How To Really Ruin Your Financial Life and Portfolio

Become a more strategic and successful investor by identifying the biases impacting your decision making. In Behavioral Finance and Your Portfolio , acclaimed investment advisor and author Michael M. Pompian delivers an insightful and thorough guide to countering the negative effect of cognitive and behavioral biases on your financial decisions. You’ll learn about the “Big Five” behavioral biases and how they’re reducing your returns and leading to unwanted and unnecessary costs in your portfolio. Designed for investors who are serious about maximizing their gains, in this book you’ll discover how to: ● Take control of your decision-making—even when challenging markets push greed and fear to intolerable levels ● Reflect on how to make investment decisions using data-backed and substantiated information instead of emotion and bias ● Counter deep-seated biases like loss aversion, hindsight and overconfidence with self-awareness and hard facts ● Identify your personal investment psychology profile, which you can use to inform your future financial decision making Behavioral Finance and Your Portfolio was created for individual investors, but will also earn a place in the libraries of financial advisors, planners and portfolio managers who are determined to counteract the less principled and data-driven aspects of their decision making.

How to build a financial plan that really blends into your life The latest volume in the bestselling Ultimate series, Jim Stovall and Tim Maurer's The Ultimate Financial Plan: Balancing Your Money and Life is a one-stop, comprehensive, personal financial planning book exploring the intersection of money and life. The Ultimate Financial Plan examines the connection between actions, thoughts, and feelings when it comes to all things financial. The key to getting the most out of your wealth, the authors argue, is certainly found in the wise utilization of tools, like budgets, bank accounts, 401(k)s, IRAs, Roth IRAs, education savings plans, and real estate, as well as home, auto, business, health, disability, and long term care insurance, but even more so in the contentment found in balancing money's influence in our lives with personal values and goals. An insider's look into the recently humbled «Big 3»—the banks, brokerage firms, and insurance companies—and the inner workings that often set their proprietary goals and objectives above all A critical examination of the role of various financial sales people, advisors, planners, and consultants A guide to navigating Economic Bias—a conflict of interest involving money—and how it affects every financial decision we make The Ultimate Financial Plan is the application of the resources at your disposal for the purpose of living your life to the fullest, and this book will show you the quickest route to getting started on the path to ultimate success.

TIMELESS WISDOM from the ORIGINAL PHILOSOPHER of PERSONAL SUCCESS «No matter who you are or what you do, you are a salesperson. Every time you speak to someone, share an opinion or explain an idea, you are selling your most powerful asset . . . you! In How to Sell Your Way Through Life, Napoleon Hill shares valuable lessons and proven techniques to help you become a true master of sales.» —Sharon Lechter, Coauthor of Think and Grow Rich: Three Feet from Gold; Member of the President's Advisory Council on Financial Literacy «These proven, time-tested principles may forever change your life.» —Greg S. Reid, Coauthor of Think and Grow Rich: Three Feet from Gold; Author of The Millionaire Mentor «Napoleon Hill's Think and Grow Rich and Laws of Success are timeless classics that have improved the lives of millions of people, including my own. Now, we all get the chance to savor more of his profound wisdom in How to Sell Your Way Through Life. It is a collection of simple truths that will forever change the way you see yourself.» —Bill Bartmann, Billionaire Business Coach and Bestselling Author of Bailout Riches (www.billbartman.com) Napoleon Hill, author of the mega-bestseller Think and Grow Rich, pioneered the idea that successful individuals share certain qualities, and that examining and emulating these qualities can guide you to extraordinary achievements. Written in the depths of the Great Depression, How to Sell Your Way Through Life explores a crucial component of Achievement: your ability to make the sale. Ringing eerily true in today's uncertain times, Hill's work takes a practical look at how, regardless of our occupation, we must all be salespeople at key points in our lives. Hill breaks down concrete instances of how the Master Salesman seizes advantages and opportunities, giving you tools you can use to effectively sell yourself and your ideas. Featuring a new Foreword from leadership legend Ken Blanchard, this book is a classic that gives you one beautifully simple principle and the proven tools to make it work for you.

