Investing is all about common sense. Owning a diversified portfolio of stocks and holding it for the long term is a winner´s game. Trying to beat the stock market is theoretically a zero-sum game (for every winner, there must be a loser), but after the substantial costs of investing are deducted, it becomes a loser´s game. Common sense tells us, and history confirms, that the simplest and most efficient investment strategy is to buy and hold all of the nation´s publicly held businesses at very low cost. The classic index fund that owns this market portfolio is the only investment that guarantees you your fair share of stock market returns. To learn how to make index investing work for you, there´s no better mentor than legendary mutual-fund industry veteran John C. Bogle. Over the course of his long career, Bogle, founder of the Vanguard Group and creator of the world´s first index mutual-fund, has relied primarily on index investing to help Vanguard´s clients build substantial wealth. Now, with The Little Book of Common Sense Investing, he wants to help you do the same. Filled with in-depth insights and practical advice, The Little Book of Common Sense Investing will show you how to incorporate this proven investment strategy into your portfolio. It will also change the very way you think about investing. Successful investing is not easy. (It requires discipline and patience.) But it is simple - for it´s all about common sense. 1. Language: English. Narrator: Thom Pinto. Audio sample: http://samples.audible.de/bk/aren/000602/bk_aren_000602_sample.mp3. Digital audiobook in aax.
The authoritative guide to governmental GAAP compliance, fully updated for 2019 Wiley GAAP for Governments 2019 is the definitive resource for accurate information on the latest pronouncements and guidelines applicable to state and local governments and entities. Designed as a practical application guide for professional users, this comprehensive resource provides expert coverage of all significant developments to governmental accounting principles over the previous year. Focusing on practical application, this essential guide provides detailed information on all relevant areas of GAAP including general and special revenue funds, capital project funds and debt service funds, derivative instruments, and many more. This book incorporates all of the pronouncements issued by the Governmental Accounting Standards Board (GASB) as well as proposed new statements or interpretations currently outstanding and relevant information on the GASB agenda for the upcoming year. Governmental accounting standards are continuously evolving, and practitioners must stay up to date with the latest changes if compliance is to be maintained. This invaluable guide offers in-depth guidance on GAAP standards, interpretation, applications, and procedures to help you: Keep pace with the latest accounting pronouncements Ensure compliance with all GAAP-required disclosure guidelines Understand how GAAP applies to school districts, public institutions, and individual pension plans Strengthen understanding of material with flowcharts, diagrams, and charts This efficiently organized guide enables users to locate, understand, and apply relevant information with ease. Wiley GAAP for Governments 2019 provides financial reporters with expert guidance and up-to-date information required to ensure compliance and lighten the workload. Highly regarded for its efficient and accurate coverage of material, this book is the definitive reference for financial professionals.
Your money can change the world. The Impact Investor: Lessons in Leadership and Strategy for Collaborative Capitalism offers precise details on what exactly impact investing entails, embodied in the experiences and best and proven practices of some of the world´s most successful impact investors, across asset classes, geographies, and areas of impact. The audiobook discusses the parameters of impact investing in unprecedented detail and clarity, providing both context and tools to those eager to engage in the generational shift in the way finance and business is being approached in the new era of collaborative capitalism. The book presents a simple thesis with clarity and conviction: ´´Impact investing can be done successfully. This is what success looks like, and this is what it requires.´´ With much-needed lessons for practitioners, the authors view impact investing as a harbinger of a new, more ´´multilingual´´ (cross-sector), transparent, and accountable form of economic leadership. The Impact Investor: Lessons in Leadership and Strategy for Collaborative Capitalism serves as a resource for a variety of players in finance and business, including: Investors: It demonstrates not only the types of investments that can be profitable and impactful but also details best practices that, with roots in impact investing, will increasingly play a role in undergirding the success of all investment strategies. Wealth advisors/financial services professionals: With unprecedented detail on the innovative structures and strategies of impact investing funds, the book provides guidance to financial institutions on how to incorporate these investments in client portfolios. Foundations: The book explores the many catalytic and innovative ways for for-profit and nonprofit investors to partner, amplifying the potential social and environmental impacts of philanthropic spending and market-rate endowment investment. PLEASE NOTE: 1. Language: English. Narrator: Tim Reynolds. Audio sample: http://samples.audible.de/bk/adbl/021410/bk_adbl_021410_sample.mp3. Digital audiobook in aax.
Why wait until 65 to retire when you can start doing what you really want when you are in the prime of your life? Whether your dream is to start your own business, volunteer, or work less, Chris Dumont provides a blueprint to early retirement and the best advice on the stock market to gain control of your finances today.After listening to this audiobook:You will learn how Chris went from being over $50,000 in debt to being debt-free, owning multiples properties, and a six-figure stock portfolio within four years.You will be more financially secure. Chris shows you how to pay off all your debts. Once you are debt-free, you can hit your savings goals.You will create a budget using an easy-to use-system, with savings and expenses automatically deducted.You will not spend hours managing your money. Once you set things up, managing your money will be so simple that you only focus on it once a month.You will also learn:Being happier with less by spending on what makes you happy.How much money you need to retire. (Hint: It’s not as much as you think!)Car advice on whether you should lease, own, or buy.Negotiating salaries and raises and incorporate side hustles to increase your income.Common investing mistakes to avoid and easy-to-understand index funds with ETFs.Tax-advantaged accounts you should use and why for both Americans and Canadians.Real estate advice and whether you should rent or own.And much more!Everything he shows you is...set and forget.You are covered by your emergency fund when you need it, from accidents to losing your job. Start using the concepts he teaches in this audiobook and retire in comfort in as few as 10 years. Once retired, learn how to stay active and accomplish what you have always wanted.What are you waiting for? Take control of your future today and star 1. Language: English. Narrator: Scott Panfil. Audio sample: http://samples.audible.de/bk/acx0/162347/bk_acx0_162347_sample.mp3. Digital audiobook in aax.
