Everything you thought you knew about saving, managing risk, and securing your financial future has changed. The world is very different in the wake of the biggest financial crisis since the Great Depression. Retirement accounts have been eviscerated, risk appetites diminished, and questions raised about age-old personal finance strategies such as "buy and hold" and the efficacy of relying heavily on stock mutual funds.In The Wall Street Journal Guide to the New Rules of Personal Finance, Dave Kansas offers guidelines for understanding the new regulations for finance firms, the rising importance of international investing, and the very different environment that now exists for home buyers. With valuable chapters on debt reduction, diversification, retirement planning, real estate, commodities, and other vital topics, this essential volume is designed to help the individual determine which tenets of an investing strategy remain sound and which deserve re-examination. It is the ultimate guide to profitably investing your money in a world that has fundamentally changed.

Chronicling the rise and fall of the efficient market theory and the century-long making of the modern financial industry, Justin Fox's The Myth of the Rational Market is as much an intellectual whodunit as a cultural history of the perils and possibilities of risk. The book brings to life the people and ideas that forged modern finance and investing, from the formative days of Wall Street through the Great Depression and into the financial calamity of today. It's a tale that features professors who made and lost fortunes, battled fiercely over ideas, beat the house in blackjack, wrote bestselling books, and played major roles on the world stage. It's also a tale of Wall Street's evolution, the power of the market to generate wealth and wreak havoc, and free market capitalism's war with itself.The efficient market hypothesis long part of academic folklore but codified in the 1960s at the University of Chicago has evolved into a powerful myth. It has been the maker and loser of fortunes, the driver of trillions of dollars, the inspiration for index funds and vast new derivatives markets, and the guidepost for thousands of careers. The theory holds that the market is always right, and that the decisions of millions of rational investors, all acting on information to outsmart one another, always provide the best judge of a stock's value. That myth is crumbling.Celebrated journalist and columnist Fox introduces a new wave of economists and scholars who no longer teach that investors are rational or that the markets are always right. Many of them now agree with Yale professor Robert Shiller that the efficient markets theory represents one of the most remarkable errors in the history of economic thought. Today the theory has given way to counterintuitive hypotheses about human behavior, psychological models of decision making, and the irrationality of the markets. Investors overreact, underreact, and make irrational decisions based on imperfect data. In his landmark treatment of the history of the world's markets, Fox uncovers the new ideas that may come to drive the market in the century ahead.

In Boundaries for Leaders, clinical psychologist and bestselling author Dr. Henry Cloud leverages his expertise of human behavior, neuroscience, and business leadership to explain how the best leaders set boundaries within their organizations--with their teams and with themselves--to improve performance and increase employee and customer satisfaction. In a voice that is motivating and inspiring, Dr. Cloud offers practical advice on how to manage teams, coach direct reports, and instill an organization with strong values and culture. Boundaries for Leaders: Take Charge of Your Business, Your Team, and Your Life is essential reading for executives and aspiring leaders who want to create successful companies with satisfied employees and customers, while becoming more resilient leaders themselves.

A lot of people talk about how great it is to start a business, but only Ben Horowitz is brutally honest about how hard it is to run one.In The Hard Thing About Hard Things, Ben Horowitz, cofounder of Andreessen Horowitz and one of Silicon Valley's most respected and experienced entrepreneurs, draws on his own story of founding, running, selling, buying, managing, and investing in technology companies to offer essential advice and practical wisdom for navigating the toughest problems business schools don't cover. His blog has garnered a devoted following of millions of readers who have come to rely on him to help them run their businesses. A lifelong rap fan, Horowitz amplifies business lessons with lyrics from his favorite songs and tells it straight about everything from firing friends to poaching competitors, from cultivating and sustaining a CEO mentality to knowing the right time to cash in.His advice is grounded in anecdotes from his own hard-earned rise from cofounding the early cloud service provider Loudcloud to building the phenomenally successful Andreessen Horowitz venture capital firm, both with fellow tech superstar Marc Andreessen (inventor of Mosaic, the Internet's first popular Web browser). This is no polished victory lap; he analyzes issues with no easy answers through his trials, including demoting (or firing) a loyal friend; whether you should incorporate titles and promotions, and how to handle them; if it's OK to hire people from your friend's company; how to manage your own psychology, while the whole company is relying on you; what to do when smart people are bad employees; why Andreessen Horowitz prefers founder CEOs, and how to become one; whether you should sell your company, and how to do it. Filled with Horowitz's trademark humor and straight talk, and drawing from his personal and often humbling experiences, The Hard Thing About Hard Things is invaluable for veteran entrepreneurs as well as those aspiring to their own new ventures.

