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F. Mora J: Vacuna contra la estupidez
financiera

Vacuna contra la estupidez financiera

¡El tiempo de riqueza empezó!

Nicole will show you how to have a kid financially, how to raise that kid, and how to manage your newfound promotion to Mom status without going broke or insane.

The Guide to Generational Wealth

Rich Mom

Straordinariamente

Gribaudo

Instant finance. La finanza e l'economia semplici, comprensibili, indispensabili. Per tutti

Steuerpflichtig oder nicht?
Die Antwort auf diese Frage hängt von zwei wesentlichen Punkten ab:
<ul>
<li>Liegen Ihre Einkünfte über dem Grundfreibetrag?</li>
<li>Seit wann sind Sie im Ruhestand?</li>
</ul>

Schrittweise leitet Sie dieser Ratgeber durch die Berechnung Ihres zu versteuernden Einkommens und gibt Hilfestellung bei Ihrer Steuererklärung.

<ul>
<li>Wichtige steuerliche Änderungen</li>
<li>Haushaltsnahe Beschäftigungsverhältnisse und Dienstleistungen</li>
<li>Sonderausgaben (z. B. Kirchensteuer, Spenden)</li>
<li>Außergewöhnliche Belastungen (z. B. Krankheitskosten, Pflegeaufwendungen)</li>
</ul>

Für Ihre Steuererklärung 2026

Steuerratgeber für Rentner und Ruhestandsbeamte - Ausgabe 2027

Do you feel like no matter how hard you work, real financial freedom always stays just out of reach?
Are you looking for a clear, proven system to build wealth that doesn't require a finance degree or a six-figure salary?
Do you want to finally understand how money truly works and start making it work for you?
If you answered YES to at least one of these questions, you MUST KEEP READING... 

Unlock the Forgotten Principles of Wealth and Take Control of Your Financial Future
Most people spend their entire lives earning, spending, and wondering where it all went. The frustration of living paycheck to paycheck, drowning in debt, or watching others build wealth while you stay in the same place can feel crushing. It's no surprise that so many people give up on financial goals, stuck in a cycle of bad habits and outdated advice that keeps them broke.
But don't despair-you're not alone in this journey... 
Presenting: Lost Laws of Money 
This book is the result of years of research into the timeless wealth principles that the financially free have always known-but that most people were never taught. Inspired by the struggles of everyday people who feel trapped by their finances, it provides a straightforward system to build and grow wealth without needing Wall Street connections or complex investment strategies. Instead, it focuses on the forgotten laws, mindset shifts, and practical steps that separate the wealthy from everyone else. 

Imagine this...
Picture yourself checking your bank account with confidence instead of anxiety. With each decision, you're building momentum-growing your savings, eliminating debt, and watching your money multiply. Whether you're starting from zero, digging out of a hole, or ready to take your finances to the next level, you'll feel the power of finally understanding the rules of the game everyone else missed. 
Don't wait any longer-your transformation starts now.

Lost Laws Of Money

You don't need a million-dollar budget or a team of scientists to live a long, vibrant life. What if the secret to longevity is actually within reach for all of us?

We are living in the golden age of longevity science. Yet, the mainstream narrative is often dominated by extreme protocols and highly clinical interventions that are entirely inaccessible to the average person. Furthermore, these approaches often ignore a glaring reality: adding decades to your physical lifespan is a disaster if you lack the mental resilience to enjoy those years or the financial resources to survive them.

In The Longevity Triad, Gary D. Fitts offers a powerful, pragmatic, and holistic roadmap designed for the real world. This is the "every-person" guide to maximizing not just your lifespan, but your healthspan, your independence, and your purpose.
Instead of viewing longevity as a purely physical equation requiring perfect optimization, Fitts introduces a systems-based approach built on three interconnected pillars that cannot survive without one another:

The Physical Pillar
Discover sustainable, practical habits to build biological resilience. Learn how to thrive in the chaotic environment of everyday life without sacrificing the simple, spontaneous pleasures of being human.

