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What does it take to get your finances under control? It’s virtually impossible to live without money yet far too often bad money management causes anxiety and stress. Clearing debts and managing your money successfully isn’t complicated, but the biggest difficulty is fear and a lack of confidence. Brilliant Personal Finances gives you the confidence you need to make sensible financial decisions and plan for the future. It explains the jargon and the process of money institutions, credit cards and investments and advises on the best way to save money. Brilliant Personal Finances will show you how you can develop money management habits that help you get the most out of your money. This book will be your very own personal finance workshop to ensure you stay in control of your cash. Brilliant Outcomes Take complete control of your everyday finances Understand the jargon and process of financial institutions Save money and plan your financial future
Sometimes being just ‘good’ just isn’t good enough. Sometimes we all need to be brilliant. In just 90 days, How To Be Brilliant will show you how to change the way you think and behave so that you can embrace every day, every experience and every opportunity with positivity, energy, enthusiasm and inspiration. Michael Heppell, author of the bestselling book Flip It, will introduce you to over 50 amazing tricks, tips and tools that, when properly applied, will move you and your life on to a whole new, exciting level. This is the level where you really shine. It’s the level where you believe anything is possible. And it’s the level where you start living your dreams and becoming the person you always wished you could be. So don’t just be good; learn to be brilliant and discover a better way of being.
Master the tools of NLP and become more effective, more efficient, more powerful and more successful. NLP can provide powerful tools and techniques to help you make positive changes in your life. This book clearly explains how NLP works and includes plenty of exercises to help you put the theory intro practice. This new edition gives you everything you need to know about NLP and how to do it – with more tips, examples, techniques and insights to show how NLP can work for you. Brilliant outcomes: - Understand and master NLP step by step - Discover how to apply NLP to your life, right now - Change your thinking; change your life.
Every aspect of your life can be improved with positive psychology. Positive psychology helps us build resilience, optimism, emotional intelligence, meaning, self-esteem, wisdom, motivation and much more! It wakes us up to the power of feeling good, thinking positively and acting generously. With positive psychology we can be healthier, live longer and feel more fulfilled – there is nothing more important this. Brilliant Positive Psychology reveals the principles and practices of positive psychology, and shows you how you can incorporate them into your life today. Packed with exercises and written specifically to coach you through the building blocks of positive psychology, it will help you to bring out your very best and guide you, step by step, towards a life brimming with happiness and fulfilment. Brilliant outcomes Understand what you can do, right now, to feel better. Learn simple practices to improve your well-being. Discover your strengths and how to use them.
Go from ordinary to extraordinary with 7 essential soft skills. You need Adaptability, Resilience, Optimism, Integrity, Critical thinking, Pro-activity and Empathy to stay one step ahead. Our world is changing - so fast, so furiously, so ferociously - that to stand out at work you need to change what you're doing. And quickly. To get ahead, you need soft skills. To stay ahead you need The Advantage. Just doing your job won’t get you to the top, but what does it take? Soft skills are your secret weapon. These days we’re all working harder and longer, but finding it harder than ever to make an impact and get the results we want. Traditional skills like being a good team player, a solid leader or a brilliant negotiator don’t seem to be as effective anymore. To really stand out, you need to be doing something different, something better. You need The Advantage. In this groundbreaking book, we set the scene for seven new skills that will propel you and your career forward. Through a combination of scientific research, no-nonsense advice, practical exercises and case studies, this book shows you how to understand, develop and use: Adaptability - respond effectively to challenges and grab new opportunities Resilience - learn from experience and attack the next challenge with equal boldness Optimism - be the most positive person you know Integrity - trust, values and honesty are the name of the game now as is authenticity Critical thinking - challenge assumptions and find solutions Pro-activity - thinking and acting ahead Empathy - respect and nurture your relationships STAY AHEAD OF THE COMPETITION.
WHEN IT COMES TO INVESTING FOR YOUR FUTURE, THERE'S ONLY ONE SURE BET—ASSET ALLOCATION THE EASY WAY TO GET STARTED Everything You Need to Know About How To: Implement a smart asset allocation strategy Diversify your investments with stocks, bonds,real estate, and other classes Change your allocation and lock in gains Trying to outwit the market is a bad gamble. If you're serious about investing for the long run, you have to take a no-nonsense, businesslike approach to your portfolio. In addition to covering all the basics, this new edition of All About Asset Allocation includes timely advice on: Learning which investments work well together and why Selecting the right mutual funds and ETFs Creating an asset allocation that’s right for your needs Knowing how and when to change an allocation Understanding target-date mutual funds "All About Asset Allocation offers advice that is both prudent and practical--keep it simple, diversify, and, above all, keep your expenses low--from an author who both knows how vital asset allocation is to investment success and, most important, works with real people." -- John C. Bogle, founder and former CEO, The Vanguard Group "With All About Asset Allocation at your side, you'll be executing a sound investment plan, using the best materials and wearing the best safety rope that money can buy." -- William Bernstein, founder and author, The Intelligent Asset Allocator
Between 1888 and 1930, African Americans opened more than a hundred banks and thousands of other financial institutions. In Banking on Freedom, Shennette Garrett-Scott explores this rich period of black financial innovation and its transformative impact on U.S. capitalism through the story of the St. Luke Bank in Richmond, Virginia: the first and only bank run by black women. Banking on Freedom offers an unparalleled account of how black women carved out economic, social, and political power in contexts shaped by sexism, white supremacy, and capitalist exploitation. Garrett-Scott chronicles both the bank’s success and the challenges this success wrought, including extralegal violence and aggressive oversight from state actors who saw black economic autonomy as a threat to both democratic capitalism and the social order. The teller cage and boardroom became sites of activism and resistance as the leadership of president Maggie Lena Walker and other women board members kept the bank grounded in meeting the needs of working-class black women. The first book to center black women’s engagement with the elite sectors of banking, finance, and insurance, Banking on Freedom reveals the ways gender, race, and class shaped the meanings of wealth and risk in U.S. capitalism and society.
