Your friendly guide to trading the bond and bond fund market Bonds and bond funds are among the safest and most reliable investments you can make to ensure an ample and dependable retirement income—if you do it right! Bond Investing For Dummies helps you do just that, with clear explanations of everything you need to know to build a diversified bond portfolio that will be there when you need it no matter what happens in the stock market. This plain-English guide clearly explains the pros and cons of investing in bonds, how they differ from stocks, and the best (and worst!) ways to select and purchase bonds for your needs. You'll get up to speed on the different bond varieties and see how to get the best prices when you sell. Covers the ups and downs of today's market, which reinforces the importance of bonds in a portfolio Explains how a radical fall in interest rates make bond investing trickier than ever Explores the historic downgrade of U.S. Treasuries and its possible effects on government bonds If you're an investor looking for a resource that helps you understand, evaluate, and incorporate bonds into your portfolio, Bond Investing For Dummies has you covered.
Superannuation is the cornerstone of every Australian?s financial future and retirement plan. Making the most of all the tax advantages that superannuation offers is essential to building your wealth. However, complying with and taking advantage of the superannuation and tax rules and regulations is mind-boggling. Fortunately, help is at hand. In plain English, Superannuation & Taxation explains just what your tax obligations are. Inside you?ll learn: ? about the Australian superannuation system and how it works ? what the rules for making a superannuation contribution are ? how to set up, run and maintain a compliant self managed superannuation fund ? how superannuation funds, pensions and death benefi ts are taxed. Packed with tax tips, tax traps to avoid and practical case studies, this comprehensive guide will give you the know-how to legally reduce your tax liability ? and build your wealth.
Two award-winning professors, a former admissions officer at a major university (now a counselor at a prestigious high school), and a gifted high school senior (now in the throes of the college admissions process himself) team up to offer you over 600 tips, techniques, and strategies to help you get in to the college of your choice. Comprehensive, yet easy-to-read, this book will teach you: How to size up the colleges you're considering—and come up with a coherent list. What are college nights, college fairs, and college rep visits—and how you can use each to your advantage. What are «holistic», «contextualized», and «legacy» admissions—and how each can work for you. How some schools count «demonstrated interest»—and how you can take advantage of this little-known fact. What are Early Decision, Early Action, and Single-Choice Early Action—and whether any is right for you. How to figure out the true costs of college, and what is the difference between «need-» and «merit-based» aid. What it means when colleges say they meet «100% of demonstrated financial aid» and what «loan-free» means. When and how to make campus visits—and what to do on each. How to prepare for each section of the ACT or SAT—and how to increase your scores. What admissions officers are looking for in your application—and how to give it to them. How to write the all-important Common App essay—and present your extra-curricular activities. How to prepare for an alumni interview—and present yourself in the best light. Whom to ask for letters-of-recommendation—and how to help them write the best possible letter. How to compare your final offers—and, in some cases, substantially improve them. When it's good to wait out the «wait list»—and when not. -and much, much more. When you understand the college admissions process, you can maximize your chance of success. Why not put yourself ahead of the pack?
Take your productivity to the next level and make the most of your time! Do you have too much to do and not enough time to do it? Don't we all! Productivity For Dummies shows you how to overcome this common problem by tackling key issues that are preventing you from remaining focused and making the most of your time. This insightful text gets to the root of the problem, and shows you how to identify and analyse the items on your to-do list to deliver on deadlines and maximise your schedule. Numerous techniques and technologies have been developed to address productivity needs, and this resource shows you which will work for your situation. Productivity is crucial to your success – whether you want to find a new job, earn a promotion you've had your eye on, or generally progress in your career, understanding how to improve your productivity is essential in increasing the value you bring to your organisation. At the very least, increased productivity means that you get things done faster—which translates into fewer overtime hours and more time concentrating on the things that are most important to you. Eliminate procrastination and laziness from your daily routine Organise your work environment to create a space conducive to productivity Increase your concentration and stay focused on the task at hand Make decisions quickly, and stay cool, calm, and collected no matter what the situation is Productivity For Dummies helps you solve the age-old problem of having too much to do and not enough time to do it.
Easy to digest tips and tools on how not to run a business Experts are constantly telling us what we need to be doing to improve our businesses. Hundreds of books in the market are filled with advice from these experts. But how can you filter out all of the bad advice, misinformation, and misuse of business tools that is out there? None of us needs another list of what we should be doing. QR Codes Kill Kittens tells you what not to do. Easy to digest, easy to avoid. The book is separated into several sections, and each will include a story related to the topic in addition to tips and explanations on what not to do. Includes real-life examples along with tips and guidance on experts, human resources, marketing/branding, networking (in person and online), public relations, and customer service Written by Scott Stratten, author of UnMarketing and the President of UnMarketing.com, a company that combines efforts in viral, social, and authentic marketing; he has appeared on Mashable.com and CNN.com, and in the Wall Street Journal, USA Today, and Fast Company It doesn't do you any good to do a few things right and a lot of things wrong. Find out what not to do. If reading this book saves just one kitten's life, it's worth it.
