Free business and investing Kindle books for 04 Dec 13

Recession-Proof Retirement: Safe Strategies to Manage Wealth and Retirement Income

by Mark J. Orr CFP

In thinking about your own retirement, does it seem “more probable” to you that your MONEY will outlive youâ?¦ or that YOU will outlive your money? In either case, the proven strategies in this book can safely make your savings work much harder.

This book is a must have for people who are already retired or within just a few years of their retirement. If this describes you, please keep reading.

But if you are more than 5 years from retirement, please search for his book “Stress-Free Retirement Planning” on Amazon, which will be more appropriate for you.

“Recession-Proof Retirement” shows retirees how to safely increase your interest income, reduce your income taxes and/or predictably increase your security, wealth and legacy.

A successful retirement is no longer a “slam dunk”. With fewer retirees getting sizable pensions, the lingering effects of the great recession of 2008, a decade of stock market volatility and continuing historically low interest rates, managing finances for a long and prosperous retirement can be tricky for all but the very wealthy.

As a practicing Certified Financial Planner, Mr. Orr likes to start a retirement income discussion with this fact. There have been 23 economic recessions since 1900 and more will follow. They can all adversely & permanently impact a retiree’s lifestyle and/or their hopes for leaving a meaningful legacy. On average, one happens about every five years, so you will likely experience 5-7 recessions during your retirement.

Have you recovered from the last two recessions yet? Are you fully prepared for the next one? If not, what are you going to do differently?

Along with the high likelihood of living through more recessions, longevity and inflation are the big demons to beat during retirement. Many retirees have yet to fully consider, plan and invest for these nearly inevitable occurrences.

That could be an awful mistake unless you have more than a $1,000,000 in savings, a large pension that you both can count onâ?¦ and you don’t rely

on 2 Social Security checks each month. What will happen when one of those Social Security checks stops coming in?

The average lifespan of Americans has been rising for many decades and will continue to do so with medical advances. A couple aged 62 today, has a joint life expectancy of age 92 – so at least one of them is likely to live until age 92 or even longer. So we should really plan for a 25-35 year retirement income stream.

However, we can’t forget about inflation risk over the next few decades. Every year, everything that you buy will cost more. At 3% inflation, your cost of living will double in 24 years. With inflation factored in, we need to plan for

a 25-35 year “rising income” — as your cost of living during retirement will probably double. One cannot afford to wait and deal with this looming economic “time-bomb” later.

With that in mind, retirees need secure places to put their money that provide decent returns that safely beat inflation over the next 2-3 decades, provide great liquidity at any time, offer flexibility and much more.

This book shows examples of how his clients are using these financial strategies and solutions for a more secure monthly income. The income planning strategies combined with what he believes are some of the best types of retirement investments to beat inflation and your likely longevity.

If you are closed-minded to new retirement income methods, this book is not for you. You will not read about old, failed methods.

These safe financial vehicles can be perfect CD, bond and annuity alternatives for a safe place for retirement savings and IRAs. They come with much flexibility and other valuable benefits for you and your family. And this book is NOT about index annuities which so many annuity salespeople are pushing onto seniors.

The educational and easy-to-understand information in this book can provide security and new long-term rising income solutions for

Free Money

by Blythe Ayne

Release the hold that money has on you, and free it.

Lessons on the use of imagination, manifesting, energy, and making sure you are focusing on your heart’s desire.

Getting clarity on the meaning of money, putting it in its place and getting it to work for you instead of the other way around.

Be the boss of your life!

Fundamentals of Double-Entry Bookkeeping

by Sal Razzaq

Fundamentals of Double-Entry Bookkeeping explains the basic concepts behind double-entry bookkeeping. Bookkeeping is a branch of accounting that deals with the mechanics employed by accountants to record and to collate financial transactions. Double-entry bookkeeping is a time-tested and proven method of bookkeeping.

