Personlig økonomi

"Hvis bare nogen i sin tid havde fortalt om udbytteaktier og værdien af dem på sigt, da jeg begyndte på alt det her."Den tanke ramte Carsten Rasmussen en forårsdag 2020, da markederne verden over faldt til jorden som resultat af den globale nedlukning for at inddæmme COVID-19 virussen. Hér viste sig en oplagt mulighed for at samle op for at forbedre sin udbytteportefølje. En lektie, der blev lært efter finanskrisens udbrud i 2008/2009, og som nu for alvor kom den autodidakte investor til gode.Som person med studie eller fuldtidsarbejde at se til, så er dét med aktier ikke altid det letteste. Nogen kaster sig ud i det uden omtanke, imens andre ganske enkelt ikke tør, da det virker for kompliceret, idet bøger om investering oftest er på den gode side af 300 sider. Dette ændres nu med denne bog, hvor læseren får et indblik i en verden af udbytteaktier samt en forklaring på, hvordan udbytte kan føre til økonomisk frihed over tid.

Formålet med Mikkel Thorups bog ‘Gæld’ er ikke at skabe en ny teori om gæld eller at foreslå nye gældspraksisser. Det er langt mere beskedent, nemlig at være en løbende kommentering af det, vi kunne kalde for gældens kulturelle arkiv, dvs. en fremstilling af og kommentar til en række af de historiske og aktuelle tekster, der har været med til at forme og danne vores forestillinger om gæld. Det er altså gæld som idé og moralitet snarere end som økonomi, der er bogens omdrejningspunkt. Man kunne kalde bogen en gældens idehistorie. Bogen rummer kapitler om gældsmoral, gældsmennesket, gældspolitik og gældsmodstand.

This new edition of the bestselling guide brings sophisticated investors-including institutional and individual investors, investment bankers, and those who want to follow in the footsteps of legends like John Bogle-up to date on ETFs, risk management, neuropsychological investing concepts, and moreSince its original publication two decades ago, The Four Pillars of Investing has become a classic guide for serious investors. The practicalities of investing, however, have changed dramatically, particularly pertaining to ETFs, and thinking has evolved about a host of key issues, such as lifecycle finance, the nature of risk, and basic finance and neuropsychological concepts. This new edition has been fully updated to address all these issues.Retired neurologist and hugely popular finance author William Bernstein applies his trademark informal writing style to help you become more self-sufficient and make better-informed investment decisions. He walks you through the "four pillars" of investing:The Theory of Investing: "Do not expect high returns without risks."The History of Investing: "About once every generation, the markets go barking mad. If you are unprepared, you are sure to fail."The Psychology of Investing: "Your greatest investment enemy is the face staring back at you in the window."The Business of Investing: "The investment industry wants to make you poor and stupid. Don't let them."You'll learn how to build a solid foundation for investing by focusing on these four essential lessons, each of which builds upon the other. The Four Pillars of Investing includes practical investing advice based on fascinating history lessons from the market, exercises to determine risk tolerance as an investor, and easy-to-understand explanations of risk and reward in the capital markets.This unmatched resource provides the tools you need to construct a high-performance portfolio-without the help of a financial adviser.

Vil du gerne ændre dine forbrugsvaner og få de nye vaner til at sidde fast? Vi undrer os ofte over, hvor pengene bliver af, og mange af os kæmper med at spare op til vores drømme. Men hvis vi tager magten over vores penge tilbage, vil vi opdage, at vi har flere til rådighed, end vi troede. Det gælder om at lægge en plan for pengene og få dem til at arbejde for at skabe dine drømme, så du ikke blot følger andres drømme og andres planer.Her får du 28 daglige udfordringer, der sender dig ud i alle kroge af din økonomi. Du bliver klogere på din pengehistorie og klar til at se dit reelle forbrug i øjnene. Det er kun, når vi erkender tingenes tilstand, at vi kan ændre noget. Uanset om du blot trænger til en genstart af tidligere gode forbrugsvaner eller en helt ny måde at tænke på dine penge, så er du kommet til det rette sted.Bogen er en del af serien 28 dage til …, som er sat i verden for at hjælpe os med at ændre noget af det sværeste, nemlig vores vaner.Om forfatterJane Ibsen Piper er uddannet jurist og har de seneste 12 år arbejdet inden for den finansielle sektor. Jane har haft CVR-nummer i flere år ved siden af sit lønmodtagerjob. Hun har skrevet flere bøger, ligesom hun driver blog, podcast og Facebook-fællesskabet ‘Minimalisme og købestop’ med 40.000 medlemmer.E-bogen er lavet i fixed format

