Showing posts with label Free eBook downloads. Show all posts
Showing posts with label Free eBook downloads. Show all posts

Sunday, February 6, 2011

The Investment Answer: Free download pdf epub

 

 

 

About the Book from official site

Do you know how much you weigh?
Do you know whether you have high or low blood pressure?
Have you ever had your cholesterol tested? Is it low or high?

You probably know the answers to these questions about your physical health. Now, can you answer these questions about your financial health?

Is your financial advisor a fiduciary who really works for you?
What is your percentage mix of stocks, bonds, and cash?
Do you know how your investments are doing and how much risk you are taking?
How much are you really paying in fees and investment-related taxes?

Most of us can't answer these important financial questions…but we must. We spend more time planning our next vacation than thinking about our investments and it shows: individuals have notoriously poor investment results. We need to take action now to become smarter investors and better stewards of our money.

At last, here's the good news.

Jargon-free and written for all investors — experienced, beginner, and everyone in between — The Investment Answer distills the process into just five decisions — five straightforward choices that can lead to safe and sound ways to manage your finances.

Goldie and Murray's inspired collaboration is the one — and only — book you need to have a successful investment experience.





Tags:

The 4-Hour Body: Free e-book



The New York Times Book Review’s advice and miscellaneous best-seller list — the place where self-help books go to eyeball one another — is a boisterous rolling carnival of hustlers and hacks and optimists and jokers, with the occasional naked lady, tent preacher, dog trainer or television chef thrown in for good measure. Serious books do appear there, but they’re like guests who’ve wandered into the wrong party.

Among the writers who’ve appeared on that list, Timothy Ferriss — author of “The 4-Hour Workweek” (2007) and now “The 4-Hour Body” — is an unusually beguiling humanlike specimen. He’s a graduate of the prep school St. Paul’s and has a degree in East Asian studies from Princeton University. He is also a Guinness Book of World Records record holder for most consecutive tango spins in one minute, a feat he accomplished with a partner on “Live With Regis and Kelly.”

What else is worth knowing about Mr. Ferriss? After college he founded — and later sold — BrainQuicken, a Web company that sells nutritional supplements. He’s a so-called angel investor in Internet companies. He’s spoken at one of those futuristic, cerebral TED conferences. He pals around with Silicon Valley C.E.O.’s. Wired magazine crowned him, in 2008, the “greatest self-promoter in the world.” He is said to be very good at Chinese kickboxing.
If a movie were to be made of Mr. Ferriss’s life, it would star Matthew McConaughey in little rectangular eyeglasses. Mr. Ferriss likes to pose without a shirt — in some photographs he sprouts chest hair; in others, it’s been waxed away — and to describe the veins that run across his abdomen. He tosses around words like “thrashing” and, to refer to inanimate things, “bad boys.” His new book opens at an outdoor Nine Inch Nails concert.
He can use without irony, as he does in “The 4-Hour Body,” lines like: “I was enjoying French food and a bottle of Bordeaux with a 25-year-old female yoga instructor new to San Francisco, fresh from the Midwest.” This poor woman lets slip that she’s unable to have an orgasm. Mr. Ferriss, as any humanitarian would, makes it a point to fix this problem for her. “I was able to facilitate orgasms,” he writes, “in every woman who acted as a test subject.”
Everything about Mr. Ferriss’s book declares: This is not your auntie’s self-help book. No muffled “I’m OK — You’re OK” tone here. The vibe is: I’m Superbad, bro, and I have dimples. You’re a mole person who, if you become an angel investor in my books, might someday touch the hem of my Speedo.
In his previous book, “The 4-Hour Workweek: Escape 9-5, Live Anywhere, and Join the New Rich” (his subtitles are awesome), which was on the hardcover advice best-seller list for more than 75 weeks, he delivered tips like (I’m exaggerating only slightly): hire an overseas virtual assistant for a few bucks an hour and use the extra time to ski in the Andes.
His new one, “The 4-Hour Body: An Uncommon Guide to Rapid Fat-Loss, Incredible Sex, and Becoming Superhuman,” made its debut at No. 1 on the hard-cover advice list on Jan. 2. It’s among the craziest, most breathless things I’ve ever read, and I’ve read Klaus Kinski, Dan Brown and Snooki.
Mr. Ferriss offers advice about so many disparate things — not simply losing weight and building muscle and improving sex and living forever, but learning to hold your breath longer than Houdini (!) and hit baseballs like Babe Ruth (!!) — that paging through “The 4-Hour Body” is like reading the sprawling menu in a dubious diner, quite certain the only thing you’d dare order is the turkey club.
Here’s a better analogy: “The 4-Hour Body” reads as if The New England Journal of Medicine had been hijacked by the editors of the SkyMall catalog. Some of this junk might actually work, but you’re going to be embarrassed doing it or admitting to your friends that you’re trying it. This is a man who, after all, weighs his own feces, likes bloodletting as a life-extension strategy and aims a Philips goLite at his body in place of ingesting caffeine.
As befits the former chief executive of a nutritional supplements company, Mr. Ferriss talks up a witches’ brew of juices, nuts, potions and drugs. Here’s a typical burp from an early chapter: “Overfat? Try timed protein and pre-meal lemon juice. Undermuscled? Try ginger and sauerkraut. Can’t sleep? Try upping your saturated fat or using cold exposure.”

Want to have “wolverine” sex? Who doesn’t? Eat 4 Brazil nuts, 20 raw almonds and 2 capsules of fermented cod-liver oil and butterfat four hours before intercourse. Mr. Ferriss used a hormone-slash-drug called human chorionic gonadotropin and more than tripled his semen volume. “Happy days,” he writes.

