Is it possible that everything you have been told about building wealth is wrong? For decades, typical financial planning has sold itself on perpetuating a fundamental lie-that you can reach prosperity through its methods. But truly prosperous individuals don't follow typical financial planning. They know that most mainstream money advice is not intended to make you wealthy; it is intended to keep you from being poor. Big difference. And like any advice for the masses, it is geared toward the lowest common denominator. Busting the Financial Planning Lies strips away the myths surrounding money and charts a course toward true prosperity. This book is not for everyone-it is for those of you who sense there is a greater truth than what you hear on the typical cable TV money show or financial talk radio program. You want to zig when others zag. Among other things, this book challenges several popular money mantras: Your home is your best investment. Put as much money into your 401(k) as possible. The stock market can make you rich. Make extra payments toward your mortgage. Life insurance is something only beneficial in the event of your death. The time is now to decide whether you want to strategize for comfort or prosperity. This book will not only help you make that decision, but will reveal the atypical ways prosperity-minded people make their money work for them.
The Family Money Farm The CFO Project By: Thomas W. Young “Tom Young lays out a solid approach for all of us. Many authors can write but Tom writes and thinks along with the reader. This is a must read.” - Jody, BOO YAA! MMP “With being a Former Congressman I have met Tom over the year through the people I work with. I have found that he has a great way of thinking about money, how to manage it and shows you that what he says can be mathematically proven. He is a man that can make anyone understand the way you can make your money work better for you. He is someone that is above the rest and I feel that this book will be a great read and will help anyone get ahead in their life if they just listen and do what he tells them to do.” -The Honorable Bob McEwen
(Chinese-English Edition) Is it possible that everything you have been told about retirement planning is wrong? Is retirement dead? Perhaps not yet, but it's on life support. The concept of retirement, as we've known it, is becoming a thing of the past. With the major economic, social, cultural, medical, technological, and employment shifts that have occurred in the past two decades, most everyone under the age of 100 now has to rethink what they thought "retirement" would be. Furthermore, the various "financial planning" industries are still looking at retirement through the lens of the 20th century, resulting in products, services, and advice that can actually reduce your chances for comfort in your later years. Busting the Retirement Lies will challenge and transform your perspective on retirement, revealing: Why the idea of retirement is fundamentally flawed Why "saving enough" is not enough How financial planners skew projections, creating false expectations Real-life role models who have created retirement alternatives And most of all, regardless of your age, what you can do to live fully and love the rest of your life.
"Live Your Life Insurance" shows you exactly how you can take advantage of one of the most common, but misunderstood, financial tools. In it, you'll discover exactly how you can use your life insurance to benefit you while you are alive - and help you build financial security. In addition, it will reveal ways to make the best of your policy no matter what age you are. Most people don't realize what a powerful tool they have in their life insurance policies - this book will be your guide.
Your bundle of joy comes with a bundle of financial considerations -- everything from managing the mortgage on one income to paying for your child's education. So from the moment you decide to start a family it's worth taking the important step of getting financially fit for parenthood. Mother-of-four and personal finance journalist Nicola Field takes parents and parents-to-be on a step-by-step journey that covers every aspect of funding a family. Baby or Bust tackles the key issues faced by parents today, including: deciding when to have children managing the extra costs living well on one income taking parental leave working out which government benefits you are entitled to saving for your child's education. With lots of easy-to-follow tips and plenty of good, sound money advice, this entertaining and informative book is a must-read for anyone about to start a family. You may not be able to stop the baby from waking at 3 am but at least you won't be lying awake worrying about the family finances!
When readers want financial advice (and who doesn’t these days?), they turn to experts such as Russ Crosson, CEO of Ron Blue & Co., the highly successful Christian-based financial planning advisory firm. In this important book, Russ teams up with gifted communicator Kelly Talamo to offer readers the truth about popular money lies that influence the spending decisions of millions of Americans. Through the use of everyday stories about men and women who wrestle with spending decisions everyone faces, the authors expose the lies involved and give truth principles based on the Bible to refute the lies. Common lies include: 10 percent is God’s, 90 percent is mine I can’t afford to give My security is in my investments My talents and abilities produce my wealth The harder I work, the more money I make Readers will be better equipped to manage money, make informed financial decisions, and use their money wisely as they replace the common money lies they’ve been taught with the truth of the Bible.
