Личные финансы ЛитРес

Protect your clients' assets and shield their estates from increased taxation brought about by changing tax laws. This book can help you to understand the tax obligations of trusts and estates and how these obligations affect beneficiaries. It provides exercises and examples that reflect the calculation and allocation of taxable income and its presentation on the appropriate forms. In addition, you will also learn how to prepare federal Form 1041, US Income Tax Return for Estates and Trusts. Key topics covered include: How are trusts and estates taxed under the internal revenue code? What is a trust? What is a «simple trust?» What is a «complex trust?» How is the «income» of a trust or estate defined for tax purposes? What are the ordinary deductions and credits allowed? How is the «deduction for distributions» to beneficiaries determined? How are trust and estate beneficiaries taxed? What is a «grantor trust» and how is it taxed? How to prepare Form 1041.

От 50 000 до 150 000 000 за год. Удача? Случай? Сказка? Нет, денежное мышление! Александра Белякова, специалист по финансовой свободе, блогер (@aleksandra_b) и автор курсов AB.MONEY и AB.BRAND, знает, как зарабатывать деньги на любимом деле, не работая 24/7 и не жертвуя настоящим ради будущего. Её программы прошло более 25 000 человек, которые стали свободными и богатыми. В этой книге она делится своей историей, основами денежного мышления, упражнениями и конкретными техниками, с которыми квантовый скачок – это реальность, а не мечта.

Полноценный обучающий курс по футбольному беттингу. Издание «Рождение победы» относится к книгам тематики «Саморазвитие» и «Самопомощь» и принадлежит к разряду уникального обучающего материала. Данная книга предназначена для самостоятельного высокоэффективного изучения дисциплины «футбольный беттинг» независимо от первоначального уровня подготовки, а также для повышения уже имеющих знаний и навыков у действующих спортивных бетторов, спортивных прогнозистов и инвесторов направления футбольного беттинга. Информация книги направлена на общее развитие финансовой грамотности человека и увеличение его общего финансового IQ. Курс книги включает в себя полновесный и самодостаточный теоретический материал по дисциплине «футбольный беттинг», а также практические и экзаменационные задания для четкого и точного определения текущего уровня знаний и навыков обучаемых. Итоговый концепт издания был дополнен солидным базисом по общей финансовой грамотности и рациональному использованию совокупного личного капитала, что многократно увеличивает его итоговый финансовый профит для добросовестных пользователей знаниями представленного издания. В формате PDF A4 сохранен издательский макет.

If you're dissatisfied with your job, your finances, or your overall station in life, you aren't alone. The majority of young professionals report experiencing stress over money and career worries and feeling that they aren't on the right path. It can be difficult to untangle the work stuff, the money stuff, and the personal stuff because it's all inextricably linked. That's the message of Work Your Money, Not Your Life?an all-in-one guide to figuring it out and getting where you want to be. In this book, award-winning Certified Financial Planner and Google strategist Roger Ma offers secrets to career satisfaction, a secure financial life, and personal happiness all in one place. And the one idea underneath it all is this: money affects every part of our lives. Simply by sorting out your personal finances (and it isn't as bad as it sounds!), you can build a foundation from which you'll be able to find the right career path, visualize your desired lifestyle, and turn your dreams into realities. When the life you're living and the life you want to live don't match up, everything feels off balance. Where do you begin trying to connect the dots? Start with this book. The accessible, practical advice will teach you the career and financial strategies you'll need to get where you're going.

The tax code may be bloated, but that doesn't mean your check to the IRS has to be. Let Deduct Everything! be your ultimate guide to lowering your annual tax bill. This comprehensive guide to legal deductions, credits and loopholes covers rules of thumb for record-keeping and how to stay organized, secrets to mortgage, tax and insurance deductions, maximizing work-related expenses, making the most of medical expense and health savings accounts, strategies for utilizing deductions and credits for education, and lots of tips on how to make more money-some of it tax-free!

Maximize your bottom line with the nation's most trusted small business tax guide J. K. Lasser's Small Business Taxes 2020 is the small business owner's ultimate guide to a money-saving, stress-free tax season. Providing straightforward advice from the nation's most trusted tax expert on small business taxes, this book gives you the answers you need quickly, with clear, concise guidance. Updated to cover changes from the Tax Cuts and Jobs Act and other legislation, this edition also includes an e-supplement covering additional developments from Congress and the IRS to keep you fully up-to-date. A complete listing of all available business deductions and credits helps you identify those you qualify for, and includes critical information on dollar limits, recordkeeping requirements, and how to actually take the write-off—all the way down to the IRS form to use. Organizational and planning strategies help you get through the process quickly and with fewer headaches, and this year's changes to the tax laws are explained in terms of how they affect your filing. Keeping up with the intricacies of tax law and filing is a full-time job—but it's not your full-time job. You have a business to run. This book gives you the guidance you need in the time that you have so you can get taxes out of the way and get back to work. Learn which expenses qualify for deductions—and which ones don't Adopt a more organized recordkeeping system to streamline the filing process Explore small-business-specific strategies for starting or closing a business, running a sideline business, and operating in multiple businesses Decode the various forms and worksheets correctly with step-by-step guidance Audit-proof your return Review obligations for the “other taxes,” including payroll and excise taxes Every year, millions of small business owners overpay their taxes because they lack the time and expertise to make tax-sensitive business decisions throughout the year only to learn that it’s too late to act when it comes to tax time. Now you can put your money back where it belongs—in your business. J. K. Lasser's Small Business Taxes 2020 helps you take wise actions during the year and tells you how to file completely and accurately while maximizing your bottom line.

