Rich by Choice
Are you financially happy?When speaking at financial events, Dr. Nicholas E. Michels asks, "I'm here to help you become rich and wealthy. Is that okay with you?" A resounding "Yes!" echoes throughout the room. Next, he poses the question, "When do you want to retire?" The crowd is hooked. "Today!" they shout. Nicholas pauses for a moment, then looks across faces in the room. He asks the final question: "How much money do you need to live the life you want?"If you are like so many others that Nick helps, the answer to that question eludes you. Most people, while eager for wealth, have never truly considered what it would take to live the life of their dreams. Becoming Rich by Choice isn't tied to a dollar amount; it's about what you want money to do for you.In Rich by Choice, Nick uses his expertise as a seasoned financial advisor to show you how to: Build a solid Foundation so you know your purpose (why) and focus (who) for creating lasting financial securityUnderstand the Fundamentals of earning, spending, and investing so you can achieve financial happinessExperience the Freedom that comes with mastering the secrets to financial freedom and experience the truth of being Rich by ChoiceNo matter your age or current financial situation, it's never too late to become Rich by Choice.Start on the path to being Rich by Choice today!
What Next?
If you're feeling uncertain about life after stopping work, here's how to design your own unique map for your future.
10 Things I Love about Money
An accessible playbook for a brighter financial future In 10 Things I Love About Money: Simple Rules to Spend your Way to Wealth, author Mathew Megens, founder of the money management app HyperJar, delivers an easy-to-follow roadmap to financial independence, security, and freedom that anyone can use. The book is packed with insightful tips you can action immediately, from simple strategies for mindful spending to automating your good habits. You'll also learn about how to get - and stay - out of debt, and how to save money over the long term by taking advantage of discounts, loyalty programmes, and debt refinancing. Inside the book: Advice for understanding how to accumulate wealth based on your personality type 10 Rules for Financial Mastery, including how to start with a spending audit and the power of tiny daily habits Simple strategies to start investing today without getting ripped off Learn how to make saving money as much fun as spending money The perfect roadmap to financial wellness for students andworking people of any age, 10 Things I Love About Money is the no-nonsense, jargon-free guide to money, spending, debt, and wealth that you've been waiting for.
Navigating a Toxic Workplace for Dummies
This friendly, compassionate guide is the antidote to workplace toxicity Toxic workplaces can be bad for your mental and physical health, and they're one of the leading causes of employee turnover. Navigating a Toxic Workplace For Dummies explores what causes work environments to turn sour, and what you--as an employee, manager or leader--can do about it. You'll learn why people engage in toxic behavior like bullying, harassment, exclusion, and disrespect at work. More importantly, you'll gain the tools and skills to counter that behavior with positivity. Every individual, at every level of an organization, can make a difference in detoxifying the workplace. Don't let the stress of your job environment weigh you down. Let this Dummies guide teach you to support yourself and the people around you. Discover the signs and symptoms of a toxic workplace Learn why people do toxic things, and how to protect yourself Get advice on reporting harassment and other behaviors to HR Understand how to make organizational change as a manager, HR or leader Lead your organization in a detoxification campaign Navigating a Toxic Workplace For Dummies is a must for anyone who has dealt with or is currently dealing with a toxic situation at work, as well as managers and leaders committed to resolving toxic situations.
How Countries Go Broke
#1 NEW YORK TIMES BESTSELLER "Advance copies of Ray Dalio's new book about how countries go broke have become a hot read in Washington." --The New York Times "This book is a gift to humanity....Ray provides a solution to what is the biggest and most certain threat to our prosperity." --Henry M. Paulson Jr. "An invaluable resource for policymakers, investors, and citizens." --Lawrence H. Summers An urgent warning about the American economy from Ray Dalio, the #1 New York Times bestselling author of Principles. Do big government debts threaten our collective well-being? Are there limits to debt growth? Can a big, important reserve currency country like the United States really go broke--and what would that look like? For decades, politicians, policymakers, and investors have debated these questions, but the answers have eluded them. In this groundbreaking book, Ray Dalio, one of the greatest investors of our time who anticipated the 2008 global financial crisis and the 2010-12 European debt crisis, shares for the first time his detailed explanation of what he calls the "Big Debt Cycle." Understanding this cycle is critical for helping policymakers, investors, and the general public grasp where we are and where we are headed with the debt issue. Dalio's model points toward surprisingly straightforward solutions for dealing with the debt problems that the US, Europe, Japan, and China face today. How Countries Go Broke also shows how these debt problems are related to the other forces--political within countries, geopolitical between countries, natural (droughts, floods, and pandemics), and technological (most importantly, AI)--that together are causing what Dalio calls the "Overall Big Cycle" changes in the world order. By reading this book, you will improve your understanding of what's happening now and what to do about it.
