NRI Tax Blueprint 2025
NRI Tax Blueprint 2025 is a practical guide designed to help Non-Resident Indians master taxation, financial planning, compliance, and wealth protection in India. It simplifies complex laws and converts them into clear, actionable steps.Covering income tax, investment strategies, DTAA, repatriation rules, FEMA regulations, inheritance planning, family office structures, and succession frameworks, this blueprint offers real-life examples and easy-to-use checklists. With a focus on digitalisation, automation, and cross-border planning, NRI Tax Blueprint 2025 empowers NRIs to manage finances efficiently, stay compliant, and build long-term financial security.
Towards a Tokenized Economy
Discover how blockchain, stablecoins, and Web3 are revolutionizing global finance and creating unprecedented investment opportunities In Towards a Tokenized Economy, leading financial executive Yoshitaka Kitao provides essential insights into the transformation of global finance through technological innovation. Drawing on his extensive experience in financial services and strategic technology investments, Kitao explains how blockchain, cryptocurrency, and tokenization are fundamentally reshaping monetary systems, investment strategies, and the structure of the world economy. This comprehensive guide takes readers through the emerging landscape of modern finance, from the strategic importance of dollar-pegged stablecoins and Bitcoin's role as a reserve asset to the revolutionary potential of Web3, decentralized finance, and security tokens. Kitao explains complex technological concepts in accessible terms while revealing the geopolitical implications of these developments, including strategies to maintain monetary dominance through cryptographic assets. The book combines technological depth, financial expertise, and strategic foresight, giving you: In-depth analysis of stablecoins processing over 500 trillion yen monthly and their impact on global payment systems Clear explanations of Bitcoin's blockchain infrastructure, mining operations, and its emergence as institutional reserve holdings Comprehensive coverage of Web3 fundamentals including smart contracts, decentralized finance protocols, NFTs, and autonomous organizations Strategic insights into RWA tokens, including security tokens, tokenized equities, and the transformation of capital markets and exchanges Exclusive perspective on how major financial institutions are entering content and advertising businesses through integrated platforms Towards a Tokenized Economy is a must-read for investors, financial professionals, executives, and business leaders who need to understand and capitalize on the transformation of modern finance. Whether you're hoping to enhance your investment strategy, evaluate emerging innovations, or position your organization for the tokenized world, Kitao delivers the knowledge you need to navigate a financial world that is changing at its foundations.
The Beginner's Blueprint to Forex Trading
Master the World of Forex Trading with Expert GuidanceAre you ready to dive into the dynamic world of Forex trading but don't know where to start? Discover a clear path to mastering currency markets with The Beginner's Blueprint to Forex Trading. This comprehensive guide opens the gateway to understanding and profiting from one of the most exciting and fast-paced financial markets in the world.Explore the fascinating history and mechanics behind Forex trading. From understanding major, minor, and exotic currency pairs to grasping the concepts of going long or short, this book breaks down complex topics into digestible insights. Gain the foundational knowledge that will empower you to make calculated and informed trading decisions.Unlock the secrets of successful Forex trading strategies by learning about leverage, margin, and risk management. Master the art of technical and fundamental analyses, and develop an intuitive trading plan that aligns with your financial goals. Don't just trade-trade with confidence and conviction.Transform your trading mindset by exploring the psychological aspects of trading. This book will guide you in developing the emotional discipline needed to navigate the market's highs and lows, ensuring you're always at the top of your game.Take the first step towards financial independence and flexibility. Whether you're a complete beginner or looking to sharpen your skills, The Beginner's Blueprint to Forex Trading equips you with the tools, knowledge, and psychology to become a successful trader. Embark on a journey of lifelong learning, networking, and staying informed to keep pace with ever-evolving market trends.Start your Forex trading journey today and transform your financial future!
Moneywork
What if your money could go to work so you don't have to? Forget the noise. Forget the jargon. Forget pursuing the next big thing. Moneywork unveils the quiet power of a strategy hiding in plain sight, one that rewards patience over panic, simplicity over complexity, and freedom over fortune-hunting. Paul L. Durso doesn't sell dreams, he builds them. And dividends are the engine. Through unexpected stories and clear-eyed guidance, Paul reveals how to turn your portfolio into a paycheck machine that works whether the market soars, dives, or throws a tantrum. This isn't about getting rich quick. It's about getting free for good. You don't need to predict the future to succeed. You just need an income plan that pays, no matter what. Moneywork helps you get there.
Teach A Man to Fish
The developing world presents the greatest humanitarian and economic opportunity in all of history. In this book, you'll learn how and why extreme poverty still exists and the time-tested strategies that have proven to eradicate it in the long term. Teach A Man To Fish is an essential read for anyone who wants to maximize their investment's spiritual, social, and economic return, whether through charity or impact-focused investing.Clark Varin unpacks global economics, emerging markets, and the geopolitical climate that makes investing in developing nations an opportunity that cannot be ignored. He explains the need for microfinance, exposes the global banking system that benefits the rich at the expense of the poor, and proposes actionable solutions. Through thorough research and vivid storytelling, Clark lays out a plan to bring economic prosperity to the world's poorest people while also restoring the frail global economy.What Others Say About This Book: Completely God-Breathed. Intrinsically deep in detail, yet impossibly easy to follow and understand the world's most pressing issues and solutions. Written by divine revelation that can only come through the genius of a true prophet.─Charlette Gitonga, Executive Assistant to Clark Varin @ Teach A Man To Fish***A detailed account of the humanitarian crisis of extreme poverty and the impact on the most vulnerable communities. Clark combines deep research with personal experience to create a compelling call to action. Whether you are an experienced investor or early on your journey to make an impact, this book will inspire you to take your next step.─Peter Greer, CEO of HOPE InternationalAuthor Bio: Clark Varin is a developing-world entrepreneur and investor. He is the co-founder of Muvule Financing, a microfinance institution in Uganda, and Teach A Man To Fish, a US 501(c)3 nonprofit microfinance fund. The mission of these organizations is to eradicate extreme poverty by empowering the world's poorest to become self-sufficient entrepreneurs through the support of microloans.
30-Something Millionaire
About the BookEVERYBODY WANTS TO BE A MILLIONAIRE BY THE TIME THEY ARE 30. THIS BOOK TELLS YOU HOW.We've all learnt compound interest in high school mathematics. Its application in life? Not many of us! For most of us would be millionaires, if we did. Yes, it's (almost) that simple. How the habit of compounding in life, learnings and experiences make us achieve anything and everything we set out to. Simply put: Consistency, Discipline and Patience ... both in personal and professional life! 30 Something Millionaire ... How Not to Ace the Rat Race is a self-help book and memoir, taking the reader along Chawla's path to financial independence, a self-made millionaire as a 30-something-year-old and how anyone across age groups can emulate a similar path in their lives based on learnings and life lessons shared. These learnings are structured across three buckets: personal life (habits, decisions, savings and investments), professional life (thought process, execution strategies) as well as timeless wisdom, learnings from experiences of some of the most successful people across domains, that is, standing on the shoulders of giants.About the AuthorMohit Chawla runs his investment office, Bimtek group, in India. Bimtek is focused on capital markets (public, private equities), real estate (commercial, residential), infrastructure (logistic parks, warehouses) and early-stage venture (start-up) investments. Read more about Bimtek here: www.bimtek.co.in.Mohit comes with around two decades of diverse experience and skill set across business sectors and geographies, having worked in the financial markets (both on the sell side: investment banking, and buy side: private equity, hedge funds) across Europe, the US, the Middle East and India; in real estate design, development and consultancy across India and Europe; and is a 2X entrepreneur having successfully built, scaled and exited venture-capital backed start- ups with operations across Europe, Americas and India.