"In the dark, bewildering, trap-infested jungle of misinformation and opaque riddles that is the world of investment, JL Collins is the fatherly wizard on the side of the path, offering a simple map, warm words of encouragement and the tools to forge your way through with confidence. You'll never find a wiser advisor with a bigger heart." -- Malachi Rempen: Filmmaker, cartoonist, author and self-described ruffian This book grew out of a series of letters to my daughter concerning various things-mostly about money and investing-she was not yet quite ready to hear. Since money is the single most powerful tool we have for navigating this complex world we've created, understanding it is critical. "But Dad," she once said, "I know money is important. I just don't want to spend my life thinking about it." This was eye-opening. I love this stuff. But most people have better things to do with their precious time. Bridges to build, diseases to cure, treaties to negotiate, mountains to climb, technologies to create, children to teach, businesses to run. Unfortunately, benign neglect of things financial leaves you open to the charlatans of the financial world. The people who make investing endlessly complex, because if it can be made complex it becomes more profitable for them, more expensive for us, and we are forced into their waiting arms. Here's an important truth: Complex investments exist only to profit those who create and sell them. Not only are they more costly to the investor, they are less effective. The simple approach I created for her and present now to you, is not only easy to understand and implement, it is more powerful than any other. Together we'll explore: Debt: Why you must avoid it and what to do if you have it. The importance of having F-you Money. How to think about money, and the unique way understanding this is key to building your wealth. Where traditional investing advice goes wrong and what actually works. What the stock market really is and how it really works. Why the stock market always goes up and why most people still lose money investing in it. How to invest in a raging bull, or bear, market. Specific investments to implement these strategies. The Wealth Building and Wealth Preservation phases of your investing life and why they are not always tied to your age. How your asset allocation is tied to those phases and how to choose it. How to simplify the sometimes confusing world of 401(k), 403(b), TSP, IRA and Roth accounts. TRFs (Target Retirement Funds), HSAs (Health Savings Accounts) and RMDs (Required Minimum Distributions). What investment firm to use and why the one I recommend is so far superior to the competition. Why you should be very cautious when engaging an investment advisor and whether you need to at all. Why and how you can be conned, and how to avoid becoming prey. Why I don't recommend dollar cost averaging. What financial independence looks like and how to have your money support you. What the 4% rule is and how to use it to safely spend your wealth. The truth behind Social Security. A Case Study on how this all can be implemented in real life. Enjoy the read, and the journey!
The reach of Corporations into our lives via cards and apps has never been greater; many of us rarely use cash these days. But what we’re told is a natural and inevitable move is actually the work of powerful interests. And the great battle of our time is the battle for ownership of the digital footprints that make up our lives. In Cloudmoney, Brett Scott tells an urgent and revelatory story about how the fusion of Big Finance and Big Tech requires “cloudmoney”—digital money underpinned by the banking sector—to replace physical cash. He dives beneath the surface of the global financial system to uncover a long-established lobbying infrastructure: an alliance of partners waging a covert war on cash. He explains the technical, political, and cultural differences between our various forms of money and shows how the cash system has been under attack for decades, as banking and tech companies promote a cashless society under the banner of progress. Cloudmoney takes us to the front lines of a war for our wallets that is also about our freedom, from marketing strategies against cash to the weaponization of COVID-19 to push fintech platforms, and from there to the rise of the cryptocurrency rebels and fringe groups pushing back. It asks the most pressing questions: Who benefits from a cashless society and who gets left behind? Is the end of cash the end of true privacy? And is our cloudmoney future closer than we think it is?
Hogan shows that God's way of managing money really works. Millionaire status doesn't require inheriting a bunch of money or having a high-paying job. The path to becoming a millionaire is paved with tools that you either already have or that you can learn. Take personal responsibility; practice intentionality; be goal-oriented, a hard worker; and be consistent. If you adopt this mindset, you, too, can become a millionaire. -- adapted from foreword and introduction