Life is not lived all at once—it’s lived in moments, days, months, years, and decades. This means that the financial plans and actions we all have to take to meet our responsibilities sensibly must be organized by years and decades. Ben Stein wrote the original guide to this subject almost a quarter century ago. Now, Ben, along with Phil DeMuth, the eminent financial planner and writer, have gotten together to update the book, incorporating the massive changes that have occurred in the economy in the past 25 years. This book tells you what and when to save, how much to save, what to save it in, when to spend, and when to say no to your present and yes to your future. Yes, You Can Get A Financial Life! is a time-traveling guidebook on how to organize the money side of your life for all of the decades of your life.
With the bursting of the stock market bubble, and after 13 rate cuts by the Federal Reserve, yields on CDs and money market funds tread at historic lows - a negative return after inflation. Gone are the days when investors could earn 5 percent interest, risk-free. With smaller savings coupled with lower returns on what savings remain, retirees and others living on fixed-income investments watch in horror as their income checks shrink with each passing month. However, there are investments that still earn a significant rate of return - and do so reliably and consistently. These fixed-income securities include bonds, real estate investment trusts, preferred stock, emerging market debt, and annuities, among others. They earn the kind of returns that baby boomers and the retirement community need in the same way they need to draw breath, yet hardly anyone knows anything about them. As 70 million Americans reach retirement age in the next 15 years, fixed-income investing will become a sociologically inevitable mega trend. Yes, You Can Be a Successful Income Investor! shows you how you can safely secure the highest possible yield from your savings, even in a treacherous investment environment.
Ben Stein and Phil DeMuth examine this anti-American rage, providing plentiful and outrageous examples from campuses to foundations to Democratic candidate debates to liberal "fund-raisers" that openly tout hate as their message. The authors attempt to plumb the psychological wellsprings that generate this anger: Is it infantile narcissism? Is it a desperately incomplete maturation process? Is it competition with patriarchal figures? The authors attempt to create a psychological road map that explores what the psychological roots of this national self-loathing might be. This is a unique approach, attempting to explain political beliefs in terms of psychological background, and the authors believe that it’s the only approach that works, since a realistic appraisal of America would not allow as much rage as we see in daily political discourse. Finally, the authors offer a plan for how to fight back: They recommend educating your children in such a way as to develop pride in their country, suggest specific reading materials, offer ways to raise your voice to talk back to the major newspapers and TV networks, and even discuss how you can work fearlessly in university settings so that the left doesn’t dominate political discourse. Can America Survive? is a portrait of what is clearly wrong with the national mood, where that malady comes from, and how those who still believe in America can work in their communities and in the nation to preserve the republic.
Praise For THE LITTLE BOOK OF ALTERNATIVE INVESTMENTS "Ben and Phil have done it again. Another lucid, insightful book, designed to enhance your wealth! In today's stock-addled cult of equities, there is a gaping hole in most investors' portfolios...the whole panoply of alternative investments that can simultaneously help us cut our risk, better hedge our inflation risk, and boost our return. This Little Book is filled with big ideas on how to make these markets and strategies a treasured part of our investing toolkit." —Robert Arnott, Chairman, Research Affiliates "I have been reading Ben Stein for thirty-five years and Phil DeMuth since he joined up with Ben ten years ago. They do solid work, and this latest is no exception." —Jim Rogers, author of A Gift to My Children "If anyone can make hedge funds sexy, Stein and DeMuth can, and they've done it with style in this engaging, instructive, and tasteful how-to guide for investing in alternatives. But you should read this Kama Sutra of investment manuals not just for the thrills, but also to learn how to avoid the hazards of promiscuous and unprotected investing." —Andrew Lo, Professor and Director, MIT Laboratory for Financial Engineering
Most investors spend their time worrying about selecting individual stocks and mutual funds: big mistake! Modern Portfolio Theory—developed in 1952 by economics Nobel Prize winner Harry Markowitz—shows that it’s more important to focus on how our securities interact as a whole. Astonishingly, most investors—including many professionals—still run their investment accounts the same way people did back when "How Much Is That Doggie In the Window" played on the Hit Parade. It’s time to apply what we’ve learned in financial economics over the past 50 years to bring your portfolio into the rock-’n-roll era.Armed with a computer, you, the investor, can use sophisticated tools to analyze your holdings—tools that would have been the envy of the biggest money managers only a decade ago. First among these is the Monte Carlo simulator: the better mousetrap that investors have been waiting for.With their trademark wit, Ben Stein and Phil DeMuth show you how your current portfolio is radically underdiversified, costing you money. They offer step-by-step instructions to supercharge it across a variety of investment situations to get you the best risk-adjusted returns.