Eye tracking is a widely used research method, but there are many questions and misconceptions about how to effectively apply it. Eye Tracking the User Experience—the first how-to book about eye tracking for UX practitioners—offers step-by-step advice on how to plan, prepare, and conduct eye tracking studies; how to analyze and interpret eye movement data; and how to successfully communicate eye tracking findings.

Donald Trump and Robert Kiyosaki wrote Why We Want You To Be Rich because they saw how the turbulent economic climate would impact the middle class. They predict the middle class in America will continue to shrink—pushing most middle-class Americans into the ranks of the poor. This book inspires middle-class Americans who believe that the American Dream is alive and well to take control of their lives… and take charge of the one thing they have total control over: themselves.

In Rich Dad's Conspiracy of the Rich, Robert Kiyosaki explores why many people are waiting for the political and financial systems of the world to change. He shares his opinion that it’s easier to change yourself than to wait for our leaders and systems to change.Is it time for you to take control of your money and your financial future? Is it time to find out what those who control the financial world don't want you to know? Do you want complex and confusing financial concepts to be made simple? If you answered «yes» to these questions, then this book is for you.In 1971, after President Nixon took the U.S. dollar off the gold standard, the rules of money changed. And today, money is no longer money. That is why the first new rule of money is Money is knowledge.Robert Kiyosaki wrote this book for those who want to increase their financial knowledge and take control of their lives.According to Kiyosaki: We cannot see the world of the future with our eyes. “The world of the future is invisible, and we have to see it with our minds.”Kiyosaki sees a new economy and new definitions of wealth. He believes that there will be new millionaires and billionaires. Money will be made at ultrahigh speed. The question is: Will you be among the new rich, or the new poor?The old economy, the economy as we knew it, is not coming back. A new economy is being born, an economy that will be led by kids born after 1990, young people who only know the invisible, high-speed world of the future.

Few would argue with the fact that, on many fronts, we are a world in crisis. And there are two sides to every crisis, be it a leadership crisis, an economic crisis, an education crisis or a moral crisis. The two side to crisis are danger and opportunity.Robert Kiyosaki’s new book, Second Chance…for Your Money and Your Life, uses the lessons from the past and a brutal assessment of the present to prepare readers to see—–and seize–—the future.If readers can train their minds to see what their eyes cannot, in a world that is becoming increasingly more ‘invisible’ and moving at a high rate of speed, they can have a second chance at creating the life they’ve always wanted.The global problems we face cannot be solved by the same minds and people who created them and today’s world demands the ability to see the future and prepare for what lies ahead…prepare for the opportunities as well as the challenges.Like it or not, we are all involved in the greatest evolutionary event in human history. The Industrial Age is over and the Information Age continues to accelerate. The visible agents of change have become invisible…and harder to see. And the future belongs to those who can train their minds, use the past to see the future, and take the steps to create the positive change they want to see in their lives.Second Chance is a guide to understanding how the past will shape the future and how you can use Information Age tools and insights to create a fresh start. This book is a guide to facing head-on the dangers of the crises around us—and steps and tips for seizing the opportunities they present.

Rich Dad’s CASHFLOW Quadrant is a guide to financial freedom. It’s the second book in the Rich Dad Series and reveals how some people work less, earn more, pay less in taxes, and learn to become financially free.CASHFLOW Quadrant was written for those who are ready to move beyond job security and enter the world of financial freedom. It’s for those who want to make significant changes in their lives and take control of their financial future.Robert believes that the reason most people struggle financially is because they've been spent years in school but were never been taught about money. Robert’s rich dad taught him that this lack of financial education is why so many people work so hard all their lives for money… instead of learning how to make money work for them.This book will change the way you think about jobs, careers, and owning your own business and inspire you to learn the rules of money that the rich use to build and grow their wealth.

When Before You Quit Your Job was written and published, it was a guidebook for aspiring entrepreneurs. Today—with the job market in shambles, overseas outsourcing and high unemployment—it can be a path to the salvation so many are looking for: A way take control of their life and use their skills and talents to create their future.Before You Quit Your Job asks: Do you have a million-dollar idea? Are you afraid of failing? Are you tired of making other people rich? Are you sick of taking order from your boss? Are you tired of working hard and not getting ahead? Are you ready to take a leap of faith and change your life?Learn about the B-I Triangle and the 8 Integrities of a Business—before you quit your job!