An up close look at an investment strategy that can handle today´s uncertain financial environment. Market uncertainty cannot be eliminated. So rather than attempt to do away with it, why not embrace it? That is what this book is designed to do. The Permanent Portfolio takes you through Harry Browne´s Permanent Portfolio approach - which can weather a wide range of economic conditions from inflation and deflation to recession - and reveals how it can help investors protect and grow their money. Written by Craig Rowland and Mike Lawson, this reliable resource demonstrates everything from a straightforward four-asset Exchange Traded Fund (ETF) version of the strategy all the way up to a sophisticated approach using Swiss bank storage of selected assets for geographic and political diversification. In all cases, the authors provide step-by-step guidance based upon personal experience. This timeless strategy is supported by more than three decades of empirical evidence The authors skillfully explain how to incorporate the ideas of the Permanent Portfolio into your financial endeavors in order to maintain, protect, and grow your money. Includes select updates of Harry Browne´s Permanent Portfolio approach, which reflect our changing times The Permanent Portfolio is an essential guide for investors who are serious about building a better portfolio. 1. Language: English. Narrator: Mark Delgado. Audio sample: http://samples.audible.de/bk/adbl/008902/bk_adbl_008902_sample.mp3. Digital audiobook in aax.
Phil’s finally graduated. He has an impressive new job at a hedge fund and a spacious Manhattan apartment. He even has a sexy roommate he met during college. Sure, she just wants to be friends, but he’s cool with that...until she comes home with another man. Phil quickly finds himself desperate to be with Melanie in any way he can. Lucky for him, Melanie is happy to oblige. Phil doesn’t know Melanie paid her way through college by being a professional dominatrix, but he’s about to be enrolled in a school that, until now, he thought only existed in his wildest fantasies, and sometimes...his worst nightmares.This novel incorporates the following fetishes: corporal punishment, cuckolding, findom (financial domination), feminization, forced-bi, humiliation, strap-on (pegging), and various forms of worship (body, foot, high heel).For adults only. 1. Language: English. Narrator: Lauren Billingsley. Audio sample: http://samples.audible.de/bk/acx0/126529/bk_acx0_126529_sample.mp3. Digital audiobook in aax.
It all begins with a letter. Fall in love with Penguin Drop Caps, a new series of twenty-six collectible and hardcover editions, each with a type cover showcasing a gorgeously illustrated letter of the alphabet. In a design collaboration between Jessica Hische and Penguin Art Director Paul Buckley, the series features unique cover art by Hische, a superstar in the world of type design and illustration, whose work has appeared everywhere from Tiffany & Co. to Wes Anderson´s recent film Moonrise Kingdom to Penguin´s own bestsellers Committed and Rules of Civility. With exclusive designs that have never before appeared on Hische´s hugely popular Daily Drop Cap blog, the Penguin Drop Caps series debuted with an ´A´ for Jane Austen´s Pride and Prejudice, a ´B´ for Charlotte Brönte´s Jane Eyre, and a ´C´ for Willa Cather´s My Ántonia. It continues with more perennial classics, perfect to give as elegant gifts or to showcase on your own shelves. S is for Steinbeck. Unburdened by the material necessities of the more fortunate, the denizens of Cannery Row discover rewards unknown in more traditional society. Henry the painter sorts through junk lots for pieces of wood to incorporate into the boat he is building, while the girls from Dora Flood´s bordello venture out now and then to enjoy a bit of sunshine. Lee Chong stocks his grocery with almost anything a man could want, and Doc, a young marine biologist who ministers to sick puppies and unhappy souls, unexpectedly finds true love. Cannery Row is just a few blocks long, but the story it harbors is suffused with warmth, understanding, and a great fund of human values. First published in 1945, and drawn from Steinbeck´s memories of real inhabitants of Monterey, California, Cannery Row focuses on the acceptance of life as it is?both the loneliness of the individual and the exuberance of community.
Donors, leaders of nonprofits, and public policy makers usually have the best of intentions to serve society and improve social conditions. But often their solutions fall far short of what they want to accomplish and what is truly needed. Moreover, the answers they propose and fund often produce the opposite of what they want over time. We end up with temporary shelters that increase homelessness, drug busts that increase drug-related crime, or food aid that increases starvation. How do these unintended consequences come about and how can we avoid them? By applying conventional thinking to complex social problems, we often perpetuate the very problems we try so hard to solve, but it is possible to think differently, and get different results. Systems Thinking for Social Change enables listeners to contribute more effectively to society by helping them understand what systems thinking is and why it is so important in their work. It also gives concrete guidance on how to incorporate systems thinking in problem solving, decision making, and strategic planning without becoming a technical expert. Systems thinking leader David Stroh walks readers through techniques he has used to help people improve their efforts to end homelessness, improve public health, strengthen education, design a system for early childhood development, protect child welfare, develop rural economies, facilitate the reentry of formerly incarcerated people into society, resolve identity-based conflicts, and more. The result is a highly listenable, effective guide to understanding systems and using that knowledge to get the results you want. PLEASE NOTE: When you purchase this title, the accompanying PDF will be available in your Audible Library along with the audio. 1. Language: English. Narrator: Tia Rider. Audio sample: http://samples.audible.de/bk/acx0/147541/bk_acx0_147541_sample.mp3. Digital audiobook in aax.