Retirement planning isn't something that happens at a specific point in time or at a specific age – we are all affecting our retirement plans every day with every decision we do or don't make. Canadians are living longer, and the average retiree in the future may have as much as 30 years of retirement to plan for, and there are many simple things that will impact our eventual retirement life. 52 Ways to Wreck Your Retirement identifies 52 things we do that could wreck our retirement, explains why it puts your retirement at risk, and provides the strategy to correct the mistake, or better still, avoid it entirely. The book is organized under several key areas of the planning process, including: Starting to Plan for Retirement Mistakes around Investing Mistakes around Debt Saving for Retirement Pensions Living in Retirement Spending in Retirement New Realities about Retirement 52 Ways to Wreck Your Retirement is not a feel-good book about how wonderful retirement will be or an alarming fear-mongering book about dying broke, nor is it a get-rich-late-retirement solution. Quite simply, it is an easily-accessible and practical guide written for Canadians of all ages that gives you the tools you need to better manage the financial and personal aspects of your retirement.
Do you hesitate about putting forward ideas? Are you reluctant to claim credit for your achievements? Do you find it difficult to get the support you need from your boss or the recognition you deserve from your colleagues? If your answer to any of these is "Yes", How Women Rise will help get you back on track. Inspiring and practical by turns, it identifies 12 common habits that can prove an obstacle to future success and tells you how to overcome them. In the process, it points the way to a career that will satisfy your ambitions and help you make the difference you want to make in the world.
The Power Trip: How to Survive and Thrive in the Dojo is an informative and critical series of books that will give you the power to thrive in an environment where other students and even instructors at times sit on their “high horses,” arguing over “best techniques” or making snide remarks about your performance. It will also arm you for the day you will begin teaching the martial arts (or help you improve your technique if you are already teaching), and show you how to build your integrity and repute as an instructor. If you are a new student in the martial arts, ready to sign up for your first lesson, you will gain a lot of information about the difficulties you can expect to encounter sometime throughout your training, and explore options for resolving potential conflicts. If you are a seasoned martial artist with years under your belt, you will no doubt recognize many of the scenarios presented, and be able to look back at your journey and consider what you could have done differently. 8 Ways to Benefit from Critique and Testing in the Martial Arts, the fifth book in the series, discusses how performance is evaluated and how good critiques should be conducted and interpreted. It also discusses how to determine when you are ready to test for a higher rank and how an effective test should be constructed and conducted. Lastly, it offers tips on how to take a test successfully, and discusses the importance attached to reaching a new level of accomplishment.
Do you speak money? You should. It is the world’s most important language. It’s spoken everywhere. Speaking—or at least understanding—this language allows you to follow the real conversations in politics, business, and at work. Understanding money and speaking the language fluently is critical to preparing for a comfortable retirement, building a small business, planning for college and a career for your children. Everyone speaks it differently, with different dialects. Some are riskier than others. Some want to save their money; others want to see it grow. There is no one accent, but understanding the differences will make couples, business partners, and coworkers happier—and wealthier. Authors and CNN financial experts Ali Velshi and Christine Romans speak the global language of money and translate it every day for hundreds of thousands of viewers. And they are here to teach you, too. It’s easier to learn than you might think. Speaking money affects every area of your life. It’s more than simply your savings or the investments you may have. It involves the way you think about money, the way you teach your children about it, and the way you were taught about it yourself. It’s about the way you spend it, save it, invest it, use it, need it and want it. The book will: Shed light on the male and female spending and investing disparity Discuss emerging international economies Weigh the financial hurdle of student debt culminating in a successful job Explain how to budget wisely and build wealth Show how to plan appropriately for retirement How to Speak Money is an easy-to-read, practical book that helps readers become fluent in the world’s most universal language.
Your trusted, compassionate guide to living with MS Being diagnosed with multiple sclerosis (MS) doesn't mean your life is over. Everyone's MS is different and no one can predict exactly what yours will be like. The fact is, lots of people live their lives with MS without making a full-time job of it. Multiple Sclerosis For Dummies gives you accessible, easy-to-understand information about what happens with MS—what kinds of symptoms it can cause, how it can affect your life at home and at work, what you can do to feel and function better, and how you can protect yourself and your family against the long-term unpredictability of the disease. You'll learn how to make treatment and lifestyle choices that work for you, what qualities to look for in a neurologist and the rest of your healthcare team, how to manage fatigue, the pros and cons of alternative medicine, why and how to talk to your kids about MS, stress management strategies, your rights under the Americans with Disabilities act, and so much more. Covers major medical breakthroughs that slow the progression of the disease and improve quality of life for those living with MS Helps those affected by MS and their family members understand the disease and the latest treatment options Helpful and trusted advice on coping with physical, mental, emotional, and financial aspects of MS Complete with listings of valuable resources such as other books, websites, and community agencies and organizations that you can tap for information or assistance, Multiple Sclerosis For Dummies gives you everything you need to make educated choices and comfortable decisions about living with MS.