What happens when a renowned river guide teams up with the CEO of one of the largest and least Earth-friendly corporations in the worldWhen it's former Wal-Mart CEO H. Lee Scott and white-water expert turned sustainability consultant Jib Ellison, the result is nothing less than a green business revolution.Wal-Mart long the target of local businesses, labor advocates, and environmentalists who deplore its outsourced, big-box methods has embraced an unprecedented green makeover, which is now spreading worldwide. The retail giant that rose from Sam Walton's Ozarks dime store is leveraging the power of 200 million weekly customers to drive waste, toxics, and carbon emissions out of its stores and products. Neither an act of charity nor an empty greenwash, Wal-Mart's green move reflects its river guide's simple, compelling philosophy: that the most sustainable, clean, energy-efficient, and waste-free company will beat its competitors every time. Not just in some distant, utopian future but today. From energy conservation, recycling, and hybrid trucks to reduced packaging and partnerships with environmentalists it once met only in court, Wal-Mart has used sustainability to boost its bottom line even in a tough economy belying the age-old claim that going green kills jobs and profits. Now the global apparel business, the American dairy industry, big agriculture, and even Wall Street are following Wal-Mart's lead, along with the 100,000 manufacturers whose products must become more sustainable to remain on Wal-Mart's shelves. Here Pulitzer Prize winner and bestselling author Edward Humes charts the course of this unlikely second industrial revolution, in which corporate titans who once believed profit and planet must be at odds are learning that the best business just may be a force of nature.

Reengineering has captured the imagination of managers and shareholders alike, sending corporations on journeys of radical business redesign that have already begun to transfigure global industry. Yet aside from earning them improvements in their business performance, the shift into more-process-centered organizations is causing fundamental changes in the corporate world, changes that business leaders are only now beginning to understand. What will the revolutions final legacy beBeyond Reengineering addresses this question, exploring reengineering's effects on such areas as: Jobs: What does process-centering do to the nature of jobsWhat does a process-centered workplace feel likeManagers: What is the new role of the manager in a process-centered companyEducation: What skills are vital in the process-centered working world, and how can young or inexperienced workers prepareSociety: What are the implications of process-centering for employment and the economy as a wholeInvestment: What are the characteristics of a successful 21st-century corporationAn informed look at one of the most profound changes to ever sweep the corporate world, Beyond Reengineering is the business manual for the 21st century.

Generation Ageless an authoritative and eye-opening look at the past, present, and future of Baby Boomers Think Baby Boomers are all alikeThink again. This dynamic generation is nearing the traditional age of retirement, but is in no mood to slow down. Learn how to market, sell to, do business with, or just understand this remarkable generation, from Yankelovich, Inc., the organization that knows them better than anyone else. Yankelovich actually coined the term "Baby Boomer" back in the late 1960s, when they first started collecting data on this influential generation. Now, more than thirty years later, they have the most complete information on Boomers ever assembled. And they have put it all together in this groundbreaking look at America's largest and most powerful generation. In Generation Ageless, Yankelovich president J. Walker Smith, Ph.D., and senior partner Ann Clurman, Boomers themselves, dig deep into what makes this generation tick. With fresh, original data and a wide-ranging look at everything about Boomers, they dissect Boomers into six major segments Straight Arrows, Due Diligents, Maximizers, Sideliners, Diss/Contenteds, and Re-Activists to provide new insights into the world's most talked-about generation. The results show key imperatives invaluable to anyone selling a product, service, or idea to this 78-million strong group.Boomers are the dominant generation in America. Their values and aspirations set the tone for everyone. Advances in medicine and health mean that this youth-obsessed generation is now focused on an everlasting prime of life. They are literally middle age less: holding onto their position at the top of the pyramid for as long as possible, and not fading away to their golden years. Today's fifty- and sixty-year-old Boomers are not eagerly anticipating lives of disengaged retirement. Instead, middle age less Boomers expect another twenty or thirty years of impact and influence albeit in a variety of ways reflective of a surfeit of agendas and ambitions they have yet to fulfill.

