Finance Books

The Little Book of Behavioral Investing: How Not to be Your Own Worst Enemy

• 10×8 Photograph (25×20cm)
• Facsimile from the book of accounts of the Coopers Company, 1576, (1893). Hazlitt, Livery Companies of London. An illustration from A Short History of the English People, by John Richard Green, illustrated edition, Volume III, Macmillan and Co, London, New York, 1893. John Richard Green,Unknown (creator),
• Printed on professional grade Fuji Crystal Archive Photographic Paper for clear and sharp images. Paper size 254×203mm (approx).
• Licensed Heritage-Images Merchandise
• © Copyright Heritage-Images – All Rights Reserved

Product Description
10×8 Photograph (25×20cm). Facsimile from the book of accounts of the Coopers Company, 1576, (1893). Hazlitt, Livery Companies of London. An illustration from A Short History of the English People, by John Richard Green, illustrated edition, Volume III, Macmillan and Co, London, New York, 1893. John Richard Green,Unknown (creator),

Photographic Print of Facsimile from the book of accounts of the Coopers Company, 1576, . from Heritage-Images

Finance for Non-Financial Managers: A Briefcase Book

A health-conscious person who hardly got sick and regularly observed breast health care measures, Nina Hughes Anderson never suspected she would be diagnosed with inflammatory breast cancer (IBC), which is a very rare yet aggressive type of the disease.

In the self-published book “The Bumble Bee Miracle: a Story of Survival from Inflammatory Breast Cancer”, Anderson reveals through her experience why many women affected with inflammatory breast cancer do not survive this disease. She also narrates how this dreadful illness can be prevented.

Anyone can be a victim of breast cancer. Surprisingly, some types of breast cancer do not appear on a mammogram and it is possible that one can get breast cancer even without spotting a lump.

Anderson believes that no woman should go through the same horrible experience she had with inflammatory breast cancer. Through her miraculous survival and her self-published release, she hopes to educate and encourage women about the symptoms of IBC as well as ways to cope with the disease and keep IBC at bay.

In The Bumble Bee Miracle, Anderson also aims to give women with IBC the hope that they too, just like her, can survive.

About the Author

Nina Hughes Anderson is a breast cancer survivor for the last five years now. She is married and has two daughters, one of whom she lost in a tragic car accident. She retired in 2006 after spending most of her career in the accounting and finance industry. She has also been a servant-leader in her church as well. Her book, The Bumble Bee Miracle is a testament to her amazing story of survival, her faith and God’s infinite love.

About Xlibris

Xlibris was founded in 1997 and, as the leading publishing services provider for authors, has helped to publish more than 20,000 titles. Xlibris is based in Philadelphia, PA and provides authors with direct and personal access to quality publication in hardcover, trade paperback, custom leather-bound, and full-color formats.

For more information, please visit www.xlibris.com/requestkit/index.asp?src=apr&key=gc, e-mail pressrelease@xlibris.com or call at 1-888-795-4247, to receive a free publishing guide.

If your business is selling information there are something’s that you need to consider when you make the move to online business development and product delivery. This article tries to shine a light on the facets of online information sales that may be overlooked at first.

Selling information online has a number of benefits there is no physical packaging and handling to worry about and no issues of having a product in stock. For the customer there is no waiting for a delivery or a delay in receiving their goods after the sale is completed.

So, you have decided to sell information online and want to present it in eBook format, for more help visit to: www.eazy-ebook-money.com.what does this entail. Plain text could be used but it leaves a lot to be desired or go on Customers paying for information have an expectation that the information will be presented in a format that reflects the thought that has gone into it. A plain text document has the look of something that was rushed out the door.

Do you want to provide your customers a format that is mainly aimed at producing hardcopy (Adobe PDF) or cross platform display? PDF files are an option when you are willing to let the purchaser print out the material and is a very professional looking solution.

The problem with PDF files is that they have hard copy as the intended primary destination and they are not well suited to viewing on small size screens. This is where certain eBook formats really shine.

Ideally an eBook format will automatically reformat the document to be viewable on different size and resolution devices while keeping inline formatting intact. There are many different eBook formats to choose from but not all are equally viable for commercial redistribution of content. For more detail go to: www.allfreereports.com.Along with the ability to view on different size small screens, it is also desirable to be able to view the document on a full-size PC display and make use of the extra screen real-estate.

