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Wealth creation is an art and making it grow is mathematics which is not easy. You need expertise and good knowledge regarding financial environment to do it. Investment is one of the best ways of making money grow. You must take good investment decisions and at the same time intelligent ones so that you may get the amount of money you want and that too in appropriate time. The return must be according to your budget and preference. An investment solutions company can be utilized in taking those important decisions.

Generally, an investment can be perceived differently by different people and so their investment needs and choices are also different. Most people perceive it as a saving and an additional income which is true also. Theoretically saying, an investment can be defined as any form of property, either in cash or kind, which has the potential to grow in value or provide you an income in the long run. These days numerous kinds of investment products are available in various forms. It totally depends on your liking and budget that which investment option you are choosing. You are advised to opt for an Investments Solutions Company before choosing any option.

Any investment product which is made up of one of the four variables which are cash (deposits), corporate bonds and gilts (UK Government bonds), equities (shares) and property, can be used by you for saving and long-term profit. A good investment solutions company suggests many options like lump sum investments, maxi ISA, cash ISA, property, ethical investments, wrap accounts, investment bonds, distribution bonds etc. These days most investment products are available in the form of funds which pool together people’s money and is invested in a mixture of different investment solutions like equities, bonds or even property and cash.

An investment solutions company can also provide a fund manager which looks after these funds utilizing his research and expertise. So, opt for these companies and feel free after investing anywhere.

Business is a legally recognized organizational entity designed to provide goods and/or services to consumer. This is a predominant in capitalist economies, most being privately owned and formed to earn profit to increase the wealth of the owners. In all occasions, business people are gathered to exchange work, traditions, news, and even gifts too. Generally, business gatherings are in necessity to provide business gifts for clients. Top executives really deserve gifts too. Gift-giving, however, is a sign of expressing gratefulness and a way of appreciating patrons too. These gifts will be the sign of recognizing the business achievements as well.

It isn’t new for us that when there is upcoming business affair, people gets busy buying gifts for their managers, bosses and colleagues. There are two option on how to shop for business gifts. One is to shop in local gift stores and the other one is to shop online.

At online stores, however, you can find much wider assortments of business items you can possibly give compared to local retailers. You can find the best websites selling good choices of business items, some of them are offering free customizing service. Another good thing about online stores is they can offer much cheaper prices than retailers. Therefore, shopping online can make an affordable shopping option to any budget preference.

The special gifts for any business or which suits any types of business people or executive may be defined and considered as you select business items for your business associates and colleagues. You can choose business gifts that reflects his or her executive look and style. Another one is you can enjoy seeing your big boss smiling after opening your perfect custom-made business present for him.

Giving out business gifts is also a great way to appreciate your loyal patrons. Clients and customers are your business means of living. Without them, there will be no existing business where you earn your profit and wealth. In return, giving business gifts can make them stay and strengthen their trust to your capacity of providing good quality of products and/or services to them. During a trade show, you may want to join and build you own booth, and while everybody is busy looking at your several displayed products, hand them little items like personalized business pens, bookmarks, mugs, or stationery as they go out from your booth.

A business present is something that your employee will never forget. And as the boss, you also wanted to give business gifts for the people under your management. Consider gifts that can expressing an endless memories. There are many lovely business ideas that can give you no worries. You may check out stores that selling leather handbags, business card holder or cases, desk clocks, journals, desk organizers and the other desk accessories that can make a long lasting remembrance from you. Have them made personalize with your employees’ initials, name or your own special message. These are all presentable during the company’s annual Anniversary, Christmas Party, Recognition Day and even during a simple, regular thank you day for an employee who deserve something from his or her good work.

Proverbs 24:27 ¶Prepare thy work without, and make it fit for thyself in the field and afterwards build thine house. Darby

Proverbs 18:9 ¶He also that is slothful in his work is brother to him that is a great waster.