In these challenging economic times it’s more important than ever for women to be in control of their economic future… and go from wherever they are today, financially, to where they want to be. It’s a time when it is possible to find opportunity and secure financial security for life.It’s Rising Time! is a call to women to rise up to their potential and to rise above anything and everything that’s holding them back. It’s a validation of stamina and tenacity – and a challenge to women to push beyond where most believe they can go in terms of taking control of their future.Kim Kiyosaki believes that It's Rising Time!…for women who have a vision for what they want in life and are willing to do what it takes to turn that vision into a reality.In this new book, Kim explains what it really takes to go from wherever you are financially today to where you want to be. It’s a book of courage and creativeness, time-tested principles and real-life stories of success, setbacks and comebacks… with a few surprises along the way. Kim shares candid stories from women and men who have been through the good, the bad and the ridiculous—and the lessons they learned.Readers will experience the steps in the process of growth and change as Kim introduces her Triple-A Triangle – for Aspiring, Acquiring and Applying all that you want and learn and can do – as the process through which we initiate and create change. This book addresses what happens when you get stuck in the process as well as how to recover from a setback—and what to do when it just gets too hard.Kim believes that it’s time for women’s true strength and determination to surface. It’s Rising Time is an important book because today we’re faced with new issues and new financial challenges and there is a pressing need for new answers and new ideas. This book will help women navigate these unsettling and challenging economic times and take the first steps for making change in¬¬—and taking charge of—their lives. It’s Rising Time! will inspire, educate and lead women to do what it takes to realize their financial dreams and enjoy the rewards of financial security for life.“… the next giant economic growth wave won’t come from the Internet or China or India, but from empowering women.” – The Economist“The truth is that women already are the most dynamic and fastest-growing economic force in the world today. The 21st century is going to be the ‘Women’s Century.’” – Muhtar Kent, CEO of Coca-Cola

Many of our global economic problems started in 1971…when President Richard Nixon took the U.S. off the gold standard. Throughout history, when a government went off the gold standard, an age of turbulence began.In 1997, Robert's book Rich Dad Poor Dad stunned readers stating, «Your house is not an asset.» As howls of protest went up around the world, the book went on to become an international bestseller and the #1 personal finance book of all time.Rich Dad Poor Dad is not a book on real estate. It is a book about the importance of financial education. Rich Dad Poor Dad was written to prepare you and your loved ones for the financial turbulence Robert's rich dad saw coming.In 2007, as homes declined in value or were lost to foreclosure, millions of homeowners painfully discovered the wisdom of words of Robert's rich dad. Today we are all aware that a home can be a liability. Today we know a home can go up or down in value. Today, we all know a person can lose money investing in the stock market. Today we all know our money can go down in value and that even savers can be losers.This is why financial intelligence is more important today than ever before. In a world of financial turbulence, your best asset is financial IQ.

On the heels of his 2010 New York Times bestseller Conspiracy of the Rich, Robert Kiyosaki takes a new and hard-hitting look at the factors that impact people from all walks of life as they struggle to cope with change and challenges that impact their financial world.In Unfair Advantage &mdash The Power of Financial Education Robert underscores his messages and challenges readers to change their context and act in a new way. Readers are advised to stop blindly accepting that they are ‘disadvantaged’ people with limited options. They are encouraged to act beyond their concept of limited options and challenge the preconception that they will struggle financially all of their lives. Robert’s fresh approach to his time-tested messages includes clear, actionable steps that any individual or family can take, starting with education. Education becomes applied knowledge, a powerful tactic with measurable results.In true Rich Dad style, readers will be challenged to understand two points of view, and experience how financial knowledge is their unfair advantage.Why do the rich get richer even in a financial crisis? In his new book, An Unfair Advantage, Robert confirms his message and challenges readers to change their context and act in a new way. Readers are advised to stop blindly accepting that they are ‘disadvantaged’ people with limited options and challenge the notion that they will struggle, financially, all their lives. What does school teach you about money? In most cases, the answer is “Not much.” If there is any financial education, the courses are taught by financial planners and bankers… the agents of Wall Street and the big banks, the very people that caused and profited from the financial crisis.This book is about real financial education. This book is about how debt and taxes make the rich richer &hellip and why debt and taxes makes the poor and middle class struggle. This book explains why the rich get richer, paying less in taxes, while the middle class shrinks &mdash with many losing jobs, homes, and retirement &mdash and paying more in taxes. This book is about the five unfair advantages a real financial education offers. The Unfair Advantage of Knowledge The Unfair Advantage of Taxes The Unfair Advantage of Debt The Unfair Advantage of Risk The Unfair Advantage of CompensationThese five unfair advantages are the outcomes of real financial education.

