The Behavior Gap

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The Behavior Gap

Carl Richards
The Behavior Gap Book PDF

Author : Carl Richards
Publisher : Penguin
Page : 240 pages
File Size : 46,8 Mb
Release : 2012-01-03
Category : Business & Economics
ISBN : 9781101559550

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The Behavior Gap by Carl Richards Pdf

"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."

The Behavior Gap

Carl Richards
The Behavior Gap Book PDF

Author : Carl Richards
Publisher : National Geographic Books
Page : 0 pages
File Size : 47,7 Mb
Release : 2012-01-03
Category : Business & Economics
ISBN : 9781591844648

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The Behavior Gap by Carl Richards Pdf

"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."

The One-Page Financial Plan

Carl Richards
The One Page Financial Plan Book PDF

Author : Carl Richards
Publisher : Portfolio
Page : 226 pages
File Size : 52,8 Mb
Release : 2015-03-31
Category : Business & Economics
ISBN : 9781591847557

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The One-Page Financial Plan by Carl Richards Pdf

Intends to remove the complexity from investing by encouraging readers to identify deeply personal goals and to use a series of steps to help set up and attain a workable, meaningful financial plan.

Sustainable Consumption and the Attitude-Behavior Gap. Drivers and Barriers

Bea Alexandra Wintschnig
Sustainable Consumption and the Attitude Behavior Gap Drivers and Barriers Book PDF

Author : Bea Alexandra Wintschnig
Publisher : GRIN Verlag
Page : 80 pages
File Size : 44,8 Mb
Release : 2020-10-30
Category : Psychology
ISBN : 9783960959144

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Sustainable Consumption and the Attitude-Behavior Gap. Drivers and Barriers by Bea Alexandra Wintschnig Pdf

Adolescents around the globe are demonstrating for a sustainable future. Businesses, too, increasingly embrace the idea of sustainable economic activities. Sustainability has evolved from a niche topic into a mainstream one. Nevertheless, there still is a discrepancy between people’s attitudes toward sustainable practices and the extent to which they actually act on them. Which drivers and barriers of sustainable consumption exist? What are the reasons for the attitude-behavior gap? Bea Alexandra Wintschnig discusses the necessity of sustainable consumption patterns in practice as a key enabler of a general sustainable development. The variety of identified factors can broadly be subdivided into two categories: individual-related and environmental determinants. The former includes socio- demographics, personal characteristics and value orientation. The environmental determinants comprise product, service or behavior-related factors, such as cost of consumption or stereotypes of sustainable products. Bea Alexandra Wintschnig explains why people seem to talk more about environmental protection than they actually do for it. In this book: - Climate protection; - Sustainability; - Corporate Social Responsibility; - Self-efficacy; - society

How I Invest My Money

Brian Portnoy,Joshua Brown
How I Invest My Money Book PDF

Author : Brian Portnoy,Joshua Brown
Publisher : Harriman House Limited
Page : 200 pages
File Size : 43,9 Mb
Release : 2020-11-17
Category : Business & Economics
ISBN : 9780857198099

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How I Invest My Money by Brian Portnoy,Joshua Brown Pdf

The world of investing normally sees experts telling us the 'right' way to manage our money. How often do these experts pull back the curtain and tell us how they invest their own money? Never. How I Invest My Money changes that. In this unprecedented collection, 25 financial experts share how they navigate markets with their own capital. In this honest rendering of how they invest, save, spend, give, and borrow, this group of portfolio managers, financial advisors, venture capitalists and other experts detail the 'how' and the 'why' of their investments. They share stories about their childhood, their families, the struggles they face and the aspirations they hold. Sometimes raw, always revealing, these stories detail the indelible relationship between our money and our values. Taken as a whole, these essays powerfully demonstrate that there is no single 'right' way to save, spend, and invest. We see a kaleidoscope of perspectives on stocks, bonds, real assets, funds, charity, and other means of achieving the life one desires. With engaging illustrations throughout by Carl Richards, How I Invest My Money inspires readers to think creatively about their financial decisions and how money figures in the broader quest for a contented life. With contributions from: Morgan Housel, Christine Benz, Brian Portnoy, Joshua Brown, Bob Seawright, Carolyn McClanahan, Tyrone Ross, Dasarte Yarnway, Nina O'Neal, Debbie Freeman, Shirl Penney, Ted Seides, Ashby Daniels, Blair duQuesnay, Leighann Miko, Perth Tolle, Josh Rogers, Jenny Harrington, Mike Underhill, Dan Egan, Howard Lindzon, Ryan Krueger, Lazetta Rainey Braxton, Rita Cheng, Alex Chalekian

The Knowing-doing Gap

Jeffrey Pfeffer,Robert I. Sutton
The Knowing doing Gap Book PDF

Author : Jeffrey Pfeffer,Robert I. Sutton
Publisher : Harvard Business Press
Page : 348 pages
File Size : 48,6 Mb
Release : 2000
Category : Business & Economics
ISBN : 1578511240

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The Knowing-doing Gap by Jeffrey Pfeffer,Robert I. Sutton Pdf

The market for business knowledge is booming as companies looking to improve their performance pour millions of pounds into training programmes, consultants, and executive education. Why then, are there so many gaps between what firms know they should do and waht they actual do? This volume confronts the challenge of turning knowledge about how to improve performance into actions that produce measurable results. The authors identify the causes of this gap and explain how to close it.

