A proven way to put together a portfolio that enhances performance and reduces risk Professor Craig Israelsen of Brigham Young University is an important voice in the area of asset allocation. The reason? He keeps things simple. Now, in 7Twelve, he shows you how to do the same, and demonstrates how his approach to investing can help you grow your money as well as protect it. 7Twelve outlines a multi-asset balanced portfolio that is a logical starting point when assembling a portfolio-either as the blueprint for the entire portfolio or as a significant building block. Page by page, he will show you how to create a balanced portfolio utilizing multiple asset classes to enhance performance and reduce risk. Discusses how the 7Twelve portfolio includes seven core asset classes and utilizes twelve specific mutual funds or exchange traded funds Details the tax efficiency of this specific investment approach Shows you how to use the 7Twelve portfolio as a pre-retirement accumulation portfolio or a post-retirement distribution portfolio If you want to build a well-balanced, multi-asset portfolio, 7Twelve is the book for you.

With all of our focus on assets - and how much and when to allocate them - are we missing the bigger picture? Our book begins by reviewing the historical performance record of popular assets like stocks, bonds, and cash. We look at the impact inflation has on our money. We then start to examine how diversification through combining assets, in this case a simple stock and bond mix, works to mitigate the extreme drawdowns of risky asset classes. But we go beyond a limited stock/bond portfolio to consider a more global allocation that also takes into account real assets. We track 13 assets and their returns since 1973, with particular attention to a number of well-known portfolios, like Ray Dalio's All Weather portfolio, the Endowment portfolio, Warren Buffett's suggestion, and others. And what we find is that, with a few notable exceptions, many of the allocations have similar exposures. And yet, while we are all busy paying close attention to our portfolio's particular allocation of assets, the greatest impact on our portfolios may be something we fail to notice altogether...

When twelve-year-old Izzy discovers a beat-up baseball marked with the words "Because magic" while unpacking in yet another new apartment, she is determined to figure out what it means. What secrets does this old ball have to tell? Her mom certainly isn't sharing anyespecially when it comes to Izzy's father, who died before Izzy was born. But when she spends the summer in her Nana's remote New Mexico village, Izzy discovers long-buried secrets that come alive in an enchanted landscape of watermelon mountains, whispering winds, and tortilla suns. Infused with the flavor of the southwest and sprinkled with just a pinch of magic, this heartfelt middle grade debut is as rich and satisfying as Nana's homemade enchiladas.

This exciting middle-grade adventure is Hoot for the Gilded Age—with scientific discoveries, secret plots, and surprisingly enormous fauna. When his asthma lands him at a health resort in the wilds of Gilded Age South Florida, twelve-year-old Algie Emsworth is over the moon. The scientific treasure trove of unexplored swamps may launch his dream career as a naturalist. But even Algie is startled when he happens upon a brand-new species and her brood in the karst springs surrounding the resort. Algie quickly realizes he must keep his discovery a secret: a famous collector of exotic animals is also staying at the hotel, and the new species is threatened by his very presence. An apparent curse has also descended upon the hotel, bringing with it a deadly red tide. But when the pool starts filling with ink and guests start getting mysterious, sucker-shaped wounds, Algie must pluck up his courage to find the truth about the goings-on at the Grand Hotel—and save the new species from destruction.

Livvie isn’t superstitious like her best friend, Joyce, who thinks everything is bad luck. So Livvie isn’t worried about tearing up the chain letter and throwing it away–until she’s humiliated in gym class, falls down her back stairs, and gets invited to Thanksgiving dinner at Peter Finch’s house. Peter’s dad has crooked teeth, a plastic wonderland in his front yard, and some kind of secret up in his study. There is no way Livvie wants Phil Finch to date her mom. But it’s hard work keeping their families apart–especially when Livvie is assigned to work on the sixth-grade snow maze project with Peter. Clearly, Joyce was right: breaking the chain was a huge mistake. And the only way to set things straight is to find out who sent the letter in the first place. . . . Rich in humor and suspense, Julie Schumacher’s absorbing novel is about friendship, choices, and the kind of luck that really matters.

If you have an employer-sponsored pension plan, you're among the lucky few. Traditional pensionsin which retirees were guaranteed an income for lifeare a thing of the past. They've been replaced by 401(k) and IRA plans that shift the burden of building and managing a retirement nest egg to the employee. The scary part is that most of us are woefully unprepared to handle this responsibility. That's where Your Nest Egg Game Plan comes in. Using simple language, the authors provide an easy-to-implement framework to design an investment program that will provide the benefits of a traditional pension planwhile offering the flexibility that retirees and pre-retirees demand. Rather than touting individual stock picks, painting doom or gloom scenarios, or focusing on the number, the authors take a broad look at all aspects of investing and income generation.

"Stunning. . . . a bit like if you took Charlie and the Chocolate Factory and Monsters Inc. and shoved them in a TARDIS."—Buzzfeed It’s a tentacled, inventive, gooey, world in there. . . . Elliot Von Doppler and his friend Leslie think nothing ever happens in Bickleburgh, except inside the gleaming headquarters of DENKi-3000—the world’s eighth-largest electronics factory. Beneath the glass towers and glittering skywalks, there's a rambling old mansion from which all the company’s amazing inventions spring forth. And no one except Uncle Archie knows what’s behind the second-to-last door at the end of the hall. Until Elliot and Leslie are invited to take a glimpse inside. They find stooped, troll-like creatures with jutting jaws and broken teeth. Tiny winged things that sparkle as they fly. And huge, hulking, hairy nonhumans (with horns). It is unlike anything they’ve ever seen. But when Chuck Brickweather threatens to shut down the DENKi-3000 factory if a new product isn’t presented soon, the creatures know they are in danger. And when Uncle Archie vanishes, it’s up to Elliot, Leslie, and every one of the unusual, er, “employees” to create an invention so astonishing it will save the Creature Department.