Middle-class couples are working harder than ever. So why are they finding it more difficult to finance their homes, send their kids to college, and save toward retirement?Couples who are strapped for time and weighed down by costly fixed expenses need more than a personal finance pep talk: They need a plan. In The Big Payoff, CNBC correspondent Sharon Epperson lays out a nuts-and-bolts program that couples of all ages can use to realize their financial dreams. From stretching your budget and investing wisely in your home to protecting your family's money and building wealth over the years, The Big Payoff offers a concise bounty of precious information and practical steps toward financial wellness.Epperson begins by showing couples how to communicate better about money. She helps them realize that the same qualities needed to create a lasting relationship understanding, compromise, and patience are vital when it comes to building a secure financial future. Every important decision couples make, whether it's buying a home, having kids, changing jobs, or preparing for retirement, will inevitably involve a discussion about money, and Epperson teaches them how to handle finances with a cool hand while keeping the marriage vibrant and healthy. In addition, she empowers couples to take money matters into their own hands and shows them that by taking control of their finances, they can stop fretting about cash and start focusing on the important things in life.Each of the following chapters is designed to get partners talking and thinking about their financial life together. In eight easy-to-understand steps, Epperson unpacks the various options for saving money; creating emergency, retirement, and college savings plans; investing in a home; choosing the right life and health insurance; and drafting an estate plan. A wife and mother of two herself, Epperson knows a thing or two about the pitfalls of financial planning and doses her advice with plenty of humorous anecdotes, hard-earned experience, and down-to-earth language. Additionally, through helpful worksheets and exercises, The Big Payoff helps readers customize a plan that will work best for them and reap the most payback.It's never too late or too early to start, and now is the best time to start planning. Whether you are newlyweds or fast-approaching retirement, just starting a family or soon to be empty-nesters, this book is for you. After working hard to provide for your family, the reward of discovering your financial strength will be the peace of mind to enjoy your marriage, your family, and the rest of your lives together.

Whether it was a Ginsu knife, George Foreman Grill, Tony Robbins' motivational book, kitchen device by Ron Popeil, or any of the countless other famous products that have been marketed on infomercials over the years, admit it: you or someone you know has bought one and you're not alone. Last year, one out of every three Americans picked up the phone and ordered a product from a television infomercial or home shopping network, and in But Wait . . . There's More! journalist (and infomercial addict) Remy Stern offers a lively, behind-the-scenes exploration of this enormous business one that markets the world's most outrageous products using the most outrageous tactics. Don't let the kitschy exterior fool you: behind the laughable demonstrations, goofy grins, and cheesy dialogue lies an industry larger than the film and music industries combined. The first book of its kind, But Wait . . . There's More! exposes the never-before-told story of the infomercial and home shopping phenomenon in all its excessive glory and its meteoric rise to become one of the most profitable businesses in America. Along the way, Stern details the history behind the classic products and introduces readers to some of the most famous (and infamous) pitchmen and personalities in the business, including Tony Robbins, Billy Mays, Ron Popeil, Tony Little, Suzanne Somers, Kevin Trudeau, and Joe Francis. He also presents an in-depth look at the business behind the camera the canny sales strategies, clever psychological tools, and occasionally questionable tactics marketers have used to get us to open up our wallets and spend, spend, spend.Stern's eye-opening account also offers a penetrating look at how late-night television conquered the American consumer and provides insight into modern American culture: our rampant consumerism, our desire for instant riches, and our collective dream of perfect abs, unblemished skin, and gleaming white teeth. Both a compelling business story and a thoroughly entertaining piece of investigative journalism (with a touch of muckraking and social satire), But Wait . . . There's More! will ensure that you never look at those too-good-to-be-true deals the same way again.