CHANGE YOUR THINKING CHANGE YOUR LIFE "Every line in this book is bursting with truth, wisdom, and power. Brian Tracy is the preeminent authority on showing you how to dramatically improve your life. Let him be your guide. I've learned so much from Brian myself that I can't thank him enough!" —Robert G. Allen, #1 New York Times bestselling author "This book gives you a step-by-step system to transform your thinking about yourself and your potential, enabling you to achieve greater success in every area of your life." —Lee Iacocca, Chairman, Lee Iacocca & Associates "Once again, Brian Tracy has written an incredible book which shows individuals how to delve into their inner resources so that they can not only identify realistic goals but develop a plan on how to achieve these goals. This book promises to be a bestseller and to influence the lives of so many. It is must reading." —Sally Pipes, President, Pacific Research Institute "Outstanding! Brian Tracy's Change Your Thinking, Change Your Life is a must-read. Use the powerful 'mental software' program in this book to tap your vast inner resources and bring the life you've been dreaming about into reality." —Ken Blanchard, coauthor of The One Minute Manager and Full Steam Ahead! "As usual, Brian Tracy has hit another home run with Change Your Thinking, Change Your Life. It's a must-read!" —Mac Anderson, founder, Successories, Inc. "Brian's new book, Change Your Thinking, Change Your Life , will show you how to attract the people and resources you need to achieve any goal you set for yourself." —Tony Jeary, Mr. Presentation, author of Life Is a Series of Presentations "This is a masterful book laden with wisdom and knowledge. It'll catapult you from intention to implementation. It arms you with the information and insights you need to achieve success and significance in your life." —Nido R. Qubein, founder, National Speakers Association Foundation Chairman, Great Harvest Bread Company

Investing do's and don'ts from some of the most recognizable voices in personal finance It's been a tough year for investors. Many have seen their retirement accounts dwindle dramatically and are looking for a safe way to protect what they have and make back some of what they've lost. That's why the bestselling author team of Ben Stein and Phil DeMuth have created The Little Book of Bulletproof Investing: Do's and Don'ts to Protect Your Financial Life. When you invest, there are essential things you should do and many things you shouldn't. The Little Book of Bulletproof Investing: Do's and Don'ts to Protect Your Financial Life addresses this issue and shows you how to utilize the fundamentals of finance to achieve success in today's market. This practical guide contains proven advice on navigating today's treacherous financial landscape and will put you in a better position to make more informed investment decisions. Includes street-smart advice for the individual investor uncertain about their investment and retirement portfolios Written by a experienced team of bestselling authors whose investment advice is accessible to everyone Outlines the steps you must take to protect yourself from the financial calamities of modern life The Little Book of Bulletproof Investing: Do's and Don'ts to Protect Your Financial Life offers quick, easy-to-follow, and entertaining advice for anyone looking to get back on the right investment track.

The must-have guide on how to protect yourself during the coming age of hyperinflation The Petersen/Pew Commission on Budget Reform recently warned that the national debt was expected to grow from 40 percent of the gross domestic product (GDP) in 2009 to 85 percent in 8 years, 100 percent in 12 years, and 200 percent by 2038. In other words, in just a few years the U.S. will owe twice as much as it produces. Since no conceivable level of taxes and borrowing will enable the country to service such an enormous debt, it is inevitable that government will turn to the same tricks its antecedents have been playing since Ancient Rome: debasing the dollar and letting inflation run rampant. Inflation-Proof Your Portfolio: Protect Your Money from the Coming Government Hyperinflation is your guide to understanding the debt crisis and rising inflation, packed with the key tools you need to protect yourself from the fallout. Neither an economic treatise nor a collection of specific investment advice, the book is intended as a resource to help empower citizens to take action to protect their money from the coming government-induced hyperinflation Essential reading for individual investors and general business readers alike who want to keep their money safe when inflation sets in A runaway self-publishing hit, this new edition is fully revised and updated Get the information you need to formulate your own plan of action to protect your investments The U.S. dollar is almost certain to have a sustained run of extremely high inflation over the next decade because of continued huge government deficits and unfunded liabilities, and this book is the resource you need to be ready.