The book is geared towards entrepreneurs, business professionals, and volunteers who want to acquire essential skills required to maintain accurate books for their businesses or organizations. New accounting students may also find the explanations in this book helpful in furthering their understanding of double-entry bookkeeping. Whether you plan to use a manual (paper-based) or an automated (computerized) accounting system, a deep understanding of key double-entry bookkeeping concepts will make your job easier. The book covers the following concepts.

– Accounting Period
– Account
– General Ledger
– Financial Transaction
– Journal Entry
– Debit verses Credit
– General Journal
– Account Ledger and T-Account
– Accounting Equation
– Contra Accounts
– Cash verses Accrual Basis Accounting
– The Accounting Cycle
– Trial Balance
– Income Statement
– Balance Sheet

Mobile Marketing, The New Economy (Future Frontiers of Cashflow)

by Jen Appreneur

You’re about to inject the power of mobile marketing and the mobile economy in to your business bottom-line – even though you haven’t read the book yet, you are now part of a most exciting time. And possibly the most exciting time EVER in the history of business!

This book is the Business Owners Starter Guide to Powerful & Profitable Mobile Marketing, using the Mobile App Income Systemâ?¢.

It will give you a simple and sensible overview of the mobile business â??landscape’ and how you can secure your own piece of mobile device screen real estate.

In this book, you will discover:

– The True Powers of Mobile Marketing

– The Keys to Connect with a â??Hungry’ Audience

– Essential Tips & Strategies to Launch a Mobile Campaign

– Top 10 Technical Capabilities of Mobile Devices and Apps

– The Biggest Benefits of having your own Business Income App

– Must-have Features for your Business Income App

– Making More Sales using your own Business Income App

– Secrets of The Mobile App Income Systemâ?¢ revealed

– How to get your own Business Income App by the end of today!


Cheating on Your Corporate Job: A Comic Look at the Startup Dream

by Kriti Vichare

“I want to be my own boss” is commonly heard from cubicle dwellers around the world. This quick, fun comic book provides the perspective needed for those in the corporate rat race who are also considering starting their own business.

Launching a new venture isn’t as glamorous as it seems. The startup journey has been romanticized in movies and literature. The truth is it’s hard work and the roads to success are littered with failures and huge lessons. The reality is if you can’t laugh and learn, entrepreneurship may not be for you!

This book is created by Kriti and Shivraj Vichare, and illustrated by Kriti Vichare. They are the creators of #entrepreneurfail ( Their content is inspired by the foolish ironies they have done and seen in their startup experiences.

“Cheating on Your Corporate Job: A Comic Look at the Startup” has 40 comics and descriptions about the nuances and the hilarious ironies between corporate and startup roles. The topics range from health care to best practices to salary to ownership.

The book is for the kind of person who is just itching to make the leap from their cushy corporate job into the world of startups. This book is also for students who are having a difficult time deciding if the corporate or startup route is right for them.

Find out more at

50 Things to Know to Save Money: Get Out of Debt and Start Saving

by Amanda Walton

Are you overwhelmed by debt collectors and bills that you feel like you can never pay?

Do you have a hard time figuring out which bills to pay and which ones to let go each month?

Have you ever thought that things would be fine if you just had a few extra dollars each month?

If you answered yes to any of these questions then this book is for you…

50 Things to Know to Save Money: Get Out of Debt and Start Saving by Amanda Walton offers a practical approach to figuring out how you can get out of debt and save money.

Most books on getting out of debt tell you to figure out a budget, stick to it, and go without.

Although there’s nothing wrong with that, most people find themselves struggling while they try to stick to it.

Based on knowledge from the world’s leading experts this book explores the many different ways that you can learn to have the little pleasures in life while still getting out of debt and saving money.

In these pages you’ll discover the best way to plan a practical budget that still allows for a few indulgences so that you can be happy while saving money. Research shows that people spend more money when they are unhappy so if you deprive yourself of everything chances are you would end up spending more overspending on unnecessary purchases because you are unhappy.

