The Complete Bankruptcy Guide for Consumers and Small Businesses Everything You Need to Know Explained So You Can Understand It

According to the U.S. Courts Bankruptcy Statistics Web site, more than 1,300,000 bankruptcies were filed with U.S. courts between June 2008 and June 2009, with almost 96 percent of those being personal, non-business filings. The volume of those who face the stress that coincides with bankruptcy filing continues to grow and it can be hard to discern between the six different forms of common bankruptcy and how each might affect you or your business. This book was written with the goal of providing a complete handbook to understanding the complex bankruptcy laws of the United States in an easy-to-read format that will allow you to move forward in your life, either through the bankruptcy process or through viable financial alternatives that help you to avoid filing.

Before you even approach the bankruptcy process, you will learn if there is anything left you can do to salvage your finances. You will learn how to manage existing debt in avoidance of bankruptcy and how to handle debt collectors, and also acknowledging which of the debts that you hold are the most important. You will learn how to decide when bankruptcy is the best or only option left at your disposal, including what a bankruptcy actually entails, from the first piece of paperwork you sign to the lasting effect it has on your credit.

You will learn how to deal with the emotional and social implications of bankruptcy and also what aspects of your life will immediately change as a result. The six different kinds of bankruptcies are outlined in full detail with walkthroughs of what each format offers and when you can utilize them to your advantage. Specifically, detailed instructions for liquidating debt with a Chapter 7 bankruptcy and using a Chapter 13 bankruptcy to rebuild your life are given as well in their own chapters. You will learn what it takes to find and utilize a qualified consumer bankruptcy attorney and exactly what to expect throughout the process.

For businesses that are navigating the complex corridor of bankruptcy filing, information is provided about the specific processes you must follow for your specific kind of business. You will learn how to choose which Chapter to file under and what you must do to protect your personal assets during a business bankruptcy.

Finally, a special section is included to guide you through the harrowing post-bankruptcy process, helping you to rebuild your credit after the process with a timeline of how long you can expect to wait before you start to regain the standing you originally had. You will be given details and tips on how to manage your finances in the future, and interviews taken from bankruptcy experts and individuals with personal experience will help you know exactly what you can expect before, during, and after your bankruptcy. For anyone at the point in their life where they are considering a bankruptcy to solve their financial problems, this guide is a must have tool, providing an easy-to-read, comprehensive overview of the entire process. Item#9781601383105  $24.95

The Complete Guide to Your Personal Finances Online: Step by Step Instructions to Take Control of Your Financial Future Using the Internet

With the growth of the Internet, the personal finance industry has equally boomed, allowing individuals who previously had no control of their money to take the reins and start banking, investing, and controlling funds online without the need for pricey professional help. In 2002, the number of people investing online was around 20 million. In 2006, that number had ballooned to almost 55 million and the estimates for the 2007 fiscal year show that it has risen as much as 40 percent higher as more people realize the potential that online services provide. But for many people, the complexities of finance are still too much. For that reason, this book was written-to provide you with a complete guide of everything you need to know to start managing and investing your money online.

You will learn the basics of why people take to the Internet to manage their personal finances and how you can start doing it today. Starting with the basics of online banking, you will learn what you can do keep track of your checking and savings accounts, pay your bills online, and even apply for loans from the comfort of your own home. You will learn how to measure your own assets and how much money you can afford to spend. A special section is devoted to deciphering the complex language of the financial sector to help you understand what you are dealing with. You will learn how to know if you are a passive or active investor and what kinds of rate of return you can expect. In addition, learn how to prepare your computer for use as a personal finance hub - the necessary safety and security precautions to keep your information safe, the Web sites you should bookmark, the tools you should have installed, and countless tips to help you keep track of the market, top picks, and your fellow investors.

The various types of online accounts will be broken down for you, including taxable brokerage accounts, retirement accounts (401k and IRAs), and education savings accounts such as 529 plans. You will learn how to determine what your tax burden will be in relation to your investments, as well as how to seek out and find the right broker for your needs. You will be walked through the process of finding the best financial opportunities and executing trades as well as your alternate choices in stock options and FOREX trading.

