Create and Protect Your Wealth with Accessible Strategies for Everyone — EverywhereUnlock the Secrets of Taking Control Over Your Financial Future, Enhanced Quality of Life and Fulfillment of Dreams. As you as an individual are faced with financial uncertainty and rapid economic shifts, The Swiss Wealth Creation by Reto Winkler and Gisbert Reuter stands as a beacon of trust and innovation.This comprehensive guide dives deep into the time-tested strategies of Swiss banking, offering you an unparalleled look at how to safeguard and grow your wealth, even in the most volatile of times. Discover the unique approach that has made Switzerland a global leader in asset management, where 35% of the world's private and institutional assets are entrusted. Reto and „Gisi“ unveil a system that not only hedges against inflation but also empowers you personally to take control of your financial future.From understanding the power of cash reserves and the stability of gold to exploring the potential of strategic metals and real estate, this book covers it all. Whether you're a novice investor or a seasoned pro, you'll find actionable insights and practical advice to enhance your investment portfolio. This book is more than just a guide to investment; it's a call to reclaim your financial freedom.In a noisy world where data privacy is eroding and economic policies often benefit the few, The Swiss Wealth Creation equips you with the knowledge and confidence to navigate these challenges and build a secure, prosperous future. With exclusive access to guided investor type worksheets and bonus materials, your journey to financial independence starts here. Embrace the Swiss principles of trust and quality, and learn how to create a better earth through wise investment.While there are various strategies for hedging against inflation, a common approach is to invest in assets that tend to perform well during periods of inflation, such as real estate, commodities like gold or oil, and inflation-protected securities like Treasury Inflation-Protected Securities (TIPS). These assets have historically shown the potential to retain or increase their value as inflation rises.This book will show you several ways to use these strategies even if you have NEVER invested a dime, and even if you have lost a lot of money on bad decisions in your past.Even if you have made a million mistakes, this book will help you through tough times and you will find it easy to achieve results! But there is more to it than a few common procedures or best practices. As you probably know, the Swiss did not invent banking, nor did they rethink it.The Swiss have enriched the banking industry with a unique trait that has always been known across borders.35% of the world’s private and institutional assets are managed in Switzerland.And that’s what this book is about: Trust! Read more

READY FOR MORE MONEY THAN YOU KNOW WHAT TO DO WITH? For too long, the subject of money has been shrouded in fear, secrecy, and anxiety. It’s time to look behind the curtain at money, while stepping into the empowered financial reality that is available to you. Reading Rich As F*ck is sure to ignite an avalanche of change in the most important areas of your life. Once you finally see money for what it is and realize your power over your finances, life will never be the same. It’s time you know the truth about money. It’s time for you to have more money than you know what to do with. This is your blueprint. Whether you experience debilitating anxiety when thinking about your bills, are buried by debt, feel guilty for wanting more than you have, are stuck in a feast-or-famine cycle, if money has always been the problem for you and never a solution, or if you are simply seeking the next steps on your path of financial growth, this revolutionary book holds your answers. In Rich As F*ck, Amanda Frances demystifies the topic of money, cracking the code of financial liberation and abundance. Her magnetic words will open your heart and mind and help you see the truth about how money actually works. Read more

The yield curve is now as widely followed by the financial press as movie stars are followed by paparazzi. The tabloids often comment on any noticeable changes in the physical features of the celebrities they stalk. Similarly, the financial paparazzi are obsessed with the shape of the yield curve.The spread between the “long end” and the “short end” of the curve is widely deemed to be a great leading indicator of recessions when it goes negative. Such yield “inversions” do have a good track record of occurring several months before the start of recessions.In this Topical Study, Edward Yardeni and Melissa Tagg explain that the yield curve neither predicts nor causes recessions. Instead, it predicts the monetary policy course likely to be pursued by the Federal Reserve. Among the topics covered are:1. The relationship of the business cycle to the monetary and credit cycles.2. How the shape of the yield curve anticipates financial crises, and reacts to them.3. The impacts of globalization on the US bond market and the shape of the yield curve.4. How to use the yield curve to predict the Fed’s moves and to anticipate recessions, which are always bearish for stocks.This study includes a “Primer on the Yield Curve,” based on “Dr. Ed’s” book, Predicting the Markets (2018). It also includes several charts useful for gleaning more insights into the relationships of the yield curve to the economy and to financial markets. Read more