Money can Buy You HappinessIn Die Broke Stephen Pollan introduced a new radical new strategy for spending, saving, and investing money in today's financial market.In Live Rich, he now concentrates on the earning side--with the compelling observation that living rich has less to do with net worth and everything to do with freedom. You can live the life you want by adhering to the four tenets of the Live Rich philosophy: Make Money Too many of us have been fed the line that "work isn't necessarily about making money." Tell that to Visa next time they send you a bill. Don't Grow, Change Be ready to change your work paradigm on a moment's notice, to morph from career to career several times as conditions--and you--change. Take Charge In the twenty-first century, you must become proactive and start taking measured risks. Become a Mercenary Think for yourself as a free agent, responsible for your own security and always on the lookout for the next great job. Live Rich With Stephen Pollan's revolutionary workplace ideals, as well as a detailed action plan, you can apply this philosophy to every facet of your life and truly Live Rich.

What is Your Collaborative Intention?James W. Tamm and Ronald J. Luyet provide tools that will increase your ability to collaborate. You will learn to be more aware of others and how to problem-solve and negotiate. Collaborative skills have never been more important, and these skills are absolutely necessary for today's workplace.Radical Collaboration is a how-to-manual for anyone who wants to create trusting, collaborative environments, and transform groups into motivated and empowered teams.It is an eye-opener for leaders, managers, HR professionals, agents, trainers, and consultants who are seeking constructive ways of getting the results they want.

Three-time New York Times bestselling author Dan Ariely teams up with legendary The New Yorker cartoonist William Haefeli to present an expanded, illustrated collection of his immensely popularWall Street Journal advice column, “Ask Ariely”. Behavioral economist Dan Ariely revolutionized the way we think about ourselves, our minds, and our actions in his books Predictably Irrational, The Upside of Irrationality, and The Honest Truth about Dishonesty. Ariely applies this scientific analysis of the human condition in his “Ask Ariely” Q & A column in the Wall Street Journal, in which he responds to readers who write in with personal conundrums ranging from the serious to the curious: What can you do to stay calm when you’re playing the volatile stock market What’s the best way to get someone to stop smoking How can you maximize the return on your investment at an all-you-can-eat buffet Is it possible to put a price on the human soul Can you ever rationally justify spending thousands of dollars on a RolexIn Ask Ariely, a broad variety of economic, ethical, and emotional dilemmas are explored and addressed through text and images. Using their trademark insight and wit, Ariely and Haefeli help us reflect on how we can reason our way through external and internal challenges. Readers will laugh, learn, and most importantly gain a new perspective on how to deal with the inevitable problems that plague our daily life.

More than ten years after his first bestselling book The EMyth changed the lives of hundreds of thousands of small business owners Michael Gerber trepreneur author and speaker extraordinaire res the next salvo in his highly successful EMyth Revolution. Drawing on lessons learned from working with more than 15000 small medium sized and very large organisations Gerber has discovered the truth behind why management doesn't work and what to do about it. Unearthing the arbitrary origins of commonly held doctrines such as the omniscience of leader (Emperor) and the most widely embraced myth of all EMyth Manager offers a fresh provocative alternative to management as we know it. It explores why every manager must take charge of his own life reconcile his own personal vision with that of the organisation and develop an entrepreneurial mind set to achieve true success.

Seven business innovators and the empires they built. The pre eminent business historian of our time Richard S. Tedlow examines seven great CEOs who successfully managed cutting edge technology and formed enduring corporate empires. With the depth and clarity of a master Tedlow illuminates the minds lives and strategies behind the legendary successes of our times: . George Eastman and his invention of the Kodak camera; . Thomas Watson of IBM; . Henry Ford and his automobile; . Charles Revson and his use of television advertising to drive massive sales for Revlon; . Robert N. Noyce co inventor of the integrated circuit and founder of Intel; . Andrew Carnegie and his steel empire; . Sam Walton and his unprecedented retail machine Wal Mart.