Do you want to handle the sales and delivery of your eBook yourself or would you like a outside company to take care of those issues for you and just leave you with the job of marketing your eBook. Handling the sales on your own gives you a lot more flexibility but takes up considerable effort and finances (to handle credit cards, Papal, etc.) to get going.

There is one company & eBook format that can handle these issues out of the box Mob Pocket. Broad platform support including most smart phones, Pads, and PCs the same eBook file will display properly formatted on all these devices
Books are based on the Open eBook standard and are a subset of the HTML markup language Ability to import from various formats including HTML and MS Word Many free books are available in Mob Pocket format which you can then bundle in as sales closers

Once you have gotten a Publisher account (free) and the eBook publisher software you can upload your books to the Mob Pocket server and all the financial & distribution tasks will be taken care of for you. Just take care of the marketing and pointing potential customers at the detail page for your eBook. Make the description text for your eBook catchy you may get sales from people who are just browsing and never thought to search for your eBook.

The sales of your eBook will pay you the wholesale price that you have set and which is 50% of the retail price. This means that you have to take into account how much you want to make on each sale vs. how much you want to charge people for your eBook. If you want to make $10 per sale then you must price your eBook at $20 which might cost too much and drive away potential sales. Its up to you

Bruised by the recent economic crisis, real estate companies are using the Web to expand their services and provide fresh insights to clients. This trend signals a new era in how real estate professionals convey information; it offers their clients greater access to current information and allows realtors, investors and other interested parties to easily update listings, news and services.

The struggling economy and an increased number of Web savvy business people inspired this movement. The recession has debilitated many businesses, forcing professionals to think creatively and develop new, affordable strategies that can increase revenue. The result is more and more companies that are willing to share their services and products as a means of growing their client base. And as businesses of every kind shift towards the Web, companies are more likely to find other companies that are complementary to their services.

The real estate market has always been a volatile business. It relies on the public’s financial welfare and optimism. If the public is not optimistic about their finances, the real estate market stiffens, causing concern among banks, economists, and real estate professionals. The current crisis has stalled the market completely. The public is reluctant to spend and the banks will not grant adequate loans. But the public remains interested — extremely interested — in how the market is behaving. This is telling. It shows that even though the public might not be ready to buy or sell their home, they are still attracted to the idea of doing so. In a way, the real estate market is a barometer, forecasting what the public would like to do.

Proactive real estate companies are watching this trend carefully. They are providing potential clients with more information. Up to the minute listings, maps and community forums give users a chance to contemplate their options and exchange their concerns. Real Estate Web sites are very popular. The public is reading them to find out how to do more with less, how to spot a good deal and avoid a risky investment.

“As tough as things are in real estate these days, I’m actually quite happy about the new direction some companies are taking,” said Margaret Mitchell, an Atlanta-based realtor. “Their services and information on the Web are constantly informative and easy to use.”

The Real Estate Book, long an established and trusted source for nationwide property listings, now offers a new service for their online colleagues. The Real Estate Book has a massive number of home listings and property information. And it has an effective, comprehensive Web site. It has combined these two strengths and developed a way to assist other real estate professionals working online. By downloading a Web site tool, otherwise known as a Widget, realtors can use the Real Estate Book’s vast resources on their own Web site. The Widget can be designed and fitted to individual Web sites. It is simple and non-intrusive. It allows users to browse listings in hundreds of communities across the United States.

By offering this service, the Real Estate Book provides smaller businesses a chance to grow. It provides the public with easy access to thousands of property listings. It works online with other real estate companies, using the Web’s diversity to succeed, and helps people do more with less.

If you’re unfamiliar with terms like “financial planning” and “personal finance” and what they entail, then you probably need a financial planning book. Personal financial planning has been emphasized quite a bit lately through the various media channels, and terms such as those mentioned above have become buzzwords with how people seem to be going on about the importance of financial planning. Fact of the matter is, anyone who isn’t a financial adviser or a financial planner should have a financial planning book. To determine if you need a financial planning book, read the rest of this article. If most of the concepts presented seem alien to you, then you should get yourself a book today.

For those who are not aware of what financial planning is all about, it is a process by which a person works out the necessary steps to meet his expected needs and come up with countermeasures for the unforeseen circumstances he might encounter financially. Factors such as inflation and changing lifestyle need to be taken into consideration when coming up with a personal financial plan. When planning for your future financial needs, you need to know the technical jargon and concepts of certain financial instruments and how money works. Without adequate knowledge of any of these, it would be hard pressed for you to come up with an effective financial plan for yourself or your family.