New York Times bestsellerDo you know what your retirement account will be worth on the day you plan to tap into it? Do you know what the tax rates will be for the rest of your life? Do you know how long you're going to live? Most people have no clue…and that's the problem with conventional financial planning: It's based on things you can't predict or control. Wall Street lost more than 49% of the typical investor's money – twice – since the year 2000. And studies show that because they followed the conventional wisdom, almost half of all Boomers won't have enough money to cover even basic living expenses during their retirement years. Now the financial gurus whose advice got you into this mess in the first place are telling you to «take more risk,» «work till you drop,» and «plan on spending less in retirement.» Don't let them fool you again!In The Bank On Yourself Revolution, financial security expert Pamela Yellen details how hundreds of thousands of people of all ages and incomes have bucked the system to secure their families' financial futures without gambling in the Wall Street Casino or taking any unnecessary risks. You'll discover a proven step-by-step plan for growing your wealth safely, predictably, and guaranteed every single year – even when the markets are tumbling. And you'll learn how to bypass banks, credit card and financing companies to become your own source of financing for cars, vacations, a college education, business expenses and other major purchases.The Bank On Yourself Revolution isn't a «get-rich-quick» scheme; it's about having real wealth and financial security for as long as you live. You can finally know how much money you'll have next year, in 10, 20 or 30 years – and at every point along the way. Join the Revolution and take control of your own financial future!

Most horse owners don't have unlimited disposable income, and, unfortunately, equine-related financial decisions are often driven by their passion rather than sound, long-range planning. Here, the author explains how this potentially disastrous scenario can be avoided with the appropriate preparation. Horse Economics helps illustrate a complete financial picture for the horse owner, first by determining the true costs of horse ownership, and then incorporating these added expenses into a household budget. Chapters include information on managing credit, debt, retirement, and investment, as well as an extensive examination of purchasing, owning, maintaining, and selling horse property. The book also includes helpful worksheets for calculating net worth, cash flow, and more.

Rich Kid Smart Kid is written for parents who value education, want to give their children a financial head start in life, and are willing to take an active role to make that happen.In the Information Age, a good education is more important than ever. But the current educational system may not be providing all the information a child needsto thrive in today’s fast-paced, ever-changing world. This book was designed to fill in the gaps and to give your child the same inspiring and practical knowledge that Robert’s rich dad gave him.Rich Kid Smart Kid will show you how to awaken your child’s love of learning. It will open doors that many never knew existed and give parents the tools and skills and real-world experiences (financial field trips!) that they can share with their child, knowledge he or she can use for the rest of their life. Are you worried that school isn’t preparing your child for the real world? It probably isn’t. Rich Kid Smart Kid can bridge that gap.

When women are empowered with money, they become “difference makers.” They transform not only their own lives but also those of their children, their families, and their communities at large. Author Meriflor Toneatto, an award-winning leadership and coaching executive, shows you how to extend your limits and create the life of your dreams, one that is rich and fulfilling in every way — financially, spiritually, and emotionally. This powerful book explains how money is “emotional currency” and prescribes eight Holistic Principles that help you overcome deep-seated blocks, “pay forward” your own successes, and live the life of your dreams.

Linette Retief, bekroonde advertensie kopieskrywer, steek haar trots in haar sak en betree die wêreld van skuldberading. Sy maak ook nadere kennis met twee-minuut noedels … ’n Aksie-avontuur waar Linette as enkelma-verbruiker haar vrou moet staan teen verbruikerslandmyne. Dié verhaal van hoe sy in die skuld beland het en hoe sy stadig maar seker weer besig is om daar uit te ontsnap sal lesers nie net vermaak nie, maar is ook prakties en vol nuttige wenke

You’re never too young to learn the language of money… and the lessons that rich dad taught Robert. Like it or not, money is a part of our everyday lives and the more we understand it, the better the chance that we can learn to have our money work hard for us—instead of working hard for money all our lives. That starts with learning the language of money.This book, created from the international bestseller Rich Dad Poor Dad, shares Robert’s inspiring person story but teaches how to make smart choices. Packed with straight talk, sidebars, and quizzes, this book will jumpstart a child’s personal and financial success by teaching: How to speak the language of money, ways to make money work for you, tips for success (including: “Work to learn, not to earn.”), and why games can help you understand money, investing, and ways to choose your best path to financial freedom.

Once, Tammy Strobel and her husband were living a normal middle-class lifestyle: driving two cars, commuting long distances, and living well beyond their means. Now they are living the voluntary downsizing; or smart-sizing; dream. In this book Strobel combines research on well-being with numerous real-world examples to offer practical inspiration. Her fresh take on our things, our work, and our relationships spells out micro-actions that anyone can take to step into a life that’s more conscious and connected, sustainable and sustaining, heartfelt and happy.

Doing well with money isn’t necessarily about what you know. It’s about how you behave. And behavior is hard to teach, even to really smart people. Money—investing, personal finance, and business decisions—is typically taught as a math-based field, where data and formulas tell us exactly what to do. But in the real world people don’t make financial decisions on a spreadsheet. They make them at the dinner table, or in a meeting room, where personal history, your own unique view of the world, ego, pride, marketing, and odd incentives are scrambled together. In The Psychology of Money, award-winning author Morgan Housel shares 19 short stories exploring the strange ways people think about money and teaches you how to make better sense of one of life’s most important topics.