A COMPREHENSIVE BEGINNER’S GUIDE TO TREASURY INFLATION-PROTECTED SECURITIESAre you ready to navigate the world of Treasury Inflation-Protected Securities (TIPS) with confidence? Whether you're a seasoned investor seeking to diversify your portfolio or a beginner exploring new investment avenues, Investing in TIPS 101: A Beginner's Guide to Treasury Inflation-Protected Securities is your comprehensive guide to unlocking the potential of TIPS.TIPS offer a unique blend of stability, inflation protection, and potential returns, making them an essential addition to any investment strategy. In this book, we demystify the complexities of TIPS and equip you with the knowledge needed to make informed decisions tailored to your financial goals.What You'll Discover:📈 Investment Principles: Understand the fundamentals of TIPS, how they differ from traditional bonds, and their advantages in combatting inflation.💡 Inflation Insights: Gain insights into the impact of inflation on purchasing power, and learn why TIPS are designed to provide a shield against its erosive effects.📊 Factors Affecting Returns: Explore the dynamic interplay of inflation rates, real yields, and interest rate risk, and how they influence your TIPS investment's performance.🔄 Strategies and Tips: Develop a personalized investment strategy that aligns with your financial goals. Learn how to balance TIPS with other assets, allocate based on risk tolerance, and navigate tax considerations.📅 TIPS in Changing Climates: Prepare for varying economic scenarios by analyzing the role of TIPS in an evolving investment landscape. Gain insights into future trends and their impact on TIPS investments.🌐 Resources and Tools: Access recommended resources for further learning, online calculators, and investment platforms to deepen your understanding of TIPS.Whether you're seeking stability in uncertain times or aiming to safeguard your investments against inflation's eroding effects, Investing in TIPS 101 equips you with the knowledge and strategies to make TIPS an integral part of your financial success. Embark on your TIPS journey today and make informed investment decisions that align with your goals. Read more

Stack Silver Buy Gold For Beginners Are You Looking For A Way To Protect Your Wealth Free From Government And Banks? For those interested in protecting themselves against inflation, hyperinflation or an economic collapse that makes today's currency worthless, stacking silver is the best option. Investing in gold and silver is an excellent way to get that protection. There are plenty of financial experts that are sounding the alarm about the current state of the economy. Those experts are telling people to start investing in silver and gold, rather than the volatile stock market. Stacking silver is one way regular people can save themselves the heartache of losing their hard earned savings in a stock market crash. There are some key points you need to know before you go out and start buying silver and gold pieces. This book will explain why you want to invest in silver and how to go about doing it. Stacking silver is a fun hobby that will quickly become a way of life. You will find yourself checking the change you get from the store and visiting new coin shops in search of silver. You will learn what coins to collect, where to buy the coins and bullion and how to test the silver and gold you do buy. Not all coins or silver pieces are created equal. There are a few old coins you will want to be on the lookout for. You will discover what those coins are in this comprehensive guide. Depending on where you live in the world, your access to silver coins and gold bullion will vary. You will discover all the available options and what you should be buying. Don't put off learning about silver and gold investing another day. Now is the time to start securing your future by stacking silver. Here's a preview of what you'll learn with this fully illustrated book; Learn Why Silver And Gold Is Such A Great Investment For The Novice InvestorLearn The Pros And Cons Of Investing In Silver Compared To GoldLearn How Decide Wheather To Invest In Coins, Rounds Or BullionLearn What To Look Out For When Investing In Old American, Australian And British Silver Coins Learn Where To Find The Best Deals On Gold And SilverLearn How To Check The Purity Of Your Gold And SilverMuch, Much More Readers say....... "This book will walk you through the principles and concept of silver and gold investing. It discusses the importance and the huge benefits of investing in precious metals such as silver and gold. It provides excellent tips, including the pros and cons, tips in checking the purity of these precious metals and brilliant tips in finding the best deals"................Thomas "Good, solid information to get a person started. He briefly describes WHY the reader might want to get into gold and silver, as well as how to begin regardless of the amount of money you have to start with. He is brief, yet right to the details the reader needs. There is no wasted "fluff" in this book"................ Amazon Customer "There's an ad we see pretty often on television for a local store that buys rare coins, as well as gold and silver. I have even passed by that store and thought "There's the store that that ad is for!" When I saw this book, it reminded me of that shop and made me wonder if they were right about what they advertise. This book clearly tells me they are. It tells you how you can invest in silver, gold, and coins, and make money down the line. It also gives you a number of ideas of places to obtain them if you don't already have them sitting in a box in your closet, in your garage, or wherever. If you're looking to invest in any of those and you're not sure where to start, it is a good idea to take a look at this book"................Penny P Get Your Copy Now! Read more