The principles of right and wrong that are accepted by an individual or a social group..Ethics..Wordweb

America, for many fulfills these ideas for many who come here. America has been from the start a multi-cultural project. Groups of people from many nations such as Britain, France, Spain, Italy, and others made up this New World. The main idea was to find a quick route to Asia. Asia was the place for riches obtained in the trading and transporting goods. These goods were taken from the point of origin to the home country of the ship. As America, grew, the business people here wanted freedom from the tyrannical rule of the foreign powers who wanted to keep grip on this New World. Thus, the idea of Multi-culturalism was born. This idea being that several different cultures (rather than one national culture) can coexist peacefully and equally in one nation.

America has not only shown that this can exist. She has shown it to flourish, though business ethics have changed from the infant it was in the beginning. Once a Plantation owner could have slaves. Using them in business was considered fair and equal. However, even then some people hated slavery, people aside from the slaves themselves. . As the people of this nation grew in ethics, they realized such avenues such as slavery was wrong. Although, Abraham Lincoln did abolish slavery, it took many years for the full realization to take hold. Today, in the high rise of power and prestige you will find many whose roots date them to slaves.

Within the confines of many larger cities are conclaves of multi-culturalism. You have “little Italy”, “Chinatown”, and many others. All people from differing nations that bring them one desire. That is to make a better life for them and their families. When doing this, they all agree to one thing. That is the Ethics of America. To do and follow our laws. To live peaceable with each other and live freely. This Multi-culturalism is what makes America what it has become.

The problem we have in the midst of business ethics and ethnicity is when the total framework of America’s business’s is changed for one group or individual. This is seen by the legislation that is being hammered out for illegal aliens. Most of which we have seen on the news is Mexican, South American, and speak Spanish. This is not the case. For history proves that Chinese have been smuggled into America since the early goldrush and the building of the railroad. Also let us not forget the Cubans, and those boatloads of Vietnamese. All these wanted to migrate to our country. Live a free life and do business. The legislation and recent debates, however, focus on one group alone. This is wrong.

Ethics for many business’s are regulated first by what is legal and what is illegal. A quick search on Wikipedia with the word Ethics, will provide a glimpse into this world. Revealing the hidden dangers that have been in the news. From Martha Stewart to WorldCom, we have seen ethics in motion. The ethics of some in business have been seen as illegal by those in the legal area’s. Thus, the people in power who ran the business schemes under cloak and danger were held accountable. Thus ethics are related to legality in America. The enforcement of which cover all Ethnics and races who do business in this country.

Moreover, we find Ethics and Ethnicity relating to World issues as well. This is on the forefront of many discussions today. One example is found in Denmark where just this issue was pursued “Ethics and Ethnicity”. A forum by a major Denmark university conducted a seminar in 2005 on this. Their basis for doing this and reasoning stated:

Since moral decision making fundamentally has to do with how we should treat each other, a unifying goal of the seminar group will be to understand and critically evaluate how cultural and racial affiliations influence the reasonable and unreasonable expectations we have of each other.

This points to the need to discuss the distinctive obligations of students, faculty, administrators and other staff within academic institutions, in terms of their similarities and differences, regarding potential areas of conflict as well as social enrichment stemming from our encounters with people ethnically different from ourselves. The implications for our participation in the larger international community of which we are all inescapably members also will be explored, along with the recurring moral theme of the contribution to be made by institutions of higher learning to the improvement of relations among all peoples of the world. www.think.aau.dk/default.htm

Furthermore, the drive line that connects many nations today is commerce. Commerce is business, and business is propelled by people with ethics from all ethnic tribes in the world. As a result, nations, ethnic tribes, and peoples traverse the world doing business. The one avenue that all people have in common is business. That is the ability to do something to make money or barter. This translates in being able to provide for your family no matter whether you live in India, China, or America. Today, however, America still is the Grand Lady of this enterprise called Commerce. Within the Commerce you will find Multi-culturalism. The foundation of this commerce is also Ethics and Ethnicity. Without rules, regulations, and laws, the whole system would not work. It must work for all cultures, races, and Ethnic tribes.

