Personlig økonomi

More than 500,000 Australians plan to retire in the next five years and are in their pre-retirement or 'part-time' retirement years, preparing for the massive life change that signals their move from working every day to living as they choose. In the years before they retire, and the early years of retirement, people want to prepare well and set themselves up for the exciting 30+ year journey that could be ahead of them. This is where How to Have an Epic Retirement comes in. There is no one in Australia who has more insight into what retirees want and what they need to know to achieve it than Rebecca Wilson, founder of the hugely successful online platform Starts at 60. Armed with information and the best anecdotal knowledge from retirees and those planning to retire, Rebecca has compiled the ultimate guidebook for those who want to make the most of this time of their lives. With examples, common questions and information you can apply to your own circumstances, Rebecca addresses the six key pillars of a great retirement: time, money, health, happiness and fulfilment, travel and your home.How to Have an Epic Retirement guides readers through the way the systems of retirement work, so you can learn the valuable lessons that modern retirees wish someone had shared with them before they kicked off the changes and stages of life that come after retirement. Every modern retiree can have an Epic Retirement - and this book will show you how.,

"Ellyce Fulmore's aha moment for her own financial health came when she realized that the reason she and so many others have struggled to pay off debt, find an apartment, or build savings has little to do with being "bad at money." Instead, it has everything to do with not fully appreciating how their own identity and reality affects their financial decisions. Now in Keep Finance Personal, Ellyce shares outside the box advice that will help readers find the financial security and confidence they crave. With chapters focusing on the importance of safe spaces when dealing with your finances, personal values, couple dynamics (for any couple), vices and coping mechanisms, this is not your typical financial advice book. Ellyce asks readers to engage with how their upbringing, gender identity, and mental health impact their decisions, and guides them through self-exploration exercises that will lead them to a financial plan tailored to work for them. This book is for the teenager who was kicked out for being gay, the lesbian couple searching for a place to rent, the neurodivergent person unable to keep their finances in order, the Black woman facing racism and sexism at her local bank-all the people that don't fit into the mold that traditional finance advice is aimed at. Filled with interviews and from a diverse range of voices, Keep Finance Personal provides a path to develop a healthy money mindset, develop key money management skills, and understand the intersectionality of money and identity so you can take control of your financial life in authentic, empowered way"--

Within the framework of the present work, it was a question for us, to identify the risks to which FTSL is exposed, then to put forward a strategic approach allowing to minimize these last ones for a profitability of the investment. Thus, from the analysis of the different functions of FTSL, we first highlighted the different strengths and weaknesses of this company, then we highlighted the opportunities and threats of the market. The qualitative modeling of the risk of FTSL highlights the mission of supervision or monitoring which is devolved to ECP in this project. The quantification of the correlation coefficient between the expenses and the result, as well as the sustainability ratio allowed us to identify on the one hand the strong relationship between the increase of the production cost and the decrease of the result of FTSL. On the other hand, the capacity of the company to resist to exogenous shocks in spite of its negative result since periods; Capacity resulting from the recapitalization and reorganization of the company following its repurchase by the ECP group. The risk management measures taken so far have an impact at the global level.

The Art of Money Getting was written by P. T. Barnum, who is widely known as an important historical entrepreneur as founder of the famous traveling circus, but in this publication Barnum shares his knowledge of business and teaches readers how to be successful in making money. This is an excellent book for individuals who are interested in learning from an important historical business leaders own personal success and also serves as an excellent motivational writing intended for those looking to be successful and make lots of money.

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.

Do you struggle with procrastination, poor money habits, or your weight? Are you disorganized, suffer from a lack of focus or spend to much time surfing the internet and watching TV?Then chances are you have an issue with self-discipline.World over, the ability to stay self-disciplined has been very elusive for most people. That may perhaps explain why we have so many rules and regulations to guide or control human behavior. Ordinarily, where there are many rules, there is a problem of people often doing what is wrong. Some of these incredible skills included are-How to change your mind set for action.How to eliminate distractions, negativity and temptations that are slowing you down.Gaining more willpowerHow to go from hard discipline to being a maintained habit.Making and keeping commitmentsReal Results Or Your Money BackTake a second to imagine how you'll feel once you become more self-disciplined. What kind of goals can you accomplish? Even if you struggled with procrastination, putting things off, and quitting all your life, you could change that now with this book Spartan Discipline.

"Build Your Rich Mindset: A Guide to Achieving Financial Success" is a comprehensive guide to developing a successful mindset for building wealth. Through 12 chapters, readers will learn practical strategies for managing money, overcoming obstacles, and cultivating habits that lead to long-term financial stability. From the importance of perseverance and resilience to the benefits of strategic thinking and risk-taking, this book covers a range of topics essential for anyone seeking to achieve financial success. With inspiring stories, practical advice, and actionable steps, this book is a must-read for anyone looking to create a rich and fulfilling life.

