Personlig økonomi

Most Americans are in great financial pain. They may appear to be fine because they don't express their suffering, but the overwhelming majority, three out of four, are living paycheck-to-paycheck with less than $1,000 for emergency savings. Many parents are still making payments for their own student loans while scraping every dime to send their children to college at the same time. People even with health insurance often hesitate to see a doctor because they fear what they may have to pay under deductible and coinsurance. Seniors are frequently skipping a meal because they can't afford it. How could that be? Among many reasons, expenses for college education and medical costs have been increasing at a faster rate than inflation, while wages have been stagnating in the past decades. And with decreasing pension plans, people have to prepare for their retirement now, for which they have no training. Financial professionals have been chasing the wealthy for so long, leaving the ordinary people who could've significantly benefited from their service mostly underserved. Many politicians seem to favor policies that are beneficial for their mega-donors, while lip-servicing wageworkers to get their votes. Working hard and being frugal is no longer enough for most people to be financially stable as it had been for the previous generations.What choice do you, an ordinary person, have to survive in this reality? Save as if your life depends on it and vote for politicians and policies that support your financial interests. Learn tax-advantaged features and utilize asset protection rules that have been enjoyed by the wealthy for so long and use them to save, grow, and protect your money. You have more power than you may think to improve your finances, and I hope this book will help awaken that power within you.

The tools you need to structure your money with security, confidence and freedom. A powerful, yet simple approach so you can focus on what you enjoy most in life

In einer Welt, in der künstliche Intelligenz immer allgegenwärtiger wird, enthüllt dieses Buch die unbegrenzten Möglichkeiten, die ChatGPT bietet, um Geld zu verdienen und nachhaltige Einkommensquellen zu schaffen. Es ist mehr als nur ein Buch, es ist ein umfassender Leitfaden, der Leser durch die komplexe Welt von ChatGPT und dessen Anwendungsmöglichkeiten führt.Das Buch beginnt mit einer Einführung in die Bedeutung und Anwendung von Künstlicher Intelligenz und geht dann speziell auf ChatGPT ein, dessen Grundlagen und Anwendungsgebiete. Es unterstreicht die ethischen Aspekte und Nutzungsbedingungen, um einen verantwortungsbewussten Umgang mit dieser revolutionären Technologie sicherzustellen.Im Kern des Buches stehen bekannte Online-Bereiche, in denen ChatGPT zur Geldgenerierung eingesetzt werden kann, einschließlich Content-Erstellung, Online-Marketing, Kundenservice, Bildung und Training, technischen Anwendungen und E-Commerce. Jedes Kapitel ist vollgepackt mit praktischen Strategien und Tipps, um die Leistungsfähigkeit von ChatGPT in jedem dieser Bereiche zu nutzen.Dieses Buch bietet auch eine ausführliche Anleitung zur Monetarisierung von ChatGPT, einschließlich der Identifizierung von Nischen und Zielgruppen, Preisgestaltung, Verkaufsstrategien, Partnerschaften, Affiliate-Marketing und Promotion.Anhand von Fallstudien und Beispielen erfolgreicher ChatGPT-Anwendungen können die Leser die Erfolgsfaktoren besser verstehen und lernen, wie sie diese auf ihre eigenen Projekte anwenden können. Zudem werden die technischen und rechtlichen Herausforderungen beim Geldverdienen mit ChatGPT sowie Lösungsansätze und Strategien detailliert dargestellt.Das Buch schließt mit einem Ausblick auf die Zukunft von ChatGPT, künftige Entwicklungen in KI und potenzielle neue Bereiche zur Monetarisierung, und bietet so einen umfassenden Überblick für all jene, die Interesse daran haben, die Macht von ChatGPT für ihren finanziellen Vorteil zu nutzen.Es ist der ultimative Leitfaden für jeden, der die Zukunft der Künstlichen Intelligenz meistern und eine neue Einkommensquelle erschließen möchte. Machen Sie den ersten Schritt in eine Zukunft, in der KI Ihre finanzielle Freiheit sichert. Investieren Sie in dieses Buch in Ihre Zukunft.

