investment vehicles; Chapter - 06: Picking an active fund; Chapter - 07: Value investing; Chapter - 08: Growth investing; Chapter - 09: Income investing; Chapter - 10: Investing in the aftermath of chaos; Chapter - 11: Other financial assets; Chapter - 12: Financial technology and alternative finance; Chapter - 13: Conclusion: The top 10 rules of investment;

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Book SynopsisMatthew Partridge is a Senior Writer for MoneyWeek magazine, Britain's leading weekly personal finance and investment magazine, based in London, UK. He previously worked for Citigroup, Lehman Brothers and an economics consultancy, and has a PhD in Economic History from the London School of Economics.Trade Review"A brilliant clear, original and insightful book. It is perfect for both novice and experienced investors. Every reader will learn something new from it." * Matthew Lynn, Daily Telegraph and MoneyWeek columnist *"Matthew Partridge is one of Britain's most experienced investment writers and he is also a trained historian - a rare and crucial combination. He eloquently navigates the stock market and its current trends, while maintaining a foothold in history and literature. This book provides a wealth of accessible knowledge for novices and seasoned investors alike." * Marina Gerner, Award-winning Journalist and Lecturer of Commerce and Culture at NYU London *Table of Contents Chapter - 00: Introduction; Chapter - 01: The basics of investing; Chapter - 02: Managing risk; Chapter - 03: The role of psychology in investing; Chapter - 04: Investing with the professionals; Chapter - 05: Types of investment vehicles; Chapter - 06: Picking an active fund; Chapter - 07: Value investing; Chapter - 08: Growth investing; Chapter - 09: Income investing; Chapter - 10: Investing in the aftermath of chaos; Chapter - 11: Other financial assets; Chapter - 12: Financial technology and alternative finance; Chapter - 13: Conclusion: The top 10 rules of investment;

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Book SynopsisIan Horne is the European Head of Content at Money 20/20, the organizer of the largest global events for the fintech industry where he works towards setting the fintech agenda for investors, technologists, banks and payments organizations. Prior to this, he was Head of UK Audience Development at Citywire. Ian Horne has been shortlisted for HeadlineMoney's UK Fintech Journalist of the Year award and is based in London, UK.Trade Review"Why DeFi Matters is a must-read for anyone interested in a holistic understanding of the nuanced conversation around decentralized finance. From addressing the polarizing political climate to financial inclusion, Ian seamlessly blends financial insights, technological trends and philosophical musings, creating a captivating narrative that leaves you feeling inspired and hopeful about the potential of DeFi." * Nicole Casperson, Founder and Author, Fintech is Femme *"This brilliantly informative book serves as a digestible and engagingly written guide, offering clear insights into the past, present and potential future of not just decentralized finance but also digital assets overall." * Erica Stanford, Author of Crypto Wars *"Why DeFi Matters provides a comprehensive, global and inclusive look at decentralized finance. Ian Horne expands the narrative beyond the narrow, store-of-value lens that often limits a real understanding of the depth and breadth of DeFi. The book skillfully captures the story of DeFi, leaving readers with a clear understanding of why money and commerce matters to the global innovation economy." * Cleve Mesidor, Executive Director, Blockchain Foundation & former Obama Presidential Appointee *"If decentralized finance is one of those crypto buzz words that annoy or scare you, fear not, because Ian Horne's new book will guide you through the history that brought us DeFi, breaking down jargon and uncovering details that even the OGs might have missed." * Mauricio Magaldi, Head of Product, Midnight, Input Output & host of the Blockdrops podcast *Table of Contents Chapter - 01: Crypto and DeFi: Why now, and what exactly is it?; Chapter - 02: Ethereum and DeFi: The creation of crypto’s Financial ecosystem; Chapter - 03: Key DeFi terms; Chapter - 04: What does DeFi do?; Chapter - 05: DAOs: The organizational framework for DeFi; Chapter - 06: NFTs: Beyond the hype; Chapter - 07: Virtually financial: The Metaverse, Web3 and the gamification of DeFi; Chapter - 08: TradFi enters the market: Game over for the decentralized dream?; Chapter - 09: CBDCs: The central bank’s answer to crypto; Chapter - 10: The long road ahead: Can DeFi fulfil its promise?; Chapter - 11: Why does DeFi matter?: Concluding thoughts;

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Book SynopsisMichael Becket is an experienced financial journalist. He was previously the City news editor and small business editor of The Daily Telegraph and has written for numerous publications including The Spectator, Accountancy Age and Money. He has lectured at the University of Manchester, Cranfield University and City, University of London. He is the author of multiple books.

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Book SynopsisFor most sociologists, their life's work does not end with retirement. Many professors and practitioners continue to teach, publish, or explore related activities after leaving academia. They also connect with others in the field to lessen the isolation they sometimes feel outside the ivory tower or an applied work setting. The editors and twenty contributors to the essential anthology Journeys in Sociology use a life-course perspective to address the role of sociology in their lives. The power of their personal experiences-during the Great Depression, World War II, or the student protests and social movements in the 1960s and '70s-magnify how and why social change prompted these men and women to study sociology. Moreover, all of the contributors include a discussion of their activities in retirement. From Bob Perrucci, Tuck Green, and Wendell Bell, who write about issues of class, to Debra Kaufman and Elinore Lurie, who explain how gender played a role in their careers, the diverse enTable of ContentsAcknowledgments Introduction * Rosalyn Benjamin Darling Part I: Children of the Great Depression 1. Toward a Sociology of the Future * Wendell Bell 2. Semper Sociology * Edward A. Tiryakian 3. Three Lives in Two Americas * Robert Perrucci 4. The Life Course of My Career * Glen H. Elder Jr. 5. Six Sociologists from Wayne County, Ohio * Janet Zollinger Giele 6. The Sociological Consequences of Choosing Radical Parents: The Political, the Personal, and the Professional * Peter Mandel Hall 7. My Professional Life: A Brief Memoir * Thomas Scheff 8. My Life in Sociology, Sociology in My Life * Elinore E. Lurie 9 Have You Noticed ... ? * Corinne Kirchner Part II: Coming of Age in the Postwar Years 10. A Life in Sociology * Charles S. Green III 11. Permission Slip for Life as an Applied Sociologist * Arthur Shostak 12. What's It All About? Reflections on Meaning in a Career * Gary T. Marx 13. My Journey with Sociology * Joyce E. Williams 14. Sociology, Politics, and Policy * David J. Armor 15. The Last of Life for Which the First Was Made * Debra Kaufman 16. A Sociological Memoirist * Fred L. Pincus 17. Retiree * Natalie J. Sokoloff 18. Spreading the Sociological Imagination to Lay Audiences * David R. Simon 19. Networking across Stages of a Career * Elizabeth Higginbotham 20. The Impact of Sociology on One Man's Life * Henry Fischer Conclusion * Peter J. Stein Contributors Index