Графические модели (паттерны) – это основание большинства торговых методов, используемых на финансовых рынках акций, фьючерсов или FOREX. Книга является продолжением предыдущей книги автора «Полная энциклопедия графических, ценовых моделей» и представляет собой дальнейшее развитие торговых методов на основе статистической эффективности часто возникающих на финансовых рынках графических паттерн. Наиболее наглядны и широко известны среди них – это «голова и плечи» или «двойное дно/вершина», которые, однако, далеко не исчерпывают существующую методологию технического графического анализа. Автор глубоко проникает в суть каждой модели и дает существенную информацию о том, насколько хороша или плоха конкретная ценовая формация. Вы когда-нибудь задумывались, какое влияние оказывает общий рынок на эффективность? А как насчет рыночной капитализации? Должны ли вы действительно волноваться, когда во время прорыва возникает гэп? Насколько важен высокий объем прорыва? В этой книге подробно изложены ответы на эти вопросы и многое другое, но важно то, что она представляет собой простую в использовании систему, которая отделяет графические ценовые модели-полукровки от чистокровных, неработающие паттерны от профессиональных образцов. Это дает вам знания для успешной торговли акциями по графическим ценовым моделям. Книга нацелена на широкую аудиторию и будет полезна всем финансистам, разработчикам торговых систем и систем технического анализа, а также частным инвесторам и валютным спекулянтам, самостоятельно выходящим на мировые валютные рынки и рынки акций и фьючерсов.

Эта книга – практическое пособие для начинающих финансовых советников. Вы начинающий финансовый советник или финансовый консультант, который ищет практические инструменты для улучшения своего бизнеса? Эта книга для вас. Если вы пришли в консалтинг и не знаете что нужно делать в первую очередь, то книга поможет начать и шаг за шагом приведет к конкретным действиям. Все что рассказано в книге – опыт проб и ошибок самого автора, 28 практических советов и личный опыт работы. Используйте изложенные в книге методы и вы гарантированно улучшите свои позиции на рынке услуг финансового консалтинга.

When dealing with the CRA, it is advantageous for you to be informed and vigilant of the situation and of all your options. It is important to remember that CRA agents work solely for the CRA; they will not look out for your best interests. By reading Tax Survival for Canadians, you will learn to protect your interests during an audit, how to ask the right questions, and how to utilize the tax laws to work in your favour.

Written for investors who are retired or planning to retire, Peace of Mind Investing offers a simple and effective approach to investing and managing risk. In addition, the book seeks to dispel commonly held myths and misconceptions about investing that tend to cause mistakes in judgment and reduce investor returns.

Are you a Canadian who spends your winters in the southern United States, or occasionally conducts work in the US? Many Canadians do not know that they need a work visa to legally conduct business during their stay in the United States. Even more worrisome is that they don’t know that they may be required to file taxes with the IRS. This law also applies to those telecommuting from the US for Canadian businesses. The consequences of declining to pay taxes or not obtaining a work visa can be severe. One could end up being declared an illegal immigrant and being deported!

Young people’s financial futures seem bleak: The cost of education is increasing, credit card debt is rising, and many job markets are shrinking. Yet young people are still driven to make it on their own, and to do so, they need to be smart with their money. But does anyone really teach the financial skills necessary to get ahead in life? No More Mac 'n' Cheese! covers the successful transition from family home to first apartment; how to save for future goals such as a car, marriage, mortgage, and retirement; what to do about employment benefit plans, budgeting, investing, and debt control; and many more topics that so many people have had to learn the hard way. Whether you are graduating from high school or university or simply trying to make it on your own for the first time, this book is for you. Written by a veteran financial advisor, No More Mac 'n' Cheese! is a guide for today's young adults who are looking to be financially independent without having to eat cheap noodles for every meal. In addition to many examples and resources throughout the book, a download kit is included with supplemental tools for a simple start to financial planning basics – lessons that will last a lifetime.

Рассматриваются теоретические положения создания системы бюджетирования на предприятиях различного профиля и предлагается технология составления скоординированного по всем показателям плана работы предприятия с учетом ресурсных ограничений на базе разработанного программно-методического комплекса КИС: Бюджетирование. Для студентов высших учебных заведений, а также практических работников. CD прилагается только к печатному изданию.

Рассматриваются вопросы организации бюджетного процесса в современных условиях развития финансово-кредитной системы Российской Федерации, казначейское исполнение доходов и расходов бюджета, изменения в бюджетном учете, особенности исполнения федеральных целевых программ, организация ведения Реестра государственных контрактов. Особое внимание уделяется освещению современной автоматизированной системы в органах Федерального казначейства, организации электронного документооборота, а также защите информации в процессе исполнения бюджета в Российской Федерации. Для студентов, аспирантов, преподавателей экономических вузов, а также руководителей и специалистов казначейских органов Российской Федерации.