This fully revised, updated and reorganised third edition provides a thorough introduction to the characterisation techniques used in surface science and nanoscience today. Each chapter brings together and compares the different techniques used to address a particular research question, including how to determine the surface composition, surface structure, surface electronic structure, surface microstructure at different length scales (down to sub-molecular), and the molecular character of adsorbates and their adsorption or reaction properties. Readers will easily understand the relative strengths and limitations of the techniques available to them and, ultimately, will be able to select the most suitable techniques for their own particular research purposes. This is an essential resource for researchers and practitioners performing materials analysis, and for senior undergraduate students looking to gain a clear understanding of the underlying principles and applications of the different characterisation techniques used in the field today.
Archive That, Comrade! explores issues of archival theory and practice that arise for any project aspiring to provide an open-access platform for political dialogue and democratic debate. It is informed by the author’s experience of writing a memoir about his involvement in the London underground scene of the 1960s, the London street commune movement, and the occupation of 144 Piccadilly, an event that hit the world’s headlines for ten days in July 1969. After a brief introduction that sets the contemporary scene of ‘archive fever,’ the book considers what the political legacy of 1960s counter culture reveals about the process of commemoration. The argument then opens out to discuss the notion of historical legacy and its role in the ‘dialectic of generations’. How far can the archive serve as a platform for dialogue and debate between different generations of activists in a culture that fetishises the evanescent present, practices a profound amnesia about its past, and forecloses the sociological imagination of an alternative future? The following section looks at the emergence of a complex apparatus of public fame and celebrity around the spectacle of dissidence and considers whether the Left has subverted or merely mirrored the dominant forms of reputation-making and public recognition. Can the Left establish its own autonomous model of commemoration? The final section takes up the challenge of outlining a model for the democratic archive as a revisionary project, creating a resource for building collective capacity to sustain struggles of long duration. A postscript examines how archival strategies of the alt-right have intervened at this juncture to elaborate a politics of false memory.
Taxes Come First The 2017 Trump Tax Cuts and Jobs Act has lowered tax rates for the beleaguered American taxpayer. We live in a Golden Age of Taxes. The clock is ticking. The Trump tax cuts are slated to expire in 2025, while a regime change in Washington could undo them as early as 2021. Like grave robbers opening King Tut's tomb, Congress -- with no debate or public discussion -- plans to raid your retirement accounts for even more money under the so-called "SECURE" Act. Hang on to your wallet. Nationally recognized investment advisor Phil DeMuth decrypts the 73,954 pages of tax code to show you where the trip-wires lie. He offers simple rules of thumb to navigate the minefield, all in sparkling English. If you aren't playing the long game with your taxes now, you are sending a valentine to the U.S. Treasury every April 15 with a needlessly fat check attached. DeMuth shows how to safely pare your investment tax bill down to the legal minimum requirement. It adds up to a small fortune that would be better spent on your life, your family, and your retirement.
Investing do's and don'ts from some of the most recognizable voices in personal finance It's been a tough year for investors. Many have seen their retirement accounts dwindle dramatically and are looking for a safe way to protect what they have and make back some of what they've lost. That's why the bestselling author team of Ben Stein and Phil DeMuth have created The Little Book of Bulletproof Investing: Do's and Don'ts to Protect Your Financial Life. When you invest, there are essential things you should do and many things you shouldn't. The Little Book of Bulletproof Investing: Do's and Don'ts to Protect Your Financial Life addresses this issue and shows you how to utilize the fundamentals of finance to achieve success in today's market. This practical guide contains proven advice on navigating today's treacherous financial landscape and will put you in a better position to make more informed investment decisions. Includes street-smart advice for the individual investor uncertain about their investment and retirement portfolios Written by a experienced team of bestselling authors whose investment advice is accessible to everyone Outlines the steps you must take to protect yourself from the financial calamities of modern life The Little Book of Bulletproof Investing: Do's and Don'ts to Protect Your Financial Life offers quick, easy-to-follow, and entertaining advice for anyone looking to get back on the right investment track.