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Book SynopsisThis assessment of the prospects for work and retirement at age 65-plus in the UK and US is essential reading for researchers, students and practitioners interested in the late careers and the future of retirement.Trade Review"This book is to be highly recommended as making an important contribution to understanding the shifting nature of retirement. Policymakers and older people’s advocacy organizations would be well advised to carefully weigh its implications, striking as it does a welcome and rare cautionary note." Journal of Ageing and Social Policy"I recommend Lain's work to all occupational scientists interested in work and retirement, or more generally, in the ways government policy actively and passively influences people's occupational opportunities, choices, and experiences. These are indeed matters of occupational justice." - Journal of Occupational Science"This is a very good book on an important and topical subject, which should form the basis of any critical assessment of the rights and wrongs of early retirement" Journal of Social Policy“Thought provoking and much needed response to those who are currently attempting to put far too positive a spin on projected trends in work and retirement policy.” John Williamson, Boston College, USA"The book is very well written and can also be of interest to anyone wishing to learn more about social determinants of work in later life." Journal of Population Ageing“Once they read this book, policy makers, thought-leaders in the fields of aging, and scholars should feel compelled to engage in difficult conversations about the extent to which employment pathways can and do lead to quality jobs that align well with older adults’ preferences and priorities.” The Gerontologist"David Lain conducts a thorough and masterful comparison of US and UK policies and practices shaping the need, and the opportunities, to work beyond age 65." Madonna Harrington Meyer, Syracuse University and author of Grandmothers at Work: Juggling Families and Jobs"A powerful and original analysis of the different employment trajectories of older people in the UK and the US. The comparison illustrates the challenges of extending working lives in each country and the unequal outcomes that are likely to occur for individuals." Sarah Vickerstaff, University of KentTable of ContentsIntroduction: Reconstructing retirement; Part One: The reconstruction of retirement policy; Changing retirement incomes; The changing regulation of work and retirement; Part Two: Reconstructing employment and retirement behaviour; Pathways to working at age 65+; The capability to work at age 65+; The choice to work at age 65+; Part Three: Current paths and policy alternatives; Current paths and policy alternatives; References; Statistical appendix.

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Book SynopsisThis assessment of the prospects for work and retirement at age 65-plus in the UK and US is essential reading for researchers, students and practitioners interested in the late careers and the future of retirement.Trade Review"This book is to be highly recommended as making an important contribution to understanding the shifting nature of retirement. Policymakers and older people’s advocacy organizations would be well advised to carefully weigh its implications, striking as it does a welcome and rare cautionary note." Journal of Ageing and Social Policy"I recommend Lain's work to all occupational scientists interested in work and retirement, or more generally, in the ways government policy actively and passively influences people's occupational opportunities, choices, and experiences. These are indeed matters of occupational justice." - Journal of Occupational Science"This is a very good book on an important and topical subject, which should form the basis of any critical assessment of the rights and wrongs of early retirement" Journal of Social Policy"The book is very well written and can also be of interest to anyone wishing to learn more about social determinants of work in later life." Journal of Population Ageing“Thought provoking and much needed response to those who are currently attempting to put far too positive a spin on projected trends in work and retirement policy.” John Williamson, Boston College, USA“Once they read this book, policy makers, thought-leaders in the fields of aging, and scholars should feel compelled to engage in difficult conversations about the extent to which employment pathways can and do lead to quality jobs that align well with older adults’ preferences and priorities.” The Gerontologist"David Lain conducts a thorough and masterful comparison of US and UK policies and practices shaping the need, and the opportunities, to work beyond age 65." Madonna Harrington Meyer, Syracuse University and author of Grandmothers at Work: Juggling Families and Jobs"A powerful and original analysis of the different employment trajectories of older people in the UK and the US. The comparison illustrates the challenges of extending working lives in each country and the unequal outcomes that are likely to occur for individuals." Sarah Vickerstaff, University of KentTable of ContentsIntroduction: Reconstructing retirement; Part One: The reconstruction of retirement policy; Changing retirement incomes; The changing regulation of work and retirement; Part Two: Reconstructing employment and retirement behaviour; Pathways to working at age 65+; The capability to work at age 65+; The choice to work at age 65+; Part Three: Current paths and policy alternatives; Current paths and policy alternatives; References; Statistical appendix.

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Book SynopsisFinancial experts agree that with the right guidance, consumers can make investments better than many professionals. This guide gives you the confidence, tools, and insight you need to evaluate financial products and make smart investments that target success over the long term.