This book will help you learn how you can save money and get your finances on track.

By the time you finish this book, you will know how to save money by learning how to budget and get your finances on track.

So grab YOUR copy today. You’ll be glad you did.

50 Quick Tips: Time Management-How to Manage Time Better, Techniques, Strategies and Skills.

by Ernest Christo

Learn How To Manage Your Time Better

These 50 proven time management strategies will increase the quality of your work and home life through reducing stress and helping you achieve your goals more quickly.

When you are finished with this book you will have the skills needed to minimize the factors that are keeping you from spending more time with your family and friends and taking care of yourself.

One thing’s for certain, reading this book will not be a waste of your time. I am a firm believer in providing the best condensed information in my books.

You have my promise that you won’t have to sift through a bunch of boring statistics or useless information to get to the quality content you so desperately need. NO! These are straightforward proven strategies that you can start applying to your life within minutes.

Here are a few ways of managing your time better from the book:

1. The first step is to examine how you are using your time. Keep a journal for a week and record where your time goes, including recreational time, meals and sleep. This will help you get a sense of your current time management patterns.

2. Take time each morning to plan your day. Create a schedule with times for each activity, allowing some leeway for phone calls and other interruptions. Make sure to build in slots for meals and breaks.

3. Keep your eyes on the prize. What is it you really hope to accomplish in the long run? Do your daily activities move you closer to your ultimate goal? If not, try restructuring your daily scheduleâ?¦

19. Most people strive to learn time management skills because they would like to end up with more free time. Ask yourself what you want to do with that extra free time. Spend more quality time with family and friends? Work on a hobby? Travel? Just relax with a good book? Whatever your passion, try to bring this to mind at least once a day. This is what makes all your hard work worthwhile.

20. Remember that you have choices in how you allocate your time each day. No matter what your situation, you don’t have to be a powerless victim with respect to how you spend your time. If you exercise that control and arrange tasks in a way that is comfortable to you, you will feel more fulfilled at the end of each day.

21. No time management strategy will eliminate the inevitable monkey wrenches that will be thrown into your best laid plans. Good time managers learn to expect these unexpected disruptions, deal with them, and then refocus themselves on what’s most important.

As you can see, the design and goal of this 50 quick tips book is to help you rapidly learn proven ways of managing your time better.

These effective time management strategies and techniques will:

  • Reduce stress
  • Relieve anxiety
  • Increase your productivity
  • Help you get more things done
  • Help you overcome procrastination
  • Help you stop being a perfectionist
  • Help you to not feel overwhelmed
  • Enhance your self-esteem and self confidence
  • Help you establish realistic expectations of yourself
  • Teach you proven methods for relaxing when under heavy stress
  • Reveal how to set achievable goals in order to maximize your time
  • Show you how to break down larger projects into manageable tasks
  • Show you how to leave time in your schedule for unexpected happenings
  • Teach you how to not feel overwhelmed when there are too many things to do
  • Teach you ways of organizing your time so you achieve your goals faster
  • Reveal inexpensive tools you can use to make your everyday life run smoother
  • Help you in identifying the things that are stealing valuable time from your life

Download your copy now to learn how to achieve more in less time through the application of these proven time management tools, strategies, techniques and skills.

Unplugged: Walking Away From a Job and Getting Everything You Want Out of Life

by Scott Rewick

Sometimes You Have to Pull The Plug if You Really Want to Live Your Life

You’re About To Learn the Secrets to Creating the Life You’ve Been Dreaming of

In this book, you’ll discover:

How To Build Do Work That Will Support Your Dreams, Not Get In The Way

Have you ever seen people with fancy suits, fancy cars and a lot of money who just work, work, work their whole lives at jobs they don’t even like anymore? I used to be one of those guys. Then I discovered how to Unplug, and everything changed.

In this book, you’ll learn how you too can Unplug from your job before it sucks all the life out of you – and create an incredible income that will support your lifestyle.