As we look at this Ethnicity, we also find the threats. The first and paramount threat to the Ethics and Ethnicity is terrorism. Muslim’s who are totally against this kind of thing. For them, trade and commerce are the enemy. It’s paramount provider is always seen as the USA. Who is their enemy, of course. The ethnic tribes who are terrorist come from many different countries. The one link for all of them is their aberrant desire to follow Jihad against all enemies of Islam. As a result you can see this attack against the warlords of commerce and trade. No matter what Ethics you have, when you face a harsh enemy like death, life is seen as paramount. This is the reason terrorism targets the business sector. To shut down this pipeline of commerce will shut down America and the industrial nations for sure. The main target, however, seems always to be America. The USA is the leader in purveying commerce. Ethics or not, the ethnic terrorism will find a way to bend your will to his or destroy you. This is also seen in many of the oil producing countries, especially in Africa where Terrorists have shut down pipelines of oil. As well, it can be seen in Venezuela’s dictator and his hatred for the USA and its government. Within all these scenarios are ethics. Ethics that face society and declare I will destroy you if you do not bend to my wishes.

What happens if this Ethnicity and ethics come to America? What happens if groups pop up and cannot get along with each other? Will business end? It is true, that if we cannot live peaceable, then business is the first to go. America has enjoyed a long history of peace in its borders with the exception of the Civil War, the Indian Wars, and other clashes. When the Civil war was going, business was virtually stopped down south. After the war, the whole south was destroyed.

Today, America has her Ethics, but within this is the desire to keep the global business going. Facing this, are those who want to destroy this business climate and trade we know as commerce. It is kept alive by the ethics of ethnic tribes all over the world. Many of whom live in America.

Ethnicity and Ethics. We see when good people say a bad thing is okay, such as Slavery, it is not morally ethical. Society accepted it, then decided it was wrong. We also see bad people who foment hatred and death through terrorism. Their ethnic backgrounds are from all over the world. These have ethics that declare destruction, war, and hatred against society in general. Business’s who come in contact with this later group will face a hardened foe willing to destroy to get their way. But for many in America, no matter the Ethnic background, ethics are the foundation of what they do. No matter the race, the tribe, religion, for the most part, they walk the path of ethics that American business has presented. To do things in a fair way, to do it well, to be honest, and follow all the laws of the land. The only people ‘who violate this’, are those who are greedy and dishonest. The ones who cling to power and prestige. These hold that money and fame are a higher goal than any moral ethic. For them ethics cannot get in the way of what they want. Just like terrorism, they destroy to obtain.

It’s an exciting adventure that you’re about to begin by being self-employed. It’s time to let everyone know about your soon-to-be successful company by promoting your home business.

While hiring a marketing or public relations firm is an easy option, since you are just starting out, it may be a tool you cannot yet afford. If this is the case, it is up to you to develop different media means to promote your home business.

The most obvious is starting a Web site. There are many freelancers out there who would gladly do this for you for a fee, but this is not really necessary if you have basic computer skills. Several sites are dedicated to instructing you on a step-by-step procedure on how to create a Web site for promoting your home business. Many provide usage for a price, but there are some out there which you can use for no cost at all. This would be a practical option. A free site might not offer all the flourishes of a paid-for one, but as your first priority would be simply promoting your home business, other features, graphics and designs can be added once the money starts rolling in and you have extra cash to spend on creating a stand out site.

Writing a weekly or monthly newsletter is also a great marketing tool in promoting your home business. Fill the copy with your personal background, services provided and costs involved. Update your newsletter with savings advertisements, new services offered and comments from pleased customers when promoting your home business through a newsletter.

While posting a link or subscriber option to your web site for the newsletter is a given, additional initiative must be taken as part of promoting your home business. Obtain e-mail addresses of several companies or individuals who might be interested in using your services. Search for the addresses of actual people rather than sending a letter promoting your home business to a general business site. You are then taking the risk of becoming a deleted spam file.