Gap Creek

Robert Morgan
Gap Creek Book PDF

Author : Robert Morgan
Publisher : Algonquin Books
Page : 369 pages
File Size : 48,6 Mb
Release : 2012-08-21
Category : Fiction
ISBN : 9781616201760

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Gap Creek by Robert Morgan Pdf

A New York Times Bestseller & Oprah's Book Club Pick Young Julie Harmon works “hard as a man,” they say, so hard that at times she’s not sure she can stop. People depend on her to slaughter the hogs and nurse the dying. People are weak, and there is so much to do. At just seventeen she marries and moves down into the valley of Gap Creek, where perhaps life will be better. But Julie and Hank’s new life in the valley, in the last years of the nineteenth century, is more complicated than the couple ever imagined. Sometimes it’s hard to tell what to fear most—the fires and floods or the flesh-and-blood grifters, drunks, and busybodies who insinuate themselves into their new life. To survive, they must find out whether love can keep chaos and madness at bay. Their struggles with nature, with work, with the changing century, and with the disappointments and triumphs of their union make Gap Creek a timeless story of a marriage.

The Character Gap

Christian B. Miller
The Character Gap Book PDF

Author : Christian B. Miller
Publisher : Oxford University Press
Page : 297 pages
File Size : 42,9 Mb
Release : 2018
Category : Philosophy
ISBN : 9780190264222

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The Character Gap by Christian B. Miller Pdf

We like to think of ourselves, our friends, and our families as pretty decent people. We may not be saints, but we are basically good, fairly honest, relatively kind, and mostly trustworthy. 0One of the central themes of 'The Character Gap' is that we are badly mistaken in thinking this way. In recent years, hundreds of psychological studies have been done which tell a rather different story. We have serious character flaws that prevent us from being good people, many of which we do not even recognize in ourselves. Does this mean that instead we are wretched people, vicious, cruel or hateful? Christian Miller does not argue that this is necessarily the case either.

Think, Act, and Invest Like Warren Buffett (PB)

Larry Swedroe
Think Act and Invest Like Warren Buffett PB Book PDF

Author : Larry Swedroe
Publisher : McGraw Hill Professional
Page : 160 pages
File Size : 44,8 Mb
Release : 2014-03-07
Category : Business & Economics
ISBN : 9780071833271

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Think, Act, and Invest Like Warren Buffett (PB) by Larry Swedroe Pdf

Bedrock investing principles for profiting in today’s shaky markets If you wanted to create the next earth-shattering consumer product, Steve Jobs would be an ideal role model to follow. If you planned to become a great golfer, you might look to Arnold Palmer or Jack Nicklaus. So, if your goals were to outperform other investors and achieve your life’s financial goals, what should you do? Think, act and invest like the best investor out there: Warren Buffett. While you can’t invest exactly like he does, Think, Act, and Invest Like Warren Buffett provides a solid, sensible investing approach based on Buffett’s advice regarding investment strategies. When it comes to investing, Director of Research for the BAM Alliance and CBS News blogger Larry Swedroe has pretty much seen it all—and he’s come to the conclusion that simple is better, that adopting basic investing principles always increases an investor’s chance of success and that Buffett is the perfect model for such investing. In Think, Act, and Invest Like Warren Buffett, Swedroe provides the foundational knowledge you need to: Develop a financial plan to help you make rational decisions on a consistent basis Determine the level of risk that’s right for you and allocate your assets accordingly Create a strong portfolio that will weather any economic storm Manage your portfolio—rebalance periodically to maintain proper risk levels The beauty of the Buffett approach is its profound simplicity: follow the basics, keep your cool, and have a sense of humor. The market volatility of recent years has ushered in armies of economists, forecasters and other so-called experts whose job it is to explain how everything works. Somehow, they have managed to muddy the waters even more. The truth is, investing is easier than you think—even in today’s economy. “Complex problems can have simple solutions,” Swedroe writes. Think, Act, and Invest Like Warren Buffett helps you go back to the basics—so you can leap in front of the investing pack. Praise for Think, Act, and Invest Like Warren Buffett: “You could not spend a more profitable hour than reading Larry Swedroe’s wise and lucid investment guide.” —Burton Malkiel, author, A Random Walk Down Wall Street “If you've been wondering why you've had such a hard time investing well, Playing the Winner's Game will diagnose your ills and treat them in just ninety short, delightful pages.” —William Bernstein, author, A Splendid Exchange and The Investor’s Manifesto “Follow the investment strategy advocated by Larry Swedroe, and free yourself to spend your time on life's treasures—like your family and friends!” —William Reichenstein, professor, Baylor University “As someone who teaches a college investments course, I would not have thought it possible to do what Swedroe has done in such a short concise book.” —Edward R. Wolfe, professor of finance, Western Kentucky University “It's amazing. Larry Swedroe managed to pen a magnificent book not only chock full of actionable advice, but one that's fun to read. Get a copy and treat yourself to a better financial future.” —Harold Evensky, president, Evensky & Katz “Larry Swedroe is the undisputed expert in helping investors manage portfolios the smart way. His new book, Playing the Winner’s Game, combines all facets of wealth management in an inspiring and powerful manner.” —Bill Schultheis, author, The New Coffeehouse Investor