Opportunity at Risk
Opportunity at Risk offers a groundbreaking approach to preserving family wealth across generations by integrating proactive risk management with traditional asset planning. Drawing from decades of experience advising high-net-worth families, the authors reveal why most wealth disappears within three generations and how to prevent it. Using real-world examples, including the decline of families from the original Forbes 400 list, the book introduces the concept of financial gravity, the cumulative force of taxes, inflation, lawsuits, and lifestyle pressures that quietly erode net worth over time.At the heart of this strategy is the Total Family Balance Sheet by Higginbotham(TM), a comprehensive framework that evaluates risk across six key asset silos: Investment Portfolios, Real Estate, Family Operating Businesses, Private Equity, Personal Assets, and Family Human Capital. The book challenges the siloed, asset-only focus of traditional planning by exposing off-balance sheet liabilities, the hidden threats most families never see coming.This practical guide empowers families to align their emotional and financial risk tolerance, coordinate across advisors, and protect their legacy with intention. For those who have built wealth and want to preserve it, Opportunity at Risk is a must-read roadmap to financial resilience and generational continuity.
Opportunity at Risk
Opportunity at Risk offers a groundbreaking approach to preserving family wealth across generations by integrating proactive risk management with traditional asset planning. Drawing from decades of experience advising high-net-worth families, the authors reveal why most wealth disappears within three generations and how to prevent it. Using real-world examples, including the decline of families from the original Forbes 400 list, the book introduces the concept of financial gravity, the cumulative force of taxes, inflation, lawsuits, and lifestyle pressures that quietly erode net worth over time.At the heart of this strategy is the Total Family Balance Sheet by Higginbotham(TM), a comprehensive framework that evaluates risk across six key asset silos: Investment Portfolios, Real Estate, Family Operating Businesses, Private Equity, Personal Assets, and Family Human Capital. The book challenges the siloed, asset-only focus of traditional planning by exposing off-balance sheet liabilities, the hidden threats most families never see coming.This practical guide empowers families to align their emotional and financial risk tolerance, coordinate across advisors, and protect their legacy with intention. For those who have built wealth and want to preserve it, Opportunity at Risk is a must-read roadmap to financial resilience and generational continuity.
DeFi Risk & Reward
Markets without gatekeepers are exhilarating until the safeguards are missing. This book shows how to keep your head when code moves money, yields look effortless, and timelines compress from quarters to hours. You will learn how decentralised protocols actually produce fees, why defi risk management begins with incentives not charts, and how smart contract security and oracle design shape outcomes. With plain-language models for liquidity pools explained, yield farming guide trade-offs, and stablecoin peg risk, it turns volatility into practical choices: when to size down, when to step away, and which controls travel with you. You will build a repeatable approach to governance tokens, evaluation checklists, and an on-chain due diligence habit that survives bull and bear cycles. Written for thoughtful participants, operators and analysts, it offers a position sizing framework and a simple crypto portfolio checklist you can adapt to your context. No promises, no scare tactics - just a clear playbook for slower, better decisions in a fast market.
Stablecoins Explained
When money becomes software, stability is the feature that makes it useful. This book explains how stable digital currencies are built, tested, and trusted in the real world, and how they connect decentralised rails to bank accounts and shops. You will learn how stablecoins maintain value, why peg mechanisms succeed or fail, and where liquidity management matters most. Clear frameworks show the trade-offs between tokenised cash, digital currencies, and public options such as CBDCs, including the tensions in cbdc vs stablecoin debates. Practical chapters map adoption across crypto payments, merchant bridges, and fiat on-ramps, with a focus on controls, disclosures, and user experience. Written for product builders, treasurers, policy thinkers, and thoughtful investors, it equips you to evaluate regulatory risk, compare designs, and plan rollouts for cross-border settlement without getting lost in jargon. The result is a grounded guide to programmable money that privileges plain English, resilient design, and trust.
Mastering the Dark Art of Lobbying
You want something from government. A decision. A policy change. A contract. Project approval. Protection from a bad outcome.Lobbying has long been seen as a murky, insider game - dominated by big corporations, political operators and those with the loudest voices. But done properly, lobbying is neither sinister nor mysterious. It is a legitimate, ethical and often essential part of how good decisions are made.Mike Smith's decades of experience inside government, political parties, unions and professional lobbying mean Mastering the Dark Art of Lobbying is not a book about shortcuts, secret deals or 'who you know'. It's a practical guide to understanding decision-makers, shaping proposals to which government can actually say yes, choosing the right timing and avoiding the mistakes that derail otherwise good ideas. Blending real-world examples, clear frameworks and hard-won insights, this book demystifies lobbying and shows you how individuals, small businesses and community organisations can advocate confidently, ethically and successfully - whether you do the lobbying yourself or engage professional help.If you've ever wondered how government decisions are really made, or how to give your idea the best chance of success, this book is your starting point.
The Roth Conversions Window
The First Book That Reveals the Post-OBBBA Trap - And How to Convert Your IRA in Your Gap Years Before RMDs Force You Into Higher Brackets and Trigger $15,000/Year IRMAA PenaltiesHave you been told by your advisor that "now you have time" since OBBBA made tax brackets permanent - without anyone explaining what you're actually waiting for?Introducing The Roth Conversions Window, a post-OBBBA retirement planning guide that exposes the Permanent Bracket Paradox and teaches you the G.A.P.S. System, a four-step framework showing you exactly how to convert at 12-22% rates during your gap years, before age 73 RMDs push you into 24-32% brackets and cost you $50,000-$150,000+ over your lifetime.Here's a fraction of what awaits you: - Why OBBBA's "permanent brackets" created a hidden trap - and how the Permanent Bracket Paradox costs retirees $75,000+ in avoidable taxes- The $75,000 mistake - a 20-year comparison showing exactly where inaction costs compound between strategic converters vs. those who wait- IRMAA cliffs explained - why $218,000 vs. $218,001 MAGI costs couples $1,148/year, and can reach $14,964/year at higher tiers- And much more!Scroll up and Get Your Copy of The Roth Conversions Window Today!
Teen Investing
This book introduces the fundamentals of investing with a specific focus on teenagers and young adults who are approaching financial markets for the first time. It explains how investing works, why risk and return are connected, and how inflation, time, and compound growth influence long-term outcomes. The content covers core financial instruments such as stocks, bonds, options, index funds, and preferred shares, along with explanations of market structure, diversification, valuation metrics, and basic portfolio monitoring. Real-world examples and historical context are used to clarify how markets function and how investment decisions are shaped. The book is intended for teenagers, students, and young readers with little or no prior investing experience, as well as parents and educators seeking an introductory resource on financial literacy and investing concepts. It adopts an educational and practical approach, combining descriptive explanations, step-by-step breakdowns, applied examples, and personal narrative elements to present investing as a structured, long-term process focused on learning, discipline, and informed decision-making rather than speculation.
Financial Crime Investigation
Financial Crime Investigation: A Practitioner's Guide to Financial Crime Typologies and Investigative Techniques is a practical, authoritative guide for professionals working on the front lines of financial crime risk, compliance, and enforcement.Designed for real-world application, this book explains how modern financial crimes are committed, concealed, and detected across financial systems, digital platforms, and organizational structures. It covers core crime types including money laundering, fraud, corruption, terrorist financing, sanctions evasion, cyber-enabled crime, and crypto-asset abuse, while also addressing the role of insiders, professional facilitators, and cross-border networks.Structured into clear, progressive sections, the book guides readers through investigative planning, evidence gathering, interviews, OSINT, forensic analysis, fund tracing, and sector-specific risk environments such as banking, real estate, gaming, public procurement, charities, and digital assets. Emphasis is placed on investigative judgment, defensible decision-making, and ethical practice - bridging the gap between regulatory expectations and operational reality.Written in clear, practitioner-focused language, this book is designed for investigators, compliance and AML professionals, auditors, regulators, analysts, and students seeking a practical understanding of how financial crime actually works - and how to investigate it effectively.