If your home business is a local one, such as a day care or accounting service, advertise in your local newspapers and trade magazines. Coupons always catch a consumers eye, so including them in your ad would be a key tool in promoting your home business. Offering a 10 percent discount is always a plus.

Also, holding contests with prizes would catch they eye of a newspaper or magazine browser. Consider making the prize a week of free service or a sales item.

Lastly, get some business cards together as part of promoting your home business. You can design and print them using a home computer or pay a professional printer who may have additional design ideas that would capture consumer’s attention. Distribute your business cards to individuals and companies, and post them in every store that offers a free advertising billboard.

Dear Ms. Luger,

After reading your letter dated January 6, 2009 which was sent to the Independent Business News Network (IBNN), it is apparent that the General Mills Foundation doesn’t really understand, nor truly comprehend the Rev. Dr. Martin Luther King Jr.’s writings or mission, which includes one of his last goals for the African-American community, a goal that he outlined in a book published before he was shot and killed, which highlighted the key to success in poor communities was economic development.

Actually, few people have heard of the Rev. Dr. Martin Luther King Jr.’s last book titled, Where Do We Go From Here: Chaos or Community?” released in 1967, but applicable in 2009 as a way to examine the grant giving practices of the General Mills Foundation.  Dr. King Jr. writes the following:

“In the treatment of poverty nationally, one fact stands out: there are twice as many white poor as Negro poor in the United States. Therefore I will not dwell on the experiences of poverty that derive from racial discrimination, but will discuss the poverty that affects white and Negro alike.

Up to recently we have proceeded from a premise that poverty is a consequence of multiple evils: lack of education restricting job opportunities; poor housing which stultified home life and suppressed initiative; fragile family relationships which distorted personality development. The logic of this approach suggested that each of these causes be attacked one by one. Hence a housing program to transform living conditions, improved educational facilities to furnish tools for better job opportunities, and family counseling to create better personal adjustments were designed. In combination these measures were intended to remove the causes of poverty.

While none of these remedies in itself is unsound, all have a fatal disadvantage. The programs have never proceeded on a coordinated basis or at a similar rate of development. Housing measures have fluctuated at the whims of legislative bodies. They have been piecemeal and pygmy. Educational reforms have been even more sluggish and entangled in bureaucratic stalling and economy-dominated decisions. Family assistance stagnated in neglect and then suddenly was discovered to be the central issue on the basis of hasty and superficial studies. At no time has a total, coordinated and fully adequate program been conceived. As a consequence, fragmentary and spasmodic reforms have failed to reach down to the profoundest needs of the poor.

In addition to the absence of coordination and sufficiency, the programs of the past all have another common failing — they are indirect. Each seeks to solve poverty by first solving something else.”

We are likely to find that the problems of housing and education, instead of preceding the elimination of poverty, will themselves be affected if poverty is first abolished. The poor transformed into purchasers will do a great deal on their own to alter housing decay. Negroes, who have a double disability, will have a greater effect on discrimination when they have the additional weapon of cash to use in their struggle.”

To celebrate the legacy and life of Dr. Martin Luther King Jr is to focus on the last piece of his legacy — economic development. Black people are not happy just sit at the lunch counter; today, we want to own the lunch counter!

The General Mills Foundation’s practice of  “perpetual” grant giving is a feeble attempt to solve problems from the top down in north Minneapolis (rather than applying sound business practices from the bottom up). For 14 years, communities in north Minneapolis have seen virtually no change in the socio-economic status of the people, a majority who are of African-American descent, living day-to-day within in this underserved region of Minneapolis. The fact that no significant and recognizable social or economic advancement has occurred in the north Minneapolis communities is most evident in the Minneapolis Public School System where the failure rate for Black youth exceeds the combined totals for Mississippi, Kentucky and Alabama.

If giving grants to organizations that focus on education and the success of the youth of Minneapolis, how could this academic failure occur? A wise man once said: “You can’t just water the tree; you also must take care of the roots.” The General Mills Foundation has been simply watering the tree, without tending to the roots. In other words, the Foundation has been comfortable granting dollars to the same individuals and the same organizations year after year, rather than taking the time to speak with the true stakeholders in north Minneapolis. As a result, nothing identifiable with change has taken place in 14 years. And if the process doesn’t change, this lack of change will perpetuate.   