See eriline investeerimisraamat sai alguse puhtalt isiklikust taipamisest ja väga haavatavast hetkest, mil lapsega kahekesi elades ja ettevõtjana läbipõlenuna tuli selge arusaam, et ma olen hädas. Üks asi, mis mind aitas, oli investeerimine. Kitsamalt ja tehnilisemalt vaadatuna. Laiemas plaanis aitas mind oma sõltuva olukorra sügavam mõistmine ja rahaasjade (ja elu) eest täie vastutuse võtmine. See on inspireeriv ja aus raamat rahast. Tabust, mille teemal on paaridel kõige rohkem tülisid. Leiad siit emotsionaalseid lugusid ja ka komistuskive ning oma nahal läbi proovitud soovitusi. Ja lõpuks on see investeerimisraamat sellest, et asi pole ainult rahas. See on raamat sellest, kuidas saada sõltumatuks naiseks. Alguses emotsionaalselt ja pisitasa üha enam materiaalselt ka. See raamat muudab sinu elu. Kuidas sa mõtled. Oma raha ja päeva korraldad. Kellega läbi käid ja kuidas end oma elus tunned. Sul on rohkem valikuid ja vähem sundkäike. Merit Raju Teen juba 13 aastat tööd, mis on ühtlasi mu elustiil, kirg ja missioon. Nimetan end elustiili disaineriks: õitsen ise ja aitan ka teistel õide puhkeda. Olgu teemaks tervis, töised valikud, ettevõtlus, heaolu või raha. Seda peegeldavad mu raamatud ja Hingele Pai ajakirjad, juba üksteist korda toimunud joogafestivalid, uus konverents, töötoad, vebinarid, erakohtumised ja hingelepai.ee veebiportaal. Hariduselt olen Tallinna Tehnikaülikooli majandusteaduskonna bakalaureus ja Hamburgi Ülikooli ärimagister. Õppinud ja töötanud olen lisaks Eestile veel neljas riigis: Soomes, Saksamaal, Belgias, Austraalias, kokku üle kolme aasta. Juba seitse aastat on mul olnud au olla ema. Ja elujanu ja elurõõm – need käivad minuga pidevalt kaasas.

Become financially literate by learning: how to think about money and make decisions from 15 key concepts, how to translate financial principals into simple procedures, how to map out your financial future, a simple investing procedure every investor shou

"It's no secret that the U.S. national debt is in the tens of trillions. But did you know that America also has future unfunded obligations of over $118 trillion? Unfortunately, America's politicians have no plan to solve our mounting fiscal and monetary crisis.  But you don't have to watch this unfold in fear of your financial future.  The time for debate is over… It's time to prepare! In this revised and expanded release of Bankruptcy of Our Nation, Jerry Robinson offers you the ultimate financial survival guide. Robinson, an Austrian economist, columnist, and radio host, is featured weekly on Worldnetdaily.com, quoted by USA Today, has appeared on Fox News, and has written columns for Townhall and FinancialSense. Allow him to guide you with details of the 21 income streams you can create now and in retirement Specific ways to inflation-proof your investment portfolio using the P.A.C.E. (Precious Metals, Agriculture, Commodities, and Energy) Method How to create a diversified six-month liquid savings reserve that uses stable foreign currencies and precious metals.  And the 5 Levels of Financial Freedom that Jerry has personally used to build true wealth and create complete financial security. You can survive this economic crisis, but you can't wait. It’s time to take action. Let this book show you how to become a better investor and create multiple streams of income."

There are “financial experts” who advise people to take out their credits cards and cut them up. And that may be a good plan for someone who is financially irresponsible, it’s not great advice for someone who wants to build wealth and become financially free. Cutting up your credit cards won’t make you rich; learning to leverage and manage debt will.If a person has a solid financial education they will know that there are two kinds of debt: good debt and bad debt. A person who understands debt will know how to use good debt to make them richer faster. And when we take control and learn to manage bad debt, seeing it for what it is and understanding the toll it can take if abused, we are on the road to financial freedom.Learn how to make your money work hard for you… instead of you working hard for money all your life. Understanding debt and how to use and leverage it is an important first step.

Wanting anything in life will take time and dedication. This journal, “A New Relationship to Money in 100 Days” takes you through a process that has been used for generations to create wealth and sustained success. Each day the ready is asked a specific set of questions and given an activity. Reading and writing won’t be enough to achieve your dreams. You have to go out and do something about it. The questions in this journal will have you work through big ideas like character development and budgeting, piece by piece. The activities will allow you to practice the muscle without you ever knowing it. The basic principles in this journal can be used for any endeavor, and for most, being able to afford the things you want is usually the first hurdle. So start at Day 1 and see where your life and this journal will take you.