Let's say you're about to hire somebody for a position in your company. Your corporation wants someone who's fearless, charismatic, and full of new ideas. Candidate X is charming, smart, and has all the right answers to your questions. Problem solved, rightMaybe not.We'd like to think that if we met someone who was completely without conscience -- someone who was capable of doing anything at all if it served his or her purposes -- we would recognize it. In popular culture, the image of the psychopath is of someone like Hannibal Lecter or the BTK Killer. But in reality, many psychopaths just want money, or power, or fame, or simply a nice car. Where do these psychopaths goOften, it's to the corporate world. Researchers Paul Babiak and Robert Hare have long studied psychopaths. Hare, the author of Without Conscience, is a world-renowned expert on psychopathy, and Babiak is an industrial-organizational psychologist. Recently the two came together to study how psychopaths operate in corporations, and the results were surprising. They found that it's exactly the modern, open, more flexible corporate world, in which high risks can equal high profits, that attracts psychopaths. They may enter as rising stars and corporate saviors, but all too soon they're abusing the trust of colleagues, manipulating supervisors, and leaving the workplace in shambles.Snakes in Suits is a compelling, frightening, and scientifically sound look at exactly how psychopaths work in the corporate environment: what kind of companies attract them, how they negotiate the hiring process, and how they function day by day. You'll learn how they apply their "instinctive" manipulation techniques -- assessing potential targets, controlling influential victims, and abandoning those no longer useful -- to business processes such as hiring, political command and control, and executive succession, all while hiding within the corporate culture. It's a must read for anyone in the business world, because whatever level you're at, you'll learn the subtle warning signs of psychopathic behavior and be able to protect yourself and your company -- before it's too late.

In this gripping and colorful account of the American dream gone astray, Lewis Pinault provides the essential guidelines on how to get ahead and an enlightening perspective on the brutal infighting that can engulf even the most civilized consulting firm. This stunning expose of some of the most prestigious and respected names in the business leads you into a world where a client's interests are skillfully subordinated to those of the consultants, where money rules the day, and where principles and morals are unwelcome baggage.Humorous and insightful, this no-holds-barred account takes you behind the scenes of the dehumanizing indoctrination of an academic intellectual into an exploitative -- and exploited -- "global transformation contractor." Featuring new material dealing with the e-consulting industry's boom, bust, and its future, Consulting Demons offers the most complete look at an industry that exacts the highest prices for the most questionable standards of success.

Integrity more than simple honesty, it's the key to success. A person with integrity has the ability to pull everything together, to make it all happen no matter how challenging the circumstances. Drawing on experiences from his work, Dr. Henry Cloud, a clinical psychologist, leadership coach, corporate consultant and nationally syndicated radio host, shows how our character can keep us from achieving all we want to (or could) be. In Integrity, Dr. Cloud explores the six qualities of character that define integrity, and how people with integrity: Are able to connect with others and build trust Are oriented toward reality Finish well Embrace the negative Are oriented toward increase Have an understanding of the transcendent Integrity is not something that you either have or don't, but instead is an exciting growth path that all of us can engage in and enjoy.

There is no doubt that we are in the middle of a transition to a knowledge-based economy. Breakthrough technologies in microelectronics, biotechnology, new materials, telecommunications, robotics, and computers are fundamentally changing the game of creating wealth. While these new industries are growing explosively, existing industries such as banking and retail are being transformed beyond recognition. As a result, a new global economy is emerging to replace existing national economies.What will it take for individuals, companies, and entire countries to succeed in the new economics of the twenty-first centuryRather than focusing on spending, Lester C. Thurow argues that we must emphasize investment in basic knowledge, education, and infrastructure. Only by committing ourselves to building communal wealth can we maximize opportunities for building personal wealth as well. Building Wealth is an indispensable guide to surviving -- and thriving -- in the economies of the twenty-first century.