The current trend in north Minneapolis reveals a community in demise — social, economic and educational demise. Examples of the community’s demise: in 2007, five elementary schools in north Minneapolis were closed; more than 1700 home foreclosures occurred in 2007 and 2008. In 2009, the City of Minneapolis will close additional parks besides Bethune and Willard, the two parks scheduled to close in 2009.  If the Foundation was more strategically focused on how its “grant dollars” were disseminated, these types of devastating occurrences, which ultimately reduce the social worth and economic value of a community, could be avoided. By working to prevent such demise, the General Mills Foundation would be able to pinpoint tangible examples of what the Foundation has done to rehabilitate blighted communities in north Minneapolis.  The headline could have read, “General Mills Foundation Saves Inner-City Park from Closure!” Instead, there is another headline, “More Silence in North Minneapolis with the Closing of Inner City Parks.”

On Thursday, January 8, 2009 at the Hawthorn Huddle, you presented three very effective examples of community engagement organizations that partner with several other entities to achieve their missions. My advice to you and the General Mills Foundation is to meet with north Minneapolis stakeholders and work from the bottom up with those who are truly interested in solving the challenges that face north Minneapolis. (Dog and pony shows are only exciting at the state fair).

Regarding your statement that the General Mills Foundation contributed nearly $15 million to programs focusing on communities of color in 2008, I am unsure if you meant in Minneapolis

or the United States. What I do know is that the General Mills Foundation gives to the Susan G. Koman Foundation’s Walk for the Cure, which in turn grants money to Planned Parenthood, a group that is helping inadvertently to kill many black children. Secondly, I know the General Foundation’s media spending for diverse audiences is lacking in the Minneapolis/St. Paul market. You respond to the Foundation’s media spending by saying: “…for competitive reasons, I cannot disclose the amounts.”  I reply to your comment by saying the following: “If there is no level playing field, there can never be any competition.”

The fact that the General Mills Foundation refuses to consider local radio, print and TV that are minority-ethnic owned, or a radio station that is White-owned but plays music targeted to an African-American audience is evidence that General Mills, Inc. and the General Mills Foundation have opted to ignore solid reach and frequency solely because of the “color” of a format.

In closing, this is the time of the year we celebrate the birthday of one of the world’s great leaders — the Revered Dr. Martin Luther King Jr.  In keeping with his sprit and goals, I like to refresh your memory of Dr. King’s objective in Memphis, Tennessee at the time he was assassinated. His objective was to secure better wages and working conditions for garbage workers. I emphasize the words GARBAGE WORKERS to highlight the fact that he was fighting for and died for the “Least of Thee”.  

Dr. King states in his “I Have A Dream” speech that “…America has given the (Blacks) people a bad check, a check which has come back marked “insufficient funds.” 

I refuse to believe that General Mills, Inc. or the General Mills Foundation is providing our community a check marked “insufficient funds.”  My parents were happy sitting at the lunch counter; today, my generation wants to own the lunch counter.

Very best regards,

Donald W.R. Allen, II

Maybe you’re new to the world of investment and you’re doing your best to find opportunities which will pay off well, or perhaps you have tried investing in different ways along the years, and you’d like to expand your existing portfolio with some new investments.

On the other hand, maybe you’re simply interested in finding out more information on investing, so that you can decide whether it suits you.

No matter your reasons for wanting to know more about the best investment opportunities, you’re likely to succeed in your quest if you learn how to spot them.

Go to Reliable Sources

Once you decide to look for an investment opportunity, you must know where exactly to look for the information you need. In general, try to avoid sources which don’t look professional or which claim to have “infallible investment tips” or “secret information.” Besides the fact that the respective information is surely questionable, those websites or magazines also face legal risks regarding the diffusion of information which is not meant to be available publicly.