Discover the future with Crypto Essentials: Understanding the Fundamentals of Cryptocurrencies and Blockchain Technology.Have you ever wondered what all the buzz is about with cryptocurrency?Do you find yourself confused and overwhelmed by the constant chatter around crypto?And are you questioning whether cryptocurrency is a legitimate investment or just a passing fad?If so, you're not alone. A recent survey revealed that 33% of people don’t understand how cryptocurrency works at all, while another 28% understand it a little bit. (Source: The Motley Fool Ascent survey via Pollfish, March 6, 2024)Introducing Crypto Essentials, a series of books that are must-reads for anyone who wants to truly understand this new technology and the opportunities it presents.The first book in this essential series, Understanding the Fundamentals of Cryptocurrencies and Blockchain Technology, is your gateway to mastering the basics and exploring the transformative potential of this new technology.In Crypto Essentials Book One, you will uncover:A clear definition of cryptocurrency, how it works, and how it compares to traditional fiat money.The fundamentals of blockchain technology, including its various types and its integration into our daily lives.An overview of different cryptocurrencies and their specific use cases.Insights into leading cryptocurrencies and the reasons why there are so many coins.Current trends, challenges, and the relationship between the crypto market and the traditional financial system.Don’t miss your chance to get ahead of the curve. Equip yourself with the knowledge to navigate the future of finance. The time to learn about cryptocurrencies and blockchain technology is now! Read more

As a successful Canadian entrepreneur, you've mastered building a business. But now you face a different challenge: how to keep, grow, and protect your wealth from excessive taxation while maintaining the liquidity needed to seize opportunities.In this groundbreaking guide, financial strategists Robert Trasolini and Laurent Munier reveal how Canada's wealthiest families have been quietly multiplying their wealth for over two centuries. They share:The Wealth Multiplier Account™ - A sophisticated yet straightforward strategy that allows your money to grow tax-free while remaining accessible when you need itThe Bullet Fund technique - How to maintain perfect timing in business by having capital ready when others don't, allowing you to seize opportunities while your competitors scramble for financingA proven approach to cut Ottawa out as your "silent partner" - Learn why successful business owners lose up to 50% of their wealth to taxes and how to prevent this drain on your legacyThrough real-world examples, including the story of Dr. Bob—a physician who transformed his financial future—Trasolini and Munier demonstrate how their strategy has helped countless business owners solve the "Champagne Problems™" that come with success.Whether you're looking to expand your business, protect your wealth from taxation, or create a lasting legacy for your family, "Wealth Multiplier" provides the blueprint that Canada's most prosperous families have been using for generations.Don't let your success become a tax burden. Discover how to multiply your wealth while protecting it for generations to come.-------------------------------------------------------------------------------------------------Laurent Munier: In 2011, Laurent founded his fifth company, Safe Pacific Financial, to help Canadians achieve their financial dreams. He’s been living the Canadian dream since immigrating here at 5 years old. His work life started with a paper route in the 3rd grade and he’s been working and building ever since. The “Why” behind launching Safe Pacific is to work with great people, add value to both their business & personal life and demystify the convoluted world of finances so they can focus on being the best at what they do for their families, companies and community. Laurent’s personal work philosophy is simple: Independent, relationship focused, no pressure, no rush. He loves working with like-minded and motivated people who strive for success every day. Laurent gives back to the industry by volunteering his time and expertise on the Vancouver Board of The Financial Advisors Association of Canada where he won Volunteer of the Year award for 2019.Robert Trasolini:Robert was born and raised in Vancouver and began his career as an advisor in 2010. He has since founded Safe Pacific Financial Inc with the mandate to build long-term trust by giving the best advice and service possible to his clients. The company was built on the philosophies of independence, and relationship focus, with no pressure, and no rush.Robert has specialized in working with business owners across Canada. He is most passionate about working with his clients to better understand their financial situations. Robert believes that by uncovering their goals, and the potential challenges they may face, he is able to proficiently help clients achieve their objectives.When Robert is not working he spends time with his wife and three kids. He also enjoys biking the sea wall, playing beach volleyball and enjoying the outdoors. Robert is licensed to serve clients in BC, Alberta and Ontario. Read more

