Wealth of Experience


Book Description

Practical advice for investors from investors Presenting a fresh approach to investment guidance, Wealth of Experience is built on real investors' stories about what has worked-and what hasn't worked-for them during their personal investment journeys. The Vanguard Group, one of the world's most respected investment companies, asked hundreds of investors who have succeeded in accumulating real wealth to explain how they've gone about it. Their personal accounts make this a one-in-a-kind book with extraordinary insights on saving, investing, and managing money from "ordinary investors" for their peers. Wealth of Experience has straightforward, battle-tested advice on investing for retirement, learning about finance, and managing money. The invaluable guidance from experienced fellow investors can help readers avoid major financial pitfalls and learn from mistakes others have made. Vanguard's research confirmed its long-held belief that individual investors-sometimes derided on Wall Street as unsophisticated-are a savvy and capable group. This book proves that their collective wisdom is as valuable as any "expert" advice. The Vanguard Group (based in Valley Forge, PA) is the world's second-largest mutual fund company with 15 million shareholders and $600 billion in assets under management. Vanguard pioneered low-cost index mutual funds, and distinguished itself as a champion of superior client service and low investor costs. Andrew Clarke is a senior financial writer at The Vanguard Group. Before joining Vanguard, he worked for Morningstar, Inc., the investment research firm. Mr. Clarke is a Chartered Financial Analyst. Jack Brennan is the Chairman and Chief Executive Officer of The Vanguard Group. A graduate of Dartmouth College, Mr. Brennan received a master's degree in business administration from Harvard Business School.




Abundance


Book Description

An enlightening guide to success, fulfillment, wholeness, and plenty, offering practical advice on how to cultivate a sense of abundance in times of fear and insecurity, from New York Times bestselling author Deepak Chopra “To attain wealth of the lasting kind, the kind that gives your life meaning, value, and sustenance, base your daily existence on the generosity of spirit.”—Deepak Chopra Many of us live and operate from a mindset of lack, scarcity, and limitation. We focus on what we don’t have—financial security, confidence, an intimate relationship—which keeps us feeling insecure and inadequate. We think “if only I could have those things, I could be happy.” But measuring wealth by money or material possessions leaves us feeling drained and spiritually empty. Constantly striving for more often means our ego is driving our thoughts, actions, and reactions, which prevents us from reaching something greater: a true sense of inner peace, acceptance, and fulfillment. Yet, there is an inner path to prosperity and wealth that, once charted and explored, provides access to the great riches of the universe and life’s unbounded possibilities. In Abundance, international bestselling author Deepak Chopra illuminates this road to success and wholeness, helping readers tap into a deeper sense of awareness to become agents of change in their own lives. Mixing ancient teachings and spiritual practices with the wisdom he’s garnered over four decades as the leading figure in mind-body medicine, Deepak demonstrates how to transcend self-generated feelings of limitation and fear in order to experience true abundance in all aspects of life. To do so, he offers a seven-step plan along with meditations and mindfulness techniques to help you focus and direct your attention, energy, and intuition so you can experience stability, affluence, insight, creativity, love, and true power.




Freedom from Wealth: The Experience and Strategies to Help Protect and Grow Private Wealth


Book Description

Proven strategies for meeting the unique—and increasingly complex—challenges of private wealth management Whether you’re a money manager or managing your own wealth, Freedom from Wealth provides the tools you need to improve the management of a family fortune in today's increasingly globalized financial landscape. The authors reveal new, global, measurable standards to ensure that wealth is managed in accordance with industry best practices. They call for families to adopt the standards and name a Standards Director who can oversee their implementation, arguing that these standards help prevent the fraud and financial chicanery that produced the Madoff scandal and other recent wealth-management improprieties. Charles A. Lowenhaupt is the founder, chairman, president, and CEO of Lowenhaupt Global Advisors and a managing member of Lowenhaupt & Chasnoff, LLC, the first U.S. law firm to concentrate in tax law, which was established by his grandfather in 1908. Donald B. Trone is the CEO of Strategic Ethos and former Director of the U.S. Coast Guard Academy Institute for Leadership. In 2003, he was appointed by the U.S. Secretary of Labor to represent the investment counseling industry on the ERISA Advisory Council.




Magic for Beginners I


Book Description

This Volume contains the books: - Telepathy for Beginners - Telepathy for Advanced Learners - Telekinesis for Beginners - Auto-Movement for Beginners - Astrology for Beginners - The Language of the Moon - for Beginners - Feng Shui for Beginners - Kundalini for Beginners




Theory of Experience in Architecture and Urban Design


Book Description

This unique volume presents the practical tools for architects and urban designers to improve the work processes of architectural design—from conception to construction, taking into consideration the personalized world of users, architects, and urban designers. The volume starts from the conception of architectural space as a continuum that goes from the subjective depth of the mind to the objective reality, taking into consideration the perspective of building experiences for users. It is based on the idea that at the heart of that continuum is the experience of architecture and the city as the element that unites them and gives them meaning. The volume first defines what the architectural experience is from the processes of perception, cognition, and evaluation that users and architects make about workplaces and programs. It goes on to consider the knowledge and tools needed for the evaluation of users and places, providing the methods that will help to understand the architectural experience desired by the main users of both the architectural object and an urban design, providing a series of techniques that have proven effective. Key features: Describes the theoretical approaches, methods, and tools necessary for architectural and urban design for creating experiences for users Provides a deep understanding of the nature of built environments and what they express Discusses specific methods for in-depth research on users’ subjective space through making meaningful contact with them and through appropriate technological means, such as research on their expressions and communications on virtual social networks This book will help to make urban architects and designers aware of their importance for the implementation of public policies that will work in the very long term, with the expectation that by becoming aware of this role, they can act in accordance with an ethic based on values of protection of life, human solidarity, compassion, vitality, freedom, equality between people and social justice.