Hours of interviews and careful research with the industry's top investors and online finance professionals will provide an additional level of knowledge to help you know that every financial decision you make is correct. You will be shown how to keep in touch with your fellow investors, what mutual funds, ETFs and various other financial options are at your disposal, as well as how to start investigating in the companies you are looking to invest in. You will learn how to uncover the top prospects and develop investment ideas, as well as the top ten mistakes you absolutely must avoid as an online investor. For anyone seeking a complete resource for online personal finance, look no further than this book. Item#9781601382979  $24.95

Retire Rich With Your 401(K) Plan A Complete Resource Guide with 100s of Hints, Tips, & Secrets from Experts Who Do It Every Day

The retirement market is huge. According to the Investment Company Institute, more than $2.25 Trillion is invested in 401(K) plans by more than 45 million Americans, building wealth for millions of individuals who hope to retire early and enjoy their old age in the lap of luxury. Understanding and maneuvering through the complex world of 401(K) plans though, can be quite difficult, often requiring professional help, or resulting in lost funds.

For anyone who has ever wondered what it would take to turn those slowly growing 401(K) plans into exploding retirement accounts that will allow you to quit your job early, there are things you can do. This complete, uptodate guide on the 401(K) plan market has made it easier than ever to sort through your finances and start pulling out the necessary bits and pieces of information that you need to truly capitalize on your retirement. You may think you know what a 401(K) plan is, but you will learn in detail exactly what these plans provide to you and what options you have that you may have never explored. From Roth IRAs to diversified portfolios, the options for how you invest in your retirement will finally be made clear.

You will learn how to start saving, even when you're getting past the point you thought you could save. You will learn how to start your own retirement plan even if your employer does not provide one. You will learn how to maintain your savings plans and not lose a dime of your money, even if you change jobs repeatedly. You will be walked through the complex process of investing your own 401(K) plan, including how to take advantage of mutual funds, and how to measure the risk involved in stocks and options versus bonds.

You will be shown the upper limits for your contributions every year and what you can do to maximize those contributions to ensure the money is there for you to draw from. You will learn how to choose between different tax structures and what you can expect as you grow closer to retirement. If you ever need to draw funds out of your 401(k) you will learn how to do so and what your plan expects of you. With the help of dozens of hours of carefully noted conversations with investment professionals, we have provided the tips you need to maximize every penny you have in your 401(k) plan so that when you retire, you have as much money as possible. And for those with alternate retirement options or necessities, you will learn what other 4() series savings plans are available to you. Don't wait too long to start investing in your future. With this book you can start now and retire when you want to, freeing up the rest of your life. Item#9781601382962  $24.95

Retire Rich With Your Roth IRA, Roth 401k, and Roth 403b Investment Strategies for Your Roth IRA Explained Simply

When the Roth IRA was introduced in the 1990s it was widely hailed as a great way for individuals to increase their retirement holdings by paying the taxes before the money was invested into their IRA accounts. In 2006, the Roth IRA was made permanent by the Pension Protection Plan along with the increased contribution limits. Today, the Roth family of retirement options is a great way for anyone to start putting away money for their future without worrying about paying taxes on their money more than once.

However, for your Roth IRA or Roth 401(k) to effectively grow and provide for you when you reach retirement, you need to understand how to manage your investments and fully take advantage of this popular method of saving. This book is written for the everyday investor who already has a Roth IRA and desires more knowledge or for the individual seriously considering a Roth account. Those who want to put away money so they can retire with enough to be well protected and prepared for anything will benefit from the extensive research on these investments and the helpful case studies distributed throughout the book. You will learn why the federal government enacted the new Roth rules in the mid-1990s, what your different Roth options are and all the ways you can invest the money—from stocks and real estate to bonds and mutual funds.

You will learn the fundamental basics of investing in an IRA and how to start making investment choices, from researching companies and funds to settling into a long term investm ent. You will learn how to maintain a positive working relationship with your administrator and what you will need to do to make your tax payments to the IRS. Top financial experts who specialize in Roth IRAs have been consulted and their expertise compiled here to provide you with the necessary information you need to learn how to effectively invest in your retirement accounts.