Knowing you buy only important stuff and can’t stop asking yourself where the heck did your money go? You know the best way to get an answer is to make a budget, but where to start? Financial Management for Beginners not only can make you start but finally get ahead and achieve a total money makeover. Experience a life free of financial stress, debts, bills and late payment fees and transform your relationship with money into something stable and pleasant. Gain financial intelligence, peace and freedom. Man or woman, young adult or a elderly person you are - it doesn’t matter. David Stokes’s financial planning books are for anyone regardless of how much your income is we’ll find a way to budget, save, and increase your net worth. This is not a get rich quick book. But if you won’t stop, day-by-day, month-by-month, ask a lot of “How to” questions, you’ll budget better and become richer as a consequence. You can turn a blind eye on your financial problems, but they won’t go away. Start getting financial awareness in your life today so you can live a financially independent future. See how budget guidelines, savings rules and flexible spending change the rest of your life. Follow the tips presented in this financial planning and budgeting guide and get your awaited freedom. This personal budgeting book will provide you with information you are interested and will be needing the most: How to create your financial plan and what to do after How budgeting helps you meet your goals Methods of budgeting for beginners Common motivation for budgeting and how to find your own source How to get over compulsive spending habits Methods for consolidation of credit cards debt and trickling them and much much more! Money management is an essential skill for everybody who earns, shops or consumes. Financial planning is not part of our educational system. It is normal that we don’t know how to live on a budget but it is not normal to stay ignorant about a field of life that guarantees our material survival. Leave money struggles for yesterday. Click the “Buy now” button. Start budgeting today and manage your finance as good as you want it to be. Read more

How we pay is so fundamental that it underpins everything—from trade to taxation, stocks and savings, to salaries, pensions, and pocket money. Rich or poor, criminal, communist, or capitalist, we all rely on the same payments system, day in, day out. It sits between us and not just economic meltdown, but a total breakdown in law and order. Why then do we know so little about how it really works? As you read this, technology is dismantling payment barriers and governments are erecting them; cash is on the way out, and crypto and BigTech are fighting their way in. Europeans are heavily regulated, Americans oddly backward, and the Chinese are hoping to lead the way forward. Challenging our understanding about where financial power really lies, The Pay Off shows us that the most important thing about money is the way we move it. Leibbrandt and De TerÁn shine a light on the hidden workings of the humble payment—and reveal both how our payment habits are determined by history as well as where we go from here. From national customs to warring nation states, geopolitics will shape the future of payments every bit as much as technology. Read more