The Biggest Edition - Revised and Expanded with All New ChaptersA captivating and inspiring guide to building an untouchable empire from mud to marble, no matter what obstacles stand in the wayRick Ross is a hip-hop icon and a towering figure in the business world, but his path to success was not always easy. Despite adversity and setbacks, Ross held tight to his vision and never settled for anything less than greatness. Now, for the first time, he shares his secrets to success, offering his own life as a road map to readers looking to build their own empire. Along the way he reveals: How to turn your ambition into action Tips for managing and investing your money Inside stories from his business and music ventures Why failure is central to success Secrets to handling stressful situations How to build the perfect team As Ross explains, "It doesn't matter what's going on. Even the most dire situation is just another opportunity to boss up."Intimate, insightful and brimming with no-nonsense advice, The Perfect Time to Boss Up is the ideal book for hustlers everywhere.

When it comes to money, are you controlled by fear? Do you underestimate your worth? Are you ready to go to the next level, but can't seem to get there?If you answered yes to any of these questions, you may be an underearner. Underearners are self-saboteurs who don't live up to their earnings potential, says Barbara Stanny, a financial educator, motivational speaker, and career counselor. Whether they make $10 an hour or six figures a year, they tend to live paycheck to paycheck, are often in debt, and have a high tolerance for low pay. Ironically, many work incredibly hard. The good news is that underearning is a self-imposed condition. By focusing on overcoming it, underearners will not only earn what they deserve, but live a richer life. With techniques and exercises that have helped thousands of people, Stanny teaches five essential steps to financial independence and brings a message of empowerment to all those who chronically undervalue themselves.

Quietly and steadily, the number of women making six figures or more is increasing and continues to rise at a rate faster than for men. From entrepreneurs to corporate executives, from white-collar professionals to freelancers and part-timers, women are forging careers with considerable financial success. In Secrets of Six-Figure Women, Barbara Stanny, journalist, motivational speaker, and financial educator, identifies the seven key strategies of female highearners: A Profit Motive, Audacity, Resilience, Encouragement, Self-Awareness, Non-attachment, and Financial Know-How.Based on extensive research and hundreds of interviews, including more than 150 women whose annual earnings range from $100,000 to $7 million, Barbara Stanny turns each of the six-figure traits into a specific strategy for upping earnings. By rigorously fine-tuning them, readers can, step-by-step, climb the income ladder.

Er du parat til at gøre stop undervejs i livet og reflektere over, hvordan du bevarer livsgnisten?Oftere er der nu fire generationer i samme familie, og 100-års fødselsdagene er i vækst. De lange liv rummer mange muligheder og nye udfordringer. SENIOR COOL er til dig, der har indset, at du må udforske din livskvalitet for at skabe en god, meningsfyldt tilværelse resten af livet.”Seniorer kan se om hjørner. Unge mennesker kan løbe om hjørner.” - forfatter Bjarne Hastrup, administrerende direktør i Ældre Sagen.

Overvejer du at starte et bofællesskab eller kollektiv, men har brug for hjælp til regneark og paragraffer? Eller bor du allerede i et fællesskab med andre, men savner at forstå og kaste et kritisk blik på den økonomiske organisering?”Fælles fundament” guider dig og dine (kommende) bofæller igennem de væsentlige økonomiske aspekter af det at etablere et kollektiv og skabe en bæredygtig økonomisk organisering og drift, som stemmer overens med jeres værdier og fællesskabs-drømme:- De væsentlige værdispørgsmål i forbindelse med økonomien- Processen trin for trin frem til I køber et sted at etablere fællesskabet- Den basale jura for bofællesskaber- Finansiering, herunder lånoptagelse og prissætning af andele/indskud- Driftsøkonomi og huslejer- Praktiske tips- Skabeloner for budgetter, beregninger og årsopgørelse til SKAT, som kan downloades i interaktive versionerBogen erstatter ikke rådgivning, men støtter jer i et godt og effektivt samarbejde med blandt andre advokat og långivere.”Fælles fundament” er for fællesskabssøgende i alle livsfaser og relevant for både kollektiver og bofællesskaber. Den henvender sig først og fremmest til fællesskaber, som etableres i én ejer-, leje- eller andelsbolig, men dele af bogen er også relevant for almene boligorganisationer og fællesskaber med flere eje-, leje- og/eller andelsboliger.Indeholder skabeloner for budgetter, beregninger og årsopgørelse til SKAT, som kan downloades i interaktive versioner

For meget rod? For lidt plads? For lidt overskud? Føler du, du bruger alt for meget energi på at vedligeholde, og er er alt den energi du bruger på at rydde op en evig drænende opgave... Der bare bliver ved med at komme tilbage? Velkommen. Jeg har været der. Jeg ved, hvad du slås med. Du kan finde enormt mange bøger om systemer, der skal gøre oprydninger lettere og mere effektive. Fint, fint. Men denne bog kan mere end det. Ryd Dig Op viser dig, hvorfor du har problemet, og hjælper dig af med det. Og så er der oven i købet ryddet op bagefter. - Og rigtig god fornøjelse!