The Mental Pillar
A long life requires a sharp, adaptable mind. Uncover strategies to maintain cognitive capability, cultivate a strong sense of purpose, and build the emotional anti-fragility necessary to weather life's inevitable storms.

The Financial Pillar
This is the critical missing link in modern longevity advice. Physical health is severely compromised if a financial collapse strips you of your independence at age eighty. Learn the foundational rules of financial longevity to ensure your wealth outlasts your extended lifespan.

The Longevity Triad is your blueprint for building a resilient future-mind, body, and bank account.

About the Author
Gary D. Fitts is a passionate advocate dedicated to democratizing longevity science. Writing from the perspective of an everyday person, he bridges the gap between complex anti-aging research and practical, real-world living.

A Practical Guide to Building a Strong Body, a Sharp Mind, and a Secure Future

The Longevity Triad

Part life philosophy, part financial clarity, and part real-world wisdom from a hugely popular estate planning attorney who has seen what happens when families plan and when they don't. I'm Sorry I'm Dead helps readers confront the reality of life's end, not in a morbid way, but in a deeply empowering one. Estate planning attorney, entrepreneur, and best-selling author Pamela Maass Garrett aka Law Mother has helped thousands of families navigate what happens when someone dies. She has seen firsthand that the biggest problems families face are rarely legal: they are emotional, relational, and the result of decisions never made . . . siblings that stop speaking over a dispute about their parent's home, a grieving widow locked out of bank accounts because she didn't know how to get access, and families forced to guess about critical medical decisions. All of these problems can be easily avoided. In this book, Garrett introduces a powerful mindset shift: when you face the end of life honestly, you begin living more intentionally today. Through compelling stories from real families, practical financial insights, and simple decision-making frameworks, readers learn how to take control of their lives before circumstances take control of them. The book guides readers through the most important life decisions most people avoid: · how to organize finances and build real wealth · how to protect loved ones legally and emotionally · how to make difficult family decisions before crisis strikes · how to prevent conflict, confusion, and regret after death · how to create a legacy that strengthens future generations rather than unintentionally burdening them with a huge tax bill · what you really can and can't do Rather than overwhelming readers with technical legal details, I'm Sorry I'm Dead offers a clear philosophy and practical tools for making the decisions that matter most. The result is a life lived with greater clarity, stronger relationships, and the peace of knowing the people you love will be protected. This book is for anyone who wants to stop drifting through life and start deciding it.

Estate Planning for Peace of Mind, Protection and a Life Well Lived

I’m Sorry I’m Dead . . . Now What?

'Ich bin fest davon überzeugt, dass Jim Rohn ein außergewöhnlicher Mensch ist, dessen Philosophie die Lebensqualität jedes Einzelnen verbessern kann.' Tony Robbins
 
 Wie Sie die Quellen von Glück, Wohlstand und Zufriedenheit in Ihnen entfesseln.
 
 Sie müssen sich nicht zwischen Reichtum und Glück entscheiden - beide entspringen derselben Quelle des Überflusses. In diesem Buch entdecken Sie die sieben wesentlichen Strategien, die Sie für Ihren Erfolg benötigen: 
 
<ul>
 <li>Entfesseln Sie die Kraft der Ziele.</li>
 <li>Streben Sie nach Wissen.</li>
 <li>Lernen Sie das Wunder der persönlichen Entwicklung kennen.</li>
 <li>Kontrollieren Sie Ihre Finanzen.</li>
 <li>Meistern Sie die Zeit.</li>
 <li>Umgeben Sie sich mit Gewinnern.</li>
 <li>Lernen Sie die Kunst, gut zu leben.</li>
</ul>Die Philosophie von Jim Rohn hat Millionen Menschen geholfen, ihr Leben zum Besseren zu verändern. Finden Sie heraus, was er für Sie tun kann!
 