Take debt for example. Are you aware that debt is one the major financial issues that people face today? Are you in debt yourself? Just how do you get out of debt? Most people who are in debt feel like they’re trapped in a vicious and endless cycle, especially those who borrow to pay off their debts. They feel like they have no way out; no way to be free from the shackles of debt that weigh them down financially. Getting out of debt requires careful planning, and adequate knowledge of how to make your money work for you. A book on personal money management can help you to come up with ways of how to manage your debts and eventually become debt-free.

How about retirement? Do you know how much you need at the end of the day for your retirement fund? With increasing inflation and changing lifestyle needs, are you prepared for a costlier cost of living by the time you’re old enough to retire? Do you know what investments to consider when planning for your retirement? Should you bank on day trading or mutual funds? How about insurance? How will that help you financially at the end of the day?

So in summary, a financial planning book can help you understand the concepts that you’re required to know when coming up with an effective financial plan. A comprehensive book can cover anything, from basics like personal money management and budgeting to something even more complex like money market investments and insurance. If you find yourself having more questions about financial planning by the end of this article, then rest assured you do need a financial planning book. So get one today.

Cheque books seemed to subtly evaporate out of the UK transaction culture, until recently, when the Cheque Book Mortgage revolutionized the dealing terms. A cheque book mortgage, also referred to as the Current Account Mortgage (CAM), is an innovative and flexible concept, which empowers the account holders in various ways and thus ensures much better control over the financial aspects. It is yet another addition to the mortgage types in UK, with a host of distinctive features for its users. If you have been struggling with the management issues in this respect, then read on and find out about a Cheque Book Mortgage and benefit from the various related features.

Conceptual Specifics

A current account mortgage has been christened as a cheque book mortgage as it enables all borrowings in a single account, with the provision of a cheque book to make drawings. With all borrowings the reference is towards mortgage loans, personal loans, credit card loans and all other current account and savings account transactions in one account. And despite the elaborated grouping, the mechanism is pretty straight forward. From the overall income deposited to this account, whatever is left post deduction of outgoings, is forwarded as the mortgage payment. This implies deployment of credit balances to balance debts. The foremost logical benefit extended by this procedure is the immediate reduction of interest payments.

Beyond the basics

In addition to extending the basic benefit of reduced interest charges, a cheque book mortgage also substantially assists by allowing overpayments, underpayments, lump sump payment terms, payment holidays and other such customized tools. For instance with the overpayments clause it means repaying more than the pre defined loan amount, thus saving on the corresponding interest charges. Likewise lump sump payments also impart the desired flexibility. While the stated are the features beneficial for those who expect surplus finances, provisions like underpayments and payment holidays, assist during the times of unanticipated overspending. This can perhaps be best understood by a self employed person, who has less income stability.

Another positive extension of this form of account maintenance is a lowered tax bill. With a cheque book mortgage account, at the surface there are no interest earnings and hence zero related tax. However, as evident, interest is saved and thus earned. Please note that the stated is just an overview on what all is possible with cheque book mortgage, the exact nitty-gritty however would vary with lender’s treatment of the subject.

The add-ons

A cheque book mortgage as a concept has overgrown its literal meaning i.e. the flexibility is no longer restricted to just the cheque book. Current account mortgage account subscribers also have the privilege of making payments via plastic cards. This feature extends the dual benefit of lowered interest charges along with the ease of handling as imparted by the plastic cards.

As evident, a cheque book mortgage allows financial freedom with the flexibility to control expenses in a very simple yet effective manner. With such accommodating tools to assist, dealing with debt should not really be an issue of extreme concern. The stated is especially true for those who find it almost impossible to maintain appropriate accounts and make payments to benefit most from the timely payment positives. However as this happens to be a crucial subject, with equally grave implications, it is advisable to refer to experts before moving forward. Concerns like the implications of lack of self-control or continual overspending would then be explicitly answered to ensure trouble free management of the cheque book mortgage in times to come.

Whether you are a writer or a seller of books if you want to make a profit, you can still go online and do it. However, you need to be smart, prepared, and do a lot of research about the market that exists for books.

It is good to get a lot of feedback from different sources so that you know exactly what is acceptable or is currently a favorite among folks. There are bestseller lists that can be referred to, as to what kind of topics to choose from. Remember, what you may want to write on may not necessarily be what people want to read. So check these bestseller lists, and then decide on your topic. Haste makes waste, so be focused and unleash your talent only after you are convinced about the sale of your book.