You will learn how to put limits on your investments and to manage your risk effectively from now until you retire as well as how to stretch your accounts as needed. You will learn the ins and outs of researching and choosing mutual funds and why your decisions now do not mean everything for the rest of your life but should still be made carefully. If you are 21 or 65, this book can help you maximize the results of your Roth accounts and teach you tricks and tips to getting the most out of your investment.
 Item#9781601383211  $24.95

How to Hide A Practical Guide to Vanishing and Taking Your Assets with You

There are many reasons why you might decide to leave your life. You could be one of the nearly 800,000 million Americans every year who have been forced to file for bankruptcy or one of the 900,000 individuals who files for divorce annually. Whatever reason you may have for wanting to hide your assets and disappear without a trace, this book is a complete walkthrough of the process you should use to do so.

The first thing you will learn is how you can start planning your move out of the United States. What will you need to do and know before you prepare to leave to ensure that your move goes off smoothly? The choice between staying in the U.S. and leaving the country will be provided, as well as a rundown of very important questions you must ask yourself before you leave your old life behind, including cautions, and the legal implications of your departure that can never be undone. You will learn where the best places in the world are to hide yourself and your assets. The process of diversifying your money out of U.S. credit bureau and Financial Crime Enforcement Network oversight will be provided, allowing you to start hiding your assets in nondescript, untraceable locations.

You will learn what you need to do to start generating your new identity and what ties need to be completely severed in order to make sure your old identity does not come back to haunt you. You will learn how to travel in and out of your new country and the U.S. with ease and how you can access, move, and keep your money safely without giving away where it is hidden. The most important aspect of this book will be the chapter on how you will be searched for and what you should expect. The various purposes for your departure will affect how thoroughly you are sought out and what you must do to stay hidden. Additionally, you will be shown how to maintain your lifestyle according to where you move and what your assets are worth in your new home. A special chapter geared exclusively toward the victims of abuse, including spousal, domestic, or other types, is included, along with information on what to do if you have children or other ties to your former life.

Finally, you will be shown how the Internet will become an invaluable tool to you in staying hidden, but also a portal through which people can find and stay in contact with you. For anyone seeking to finally break free of their old life and be gone, without a trace, this book provides a complete, step-by-step guide to help you hide your assets, get away, and stay hidden for good.  Item#9781601383099  $24.95

How to Survive and Prosper After a Financial Misfortune: A Complete Guide to Your Legal Rights After Bankruptcy, Foreclosure, Repossession, and Eviction

Every year, it is estimated by the U.S. Census Bureau that more than 700,000 people file for bankruptcy. Another 1-2 million must deal with foreclosure, repossession, or eviction. In 2007 alone, it is estimated that a record number of homeowners were subject to foreclosures and the light has not yet appeared at the end of the tunnel. For these individuals and millions more who are on the brink of financial misfortune, this book has been written to provide that light, a guide that will help you make the financial and life decisions necessary to come out the other side and rebuild your life.

Included in this book you will find not only detailed descriptions of the bankruptcy, foreclosure, and eviction laws in the United States; you will learn exactly what you can do to come through the process as gracefully as possible. By hiring the right attorney, filing the right paperwork, and knowing your rights throughout the process, it is possible to not only survive, but to prosper after a catastrophic financial shortfall.

You will learn how to start rebuilding your credit immediately, without needing to wait the full term that a bankruptcy remains on your record. You will learn how to shuck the social stigma and what your rights are coming out of a repossession or foreclosure. More than ten major financial hardships are provided through the chapters in this book with detailed instructions on how each one will affect your finances, life, and family, and then what you can do to bounce back. You will learn what housing options are at your disposal following a foreclosure and how to negotiate with the bank to make the process less damaging.

