The Way You Do Anything is the Way You Do Everything. The Why of Why Your Business Isn't Making More Money

Increase the odds you won't run out of money in retirement – using debt! Conventional wisdom is wrong – being debt free in retirement may actually increase your risk. The Value of Debt in Retirement teaches you how incorporating debt into your retirement strategy may increase your return, lower your taxes and actually lower your risk. You read that right. If handled correctly, debt—that thing we've all been taught to avoid—can play an integral role in your life, especially in retirement. New York Times Best Selling Author and nationally acclaimed financial expert Tom Anderson shows you how to use the time tested strategies of the best companies and the ultra rich to retire comfortably, minimize taxes, buy the things you have always wanted to have and do the things you have always wanted to do. Thought provoking and against the grain, Anderson explains why your risk tolerance doesn't matter, why being debt free may actually increase your risk and why rushing to pay off your mortgage may be a financial disaster. Full of shocking revelations and tricks high- net-worth individuals have used for years, The Value of Debt in Retirement opens the world to a new approach to wealth management in retirement, one that factors in both sides of the balance sheet as an integrated ecosystem. Real-world case studies illustrate how informed debt strategies can lead to a happier, healthier retirement. See how an individual with a net worth of more than $5 million can spend $20,000 per month – after taxes – and pay less than $5,000 per year in taxes, how it is possible to increase your rate of return by 50%, and how a lower risk portfolio with debt could increase the chances you do not run out of money. Specifically written to Baby Boomers, practical guides and checklists show how to use debt strategies to fund primary and secondary properties, refinance credit card debt, and finance hobbies, such as cars and boats and recreational vehicles. Additional guides show how you can help your children, help your parents and leave a bigger legacy for your heirs and favorite charities. Regardless of your net worth, The Value of Debt in Retirement provides tools to use to apply these concepts to your personal situation. There is no free lunch: the book delivers a balanced perspective focusing on the potential risks and benefits of the strategies discussed. A discussion on economic history highlights some of the shocks the economy may face and provides important warnings that you should factor into your retirement plan. Anderson not only shows that your life expectancy may be longer than you think, but also illustrates that many investors may be on track to average returns well under 4% for the next ten years – a potentially devastating combination. Irrespective of your beliefs about debt, The Value of Debt in Retirement proves risk is more important than return for retirees and provides suggestions on ways to minimize that risk. Not all debt is good and high levels of debt are bad. The Value of Debt in Retirement is about choosing the right debt, in the right amounts, at the right time. Perhaps most importantly, this book isn't for everybody. This book requires responsible actions. If you can't handle the responsibility associated with the ideas then this book then it isn't for you. If you need a rate of return under 3% from your investments then you may not need this book. But if you can handle the responsibility and if you need a return above 3%, this book may offer insights into the best (and potentially only) way to achieve your goals.

Bring positive change and attain the highest levels of success Robin Crow has years of experience working in the trenches as an entrepreneur and business owner. Now he has put all that work at your disposal with his unique Seven Step Challenge. Presented as a call to action, Evolve or Die delivers optimistic solutions to become better than you were yesterday and realize abundance at every level for personal and professional growth. The method teaches Exceed expectations Gets things done 100% accountability Commit to continual improvement Boundless optimism Environmental responsibility Make a difference Whether you're the CEO or cleaning the CEO's office, by following the author's program you'll be able to regain control, refocus, and bring positive change to attain the highest levels of success.

Citing statistical curves called long-tailed distributions because the tails are very long relative to the heads, Anderson, editor of Wired magazine, focuses on the tail, or the development in the new digital world of an infinite number of niche markets of any size that are economically viable due to falling distribution costs and in the aggregate represent significant sales. Although the author considers primarily media and entertainment companies, he also shows the long-tail effect at eBay, KitchenAid, Legos, Salesforce.com, and Google. His nine rules for successful long-tail strategies include lowering costs and thinking niche (one product, distribution method, or price does not fit all) and giving up control by sharing information and offering choices. In this excellent book, Anderson tells that the story of the long tail is really about the economics of abundance — what happens when the bottlenecks that stand between supply and demand in our culture start to disappear and everything becomes available to everyone.