Wealth Highway
Through a cross-country road trip and a series of candid conversations, Steve Lawson reveals the principles that quietly separate financial stress from financial freedom. Readers discover how wealth is truly built through mindset, cash flow, leverage, business ownership, real assets, and time-not just income or the stock market. Blending real-world investing insight with a powerful narrative, Wealth Highway offers a clear roadmap for creating passive cash flow, avoiding common financial traps, and designing a life you actually want to live."If you're ready to break free from broken financial thinking and get on the true path to financial freedom, The Wealth Highway is the road you need."- Chris Naugle, Founder of PrivateMoneyClub.com and Money School/BYOB"Steve's principles don't just sound good-they deliver real, measurable results."- Wade WilliamsSteve Lawson is a former traditional financial planner who rebuilt his approach after seeing traditional strategies fail so many people. Raised without financial advantages, he achieved financial freedom by focusing on cash flow, leverage, and mindset. Today, he teaches practical, real-world strategies to build wealth on your own terms.
Finishing the Inflation Job and New Challenges for Monetary Policy
Target 2%: Easing Inflation in an Uncertain WorldHow should the Fed finish the inflation-reduction job and prepare for the changing world ahead, addressing challenges of tariffs, supply chain "shocks," and changes in the status of the dollar and the nature of international cooperation? Finishing the Inflation Job and New Challenges in Monetary Policy collects essays and discussions from the annual Hoover Institution Monetary Policy Conference, held on May 9, 2025, exploring these themes and considering other big-picture issues that affect monetary policy in this volatile international environment. Each year, the conference brings together academics, policymakers, media members, and others to consider the issues affecting monetary policy, both in the United States and worldwide. In her welcoming remarks to the conference, Hoover Director Condoleezza Rice sets the tone, stating that the United States is "experiencing an avalanche of uncertainty," with everything about the international order in question, including the United States' role in it. With inflation still stubbornly above the Federal Reserve's 2% target at the time of the conference, how to finish the inflation-reduction job was a natural point of focus. But contributors also explore in depth many other challenges and questions on monetary policy that lie ahead: How should central banks counter a new surge of inflation, should one arise? What lessons should we take from the 2021-22 inflationary episode? Are tariffs the next supply shock? How should central banks adapt their formal strategies, constructed in an era of zero-interest rates and low inflation? How should financial regulation adapt to the uncertainties of geopolitics and the big technological innovations going on around us? This year's conference included a celebration of the life and career of John B. Taylor. Many essays convey this spirit of homage, noting the influence of Taylor and the Taylor rule on policymaking. Among its eight sections, the book proceeds by exploring current issues in finance and the financial regulation of cryptocurrency, the growing role of private credit, and how the history of the price stability objective reverberates in the present day. Monetary policy must adapt to this very new world.
And the Light Became so Bright
The philosophy and the policy of C.H. Douglas had a profound influence on the writings of Ezra Pound. It is important to emphasize that this philosophy and policy were by no means limited merely to the question of monetary reform and economic considerations. C.H. Douglas has always insisted that monetary reform is but one aspect of Social Credit. He has constantly referred to Social Credit as the policy of a philosophy. He sees this philosophy as having its roots in a firm belief in the uniqueness and sacredness of the human individual. He has always insisted upon the Christian concept of the individual as opposed to the mass collectivism, which is advocated by various forms of materialistic messianism, e.g., Marxian Socialism.C.H. Douglas regards the continuing warfare against the dignity, liberty, and sanctity of the individual and the move toward the centralization of power in industry, finance, and government to be the great crisis of our times. He sees the centralization of financial power as a key factor in this war upon the individual. This centralization of financial power is possible because of the complete domination of the existing monetary system by usury. The existing monetary and financial system is based upon a system of usury which in no way takes into account the economic facts of life. Ezra Pound first met C.H. Douglas in The New Age editorial offices of A. R. Orage in 1918. He therefore met Douglas when Douglas's first articles on Social Credit were beginning to appear in The New Age. Because of his meeting and continuing contact with Douglas, Pound plunged into a life-time of research, one of the objects of which was to verify the truth of the Douglasite philosophy and proposed policy. The research carried him very deeply into the realm of world history and particularly monetary-economic history. This research took him on an intellectual periplum or voyage of discovery into the work and careers of Confucius, Malatesta, Cosimo de Medici, Leopoldo il terzo, and Pietro Leopoldo of the House of Habsburg-Lorraine, Napoleon, John Adams, Thomas Jefferson, Randolph of Roanoke, Abraham Lincoln, Benjamin Franklin, Duns Scotus, John Scotus Eriugena, St. Anselm, St. Ambrose, Alexander Del Mar, Thomas Hart Benton, Sir Edward Coke, Agassiz, etc. The purpose of The Cantos has been to record and chronicle the life-giving tradition based upon the dignity of the human individual and upon the philosophy of abundance. This philosophy of abundance is the distributist philosophy which prevailed whenever and wherever economic justice prevailed in history. This distributist philosophy was always connected with that monetary literacy and wisdom which opposed itself to usury. This distributist philosophy and policy of abundance is the very philosophy upon which the monetary-economic aspects of Douglasism are based. Hence Pound sees Douglasism as part of a much older thought-tradition or paideuma. Opposed to this life-giving tradition is the death-dealing blight which manifests itself in collectivism, but whose very heart and soul is the system of usury. Pound sees usury as the great sin from which all other sins flow and upon which they feed. His interest in Usura and in the anti-usury paideuma throughout history can only be ascribed to the influence of C.H. Douglas, since it simply did not exist before Pound met Douglas. Pound's great interest and respect for medieval thought was encouraged by the fact that medieval thought equated usury with sodomy in that both were against the abundance of nature. The policy and philosophy of C.H. Douglas provides a dominant theme for much of Pound's prose writing and provides the focal point or unifying theme for his great epic masterpiece, The Cantos. It is difficult to over-emphasize the impact of Douglas and Douglasism on the writings of Ezra Pound.
Total Succession
You will exit your practice. Will you lead it, or will it lead you?As a financial advisor, you've spent years helping clients plan for what's next. But when it comes to your future, delaying seems easier than deciding. The longer you wait, the more likely your exit will be defined by a moment you didn't choose or can't control.This part of the journey is different, and author Tyson Ray knows it's filled with more questions than answers: Who am I without the practice? Will I get what it's really worth? What if my team doesn't want the responsibility or the debt? How can I be sure my clients will be cared for when I'm gone?These quiet fears keep even the most successful advisors stuck. Maybe you're someone who's been working more months than they should and waiting more years than they can afford.That's why Tyson built the SPACE framework-a five-step process designed to help you: See the life you want beyond your practicePrepare your team to thrive without you and keep your clients firstAct while you still have time, control, and options that allow you to leave fully compensatedCommit to letting go so others can step inExit with confidence and purposeWhat comes next is yours to shape, and Tyson is here to walk that path with you. Total Succession is your guide to planning a future you're excited to step into.You only exit your practice once. Do it on your terms.