You will learn how to relocate your family and how take advantage of government and municipal programs designed specifically to help people who have fallen to hardship. You will learn what options you have at your job and in the community and finally, the different ways you can start overcoming the black marks on your record in rebuilding your credit, finding a new home, and acquiring hard to find financial assistance. Dozens of interviews were conducted with experts in the field of debt management, bankruptcy law, and social work in the hopes of providing a comprehensive perspective of what millions of individuals have gone through before you and how they managed to survive the tumultuous aftermath of their financial hardships. In this book, you will not only learn how to survive your downturn in financial standing; you will learn how to rebound and retake your life. 978-1-60138-298-6  1-60138-298-7 Item#9781601382986  $24.95

Living Life After Divorce & Widowhood: Financial Planning, Skills, and Strategies for When the Unthinkable Happens

The massive change in your life after a spouse leaves can be overwhelming, both emotionally and financially. With a divorce rate holding steady at .36 percent per capita, according to the National Center for Health Statistics, and the wide range of individuals stricken by their spouse's early death, the dilemma of having to handle your own finances and relearn the single lifestyle can be a heavy blow. With this book, you will learn not only how to pick up the pieces and once again live alone, but how to successfully organize your finances, run your life, and keep yourself afloat.

The first step in rebuilding and returning to the lifestyle you have not lived in years is to analyze how you saved and ran your finances during marriage. You will learn how to sort through your existing finances and how to redefine what kind of financial risk you present - whether you are a saver or a spender, and how you can use this knowledge. You will learn when, and if, you should seek professional help in outlining your financial options and putting everything in order and how to do so.

Every situation in which you find yourself alone again will affect your finances differently and so, a chapter has been provided that details how each different form of divorce and the death of a spouse directly affects you and your financial standing. You will learn how to reassess your assets and liabilities and what will have carried over from your spouse. The process of assessing your finances and looking at cash flow statements will be provided alongside a detailed walkthrough of the process involved in deciding how your future finances will be managed.

The complex process of filing and filling out the necessary paperwork will be broken down into easy steps for every situation you might find yourself in, including the reallocation of powers of attorney, wills, and insurance coverage. You will learn how to reassess your career and how to restart your savings successfully, regardless of what happened. The reduction of debt and the management of existing investments are discussed in depth along with the detailed interviews and professional opinions of financial and legal experts in the field who provide tips and strategies for anyone trying to rebuild when single again. Finally, you will be shown how your restructuring can and will affect your children and why you should start planning as quickly as possible for their needs. If you have recently gone through a divorce or suffered the loss of your spouse, it can be a rough experience trying to rebuild your life, but this book will help you through the most meticulous and nerve wracking aspects step-by-step.  978-1-60138-289-4 1-60138-289-8  Item#9781601382894  $24.95 

How to Win Your Case In Small Claims Court Without a Lawyer

Small claims court is a place where many people look to equalize the playing field against individuals, businesses, or partnerships that have wronged them in the past. According to information gathered by Laywers.com, your limitations range anywhere between $2,000 and $10,000 in small claims courts and hundreds of thousands of Americans end up there each year with a case. Many people cannot afford the cost of a lawyer to ensure their case is solid and well presented before the court and are left out in the cold as a result. Small claims courts are not nearly as simple as those television judges make it seem, fixing problems in 30 minutes on daytime television. If you are not fully prepared with the right paperwork, proof, and witnesses, you may end up worse off than before.

With this comprehensive guide to winning your small claims case without a lawyer, you will get just that - a complete run through of everything you need to know before you submit your case to the court and the subsequent information you need to win that case. Starting with a checklist of everything you need before you even look to file a claim, you will learn how the courts work and all of the legal jargon that will be thrown about during the court case process.

You will learn how to state a claim in formal documents and ultimately whether your case is in fact any good before you file it. Different approaches to more than fifteen different kinds of small claims cases are provided, including breaches of contract, property damage, personal injury, defective products, breaches of warranty, nuisance claims, and many more. The limitations on monetary compensation in small claims court are outlined for you along with specific methods for how to calculate your own limits. You will learn how long you have to sue after an offense has occurred and how you can approach a settlement with the plaintiff outside of court. Different legal procedures for bringing legal action against individuals, couples, businesses, and corporations are provided and a detailed chapter about the various filing fees, court papers you need, and schedules you can look forward to is provided.