"How to Save Money" is a complete guide to gaining financial freedom and building up your savings. This book starts by explaining why saving money is important, highlighting benefits like financial safety, less stress, and better life quality. It addresses the challenges people face when trying to save money and provides a clear plan for improving financial habits.The early chapters focus on understanding your financial situation with advice on how to keep track of what you spend, figure out your total assets, and set clear and achievable goals. This prepares you to create a budget that fits your actual financial situation and goals. The book shows different ways to budget and helps you find the best one for you, including tips on handling money shortages and avoiding common budget mistakes.To help you manage your money better, the guide discusses ways to reduce expenses in daily life like utility bills, food, and travel. At the same time, it explores how to increase your income through extra jobs, advancing in your career, and other creative ways. There are detailed strategies for saving, emphasizing the use of automatic savings plans and apps to help prioritize and keep track of savings effectively.Managing debt is thoroughly covered, explaining good and bad debt and detailing effective strategies for paying off debt quickly. For long-term financial health, the book introduces simple investment basics and the importance of spreading out investments and planning for retirement.Protecting your financial future is also crucial, so the book talks about choosing the right insurance, understanding legal documents like wills, and staying safe from scams. There's also a special section on teaching kids about money, providing suitable strategies for different ages to help instill good financial habits early.The book ends with tips on maintaining financial discipline, including regular reviews and updates of your financial plan to respond to life changes. The book is filled with resources and tools, including recommended readings, budgeting tools, and investment platforms to support your journey to financial independence.Whether you're just starting out or looking to refine your financial approach, this book is a valuable tool for anyone looking to improve their financial well-being and achieve a life of financial freedom. Read more

Event management: Plan Events Like a Professional, Impress Your Clients and be Your Own Boss in 12 Simple StepsIn Event Planning, you will finally learn just how to create and manage any successful event, impress your clients and even start your own event planning business, using an easy to follow step by step guide and FREE action plan. Even if you have no prior experience, this book will teach you how to become your own boss and start a creative career in event planning. Download this book today.Event planning is something that most people will eventually be confronted with in their lives – in personal and professional capacities. Sometimes it falls on your plate unexpectedly, when you’re requested by your boss to arrange an “intimate evening” for 100 potential clients, causing you to have a minor panic attack; or you’re put in charge as a best man or maid of honour, and all of a sudden need to throw a bachelor party for 50 people; or you just want your child to have an incredible 10th birthday party. Some of you may even be considering event planning as a profession, and need some building blocks to start on.This book covers all of those bases as a beginner’s guide to event planning. By the time you’re done reading it, you’ll have a great holistic idea of how to approach your event. Otherwise, because the book is broken up into easy-to-follow steps covering each of the main components of event planning, you can also use it as a referral in areas you are uncertain about, or as a refresher when you are trying something new you are unfamiliar with.Included with the steps is a comprehensive checklist for both small and big events, as well as a comprehensive checklist for weddings, which you can use every time you plan an event to ensure you have everything covered. You can even add to these checklists to customise them to suit your specific needs and area of planning!So are you ready to plan an unforgettable event? Let’s get started!Tags: (event planning, experience, organise, manage, success, new career, be your own boss, work from home) Read more

Turn Options into Weekly Paychecks—Without Guessing, Stress, or Endless Screen Time.Most traders lose money because they rely on market predictions, complicated strategies, or emotional decisions. But what if you could approach options trading like a real business—with structure, consistency, and a plan that works even if you’re not an expert?In The Options Income Blueprint, you’ll learn a complete, step-by-step system to generate reliable weekly income using high-probability options strategies—even if you have a small account and limited time.Written in plain English, this book is not about day trading or risky bets. It’s about creating a simple routine that fits into your life, with trades that take just 30 minutes per week to manage.✔️ Inside, you'll discover:How to build a weekly options routine that runs like a businessBull Put Spreads, Bear Call Spreads, and Iron Condors explained clearlyHow to trade in bull, bear, and sideways markets—no prediction requiredThe exact checklists, templates, and journaling tools used by real tradersRisk management techniques to protect your capital and your mindsetHow to scale from $2,000 to a consistent cashflow machine—step by stepWhat to expect in your first 90 days, and how to grow from there✅ Whether you're:A complete beginner looking for a structured pathAn overwhelmed trader tired of conflicting adviceA side hustler wanting to earn more without quitting your jobOr a disciplined thinker ready to turn trading into a real skill…This blueprint gives you the tools, clarity, and confidence to trade options profitably—without the stress.You don’t need to guess the market. You just need a system.Start your journey to consistent weekly income—one trade at a time. Read more