AS SEEN ON THIS MORNING'Bola Sol is a crucial voice in the financial advice arena. With practical, actionable tips, relatable commentary and a no-nonsense approach to financial literacy, her insights save money, but just as importantly, time too.' Yomi Adegoke, author of THE LIST and co-author of SLAY IN YOUR LANE'An empowering and practical guide to financial literacy and independence . . . The book is filled with real-life examples, clear explanations, and motivational insights, making complex financial concepts accessible to everyone.' GLAMOUR MAGAZINE________________________________________We need to talk about money. Women have been overlooked and underestimated when it comes to finance; we typically earn less, are encouraged to spend more, and have fewer opportunities to build funds. But if we talk about money and share our knowledge, we will grow in confidence and wealth. This is the secret to securing your future and paying for all the things that matter.Whether you want to have children, get married, pay for a mortgage, start your own business or pay for nice holidays, all these goals cost money. But by building solid money habits you can plan for all life's major milestones and dream bigger. Bola Sol offers the essential tools needed to get started and make your bank balance healthier. Once you've done that, she demonstrates how you can grow your ambition and become wealthier. Finally, she reveals how you can use this money smartly to pay for things you want and become happier.Money isn't everything, but Bola shows how you can build your financial knowledge to enhance your wellbeing, open up new possibilities, and achieve your life goals.

Uundværlig og uimodståelig håndbog i alt fra badeværelsesafkalkning til SU-lån,skrevet så du pludselig får lyst til at læse mere om lejeloven.Velkommen til en bog om de mest kedelige emner, du kan forestille dig. Faktisk så kedelige, at du højst sandsynligt ikke har spildt mange minutter på at sætte dig ind i dem.Dog er vores samfund skruet sammen på en sådan måde, at du vil få svært ved at undgå dem. Du kan gøre et forsøg, men det vil kræve, at du øjeblikkeligt klipper dit sygesikringskort over, flytter til Papua New Guinea og undgår al kontakt med den øvrige civilisation resten af dine dage. Efter en uges tid med bølgeskvulp og brøleabeskrig vil du formodentligt ønske, du havde taget kampen op og blot læst denne bog i stedet.Kort sagt er Guide til Voksenliv en hjælp til at blive et selvstændigt voksent menneske – eller så godt som det nu kan lade sig gøre.Her får du en introduktion til det univers af nye dagligdagsbegreber, der venter på den anden side af myndighedsalderen.Bogen kan læses fra ende til anden, men fungerer også ideelt som opslagsværk, når du står og mangler viden om boligstøtte, bilforsikring, eller hvordan du bedst udnytter din fryseboks. Det er den oplagte flytte- hjemmefra-gave til en ung, eller mental ung, person.

From an experienced business journalist, the story of how women have fought for financial freedom, and the social and political hurdles that have keep them from equality

'This book is quite literally a life-changer.' GREGG WALLACE'Making the most of your freezer is the best way to save money and waste less food.' CHRIS BAVIN------------Want to save thousands of pounds on your food bill? Eat a healthy varied diet? Cut down on food waste?The secret to all of this is in your freezer. This simple, five-step organisation guide will change the way you shop, cook and live - saving you money, time and wasted food. Kate Hall has already helped countless people transform their freezers from unloved graveyards of good intentions to organised treasure troves of ingredients ready to make a meal you actually want to eat, without having to pop to the shops or scrimp on quality. With handy illustrations and money-saving tips, The Full Freezer Method will empower you to make lasting change, save you money and actually enjoy the process.