After hours of interviews with small claims court lawyers and successful defendants, an outline of the court case process has been devised and provided, including how to get ready for court, prepare your witnesses, and what you can expect on the day you are to be in court. You will learn the difference between various judgments the judge may provide and what options you have after the judgment is reached. For anyone looking into the option of taking legal action against a person or business, this book is an absolutely necessary resource that will ensure you are both prepared and fully educated about the process.  Item#9781601383068  $24.95

The Complete Guide to Investing in Annuities How to Earn High Rates of Return—Safely

Annuity investment has become an increasingly popular option for many investors each year with the market topping more than $100 billion in sales in recent years. Due to the dual nature of annuities, they can often be misunderstood and many investors looking for high return rates steer clear of them, hoping for the quick return rates that they often associate with higher risk investments. Though, as this book will show you, annuity investment done properly can be an incredibly powerful tool in helping you reach your full financial potential without taking substantial risks.

In this book, you will learn exactly what annuities are and how they work. You will be shown all of the common misconceptions about annuities and how you can get past those and decide if annuity investment is right for you. You will learn the primary purpose of an annuity and how they can help diversify your retirement options. You also will learn which risks are immediately associated with annuities in regards to your retirement, including longevity, investment, and planning risks.

The specific elements of an annuity are laid out in striking detail, showing you how it works, what the differences are between each major type, and what you can expect from deferring annuities and immediate annuities. The pros and cons of each type and comparisons to other investment options such as CDs, mutual funds and retirement accounts will help you decide how an annuity fits into your portfolio.

Interviews with dozens of financial experts have helped us compile a comprehensive guide on everything you can imagine related to annuities. You will learn how a fixed annuity operates and what you can expect from multiyear agreements as opposed to singleyear agreements or market value adjusted annuities. Index, variable, and income annuities are also described in full detail in their own chapters along with when they are the best choice and how they ideally fit into your investment strategies. You will learn how to properly structure an annuity and how to optimize your variable investments. You will be shown how to access, get out of, or convert your annuities when things change in your life and what you can expect to pay in taxes on your annuities. Finally, you will be walked through the annuity sales process, including what you should expect from your salesman and ten essential questions you must ask before you sign any paperwork. If you are considering or preparing to purchase an annuity in anticipation of your retirement, this book is a vital tool that you cannot overlook. Item#9781601382917  $24.95

The Complete Guide to Investing in Bonds and Bond Funds How to Earn High Rates of Return—Safely

Bonds have long been a stalwart of investment. More than $100 billion was invested in municipal bonds alone in 2006. Now, with the economy a little less certain than it has been in recent decades, the demand for a secure place to invest money has lead to resurgence in interest in the use of bonds for many investors. Because there are many peculiarities in bond investment, you must have a basic understanding of the market, the bond issuer, how to measure rates of return and how to maximize those rates. This book provides anyone who has never invested in bonds before the ideal handbook to start investing in and earning massive returns from bonds.

You will learn everything the savvy investor needs to effectively turn a high risk portfolio into a constantly growing, steadily developing source of wealth. You will learn how bonds operate on a very basic level, including the numerous different kinds of bonds and how bond funds can be a highly lucrative option. You will learn the fundamental differences between government, municipal, and corporate bonds and how much of a return you can expect from each.

You will learn the basic methods of valuation and yield that bonds are measured by and how you can evaluate bonds with three basic steps. You will be guided through determining the face value, coupon rate, and sale price of a bond, as well as the ratings, insurance, maturity, callability, and taxes that might be associated with it. The importance of interest rates, inflation, and supply and demand in affecting the yield of your bonds will be detailed as well to ensure you make a careful investment.

In addition to a comprehensive guide on the many options and methods of investing in bonds, dozens of interviews with financial gurus from around the nation have been conducted to provide critical, real world advice on how to successfully invest your money into bonds. You will be shown the risk free methods by which to invest in bonds, making low interest returns on U.S. government bonds, as well as the higher risk methods that will allow you to make great returns by investing in industrial and corporate bonds. You will learn how to look overseas for even more lucrative options and how to measure the risk of your bonds based on the debt in which you are investing and the callability of any one bond issuer. You will be shown how to effectively balance your portfolio to include bonds without ignoring the necessity and place for other investments. For any investor who has been agonizing over how to safely invest money for a high return, this book is for you, guiding you through the complex, but rewarding, world of bond investments.  Item#9781601382931 $24.95

Winner of the Florida Publishers Association 2010 President's Book Award (Silver Medal - Business)