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Book SynopsisTales from Albarado revisits times of excitement and loss in early 1990s Albania, in which about a dozen pyramid firms collapsed and caused the country to fall into anarchy and a near civil war. To gain a better understanding of how people from all walks of life came to invest in these financial schemes and how these schemes became intertwined with everyday transactions, dreams, and aspirations, Smoki Musaraj looks at the materiality, sociality, and temporality of financial speculations at the margins of global capital. She argues that the speculative financial practices of the schemes were enabled by official financial infrastructures (such as the postsocialist free-market reforms), by unofficial economies (such as transnational remittances), as well as by historically specific forms of entrepreneurship, transnational social networks, and desires for a European modernity. Overall, these granular stories of participation in the Albanian schemes help understand neoliberal capiTable of ContentsIntroduction: The Tale of Albarado and the Anthropology of Financial Speculation 1. Fajde, Pyramid Firms, or Ponzi Schemes: Gendered Discourses of Finance 2. "Money Flowed Like a River": Materialities of Speculation 3. "Working the Money": Migrants, Remittances, and Social Ties 4. "All We Wanted Was a Beautiful Home": Housing and Temporalities of Speculation 5. The Pyramid Way: Speculation in Construction Epilogue: Ponzi Logics in Postsocialist Albania

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Book SynopsisTable of ContentsIntroduction: The Tale of Albarado and the Anthropology of Financial Speculation 1. Fajde, Pyramid Firms, or Ponzi Schemes: Gendered Discourses of Finance 2. "Money Flowed Like a River": Materialities of Speculation 3. "Working the Money": Migrants, Remittances, and Social Ties 4. "All We Wanted Was a Beautiful Home": Housing and Temporalities of Speculation 5. The Pyramid Way: Speculation in Construction Epilogue: Ponzi Logics in Postsocialist Albania

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Book SynopsisBig Money, Less Risk: Trade Options will put the income boosting power of strategies like writing covered calls, selling naked put options, and placing vertical spread trades or iron condors in your hands. Mark Larson has become one of the most sought after trading educators because of his ability to make once elusive investment approaches accessible to every trader. Success in the stock market is determined by consistently making money every month, not closing your eyes and hoping you can afford to retire. With this book, Larson divulges the secrets to making your money work for you instead of having to work for your money. Ever dream about making 30% in one month? Big Money, Less Risk: Trade Options will put the income boosting power of strategies like writing covered calls, selling naked put options, and placing vertical spread trades or iron condors in your hands. Mark Larson has become one of the most sought after trading educators because of his ability to make once elusive investment approaches accessible to every trader. Success in the stock market is determined by consistently making money every month, not closing your eyes and hoping you can afford to retire. With this book, Larson divulges the secrets to making your money work for you instead of having to work for your money. Inside you'll learn: How to repeatedly make money when the market goes up or down. Investment strategies that allow for huge returns with the use of very little money. How to purchase good stocks at discount prices. How to make significant returns even if you are wrong on the trade. Larson will alo cover the importance of option pricing, implied volatility, the Greeks such as delta, theta, and gamma, and the probability of your option expiring profitable. Most important, you will get, in plain English, some of his favorite technical indicators and the key to how they will form the basis of your options trading success.Table of ContentsForeword vii Preface ix Acknowledgement xiii Introduction xv Chapter One: Pointing the Way with Technical Indicators 1 Chapter Two: An Introduction to Options 47 Chapter Three: It’s All Greek To You: Understanding Delta, Gamma, and Theta 87 Chapter Four: Making The Call: Buying Call Options 101 Chapter Five: You Have It Covered: Covered Calls 129 Chapter Six: Put It Down: Buying Put Options 141 Chapter Seven: Passing It On: Selling Puts 151 Big Money, Less Risk: Trade Options Chapter Eight: Spreading the Wealth: Vertical Bull Put Spreads 165 Chapter Nine: What’s the Spread: Vertical Bear Call Spreads 183 Chapter Ten: Taking Flight with Iron Condors 199 Conclusion 217 Appendix A: Advanced Order Feature on thinkorswim.com 219 Appendix B: Protect Your Assets 221 Glossary 223 Recommended Reading 229

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Book SynopsisInvestors are increasingly turning to LEAPS (Long-Term Equity AnticiPation Securities) to combine the advantages of options trading with the benefits and security of a longer time frame. Here, Marty Kearney of the Options Institute at the Chicago Board Options Exchange examines the wide range of practical and effective strategies for managing LEAPS, and shows you how to match these strategies to your own risk profile. Learn how to tailor your options program using LEAPS and devise key strategies to improve profitability, protect paper profits, and avoid losses in long stock positions. Use LEAPS to produce monthly income Identify key elements in determining LEAPS prices Master LEAPS symbols and expiration cycles Insure your portfolio against market pullbacks Manage year-end tax consequences Establish security positions with little risk Kearney walks you through the inner workings of LEAPS and shows you compelling strategies for incorporating them into your overall approach to market. With instant access to the online video, you'll have everything you need to begin profiting with LEAPS.Table of ContentsPublisher’s Preface v How to Use This Book vii Meet Marty Kearney ix Introduction: Profits from LEAPS Options xiii Chapter 1: A Brief Review of the Basics 1 Chapter 2: Why Bother with LEAPS? 19 Chapter 3: Using LEAPS in a Gifting Program 31 Chapter 4: LEAPS vs. Stock Ownership 41 Chapter 5: Covered Writing with LEAPS 57 Chapter 6: LEAPS Protective Puts and Collars 75 Chapter 7: A Year-End LEAPS Tax Strategy 93 Glossary 107

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Book SynopsisAlthough John Templeton (1912–2008) simply considered himself a bargain hunter, those in the know on Wall Street considered him one of the greatest stock pickers of the twentieth century. Anyone prudent enough to have invested $10,000 in his Templeton Growth Fund when it was first established in 1954 would today have over $7 million to their name if they left those funds alone. Few mutual funds can match that kind of spectacular and consistent performance. How did he do it? What kind of principles guided his decisions through bull and bear markets? What was the secret to his success? Fortunately, generosity was one of Templeton’s defining characteristics, and he freely shared his investing wisdom with the world in The Templeton Touch. This edition, which has been greatly expanded and revised from the original 1983 publication, gives the reader an inside look at the mindset that made Templeton a Wall Street legend. His global focus, his relentless curiosity, his future-mindedness, his personal touch with clients, his willingness to take reasonable risks, his reliance on deep research and fundamental analysis— everything that set him apart from the crowd is covered here in great detail by authorized biographer William Proctor. This updated edition also contains a new section comprised of twenty-two interviews with those who knew and worked with Templeton, conducted by Scott Phillips. Among those interviewed are business luminaries like Jim Rogers, Julian Robertson, Steve Forbes, Prem Watsa, Mason Hawkins, and Michael Price. The Templeton Touch should be required reading for any investor, from the absolute novice to the most experienced. Not only could Templeton’s practical advice help guide investors through tricky market conditions, but the many insights into his character and his philosophies could help anyone live a more successful life.