123btc
123BTC: The Beginner's Guide to Bitcoin cuts through the noise and hype to give readers a grounded, easy-to-understand introduction to Bitcoin and blockchain technology.Starting with the history of money and the failures of traditional fiat systems, the book explains how inflation, centralisation, and financial control shape the world we live in today. It then introduces Bitcoin-what it is, how it works, and why it represents the most important monetary innovation of our time.Written for everyday readers, not technical experts, 123BTC breaks down complex ideas like decentralisation, scarcity, and digital ownership in clear, practical terms. Whether you are new to Bitcoin, curious about the future of money, or simply looking to better understand the changing financial landscape, this book provides the essential knowledge needed to think clearly and move forward with confidence.
The Price of Time
Winner of the 2023 Hayek Book Prize Longlisted for the 2022 Financial Times Business Book of the Year Award A comprehensive and profoundly relevant history of interest from one of the world's leading financial writers, The Price of Time explains our current global financial position and how we got here In the beginning was the loan, and the loan carried interest. For at least five millennia people have been borrowing and lending at interest. The practice wasn't always popular--in the ancient world, usury was generally viewed as exploitative, a potential path to debt bondage and slavery. Yet as capitalism became established from the late Middle Ages onwards, denunciations of interest were tempered because interest was a necessary reward for lenders to part with their capital. And interest performs many other vital functions: it encourages people to save; enables them to place a value on precious assets, such as houses and all manner of financial securities; and allows us to price risk. All economic and financial activities take place across time. Interest is often described as the "price of money," but it is better called the "price of time: " time is scarce, time has value, interest is the time value of money. Over the first two decades of the twenty-first century, interest rates have sunk lower than ever before. Easy money after the global financial crisis in 2007/2008 has produced several ill effects, including the appearance of multiple asset price bubbles, a reduction in productivity growth, discouraging savings and exacerbating inequality, and forcing yield starved investors to take on excessive risk. The financial world now finds itself caught between a rock and a hard place, and Edward Chancellor is here to tell us why. In this enriching volume, Chancellor explores the history of interest and its essential function in determining how capital is allocated and priced.
Tax Smart
You shouldn't have to be a tax expert to keep your hard-earned money. You need a small set of rules that work every week-clear enough to trust, simple enough to use, and strong enough to prevent surprises. This book gives you that system. Built for first-time founders and independent professionals, it explains what income really is, which expenses pass the "ordinary, necessary, demonstrable" test, and how to avoid penalties with a practical weekly and quarterly routine. You'll learn how **small business taxes** actually work, how to handle **VAT and GST basics**, and how to plan **quarterly estimated taxes** without wrecking cash flow. It clarifies **tax deductions for self employed**, from **home office deduction rules** to vehicles and mixed-use tools, and shows how to spot **audit triggers for small business** before they cost you sleep. A **simple tax calendar** and lightweight bookkeeping habits-designed for real life-tie everything together. Read this if you invoice clients, sell online, or juggle platforms and subscriptions. It's for solo operators who want clean books, sane pricing, and a calm filing season. By the end, you'll know how to pay yourself, set money aside, and file with confidence-using plain language and steps you can repeat. If you've ever typed "**bookkeeping for freelancers**" or wondered "**how to pay yourself as a business owner**," this is the clear, preventative playbook you've been looking for. - Make decisions faster with a portable mental model - Keep more cash by timing income, deductions, and payments - Replace panic with a steady, proven routine that just works
The DIY CFO
If cash is the lifeblood of a business, this is the operating manual for keeping it moving-calmly, every week. It shows exactly how to think in **founder finance** terms: build a **13 week cash flow**, price for **contribution margin**, and run a **simple KPI dashboard** that turns numbers into action. No fluff, no jargon-just the decisions that keep you in control when markets are noisy and time is short. What's inside is plain-English, relentlessly practical. You'll map **unit economics for startups** that actually match your work, use **break even analysis** that reflects the real cost of staying alive, and set payment terms that make collections routine-not a monthly panic. You'll learn how **working capital management** becomes strategy, how a tight **collections playbook** lowers DSO without burning relationships, and how to pick capital you can live with. This book is for owners, freelancers, and small-team leaders who don't have a full-time CFO but still need to make board-level choices. If you've ever wondered why profit on paper feels nothing like cash in the bank, you'll find the missing link here. Expect checklists, short scripts, and clean models you can implement over a weekend-then refine every Friday. Read it to: - price with confidence using **pricing strategy for services** - protect margin with clear terms and deposits - build a weekly cadence that surfaces risks early - choose capital deliberately, not desperately By the last page, finance stops being a fog and becomes your footing: fewer surprises, steadier weeks, better sleep.
DeFi Demystified
Open finance gives you the keys. It also makes you the locksmith. If you have felt the pull of possibility alongside the fear of making an irreversible mistake, this is the field manual that meets you where you are and teaches you how to move with care. Learn what DeFi for beginners actually means in practice: how decentralised finance rebuilds familiar functions in code, how liquidity pools made simple can be understood without equations, and how to read a transaction prompt before it reads you. Walk step by step through crypto wallet setup, Uniswap explained, and an Aave lending tutorial that treats borrowing limits and liquidations with the seriousness they deserve. See where staking and yield risks come from, why returns exist at all, and when the safest decision is to sit out. -For newcomers who want competence, not hype -For investors who crave a clearer map of smart-contract risk -For builders and small-business owners exploring stablecoin rails You will finish with a repeatable method: how to size positions, set approvals, revoke them, and survive the occasional panic without becoming exit liquidity. Along the way, you will parse the regulatory landscape of DeFi without false certainty and adopt simple routines for risk management in DeFi that professionals use. If you want to participate with eyes open - to act, or to decide not to - this guide gives you the clarity and discipline to do both.
Find The Hidden Talent
Most organisations are not short of talent.They are short of vision.Every company has people who quietly hold everything together. They solve the hard problems. They prevent disasters. They carry institutional knowledge no org chart can show. And yet they remain unseen, unpromoted, and undervalued-while louder, more visible performers rise past them.Find The Hidden Talent exposes one of the most costly blind spots in modern leadership: the systematic failure to recognise the people who actually make organisations work.Drawing on decades of experience building high-performing teams inside complex, high-risk environments, psychologist and former banking executive Mark Powell reveals why traditional talent models reward confidence over competence, noise over value, and visibility over impact.This is not a book about motivation, personality tests, or "high-potential" labels.It is a practical, psychological guide to seeing what others miss.Inside, you will discover: Why your top performers are rarely your loudest voicesHow modern systems quietly promote the wrong peopleThe psychological signals that reveal true value and reliabilityWhy "potential" is often misidentified and mismanagedHow to build teams that outperform without burning outPowell shows how hidden talent forms the invisible engine of successful organisations-and why ignoring it leads to fragility, disengagement, and failure at scale.Clear-eyed, incisive, and deeply human, Find The Hidden Talent is essential reading for leaders who want results, not theatre; resilience, not churn; and teams that actually deliver when it matters most.The future of work will not be won by those who talk the loudest.It will be won by those who finally learn how to see.
Pirate Money
When they met in Philadelphia in 1787, everyone understood real money as Spanish gold doubloons and silver pieces of eight. The Founders hid a clause in the Constitution that allowed states to use Pirate Money as legal tender. Adding current technology, their secret can be used to stop the threats of inflation, federal overreach, and the Great Reset while preserving personal liberty and privacy. This book offers a blending of old-world and modern solutions that will forever change the way you view money. Join the Pirate Money Revolution!
Pirate Money
When they met in Philadelphia in 1787, everyone understood real money as Spanish gold doubloons and silver pieces of eight. The Founders hid a clause in the Constitution that allowed states to use Pirate Money as legal tender. Adding current technology, their secret can be used to stop the threats of inflation, federal overreach, and the Great Reset while preserving personal liberty and privacy. This book offers a blending of old-world and modern solutions that will forever change the way you view money. Join the Pirate Money Revolution!