Business success depends on the ability to build trust. Trusted brands succeed and sustain. Trusted leaders inspire followers, grow companies, revenues and futures. But sadly, deceit has infected business and become widespread. Far too many leaders now use their own "alternative facts", to mislead and misinform their customers, colleagues and communities. The skilfulness and ease with which some leaders now lie has become a Lie-Ability. And when customers stop trusting the products, services or the stories a leader tells, then the business suffers. If business leaders don’t lead a truth renaissance, we are all lost. People no longer trust politicians or the media. And many of the institutions and professions we used to turn to have also lost trust. The only people that can really save us now are business leaders. We need to become truth advocates and activists. We must re-establish a new norm where we tell the truth to ourselves, to our employees, to our shareholders, to our customers and to society at large. This book explores the 7 Deadly Lies that business tells itself, the 7 Dark Arts of Deception that are still used with monotonous regularity to manipulate the narrative. It offers C-suite leaders and senior managers a clear path out of deceit. It provides a solution to the Lie-Ability of some leaders by developing a deeper understanding of truth, how to reclaim it and how to build back trust.
Both a literary magazine and a chronicle of girl culture, Bust was born in 1993. With contributors who are funny, fierce, and too smart to be anything but feminist, Bust is the original grrrl zine, with a base of loyal female fans--all those women who know that Glamour is garbage, Vogue is vapid, and Cosmo is clueless.The Bust Guide to the New Girl Order contains brand new, funny, sharp, trenchant essays along with some of the best writings from the magazine: Courtney Love's (unsolicited) piece on Bad Girls; the already immortal "Dont's For Boys"; an interview with girl-hero Judy Blume; and lots of other shocking, titillating, truthful articles. A kind of Our Bodies, Ourselves for Generation XX, The Bust Guide to the New Girl Order is destined to become required reading for today's hip urban girl and her admirers.
I spent 30 years of my life, 1977-2008, working in financial services - either for Wall Street or self-employed as a mortgage banker with 300+ employees in 39 states! In the 70''s when I graduated from high school and college, the country was besieged with protests over the war in Viet Nam and those protests tore the fabric of our society. My best friend from age 11 to 19 joined the Navy and became a SEAL. Each time he came home on leave and in the years after he left the Navy, I heard bits and pieces of some of the things he had to do and my heart bled. We also had the shootings at Kent State and the Watergate scandal under President Nixon. The country was ripped apart, much like the past 3 1/2 years, by social and political conflicts, riots and demonstrations. A pervasive air of racial strife persisted, caused by the shooting of Martin Luther King. Not surprisingly, a schism formed in the country just as the leading edge of the baby boom generation was becoming adults. It seemed that my generation transformed into "hippies / flower children, labels analogous today with progressives / socialists / Occupy Wall Street protestors. Others became conservatives. That first group was the epitome of "sex, drugs and rock and roll" even into adulthood while the second group seemed mostly to grow past that stage and become business leaders / self-employed entrepreneurs / conservatives. In Skullduggery, I make the case that it was the 60''s and early 70''s that caused the majority of 76,000,000 baby boomers to evolve into Democrats or Republicans. At my 20th, 30th and 40th year high school reunions, talking to my friends that were in both of those groups, I estimate that ~90% of the hippies are liberals today and ~90% of the others are conservatives. The exceptions are rare. The point of bringing this up is that eventually the country returned to more peaceful times: the Viet Nam conflict ended, Nixon resigned in disgrace and the wounds from Kent State healed. Today, in 2012, the country is again just as torn as it has was in the 1970''s due once again to Middle East wars, the Great Recession of 2007 - 2012, President Obama''s constant and incendiary rhetoric, incessant politicking over race, ObamaCare, divisive dialogue of the haves and have-nots, his infamous campaign gaffe to Joe the Plumber, spread the wealth around, the 99% vs the Top 1% (class warfare), millionaires and billionaires and his war with big business. So much for Hope and Change, Change We Can Believe In and my favorite the first post-racial president. To the contrary, the United States of America is as unsettled, divided and angry as I have seen it since the 1960''s and the early 1970''s. The big questions are easy ones: Why? and What caused this return to the anger and the hostilities of the 60''s and 70''s? Since I am part of the baby boom generation and was very much a participant in both the professions of Wall Street and mortgage banking, I am in a unique position to tell you about what I saw and heard up close and personal in the 1960''s - 1970''s AND about the decade that led up to what culminated in the Great Recession of 2007-2012 that we are still clawing our way out of. Here are a few things that might surprise you, further discussed in this book: 1. The overwhelming majority of Greedy Wall Streeters and Fat Cat Bankers are massive and consistent donors to liberal Democrats, even in 2012 in the face of Obama''s persistent (and false) accusations of casting them as the fat cat bankers and greedy Wall Streeters as causing the recession! 