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Book Synopsis"As we look ahead to the recovery from the COVID-19 crisis, Making Money Moral could not come at a better time." —Jamie Dimon, Chairman and Chief Executive Officer, JPMorgan Chase The math doesn't add up: Global financial markets can no longer ignore the world's most critical problems. The risks are too high and the costs too great. In Making Money Moral: How a New Wave of Visionaries Is Linking Purpose and Profit, authors Judith Rodin and Saadia Madsbjerg explore a burgeoning movement of bold and ambitious innovators. These trailblazers are unlocking private-sector investments in new ways to solve global problems, from environmental challenges to social issues such as poverty and inequality. They are earning great returns and reimagining capitalism in the process. Pioneers in the field of sustainable and impact investing, Rodin and Madsbjerg offer first-hand stories of how investors of every type and in every asset class are investing in world-changing solutions—with great success. Meet the visionaries who are leading this movement:The investment managers putting trillions of dollars to work, like TPG, Wellington Management, State Street Global Advisors, Nuveen, Amundi, APG and Natixis;The asset owners driving the transition, like GPIF and PensionDanmark;A new generation of entrepreneurs benefiting from the investments, like DreamBox Learning, an innovative educational technology platform, and Goodlife Pharmacies, which is disrupting the traditional notion of a pharmacy; The corporations that are repurposing their business models to meet demand for sustainable products and services, like Ørsted; andThe nonprofits that are reimagining how to raise money for their work while creating significant value for investors, like The Nature Conservancy. In their book, Rodin and Madsbjerg offer a deep look at the most powerful tools available today—and how they can be unlocked. They reveal:Who the investors are and what they want;How innovative products and investment strategies can deliver long-term value for investors while improving lives and protecting ecosystems;How leaders can build strategies and prepare their organizations to enter and expand this dynamic market; andHow to measure impact, understand critical regulations, and avoid potential pitfalls.A roadmap to making the financial market a force for good, Making Money Moral is a must-read for those seeking private-sector capital to address a big problem, as well as those seeking both to mitigate risk and to invest in big solutions. "Judith Rodin and Saadia Madsbjerg identify an important new way of looking at money: from the root of all evil to the fount of all solutions. Their timely, important book on impact investing is full of powerful insights and compelling examples they've seen firsthand. Their work will be sure to accelerate momentum toward a more sustainable world." —Rosabeth Moss Kanter, Harvard Business School Professor and Author of Think Outside the Building: How Advanced Leaders Can Change the World One Smart Innovation at a TimeTrade Review"Judith Rodin and Saadia Madsbjerg identify an important new way of looking at money: from the root of all evil to the fount of all solutions. Their timely, important book on impact investing is full of powerful insights and compelling examples they've seen firsthand. Their work will be sure to accelerate momentum toward a more sustainable world." * Rosabeth Moss Kanter, Harvard Business School Professor and Author of Think Outside the Building: How Advanced Leaders Can Change the World One Smart Innovation at a Time *"As we look ahead to the recovery from the COVID-19 crisis, Making Money Moral could not come at a better time. Rodin and Madsbjerg make a compelling case, through well-researched analysis, that, in rebuilding our economies, healthy growth along with sustainable and impact investing will be critical for the future of our planet, its people, and our economic system. Making Money Moral challenges those of us in the investment community to help to lead the way." * Jamie Dimon, Chairman and Chief Executive Officer, JPMorgan Chase *"Anyone who wants to understand the link between capital markets and progress towards a more sustainable, peaceful, and prosperous world should put this book at the top of their reading list. Through real-life examples and in-depth conversations with experts, Making Money Moral demonstrates the power of bringing together the world of finance and the world of impact." * Jeff Skoll, Founder and Chairman, Skoll Foundation, Co-Founder, The Rise Fund *"This book is packed with powerful ideas, insightful analysis, and inspiring stories. In Making Money Moral, Rodin and Madsbjerg, who helped accelerate the growth of this field with their groundbreaking work at the Rockefeller Foundation, make the compelling argument that when capital markets shift their priorities and adopt more responsible, sustainable approaches to making a profit, they can become a tremendous force for good. It will be required reading for all business students seeking a critical lens on the field, including an outstanding chapter on impact measurement." * Laura Arrillaga-Andreessen, Founder and Chair, Stanford Center on Philanthropy and Civil Society, Silicon Valley Social Venture Fund; Author, Giving 2.0 *"Making Money Moral is an essential read for those who want to make capitalism work for everyone—not just a few. This is an issue that looms larger than ever as we come out of the current public health and financial crisis that highlighted long standing economic inequities. Through engaging stories and insightful analysis, Rodin and Madsbjerg offer an inspiring look at the partnerships and financial innovations reshaping capital markets in the twenty-first century. They show us how business leaders, nonprofit leaders, and investors can promote a thriving economy while also expanding opportunities for all." * Helene D. Gayle, MD, MPH, President & CEO for The Chicago Community Trust; Board Member, Colgate Palmolive, The Coca Cola Company, and Go Health *"At a time when capitalism is facing a profound crisis of legitimacy, Making Money Moral shows us how we can make capitalism more inclusive. Through lively, readable prose, using the latest research and expert interviews, the authors analyze how a sustainable and impact investment approach can enhance profitability and better serve society. They show us that the companies doing most to improve lives and protect the planet are poised to become tomorrow's most valuable businesses. This book is a critical read for asset owners and investment managers alike." * Lady Lynn Forester de Rothschild, Founder and CEO of the Coalition for Inclusive Capitalism; Founding and Managing Partner, Inclusive Capital Partners *"Making Money Moral could not be more timely. It will quickly become the go-to manual for anyone who wants to learn about impact investing, including those already in the field who are watching it explode, from two authors who were there from the beginning." * Anne-Marie Slaughter, CEO, New America *"In this rigorously researched and well-written book, Rodin and Madsbjerg tackle a vital subject: the role of financial markets in progress toward a better world. By tracking the growth of sustainable and impact investing and the potential it offers for meeting the sustainable development goals, the authors offer a view of the future of capitalism that is both realistic and hopeful." * Peter Blair Henry, W. R. Berkley Professor of Economics and Finance; Dean Emeritus, New York University Leonard N. Stern School of Business *"In Making Money Moral, Rodin and Madsbjerg describe investment strategies to increase environmental sustainability and ameliorate social challenges while also succeeding financially. This book provides an essential guide for business school students who want to understand this growing field. At once engaging and rigorous, this book provides critically important guidance for those in finance, business, government, and the nonprofit sector who seek to grow and strengthen the practice of sustainable and impact investing. The authors' emphasis on identifying and analyzing the critical partnerships in this ecosystem is first-rate." * Katherine Klein, Edward H. Bowman Professor, Professor of Management; Vice Dean and Director, Wharton Social Impact Initiative, The Wharton School *"If you're an entrepreneur looking to tap the $30 trillion market for impact and sustainable investment capital, Making Money Moral is an essential read. I watched first-hand how Rodin and Madsbjerg helped transform impact investing from a small, socially focused asset class to its prominence in the financial markets in every asset class. The book does an outstanding job in identifying who is moving the markets today and what it takes to succeed to create both purpose and profit. There is critical information for asset owners, advisors, and money managers alike, and for nonprofit and business leaders who want to think more boldly about their role in this new world." * Strive Masiyiwa, Founder and Group Executive Chairman, Econet Group *"Making Money Moral is a revelation for any firm looking to help investors take innovative paths toward growth. Rodin and Madsbjerg are the go-to experts to help guide an understanding of the concepts of sustainable and impact investing. Making Money Moral is a must-read for anyone looking to use new financial tools to build a better future." * John Haley, CEO, Willis Towers Watson *"We created The Rise Fund at TPG to finance cutting edge companies that have innovative, high impact solutions to social and environmental problems. Rodin and Madsbjerg show how these and other types of capital investments, in every asset class, can have transformative effects. Their book makes an essential contribution at this moment when reassessing the role of private capital is so high on the global agenda. Their critical review of the state of the field, their analysis of approaches to impact measurement and their understanding of what it takes to most effectively link purpose and profit makes this book a must-read for all who want to understand this exploding field." * Jon Winkelried, Co-Chief Executive Officer, TPG *