Values and Behavior

Sonia Roccas,Lilach Sagiv
Values and Behavior Book PDF

Author : Sonia Roccas,Lilach Sagiv
Publisher : Springer
Page : 255 pages
File Size : 43,8 Mb
Release : 2017-08-09
Category : Psychology
ISBN : 9783319563527

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Values and Behavior by Sonia Roccas,Lilach Sagiv Pdf

What are values? How are they different from attitudes, traits, and specific goals? How do our values influence our behavior, and vice versa? How does our culture and environment impact the relationship between values and behavior? These questions and more are rigorously examined by prominent and emerging scholars in this significant volume Values and Behavior: Taking A Cross Cultural Perspective. Personal values are cognitive representations of abstract, desirable motivational goals that guide the way individuals select actions, evaluate people and events, and explain their actions and evaluations. The unique features of values have implications for their impact on behavior. People are highly satisfied with their values and perceive them as close to their ideal selves. At the same time, however, daily interpersonal interaction reveals that individuals hold different, sometimes opposing, value profiles. These individual differences are even more apparent when individuals from different cultures interact. The collected chapters address the links between values and behavior from a cultural perspective. They review studies conducted in various cultures and discuss culture as a moderator of the relationships between values and behavior. Structurally, part I of the volume discusses what values are and how they should be measure; part II then examines the contents of the relationships between values and behavior in different life-domains, including prosocial behavior, aggression, behavior in organizations and relationships formation. Part III explores some of the moderating mechanisms that relate values to behavior. Taken together, these chapters review and synthesize over twenty years of research on values and behavior, and propose new insights that have important implications for both research and for practice.

DIY Financial Advisor

Wesley R. Gray,Jack R. Vogel,David P. Foulke
DIY Financial Advisor Book PDF

Author : Wesley R. Gray,Jack R. Vogel,David P. Foulke
Publisher : John Wiley & Sons
Page : 231 pages
File Size : 55,9 Mb
Release : 2015-08-31
Category : Business & Economics
ISBN : 9781119071501

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DIY Financial Advisor by Wesley R. Gray,Jack R. Vogel,David P. Foulke Pdf

DIY Financial Advisor: A Simple Solution to Build and Protect Your Wealth DIY Financial Advisor is a synopsis of our research findings developed while serving as a consultant and asset manager for family offices. By way of background, a family office is a company, or group of people, who manage the wealth a family has gained over generations. The term 'family office' has an element of cachet, and even mystique, because it is usually associated with the mega-wealthy. However, practically speaking, virtually any family that manages its investments—independent of the size of the investment pool—could be considered a family office. The difference is mainly semantic. DIY Financial Advisor outlines a step-by-step process through which investors can take control of their hard-earned wealth and manage their own family office. Our research indicates that what matters in investing are minimizing psychology traps and managing fees and taxes. These simple concepts apply to all families, not just the ultra-wealthy. But can—or should—we be managing our own wealth? Our natural inclination is to succumb to the challenge of portfolio management and let an 'expert' deal with the problem. For a variety of reasons we discuss in this book, we should resist the gut reaction to hire experts. We suggest that investors maintain direct control, or at least a thorough understanding, of how their hard-earned wealth is managed. Our book is meant to be an educational journey that slowly builds confidence in one's own ability to manage a portfolio. We end our book with a potential solution that could be applicable to a wide-variety of investors, from the ultra-high net worth to middle class individuals, all of whom are focused on similar goals of preserving and growing their capital over time. DIY Financial Advisor is a unique resource. This book is the only comprehensive guide to implementing simple quantitative models that can beat the experts. And it comes at the perfect time, as the investment industry is undergoing a significant shift due in part to the use of automated investment strategies that do not require a financial advisor's involvement. DIY Financial Advisor is an essential text that guides you in making your money work for you—not for someone else!