Why this book? Right now, you may be browsing a few personal finance books in a library, bookstore, or even online. Why this one? Is it worth a couple dollars of your money and (more importantly) hours of your time?Here's why. I've read the others. Almost every book was written by someone who is telling their own personal rags to riches tale. That's admirable and impressive, but the likelihood that it's even close to you and your personal situation is quite remote. What worked for them will probably not work for you. Everyone is different, every situation is unique.So (get to the point, Bill!), why this one? Because this book is based on my experience as a financial counselor, investment advisor, and financial planner. This book is a user manual for your money! No matter who you are, there is plenty for you. There's stuff for broke folks to wealthy folks. This book is designed to take you from money zero to money hero. We cover the Financial Independence/Retire Early movement and tactics as well.This book is the way to financial peace, to relieving the number one stressor in our otherwise beautiful lives and relationships. It's the guide to living every day on your own terms, and never having to go to a job you no longer love, of never having to miss those important life events because, work. Maybe I'll even make you laugh once or twice. Your household is a mini-business, only the success is measured in 'happy' not some corporate financial metric.Can you trust me? Yes, you can. This book's for you. My favorite rock musician, Neil Young, once wrote a song called This Note's for You. It was a message to his fans that he wouldn't create music for big, greedy corporations or allow his music to be used in their commercials. His music was for the people. That's how I feel. That's why this book costs less than the others. I don't need the money. I've done well by learning and living through the lessons in these pages. I want you to do well. I want you to be happy, and enjoy this one life we get (as far as we know!). This book is for you.Who am I? When I was a kid, I was a huge superhero fan. I'd sit in the corner luncheonette and read comic books on my way home from school until the owner would throw me out. I didn't have the money to buy them, my parents didn't have the money to give me. I'd peek out from my bedroom at night and see my mother stressing out over a kitchen table full of bills, writing out checks and stuffing them in envelopes. Kiss your money goodbye, I heard more than once. I watched my father come home from work exhausted every day, especially as he got older. I didn't want to be the kind of superhero who could fly, be invisible, shoot lasers out of my eyes, or swing from buildings on spider webs. I wanted to be the kind that could help people like my parents. That's where the title of this book came from. Instead of paying your hard earned money out to everyone under the sun, watching each paycheck or retirement distribution fly away, you're going to welcome it back. Hello, hard earned money, let's have some fun together!I want to do that for you. The goal of this book is not to get you to pass up the things you want and love in your life. It's to show you how to get them. The goal is not money or wealth, the goal is happiness

In dem Vorgängerbuch "Geld verdienen mit Sportwetten 2" wurde ein Verfahren zur Auffindung von Valuebets für die Hinrunde einer Fußball- oder Basketballsaison vorgestellt.Dieses Buch vervollständigt und modifiziert diese Idee auch für die Rückrunde einer Saison.Zusätzlich gibt es ein umfangreiches Kapitel für die Auffindung von Valuebets mit Sachverstand, welches vollkommen unabhängig von dem Lorenz-Laplace-System anwendbar ist.

"A big-hearted, no-bullshit memoir from TikTok superstar Madeline Pendleton about her journey from living paycheck to paycheck to creating a multi-million-dollar business that offers a compassionate alternative to capitalism. Imagine a job where you work four days a week and earn as much as the CEO. You also get full benefits, a gym membership, free lunch, and unlimited time off, including mental health days, no questions asked. Hard-won profits don't just end up in the CEO's pocket-they're distributed equally among all employees. The company even buys you your very own car. It sounds too good to be true, but this is the reality at Tunnel Vision, the clothing company that Madeline Pendleton Hansen built from the ground up. Like so many Americans, Madeline used to struggle to make ends meet. Raised by a punk dad and a goth mom in Fresno, California, she spent her teens on the brink of homelessness, relying on the kindness and spare couches of the local punk community to get by. By her twenties, she was drowning in student loans and credit card debt, with no relief in sight. Madeline felt the intense toll that financial stress was taking on her and her loved ones, and she was sick of her bosses treating her as disposable-she knew there must be a better way. After years of living broke, Madeline decided to study the rules of capitalism, the game everyone is forced to play. She used what she learned to build a new kind of business, one rooted in an ethos of community care. Now, Madeline is paying it forward by sharing her path to success on her terms, plus no-nonsense life and money advice: How do you build credit? How do you negotiate higher pay? How do you build a better world? Millennials and Gen Zers like Madeline are facing an unprecedented financial reality: Stagnant wages, skyrocketing housing costs, a student debt crisis. I Survived Capitalism is essential reading for anyone searching for hope and stability in an unjust world"--

The organizational diagnosis of an economic entity is intended to be an exercise with an economic aim, by improving its mode of governance, its functioning and its process of generating results, in order to reach the optimum. This diagnosis, applied to a banking entity, becomes more relevant when combined with the credit risk management policy. In the case of the Banque Malienne de Solidarité through its SME Department, the exercise revealed a number of dysfunctions, both in terms of organization and curative credit risk management. Avenues of improvement were formulated in the form of recommendations on organizational shortcomings (notably on the prerogatives and attributions of the service, the management of human resources, the process of handling customer requests, etc.). As for the curative management of credit risk, the implementation and use of modern tools such as the Scoring system, securitization and RAROC (Risk Adjusted Return On Capital), are widely addressed.