Thank you for picking this beautiful compilation of powerful stories! I am excited to bring you our third edition of the Women of the World Network® Anthologies Series where we share stories of 14 women from 10 countries, including USA, Kazakhstan, Russia, Germany, UK, India, Philippines, Egypt, Hong Kong, and Indonesia. This book is not only about having money but also about being able to choose for yourself how much you want to earn, how much you want to work, how you can create a life your way, and having confidence that you can achieve whatever you are after.

Abstract: The objective of this book is to analyze the determinants of the performance of Beninese banks based on secondary data collected on 10 Beninese banks. The study uses a linear regression econometric approach. The estimation of a panel data model that highlights the effects of banking determinants on the performance indicators of the Beninese banks. The objective of this paper is to analyze the determinants of the performance of Beninese banks based on secondary data collected on 10 Beninese banks. The study uses an econometric approach of linear regression. The estimation of a panel data model that highlights the effects of banking determinants on performance indicators, in particular ROA. The results show that liquidity, bank size, market share, capitalization and banking sector size contribute to the improvement of banking performance in Benin. They do not induce a good management of bank charges and bank products which can affect the performance of banking firms in Benin.

This paper investigates the relationship between equity capital and the default risk of a panel of 11 Beninese banks over the period 2004-2015. Using Roy's (1952) "Zscore" risk indicator, we highlight a negative relationship between equity capital and the probability of failure of Beninese banks through an econometric analysis based on the Generalized Method of Moments (GMM). Given the dynamics of the banking sector and the diversity of risks, it would appear necessary and imminent to re-examine and update the current prudential framework by incorporating new provisions.

This book contains a comprehensive financial framework that will enable you to enjoy life today, and plan for an enjoyable retirement tomorrow. Financial knowledge in black and white that when applied, works.

Benjamin Anderson, American Austrian, was among a handful of economists, led by Ludwig von Mises in his pioneering work The Theory of Money and Credit in 1912, who set out to integrate monetary theory into a general theory of value. Anderson devoted a major portion of his great book The Value of Money, published in 1917, to a refutation of the "mechanical" quantity theory of money. He argued that the causes and effects from which the data of the quantity equation are constructed are disaggregated and complex; whatever the correlation between the aggregate variables of the quantity equation, correlation is not causation; causation cannot be established in the equation because there are no quantitative constants in human action (in particular, velocity is not constant); the quantity theory ignores time; there is no unambiguous way to define the variables in the theory: the money stock, velocity, the quantity of goods, and the price level. Anderson further holds that whatever true propositions the quantity theory offers can as well be deduced from a correct theory of value and that many true theories of modern economics (such as the laws of demand and supply, the theory of capitalization, and Gresham's law) are inconsistent with it. Although some true propositions can be had from the quantity theory, not every conclusion derived from it is true. Anderson expended much effort to demonstrate that many theories constructed upon it are false. For example, he argued that the independence between the stock of money and the quantity of goods, assumed for the purpose of reaching the conclusion that increases in the stock of money lead to proportional increases in the price level, if carried into macroeconomics has pernicious effects.

Proven Methods for Beginning Investments. It explains Guide Beginner's To Building Wealth and is a Comprehensive Guide to Balancing Your Personal and Professional Life.Investing is a vast field with an unfathomable quantity of information to absorb. Even the most accomplished investors continue to develop their financial market expertise."Growth Investing: The Beginner's Guide to Growth Investing" is a comprehensive guide that teaches you everything you need to know about investing in growth stocks. It also covers advanced topics such as portfolio diversification, risk management, and market analysis.