New Approaches to Csr, Sustainability and Accountability, Volume VI
Start Small, Think Big
Start Small, Think Big is the journey of three friends who form a financial freedom club born out of the anxiety-inducing complexities of the mainstream investing world to figure out a better way to plan their future. Their journey breaks down the complex financial world into a step-by-step investment plan that helps them understand the importance of taking control of their own financial futures.The book explores traditional investment ideas, such as bonds, stocks, and real estate, as well as more complex concepts, such as the Magnificent Seven, cryptocurrency, and Bitcoin. Every chapter will help you understand risk and return, and that investing doesn't have to be complex.This book is designed to give the beginner investor the confidence to create a personalized financial freedom plan. Its easy-to-read format helps to keep the reader engaged and entertained so they can feel confident to invest on their own. No matter how early you are in your investment journey, you can start small and create a financial plan that will increase your wealth and let you dream big.
The 7 Habits on the Go
A Condensed Guide to Improving Personal and Business Health and Reducing Stress"If you follow this simple process, I promise that you will see positive changes in your relationships and find a higher level of personal satisfaction in your life." ―Sean Covey, author of The 7 Habits of Highly Effective TeensThe world is changing dramatically and it's easy to be alarmed and lose focus of what matters most. Don't fall into that trap! Build leadership skills, boost productivity, and learn and apply the time-tested principles of The 7 Habits of Highly Effective People.It's never too late to develop a growth mindset. Want to discover life-changing habits that will propel you toward a more productive and effective life? This compact adaptation of Stephen R. Covey's all-time international bestseller, The 7 Habits of Highly Effective People, offers an efficient―yet in-depth―guide to becoming your best self and reaching your goals.Less stress, more success. Readers who have never learned The 7 Habits before―as well as longtime fans who want a refresher―will find wisdom, direction, self-reflection, and life-affirming challenges that easily can be applied to your professional and personal life. The 7 Habits on the Go isn't just a productivity planner or habit tracker. If you'll devote just minutes each day, you can develop the principles needed to stay proactive and positive.The positive paradigm shifts that The 7 Habits can produce help you: Break free of old beliefsMotivate toward meaningful change.Develop positive behaviors to bring clear communicationIf you're looking for motivational books, self-improvement books, or business books--or enjoyed How to Win Friends and Influence People, Atomic Habits, or High Performance Habits--then you'll love The 7 Habits on the Go.
The Everything Guide to Investing in Your 20s & 30s, 3rd Edition
All you need to know about investing safely and smartly, with new information on the latest options--from commodities to bitcoin to real estate and private equity--in this comprehensive and updated guide to understanding the current market, setting realistic goals, and achieving financial success. The Everything Guide to Investing in Your 20s & 30s, 3rd Edition is a comprehensive, step-by-step guide designed to navigate beginners through their investment journey. From understanding basic investment principles, to exploring a host of investment options, this book offers a broad perspective of the investment world. With a primary focus on those between the ages of twenty and forty, the book demystifies complex investment terminologies and strategies, making them easy to understand and apply. It contains practical advice on how to make wise investment decisions, insights on wealth growth, and tips to avoid common investment pitfalls. Including updated information on sustainable investing, investment apps, retirement savings, ETFs, and alternate investing. You will find specific examples of investment strategies, real-world scenarios, and several DIY investing options specifically tailored for their age group so they can start making their money work for them now!
Four Days a Week
Bestselling author, leading sociologist and economist Juliet Schor makes the case for a four-day work week, persuasively showing how this model can address major challenges such as burnout, AI and the climate crisis, and how employees, companies, and governments can work together to make it a reality. Around the world, long hours and intense pressure are taking their toll. When the pandemic hit in 2020, work-induced stress and burnout skyrocketed. Many reached a breaking point. Now, three-quarters of the world's employees are disengaged and struggling, including in the US and Canada, where half are experiencing high levels of daily stress.Our current work culture, the five-day, forty-hours-a-week model--which has gone unchanged for nearly a century--is failing. But a remedial countertrend has emerged: the four-day work week. Kickstarter, Bolt, Basecamp, ThredUp, and hundreds of other employers have eliminated the fifth day of work, successfully figuring out how to maintain productivity while seeing remarkable improvements in employee well-being. Hiring is easier and fewer people are quitting. These results are global. Working a four-day week, people feel energized, capable, and more optimistic about their lives--and their jobs.Four Days a Week is the first large-scale study of this trend. Juliet Schor--an expert who has researched and written about work for more than four decades, beginning with her New York Times bestseller The Overworked American in 1992--shares her pioneering analysis of the benefits of a shorter work week, how companies can achieve them, why the concept has taken so long to emerge and gain acceptance, and why doing so will help a company's employees and its bottom line. The book is a blueprint for implementing a change that once seemed radical, but is now within reach.
