The Behavior Gap

Author: Carl Richards
Editor: Penguin
ISBN: 1101559551
Size: 15,27 MB
Format: PDF, ePub
Read: 489
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"It's not that we're dumb. We're wired to avoid pain and pursue pleasure and security. It feels right to sell when everyone around us is scared and buy when everyone feels great. It may feel right-but it's not rational." -From The Behavior Gap Why do we lose money? It's easy to blame the economy or the financial markets-but the real trouble lies in the decisions we make. As a financial planner, Carl Richards grew frustrated watching people he cared about make the same mistakes over and over. They were letting emotion get in the way of smart financial decisions. He named this phenomenon-the distance between what we should do and what we actually do-"the behavior gap." Using simple drawings to explain the gap, he found that once people understood it, they started doing much better. Richards's way with words and images has attracted a loyal following to his blog posts for The New York Times, appearances on National Public Radio, and his columns and lectures. His book will teach you how to rethink all kinds of situations where your perfectly natural instincts (for safety or success) can cost you money and peace of mind. He'll help you to: • Avoid the tendency to buy high and sell low; • Avoid the pitfalls of generic financial advice; • Invest all of your assets-time and energy as well as savings-more wisely; • Quit spending money and time on things that don't matter; • Identify your real financial goals; • Start meaningful conversations about money; • Simplify your financial life; • Stop losing money! It's never too late to make a fresh financial start. As Richards writes: "We've all made mistakes, but now it's time to give yourself permission to review those mistakes, identify your personal behavior gaps, and make a plan to avoid them in the future. The goal isn't to make the 'perfect' decision about money every time, but to do the best we can and move forward. Most of the time, that's enough." From the Hardcover edition.

The Smart Financial Advisor

Author: Bill Martin CFA
Editor: Harriman House Limited
ISBN: 0857195840
Size: 13,97 MB
Format: PDF
Read: 374
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Lifestyle Medicine Third Edition

Author: James M. Rippe
Editor: CRC Press
ISBN: 1351781006
Size: 17,26 MB
Format: PDF, Docs
Read: 436
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The field of lifestyle medicine, which is the study of how daily habits and actions impact on both short- and long-term health and quality of life, continues to expand globally. The scientific and medical literature that supports the success of these lifestyle habits and actions is now overwhelming. Thousands of studies provide evidence that regular physical activity, maintenance of a health body weight, following sound nutritional practices, stress reduction, and other good practices all profoundly impact both health and quality of life. Following its predecessors, Lifestyle Medicine, Third Edition, is edited by lifestyle medicine pioneer, cardiologist Dr. James Rippe. This edition has been thoroughly updated and represents the expert opinions of 20 section editors as well as more than 150 expert chapter authors whose knowledge span all aspects of this emerging discipline. Topics cover lifestyle medicine practices including regular physical activity, proper nutrition, and weight management. These principles are applied to the prevention and or treatment of a wide variety of chronic conditions ranging from heart disease and diabetes to cancer, mental health, addiction, and injury prevention. This book serves as evidence base for individuals who wish to practice lifestyle medicine or incorporate some of its principles into either general medicine or subspecialty practice. It provides valuable information to healthcare workers in the fields of nutrition, exercise physiology, psychology, behavioral medicine, health promotion, and public policy where lifestyle medicine principles play an ever-increasing role.

Exercise Psychology

Author: Heather Hausenblas
Editor: Jones & Bartlett Publishers
ISBN: 1449672167
Size: 16,36 MB
Format: PDF, Docs
Read: 780
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Written for the upper-level undergraduate and graduate-level courses in exercise psychology and behavioral physical activity, Exercise Psychology: The Psychology of Physical Activity and Sedentary Behavior focuses on the psychological effects of physical activity in a variety of special populations. The first text of its kind to focus on both the psychology of exercise and sedentary behavior, it provides a strong theoretical and applied focus to the field, and includes interesting vignettes and critical thinking activities to engage readers in the learning process. With an engaging, student-friendly approach, the authors provide complete and comprehensive information that examines research on behavioral physical activity and translating research into practice. The text also looks at sedentary behavior and the recent paradigm shift examining the health effects of sedentary behavior.