AS DENTIST WE HAVE ONE OF THE GREATEST PROFESSIONS IN THE WORLD. We are extremely profitable, we serve mankind and can live the American dream. Yet many dentist are struggling in their practices, stressed out by office drama and management problems, don't have enough patients and are usually exhausted at the end of the day with little time for their family or themselves.In The Dentists Money Guide to Creating Personal and Financial Freedom, you will learn how to become extremely profitable in only three days a week while taking all 8 to 12 weeks each year to enjoy your family and your life. This book is about regaining your FREEDOM in your practice, finances, relationships and your life!!!YOU WILL LEARN HOW TO:¿ Use strategies to double your office profitability.¿ Make your practice fun and effortless while eliminating office stress and drama.¿ Use the top two little-used strategies that will make 100% to 1000% return on your investments, guaranteed, without risk or tax consequence.¿ Increase the return on your 401K by 50%.¿ Be completely out of debt in 5 to 10 years.¿ Prevent the financial mistakes that can destroy your life.¿ Use a step-by-step plan to invest safely and predictably on your own and do better than 90% of the actively managed mutual funds while eliminatingcommissions and brokerage fees.¿ Understand the power of dividend growth investing, which will give you a constant source of ever-growing passive income each year, allowing you to create generational wealth.

When an unscrupulous stockbroker took Peggy Doviak's mother to the cleaners, Peggy did not just get mad-she changed careers. She became a CERTIFIED FINANCIAL PLANNERTM professional, vowing to ensure that what had happened to her mother would never happen to a woman again.Now a bestselling author and syndicated radio host, Peggy invites you to Ask Peggy again-only this time, her focus is on the unique fiancial matters that you face in life as the queen of your home.In the clear, down-to-earth, conversational style that endeared her to readers in 52 Weeks To Prosperity, she provides the know-how and advice to help you reach well-being in your life. 52 Weeks To Well-Being is all about what you need to know to become queen of your finances, whether you are starting a business or caring for aging parents, planning for retirement or surviving widowhood or divorce, saving for a trip around the world or wanting to help with a child or grandchild's college education-or even your own! Peggy knows women need practical information that doesn't pander or intimidate-they want their money to do good and for them to feel good about their money. 52 Weeks To Well-Being delivers that and more.

"Future Trading: Your Guide to Profits and Success" is an invaluable resource for both aspiring and experienced traders looking to navigate the world of futures trading with confidence and achieve profitability. Authored by Lester A. Gray, a renowned expert in finance and investment, this comprehensive guide offers a wealth of knowledge, practical strategies, and expert advice.The book begins with an exploration of the best platforms and tools available in the market, including TD Ameritrade, Tastyworks, Robinhood, E*TRADE, Charles Schwab, TradeStation, and Ally Invest. Gray provides insights into their features, functionalities, and suitability for different trading styles, enabling readers to make informed decisions about their trading platforms.Next, Gray delves into the critical topic of timing trades effectively. He discusses various time frames and trading opportunities, such as the DAX Future at different intervals, the importance of the economic calendar, and strategies for trading the Mini-DAX and DAX pre-market opening. By understanding when to trade and when to stay out of the market, traders can enhance their chances of success.Understanding historical data and backtesting are vital aspects of futures trading, and Gray devotes a chapter to demystifying these concepts. He addresses important considerations like trading a real dollar account and trading frequency, providing practical advice on leveraging historical data to inform trading decisions.The book then moves on to proven futures trading strategies. Gray covers topics such as selling short, managing risks, trading like professionals, and different trading methods, including fundamental and technical trading. He explains technical analysis in detail, highlighting its significance and the types of traders who utilize this approach.Recognizing the challenges of trading in bear market economies, Gray offers effective trading strategies supported by technical analysis. He provides insights on how to navigate and thrive in bear markets, including fleeing from or fighting against the prevailing conditions.Forex trading merits and demerits are explored in another chapter, allowing readers to understand the potential benefits and drawbacks of this market. Gray discusses leverage, fast returns, easy short selling, liquidity, a variety of trading pairs, low capital requirements, and more. He also addresses the volatility, potential disadvantages for small traders, and regulatory considerations associated with forex trading.Emotional control is essential for successful trading, and Gray provides a step-by-step guide on how to achieve it. From getting started and avoiding emotional decision-making to maintaining a disciplined approach and keeping trading journals, readers gain valuable insights into managing their emotions like seasoned professionals.Finally, the book presents "The 11 Commandments of Swing Trading," outlining essential principles for swing traders. Gray emphasizes the importance of aligning trades with the overall market direction, considering long-term charts, formulating clear plans, integrating fundamentals into technical analysis, and mastering the psychological aspects of swing trading.With its comprehensive coverage of essential trading topics, "Future Trading: Your Guide to Profits and Success" equips readers with the knowledge, strategies, and mindset necessary to thrive in the futures market. Lester A. Gray's expertise and ability to distill complex concepts into accessible language make this book an indispensable companion for traders seeking to achieve profitability and long-term success.