TURN YOUR RETIREMENT SAVINGS INTO INCOME YOU CAN’T OUTLIVE.Are you concerned about running out of money in retirement? You’re not alone. One of the biggest financial fears retirees face is outliving their savings. That’s where annuities come in—financial tools designed to provide guaranteed income for life.Annuities Investing 101 is a practical, beginner-friendly guide that explains everything you need to know about annuities—without overwhelming jargon or complicated charts. Whether you're nearing retirement or just starting to plan, this book will help you understand how annuities work and how to use them to build a secure financial future.Inside this guide, you’ll learn:What annuities are and how they provide lifetime incomeThe differences between fixed, variable, indexed, immediate, and deferred annuitiesHow to choose the right annuity based on your retirement goalsThe risks, fees, and tax considerations every buyer should understandHow to combine annuities with Social Security, pensions, and investments for a complete planWhether you're looking for peace of mind, a steady retirement paycheck, or a way to protect your savings from market volatility, annuities may be the missing piece in your retirement puzzle.If you're ready to take control of your financial future, this book is your starting point. Read more

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Wealth Builder’s PlaybookThe Elite Investor’s Guide to Predictable Growth, Passive Income, and Living Life on Your TermsYou’ve done everything right—built a successful career, created financial security, and accumulated wealth. But deep down, you know something’s missing. You’re still tied to unpredictable markets, watching your portfolio swing wildly with every economic shift. You’re paying more in taxes than you should, and despite your success, you don’t have the one thing money is supposed to buy—freedom.The truth is, traditional investing won’t get you there. The stock market is rigged for institutions, financial advisors profit whether you win or lose, and rental properties feel more like a second job than an investment.There’s a better way.Written by seasoned investor Tom Dunkel, this book is your step-by-step guide to transitioning from an active earner to a confident, passive wealth builder. With nearly 30 years of experience in finance and real estate, Tom reveals the strategies he and his investors use to generate predictable income, preserve capital, and achieve true financial freedom.What You’ll Discover in This Playbook:Why traditional investment models are failing today’s high-net-worth investors—and what to do insteadHow alternative investments—like real estate, private lending, self-storage, and mobile home parks—offer superior risk-adjusted returnsThe four pillars of wealth preservation—capital protection, income generation, growth, and tax efficiencyThe S.A.F.E. Investment Framework—a powerful due diligence method to evaluate deals, avoid bad sponsors, and invest with confidenceStep-by-step guidance to building a predictable, cash-flowing portfolio—without taking on another full-time jobWho This Book is For:If you’re a high-income professional, business owner, or seasoned investor looking for a way to escape market volatility, replace active income with passive income, and secure your financial future, this book is for you.With real-world case studies, actionable strategies, and insights from elite investors, Wealth Builder’s Playbook is your blueprint for financial freedom. Stop gambling with your wealth—start investing with confidence, clarity, and control. Read more

