With this book, extreme couponing expert Joni Meyer-Crothers explains precisely how she has managed to save thousands by clipping coupons, using them wisely and never paying full retail price for any product. She reveals what basic items you should never pay for (toothpaste, toothbrushes, razors, pasta, etc.), and teaches readers techniques to obtain coupons that do not cost a penny and turn them around to save big on groceries, cleaning items, hygienic supplies, and many other household products.
Learn the basics of couponing, maximizing your savings, and thinking outside of the box when it comes to how you shop. With Extreme Couponing, there’s no reason to pay full price for the things you need in life.
This deluxe edition of this classic work, includes a 21st century study guide filled with practices and exercises that will help you be all that you are capable of, as you fill your conscious and subconscious mind, heart, and soul, with positive energy and life-enhancing ideas. Start your journey of self-discovery and be on your way to accumulating all of the riches that you desire.
Learn how to acquire money, keep it, and put it to work to make even more money.
It's one of the bestselling financial books of all time, having sold millions of copies, and now you can put it to work for you!
For more than three decades, millions of consumers have trusted The Pill Book to provide official, FDA-approved information on more than 1,800 of the most commonly prescribed drugs in the United States with guidelines from leading pharmacists. Each drug is profiled in a concise, readable, easy-to-understand entry, making The Pill Book the perfect reference when you have questions about the medications your doctor prescribes. Inside you’ll discover
• generic and brand-name listings that can help you save money
• What each drug is for, and how it works
• usual dosages, and what to do if a dose is skipped
• side effects and possible adverse reactions, highlighted for quick reference
• interactions with other drugs and food
• overdose and addiction potential
• alcohol-free and sugar-free medications
• the most popular self-injected medications and their safe handling
• information for seniors, pregnant and breast-feeding women, children, and others with special needs
• cautions and warnings, and when to call your doctor
• 32 pages of actual-size color photographs of prescription pills*
No home should be without this book!
*Not all ereading devices will show the images in color and at the exact size.
Tony Robbins is one of the most revered writers and thinkers of our time. People from all over the world—from the disadvantaged to the well-heeled, from twenty-somethings to retirees—credit him for giving them the inspiration and the tools for transforming their lives. From diet and fitness, to business and leadership, to relationships and self-respect, Tony Robbins’s books have changed people in profound and lasting ways. Now, for the first time, he has assembled an invaluable “distillation of just about every good personal finance idea of the last forty years” (The New York Times).
Based on extensive research and interviews with some of the most legendary investors at work today (John Bogle, Warren Buffett, Paul Tudor Jones, Ray Dalio, Carl Icahn, and many others), Tony Robbins has created a 7-step blueprint for securing financial freedom. With advice about taking control of your financial decisions, to setting up a savings and investing plan, to destroying myths about what it takes to save and invest, to setting up a “lifetime income plan,” the book brims with advice and practices for making the financial game not only winnable—but providing financial freedom for the rest of your life. “Put MONEY on your short list of new books to read…It’s that good” (Marketwatch.com).
Have you ever wondered why some people seem to get rich easily, while others are destined for a life of financial struggle? Is the difference found in their education, intelligence, skills, timing, work habits, contacts, luck, or their choice of jobs, businesses, or investments?
The shocking answer is: None of the above!
In his groundbreaking Secrets of the Millionaire Mind, T. Harv Eker states: "Give me five minutes, and I can predict your financial future for the rest of your life!" Eker does this by identifying your "money and success blueprint." We all have a personal money blueprint ingrained in our subconscious minds, and it is this blueprint, more than anything, that will determine our financial lives. You can know everything about marketing, sales, negotiations, stocks, real estate, and the world of finance, but if your money blueprint is not set for a high level of success, you will never have a lot of money—and if somehow you do, you will most likely lose it! The good news is that now you can actually reset your money blueprint to create natural and automatic success.
Secrets of the Millionaire Mind is two books in one. Part I explains how your money blueprint works. Through Eker's rare combination of street smarts, humor, and heart, you will learn how your childhood influences have shaped your financial destiny. You will also learn how to identify your own money blueprint and "revise" it to not only create success but, more important, to keep and continually grow it.
In Part II you will be introduced to seventeen "Wealth Files," which describe exactly how rich people think and act differently than most poor and middle-class people. Each Wealth File includes action steps for you to practice in the real world in order to dramatically increase your income and accumulate wealth.