2. The senior most executives in these companies pilloried by President Obama, gave upwards of 60% of total donations, over $20M, to Obama''s 2008 presidential campaign and his Political Action Committees into 2009. 3. The earliest beginnings of the current Financial Crisis started back in the late 1970''s. 4. Some of the names that were catalysts of the Financial Crisis are very well known activists, anarchists, life-long socialists, present and former D.C. politicians and three very well known U.S. presidents. 5. And, just in case you have not done your research or taken the time to trace the trail of bread crumbs back to the source... you need to know the irrefutable reality that: The Subprime Mortgage Crisis = The Financial Crisis of 2007 - 2012 6. From the very beginnings of The Financial Crisis in the fall of 2007, the media referred to this as The Subprime Mortgage Crisis, until they didn''t. Why did they change the name, the label if you will, of the meltdown of the U.S. economy that soon infected the balance sheets of many foreign banks, other countries, even a small village in Norway? Because the powers that be, that have the media in their pocket, told the media that calling it the Subprime Mortgage Crisis was too close to home... too close to reality... too easily focused in on the exact manipulations that lead back to the beginnings of what became a global financial debacle. So, the media started referring to the meltdown as The Financial Crisis or The Great Recession and took the spotlight off the root cause, subprime mortgages, created by liberal President Jimmy Carter and then crammed down our throats by activist Chicago attorney Barack Obama and progressive President Bill Clinton. Your mission, if you choose to accept it and don''t want all this to happen again, or if you are just Mad As Hell and Not Going To Take it Anymore, is to take a journey of discovery back to the era that created what came to be known as subprime mortgages. You must understand the people and their rationales that took on a life of its own in throwing out the common sense rules and regulations that mortgage lending institutions (banks, credit unions, savings and loans, etc.) had used since records were kept starting in the 1940''s, that had kept mortgage defaults under 2% for 60 years but exploded to 14% from 2008 to 2010. (A mortgage in default is when a homeowner is 90 days or more in arrears.) Clearly, unequivocally, a 600% increase in defaults in less than 2 years didn''t arise overnight nor was it caused by a free market economy! Rather, it is the result of gross manipulation of free markets by ideologues that resulted in the worst, by far, financial crisis since The Great Depression, and it could have been avoided!
The past decade has been one of the most volatile periods in global petroleum markets in living memory, and future oil supply security and price levels remain highly uncertain. This poses many questions for the professional activities of planners and urbanists because contemporary cities are highly dependent on petroleum as a transport fuel. How will oil dependent cities respond, and adapt to, the changing pattern of petroleum supplies? What key strategies should planners and policy makers implement in petroleum vulnerable cities to address the challenges of moving beyond oil? How might a shift away from petroleum provide opportunities to improve or remake cities for the economic, social and environmental imperatives of twenty-first-century sustainability? Such questions are the focus of contributors to this book with perspectives ranging across the planning challenge: overarching petroleum futures, governance, transition and climate change questions, the role of various urban transport nodes and household responses, ways of measuring oil vulnerability, and the effects on telecommunications, ports and other urban infrastructure. This comprehensive volume – with contributions from and focusing on cities in Australia, the UK, the US, France, Germany, the Netherlands and South Korea – provides key insights to enable cities to plan for the age beyond petroleum.
True wealth requires more than just a healthy bank account. True Self, True Wealth takes a "holistic" approach to working with money by offering an inspirational and practical guide to developing self-knowledge and spiritual maturity, along with material wealth and financial security. The emerging field of neuroeconomics confirms that our emotions are a primary influence on our economic choices. authors Peter Cole and Daisy reese offer a revolutionary approach to improving your economic status by identifying your own "Money Script" -- a distinctive approach to understanding and working with personal money issues. The ten money scripts teach how to reconstruct a healthy, prosperous relationship to finances that ensures an abundant, secure future for yourself and your family. Inspiring quotes from spiritual teachers and financial gurus, entertaining exercises and illustrative examples, a helpful outline of a financial journey toward security and happiness, as well as practical and comprehensive financial planning for a lifetime provide the tools necessary for traveling the path to true wealth.