The Complete Guide to Investing in Derivatives How to Earn High Rates of Return—Safely

As one of the more complex but higher yielding financial opportunities available, derivative investing has become a multitrillion dollar industry. According to the Bank for International Settlements' 2007 Second Quarter Reports, there are more than $6 trillion in contracts outstanding in 2007 - more than $800 billion of that held by nonfinancial customers around the world. The physical number of contracts broke the 300 trillion mark and the numbers continue to rise annually around the globe. The combination of lower risks and potential skyrocketing gains that a derivative offers has made many people stop and take notice, yet the seemingly complex nature of such an investment is cause for pause. With this complete guide to understanding derivative investment though, you will not only understand how they work, you can also start making incredibly high returns on a regular basis, all while minimizing your risk.

You will start by learning exactly what derivatives are and how the various different forms, including forward contracts, futures contracts, swaps, and options, allow you to make trades on less tangible things outside of the various different trading opportunities you normally have. You will learn why it is important to know everything about derivatives before you start to trade and the vital use of risk analysis and management to maintain the economic stability of your portfolio.

You will learn how to use post data and other variables to manage your risk and what the market uses to determine the futures and forward contract prices. In addition, the prices of commodities, exchanges rates, and interest rates as they apply to derivatives will be discussed, including how they are established. You will learn what a contract provides, how the futures markets operate, what taxes and commissions you can expect in futures trading, and what people are currently working on in the futures market. In addition, you will learn the various forms of futures, such as stock index futures, Treasury bond and Treasury note futures, and also Treasury bill and Eurodollar futures.

You will learn directly from the experts, thanks to dozens of hours of interviews with the nation's top derivatives trading experts. You will learn how to trade and add swaps to your portfolio, manage the risk associated with them, and how they are priced and valued. You will learn what options allow you to do and how you can utilize call and put options. You will learn the various different option pricing models and trading strategies, and also how the continuous time option pricing model operates in different markets. For anyone who wants to take advantage of the derivative market but does not yet have the necessary knowledge to do so, this book will provide you with a comprehensive outlook on every detail involved in trading within these complex, more advanced markets. Item#9781601382955  $24.95

The Complete Guide to Investing in Exchange Traded Funds How to Earn High Rates of Return—Safely

The growth of Exchange Traded Funds (ETFs) in recent years alongside an unprecedented access to investment resources by any individual with a computer has led to a major boost in the market for many of these funds. According to recently released numbers for the 2007 fiscal year, as reported in the Chicago Tribune, there are currently more than $608 billion in assets within ETFs, with almost $400 billion of that in domestically traded assets - an increase of almost 40 percent in one year. This book will provide for you a complete guide to both understanding how to invest in Exchange Traded Funds and to earn the highest possible rates of return without risking your financial future.

You will learn why the ETF has become the next major addition to essentially every casual trader's portfolio, offering a viable alternative to highfee mutual funds and Wall Street infused stock trading. You will discover the multiple ways in which you can build the stock equity side of your portfolio, through large and small growth, sector investing, international investing, and with specialized stock ETFs.

In addition to standard forms of ETFs, you will learn the various forms of Bond ETFs, Real Estate Investment Trading ETFs, and Commodity ETFs for gold, silver, and other precious metals. Also, you will discover why you should include a mixture of nonETF investments in your portfolio to remain diversified at all times. A special section detailing a sample ETF portfolio and how yours should be organized will help you understand the format and building structure for ETF investments. The keys to buying and holding successfully, a stark change from normal investment strategies, will help you learn what ETFs do differently, while the listing of rule exceptions make it easy to recognize when you will have even more options than you originally expected.