The updated new edition of the comprehensive guide to reading and understanding financial reports Financial reports are used to provide a range of vital information, including an organization’s cash flow, financial condition, and profit performance (aka The Big Three Financial Statements). Financial statements are often complex and extremely difficult to understand for anyone other than accounting and finance professionals. How to Read a Financial Report enablesinvestors, lenders, business leaders, analysts, and managers to read, analyze, and interpret financial accounting reports. Designed specifically for non-specialists, this reader-friendly resource covers the fundamentals of financial reporting in jargon-free English. Topics such as sales revenue & recognition, costs of goods sold, sources & uses of capital/cash, non-cash expenses (e.g., depreciation expense), income tax obligations, understanding profits & financial stability, and financial statement ratios & analysis are covered throughout the book. Now in its ninth edition, this bestselling guide has been thoroughly revised to reflect changes in accounting and financial reporting rules, current practices, and recent trends. New and expanded content explains managing cash flow, illustrates the deceitful misrepresentation of profits in some financial reports (aka Financial Engineering), and more. Further, end-of-chapter activities help readers learn the intricacies of the balance sheet and cash flow statement, while updated sections address shifts in regulatory standards. Written by two highly experienced experts in financial accounting, this resource:  Enables readers to cut through the noise and focus on what financial reports and financial statements are really saying about a company Clarifies commonly misunderstood aspects of financial reporting and how companies can “financially engineer” operating results Offers comprehensive, step-by-step guidance on analyzing financial reports Provides numerous examples and explanations of various types of financial reports and analysis tools

Learn how to inspire your audience with best-selling author Paul McGee! 13 things you'll discover when reading this book… 1. The big lesson Steve Jobs learnt when an advertising exec threw something at him… and how it will help how you communicate. 2. Seven ways to manage your nerves (surprisingly, you don’t want to eliminate them). 3. Why our obsession with body language is totally wrong, and what to focus on instead. 4. Why you must think about a beachball before you next speak. Believe me, it’s essential. 5. A question your audience is always thinking, and how to ensure you provide the answer. 6. The most common mistake experienced presenters make that nervous ones never do. 7. Why so many presentations cure insomnia, and how to make sure you’re serving an extra strong double espresso instead. 8. The number one thing most presenters forget to bring when they’re speaking to others. 9. Discover the most underprepared part of your presentation, and how to avoid making the same mistake. 10. What women’s magazines and TV soap operas have to teach us about audience engagement. 11. What I learnt from a guy with one of the most powerful memories on the planet, and how it can transform your communication. 12. Discover Tony Blair’s biggest fear when Prime Minister, and how you can tackle the same issue with confidence. 13. Why you don’t have to be funny to use humour in your presentation, and three easy ways to do it.

Retirement planning isn't something that happens at a specific point in time or at a specific age – we are all affecting our retirement plans every day with every decision we do or don't make. Canadians are living longer, and the average retiree in the future may have as much as 30 years of retirement to plan for, and there are many simple things that will impact our eventual retirement life. 52 Ways to Wreck Your Retirement identifies 52 things we do that could wreck our retirement, explains why it puts your retirement at risk, and provides the strategy to correct the mistake, or better still, avoid it entirely. The book is organized under several key areas of the planning process, including: Starting to Plan for Retirement Mistakes around Investing Mistakes around Debt Saving for Retirement Pensions Living in Retirement Spending in Retirement New Realities about Retirement 52 Ways to Wreck Your Retirement is not a feel-good book about how wonderful retirement will be or an alarming fear-mongering book about dying broke, nor is it a get-rich-late-retirement solution. Quite simply, it is an easily-accessible and practical guide written for Canadians of all ages that gives you the tools you need to better manage the financial and personal aspects of your retirement.