 Jim Rohn (1930 - 2009) war mehr als 40 Jahre lang weltweit als Motivationsredner und 
 -trainer aktiv und hatte entscheidenden Einfluss auf die Entwicklung von Motivationstraining und Motivations-Coaching. Viele bekannte Motivationstrainer und Autoren, darunter Tony Robbins, Brian Tracy, T. Harv Eker oder Jack Canfield, erkennen den Einfluss von Rohns Arbeit auf ihre Karrieren an.

'Ich bin fest davon überzeugt, dass Jim Rohn ein außergewöhnlicher Mensch ist, dessen Philosophie die Lebensqualität jedes Einzelnen verbessern kann.'
 Tony Robbins 
 Wie Sie die Quellen von Glück, Wohlstand und Zufriedenheit in Ihnen entfesseln.

 
 Sie müssen sich nicht zwischen Reichtum und Glück entscheiden - beide entspringen derselben Quelle des Überflusses. In diesem Buch entdecken Sie die sieben wesentlichen Strategien, die Sie für Ihren Erfolg benötigen: 

 <ul><li>Entfesseln Sie die Kraft der Ziele.</li><li>Streben Sie nach Wissen.</li><li>Lernen Sie das Wunder der persönlichen Entwicklung kennen.</li><li>Kontrollieren Sie Ihre Finanzen.</li><li>Meistern Sie die Zeit.</li><li>Umgeben Sie sich mit Gewinnern.</li><li>Lernen Sie die Kunst, gut zu leben.</li></ul>
 Die Philosophie von Jim Rohn hat Millionen Menschen geholfen, ihr Leben zum Besseren zu verändern. Finden Sie heraus, was er für Sie tun kann!

 
 Jim Rohn (1930 - 2009) war mehr als 40 Jahre lang weltweit als Motivationsredner und 

 
 -trainer aktiv und hatte entscheidenden Einfluss auf die Entwicklung von Motivationstraining und Motivations-Coaching. Viele bekannte Motivationstrainer und Autoren, darunter Tony Robbins, Brian Tracy, T. Harv Eker oder Jack Canfield, erkennen den Einfluss von Rohns Arbeit auf ihre Karrieren an.

Kraftvolle Ideen von Amerikas führendem Wirtschaftsphilosophen

7 Strategien für Glück & Wohlstand

Master Essential Money Skills for Lifelong Financial Success

Money and Wealth as a Young Adult From the Ground Up

Create Long-Term Wealth Through Smarter Daily Decisions

Building Wealth Through Smart Money Habits That Last

Opportunity Zones offer one of the most powerful tax-advantaged investment strategies in the US tax code. And with the passage of the One Big Beautiful Bill Act, the program has been made permanent.

OZ 2.0 brings big changes: permanent status, tighter eligibility rules, expanded incentives for rural investments, and a simpler deferral timeline.

But the real advantage is what you can do with Opportunity Zones. As an investor, you can turn capital gains into long-term, tax-advantaged wealth. As a developer or sponsor, you can raise capital for new deals. And along the way, you can back the projects that transform communities-and your portfolio.

Unlike a 1031 exchange, Opportunity Zone investments allow you to defer taxes on any type of capital gain-not just real estate.

If you're considering Opportunity Zones, you probably have questions:
How do I find a good Opportunity Zone investment?
How do I start a Qualified Opportunity Fund?
What are the compliance requirements and deadlines?
What changed with OZ 2.0?
How much can I really save on taxes?



The Opportunity Zones Playbook is the definitive guide to one of the most powerful-and most misunderstood-strategies in the US tax code. Featuring a foreword by US Senator Tim Scott, the architect of the Opportunity Zones policy, this comprehensive playbook answers all of these questions, and many more.

Jimmy Atkinson-founder of OpportunityZones.com and host of The Opportunity Zones Podcast-draws on nearly a decade of experience to translate the complexities of Opportunity Zone investing into clear, actionable strategy. Built on hundreds of interviews with fund managers, developers, attorneys, and CPAs, it's a clear, practical guide for investors, sponsors, and the advisors who serve them.

Emily Lavery, senior vice president at Fulcrum Public Affairs, calls it "an essential resource for anyone seeking to understand, structure, and invest in Opportunity Zones with confidence and clarity."