Andrew Carnegie Speaks to the 1%


Book Description

Before the 99% occupied Wall Street... Before the concept of social justice had impinged on the social conscience... Before the social safety net had even been conceived... By the turn of the 20th Century, the era of the robber barons, Andrew Carnegie (1835-1919) had already accumulated a staggeringly large fortune; he was one of the wealthiest people on the globe. He guaranteed his position as one of the wealthiest men ever when he sold his steel business to create the United States Steel Corporation. Following that sale, he spent his last 18 years, he gave away nearly 90% of his fortune to charities, foundations, and universities. His charitable efforts actually started far earlier. At the age of 33, he wrote a memo to himself, noting ..".The amassing of wealth is one of the worse species of idolatry. No idol more debasing than the worship of money." In 1881, he gave a library to his hometown of Dunfermline, Scotland. In 1889, he spelled out his belief that the rich should use their wealth to help enrich society, in an article called "The Gospel of Wealth" this book. Carnegie writes that the best way of dealing with wealth inequality is for the wealthy to redistribute their surplus means in a responsible and thoughtful manner, arguing that surplus wealth produces the greatest net benefit to society when it is administered carefully by the wealthy. He also argues against extravagance, irresponsible spending, or self-indulgence, instead promoting the administration of capital during one's lifetime toward the cause of reducing the stratification between the rich and poor. Though written more than a century ago, Carnegie's words still ring true today, urging a better, more equitable world through greater social consciousness.




Talking in Clichés


Book Description

For decades, social perspectives, and even academic studies of language, have considered clichés as a hackneyed, tired, lazy, unthinking and uninspiring form of communication. Authored by two established scholars in the fields of Systemic-Functional Linguistics and Discourse Studies and Pragmatics, this cutting-edge book comprehensively explores the perception and use of clichés in language from these complementary perspectives. It draws data from a variety of both written and spoken sources, to re-interrogate and re-imagine the nature, role and usage of clichés, identifying the innovative and creative ways in which the concepts are utilised in communication, interaction, and in self-presentation. Observing a rich, complex layering of usage, the authors deconstruct the many and varied ways in which clichés operate and are interdependently constructed; from the role they play in discourse in general, to their functions as argumentative strategies, as constructs of social cognition, as politeness strategies, and finally as markers of identity.




Astrology for Beginners


Book Description

Astrology is the best known and the most precise oracle system. With its help one can create horoscopes describing the character of people, companies and events. However, astrology is not simply a matter of fateful and unintentional imprinting, but a recognition of how one is, based on the parable of the position of the planets at the time of birth. The horoscope describes a person as a play: the ascendant is the stage set; the planets are the actors; the zodiac signs are the roles of the actors; the astrological houses are the areas of life in which the actors appear; the ego is the director who is responsible for the level of the play - and if the director should ever get stuck, he can ask the scriptwriter, i.e. the soul, for the meaning of this play. This book contains all the information necessary for the interpretation of a horoscope - but everything in a rather short form, because this introduction for beginners should not get 1000 pages ...




Wealth of Wisdom


Book Description

Discover practical tools and strategies for helping wealthy families retain and grow wealth In Top Practices Wealthy Families and Their Advisors, accomplished family wealth experts Tom McCullough and Keith Whitaker deliver a comprehensive collection of practical activities that members of wealthy families can undertake to ensure their continued success and development. The book contains over 50 chapters, each highlighting a practical tool, exercise, or activity that can be applied by advisors or family members themselves. Each chapter is written by a recognized expert in the field who has used the highlighted tool, exercise, or activity over many years with great success. The book shows readers how to: Identify the factors that matter the most when it comes to retaining and growing family wealth Plan thoughtfully, invest wisely, and raise the next generation Share their decision making prudently and carefully combine family and business Incorporate charitable giving into an overall wealth strategy and seek sound advice Perfect for family wealth advisors, financial planners, and private bankers, Top Practices for Wealthy Families and Their Advisors is also an indispensable resource for managers of family trusts seeking to protect and advise their clients.




We Need to Talk


Book Description

"We Need to Talk: A Memoir About Wealth gives voice to an experience millions share, but no one discusses: what it's like to be rich. The book is an honest, personal story that explores the hidden impact of wealth on identity, relationships, and sense of place in the world. Too often, we link net-worth to self-worth and keep quiet about how our finances make us feel. Money is a taboo subject. The author hopes We Need to Talk becomes a catalyst for conversation that demystifies wealth, gets us talking on a personal level, and confirms we are ninety-nine percent the same. In 1991, at twenty-six years old, Jennifer took a job at Microsoft and got lucky. She met her future husband, David, and the stock options she was granted were worth hundreds of thousands of dollars. His were worth far more. Years later, when David joined a small, unknown start-up called Amazon.com, she got lucky again. They both did. They were in their early thirties and had tens of millions of dollars. It was amazing. The freedom and benefits were obvious. But after growing up saving her pennies and being wary of the rich, Jennifer was embarrassed to have joined their ranks. She wasn't worried about being liked for her money, she was worried about being hated for it. People looked at her differently. She didn't know how to ensure her children stayed motivated and not entitled, was shocked when a friend asked for $25,000, discovered philanthropy isn't as straightforward as just writing a check, and grappled with the meaning of enough. For years, she didn't share her dilemmas with others for fear of being judged. No one talks about money-but we should"--