Instead, you will find the best investments opportunities by looking at reputable and trusted financial publications or websites. You will find out what you need from the financial sections of online portals such as MSN or Yahoo!, or newspapers such as The Financial Times. You can also check the websites of brokerage firms and financial institutions which deal with the type of investment you intend to make.

Track the Stocks

The majority of financial sites provide their users with free investment and stock tracking services, which will allow you to stay up to date with the most recent fluctuations in stock or other investments. This way not only will you be informed on the current prices of the investments, but this will also enable you to consult the track record of the stock or investment for a certain period of time, from the past month to even five years or more.

Moreover, once you sign up with an investment and stock tracking service, you can also receive the latest changes in the stocks you’re interested in by means of e-mail or through your PDA, which means that you will be able to keep track of the best investment opportunities on the market.

Research, Research, Research

Only through constant research you will develop the skill to spot best investment opportunities. So before making a decision you should take the time and research the investments that caught your eye. This way you will be able to spot which investments or stocks are about to drop in value, as well as those which have increased their value over the last period of time.

This sort of information will guide you when choosing stocks or investments which are worth your money, as well as those which might cause you losses by sudden drops in value.

Once you have successfully tracked your potential investments for some time, you may go ahead and make the actual move. There are plenty of investment firms on the market, so once again, make sure you choose one which is known for its good reputation.

Copyright

The Automated Forex Trading is what most small to medium investors are happily using nowadays. Ever since it emerged in the market several years ago, a much faster and easier way to keep connected with the foreign Exchange market as well as the trends in the Stock market, profits are easily gained and losses avoided.

The Foreign Exchange market has different currencies in and the best way to trade with these currencies is to find a perfect team like the USD and the British Pound or with the Japanese Yen.

When you use the Automated Forex Trading you need not be all-suited up when the trading begins on the floor. All you have to do is put in some time once a day at the comfort of your office or your home. You actually call in the shots here since you just let the application understand what your needs are. You key in what currency you wish to trade at as well as your asking and selling price. Just look for another automated broker and you are all set to go.

If you want to see what is happening to a current investment, you can watch it rise and well, fall on real time basis if you choose the Automated Forex Trading software. If you plan to do it manually, it will sometimes take time since you are not the only client of these brokers plus there is a time frame for manual trading – basically in the morning until mid-afternoon.

Most popular investment books are published for the already rich and famous, by an industry that has become just too good at the business of selling books. Rarely will a publisher take a chance with the work of an unknown author. Certainly, it’s a no brainer to sell a Jim Cramer, Peter Lynch, Robert Kiyosaki, or Maria Bartiromo effort while a uniquely new approach to solving the puzzles of Wall Street, presented by an unknown writer or commentator, requires some major financial risk.

Big publishers want to sell already big names; discovering new ones is not in their wheelhouse. Are they responsible for the problems in the financial markets? Of course not, but they do have a perverse, if indirect, impact. By constantly publishing the same Wall Street friendly message, they contribute to the brainwashing.

Without a wider distribution of new ideas based on old wisdom, Wall Street as usual remains Wall Street as usual and the average investor remains uninformed and ill advised about the dangers of the financial markets. The biggest investment mistake generators are cleverly ignored by most of the books I’ve read about investing— even compounded.

The new generation focus on calendar year instead of market cycle performance; the worship of portfolio market value alone, for all securities, even those purchased solely for income production; the use of gimmicks and products instead of securities for portfolio development; the acceptance of speculations as acceptable, “alternative” investments.