There are many ways to find out the online interest in a subject, besides going to websites like Amazon or Barnes & Noble. Read feedback columns and discussion corners, to find out the views and opinions that people hold. By putting your book online does not mean that your book will sell, but it broadens your horizon of getting an apt audience. Identify a catchy book title as most items found on Google and on the Internet are found faster through keywords. A good title is very important.

If you have the finances, then get yourself a publisher who will work out the sales pitch and also the advertising techniques, in a very professional and prompt manner. At least that saves you the trouble of breaking your head (especially after the trouble you took writing it, you need the peace). Hire services that could be of assistance to the sale of your book and that will not affect it in a negative manner. If you have decided to sell books within a special category or general category, then combine two editions, and offer a 30% discount. This becomes feasible and would attract potential customers. Most people who can save a buck or two, look for good buying options. Make it possible for them to decide and buy your book / books without hesitation. It is when they hesitate, that your sales are affected.

Also, make the first few chapters available on your website, for people to read and refer to. This creates in them an interest to read further, and makes them want to have that book at any cost. These are tricks to enable you to sell more of your books online. Have a strategy, plan it well, garner all the help you need, and you will make it big!

I’ve heard it said many times, ‘oh you just can’t get the staff these days’… well, actually, yes you can – I don’t know where you’ve been looking, but there are some exceptional people out there!

I’ve found that people who are looking for someone for their finance department often only ever get round to it, when they are at the end of their tether. They’ve ignored it, it hasn’t gone away, and then in an act of desperation, they finally decide that they NEED someone NOW! Which is never a good start.

Desperation

You just can’t rush this process. And if you have ever tried to hire for a book keeping post, then you’ll know as well as I do, that it’s not the lack of candidates for the job, but the exact opposite that can be overwhelming. There are plenty of people out there! Loads. But when you want someone to start today – the choice can be tremendous.

A Bad Choice

The problem isn’t with the bookkeeping applicants. It is with the people who choose them. The people who hire in small companies – often the business owners themselves, tend to go for people just like them. However, “personality” should not drive your choice. “Ability” should. And why don’t people hire on ability? Because they haven’t got a bloody clue what to look for, or how to spot talent. Instead, they go for ‘cheap’ or ‘convenient’ and end up having to re-hire for the exact same post within months because it just didn’t work out. Here is a list of some of the biggest pitfalls people make, when they try and hire for this post themselves.

Common Mistakes

Not asking to see qualifications. Ignoring aptitude. Being put off by people’s names. Overlooking motives for applying for the post. Taking the first person they see. Passing the work to a colleague who has no idea about bookkeeping, nor has an inclination towards the subject. Being ageist. And asking for a bookkeeper, but actually needing an accountant.

What is ‘Good’

When people are after ‘a good book keeper’ what they normally mean is, they are after someone ‘cheap’ who will do what the accountant should do, and won’t go ‘missing’.

Sadly, many businesses don’t check up on the people they get into these posts, and many book keepers and consultants actually work without any formal qualifications or training, and just set themselves up as self-employed, and can be a bit fly-by-night. I know, because I’ve walked into some absolute nightmare situations, where we’ve had to literally just wipe the slate and start again. The books were horrendous.

The Answer

Always ask for recent references and follow them up. Test people to see if they can use the packages that they claim they can. And go through your list of applicants and see as many people as possible. Don’t be judgmental. Failing all that, if you don’t have the time to do this, then go for a tried and tested method, and use a book keeping service.

Guarantee

Service providers have done all the hard work for you, and your ideal bookkeeper is just a phone call away. A good service provider will have checked them out, done all the due diligence and you’ll have a capable person on your team within hours. They should be able to guarantee any work done, ensure adequate professional indemnity insurances are in place, and also assume the additional burden of directly employing people – taxes, NI, sick pay, holiday pay etc.,

The Root Cause

The reason people believe it’s hard to find a good book keeper is because there are so many bad ones out there. And in this game, a little damage can cause long lasting devastating and expensive effects. If your bookkeeper gets the VAT wrong, and you end up enduring a full-blown VAT inspection, then you won’t be championing bookkeepers. Nor will you be an advocate of them if they took your paperwork and disappeared into the night with it. Or if they were difficult to get hold of or kept cancelling their appointments with you. Sadly, all far too common in this industry.