Most investors spend their time worrying about selecting individual stocks and mutual funds: big mistake! Modern Portfolio Theory—developed in 1952 by economics Nobel Prize winner Harry Markowitz—shows that it’s more important to focus on how our securities interact as a whole. Astonishingly, most investors—including many professionals—still run their investment accounts the same way people did back when "How Much Is That Doggie In the Window" played on the Hit Parade. It’s time to apply what we’ve learned in financial economics over the past 50 years to bring your portfolio into the rock-’n-roll era.Armed with a computer, you, the investor, can use sophisticated tools to analyze your holdings—tools that would have been the envy of the biggest money managers only a decade ago. First among these is the Monte Carlo simulator: the better mousetrap that investors have been waiting for.With their trademark wit, Ben Stein and Phil DeMuth show you how your current portfolio is radically underdiversified, costing you money. They offer step-by-step instructions to supercharge it across a variety of investment situations to get you the best risk-adjusted returns.
Praise For THE LITTLE BOOK OF ALTERNATIVE INVESTMENTS "Ben and Phil have done it again. Another lucid, insightful book, designed to enhance your wealth! In today's stock-addled cult of equities, there is a gaping hole in most investors' portfolios...the whole panoply of alternative investments that can simultaneously help us cut our risk, better hedge our inflation risk, and boost our return. This Little Book is filled with big ideas on how to make these markets and strategies a treasured part of our investing toolkit." —Robert Arnott, Chairman, Research Affiliates "I have been reading Ben Stein for thirty-five years and Phil DeMuth since he joined up with Ben ten years ago. They do solid work, and this latest is no exception." —Jim Rogers, author of A Gift to My Children "If anyone can make hedge funds sexy, Stein and DeMuth can, and they've done it with style in this engaging, instructive, and tasteful how-to guide for investing in alternatives. But you should read this Kama Sutra of investment manuals not just for the thrills, but also to learn how to avoid the hazards of promiscuous and unprotected investing." —Andrew Lo, Professor and Director, MIT Laboratory for Financial Engineering
With the bursting of the stock market bubble, and after 13 rate cuts by the Federal Reserve, yields on CDs and money market funds tread at historic lows - a negative return after inflation. Gone are the days when investors could earn 5 percent interest, risk-free. With smaller savings coupled with lower returns on what savings remain, retirees and others living on fixed-income investments watch in horror as their income checks shrink with each passing month. However, there are investments that still earn a significant rate of return - and do so reliably and consistently. These fixed-income securities include bonds, real estate investment trusts, preferred stock, emerging market debt, and annuities, among others. They earn the kind of returns that baby boomers and the retirement community need in the same way they need to draw breath, yet hardly anyone knows anything about them. As 70 million Americans reach retirement age in the next 15 years, fixed-income investing will become a sociologically inevitable mega trend. Yes, You Can Be a Successful Income Investor! shows you how you can safely secure the highest possible yield from your savings, even in a treacherous investment environment.
Life is not lived all at once—it’s lived in moments, days, months, years, and decades. This means that the financial plans and actions we all have to take to meet our responsibilities sensibly must be organized by years and decades. Ben Stein wrote the original guide to this subject almost a quarter century ago. Now, Ben, along with Phil DeMuth, the eminent financial planner and writer, have gotten together to update the book, incorporating the massive changes that have occurred in the economy in the past 25 years. This book tells you what and when to save, how much to save, what to save it in, when to spend, and when to say no to your present and yes to your future. Yes, You Can Get A Financial Life! is a time-traveling guidebook on how to organize the money side of your life for all of the decades of your life.
Ben Stein and Phil DeMuth examine this anti-American rage, providing plentiful and outrageous examples from campuses to foundations to Democratic candidate debates to liberal "fund-raisers" that openly tout hate as their message. The authors attempt to plumb the psychological wellsprings that generate this anger: Is it infantile narcissism? Is it a desperately incomplete maturation process? Is it competition with patriarchal figures? The authors attempt to create a psychological road map that explores what the psychological roots of this national self-loathing might be. This is a unique approach, attempting to explain political beliefs in terms of psychological background, and the authors believe that it’s the only approach that works, since a realistic appraisal of America would not allow as much rage as we see in daily political discourse. Finally, the authors offer a plan for how to fight back: They recommend educating your children in such a way as to develop pride in their country, suggest specific reading materials, offer ways to raise your voice to talk back to the major newspapers and TV networks, and even discuss how you can work fearlessly in university settings so that the left doesn’t dominate political discourse. Can America Survive? is a portrait of what is clearly wrong with the national mood, where that malady comes from, and how those who still believe in America can work in their communities and in the nation to preserve the republic.
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