Pension Magic shows you how to build a big retirement pot by claiming thousands of pounds of extra tax relief on your pension contributions.

"Today's workers have more opportunities and mobility than any generation before. They also face unprecedented challenges, including inflation, labor and housing shortages, and climate volatility. Even the notion of 'retirement' is undergoing a profound rethink, as our lifespans extend and our relationship with work evolves. In [this book], Galloway lays bare the rules of financial success in today's economy. In characteristic unvarnished, no-BS style, he explains you what you need o know in order to better your chances for economic security no matter what"--

Many people live miserably and sadly throughout their lives, and fail to discover the carrying capacity on their shoulders. Man has everything he needs to live a glorious life because that is his mission in the world, but most are unable to figure out how to do it.This book is a key that takes you to unravel the mysteries of practical metaphysics, so that you can open endless doors that you would never have dreamed of and which were within your reach, however, you did not know. Here is what this entrepreneur's guide can offer you:Self-evaluation guide to see at which stage of building wealth you areHow to use the law of attraction to make moneyMoney mistakes and their easy fixesEasy way to acquire entrepreneurial mindset which brings power and more moneyGuide to develop winning money management skillsStep-by-step guide to mastering your financial destinyAnd much more!This book is designed to help you understand how wealth can be accumulated. It will discuss how you can increase your net worth even though you are just starting out as an employee. Most books will tell you that for you to become rich, you need to take massive amounts of risks. This book covert he simple steps that you need to consider in your quest for wealth.

Based on the limiting factors the success of bancassurance requires a change in approach, thinking and organizational culture of employees in both banks and insurance companies. What is encouraging, however, is that banks have established long-term relationships with their customers and developed skills in deepening those relationships over time. This fact can help banks to offer their clients additional products and services beyond those in the standard banking offer without major problems and resistance from their side. In the conditions of increasing competition on the insurance market, changed consumer attitudes and technological development, insurance product distribution channels are extremely important for the successful operation of insurance companies. Adapting to market conditions, insurance companies are changing the traditional way of working by accepting new ways of selling. Major changes are taking place in the financial services sector, which are aimed at increasing profits and fighting for the biggest world market.

Take control of your financial future-with your very first paycheck! Your paycheck, your responsibility. It's time to saddle up and take the reins. Prepare to become a sharp-shooting budgeter, resolute saver, and top-tier investor on the path to financial freedom. Whether you are just entering the workforce or have been earning an income for a while, Money Management for Young Adults: From Your First Paycheck to Your First Million, is your comprehensive guide to smart money decisions. In this book, you will Learn how to start investing ASAP. Multiply your money, not your worries.Bid farewell to student loans, credit card debt, and other financial foes.Turn your rainy days into sunshine with saving strategies for emergencies and retirement.Gain confidence in your money decisions. Follow an easy-to-use road map to get the most from each paycheck. Can you imagine a life where money worries are a thing of the past? Where you can travel and pursue your passions? If you lack financial stability, you will likely struggle to unlock your full potential as well as everything you have to offer society. This book presents a sure way to earn your passport to freedom, flexibility, and living your best life.