Mr. Ferriss makes difficult things seem very easy. But that line from the old Tom Waits song applies here: “The large print giveth, and the small print taketh away.” Mr. Ferriss, for example, makes a big deal about how, on his diet, you’re encouraged to go wild one day a week, eating whatever garbage makes you happy. “Welcome to Utopia,” he says. Everybody ready to dig in?
His advice for pulling this off mentions that diarrhea, unless one is careful, may result. One must consume grapefruit juice before the day’s second meal. One needs to ingest layers of supplements to increase insulin sensitivity. He drinks cooled yerba mate tea during his pig-out meals and likes a greens supplement. Best of all, he instructs one to “engage in brief muscular contraction throughout the binge.”
To paraphrase Dean Wormer lecturing the pledge Flounder in “Animal House”: “Fat, twitchy and stupid is no way to go through life, son.”
I’ll give Mr. Ferriss this: He is never boring. He’s always, on every page, as eager as a puppy going for a morning walk. He verges on being pretty funny. John Updike never described an intimate part of a woman’s anatomy as resembling “an Imperial Guard from Star Wars.” Dr. Ruth never followed a sex tip with a warning like, “Build a strong neck so she doesn’t pop your head off.”
How can Mr. Ferriss get away with touting so many practices that are outside medicine’s mainstream? He seems to think of himself as a kind of Twitter-era Johnny Appleseed or Hans and Franz, wandering the planet, pumping you up, making orgasms sweeter and abs six-packier. He quotes one doctor who says to him, “You — Tim Ferriss — can do more outside the system than inside it.”
He also writes, “I have no prestige to lose.”



Download 


Tags:

All the Devils Are Here: Free eBook


 Businessweek Review


All the Devils Are Here:
The Hidden History of the Financial Crisis
By Bethany McLean and Joe Nocera
Portfolio; 400pp, $32.95

One of the great mysteries of the financial crisis is that more than two years and dozens of books after its onset, we're still trying to figure out exactly who pulled off the heist. In All the Devils Are Here, Bethany McLean and Joe Nocera attempt to create a financial whodunit and take the latest stab at apportioning responsibility. The result—a Hieronymous Bosch painting of Wall Street bankers, insurance conglomerates, and Washington insiders—is hardly uncharted territory. Yet the authors distinguish themselves through clever sleuthing. Sure, many investment bankers, credit-rating agencies, and regulators were malignant in one way or another, but just as many were simply clueless. The authors' grand conclusion is rather simple: Bright people can do some pretty stupid things.
Take investment bankers. They brewed the intoxicants that spurred the mortgage frenzy and formulated mad-scientist concoctions—like the infamous "synthetic CDOs"—that were essentially casino bets on the housing market. Somewhat inexplicably, Wall Street also bought its own poison in the form of housing-related debt, derivatives, and options. American International Group (AIG), Bear Stearns, Lehman Brothers, and Merrill Lynch died—or set themselves up for near-death experiences—by drinking their own potions. Are these people really evil geniuses? Schlubs is more like it. As one risk manager at Merrill told the authors, "We fell for our own scam."
Rating agencies such as Standard & Poor's (MHP), Moody's Investors Service (MCO), and Fitch were intended to be one of the system's primary monitors of these companies' creditworthiness. Yet, the authors write, they had failed to issue a single warning about Enron, Tyco, or WorldCom before those companies started to blow up in 2001. That dismal experience should have hammered the credibility of ratings and raters. Yet the rating business thrived for the simple reason, McLean and Nocera attest, that both financial institutions and government needed an apparently independent body to put a seal of approval on corporate debt. As one former analyst says, "Enron taught [the raters] how small the consequences of a bad reputation were."
They took the lesson to heart. Throughout the housing bubble, the agencies stuck triple-A ratings on huge swaths of mortgage-backed securities without bothering to ask what might happen if credit were to slow down or house prices were to fall.
In a better world, regulators would have clamped down on Wall Street and the rating agencies and forced them to correct their previous mistakes. However, as McLean and Nocera explain, regulators had little muscle in an age when both Democrats and Republicans believed the market should regulate itself.
The authors tell the tale of Brooksley Born, head of the Commodities Futures Trading Commission, who tried to police financial derivatives during the Clinton Administration. For her efforts she got a bureaucratic mauling from free-market apostles Lawrence Summers and Robert Rubin, both of whom were adamant that derivatives didn't need to be supervised. Many regulators, however, weren't as well-intentioned as Born. Some tried to expand their empires by granting institutions freedom from persnickety restrictions such as state laws intended to end predatory lending. Even after 25 states tried to crack down on mortgage abuses and the FBI warned of the dangers, federal regulators remained blithely unconcerned.
Dicey firms thrived in this environment. Ameriquest, a mortgage originator that inflated appraisals, encouraged customers to lie about their incomes and misled clients about fees. At Ameriquest, the authors write, twentysomething loan officers fueled by diets of coke and meth worked 14-hour days and made $20,000 or more a month if they survived the nonstop pressure from above. "Think Glengarry Glen Ross," one of those former loan officers tells the authors.
Eventually, it all had to come tumbling down. After brilliantly detailing the blunders of a multitude of institutions and individuals, McLean and Nocera come to a tame conclusion. "Much of what took place during the crisis was immoral, unjust, craven, delusional behavior," they write, "but it wasn't criminal." Just criminally stupid.