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Feel like a princess when you wear this dazzling pendant styled after the Princess Diana/Kate Middleton Ring! Crafted of 925 Sterling Silver this beautiful pendant comes with a matching cable chain

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Whether you’re a complete investing novice or just confused about all the contradictory advice out there, A Beginner’s Guide to Investing is an accessible guide to growing your money the smart and easy way.

Throw away the get-rich quick schemes that never work and turn off the financial news and it’s constant noise. Whether your dream is protecting your assets in a turbulent market or growing your wealth so that you can retire in style, this book is the blueprint.

You can be a successful investor – really.

Join Ivy Bytes, an innovative start-up dedicated to creating accessible content on crucial issues, and Alex Frey, a lifelong investor and Harvard MBA, as they show you:

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- How to choose an investment account that you can keep for the rest of your life
- How to out-perform the vast majority of professional investors while taking less risk
- How to quickly create a portfolio of diversified ETFs (exchange traded funds)
- How to put in as few as three to five hours every year on your investing – and still beat 80% of investors
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- Why your financial adviser and mutual fund manager might be getting more rich than you off of your investments
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About the Authors

Alex Frey has been engrossed in the investing world since the age of 16. He has served previously as a research analyst for a major mutual fund company. Alex has successfully passed all three Chartered Financial Analyst examinations, and has an MBA from the Harvard Business School. He lives in San Francisco, CA. When he is not writing, he enjoys reading, investing, and doing just about anything outdoors.

Ivy Bytes is an innovative start-up building authoritative, yet accessible guides to subjects in the fields of politics, current events, economics, and finance. Ivy Bytes books are thoroughly researched and extensively fact-checked, so that you can be sure you are getting the latest in mainstream thought – not misguided conspiracy theories or reckless self-promotion.

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Bull Street is the story of Richard Blum, a naïve, young Wall Streeter who gives a jaded billionaire the chance for redemption, as they team up to bring down an insider trading ring before they wind up in jail or dead.

Excerpts from Trojan Horse, The Gravy Train and Vaccine Nation, David Lender’s other thrillers, follow the text of Bull Street.

Product Description

Bull Street is the story of Richard Blum, a naïve, young Wall Streeter who gives a jaded billionaire the chance for redemption, as they team up to bring down an insider trading ring before they wind up in jail or dead.

A Q&A with David Lender

Question: In Bull Street it is often hard to know who the bad guys are from the good. Many characters appear to be using similar tactics to different ends. Was this always your intention? Can you tell us a little more about your characters?

David Lender: I intentionally wanted to create characters with internal conflicts, questionable ethics and suspect motives. It was part of creating a world where even the good guys use sharp-elbowed tactics, and allegiances can shift from deal to deal. As Jack Grass says at one point, “You need a high tolerance for ambiguity to work on Wall Street.” At its core, the novel is about integrity: keeping it and even redeeming oneself after losing it. Wall Street is a perfect backdrop for such a story, since the characters are entrusted with billions of dollars and are in powerful enough positions to take advantage of that situation. It makes it easy to cross the line.

Q: Considering your background and the subject matter of this book, what are your thoughts on the current financial situation in the US? What problems would you fix first and how?

DL: As a believer in free markets and our capitalist system, I’m naturally skeptical of regulation. On the other hand, I think one of the things that got us in trouble in the financial crisis was doing away with the Depression-era regulations that separated banks from investment banks. Once we allowed depositary institutions to combine with proprietary trading houses, traders were allowed to make risky bets with depositors’ money. I don’t know if it’s possible to put that genie back in the bottle, but we should. Another issue we need to address is leverage. Too much of it got us into trouble, and new capital rules for banks are partially addressing this. But at the government level it’s a problem, too, and getting worse, as witnessed by the federal budget fiasco and downgrade of US debt in 2011. We need to start living within our means.

Q: I have read that you worked for 25 years on Wall Street, what made you decide to start writing?

DL: I always wanted to be a novelist. I made up my mind to do it about 15 years ago when my investment banking career was in full swing. I just muscled it into my schedule, getting up at 5 a.m., writing for an hour and then going to my day job, like most aspiring writers. I outlined or edited scenes on planes, in cabs or in hotel rooms. I write because I love it, but also because I got to the point where I could no longer ignore the compulsion to do so.

Q: You must draw a lot of inspiration from your time on Wall Street. Where else do you find inspiration?

DL: Sometimes it’s someone in my life. Dani North, the protagonist of Vaccine Nation, was inspired by my fiancé, Manette, and her work as a documentary filmmaker. Elmore Leonard is one of my favorite authors, and reading his stuff frequently gives me ideas. Sometimes it’s just throwing ideas around with friends.

Q: What kind of books do you read, and what authors have influenced you?

DL: Thrillers. What else? Thriller writers who have influenced me are Elmore Leonard, Graham Greene, Frederick Forsyth, John LeCarre, John Grisham (although I don’t think he’s ever gotten close to The Firm again), Robert Ludlum, Ken Follett, and Thomas Harris.

Q: What books do you read over and over again?

DL: I think F. Scott Fitzgerald’s The Great Gatsby is the great American novel. I read it every year or so. Elmore Leonard is the contemporary author I most admire. Out of Sight is his best, with Get Shorty a close second. Nobody does dialog or backstory like him. I’ll also never stop returning to Hemingway’s The Sun Also Rises, Forsythe’s The Day of the Jackal (it may be the best thriller ever written), Le Carre’s Tinker, Tailor, Soldier, Spy and Smiley’s People, and Graham Green’s Our Man in Havana.

Bull Street is the story of Richard Blum, a naïve, young Wall Streeter who gives a jaded billionaire the chance for redemption, as they team up to bring down an insider trading ring before they wind up in jail or dead.

Excerpts from Trojan Horse, The Gravy Train and Vaccine Nation, David Lender’s other thrillers, follow the text of Bull Street.

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