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Book SynopsisThe third installment to our popular Financial Literacy line, How to Become an Investor, is designed for library patrons who want to know more about investing but aren't sure where to start. This new series breaks through the financial jargon to give readers real-world information to help them learn about investing, determine how aggressive or conservative their investments should be, and find out which investments are right for them. Written in an easy-to-follow, informative style, these guides walk the user through many types of investment options, providing sound guidance and need-to-know information along the way.

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Book SynopsisTransform the way you think about money in this easy-to-use, jargon-free guide by Anne Boden (CEO of Starling Bank) which busts commonly held financial myths, helping you to get the most of your cash in today's digital world. There's never been a shortage of advice on managing your money, clearing debt, being canny with your cash and getting the best deals. But it can be hard work, and everyone seems to be saying something different. What if you could easily cut through all the rhetoric and noise and everything could be made straightforward? In The Money Revolution, banking entrepreneur, and founder of award winning Starling Bank, Anne Boden shines a spotlight on how we save, spend and invest our money. By adopting a few new behaviours, it's possible to transform your bank balance for the better. The Money Revolution breaks through the traditional thinking about money and what you've always been told you should expect from financial institutions. Sharing the benefits of smart banking, fintech solutions and the advantages of open banking, it covers a range of financial solutions, from savings and investments to pensions, bill payments and travel money. Find out everything you need to know to get the best out of your money every day.Table of Contents Chapter - 00: Introduction; Section - ONE: Busting the money myths; Chapter - 01: Take control of your money - you are in charge; Chapter - 02: Be smart at building wealth - join the uberization of cash revolution; Chapter - 03: Love your data - it’s the key to your financial health; Section - TWO: Fintech money makeover Chapter - 04: Check your credit score; Chapter - 05: Make money every time you shop; Chapter - 06: Maximize savings and investments; Chapter - 07: Pay-as-you-go insurance; Chapter - 08: Pay off your mortgage; Chapter - 09: Give generously; Chapter - 10: Bill management made easy; Chapter - 11: Saving for retirement - the low stress way; Chapter - 12: Invest like a pro; Chapter - 13: Travel cash best deals; Chapter - 14: Borrow clever; Chapter - 15: Afterword; Chapter - 16: Index