IMAGINE CRIAR UMA REALIDADE QUE FUNCIONA PARA VOCÊ E VAI MUITO ALÉM DE SUA IMAGINAÇÃO.Agora você pode ver tudo o que é possível com o uso das ferramentas de Access Consciousness ® .Por meio das experiências de Kass, você aprenderá sobre a evolução contínua e o uso do fluxo energético, que inclui tanto a intuição quanto o instinto para criar movimento, mesmo quando as águas ao seu redor estão estagnadas.As ferramentas neste livro são intercambiáveis e podem ser usadas em seu cotidiano para alterar seu jeito de pensar. Aprenda como transformar o negativo em positivo, como assumir riscos para evitar futuros previsíveis ou indesejáveis, além de como mudar seu ponto de vista para criar a vida que deseja.Fique em sintonia com a energia da mudança e dance com o ritmo contagioso da vida.

In diesem Buch habe ich all meine großen und auch kleinen Spartipps rund um die Themen Freizeit und Garten aufgeschrieben, die ich in den letzten Jahren gesammelt habe. Ein paar der Tipps werden Sie mit Sicherheit schon gehört haben, aber ich bin mir sicher, dass für selbst größere Sparfüchse der ein oder andere neue Tipp dabei sein wird. Wer möchte nicht mit den kleinsten Veränderungen etwas Geld sparen? Wenn Sie zu genau diesen Leuten gehören, dann willkommen in meiner Welt.Und für alle Lesemuffel ist eine kleine Leseerleichterung mit eingebaut.

THE LIFE YOU ARE EXPERIENCING TODAY IS THE RESULT OF YOURPARADIGM. CHANGE YOUR PARADIGM TO CHANGE YOUR LIFE.DO IT ONCE AND LIVE HAPPILY EVER AFTER.To gain financial freedom, many people change their jobs, or change theway that they save. Some people invest to earn more money. Some of theseapproaches work and some don't. The problem is the way that we have beentaught to think about money. Can we earn money and not harm others? Isthe purpose of business to make our lives better and richer? In this bookyou will learn a new way of looking at money and how to share it. Youwill learn how to find peace and friendship with money and attract moreprosperity in your life. You will find a universal and spiritual path with theenergetic flow of money. You will gain a deep and detailed interpretation ofthe law of attraction. You will discover how you got to where you are nowand how to make your next move deliberately.

Learning how to save and invest is not a luxury, it is a crucial part of our lives, and if you want to achieve financial freedom, you need to be more informed. That we learn little about even the basics of saving and investing in school or university is part of the problem.Written by Rory Gillen, founder of GillenMarkets and author of 3 Steps to Investment Success, published in 2012, this booklet outlines why the stock markets and property have delivered the best returns over the long-term, how to define and mitigate the major economic risks and the difference between investing and speculating. It also makes a crucial distinction between the risks faced by the regular investor and the lump-sum investor, outlines a sound investment plan for each and shows you how to get started.

The potential for above average returns has always made private equity an attractive subsector of financial markets with investors gaining access to specialised managers who build portfolios of private companies. In Ireland, investors' principal way of gaining exposure to private equity has been through international private equity funds distributed by local stockbrokers, which tend to have significant minimum investment amounts and long-term lock-in periods, making access difficult for retail investors. However, there is an attractive alternative option: investing in high-quality, liquid private equity funds listed on the London Stock Exchange that have historically delivered attractive returns, allowing investors to avoid the high minimum investment levels, long-term lock-in periods and onerous upfront fees.This booklet, written by Jonathan Yates, research analyst at GillenMarkets, is aimed at providing readers with an overview of private equity investing, including the main characteristics, historical returns, the specifics of the UK listed private equity sector and the key risks investors must be aware of when investing in private equity.