State of Social Protection Report 2025
The past decade has been a success for social protection, with coverage expanding to 4.7 billion people across low- and middle-income countries. The expansion of social protection is great news for the world's poorest. Yet, across low- and middle-income countries, 2 billion people remain uncovered or inadequately covered by social protection. Furthermore, many of the 4.4 billion people in low- and middle-income countries who benefit from social protection may not receive the type and intensity of support they need in a world in transition. The report documents advances and challenges to strengthen social protection and labor systems across low- and middle-income countries, and discusses avenues to gradually close the coverage gap for the world's poorest. The path of reforms will depend on country context, capacity and fiscal space. In low-income countries, the report argues for a gradual expansion of social protection, prioritizing the coverage of poor and vulnerable populations through social assistance and economic inclusion programs. In middle-income countries, the report calls for strengthening social protection and labor systems, expanding and integrating the offer of services, and increasing reliance on contributory social insurance. The rising frequency of shocks and crises - including climate-related - also calls for major investments in social protection and labor systems' adaptability and preparedness. To achieve more and better social protection, investments in delivery systems (such as social registries, case management, payment and monitoring systems) will be essential, as they support more effective and better tailored social policies, more progressive fiscal policies, and greater shock responsiveness. The time for boosting ambition is now. Growing headwinds of change demand both increased investment and a fundamental shift in approach - from short-term reactions to proactive, long-term adaptation, and from siloed actions to integrated agendas.
Solve Your Money Troubles
Get out of debt and regain your financial freedom. If you're overwhelmed by debt, facing collection calls, a wage garnishment, foreclosure, car repossession, or a lawsuit, Solve Your Money Troubles is for you. This comprehensive guide will help you deal with your financial problems. It provides the information you need to manage your debt, deal with financial emergencies, and formulate good practices for handling your money in the future.Solve Your Money Troubles provides the practical information you need to take financial control of your life. Learn how to: prioritize debts and create a budgetstop harassment by debt collectorsnegotiate with creditorsdeal with wage garnishment, car repossession, and foreclosurereduce or eliminate student loan paymentsknow what to expect if a creditor suesdecide if bankruptcy is the right option for you, andrebuild your credit.The new edition of Solve Your Money Troubles is updated with the latest legal developments in the areas of debt, credit, and bankruptcy. You'll also find sample forms you can use when negotiating with creditors, worksheets to help you create a plan to repay your debts, and other practical forms to help you get out of debt and make a fresh start.If you're in over your head with debts, don't let the problem continue to grow. Planning and carrying out a financial plan can be daunting, but it's vital to your economic well-being. This book provides step-by-step guidance that will help you come up with a game plan to control your spending, deal with your debts, and take action to reduce the amounts you owe. If you have excessive liabilities, Solve Your Money Troubles can help you sort out your financial problems, quickly and effectively.
Section 1031 Exchanges
Section 1031 Exchanges: How to Swap Till Ya' Drop, Building Family Wealth While Minimizing Taxes is a master class in tax-advantaged real estate investment, written to illuminate the potential opportunities and clarify the sometimes overwhelming complexities. Louis J. Rogers is bullish on education, and the pairing of his deep knowledge and his lived experiences at the center of the evolving real estate investment industry for over forty years shapes a substantial resource for those working in or curious about wealth management, real estate, alternative investments, and tax law.