Your Guide to Financial SecurityAre you seeking a safe and stable investment option to secure your financial future? Look no further than Treasury Bills! In "Treasury Bill Investing 101," we present a comprehensive and reader-friendly guide that equips you with the knowledge and strategies to make confident investment decisions.Discover the Power of Treasury Bills:Unravel the mystery behind Treasury Bills, the renowned low-risk investment vehicle backed by the U.S. Department of the Treasury. Understand how these short-term securities can play a vital role in building a strong foundation for your investment portfolio.Mastering Strategies for Success:From managing risk to optimizing returns, this book introduces you to essential strategies like laddering and rolling to navigate the complexities of Treasury Bill investing. Learn to strike the perfect balance between short-term liquidity and long-term growth.Your Step-by-Step Guide:Whether you're a first-time investor or a seasoned pro, this book provides a step-by-step roadmap for getting started with Treasury Bills. Set financial goals, evaluate risk tolerance, and create a budget tailored to your unique circumstances.Building a Resilient Portfolio:Discover the power of diversification and learn how Treasury Bills complement other asset classes in a balanced investment portfolio. Adapt to changing market conditions with confidence, ensuring your financial plan remains aligned with your long-term objectives.Navigating Tax Implications:Demystify the world of tax considerations and reporting for Treasury Bill investments. Gain clarity on how to maximize after-tax returns and comply with tax regulations effectively.Advanced Strategies for Rising-Rate Environments:Learn to leverage Treasury Bills in a rising-rate environment with expert techniques like laddering and rolling. Optimize your returns while managing interest rate risk with finesse.Avoiding Pitfalls and Tips for Success:Uncover common pitfalls and mistakes to steer clear of, and gain valuable tips for a successful Treasury Bill investing journey. Stay disciplined, avoid emotional investing, and enjoy the confidence that comes with informed decision-making.Your Financial Security Starts Now:Whether you dream of building an emergency fund, generating steady income in retirement, or simply achieving peace of mind through low-risk investments, "Treasury Bill Investing 101" is your ultimate guide to unlocking financial security.Take the first step toward prosperity today! Invest in your financial future with "Treasury Bill Investing 101," and watch your portfolio thrive with the safety and stability of Treasury Bills. Scroll up and click the "Add to Cart" button to get started! Read more

A BEGINNER'S GUIDE TO INVESTING IN GOVERNMENT SECURITIESAre you eager to venture into the world of investing and secure your financial future? Look no further! "Treasury Bonds Investing 101" is the ultimate guide for beginners who seek a low-risk approach to building a solid investment portfolio.In this comprehensive book, we demystify Treasury Bonds and delve into the world of low-risk investments. With a reader-friendly approach, we take you on a journey through the intricacies of Treasury Bonds, Certificates of Deposit (CDs), Money Market Funds, and high-quality corporate bonds. You'll gain a deep understanding of each option's benefits, risks, and suitability for your investment objectives.Unravel the mysteries of government securities as we explore the issuance and auction process, interest payments, and yield calculations. Learn the art of crafting a well-diversified portfolio, blending low-risk assets to ensure stability and predictability in returns.Key Features:Insightful explanations of Treasury Bonds and their place in your investment strategy.Analysis of the advantages and limitations of low-risk investments for varying financial goals.Practical tips for assessing your risk tolerance and aligning investments with your objectives.Step-by-step guides to purchasing Treasury Bonds and other assets, whether directly or through brokerages.Strategies for maximizing returns while minimizing risks and avoiding common pitfalls.Guidance on tracking and managing your portfolio's performance to stay on the path to success.This book doesn't stop at theory—it arms you with actionable knowledge to take charge of your financial future. Learn to embrace a long-term perspective, make informed decisions, and benefit from the power of compounding.Whether you're a novice investor or an experienced individual looking to enhance your low-risk investment strategy, "Treasury Bonds Investing 101" is your comprehensive companion. Empower yourself with the expertise to make sound financial choices and pave the way to financial security and prosperity. Read more

Tariffs are taxes imposed by governments on imported goods, serving as a critical tool in international trade policy. They are designed to protect domestic industries by making foreign products more expensive, thereby encouraging consumers to purchase locally produced items. This economic mechanism can be applied selectively or broadly, affecting a wide range of goods. The definition of tariffs extends beyond mere taxation; they embody a government’s strategic decision to influence trade flows, protect nascent industries, and manage the balance of payments. Understanding the nuances of tariffs is essential, as they can serve both protective and punitive functions within the global trading system.Here in 2025 things are on another level, save now, be ready to pivot, remember We all pay the taxes well at least the 98%.Keith M Gilbert Read more