The Real Story

Stephen R. Donaldson
The Real Story Book PDF

Author : Stephen R. Donaldson
Publisher : Spectra
Page : 274 pages
File Size : 40,8 Mb
Release : 2009-10-21
Category : Fiction
ISBN : 9780307573858

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The Real Story by Stephen R. Donaldson Pdf

Author of The Chronicles Of Thomas Covenant, one of the most acclaimed fantasy series of all time, master storyteller Stephen R. Donaldson retums with this exciting and long-awaited new series that takes us into a stunningly imagined future to tell a timeless story of adventure and the implacable conflict of good and evil within each of us. Angus Thermopyle was an ore pirate and a murderer; even the most disreputable asteroid pilots of Delta Sector stayed locked out of his way. Those who didn't ended up in the lockup--or dead. But when Thermopyle arrived at Mallory's Bar & Sleep with a gorgeous woman by his side the regulars had to take notice. Her name was Morn Hyland, and she had been a police officer--until she met up with Thermopyle. But one person in Mallorys Bar wasn't intimidated. Nick Succorso had his own reputation as a bold pirate and he had a sleek frigate fitted for deep space. Everyone knew that Thermopyle and Succorso were on a collision course. What nobody expected was how quickly it would be over--or how devastating victory would be. It was common enough example of rivalry and revenge--or so everyone thought. The REAL story was something entirely different. In The Real Story, Stephen R. Donaldson takes us to a remarkably detailed world of faster-than-light travel, politics, betrayal, and a shadowy presence just outside our view to tell the fiercest, most profound story he has ever written.

Running the Room: The Teacher’s Guide to Behaviour

Tom Bennett
Running the Room The Teacher s Guide to Behaviour Book PDF

Author : Tom Bennett
Publisher : John Catt
Page : 273 pages
File Size : 52,8 Mb
Release : 2020-09-28
Category : Education
ISBN : 9781913808198

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Running the Room: The Teacher’s Guide to Behaviour by Tom Bennett Pdf

Good behaviour is the beginning of great learning. All children deserve classrooms that are calm, safe spaces where everyone is treated with dignity. Creating that space is one of the most important things a teacher needs to be able to do. But all too often teachers begin their careers with the bare minimum of training – or worse, none. How students behave, socially and academically, dictates whether or not they will succeed or struggle in school. Every child comes to the classroom with different skills, habits, values and expectations of what to do. There’s no point just telling a child to behave; behaviour must be taught. Behaviour is a curriculum. This simple truth is the beginning of creating a classroom culture where everyone flourishes, pupils and staff. Running the Room is the teacher’s guide to behaviour. Practical, evidence informed, and based on the expertise of great teachers from around the world, it addresses the things teachers really need to know to build the classrooms children need. Bursting with strategies, tips and solid advice, it brings together the best of what we know and saves teachers, new or old, from reinventing the wheels of the classroom. It’s the book teachers have been waiting for.

The Anger Gap

Davin L. Phoenix
The Anger Gap Book PDF

Author : Davin L. Phoenix
Publisher : Cambridge University Press
Page : 303 pages
File Size : 40,6 Mb
Release : 2019-12-26
Category : Political Science
ISBN : 9781108485906

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The Anger Gap by Davin L. Phoenix Pdf

Anger can be a powerful political resource, but it mobilizes black and white Americans differentially to exacerbate political inequality.

The Divide

Matt Taibbi
The Divide Book PDF

Author : Matt Taibbi
Publisher : Scribe Publications
Page : 449 pages
File Size : 51,7 Mb
Release : 2014-04-28
Category : Business & Economics
ISBN : 9781922070968

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The Divide by Matt Taibbi Pdf

A scathing portrait of an urgent new American crisis Over the last two decades, America has been falling deeper and deeper into a statistical mystery. As poverty has gone up, crime rates have come down, but the prison population has doubled. Meanwhile, fraud by the rich wipes out 40 per cent of the world’s wealth — yet the rich get massively richer, and no one goes to jail. In search of a solution, journalist Matt Taibbi discovered the Divide, the seam in American life where two troubling trends — growing wealth-inequality and mass incarceration — come together. Basic rights are now determined by wealth or poverty, allowing the hyper-wealthy to go unpunished, and turning poverty itself into a crime. In The Divide, Taibbi takes us on a galvanising journey through both sides of the justice system. He uncovers the startling looting that preceded the financial collapse, and the story of a whistleblower who got in the way of the largest banks in America, only to find herself in the crosshairs. On the other side of the Divide, he shows how the newly punitive welfare system treats its beneficiaries as thieves, while stop-and-frisk practices have led to people being arrested for standing outside their own homes. Through these astonishing — and enraging — accounts, Taibbi lays bare America’s perverse new standard of justice: a system that devours the lives of the poor, turns a blind eye to the destructive crimes of the wealthy, and implicates us all.