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Book SynopsisElgar Research Agendas outline the future of research in a given area. Leading scholars are given the space to explore their subject in provocative ways and map out the potential directions of travel. They are relevant but also visionary.This cross-disciplinary Research Agenda offers an in-depth exploration into financial resources within households, focussing specifically on how they are managed, how they are distributed and with what results.Bringing together an array of leading experts from the Global South and North, this Research Agenda examines the challenges facing researchers in this area, investigates developments in the field and analyses how research interacts with current public policy. This book shines a crucial light on multiple underexplored topics including economic abuse, financial resources within multigenerational households, ageing and cognitive decline, and the role of children in relation to resources within households. Offering key recommendations for future policy and research, A Research Agenda for Financial Resources within the Household makes an invaluable contribution to this highly topical area.This book will be a vital read for students, early career researchers and established academics interested in economics, sociology and social policy, amongst other disciplines. It will also prove highly beneficial for professionals working in NGOs, third sector organisations and think tanks who focus on the issues surrounding intra-household resources.Trade Review‘This edited collection provides an invaluable guide for researchers at all career stages, and a wider audience, to key issues relating to the intra-household use, management and distribution of resources. Chapters cover methodological challenges, latest research and policy implications in the Global South and North, written by leading authors.’ -- Karen Rowlingson, University of York, UK‘This exciting new book brings together insights on household financial resources by bridging disciplinary, methodological, and geographical boundaries. Chapters use both qualitative and quantitative approaches and include analyses of both the Global South and the Global North. They challenge us to think differently about finances across a wide range of types of households.’ -- Cheryl Doss, Tufts University, US‘This book is a long overdue and important contribution to the literature on the intra-household allocation of resources. The chapters in the book provide a thorough and well-written introduction to the topic for students who are new to it. However, it will also be important reading for those researchers familiar with the topic.Scholars interested in the intra-household allocation of resources will recognise many of the themes and questions that are addressed in the chapters of this comprehensive book. Familiar and well-researched questions are addressed from new theoretical perspectives and methodological approaches. The chapters in the book take up, in fresh and innovative ways, familiar questions such as assumptions about the sharing of resources that underlie beliefs about sharing in households and families, the connection to policy, issues of power and the (sometimes) conflicting priorities between individual and family interests and well-being.But the book does not stop there. It also expands the scope of research on intra-household resource allocation by including under-researched geographical areas and new topics that mirror the times we live in. For instance, it looks more closely at financial allocation and practices in the global south and in elderly couples, the role of children in resource allocation, complex migrant households and economic abuse in couples.I highly recommend this book to all those interested in opening up the lid of the ”black box” of household and family finances and taking a peek inside.’ -- Charlott Nyman, Umeå University, Sweden‘How resources are distributed within households is notoriously difficult to analyse. The 15 chapters of this book offer a remarkable review of the conceptual and methodological challenges faced and the advances in research on intra-household management and allocation of resources, the importance of the issues raised and their implications for the assessment of individual economic well-being, autonomy and living conditions, and for public policies. This is essential reading.’ -- Sophie Ponthieux, formerly Institut National de la Statistique et des Études Économiques (INSEE), FranceTable of ContentsContents: Foreword xv Jan Pahl Acknowledgements xix Introduction to A Research Agenda for Financial Resources within the Household 1 Fran Bennett, Silvia Avram and Siobhan Austen PART I CONCEPTS, TOOLS, MEASURES AND CHALLENGES 1 How much, and why? A critical introduction to the theory and quantitative analysis of intra-household resource distribution 17 Frances Woolley 2 Resources, roles and relationships: What qualitative research can reveal about resources within the household 33 Fran Bennett 3 Barriers to opening the ‘black box’ of intra-household sharing of resources 49 Satomi Maruyama 4 Data about money within the household: Exploring the challenges and gaps 63 Sara Cantillon and Anne-Catherine Guio 5 Peering into the black box: Using microsimulation methods to evaluate the gendered impact of taxes and transfers 79 Silvia Avram and Daria Popova PART II RECENT RESEARCH INTO RESOURCES WITHIN THE HOUSEHOLD: NEW DIRECTIONS TAKEN 6 Many mouths under one roof: Multigenerational families in Europe sharing resources within households 97 Tania Burchardt and Eleni Karagiannaki 7 Individualising wealth and asset measures in the Global South: Challenges and new directions for research 113 Abena D. Oduro and Hema Swaminathan 8 Control ‘of’ resources or control ‘over’ individuals? Exploring the management and distribution of resources within the household and economic abuse 129 Marilyn Howard and Nicola Sharp-Jeffs 9 Intra-household resources in complex migrant households 145 Supriya Singh 10 Who counts in intra-household sharing? Children as active agents in the household economy 161 Gill Main PART III THE INTER-RELATIONSHIP BETWEEN RESOURCES WITHIN THE HOUSEHOLD AND POLICY 11 Understanding the role of social grants as resources in multi-generational households: Examples from South Africa and Lesotho 179 Elena Moore and Thandie Hlabana 12 Ageing populations, financial capability and household financial decision-making in the context of neoliberal social policy systems 193 Debora Price 13 Negotiating assets in a financialised retirement income system: Evidence from older mixed-sex couple households in Australia 209 Siobhan Austen, Susan Himmelweit, Rhonda Sharp and Monica Costa 14 The gendered effects of joint assessment for couples claiming means-tested benefits 225 Rita Griffiths 15 Temporality and the meaning of social security money within households 241 Kate Summers and David Young Index 255

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Book SynopsisThe Streetwise Investor is no ordinary personal finance guide. It fills the reader with the confidence to make sensible, profitable investment decisions based on common sense. It helps investors understand the problems they're facing and deal with them, and gives them the guidance they need to earn better returns without risking it all.Trade Review“…a handy first step to making that first cool million…” (Publishing News, July 04)Table of ContentsAcknowledgements. Introduction. 1. The shareholder revolution. 2. Black Monday, October 1987. 3. New Age. 4. The New Economy mania. 5. Introducing the Contract for Difference. 6. How to use contracts for change. 7. Spread betting. 8. Spotting the trading opportunities. 9. Analysing companies. 10. Eidos. 11. Carphone Warehouse. 12. Telewest Communications. 13. Safeway. 14. New Look. So what is the message of this book? Index.