Create Real Time Freedom

Unplugging is all about freedom. Are you free to do what you want, when you want, how you want, with whoever you want? If not, that’s okay. But if you’re looking for real freedom in life, the ability to choose exactly how you spend your time and how you live, this book is for you.

About the Author

SCOTT REWICK has spent over 15 years building and selling Internet companies in Silicon Valley. One of the early pioneers of modern Affiliate and Direct Response Marketing, he’s still regarded as one of the most prolific online media buyers of the last decade. Scott was instrumental in starting one of the early online affiliate networks, MetaReward, which sold for $30M. He then went on to co-found NetBlue, an online lead generation company, which quickly grew to over $100M/yr. in revenue in less than 2 years. The company raised over $20M in venture capital, having over 120 employees. Scott then went onto found, AdEx Media with Joe Abrams (co-founder of MySpace). The company raised $8M in venture capital and did over $23M in revenue in its first year. Most recently Scott successfully sold his interest in Cranking Media, a high volume online ad agency company he co-founded.

Having successfully navigated the waters of online startups and high growth companies, Scott now spends his time building out new businesses and consulting with individuals and quickly growing online companies.

6 Steps to Land the Job

by Mary Stern

Looking for a job? This book will help you through the maze of resumes, networking, resources, and interviews on the way to success. Drawing on extensive research and her 30 years of experience in human resources, the author will show you how to master the process. 6 Steps to Land the Job is the practical guide that every person looking for a job should read.

It makes no sense (and is no fun) to play such a high-stakes game without knowing the rules! 6 Steps to Land the Job will teach you the “hows” and, even more important, the “whys” of the career search game. Knowing the answers to these questions will make anyone more competitive in the job
market. Finding the right job can be extremely challenging and, at times, disheartening. Mary’s book will help you
prepare to make the most of any situation.
â??Tom Hall, Vice President
Talent Acquisition

It is tough out there! Finding the “right” position is a grueling and challenging process – this book is an excellent guide to success. I am going to give it to my two adult children and encourage everyone else to buy it!
­­â??Jack McGinley
Founding & Operating Partner
RoundTable Healthcare Partners

Mary Stern is a retired human resource executive who worked for most of her career at Baxter Healthcare. She is currently a principal at Monument Consulting and Publishing Company. She is also the author of a series of children’s illustrated books in The Cowboy Dog Series. She lives with her husband and the Cowboy Dog, Tawny, in Santa Barbara, California.

BYOB (Be Your Own Boss): How to Start a Home Business on a Budget

by Katherine Hiraldo

This guide will teach you the basics of starting a home business on a budget. Learn how to start and operate a business from your home with little money to start. This step-by-step guide will help you start from scratch with very easy to follow tips and instructions, and will also teach you how to gain and manage clients. There are tons of great ideas in this guide for starting and operating your home-based business on a shoestring. Learn how to choose which business is right for you, how to create a simple business plan, and much more!

Learn how you can start your business on a budget and Be Your Own Boss today!

Kickstarter Superstars Success Secrets & Strategies Revealed: How Real People Raised Real Money Through Crowd-Funding

by Clint Arthur

I wanted to find out how people were raising BIG BUCKS on Kickstarter and other Crowd-Funding sites, so I interviewed some of the most successful people who have actually done it!

I got access to these people because I promoted their projects to my 150,000 Twitter Followers and 12,000 YouTube Subscribers…

They reveal the actual strategies, techniques, and secrets they used to bring in the $$$

I interview…
Pebble: E-Paper Watch for iPhone & Android $10,266,845 Funded
Rise and Shine: The Jay DeMerit Story $223,422 Funded
Hickies by Mariquel & Gaston $159,167 Funded
Une Bobine $212,265 Funded

There is so much great wisdom in these videos… If you are even THINKING about doing your own Crowdfunding campaign you owe it to yourself to watch these priceless interviews!