'The tips and trick are just brilliant.' Jane Dunn, author of Jane's Patisserie'Finally, an eco-friendly home guide that's relatable and we can all follow.' Sophie Liard, author of The Folding LadyOne change, any change, will make a difference to our precious planet.We all want to do our best for our homes and the planet, but it's often hard to find the time and energy to think of alternatives. Nancy Birtwhistle makes it easy with 101 indispensable tips, ideas and recipes that will help you to live a more eco-friendly life without giving up on any home comforts.This practical book from Sunday Times bestselling author and Great British Bake Off winner Nancy Birtwhistle is the ultimate guide to reducing your environmental impact while saving you time and money. Inside are tips and home hacks on everything from eco cleaning, upcycling and making the most out of your weekly shop to small-space gardening and creative crafts, plus a selection of Nancy's delicious recipes. Clearly explained, accessible and beautifully illustrated with black and white line-drawings, Green Living Made Easy is the perfect guide for anyone looking to pursue a more sustainable lifestyle but unsure where to start.

”Derfor elsker jeg REITs” er efterfølgeren til bogen ”Derfor elsker jeg udbytteaktier”. Bogen vil på en letforståelig måde give dig en introduktion til de amerikanske ejendomsaktier, Real Estate Investment Trusts (REITs), og hvorfor netop REITs er gode udbytteaktier. Linnéa giver i bogen en dybdegående gennemgang af denne specifikke aktietype og forklarer, hvorfor hun mener, de er fremragende udbytteaktier og dermed er et interessant valg til din investeringsportefølje.Linnéas fokus er, som altid, rettet mod det stabile udbytte, som kan være med til at opfylde hendes mål om økonomisk frihed, fra udbytte. Her spiller REITs en central rolle i hendes egen strategi og udbytteportefølje. Sidst i bogen fortæller Linnéa åbent om, hvad hendes egen REIT-portefølje består af og kort om sin overordnede investeringsstrategi.

Sometimes the world comes at you fast, and trying to figure out your finances in shifting realities can really break your brain-and your bank accounts! When life is overwhelming, getting out a pencil and paper and working out your numbers can seem impossible. Erin Lowry's Broke Millennial series has been helping people get their financial lives in order for years, and now readers can roll up their sleeves and work out their finances alongside her in this practical and endlessly useful workbook. From working out the correct amount you need in your emergency fund and creating an effective attack plan for your debt to writing out scripts to discuss ?taboo? money topics and set boundaries with family and friends, this book covers every nook and cranny of your financial landscape.

Yandina, Queensland, Australia

An overarching message of > is...WE WERE WARNEDIn 1965, Robert Kiyosaki left Hilo, Hawaii and reported to the US Merchant Marine Academy, at Kings Point, New York.At the academy, Robert¿s economics teacher, encouraged the class to read Marx¿s Communist Manifesto, Hitler¿s Mein Kompf, and Maös Little Book.In 1972, Robert was a US Marine Corp pilot, flying in Vietnam, witnessing lessons learned about communism, at the academy, coming true in real life.In 1973, returning to California, Robert and his troops were greeted by anti-war protestors, hippies of the Woodstock Generation. Marx¿s > was alive and well in America. Marx¿s ideology was spreading through America via the education system.In 2020, protestors are parents, protesting mandatory vaccines for their children, wearing of masks, and the teaching of Critical Race Theory, gender identity, and Post-Modernist Education... all Marxist in heritage.>> is a book of warnings. For example:On capitalism Marx warned: ¿The last capitalist we hang shall be the one who sold us the rope.¿On education Lenin warned: ¿Give us the child for eight years and it will be a Bolshevik forever.¿On elections Stalin warned: ¿It's not the people who vote that count¿It's the people who count the votes.¿On the Federal Reserve bank Lenin warned: ¿The establishment of a central bank is 90% of communizing a nation.¿On printing money, taxes and inflation Lenin said: ¿The way to crush the bourgeoise is to grind them between the millstones of taxation and inflation.> is dedicated to our freedoms, especially the Freedom of Truth.> is dedicated to seeking out the truth behind the NEA, IRS, and FED ¿ the National Education Association, the Internal Revenue Service, and the Federal Reserve Bank.In > I offer alternatives that any person or family can put in motion. How can we counter communism taught in our schools? By teaching capitalism in our homes.