Machine Learning Applications in Finance, 2nd Edition
FinTech has emerged as a pivotal research area in modern finance, integrating cutting-edge technologies to address the evolving challenges of the financial industry. Recent advancements in machine learning (ML) and artificial intelligence (AI) have significantly enhanced the ability to analyze and interpret large-scale, complex financial data. These innovations have enabled more accurate forecasting, risk assessment, portfolio optimization, fraud detection, and algorithmic trading. The 2nd edition of the Special Issue of The Journal of Risk and Financial Management focuses on exploring the applications of ML and AI in finance, with an emphasis on the latest methodologies and their practical implementation in financial decision-making. This edition showcases a broad spectrum of research that leverages advanced ML techniques to uncover patterns in financial markets, improve investment strategies, and optimize financial risk management. By bringing together contributions from leading experts, this collection aims to further the integration of ML and AI within the finance sector, advancing both theoretical understanding and practical applications of these transformative technologies.
100% Financing For Your New Home Guaranteed. No FICO Score Requirement!
Learn how to receive 100% financing when buying a home and financial secrets that Banks do not want you to know. If you follow the instructions in this book you will learn four ways to purchase a single family home or 2-4 unit building with good or bad credit and still receive 100% financing. If you have been on your job for at least two years or in the same line of work for two years and can afford the home the programs in this book are for you. One of the four programs in this book does not require a FICO Score. You will also learn how to save thousands of dollars and build your net worth from a proven blueprint used by successful Investor's throughout the USA. Knowledge is Power and Life is what you make it. Get out of the rat race and take control of your financial future by applying the principles in this book.
The 100 Trillion Dollar Wealth Transfer
'A thought-provoking read.' -- Financial Times 'Everybody in finance and wealth management should read this book - as soon as possible.' -- Alec Marsh, Spear's Magazine An insider's look into how Generation Z's focus on ethics, climate change and purpose will change capitalism forever. In the next ten years there will be an unprecedented wealth transfer from the so-called 'baby boomer' generation to the young. Never before will so much money - in housing, land, stocks and cash - be shifted so suddenly from one generation to the next, and never before does the next generation feel so differently about the future of the planet. As an investor in this new generation Ken Costa shows how environmental concerns and anxiety about equality and diversity are more than mere slogans; they are driving the future of the markets. So many issues stem from the financial gap between age groups - from cancel culture and fears about wokeness, to Generation Rent, protest movements and re-evaluations of history around subjects such as empire. Costa shows how we can build a more inclusive, purposeful capitalism, shifting focus away from the individual and more towards collaboration, compassion and community. This book shows us what the future of capitalism looks like, and demonstrates how boomers must work with the inspiring young, who see their mission not just to increase value for shareholders, but also to save the planet.
How Do I know You Won't Steal My Money?
This book is written to help the average person to make the right decisions about financial planning and investing. It discusses in layman's language key issues of 5 popular investments: annuities, REITS, mutual funds, exchange traded funds, and life insurance. It also helps answer questions about reverse mortgages, life settlements, and paying off a mortgage. It tells you how to find the right accountant, the right attorney, and the right professional financial planner. Very important are the stories about financial predators. For example Vern's experience with Jim Jones. Jones not only stole millions of people's assets but with his Kool Aid killing over 900 people in Jonestown. The stories help you to produce guardrails and alerts to help protect your money and other assets.
How Do I know You Won't Steal My Money?
This book is written to help the average person to make the right decisions about financial planning and investing. It discusses in layman's language key issues of 5 popular investments: annuities, REITS, mutual funds, exchange traded funds, and life insurance. It also helps answer questions about reverse mortgages, life settlements, and paying off a mortgage. It tells you how to find the right accountant, the right attorney, and the right professional financial planner. Very important are the stories about financial predators. For example Vern's experience with Jim Jones. Jones not only stole millions of people's assets but with his Kool Aid killing over 900 people in Jonestown. The stories help you to produce guardrails and alerts to help protect your money and other assets.
Extinction of Tax as We Know It
This is the first business-fiction novel to tell the real, unfiltered story of tax and finance professionals in what the world believes is the "age of AI".The world is dazzled by automation, ERP upgrades, e-invoicing mandates, and AI breakthroughs. However, within corporations, a different reality unfolds: broken data, political landmines, failed systems, fragile governance, and leaders who are far from prepared for the future they claim to embrace.Extinction of Tax As We Know It pulls you directly into that hidden battlefield.When Maria Mehta becomes CFO of AlphaCorp, she steps into a role surrounded by prestige-and buried in dysfunction. Beneath polished dashboards and confident board presentations lies a messy truth: AlphaCorp is held together by spreadsheets, patchwork data, and decades of unresolved tax and technology debt.And standing firmly against change is Sophia Chan, the brilliant yet evasive Head of Tax who has mastered the art of survival through ambiguity, deflection, and hierarchy. She represents everything that resists transformation-fear, control, and political manoeuvring disguised as expertise.To break the cycle, Maria turns to two unexpected forces: Aldo Maseko, a Gen Z CTO prodigy who sees systems as ecosystems and data as destiny.Abhishek Iyer, a quiet transformation specialist whose past success and painful failure reveal the difference between tools and true orchestration.Together, they unravel a pattern of failing ERPs, incorrect tax setups, collapsing e-invoicing designs, and cross-border risks hidden inside "business-as-usual." As they confront Sophia's passive sabotage, country-team resistance, and boardroom hostility, AlphaCorp transforms into a courtroom-where every meeting feels like testimony, every escalation a verdict.Amid the chaos lies a larger truth: AI will not save organisations that cannot save themselves.Without governance, aligned teams, clean data, and courageous leadership, even the most advanced technologies turn into expensive illusions.This novel doubles as a transformation playbook for the modern enterprise, revealing: Why tax, finance, IT, and operations must evolve into Fusion TeamsWhy the future belongs to Fusion Professionals-those who speak the languages of data, systems, tax, processes, and leadershipWhy e-invoicing will reshape organisational DNAHow AI's hype collides with the harsh reality of organisational unreadinessHow politics destroys transformation long before technology doesThrough corporate warfare, emotional truths, and high-stakes decision-making, Extinction of Tax As We Know It exposes what global professionals live through but rarely speak about.This is the book for: CFOs, tax leaders, ERP teams, technologists, consultants, auditors, transformation professionals, and every ambitious Gen Z or millennial shaping the future of work.If you've ever survived an ERP project, lived through a tax audit, or navigated corporate power games, this book will feel like home. Once you read it, you will never look at tax, technology, leadership, or organisational transformation the same way again.
The Exit Plan
Most entrepreneurs dream of building a company that lasts, but few stop to ask: what happens when it is time to step away? This book challenges the conventional mindset by showing that a business is strongest when it can thrive without its founder. Instead of treating the exit as an afterthought, it reframes it as the ultimate design principle-shaping every decision from valuation to leadership succession. Through vivid case studies, rigorous frameworks, and practical reflection prompts, readers discover why investors value business valuation differently than founders, why systems-not personalities-drive lasting value, and how succession planning for entrepreneurs preserves both profit and legacy. It reveals the hidden traps of waiting too long, neglecting documentation, or clinging too tightly to identity-and offers a clear path to building a company others are eager to buy. This book is written for founders, leaders, and investors who want to understand not just how to grow but how to sell your business on their terms. Whether you are years away from an exit or simply want to design a more resilient, scalable organisation, you will gain clarity on when to sell, who to sell to, and how to protect what matters most. The outcome is more than financial-it is freedom: the ability to step away knowing your company endures, and your legacy remains intact.