The commercial and cultural explosion of the digital age may have been born in California's Silicon Valley, but it reached its high point of riotous, chaotic exuberance in New York City from 1995 to 2000 in the golden age of Silicon Alley. In that short stretch of time a generation of talented, untested twentysomethings deluged the city, launching thousands of new Internet ventures and attracting billions of dollars in investment capital. Many of these young entrepreneurs were entranced by the infinite promise of the new media; others seemed more captivated by the promise of infinite profits. The innovations they launched from online advertising to 24-hour Webcasting propelled both the Internet and the tech-stock boom of the late '90s. And in doing so they sent the city around them into a maelstrom of brainstorming, code-writing, fundraising, drugs, sex, and frenzied hype . . .until April 2000, when the NASDAQ zeppelin finally burst and fell at their feet. In the pages of Digital Hustlers, Alley insiders Casey Kait and Stephen Weiss have captured the excitement and excesses of this remarkable moment in time. Weaving together the voices of more than fifty of the industry's leading characters, this extraordinary oral history offers a ground-zero look at the birth of a new medium. Here are entrepreneurs like Kevin O'Connor of DoubleClick, Fernando Espuelas of StarMedia, and Craig Kanarick of Razorfish; commentators like Omar Wasow of MSNBC and Jason McCabe Calacanis of the Silicon Alley Reporter; and inimitable Alley characters like party diva Courtney Pulitzer and Josh Harris, the clown prince of Pseudo.com. Together they describe a world of sweatshop programmers and paper millionaires, of cocktail-napkin business plans and billion-dollar IPOs, of spectacular successes and flame-outs alike. Candid and open-eyed, bristling with energy and argument, Digital Hustlers is an unforgettable group portrait of a wildly creative culture caught in the headlights of achievement.

A global-innovation expert offers a new perspective on how consumers think and how to develop products and services that affect their everyday lives.Who are your next customers not just the ones you are serving today but the ones you'll need three, five, or ten years from nowHow do you figure out what goods and services will attract them in the future before your competitors do?According to Jan Chipchase whom Fast Company has called the James Bond of design research and Fortune has called the Indiana Jones of technology for the developing world most of the clues are right in front of us. The key is learning to see the ordinary in a revolutionary new way. As the executive creative director of Global Insights at frog, an award-winning global design and innovation company, Chipchase draws on everyday objects and patterns to show us how to see the world differently, from making a phone call to filling up a gas tank to ascertaining whether it's actually half-and-half you're pouring into your coffee. Chipchase is always looking for opportunities gaps, anomalies, and contradictions that will give his clients, some of the world's largest and most successful companies, a distinct competitive advantage, whether they're delivering the most low-tech bar of soap or the most high-tech wireless network.In Hidden in Plain Sight, Chipchase takes readers on his journeys around the globe and shares his methods for identifying the unmet needs of customers. No matter where he stops whether Cleveland or Kabul his goals are the same: to spot and decode the routines of daily life and to help readers use the very same tools that he and his team use to see, and capitalize upon, what is hidden in plain sight today to create businesses tomorrow.

Why do some projects deliver under budget and ahead of schedule, while others cost more and take longer than expectedMore important, which products work better: the quick and thrifty or the slow and expensive?In a story-filled blend of quirky pop culture and practical engineering insight, Dan Ward's F.I.R.E. answers those questions and more. Ward's extensive research and firsthand experience show how the world's top technologists consistently deliver best-in-class results on shoestring budgets and cannonball schedules, and using skeleton crews.This remarkable book will make you laugh, make you think, and equip you to leverage the power of constraints. Discover the secrets of F.I.R.E. and learn how to:Build strategies for speed that enhance accountability and ensure your products are well aligned with the market's needs.Design your organizations, products, and processes with thrift in mind, solving problems with intellectual capital, not financial capital.Unleash the power of small budgets and small teams, using short schedules, short meetings, and short documents.Streamline your designs and cut through unnecessary, unproductive layers of bureaucracy.But this is not just a book about how to win. With unflinching candor, Ward shows how the F.I.R.E. method, even when followed wisely and well, can result in a flop. Taking a deep look at several negative outcomes, he shows how to make failures optimal rather than epic.F.I.R.E. provides strategic concepts for leaders, decision-making principles for managers, and practical tools for people working on anything from spacecraft and fighter jets to websites and children's toys. Technology professionals and curious amateurs alike will come away with a deeper understanding of effective product design. Plus, there's a funny story about a dishwasher that just may change the way you buy major appliances.