A fun and engaging way to learn about personal finance In The Personal Finance Cookbook, Certified Financial Planner(TM) certificant and author Nick Meyer delivers a comprehensive toolkit for personal finance tasks like budgeting, investing, and buying a house. Written in the style of a cookbook, complete with engaging imagery and in list format, the book outlines the steps you need to take to complete various personal finance tasks. It helps remove the paralysis by analysis that often accompanies money-related tasks and assists you in taking positive action. You'll explore the best way to budget for your household, how to start investing, how to buy a home and a car, how to build your credit score, and how to apply for your first credit card. You'll also discover how to maximize credit card rewards and sign-up bonuses and even how to negotiate a signing bonus at your next job. Perfect for young working people, members of growing families, and people just starting to prepare for retirement, The Personal Finance Cookbook is an indispensable and fun resource for anyone hoping to get a better handle on their money situation once and for all.

Cutting through the noise and ditching the jargon, this book teaches you how to build wealth while creating positive change.

This workbook pairs along with the Adulting 101 - Personal Finance book. It is intended to make sure your child absorbs the methods taught in the book. Teaches savings, investing and problem solving.

Gone are the days of the peasant actively trying to send money from the village market place to his child who has gone to the city for school. Today, simple and convenient new means of payment (NMP) are driving a revolution in the way people interact with money. Through electronic money, which facilitates the development of financial inclusion of populations that were once on the bangs of traditional circuits, financial institutions and non-bank operators in CEMAC have the latitude to expand their scope of activity and increase their revenues. This new situation seems to be more of an opportunity than a threat for those players who see the sustainability of their activities in innovation in order to capture the profitability niches that are being created. NMPs are a lever for reducing the financial divide, provided that there is a real awareness of the strategic and operational levels. In addition, the promotion of a true digital trust industry is necessary to safeguard the gains made in financial inclusion, so much so that it influences growth.

Every day there's a new hack or scam that robs crypto investors of millions of dollars or NFT owners of highly valuable assets. It's no wonder there are so many people saying crypto currency and blockchain are unsafe and "not to be trusted". It's understandable. In 2021 alone crypto hackers stole over $1billion of assets from investors. Being afraid to make the wrong move with anything related to blockchain technology is actually pretty smart.Here's the thing.There's still a huge opportunity in this space. Cryptocurrencies, NFTs, and other Web3 projects are making money faster than any other financial vehicle. In this guide you'll learn...The simple steps to add extra layers of security that make your assets much harder to stealHow to analyse the founding members of new projects to quickly identify obvious rug-pullsThe dead giveaway tokenomic breakdowns that are huge red flags for new projectsCommon indicators from influencers and community members that are found in almost every Web3 crypto scamThe information in this guide is important to know. I had to learn that the hard way, and I wish people had done this before I fell for a crypto scam. Now, you can join the effort and potentially help other people like you avoid scams.This guide will also be very useful for anyone who knows of a scummy crypto project, and wants to know how to report them.

Mastering Your Money: A Practical Guide to Budgeting and Saving For ChristiansTake Control of Your Finances and Achieve Your Financial Goals with 10 Simple StepsABOUT THIS BOOKThis book provides practical tips and actionable advice for individuals looking to take control of their finances and achieve their financial goals. Following the ten simple steps outlined in this book, readers can create a sustainable budget, cut expenses, save money, invest for the future, and ultimately achieve financial freedom. This book is ideal for students, seniors, working professionals, a parent, or someone simply looking to gain financial independence. Makes a great gift too.Overall, this book provides the following:Comprehensive coverage of personal finance topics: This book covers a wide range of personal finance topics, from budgeting to investing to retirement planning. It offers practical advice and tips to help readers improve their financial situation.Accessible language: The book is written in clear, easy-to-understand language that doesn't require prior knowledge of financial jargon or concepts.Personal stories and examples: The book includes a few real-life stories and examples that illustrate key points and make the content more relatable to readers.Actionable advice: The book doesn't just provide information - it also offers actionable advice and steps that readers can take to improve their finances.Faith-based perspective: The book offers a faith-based perspective on personal finance, which may appeal to readers looking for guidance that aligns with their religious beliefs.