Extinction of Tax as We Know It
This is the first business-fiction novel to tell the real, unfiltered story of tax and finance professionals in what the world believes is the "age of AI".The world is dazzled by automation, ERP upgrades, e-invoicing mandates, and AI breakthroughs. However, within corporations, a different reality unfolds: broken data, political landmines, failed systems, fragile governance, and leaders who are far from prepared for the future they claim to embrace.Extinction of Tax As We Know It pulls you directly into that hidden battlefield.When Maria Mehta becomes CFO of AlphaCorp, she steps into a role surrounded by prestige-and buried in dysfunction. Beneath polished dashboards and confident board presentations lies a messy truth: AlphaCorp is held together by spreadsheets, patchwork data, and decades of unresolved tax and technology debt.And standing firmly against change is Sophia Chan, the brilliant yet evasive Head of Tax who has mastered the art of survival through ambiguity, deflection, and hierarchy. She represents everything that resists transformation-fear, control, and political manoeuvring disguised as expertise.To break the cycle, Maria turns to two unexpected forces: Aldo Maseko, a Gen Z CTO prodigy who sees systems as ecosystems and data as destiny.Abhishek Iyer, a quiet transformation specialist whose past success and painful failure reveal the difference between tools and true orchestration.Together, they unravel a pattern of failing ERPs, incorrect tax setups, collapsing e-invoicing designs, and cross-border risks hidden inside "business-as-usual." As they confront Sophia's passive sabotage, country-team resistance, and boardroom hostility, AlphaCorp transforms into a courtroom-where every meeting feels like testimony, every escalation a verdict.Amid the chaos lies a larger truth: AI will not save organisations that cannot save themselves.Without governance, aligned teams, clean data, and courageous leadership, even the most advanced technologies turn into expensive illusions.This novel doubles as a transformation playbook for the modern enterprise, revealing: Why tax, finance, IT, and operations must evolve into Fusion TeamsWhy the future belongs to Fusion Professionals-those who speak the languages of data, systems, tax, processes, and leadershipWhy e-invoicing will reshape organisational DNAHow AI's hype collides with the harsh reality of organisational unreadinessHow politics destroys transformation long before technology doesThrough corporate warfare, emotional truths, and high-stakes decision-making, Extinction of Tax As We Know It exposes what global professionals live through but rarely speak about.This is the book for: CFOs, tax leaders, ERP teams, technologists, consultants, auditors, transformation professionals, and every ambitious Gen Z or millennial shaping the future of work.If you've ever survived an ERP project, lived through a tax audit, or navigated corporate power games, this book will feel like home. Once you read it, you will never look at tax, technology, leadership, or organisational transformation the same way again.
Decoded Decisions
Decoded Decisions: Behavioural Finance Meets Artificial Intelligence explores the swiftly changing financial world where technology intersects with psychology. As innovations like smart wallets, robo-advisors, AI-powered trading systems, and algorithmic nudges transform money management, the line between human intuition and machine accuracy becomes less distinct. This book emerges from a profound interest in this new realm-where behavioural economics intersects with digital progress. Through a multidisciplinary perspective, it examines how new technologies are not only altering the mechanics of personal finance but also transforming our understanding of value, choice, and financial health. By applying behavioural finance concepts such as loss aversion, mental accounting, overconfidence, and impulsivity, it explores how these biases are either intensified or mitigated in digital settings. Real-world fintech applications and case studies demonstrate the psychological effects of design decisions-from gamification and predictive analytics to nudges and algorithmic persuasion. Importantly, the book balances optimism about fintech's ability to improve financial literacy and inclusion with a critical examination of the ethical challenges posed by profit-driven platforms. How can we ensure that innovation empowers rather than exploits? What protections are necessary when machines influence decisions traditionally made by personal choice? Ideal for finance students, behavioural economists, fintech developers, policymakers, and curious investors, Decoded Decisions provides practical insights and profound reflections. It encourages readers to not only comprehend the tools of digital finance but to engage with them thoughtfully and deliberately. In a rapidly advancing technological world, the wisest decisions are those made with both intelligence and humanity.
Lombard Street A Description Of The Money Market
Lombard street: A description of the money market offers a penetrating analysis of the financial systems that underpin modern capitalism. Walter Bagehot examines the intricate workings of London's banking network, portraying it as both a powerful and fragile mechanism that drives economic stability and growth. He presents Lombard Street as the beating heart of the global money market, where credit, trust, and liquidity intertwine to sustain commerce. Rejecting purely theoretical discussions, Bagehot grounds his insights in the practical realities of banking institutions, exploring how they manage deposits, loans, and reserves. He exposes the delicate balance between confidence and panic that defines financial life, emphasizing the need for sound policy and disciplined management. His observations on the circulation of capital between agricultural and industrial regions illustrate the interdependence of rural savings and urban enterprise. The work remains a cornerstone in understanding how financial systems evolve under pressure, blending clear economic reasoning with enduring relevance to both scholars and practitioners.
J.K. Lasser's Small Business Taxes 2026
Straightforward small business tax guidance from America's favorite expert In the newly revised J.K. Lasser's Small Business Taxes 2026: Your Complete Guide to a Better Bottom Line, small business attorney and tax expert Barbara Weltman delivers small business tax planning info based on the new tax law. You'll discover the exact steps you need to take to minimize your 2025 tax bill and position your business for tax savings in the year ahead. The book contains comprehensive and straightforward guidance that walks you through which deductions and credits to look out for and how to use them. Weltman shows you the tax relief and newly created write-off opportunities legally available to your small business--as well as how to claim them on your IRS forms--and what records and receipts you'll need to keep. You'll also find: Tax facts, strategies, checklists, and the latest info you need to make sure you pay Uncle Sam what he's owed - and not a penny more Sample IRS forms that show you how to properly claim applicable deductions and credits New tax laws, court decisions, and IRS rulings that impact your bottom line A complimentary new e-supplement that contains the latest developments from the IRS and Congress An essential resource for small business owners, J.K. Lasser's Small Business Taxes 2026 is your personal roadmap to shrinking your tax bill while making sure you pay your fair (and legal) share.
Double Up Money Mastery
You only need to double 瞿10,000 ten times to make 瞿10 million.Read that again.Most people think building serious wealth requires genius, luck, or family money. They're wrong. It requires mathematics - simple, boring, beautiful mathematics that's been creating wealth for centuries.The brutal reality: Every day you delay costs you compound returns. While others chase get-rich-quick schemes or accept financial mediocrity, a small group of people use a systematic method to build extraordinary wealth starting with ordinary amounts.The DUMM method isn't theory - it's a proven system: Turn modest stakes into millions through systematic doublingApply borrowing leverage safely to compress your timeline by decadesWork out the most tax friendly environment to do itBuild wealth as a side hustle while keeping your day jobJoin a community of ordinary people achieving extraordinary resultsIf you're tired of making other people rich, this book shows you how to systematically build your own wealth using principles that work whether you're starting with 瞿1,000 or 瞿100,000.The mathematics are simple. The system is proven. The community is waiting.Stop hoping. Start doubling.
How Money Works
Ever thought to yourself, I wish I knew that when I was younger? Or, why didn't somebody tell me that before now?! Of course, you have, most everyone has. The information about how money works in this book is that kind of information. It can help people who are just starting off on their own and need to know the importance of money management and what having good or bad credit really means. It can also be used by others to see the long-term effects of certain monetary decisions.The format answers questions with a short version of an answer and a long version. This makes the book a good reference that you can continue to use in the future to guide you when making important financial decisions.