And in this book you get the edited transcripts of the interviews, plus you get links and QR code links to the actual video interviews themselves. So you can read them, or watch them or both, as many times as you want.

Working the Perks: How to get something for (almost) nothing from the Big Banks

by Penny Pincher

How to make the most of credit cards and bank accounts without forking over your money to the banks. Play the system rather than letting it play you!

Good Ideas Marketing

by Simon Dell

This book is a combination of my efforts to try and help small to medium-sized businesses grow, and I’ve been lucky enough to interact with quite a few businesses in the past three or so years. When I first set out with my own marketing consultancy business, I began putting together a set of questions and statements to ensure that I didn’t forget anything when I first sat down with a prospective client. That list grew and grew, and in 2010 when I took on a class on â??Marketing for Small Business’ I had transformed the list into eight two-hour classes.

After they were completed, it became evident that there was much more than just an adult education class and that everything I was detailing could be developed into a book. And so I did just that.

BITCOIN Peer-to-Peer Electronic Money and Payment Network

by Bruce Goldwell

A simple guide for the novice to get started in using Bitcoins as a means of exchange for goods and services.

After you complete reading this book, you will know how to create your own BTC Wallet using one or more Internet resources and/or programs.

You will be able to fund your Wallet with Coinbase which is an easy to use Internet based web site that allows you to create BTC Wallets, sell your own products and/or services and accept BTCs as payment and how to exchange BTCs into USD currency (or currency of your country) to deposit in your bank account.

You will learn that there are other ways (available to even young internet users) to acquire more BTCs (in small sums) for your Wallet. Not necessarily for everyone, but useful for people looking for simple ways to increase the value of their Wallet.

You will find that there are literally thousands of stores (world wide) that accept BTCs in exchange for goods and services so you can be on the lookout for them when traveling.

There are many BTC resources available on the Internet which can easily be found by searching on Google and other search engines. The dollar (and other currencies) is not the only currency available to exchange for goods and services and BTCs can be used anywhere in the world.

How to Market Your Sales Funnel for Pennies (Online Marketing & Sales)

by Sandy Ingram

Easy, Effective Way to Make Your Sales Funnel Pay Off

Forget the Landing Page Theory, It Has Limitations

This book will explain how a free to cheap customized blog can serve as hundreds if not thousands of “Landing Pages” all with the blessings of major Search Engines and the Social Media Sites. This book will explain how to increase web traffic naturally and professionally with effective and measurable results.

Ë?Ë?Ë? For Sales Professionals:

Before you even arrive at a prospect’s office they will “Google you.” Even if you show up on your Company’s website, you also need to show up under your own name. This one small detail validates who you are and what you do. Sure your keywords may be over-used by mega corporations, but there are ways around that, and this book will show you how.

Ë?Ë?Ë? For Authors:

More than anything you’ll need a well-written book and a database of Followers who are interested in your work. Will they purchase your book, maybe not, but that’s not why you need them. When your book has FREE Kindle Days, your database of free-readers, will promptly go to Amazon and download your book for FREE. The more downloads you get the higher your book will rank after your FREE Days.

This book will show you how to keep in touch with your social media Followers/Likes and how to build an online relationship without a lot of hassle. You deserve this platform for your work. This book will show you how to create a workable platform where you can promote your books and yourself with little effort.

Ë?Ë?Ë? Your Weapon?

Information. You provide information about your book, your service, your product or your business. You provide quality information, which your web visitors can use. No, you don’t need to be an expert in your industry, but it will help if you are knowledgeable about your industry and are willing to share that information.

Ë?Ë?Ë? Don’t Want to Engage With People on Social Media Sites?

No Problem. Provide the right information and interested visitors will come to you. No engaging. No comments. No hassle.

Ë?Ë?Ë? Easy Internet Marketing

No HTML. Increase your online exposure and sales. Build up your web traffic, naturally using social media marketing. If the number of web visitors, are low in the beginning, this book will share ways to get you up and running quickly.