Why are otherwise smart and competent people such lousy investors? Individual investors give up as much as two-thirds of their potential investment returns in misguided efforts to beat the market—and most don't even realize it.Ashvin B. Chhabra, chief investment officer of one of the world's largest wealth management firms, explains that an important idea has gotten lost amid the relentless pursuit of investment returns. Rather than trying to beat the market, your primary goal should be to construct an investment strategy that creates a solid safety net and enables you to pursue your dreams and aspirations.With no more guarantee of lifelong jobs or pensions, all of us bear the burden of investing wisely. But many of us focus on the wrong set of investment activities, such as identifying the next great start-up or star fund manager, or simply beating a market benchmark. Even the standard framework for investing, modern portfolio theory, offers an incomplete solution. Meanwhile, the grand debates in finance, such as indexing versus active management, prioritize the wrong set of issues.We need a framework that shifts the focus of investment strategy from portfolios and markets to individuals and the objectives that really matter: protection against unexpected financial crises or retirement planning. Whatever matters most to you—paying for your kid's education, starting your own business, endowing your favorite charity, or traveling the world—you need a road map to help you achieve both your essential and aspirational goals.In The Aspirational Investor, Ashvin B. Chhabra outlines a groundbreaking yet intuitive approach to managing wealth, based on the identification of key goals and the careful allocation of resources and risks. The Wealth Allocation Framework will help you connect your investment portfolio with your life's goals, and accommodate the three seemingly incompatible objectives that must underpin every sound wealth management strategy: the need for financial security in the face of unknowable risks, the desire to maintain current living standards despite inflation, and the opportunity for life-changing wealth creation.Chhabra's pioneering work illuminates some surprising facts about how people get very wealthy, and reinterprets the success formulas of investing greats such as Warren Buffett and David Swensen. Chhabra also offers a novel perspective: If the markets don't really care about you, as surely they do not, then why should you spend all your time and effort trying to beat them?Raising the bar for what we should expect from our investment portfolios—and from our investment advisors—The Aspirational Investor is a thoughtful, practical guide for any investor, regardless of income or wealth level.

Min Madplan er bogen til dig, der gerne vil i gang med at lave madplan hver uge, og samtidig holde styr på dagligvarebudgettet. Bogen strækker sig over 6 måneder, hvor du hver uge udfylder din madplan (som du kan klippe ud og hænge op). Du skriver indkøbsliste, samt laver regnskab over dagligvarerne.Du laver løbende lister over hvilke madvarer du har i fryser og skabe, du sætter dig (økonomiske) mål, og beregner statistik i procent af dine personlige dagligvarekategorier.Bogserien FamilieFinanser.

21 Things...You Need to Know About Money - How to Get It, Keep It, and GROW It is a basic guide to financial concepts and strategies that everyone, especially those 30 and under, should know. We all want to make the right decisions with our money. But, in order to do that, we need to know the right questions to ask. 21 Things... will educate you on the questions you should be asking yourself before you make decisions withyour money.Whether you are planning for a family or planning for retirement, 21 Things... You Need to Know About Money can assist you in making the right financial decisions for your life. Many of us are not taught these basic concepts at home or in school, so let this book be the guide you never realized you needed.

Turn your aspirations of home ownership into reality.Buying a home is a milestone that should be celebrated, but too often the achievement is overshadowed by the stress people feel when trying to get their loan approved. Or, worse, the fear of the unknown prevents them from taking the plunge, keeping them stuck in the rental trap. The Happy Home Loan Handbook demystifies the home loan process, providing a step-by-step breakdown of:how to get your loan approvedhow best to set up your loanhow to locate, negotiate and purchase the home you wanthow to build your support team to guide youhow this home-buying experience can become your reality.If you are an aspiring first-home buyer or ambitious upgrader, this helpful handbook will show you how to have your home loan approved and buy your dream home so you can get on with enjoying life.

"Profit Pillars outlines step-by-step guidance in response to these questions so even the most creative and visionary online business owners can learn how to better manage the flow of money in and out of their businesses"--

Written by the founder of the Acorns Micro Investing App in Australia and Raiz Invest a global investing App, this book offers a exploration of WealthTech - a revolutionary concept altering the landscape of the wealth management industry. By creating new opportunities for financial institutions, start-ups, and individuals alike, WealthTech emerges as a rapidly expanding sector, with immense potential to alter the landscape of wealth management.This insightful book delves into the complexities of WealthTech, dissecting its intricacies to give readers a comprehensive understanding of this dynamic field. It underscores the challenges propelling its growth while highlighting the potential it holds for instigating social change by democratizing wealth accumulation and management.Drawing from the author's vast experience in spearheading WealthTech start-ups on a global scale, this book equips you with indispensable knowledge. It empowers you to devise successful strategies and thrive in this exhilarating domain. Moreover, it offers specific techniques to surmount the hurdles that come with venturing into the potentially rewarding WealthTech sector.With its exhaustive coverage of WealthTech, this book serves as an indispensable resource for anyone seeking to capitalize on or comprehend the digital transformation revolution in wealth management and financial services. Don't miss the chance to harness the power of digital transformation to fuel the growth of your wealth management business.