AARP Digital Editions offer you practical tips, proven solutions, and expert guidance. Do you speak money? You should. It is the world’s most important language. It’s spoken everywhere. Speaking—or at least understanding—this language allows you to follow the real conversations in politics, business, and at work. Understanding money and speaking the language fluently is critical to preparing for a comfortable retirement, building a small business, planning for college and a career for your children. Everyone speaks it differently, with different dialects. Some are riskier than others. Some want to save their money; others want to see it grow. There is no one accent, but understanding the differences will make couples, business partners, and coworkers happier—and wealthier. Authors and CNN financial experts Ali Velshi and Christine Romans speak the global language of money and translate it every day for hundreds of thousands of viewers. And they are here to teach you, too. It’s easier to learn than you might think. Speaking money affects every area of your life. It’s more than simply your savings or the investments you may have. It involves the way you think about money, the way you teach your children about it, and the way you were taught about it yourself. It’s about the way you spend it, save it, invest it, use it, need it and want it. The book will: Shed light on the male and female spending and investing disparity Discuss emerging international economies Weigh the financial hurdle of student debt culminating in a successful job Explain how to budget wisely and build wealth Show how to plan appropriately for retirement How to Speak Money is an easy-to-read, practical book that helps readers become fluent in the world’s most universal language.
What You Need to Know About Leadership Business Needs Leaders. Every day, good and bad leaders make and break organizations. If you want to get anywhere in your career, showing leadership is crucial. So what do you really need to know about leadership? Find out: What it’s all about Why vision matters How you can build a great team Why leaders need to motivate and inspire the people around them How to lead when the going gets tough What You Need to Know about Leadership is the book you need to get to the corner office. Read More in the What You Need to Know Series and Get up to Speed on the Essentials…Fast.
Get your entire life on track with an accelerated trajectory Your Trajectory Code is a guide to understanding why you are where you are, and not where you want to be – and how to change it. Once you understand what the trajectory code is, you can gain an accelerated understanding of yourself and others, including family members, friends, neighbors, colleagues, and anyone else. You'll be able to recognize how tiny 1% adjustments can significantly change your trajectory for the rest of your life. Your inner dialogue guides you along your trajectory, and this book will teach you the five fundamental types of people in your consciousness, and how they can either accelerate your rate of success or derail you straight into a trajectory of misery. We all have the opportunity to make decisions and guide what line or path we follow in life. One trajectory takes you toward greater accomplishments, while the other moves you in the direction of mediocrity and complacency. Understanding the trajectory code and line is what separates winners from losers, and Your Trajectory Code shows you how. Gain a deeper understanding of yourself and others Make tiny adjustments that have a big impact Discover who in your life might hold you back Steer your trajectory toward achievement and success The path of your life is not predetermined. You have control, and it's never to late to make the changes that could bring you greater happiness. Have you settled for «good enough» long enough? Are you ready to rock the boat? Your Trajectory Code is the key to figuring out what needs to change, and how to change it to point your trajectory skyward.
We all have the capacity to be happy. There may be occasions in your life where this seems a challenging concept, however there are some very definite things that you can do to make sure that you are happy more often than not. After all, happy people get sick less often, they have more energy, are more creative, sustain more positive relationships and are more fun to be around. With the help of Liggy Webb, you can create your own personal happiness toolkit! How to be Happy will help you feel more self-empowered and in control of any situation, helping you progress in your work and personal life. You will learn how to: • Build your self-confidence to make the best of who you are • Be open to learning new things, to become more effective and creative • Develop an attitude of gratitude to appreciate life more • Encourage and sustain positive relationships • Build your resilience and emotional strength to cope with stress and manage change • Foster a healthy attitude and get fit for life You can make the decision right now to be happier if you really want to be. Life is what you make it – so learn how to be happy, effective and energetic – and watch how it inspires those around you.
A guide to refocusing your business on those who matter most: customers and employees. Technology and social media tools have made it easier than ever for companies to communicate with consumers. They can listen and join in on conversations, solve problems, get instant feedback about their products and services, and more. So why, then, are most companies not doing this? Instead, it seems as if customer service is at an all time low, and that the few companies who are choosing to focus on their customers are experiencing a great competitive advantage. At Your Service explains the importance of refocusing your business on your customers and your employees, and just how to do it. Explains how to create a culture of empowered employees who understand the value of a great customer experience Advises on the need to communicate that experience to their customers and potential customers Frank Eliason, recognized by BusinessWeek as the 'most famous customer service manager in the US, possibly in the world,' has built a reputation for helping large businesses improve the way they connect with customers and enhance their relationships At Your Service will appeal to leaders, managers, business owners, customer service professionals, and anyone who wants to learn how to add value to their organization.