Become Time Rich
Become wealthier--in every way that really matters--by effectively managing your time In Become Time Rich: How to Stop Being Busy and Start Getting Wealthy, celebrated financial educator and business coach Lloyd Ross delivers an exciting, practical, and insightful new take on how to effectively manage your time to help you reach exceptional financial and lifestyle outcomes. The book teaches you how to achieve more by doing less and spending the time you save on things you love that also enrich your life. You'll learn four powerful Time Rich laws with the potential to transform your life, work, and bank accounts. You'll also discover how you can apply the principles of purpose, elimination, leverage, and priority to dramatically improve every aspect of your day-to-day experiences. Inside the book: Captivating narratives and practical exercises that will liberate you from the pernicious myth that "being busy" equals "being wealthy" Real-world techniques to help you scale your time and multiply your efficiency How to set boundaries that help you hang on to your precious time without eliminating valuable opportunities A life-changing new discussion of how to manage, save, and keep more of life's most invaluable resource, Become Time Rich is an essential read for managers, executives, entrepreneurs, founders, young professionals, business leaders, and other busy people who want to spend more time doing what they love while simultaneously building the lifestyle they've always dreamed of.
Coming Into View
An expertly crafted evaluation of forces shaping the economy over the coming decade and portfolio management strategies designed to harness them In Coming Into View: How AI and Other Megatrends Will Shape Your Investments, Vanguard's Global Chief Economist and head of its Investment Strategy Group, Joe Davis, makes a simple and profound argument: that the "status quo" view of the United States economy - one of predictable and relatively constant measures of growth, inflation, and financial returns - is actually deeply unlikely to hold true in the future. The book demonstrates how the promise of artificial intelligence and technological advancement may push against the daunting headwinds of slowing population growth, rising geopolitical tensions and growing national debt, to reshape the economy in ways that conventional thinking overlooks. Davis presents an innovative and original, data-driven framework to consider the probabilities of the coming tug-of-war between AI-fueled growth and inflationary structural fiscal deficits, that can help guide investors as they build investment portfolios to weather uncertain years ahead. Inside the book: Effective strategies for investors attempting to prepare for different economic possibilities and scenarios in the world. New data and models to better quantify the impact of economic forces and uncover the risks of relying on consensus assumptions. Techniques to avoid common investment mistakes in times of economic change, such as doubling down on technology stocks, or avoiding certain types of investments. Guiding investing principles to help achieve greater financial returns, on a risk-adjusted basis. A must-read resource for professional and retail investors, Coming Into View is a startlingly insightful and practical guide for anyone seeking to engage with the financial markets as an informed and confident investor.
Conducting Narratives
How can the strategic direction for an organization be supported and communicated if planning, and even strategies, are no longer sufficient options in the age of complexity? In this book it is argued that sense-making communication defines contemporary societies and organizations in a world where narratives and the ability to engage in strategic improvisation are crucial. In the book, new and old ideas about communication and management are integrated into a framework rooted in the humanities and fine arts. The result is a new conceptual mindset for management which claims that jazz music, narrative theory, and improvisational theatre have more to offer to the development of organizations than traditional managerial models.
The Eppo/Olaf Compendium of National Procedures
This Maltese EPPO/OLAF volume provides practitioners in the justice sector and the general public with an overview of the Maltese law implementing the EPPO Regulation and the Maltese laws relevant to the EPPO's activities in Malta. It also explains the legal framework governing the investigative functions of OLAF and its national partners in external investigations. OLAF's investigations have already led to important national decisions over the past twenty years. Advocate Dr Veronica-Anne Spiteri acted as national expert for the publication. While the volume is written in English, its footnotes reproduce the original Maltese legislation in the local language. Easily navigable with the help of visual symbols, it is designed as a quick reference tool for academics, students, practitioners and other interested readers.
The Eppo/Olaf Compendium of National Procedures
This Belgian EPPO/OLAF volume focuses on criminal and administrative investigations in Belgium. It includes a comprehensive collection of material relating to Art. 26-33 EPPO Regulation and Art. 3-17 OLAF Regulation, addressing the national statutory law relating to Belgian fraud investigations. The handbook contains translations, a synopsis of the EPPO adoption law (17 FEVRIER 2021. - Loi portant des dispositions diverses en matiere de justice) and a list of the most important PIF offences (De PIF-misdrijven in Belgie). Prof Dr Frank Verbruggen and Pieter van Rooij have acted as the publication's national experts. While written in English, the volume includes footnotes that reproduce the original Belgian legislation in French. Easily navigable with the help of visual symbols, it is designed as a quick reference tool for academics, students, practitioners and other interested readers.