Ein alter chinesischer Fluch besagt: Mögest Du in interessanten Zeiten leben. Kann es noch interessanter als heute werden? Eindeutig, denn schlimmer geht immer. Das betrifft auch des Deutschen liebstes Kind, sein Vermögen. Wer sich um sein Hab und Gut sorgt und es umfassend schützen will, kommt an diesem Buch von Barthle B. Boss nicht vorbei: Meins bleibt meins!Vermögensschutz in Krisenzeiten.

This book contains everything a parent needs to educate their young adults to be responsible with their money. Teaches savings, investing and problem solving.

During colonization, the development of French-speaking Africa was conceived in the form of large groups: the AOF and the AEF. With independence, each territory, in order to fully express its sovereignty, broke away from these groups, further fragmenting the continent. But very quickly, certain African leaders such as L. S. Senghor of Senegal and Kwame Nkrumah of Ghana had demonstrated the necessity of regrouping. The latter, in his posthumous book Africa must unite (Nkrumah 2001), advocated African unity. But integration is not the result of colonization. This notion, which existed long before colonization through trade, had been completely distorted by the erection of colonial borders (Goeh-Akué 2009: 16). It had taken on a new form insofar as one could observe the same people on both sides of the borders and peoples who previously could not get along were forced to live together.

"A feminist take on financial wellbeing which alleviates financial anxiety in millennials by tackling the areas in life where money and wellbeing intersect. How can we handle the impact of comparison culture on our bank accounts? Should we want an engagement ring, or is that anti-feminist? How can we say no to events we can't afford but we feel obliged to attend to please others? Money has the power to shape, make or even break our lives, and can have a significant impact on our mental health - so why aren't we treating it as an important part of our wellbeing? In each chapter of this book, financial influencer Ellie Austin-Williams tackles a major area in our life that might bring us financial anxiety, from friendship to love."--

El dinero en tu vida de Ramiro J. Atristaín-Carrión es un compendio de consejos útil, sencillo y anclado en la vida cotidiana de las personas para propiciar un manejo inteligente del dinero. El libro muestra que las concepciones sobre el dinero y su uso definen en buena medida el bienestar o las tribulaciones de las personas y las familias en materia económica y, por ello, pensar y actuar de modo auspicioso en lo financiero es clave. Jesús Del Toro, director del periódico La Raza de ChicagoEl Dinero En Tu Vida es un libro esencial para nuestra comunidad. Ramiro J. Atristaín-Carrión se ha destacado como profesional en grandes organizaciones financieras. Ahora ha logrado algo aún más difícil: simplificar temas complejos y descifrarlos de manera interesante e informativa para todos, dentro del contexto de los valores importantes de nuestra cultura. Adela Cepeda, asesora y miembro de directivas corporativas, co-fundadora y presidenta de Ángeles InvestorsMucho se ha escrito sobre la población hispana en Estados Unidos en términos de fuerza demográfica, productora y consumidora pero muy pocas veces como fuerza financiera e inversora. Este libro de Ramiro J. Atristaín-Carrión viene a llenar ese vacío crítico para el desarrollo, no solo personal, sino de toda nuestra comunidad.Mas allá del enriquecimiento financiero repentino de las portadas de periódicos, existen métodos basados en el ahorro constante (págate primero a ti mismo) y la inversión a largo plazo que generan una sólida posición financiera que te aportará bienestar y tranquilidad de cara al futuro tanto para ti como para tu familia. Estos cien consejos están llenos de ese sentido común que siempre se nos ha inculcado.Leer y aplicar estos cien consejos será el mejor retorno a la inversión de tiempo que hagas este año.Juan B. Solana, economista y director global de corporación de la lista Fortune 500

A revolutionary guide to navigating the financial aspects of real relationshipsHave you ever asked yourself "What if I'm a tightwad and my significant other is a spendthrift?" or vice versa? Scott Rick, a behavioral scientist at the University of Michigan's Ross School of Business, knows that many people do. He also knows that the financial aspects of an intimate relationship can become a money minefield if couples try to navigate it without first discussing all of the financial issues between them, especially if those two people have different approaches to spending.Tightwads and Spendthrifts is a science-based guide to understanding and transforming how we manage money, both on our own and in relationships. Building on his original research, and surveying a vast body of interdisciplinary work, Tightwads and Spendthrifts will help you understand your own financial psychology and how it plays out in your relationships. Can tightwads and spendthrifts live together in harmony? Rick says "yes," but not without first asking hard questions about whose opinion should count most when making a financial decision. After all of the issues have been aired, he tells readers how to create a game plan for navigating financial decision making that both Tightwads and Spendthrifts can rely on for a happy life together.

Money for Millennials provides you with the basic tools you need to manage your life and plan for your financial future. You'll learn how to oversee every aspect of your personal finances as well as how to strengthen your financial plan to yield better returns on your investments.