Michael Episcope, co-CEO of Origin Investments, says, "Jimmy remains the most trusted voice in the industry."

This book is for:
Real estate developers
GPs, fund managers, and capital raisers
Attorneys, CPAs, and industry consultants
Investors with capital gains
Family offices



Whether you've just realized a major capital gain, you're a developer weighing an OZ project, a sponsor preparing to launch a Qualified Opportunity Fund, or an attorney or accountant serving clients in the new OZ 2.0 era, this book gives you the framework, the tools, and the confidence to act.

This is your playbook to build wealth, fund deals, and master Opportunity Zones.

Master the OZ Tax Incentive to Build Wealth, Fund Deals, and Create Impact

The Opportunity Zones Playbook

From sleeping in a car at twenty-one to advising on billion-dollar deals, Devon Coombs built the financial system most people are never taught.

The tools don't change. Just the zeros.

The 10 Laws of Finance is a real-world education in money, business, and freedom for anyone who has ever opened their banking app and wondered where it all went. Whether you're working two jobs and falling further behind, deciding if a stable salary is worth what it costs you, weighing a startup offer against a steady paycheck, or sitting on a high income and wondering why you still feel out of control, the laws in this book scale to whatever your numbers are.

Author Devon Coombs lays out the same ten principles he used to climb from homelessness and ten thousand dollars of debt to advising on multibillion-dollar transactions at Google Cloud-and then used again to walk away from a $400,000+ compensation package, decline job offers approaching a million dollars, and design a life on his own terms with his wife and daughter. They are the same principles he now teaches in a college classroom and runs against his own family's balance sheet every month.

Every chapter pairs lived experience with a usable tool. No shortcuts, no get-rich promises-only the system Coombs wishes someone had handed him in that parking lot, written so it works whether there's $60 or $60 billion at stake.

For readers of Rich Dad Poor Dad, The Psychology of Money, I Will Teach You to Be Rich, Your Money or Your Life, and The Total Money Makeover-and for everyone who was told that getting the degree, getting the job, and following the rules would be enough.

Devon Coombs, CPA, MBA, is a teaching professor of finance at Santa Clara University and a strategic advisor to founders, CFOs, and CAOs. He previously served as controller for Google Cloud Marketplace and a finance subject-matter expert for Google Cloud's AI Deals Desk. He lives in San José with his wife and daughter.

The 10 Laws of Finance

Dive into the world of Ripple and its native digital asset with The XRP Army: A Comprehensive Guide to Cryptocurrency. As one of the most prominent and hotly debated digital currencies, XRP has built a massive, dedicated community and established itself as a leader in revolutionizing global finance. This comprehensive guide provides everything you need to know to understand, evaluate, and navigate the XRP ecosystem.
Inside this book, you'll discover: ¿ The Fundamentals of XRP and Ripple - Understand the crucial differences between the Ripple technology company and the XRP ledger, and how they work together to facilitate lightning-fast global payments. ¿ The Power of the XRP Army - Explore the passionate and vocal community behind XRP, how they drive adoption, and their impact on the broader cryptocurrency market. ¿ Cross-Border Payments &amp; Banking Integration - Learn how XRP is designed to bridge traditional financial institutions with the future of digital finance, drastically reducing transaction costs and settlement times. ¿ Navigating the Regulatory Landscape - Gain insights into the legal and regulatory challenges facing XRP and what these landmark cases mean for the future of the cryptocurrency industry. ¿ Investment Strategies &amp; Market Trends - Discover practical insights on how to assess XRP's value, manage investment risks, and diversify your crypto portfolio safely.
Whether you're a newcomer to the crypto space or a seasoned investor looking to deepen your understanding of Ripple's unique ecosystem, this book equips you with the knowledge to navigate the market confidently. Explore the future of global finance with The XRP Army.

A Comprehensive Guide to Cryptocurrency

The XRP Army

Vacuna contra la estupidez financiera

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