In The Meaningful Money Handbook, personal finance expert and podcaster extraordinaire Pete Matthew guides you through everything you need to KNOW and everything you need to DO to build a secure financial future for yourself and your family. This is achievable for everyone by following three simple steps: 1. Spend less than you earn and clear debt. 2. Insure against disaster. 3. Build up your savings and invest wisely. You will learn: • How to get out of debt as quickly as possible. • Techniques for good financial control, so you can avoid getting into debt again. • The importance of insurance for laying down a foundation on which to build a solid financial plan, which isn’t washed away by an unexpected disaster. • How to save and invest simply and efficiently so that you can work your way towards future financial freedom. No matter your starting position, or your existing level of comfort with dealing with your money, Pete Matthew’s calm, straightforward and jargon-free approach will appeal to you and help you to set out on the right path. The Meaningful Money Handbook is a practical guide to succeeding with money by cutting out the stuff you don’t need to know, and clarifying the essential things you need to do, to make a real difference to your life. Don’t put it off any longer – pick up this book and start to take a meaningful approach to your money today.

At least 40 percent of all new marriages today will end in divorce. The financial consequences of divorce can be traumatic. Many people who get divorced are left with little money, no income, and no credit rating. In some cases, if one partner looked after all the family’s finances, the other partner is left unprepared and overwhelmed by the financial consequences of divorce. Divorce Dollars is a complete guide to financial planning, demonstrating in a step-by-step manner how to overcome the financial challenges of divorce and lead a financially healthy life. The book addresses everything from dividing the assets to retirement planning. By using examples of real people, Akeela Davis demonstrates how everyone can handle the financial challenges of divorce using careful planning and money smarts.

A step by step guide to buying your dream home NOW without a mortgage using the rent-to-own method while rebuilding your credit. The entire rent-to-own process is covered explaining key fundamentals including:

– How to find your dream home NOW
– How you can save thousands of dollars on your purchase
– Dozens of ideas to help you rebuild your credit along the way
– How to keep from making costly mistakes
– Understanding the paperwork
– Pitfalls to avoid
– How to Make an offer and handle negotiations
– How to qualify for financing of the final purchase
– Numerous tips to make sure things go smoothly
– Ways to add peace of mind/reduce stress during the process

Art Smart is a comprehensive guide to the Canadian art market for both novice and experienced collectors. It is full of advice that can give anyone the tools to determine the value of a piece of art and to not be intimidated by the often mystifying world of art. This informative and helpful volume covers the inner workings of the art market, from dealer trade secrets to expert strategies on buying and selling through auction houses and online. Art Smart gives the reader the knowledge needed to build a collection for long-term investment value, and also covers tax and estate planning, copyright issues, and charitable donations. It also contains all the latest resources for art research, with useful appendices to guide the art consumer in becoming their own art connoisseur. Art Smart is essential reading if you are curious to know more about how the art market functions and is an excellent resource guide for those already involved.

How Women Make Money is an inspiring collection of profiles, anecdotes, and practical advice and guides that will help women take control of their lives and attain their financial goals. Whether you are starting a new business, growing an established one, supplementing a pension, working for «extras» for the family, or striving to fulfill a lifelong dream, this book will nurture your entrepreneurial spirit and give you the tools you need to achieve success.

Americans are obsessed with gloomy prognostications about the future. Dr. Smith's book, Life Under Pressure, Moving Beyond Financial Meltdown, is an antidote to all of this. He captures, in this book, the belief-ism that any person who trusts in God can move beyond disaster and that God is not out of money in any economic climate.Dr. Smith has helped thousands overcome adverse circumstances, and this book is a practical application to dealing with the times. It is a Biblical financial scholar's approach to money. You will find the 28 Ways You Can Know You're Overextended and all sorts of practical Scriptural advice in dealing with financial chaos. His approach to Bankruptcy and Divorce is worth the price of this book. Dr. Smith is a recognized authority on Biblical Stewardship, and as he did in his bestseller, Exploding the Doomsday Money Myths, Why It's Not Time to Panic, you will find this well written and easy to read book a breath of fresh air.

Con men, swindlers, snake-oil salesmen, carpetbaggers, and plain everyday liars and cheats – these names and the scoundrels behind them have been around for hundreds of years, though their dodges and deceptions have been refined with the passage of time. The worldwide growth of criminal fraud has mushroomed to such a degree that traditional law-enforcement techniques have been unable to cope effectively with the fallout. Criminal fraud is a billion-dollar industry and has become a staple of organized crime rivalling drugs and prostitution as major sources of income. In North America the courts and governments fail to treat these crimes with the seriousness they deserve, often placing the blame on victims, or at the very least making them culpable. Former Calgary police detective and fraud expert Gordon Leek illustrates how a variety of frauds work and how to protect yourself from them, including simple cheque scams, elaborate telemarketing schemes, Internet swindles, and identity theft.