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Book SynopsisPlaying to Win is a handbook for women who want to be successful. Karren Brady did it. At 23 she took over as Managing Director of Birmingham City Football Club, becoming the youngest ever female Managing Director of a UK PLC when it floated in 1997. Although the club was the "football equivalent of a rubbish dump" and women were barely even seen on the terraces in the early 90s, Karren Brady persuaded her backers to acquire the club and single-mindedly revolutionised it, clearing the debt, taking Birmingham City into the Premier League and transforming it into a viable business. How did she do it? How did a 23-year-old woman with little previous experience at this level of management walk into a man?s world and achieve such success? In Playing to Win, she reveals her secrets and shares with other women the techniques they can adopt to succeed in their own lives, on their own terms. Her ten motivational rules are self-help classics: ambition, determination, courage, charm, hard work, attitude, humour, confidence, focus and communication. Playing to Win shows women how to grow in each of these areas and achieve the success they dream of. And like all great self-help, her principles apply across all areas of experience - work and personal life. Playing to Win is a handbook for success in any situation. Moving from Karren?s story, how she has transformed a business and maintained a full and stable personal life, to a chapter-by-chapter study of the ten principles successful women need to adopt, Playing to Win is essential reading for women who want to have it all.Trade Review“… a first-rate handbook for women keen to succeed in business.” (Daily Express, 23.March 2004) "… a first-rate handbook for women keen to succeed in the business world." (Daily Star, 23 April 2004) "… tips and secrets on how to change yourself to improve your chances." (Daily Post, 28 April 2004)Table of ContentsIntroduction. 1. Starting Out. 2. The Ten Principles of Success. 3. Making Your Mark. 4. Selling Your Dreams. 5. Under the (Media) Spotlight. 6. Winning Against the Odds. 7. The Tricks of the Trade. 8. Creating the Right Culture. 9. Family Ties. 10. The Winning Habit. Epilogue: Some Final Words of Advice. Index.

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Book SynopsisThis book is primarily for parents looking for a source of information which compares the different types of childcare available in the UK. It provides information on the financial consequences, commitments and obligations that come with each of the different forms of childcare.Employers should find the book useful because of the employment tax consequences of childcare benefits, and the variety of childcare concerns brought to HR, relating to a wide range of employees. Employers who value their employees and seek to be both considerate and fair will want to know how they can help in childcare matters in the most cost-effective and tax-efficient manner.Childcare professionals may find some aspects of this book useful, such as the section on expenses and accounts for child minders. Nannies may be interested in understanding how much their net salary package actually costs their employers. The book should also help childcare providers to benchmark their service, and understand the financial consequences for parents, and themselves, of certain payments and benefits.Parents, as employees with children face a dichotomy: on the one hand they have a contractual obligation to their employer and frequently have a strong, personal investment in their career or profession; on the other hand, the duty of care and the desire to do the best for their children is paramount. Many parents are fully alive to their dual responsibilities and are extremely grateful for any support offered to them by their employer and indeed, their colleagues. If friction arises, it is invariably when childcare arrangements break down, or where there is a lack of understanding or communication.This book seeks to set out not only the various options available to parents, with the concomitant potential costs and obligations, but also to discuss alternative and back up arrangements. Many sources of information on childcare focus on new parents and their babies. While this is a critical time when parents seek advice, the childcare arrangements suitable for a couple with a baby may be very different from those for a single parent with school aged children. In this publication, consideration is given to childcare for babies through to teenagers.Table of Contents Preface Contents 1 Introduction and overview 2 Nurseries 3 Childminders 4 Au Pairs 5 Family and Friends 6 Nannies 7 Nannies or employed child carers pay and benefits 8 Employer supported aspects of child care 9 Working Abroad 10 Employment Status 11 Nanny Contracts 12 Self-Employed Child Carers' Tax Position 13 Nanny Salary Indicator 14 Miscellaneous Appendix 1 Glossary Appendix 2 NIC Rates Appendix 3 Useful contacts and sources of information Index

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Book SynopsisThis is a book about becoming a millionaire. Not through investment, although you may invest the money that you make. Not through savings, although you will be able to have some of those. And not through betting on the 4.10 at your local race track. This is a 'how to' book like no other, with seven possible paths, all leading to the same outcome. This is your book, not mine. If you do the things in this book you will become a millionaire - it's that simple. So what do you want to do? Be an authentic millionaire? Design a global brand? Start and grow your business? Avoid pitfalls? See what others don't? Become a professional speaker? Write a bestseller? Your book, your choice. This is a work of fact - if, and only if, you do something with it. Otherwise, it's a work of fiction.Trade Review‘…several inspirational, self-help motivational tips.' (Director, July 2010). ‘This book shows you exactly how to make money, lots of it, while being happy by simply being yourself.' (Nakedleader.com, November 2010).Table of ContentsJourney One – Front to Back. I Your Self Be an Authentic Millionaire. 1 Simply Be Yourself (It's all you need to be). 2 Get Ready for the (Bumpy) Ride Ahead 3 Form Key Relationships (People and money). II Your Brand Design a Global Brand. 4 Find Your Big Idea (It needn't be unique). 5 Become an Obvious Expert (in a world full of them). 6 Master Cyberspace (like a ten-year-old). III Your Business Start and Grow Your Business. 7 Do the Essentials (and not be a busy fool). 8 Unlock the Holy Grail of Fast Business Growth. 9 Know What to Sell (Sell it, deliver it and get paid). IV Your Warning! Avoid the Pitfalls that I Didn't. 10 Make the Big Decision (Don’t give up your day job, just yet). 11 Welcome Detractors (You really need them). 12 Never Be Found Out (by 'reality'). V Your Secrets See What Others Don't. 13 Apply the Lessons from The Secret. 14 Help Others (and change the world for good). 15 See What is Hidden in Plain Sight. VI Your Speaking Present as a Professional Speaker. 16 Prepare (Not for the timid!) 17 Move from Good to Great to Outstanding. 18 Take Your Place as a World-Class Speaker. VII Your Book Write a Bestseller. 231 19 Begin Writing a Book (and finish it!) 20 Have It Published (while staying sane). 21 Turn It into a Bestseller (in reality and perception). Summary: The Naked Ten. Appendix 1 Case Study: The Naked Office. Appendix 2 Acknowledgements, Resources and Sustainability. Journey Two – The Journey of Hindsight. I Your Self Be an Authentic Millionaire. 1 Simply Be Yourself (It's all you need to be). 2 Get Ready for the (Bumpy) Ride Ahead. 3 Form Key Relationships (People and money). II Your Brand Design a Global Brand. 4 Find Your Big Idea (It needn't be unique). 5 Become an Obvious Expert (in a world full of them). 6 Master Cyberspace (like a ten-year-old). III Your Business Start and Grow Your Business. 7 Do the Essentials (and not be a busy fool). 8 Unlock the Holy Grail of Fast Business Growth. 9 Know What to Sell (Sell it, deliver it and get paid). IV Your Warning! Avoid the Pitfalls that I Didn't. 10 Make the Big Decision (Don’t give up your day job, just yet). 11 Welcome Detractors (You really need them). 12 Never Be Found Out (by 'reality'). V Your Secrets See What Others Don't. 13 Apply the Lessons from The Secret. 14 Help Others (and change the world for good). 15 See What is Hidden in Plain Sight. VI Your Speaking Present as a Professional Speaker. 16 Prepare (Not for the timid!) 17 Move from Good to Great to Outstanding. 18 Take Your Place as a World-Class Speaker. VII Your Book Write a Bestseller. 19 Begin Writing a Book (and finish it!) 20 Have It Published (while staying sane). 21 Turn It into a Bestseller (in reality and perception). Summary: The Naked Ten. Appendix 1: Case Study: The Naked Office. Appendix 2: Acknowledgements, Resources and Sustainability. Journey Three – The Journey of Misadventure. I Your Self Be an Authentic Millionaire. 1 Simply Be Yourself (It's all you need to be). 2 Get Ready for the (Bumpy) Ride Ahead. 3 Form Key Relationships (People and money). II Your Brand Design a Global Brand. 4 Find Your Big Idea (It needn't be unique). 5 Become an Obvious Expert (in a world full of them). 6 Master Cyberspace (like a ten-year-old). III Your Business Start and Grow Your Business. 7 Do the Essentials (and not be a busy fool). 8 Unlock the Holy Grail of Fast Business Growth. 9 Know What to Sell (Sell it, deliver it and get paid). IV Your Warning! Avoid the Pitfalls that I Didn't. 10 Make the Big Decision (Don’t give up your day job, just yet). 11 Welcome Detractors (You really need them). 12 Never Be Found Out (by 'reality'). V Your Secrets See What Others Don't. 13 Apply the Lessons from The Secret. 14 Help Others (and change the world for good). 15 See What is Hidden in Plain Sight. VI Your Speaking Present as a Professional Speaker. 16 Prepare (Not for the timid!) 17 Move from Good to Great to Outstanding. 18 Take Your Place as a World-Class Speaker. VII Your Book Write a Bestseller. 19 Begin Writing a Book (and finish it!) 20 Have It Published (while staying sane). 21 Turn It into a Bestseller (in reality and perception). Summary: The Naked Ten. Appendix 1: Case Study: The Naked Office. Appendix 2: Acknowledgements, Resources and Sustainability.