Personal Benchmark

Author: Charles Widger
Editor: John Wiley & Sons
ISBN: 1118963326
Size: 17,44 MB
Format: PDF, Mobi
Read: 831
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The Myth Of The Ethical Consumer Hardback With Dvd

Author: Timothy M. Devinney
Editor: Cambridge University Press
ISBN: 052176694X
Size: 10,79 MB
Format: PDF, ePub
Read: 845
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A no-holds-barred examination of 'ethical' consumerism.

The One Page Financial Plan

Author: Carl Richards
Editor: Penguin
ISBN: 0698184564
Size: 15,49 MB
Format: PDF, ePub
Read: 203
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Whenever I tell people about my job as a financial advisor, the conversation inevitably turns to how hopeless they feel when it comes to dealing with money. More than once, they’ve begged, “Just tell me what to do.” It’s no surprise that even my most successful friends feel confused or paralyzed. Even if they have a shelfful of personal finance books, they don’t have time to make sense of all the information available. They don’t just want good advice, they want the best advice—so rather than do the “wrong thing,” they do nothing. Their 401(k) and bank statements pile up, unexamined or maybe even unopened. What they don’t realize is that bad calls about money aren’t failures; they’re just what happens when emotional creatures have to make decisions about the future with limited information. What I tell them is that we need to scrap striving for perfection and instead commit to a process of guessing and making adjustments when things go off track. Of course we’re going to make the best guesses we can—but we’re not going to obsess over getting them exactly right. The fact is, in a single page you can prioritize what you really want in life and figure out how to get there. That’s because a great financial plan has nothing to do with what the markets are doing, what your real estate agent is pitching, or the hot stock your brother-in-law told you about. It has everything to do with what’s most important to you. By now you may be wondering, “What about the details? How much do I need to invest each year, and how do I allocate it? How much life insurance do I need?” Don’t worry: I’ll cover those topics and many more, sharing strategies that will take the complexity out of them. The most important thing is getting clarity about the big picture so you can cope with the unexpected. Maybe you’ll lose the job you thought was secure; you’ll take a financial risk that doesn’t pan out; you’ll have twins when you were only budgeting for one. In other words: Life will happen. But no matter what happens, this book will help you bridge the gap between where you are now and where you want to go.

Readings In Curriculum

Author: Kimball Wiles
Editor:
ISBN:
Size: 16,47 MB
Format: PDF, ePub
Read: 656
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Simple Heuristics In A Social World

Author: Ralph Hertwig
Editor: Oxford University Press
ISBN: 0199729247
Size: 12,72 MB
Format: PDF, ePub
Read: 737
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Simple Heuristics in a Social World invites readers to discover the simple heuristics that people use to navigate the complexities and surprises of environments populated with others. The social world is a terrain where humans and other animals compete with conspecifics for myriad resources, including food, mates, and status, and where rivals grant the decision maker little time for deep thought, protracted information search, or complex calculations. Yet, the social world also encompasses domains where social animals such as humans can learn from one another and can forge alliances with one another to boost their chances of success. According to the book's thesis, the undeniable complexity of the social world does not dictate cognitive complexity as many scholars of rationality argue. Rather, it entails circumstances that render optimization impossible or computationally arduous: intractability, the existence of incommensurable considerations, and competing goals. With optimization beyond reach, less can be more. That is, heuristics--simple strategies for making decisions when time is pressing and careful deliberation an unaffordable luxury--become indispensible mental tools. As accurate as or even more accurate than complex methods when used in the appropriate social environments, these heuristics are good descriptive models of how people make many decisions and inferences, but their impressive performance also poses a normative challenge for optimization models. In short, the Homo socialis may prove to be a Homo heuristicus whose intelligence reflects ecological rather than logical rationality.