Through countless hours of interviews with financial professionals and newly independent traders like yourself, you will learn exactly how ETFs are being used today to revolutionize the world of personal finance, including retirement funding, education savings, and portfolio diversification. A list of commonly asked questions will ensure that every possible question you currently have is taken care of and the top ten mistakes that every new investor makes when starting with ETFs will help keep you from increasing your risk. You will be shown the entire corral of trading options at your disposal, both online and offline, and how Internet trading can help to increase your returns even further. The vital task of risk management is touched on repeatedly within each chapter, while trading profiles help you understand which investments have been most successful in recent years. For anyone getting ready to start trading in the highly lucrative ETF market, this book is a must have tool. Item#9781601382900 $24.95

The Complete Guide to Investing in Gold and Precious Metals How to Earn High Rates of Return—Safely

Gold has been an almost universal measure of wealth since it was discovered in the early eras of human civilization. Its value is determined by a number of factors - the volume of gold held by prosperous countries, the rarity of gold as it is refined, and current market trends. Inflation has a major effect as well. In 1910, gold was worth $20 an ounce. In 2007, the value of gold holds steady at almost $800 an ounce. The price does not remain constant though. A quick look at the value of gold in 1990 and then in 2000 will show that it had risen as high as $640 an ounce and then dropped to as little as $250 an ounce. So, it is understandable that you become easily confused by the financial properties of the world's most famous precious metal. This book was written to provide the savvy investor with the essential guide to not only understanding how gold and precious metal investments work, but how to make the most possible money from your investment.

You will be given a complete history of the most popular and traded precious metals on the market, where their value first originated and how it has evolved over the course of human history. You will learn how practical uses of precious metals have directly affected their value over time and how metals like gold and silver are direct indicators of the current state of the economy.

You will learn why precious metals, despite their fluctuation in price, are immune to the effects of inflation when utilized within you portfolio properly and why they immediately rise in price during times of recession and financial hardship. The physical and financial risks of each precious metal is outlined to show you how such an incredible drop could occur in the value of a physical item and what effects supply and demand have on certain metals that they do not have on others.

Most importantly, you will learn to recognize market trends that pinpoint the risk of inflation and the exodus from stock to precious metals that will often occur as a result. You will learn what role the central banks play in setting gold and precious metal values and how you can use mutual funds and futures to diversify your portfolio with precious metals without spreading yourself too thin or risking too much. With the assistance of dozens of financial experts and commodities traders who have worked with gold and precious metals for decades, you will learn all of the ins and outs of precious metals and how you can maximize your returns and minimize your risk. For anyone looking to diversify their portfolio and protect their investments with precious metals, this book provides you with a complete investing guide. Item#9781601382924  $24.95

How to Win Your Case In Traffic Court Without a Lawyer

According to the National Motorists Association, as many as 50 million Americans are issued traffic tickets for moving violations. Many of those tickets will be paid and forgotten about, but many more will be added to a growing list of traffic court cases - with an estimated $7 billion in annual tickets and a good percentage of them being taken to court. For many people though, the cost of hiring a lawyer and fighting a case over a $300 ticket is too hard and they just accept it, paying the fine begrudgingly. With this book, you no longer have to cave into government pressure and pay your fines. If you feel you have been wronged, this book will walk you through every step of the process to uncovering exactly what you can do to win your traffic court case without a lawyer.

You will learn the total number of people who receive tickets every year and just how many are successful in their fight against them, including how they were successful. Learning to understand the law is essential in knowing whether you can effectively fight your ticket and this book will provide multiple chapters designed to break down and outline the details of the law for each major type of moving violation. You will learn what the three different kinds of speed limits are and when you can fight the ticket. You will learn which defenses absolutely will not work in court and whether you will be wasting your time by using them. Different ways in which your speed was measured and understanding how the officer handled the ticketing are vital to making your case and a comprehensive chapter on analyzing this evidence will be presented.

You will learn how to start building your case by using discovery and obtaining all of the necessary evidence. The trial specifics are outlined in a step by step manner, including the process of finding witnesses, preparing testimony, and presenting diagrams and visual cues that will help you make your case. Learn how to talk to the officer that issued the ticket and prepare yourself for the onslaught of questions your prosecutor will present.

With the help of professional opinions from dozens of lawyers and legal specialists, you will learn exactly how each traffic court case is handled and what you can expect when you take your particular case to court. There is an essential difference between jury and judge only trials and you will learn how to handle each of them, as well as how to tweak your case to match any of the 50 states in which you live. If you have received a traffic violation and you know it is unfair, the only choice you have is to fight it in court, and this book will help you do just that without the need of a lawyer or an expensive defense. Item#9781601383051  $24.95