Citing statistical curves called long-tailed distributions because the tails are very long relative to the heads, Anderson, editor of Wired magazine, focuses on the tail, or the development in the new digital world of an infinite number of niche markets of any size that are economically viable due to falling distribution costs and in the aggregate represent significant sales. Although the author considers primarily media and entertainment companies, he also shows the long-tail effect at eBay, KitchenAid, Legos, Salesforce.com, and Google. His nine rules for successful long-tail strategies include lowering costs and thinking niche (one product, distribution method, or price does not fit all) and giving up control by sharing information and offering choices. In this excellent book, Anderson tells that the story of the long tail is really about the economics of abundance — what happens when the bottlenecks that stand between supply and demand in our culture start to disappear and everything becomes available to everyone.

The Way of the Dog is a self-help classic. It tells the story of failed salesman, Derek Stubbins, who wanders into a brothers Grimm nightmare and gets turned into a dog. He has to learn the way of the dog to get by. He has to develop the simple, clear way of thinking that a sheepdog has for its task. In doing so, he finds that he can achieve any goal he desires. It is the perfect pathway to success. Why a dog? A dog has only two states of thought, which are happy, and waiting to be happy. When it has a task to do, it sees the beginning and the end. It doesn't become anxious or depressed at the size of the job, but just undertakes it and deals with obstacles as they come. It always succeeds. Geoff Burch taps into the core of great personal development writing in The Way of the Dog. He focuses on the two big questions – what do you want to do with your life and how do you do it? By following the way of the dog, each obstacle in your path is dealt with unfailingly, one at a time. And if you don't know where you're going or what you need to make you happy, the sheepdog will show you how to recognise a sheep and not to waste time with goats. The Way of the Dog offers timeless, accessible, fast-paced, funny and memorable advice. Inspiring lifestyle wisdom is brought out through simple storytelling. Plan your course through life and overcome every obstacle in your path by adopting The Way of the Dog's route map to success. Unlike the instructions in flat-pack furniture, anyone can understand it, it is easy to do, and the outcome will not be a surprise or a disappointment. The Way of the Dog contains the secrets of success.

Doing business in the digital age The Great Fragmentation: And Why the Future of All Business is Small is a business survival manifesto for the technology revolution. As the world moves from the industrial era to the digital age, power is shifting and fragmenting. Power is no longer about might and ownership; power in a digital world is about access. Existing businesses need to understand this shift and position themselves to survive and thrive in an environment where entrepreneurs and start-ups enabled by access to technology are genuine threats. Author Steve Sammartino is widely regarded as a thought leader on the subject of technology and business, and helps companies transition from industrial-era thinking to the mindset and processes required to compete in today's digital marketplace. The Great Fragmentation shows how technological changes such as Big Data, gamification, crowdfunding, Bitcoin, 3D printing, social media, mashup culture and artisanal production will forever change business and the way we live our lives. Examine how the digital era has altered where we work, how we work, where we live and what we do Discover how the digital era has impacted social and economic structures, including educational systems, financial systems and government policy Understand that the social media and collecting 'friends' is just the tip of the iceberg in a digital business environment Weaving together insights from business, technology and anthropology, The Great Fragmentation provides both corporations and entrepreneurs with a playbook for the future of work, life and business in the digital era.

Sir John Templeton, legendary investor, was famous for saying, «The four most dangerous words in investing are, 'This time it's different.'» He knew that though history doesn't repeat, not exactly, history is an excellent guide for investors. In Markets Never Forget But People Do: How Your Memory Is Costing You Money and Why This Time Isn't Different, long-time Forbes columnist, CEO of Fisher Investments, and 4-time New York Times bestselling author Ken Fisher shows how and why investors' memories fail them—and how costly that can be. More important, he shows steps investors can take to begin reducing errors they repeatedly make. The past is never indicative of the future, but history can be one powerful guide in shaping forward looking expectations. Readers can learn how to see the world more clearly—and learn to make fewer errors—by understanding just a bit of investing past.

What is school for and why does it matter? The Making of Her asks the big questions. What are the challenges facing students and their teachers today? How do we educate girls to become tomorrow’s leaders? What is the role of a school in a modern, virtual world? This book takes a provocative look at our education system, laying bare the day-to-day experience of school for students, teachers and families. Now, in the twenty-first century, what does it take for every student, regardless of background, to find their passion, reach towards excellence and flourish? Clarissa Farr pulls together everything she has learned during her extraordinary leadership career into a message for our time. If we care about the future for our schools and young people, here are the changes we must make.