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Book SynopsisThis book is for people who want to know what to do with the money they save: so that it’s there when they need it — to buy a home, pay for college, etc. — but also grows enough so they don’t outlive it. The investment industry is fixated on the importance of maintaining a “balance” of stocks and bonds, shifting to more bonds as one ages. This book challenges this belief by arguing that what’s actually important is to have just enough bonds and cash to support spending needs from a stable source, and to replenish these through the sale of stocks at propitious times when the stock market is not depressed. It features simple mathematical calculations, an explanation of basic financial objects like stocks, bonds, ladders, CDs, ETFs, or annuities, a discussion of how to evaluate financial risk, examinations of insurance, fraud deterrence, dollar cost averaging, benefits of a mortgage, risks of a pension, and general advice about healthcare. Although the book is written to be accessible to those with little or no prior knowledge of finance, the studies and conclusions presented here benefit a multitude of financial investors.Table of ContentsChapter 1: How To Get Richer.- Chapter 2 Deciding What To Invest In.- Chapter 3: Understanding Risk.- Chapter 4: How Much to Hold In Fixed Income Investments.- Chapter 5: When to Exchange Equity for Fixed Income Investments.- Chapter 6: Calculating Spending.- Chapter 7: Insurance Mediates Risk.- Chapter 8: Fraud deterrence.- Chapter 9: General Investment Issues.- Chapter 10: Can I afford to retire.- Chapter 11: Investments After Retirement.- Part I: For the U.S. Investor.- Chapter 12: Pre-Retirement Investment.- Chapter 13: Tax-advantaged savings in retirement.- Chapter 14: Tax relief for education and gifts.- Chapter 15: Optimizing Social Security.- Chapter 16: Healthcare.- Chapter 17: Pensions.- Chapter 18: The Looming Retirement Crisis.- Appendices.- References.- Index.

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Book SynopsisPersonal Financial Planning: A Comprehensive Guide to Personal Financial Planning in Malaysia is a comprehensive guide on personal financial planning tailored for the Malaysia context, covering a wide range of relevant topics including consumer credit management, tax planning, bonds and shares, unit trust, real estate, insurance, estate planning, and an overview of Islamic wealth management.

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Book SynopsisDISCOVER MENTAL AND EMOTIONAL RESILIENCY IN FIVE ESSENTIAL CONDENSED CLASSICSThe five works abridged and introduced by historian and New Thought scholar Mitch Horowitz in Iron Heart inspire you towards the mental toughness and fortitude you need to face any adversity. Niccolò Machiavelli in The Prince teaches you to navigate an amoral world with foresight and self-control. The Art of War by Sun Tzu is the definitive key to power and victory. You will discover essentials of overcoming an adversary and restoring peace. In Power and Wealth Ralph Waldo Emerson teaches how focusing on a single aim and repeatedly working at it, to the exclusion of all lesser concerns, is a winning strategy. In Charles Fillmore's Atom-Smashing Power of Mind you learn how your mental images are the most powerful force in the universeyou are only as great as your ability to control them. Anthony Norvell reveals the simple but profound secrets to self-mastery in The Million-Dollar Secret Hidden in Your Mind, as he directs you towards ethical methods of attaining your desires. The works collected in Iron Heart teach you the strategy and persistence you need to become an indispensible person in a changing world.

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