Are you tired of the banks ripping you off with 30-year home loans? Sick of feeling trapped by debt? The Money Mentor is here to show you how to break free from financial stress, slash your mortgage in half, and start living the life you deserve.Written by Graeme Holm, an award-winning finance expert and no-nonsense coach, this isn’t your typical self-help book filled with vague promises and unrealistic goals. The Money Mentor cuts through the fluff and gives you straight, actionable strategies to pay off your mortgage in just 7 to 10 years—without magic, gimmicks, or pie-in-the-sky nonsense. One of our record breakers even cleared their mortgage in 3.5 years!Here’s the deal: The traditional 30-year mortgage is one of the biggest financial scams out there. Banks rake in huge profits while you get stuck paying off more interest than principal. In The Money Mentor, Graeme shows you how to take control of your finances, demolish your debt, and get ahead without cutting back on life’s pleasures.What you’ll learn:The Not-So-Secret, Secret: Discover how simple lifestyle adjustments and a clear budget can supercharge your mortgage repayments.Debt Demolition: Slash years off your home loan without slashing your lifestyle. No need to live like a monk.Budgeting Done Right: Learn how to give every dollar in your monthly income a specific purpose and start saving in ways you never thought possible.Break Free from Bank B.S.: Understand how banks trick you into long-term debt and how you can flip the game to win big.Real-Life Success Stories: See how real families have followed these steps and are now debt-free and living stress-free.No financial jargon. No complicated formulas. Just straightforward, real-world advice that works. Whether you’re struggling to keep up with mortgage payments, dealing with mounting credit card debt, or simply want to take control of your financial future, The Money Mentor gives you the tools to succeed.It’s time to get out of the red, into the green, and start living your best life. Don’t wait—take control of your finances today and become mortgage-free faster than you ever imagined!Perfect for everyday Mums and Dads looking to break free from the financial hamster wheel, The Money Mentor is your guide to paying off your mortgage faster, smarter, and with zero bullshit. Read more

A better development and implementation framework for credit risk scorecardsIntelligent Credit Scoring presents a business-oriented process for the development and implementation of risk prediction scorecards. The credit scorecard is a powerful tool for measuring the risk of individual borrowers,  gauging overall risk exposure and developing analytically driven, risk-adjusted strategies for existing customers. In the past 10 years, hundreds of banks worldwide have brought the process of developing credit scoring models in-house, while ‘credit scores' have become a frequent topic of conversation in many countries where bureau scores are used broadly. In the United States, the ‘FICO' and ‘Vantage' scores continue to be discussed by borrowers hoping to get a better deal from the banks. While knowledge of the statistical processes around building credit scorecards is common, the business context and intelligence that allows you to build better, more robust, and ultimately more intelligent, scorecards is not. As the follow-up to Credit Risk Scorecards, this updated second edition includes new detailed examples, new real-world stories, new diagrams, deeper discussion on topics including WOE curves, the latest trends that expand scorecard functionality and new in-depth analyses in every chapter. Expanded coverage includes new chapters on defining infrastructure for in-house credit scoring, validation, governance, and Big Data. Black box scorecard development by isolated teams has resulted in statistically valid, but operationally unacceptable models at times. This book shows you how various personas in a financial institution can work together to create more intelligent scorecards, to avoid disasters, and facilitate better decision making. Key items discussed include: Following a clear step by step framework for development, implementation, and beyondLots of real life tips and hints on how to detect and fix data issuesHow to realise bigger ROI from credit scoring using internal resourcesExplore new trends and advances to get more out of the scorecardCredit scoring is now a very common tool used by banks, Telcos, and others around the world for loan origination, decisioning, credit limit management, collections management, cross selling, and many other decisions. Intelligent Credit Scoring helps you organise resources, streamline processes, and build more intelligent scorecards that will help achieve better results. Read more