April 2017 marks 20 years since Robert Kiyosaki’s Rich Dad Poor Dad first made waves in the Personal Finance arena.It has since become the #1 Personal Finance book of all time… translated into dozens of languages and sold around the world. Rich Dad Poor Dad is Robert's story of growing up with two dads — his real father and the father of his best friend, his rich dad — and the ways in which both men shaped his thoughts about money and investing. The book explodes the myth that you need to earn a high income to be rich and explains the difference between working for money and having your money work for you. 20 Years… 20/20 Hindsight In the 20th Anniversary Edition of this classic, Robert offers an update on what we’ve seen over the past 20 years related to money, investing, and the global economy. Sidebars throughout the book will take readers “fast forward” — from 1997 to today — as Robert assesses how the principles taught by his rich dad have stood the test of time. In many ways, the messages of Rich Dad Poor Dad, messages that were criticized and challenged two decades ago, are more meaningful, relevant and important today than they were 20 years ago. As always, readers can expect that Robert will be candid, insightful… and continue to rock more than a few boats in his retrospective. Will there be a few surprises? Count on it. Rich Dad Poor Dad… • Explodes the myth that you need to earn a high income to become rich• Challenges the belief that your house is an asset• Shows parents why they can't rely on the school system to teach their kids about money• Defines once and for all an asset and a liability• Teaches you what to teach your kids about money for their future financial success

Whether you want to retire early or you're just trying to accumulate as much wealth as possible before retirement, How to Achieve Wealth for Life is the book which will show you how to do it – using little or none of your own money.

In this book, money expert Ed Chan shows you how to invest in property, and how to create a lifelong self-sustaining wealth creation strategy which will change the way you look at property and finance forever.

To illustrate his simple techniques for achieving sustainable wealth, he provides real stories which will inspire you into action.

Here's a taste of what's inside:
– Common myths about investing
– Why you should never pay off a home loan
– Why the size of your assets matters
– Why rental returns are not important
– How to survive rising interest rates
– A real answer to the nonsense argument of property verses shares
– How to use equity to fund your lifestyle
– Why it's never too late to start

Make the transition from earning a living to retirement living! Learn to live comfortably on what you already have. Create a sound financial plan, step by step. For retired people and for those who will retire soon. Retire successfully on what you already have! Living off savings is much different than living from paycheck to paycheck. It requires a different kind of budget and a different financial plan. Don’t be caught off guard when you make the switch, because financial errors at this time can be costly. Finances After 55 is not a “retire rich” investment book. It’s a practical guide that shows you how to take what you have already saved and manage your money and assets to live a full and successful retired life. When you retire (if you haven’t already), you will need a financial plan that takes into account your changing needs. And you’ll need a lot more than just a budget. The plan should include: an estate plan, a will, a power of attorney, a health-care directive, an end-of-life plan, and insurance With the sound financial planning and budgeting outlined in this book, you can make a successful transition from life with a paycheck to a life with savings..

Еще несколько лет назад руководители многих организаций, чей бизнес генерирует большие объемы операционных данных, сомневались в ценности подхода Big Data. Сегодня те из них, кто продолжает сомневаться, упускают непрерывно растущие возможности этого подхода, повышая риск потери доли рынка и перехода в разряд отстающих и устаревающих. Но с чего начать, если вы хотите вывести свою организацию на новый научно-технологический уровень, к принятию решений с использованием Big Data? Ответ на это дает Билл Фрэнкс, директор по аналитике компании Teradata и преподаватель Международного института аналитики, за плечами которого – более чем 20-летний опыт работы в крупных аналитических проектах реального бизнеса. «Революция в аналитике» – это пошаговое практическое руководство по внедрению операционной аналитики и автоматизации принятия решений. Специалисты по аналитике, ИТ и все, кто хочет сделать свою организацию успешнее на основе подхода Big Data, по достоинству оценят работу Фрэнкса.

Риск присутствует в каждом решении, от выбора карьеры до планирования отпуска. На неожиданных примерах из разных областей автор объясняет, как изучать риски и использовать эти знания. Эллисон Шрагер – экономист, журналист в международной новостной бизнес-организации Quartz, соучредитель консалтинговой фирмы LifeCycle Finance Partners, LLC.Эллисон диверсифицировала свою карьеру, работая в сфере финансов, политики и СМИ. Она руководила разработкой пенсионных продуктов в компании Dimensional Fund Advisors и консультировала международные организации, включая ОЭСР и МВФ.Шрагер регулярно публикуется в журналах Economist, Reuters и Bloomberg Businessweek. Ее статьи печатали в журналах Playboy, Wired, National Review и Foreign Affairs.Она получила степень бакалавра в Эдинбургском университете и степень доктора экономических наук в Колумбийском университете. Преподает в Нью-Йоркском университете и живет в Нью-Йорке.

What exactly do Gary Toth, a 58 year-old owner of a car dealership, and young radiologist Sandra de Souza have in common? To start with, a schedule so busy they have no time to think clearly about their financial future. In the Golden Telescope, they find common ground and a lot less stress.

Looking for a less stressful financial future? You'll find it between the covers of The Golden Telescope – a guide to discovering harmony and financial wellbeing for owner-managers and professionals.