Trends and New Developments in FinTech
This Reprint of the Special Issue titled "Trends and New Developments in FinTech" contains ten papers, eight research articles and two review papers. The topics discussed in the Reprint's eight research papers include FinTech innovations in banking (risk-scoring models, racial and ethnic disparities in mortgage-lending outcomes across different lender types and robo-advising financial services), financial technology development (Lithuania's FinTech sector development), and financial assets (the use of crypto-assets/currencies in financial payments and the drivers and impacts of wider cryptocurrency adoption). The two review papers deal with the dynamic interaction between financial literacy and higher education using bibliometric analysis and the examination of recent trends and developments between Generative AI (GAI) and finance.Overall, this Reprint offers insights into new FinTech developments in digital banking services such as robo-advising and mortgage-lending activities, the development of FinTech in the Lithuanian economy, and the use of cryptocurrencies and crypto-assets in digital payments. Finally, the review papers discuss the impact of Generative Artificial Intelligence in the area of finance and the significance of financial literacy in education. All papers offer important suggestions, and warnings of potential dangers, in using FinTech in various everyday life activities by retail and institutional market participants. Policy-makers should also heed these recommendations in order to apply prudent policies and regulatory schemes for the benefit of the society as a whole.
World's Greatest Books for Wealth and Success (Set of 4 Books - Ideal Gift Set)
World's Greatest Books for Wealth and Success: The Ultimate Collection of Timeless WisdomUnlock the path to lasting success with this beautifully curated box set featuring four of the most influential self-help and personal development classics of all time. From building financial independence to mastering human connection, each book offers timeless strategies to help you grow, lead, and thrive. With elegant gold foiling and a premium paperback finish, this collection delivers not just wisdom--but an elevated reading experience. Includes four all-time classics on wealth, mindset, influence, and personal growthTimeless lessons from renowned authors like Napoleon Hill, Dale Carnegie, and moreInspiring real-world success stories that demonstrate practical applicationActionable techniques to improve communication, confidence, and decision-makingElegant gold foiling and premium paperback design make it perfect for gifting or collecting Includes: Think and Grow Rich by Napoleon HillThe Richest Man in Babylon by George S. ClasonThe Power of Your Subconscious Mind by Dr. Joseph MurphyHow to Win Friends and Influence People by Dale Carnegie
The Money Within
The Money Within Transform Your Financial Future by Mastering the One Asset You Can Control: Your BehaviorDo you ever wonder why, despite following every budgeting rule and investing tip, you still feel anxious about money? Or why a market downturn sends you into a panic, even though you "know" it's part of the long game? The Money Within by Elias Morgan reveals that the secret to lasting wealth isn't hidden in spreadsheets or complex strategies-it lives inside you, in the patterns of thought and habit that shape every financial choice you make.Drawing on the latest findings in behavioral economics, psychology, and neuroscience, The Money Within guides you through a transformational journey: from reactive fear and impulsive spending to calm confidence and intentional action. Through vivid case studies, warm personal anecdotes, and hands-on exercises, you will learn to harness the power of your own mind-turning self-awareness, emotional resilience, and daily rituals into your most reliable financial assets.Inside, you'll discover: The Behavioral Blueprint: How your brain's ancient survival wiring sabotages modern money decisions, and how to retrain it for prosperity.Automated Action Plans: Step-by-step frameworks for automating savings, investing, and generosity so that good financial habits become effortless.Compounding Your Character: Why patience, long-term thinking, and contentment matter more than market timing, and how small daily wins amplify over years.Redefining "Enough": Practical guidance to escape the comparison trap, define your personal threshold of sufficiency, and reclaim peace of mind.Emotion-to-Insight Exercises: Journaling prompts, reflection questions, and behavior-change challenges that turn theory into life-changing practice.Whether you're just beginning your financial journey or seeking to fortify decades of experience, The Money Within offers a fresh paradigm: invest first in yourself-and the returns will follow."A riveting, deeply human approach to money that will change how you think, feel, and act around your finances." - Dr. Marina Alvarez, Behavioral EconomistAre you ready to break free from fear, recharge your relationship with money, and build a future of real abundance-inside and out? Scroll up and click "Buy Now" to start cultivating the behaviors that will compound into a lifetime of financial confidence, freedom, and fulfillment.
Risk Management for Cryptocurrency Portfolios
Cryptocurrencies have transformed finance by opening new avenues for investment and innovation, while exposing portfolios to extreme volatility, fat tails, liquidity shocks, and shifting regulation. Risk Management for Cryptocurrency Portfolios provides a rigorous, practice-oriented toolkit for this landscape. The book blends postmodern portfolio theory, heavy-tailed statistics, and empirically tested optimization methods into a coherent framework tailored to digital assets.Starting from the data, the authors assemble a consistent set of 40 major tokens and examine hourly performance, stylized facts, and benchmarks. They study stationarity, the non-normal nature of returns, and tail risk using Hill estimators and generalized Pareto modeling and quantify distances between return series to guide diversification. The portfolio core begins with mean-variance analysis, the capital market line, and coherent risk measures. Building on this foundation, the book develops mean-CVaR optimization and equivalent formulations, with MATLAB implementations and step-by-step case studies.Strategy chapters compare long-only and long-short constructions, including Jacobs et al. and Lo-Patel approaches, momentum variants, and portfolios under turnover constraints. Performance is evaluated with maximum drawdown and widely used ratios such as Sharpe, Sortino-Satchell, and the Rachev ratio.The dynamic optimization introduces ARMA(1,1)-GARCH(1,1) models with Student's t-innovations, multivariate t-distributions and t-copulas, and the simulation of return scenarios. Robust optimization addresses model misspecification by treating observed return distributions as uncertain; readers learn box and ellipsoidal uncertainty sets, Kantorovich distances between discrete distributions, and robust CVaR portfolios on historical data. Validation is integral. A backtesting suite consisting of value-at-risk tests, including binomial and traffic-light procedures, plus Kupiec, Christoffersen, and Haas tests, assesses model quality and contrasts historical, dynamic, and robust allocations. Written for practitioners, analysts, researchers, and graduate students, the text is selfcontained and comprehensive. Clear exposition, empirical examples, and ready to run MATLAB code make advanced methods usable in day-to-day portfolio construction. Risk Management for Cryptocurrency Portfolios equips readers with insight and tested techniques needed to build, stress-test and refine crypto portfolios with confidence.