Appreciating the differences between investing and speculating, and learning what to expect from your securities in cyclical markets are things that investors must learn about. Have you been brainwashed? These 15 Amazon members are learning to think outside the Wall Street box, without any help (or investment) from publishers:

1) Super Investing Book: I’ve read a bunch of books on investing and money management, and this is the best, BY FAR!!!!! It’s so good, and refreshing, that I’ve read it twice. (R. Q. A., Bryan, Texas)

2) Back to Basics: This is an eye-opening and intelligent book, which at once offers an analysis of the investment industry and a practical guide for non-professional investors— a clear set of economic principles mixed with clear commonsensical advice. The author— describes how to benefit from the ups and downs. Great book. (Professor P. W., Jerusalem, Israel)

3) The Best Investment Book I Have Ever Read: For skittish investors such as me, [the] unique Working Capital Model reduces the emotional factor by taking the emphasis off market value and focusing on growth of working capital. I implemented and followed the trading strategy myself. You would do well to buy this book and read it two or three times. It will save you [from] a lifetime of mistakes that come from following conventional wisdom. (D. J. F., Peoria, IL)

4) Easy to Understand, Even for Non-Investors: This book seems to be much easier to understand than the stock market trading systems advertised on TV. (P. L., Manchester, CT)

5) Happy User: You can take this system to heart— and to the bank. It works for me. (L. J., Phoenix, AZ)

6) Unique Advice that Stands Out From the Crowd: This is one of two [books] that stand out. Besides being written in an entertaining and irreverent style, it has immensely practical advice. Focus on making money on the market’s inherent volatility vs. trying to guess what’s next. Saves a lot of time and appears to work. (C. M. Rakes, Annandale, VA)

7) An Enlightened Self-Managed Investor: Not only did I identify many many mistakes that I had made thru the years, but the logical approach outlined [in the book] has to make sense to anybody who has tried to get meaningful portfolio guidelines for future investments tailored to individual needs. Great Book! (A. C., West Palm Beach, FL)

Right on the Money: I didn’t want to put the book down until I was through. [The] trading strategy is refreshing information that should make a lot of people a lot of money with less risk. (D. M., SC)

9) Investing Made Successful: I heard [the Author] on a talk-radio program and was intrigued by the premise of the book. After reading it, I’m convinced. I’m migrating from mutual funds to individual, high quality equities. [The book] was a slap in the face to make me stop my destructive investing habits. (G. P., Colorado Springs, CO)

10) What a Great Read: This is really an incredible book— [it] has incorporated very creative insight with some highly original thinking to produce one of the best “investing manuals” ever written. I wholeheartedly endorse this book! (“Jointhefreedom”, NM)

11) Courage To Go Against the Pack: The [book] is written in an exciting, enthusiastic, fast moving, style that reads like a novel. Should I ever venture into the stock market, it will be with this book. (S. M., Virginia Beach, VA)

12) L-O-N-G Overdue Investment Strategy Advice: I’ve long been skeptical of the generic advice handed down to me by advisors over the past— I don’t know any wealthy people who do this. Well now I have a frame of reference for my doubts about the system and a simple plan to take control of my investments. (B. S., Vancouver, BC, Canada)

13) A Must Read To Save Your Money From the Sharks: Written in a conversational style with plenty of humor, this book gives you the questions and answers you need to keep and increase monies that are being put away for retirement. I have purchased three books already and am purchasing five more to give to friends and relatives— (R. M., San Jose, CA)

14) Brainwashing of the American Investor: Finally the truth! What an eye-opener to see how the markets, and the people behind the markets, have manipulated the average investor over the years. I highly recommend [this] book for your next financial read. (A. J. L., Ft. Pierce, FL)

15) Profit Like a Trader; Sleep Like an Investor: The technique or strategy presented is almost a “why didn’t I think of that?” The idea is to run your portfolio the same way you would run a business—not a get-rich-quick kind of plan. You just focus on the essential measures of quality. The key is to maintain your plan during the slow times and reign in your greed during the boom times. (P. G., Moon Township, PA)

Today’s publishing industry has a no-risk attitude, and those that are brave enough to deal with new authors are intimidated by the full-return guarantee demands of the bookstores. Stuck in the middle with no choice, most new authors must turn to self-publishing.

The reviews above describe a book that Wall Street wants to keep in the closet, an educational and strategic breakthrough that would have allowed most investors to avoid the bubbles and derivatives that caused our current financial woes. There are probably others— below the 200-level in all Amazon’s best categories.

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