“How to Market Your Sales Funnel for Pennies” was written by an experienced Internet Marketing Specialist and Kindle Author

Scroll up and grab a copy today.

The Out Of Office Diary: How to change your life this week

by Chris Ward

Chris Ward is “The boss who works from coffee shops” (BBC). His â??Out Of Office’ book having already been No. 1 in the UK and Germany and top 20 in the USA and Canada, showing readers how to mobilise their life to escape the dreaded rat race feeling to live life to the full.

Now comes â??The Out Of Office Diary: How to change your life this week’.

â??Out Of Office’ has received 5 star reviews from the likes of: BBC, Management Today, FT, The Sun,, Monocle and Third Sector Magazine.

“ultimate inspirational book.” “A fantastic book.” “An inspirational manifesto.”

“Embrace the ‘Out of Office’ state of mind.”

Justine Roberts, Founder mumsnet

“Save money and have happier workers.”

Luke Johnson in the FT

The diary is an eBook for start-ups, business leaders, working mothers, students, executives and entrepreneurs – everyone who wants to change the way they work to change their whole life…

Everyone who needs to know how to manage a flexible workforce, be the best team player, work less hours and achieve more work, stop killing time and wasting energy and become more productive, creative and successful – all by 5 O’clock Friday.

It will make people whose days are now filled being too busy or too bored, to even remember what they wanted to achieve when they were starting their career or what activities they want to tick off their bucket list before they kick it, think about how they live their life.

â??The Out Of Office Diary’ explains how to mobilise your lifestyle to achieve more than you ever imagined possible.

Rags to Riches Real Estate Secrets: Growing your Money Tree

by Marty H Cleckler

You want to know the secrets of the wealthiest Americans? Understand what strategies they employ? Ever wonder “how did they do that?” This content-rich book is no bull and no fluff, just real life facts you can use immediately.

Analysing and Optimising Social Media Content

by A E

Social media is nowadays a common and crucial part for organisations. Professionals recommend the usage of social media and often underline their arguments with examples of success stories. Reasons for why social media is beneficial and to what outcomes it may lead are often discussed, such as what points to consider when engaging with it. Unfortunately, there does not exist a clear explanation of how to specifically design social media online resources and how exactly to analyse their effectiveness on users. Statistical data on traffic may indicate success levels, however, they do not translate and the true reasons for success or failure remain unknown. In order to fill this gap, this study discusses an approach for how to analyse the emotional design of a social media resource. The purpose is to present a step-by-step approach of how such an analysis can be performed and how to use the results to successfully design an emotional experience for the social media user.

Jordan’s (2000) Four Pleasure framework for emotional design has been used for that purpose, whereas Petrie Museum’s Blog will be used as an example scenario. A user has been observed during his visit on the Blog and his behaviour such as the emotions and needs have been identified, analysed and applied for a new design of the Blog.

The user has shown positive emotions when reading some parts of the Blog’s content, however, the majority of his emotions were negative. This was mainly caused due to the negatively perceived appearance (i.e. colours, logo, heading, structure, Navigation) of the Blog, some bugs (i.e. repetitive automatic refreshments of tweets and likes) and especially due to his unsatisfied needs and expectations for a non-disturbing, simple and relaxing social media experience.

Research suggested that this module has not been applied on social media before, hence, it may provide a new approach on how to successfully organise social media. The study has shown that the Four Pleasures module is an efficient tool to analyse emotional design of social media resources.

Make Money From Home: How To Make $100 Per Day With Affiliate Marketing

by Larry Williams

“Learn The 7 Step System To Make Over $100 Per Day With Affiliate Marketing Even If You Have Never Made A Single Penny Online”

Affiliate marketing is one of the best and easiest ways to make money online. The problem is the fact that most people have no idea what they are doing. If you want to make over $100 per day with affiliate marketing you need to learn from someone who has already done just that.

In this book I will go over my 7 step system to make $100 per day faster than you ever thought possible from the comfort of your own home!

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