Bank Treasury Management
The Moorad Choudhry Global Banking Seriesedited by Professor Moorad Choudhry The Moorad Choudhry Global Banking series is a new collection of books aimed at market practitioners, academics and graduate students in key areas of global banking. It covers core topics such as risk management, corporate governance and strategy, as well as recent developments affecting the future of banking, including digital banking, machine learning, fintech, blockchain and the latest in product development. The series is designed to be all-encompassing, with titles ranging from technical and specialist areas such as derivatives central clearing to wider areas of social interest such as corporate governance and corporate social responsibility in banking. It aims to present current and future best-practice in all aspects of banking, from the world's leading writers on this topic. Authors will be experienced and respected practitioners and academics from globally recognised institutions. The series engages a global perspective on the changing nature of banking. It seeks authors with innovative approaches to the subject or an interest in challenging established conventions. It welcomes both monographs and edited collections that share these aims. We are looking for interesting new book proposals, which might include: - Individual monographs which allow research ideas to be developed at greater length than might be possible in journal articles - Edited volumes which draw together multiple contributors from different organisations and institutions around a particular theme - Technical publications covering specialist topics - Contributions which offer novel approaches to any aspect of banking. Series Editor: If you are interested in submitting a proposal or have any questions, please contact the Series Editor: mooradchoudhry@gmail.comProfessor Moorad ChoudhryP.O. Box 101 East Horsley KT24 5EUEnglandMobile/WhatsApp +447767624942 Moorad Choudhry about his series at De Gruyter: https: //www.youtube.com/watch?v=VYFpIjrz8Yo&list=PLfcENNPixVmNtH86X0G6YnYOF9GLh3Tu9&index=3
It's About Tyme
Imagine starting with a bold mission in 2012: to achieve financial inclusion through a multi-country bank. Within a decade, this vision becomes one of the fastest-growing fintechs in the world.Now, picture starting this business in South Africa, a country the IMF ranked as the hardest place to do business out of 49 countries surveyed. Imagine having the foresight to partner with a family-owned food retailer to establish a low-cost, physical banking footprint. Such success didn't go unnoticed and one of the world's largest banks acquired the company. A clash of cultures followed and, just four years later, the divestment. Despite the risks, one of South Africa's wealthiest entrepreneurs stepped in to take control. Then came Covid-19. The business nearly hit the wall and shareholders demanded a successor of their choosing be trained. A frantic 217 pitches for fresh capital yielded no success. And then, at the eleventh hour, there was a reprieve as one investor and then another stepped up.Now, imagine launching in the Philippines, replicating and improving what works while designing an entirely new cloud-based banking stack with over 500 Vietnamese developers. Imagine assembling a team from Italy, the US, the UK, South Africa, Vietnam, the Philippines, Australia, India and Zimbabwe. Picture shaping a culture where failure is part of growth, and audacity is the norm, not the exception. Imagine becoming the global poster child for AI in banking and receiving an email in June 2025, informing you that your company is one of Time magazine's Top 100 most influential companies in the world. This incredible story unfolds within the pages of It's About Tyme. As Roger Grobler, a long-standing investor in Tyme puts it, 'Courage and audacity are not just bold strategies - they're the safest. Because playing it safe is, ironically, the riskiest thing you can do.'
How to Listen When Markets Speak
A New York Times bestselling author and leading expert on market risk argues that seismic shifts in the global economy will trigger a multi-trillion-dollar migration of wealth, outlining new rules of investing for the forward-thinking. "I can't tell you how much I learned from How to Listen When Markets Speak. The historical perspectives and insights are something every investor needs to know. Buy this book."--Mark Cuban From Wall Street to the White House, the fantasy of an eventual "return to normal" is still alive and well, nurtured by dangerously outdated theories. But the economic world as we know it--and the rules that govern it--are over. In the coming decade, we'll witness sustained inflation, a series of sovereign and corporate debt crises, and a thundering of capital out of financial assets into hard assets. Few are prepared. Lawrence G. McDonald, founder of the economic research platform The Bear Traps Report, got a real-world education in market risk when, as a Lehman Brothers VP, he watched the firm ignore flashing warning signs before its collapse. His analysis led him to identify twenty-one indicators for gauging the health of an economy and detecting early signals of opportunity and danger. In How to Listen When Markets Speak, McDonald unveils his unique predictive models, connecting surprising dots between past, present, and future and outlining actionable trading ideas for staying a beat ahead of the markets. Readers will learn: - How disastrous Fed policy will collide with an increasingly fragmented geopolitical landscape to keep U.S. inflation near 3-5% for the next decade - How growing demand for oil and gas, underinvestment in urgently needed energy infrastructure, and cozy Russia-Saudi Arabia relations will lift the base price of energy to historic levels - Why hard assets and rare minerals like lithium and cobalt will outperform growth stocks, U.S. treasuries, and overcrowded passive investment strategies--and how to detect bearish and bullish trends in advance - How passive investing and the vehicles intended to democratize finance have fueled bubbles and ideological skew by large market participants, leaving millions of 401(k)s and IRAs at risk - Why America will likely lose its position as a global superpower and holder of the world's premier reserve currency, and may be forced to slash Social Security, Medicare, and military spending Rather than merely doomsaying, How to Listen When Markets Speak equips readers to make sense of our current moment, resist reactionary narratives and baseless analysis, and preserve their wealth in turbulent times. When markets speak, it pays to listen.
Rethinking Taxation for Growth in Latin America and the Caribbean
Rethinking Taxation for Growth in Latin America and the Caribbean: Objectives, Behavioral Responses, and Technological Advances argues for a shift beyond the traditional focus on collection efficiency and equity to explicitly include economic growth as a primary objective. It highlights how taxpayers' behavioral responses and technological advancements reshape the effectiveness and trade-offs of core taxes.The report introduces targeted cash transfers (TCTs) as a powerful new instrument for achieving equity, potentially allowing for more neutral and efficient revenue collection through other taxes like value added tax (VAT). It challenges the conventional view of VAT as inherently regressive in the region's informal economies, suggesting that consumption-based analysis reveals a less clear-cut picture. The report cautions against excessively high standard VAT rates, which can hinder growth, and suggests reevaluating reduced VAT rates in favor of broader base consumption taxes coupled with TCTs.The report argues that the high corporate income tax (CIT) rates in the Latin America and the Caribbean region, coupled with a challenging business environment, incentivize evasion and discourage investment. It advocates for reducing CIT rates to align with other emerging markets, improving enforcement, and exploring public-private partnerships for tax collection.Regarding the personal income tax (PIT), the report notes a narrow base despite high top marginal rates, which may penalize entrepreneurship. It suggests moderately broadening the tax base rather than further increasing top rates. It also proposes focusing on property taxes as a more viable form of wealth taxation, given the prevalence of tangible assets and the increasing feasibility of accurate valuation through technology, contrasting this with the difficulties of taxing highly mobile financial assets.With recommendations for strategic adjustments to VAT and CIT rates, a moderate expansion of the PIT base, and more effective property tax policy, this report provides policy makers, business leaders, and researchers with a practical framework for building more effective, equitable, and growth-oriented tax systems in Latin America and the Caribbean. The analysis is grounded in context-specific insights, encouraging a nuanced approach that considers both behavioral responses and technological progress.
After the Fall - Worldwide Financial & Economic Collapse. A Real-World Survival Guide
Navigate the chaos of a global economic collapse with confidence and foresight, even if you've never studied business & economics. Have you ever wondered how you can safeguard your financial future amidst a looming economic crash? Are you anxious about a potential financial collapse that could disrupt your savings, investments, and livelihood? You're not alone. Around the globe, ambitious entrepreneurs, investors, are seeking strategies to thrive during turbulent times. In this essential book, you'll uncover strategies to survive and thrive during a financial and economic downturn: How the monetary, financial, and economic systems work, and how they directly impact your finances.Top personal & business strategies for financial management during economic downturns, helping you protect your wealth.Most common mistakes people make during financial crises and how to avoid them.The role of government & non-government institutional policies in financial stability, and how to navigate their impacts.Learn from past economic crises around the world, and the invaluable lessons they teach us today.Understand inflation, hyperinflation, deflation, and stagflation, and how to use inflation-adjusted accounting for clear data-driven decisions. The hard-asset backstop helps preserve your wealth from continuous currency devaluation. What works and what doesn't work during a financial crash.Expert insights on building mental resilience and adaptability for financial survival.Real-world case studies & reflection exercises that teach you how to think like a commando during a crisis.The top financial and economic indicators used to predict an economic & financial collapse.Turning economic instability into growth opportunities for a better future.Post-collapse innovative strategies that ensure it does not happen again....and so much more!This book offers actionable real-life experience, with clear explanations. Accessible even for those without an economics or finance degree. Evidence-based analysis and global perspectives empower you to make informed decisions without the bias and jargon found in business books. Whether you are a community leader, a family protector, or a business owner, this guide provides the tools and confidence you need to face the upcoming economic challenges head-on.Don't let fear of the unknown keep you from taking control of your financial future. Prepare now!