The Total Money Makeover Workbook Updated
Introducing Your Financial SolutionAre you tired of working hard day after day--and still feeling broke when you look at your bank account? Nationally syndicated radio host and money expert Dave Ramsey offers a step-by-step action plan to help you transform your finances in this essential companion piece to his New York Times bestseller The Total Money Makeover Updated and Expanded Edition.This newly updated workbook by Dave Ramsey provides a proven approach to achieve your financial goals by applying everything you learned in The Total Money Makeover Updated and Expanded Edition. Packed with the latest stats on debt, credit, and wealth building, this workbook guides you through Ramsey's straightforward game plan to change your money habits for good.After working through The Total Money Makeover Workbook, you'll be equipped to: Recognize the financial myths holding you backKick debt out of your life foreverBuild up a buffer so emergencies become inconveniencesFund college for your kids the right wayPay off your mortgage faster than you imagined possibleMake a retirement and wealth-building plan for a future you can be excited about Transform Your LifeThis isn't just about changing how you spend and save--it's about transforming your entire financial outlook. With thought-provoking questions and real-life success stories, this new and updated workbook will help you strengthen your money muscles and move that much closer to financial fitness! This isn't just about changing how you spend and save--it's about transforming your outlook money and ultimately changing your life.
Rich Girl Nation
From the founder of Money with Katie, a leveled-up finance guide for ambitious women everywhere--and a rallying cry for a new money movement Women experience money differently than men do. In the United States, women have only 55 cents for every dollar of wealth held by men, are more likely to end up in poverty following a divorce, and are less likely to retire with the resources they need. What can women do to build wealth and claim financial power in a system that wasn't designed for them? Katie Gatti Tassin, personal finance writer and host of the popular podcast The Money with Katie Show, has built an energized following of smart, ambitious women seeking a deeper understanding of the financial issues that affect them. In Rich Girl Nation, Tassin deconstructs the unique challenges women face on their journey to financial freedom, offering context and nuanced guidance on money matters including: Performing a budgetary "Hot Girl Detox"Proven salary negotiation strategies that effectively navigate gender biasInvesting frameworks that make you the leader of your financial lifeHow (and why) to create a prenupPreparing and saving for childcare efficientlyRetiring independently (and in a tax-optimized way)Packed with scrupulous research and Tassin's trademark wit, Rich Girl Nation uncovers the real story behind our financial system and shows us exactly how to thrive within it while we fight for broader change. It's time for women to unite in unapologetic financial autonomy with the net worths to show for it--and to change the playing field not just for ourselves but for the next generation of Rich Girls, too.
The Residential Pathway
The Residential Pathway - APC Essentials was written to facilitate and encourage candidates preparing for the RICS Assessment of Professional Competence (APC) to become Chartered Surveyors. The book will help candidates, their Counsellors and Supervisors to understand: - The requirements of the Residential pathway- The detail of the technical competencies- How to select suitable competencies- How to demonstrate the required knowledge and experience, and- How to succeed in the final interviewIt will also be a useful reference for AssocRICS candidates and qualified professionals.This concise book has clear headings to guide readers, with bullet-point checklists and signposting to key themes and important sources for further reading. It alerts readers to the need to be aware of changes and developments in the residential sector, and to the wider economic, social, and political factors that influence it. The book includes lists of relevant RICS (and other) professional publications, the laws and regulations that frame professional surveying practice, and example written submissions for the technical competencies at each level. It will help to motivate and reassure candidates, giving them confidence to recognise the value and relevance of their knowledge and practical experience, and to understand how to best apply this to demonstrate their professional competence.
Retirement 101, 2nd Edition
A comprehensive and easy-to-understand guide to the ins and outs of retirement planning--updated to include the latest information on new terminology, guideline updates, revised laws, and more making it the key resource for creating a retirement you can live on! How much do I need to retire? Can I retire early? What's the retirement age, anyway? No matter whether you're twenty-five, sixty-five, or any age in between, you probably have questions about retirement and knowing the answers is the key to planning your future. And with changes to essential retirement structures like investment accounts, social security and Medicare, it's important to stay up to date for your own benefit. Whether you want to retire as soon as possible or are looking forward to continuing to work in some form for as long as you can, Retirement 101, 2nd Edition guides you through each step as you approach this life-changing milestone. Now this 2nd edition includes updated information on: -Social security and Medicare -Investment account contributions -Required minimum distribution rules -Student debt payments -Enrollment changes -And more! From how to save for the day when you stop--or scale back--working to smart investment strategies to the best states to retire in to how to calculate your benefits, Retirement 101, 2nd Editions helps you create a retirement plan to accomplish your goals whatever they are.
Teachers' awareness, attitudes and practice of environmental education