If you are not doing as well financially as you would like, you will have to change your money blueprint. Unfortunately your current money blueprint will tend to stay with you for the rest of your life, unless you identify and revise it, and that's exactly what you will do with the help of this extraordinary book. According to T. Harv Eker, it's simple. If you think like rich people think and do what rich people do, chances are you'll get rich too!
Sethi covers how to save time by not wasting it managing money; the guns and cars myth of credit cards; how to negotiate like an Indian--the conversation begins with "no"; why "Budgeting Doesn't Have to Suck!"; how to get things rolling--for real--with only $20; what most people don't understand about taxes; how to get a CEO to take you out to lunch; how to avoid the Super Mario Brothers trap by making your savings work harder than you do; the difference between cheap and frugal; the hidden relationship between money and food. Not to mention his first key lesson: Getting started is more important than being the smartest person in the room. Integrated with his website, where readers can use interactive charts, follow up on the latest information, and join the community, it is a hip blueprint to building wealth and financial security.
Every month, 175,000 unique visitors come to Ramit Sethi's website, Iwillteachyoutoberich.com, to discover the path to financial freedom. They praise him thoughtfully ("Your site summarizes everything I want with my life--to be rich in finances, rich in experience, rich in family blessings," Dan Esparza) and effusively ("Dude, you rock. I love this site!" Richard Wu). The press has caught on, too: "Ramit Sethi is a rising star in the world of personal finance writing . . . one singularly attuned to the sensibilities of his generation. his style is part frat boy and part silicon Valley geek, with a little bit of San Francisco hipster thrown in" (San Francisco Chronicle). His writing is smart, his voice is full of attitude, and his ideas are uncommonly sound and refreshingly hype-free.
Best-selling author and radio host Dave Ramsey is your personal coach in this informative and interactive companion to the highly successful New York Times bestseller The Total Money Makeover. With inspiring real-life stories and thought-provoking questionnaires, this workbook will help you achieve financial fitness as you daily work out those newly defined money muscles. Ramsey will motivate you to immediate action, so you can:Set up an emergency fund (believe me, you're going to need it) Pay off your home mortgage?it is possible. Prepare for college funding (your kids will love you for it) Maximize your retirement investing so you can live your golden years in financial peace Build wealth like crazy!
With incentive exercises that really do exercise your spending and saving habits, Ramsey will get your mind and your money working to make your life free of fiscal stress and strain. It's a no-nonsense plan that will not only make over your money habits, but it will also completely transform your life.
Investing in the stock market is a great way to build your wealth, but for those of us who aren't professional stockbrokers, knowing what information to trust and where to put your money can seem overwhelming. Stock Market Investing for Beginners provides you with the strategic advice and knowledge necessary to make informed investment decisions. Equipping you with everything you need to take control of your financial future, Stock Market Investing for Beginners removes the guesswork from investing.
Stock Market Investing for Beginners gives you the tools to start investing wisely and successfully, with:A Comprehensive Overview covering the fundamentals of stock market investing Strategic Advice on buying, selling, owning, and diversifying Invaluable Tips on building your financial portfolio through stock market investing
“As a financial advisor, I recommend this book to anyone wanting to learn the Wall Street stock market game and build wealth.”—Cheryl D. Broussard, reader and financial advisor
Learn how to make the best of your investment with Stock Market Investing for Beginners.
In this new edition of Financial Peace, Ramsey has updated his tactics and philosophy to show even more readers:how to get out of debt and stay outthe KISS rule of investing—"Keep It Simple, Stupid"how to use the principle of contentment to guide financial decision makinghow the flow of money can revolutionize relationships
With practical and easy to follow methods and personal anecdotes, Financial Peace is the road map to personal control, financial security, a new, vital family dynamic, and lifetime peace.
The Money Book for the Young, Fabulous & Broke is financial expert Suze Orman's answer to a generation's cry for help. They're called "Generation Debt" and "Generation Broke" by the media — people in their twenties and thirties who graduate college with a mountain of student loan debt and are stuck with one of the weakest job markets in recent history. The goals of their parents' generation — buy a house, support a family, send kids to college, retire in style — seem absurdly, depressingly out of reach. They live off their credit cards, may or may not have health insurance, and come up so far short at the end of the month that the idea of saving money is a joke. This generation has it tough, without a doubt, but they're also painfully aware of the urgent need to take matters into their own hands.
The Money Book was written to address the specific financial reality that faces young people today and offers a set of real, not impossible solutions to the problems at hand and the problems ahead. Concisely, pragmatically, and without a whiff of condescension, Suze Orman tells her young, fabulous & broke readers precisely what actions to take and why. Throughout these pages, there are icons that direct readers to a special YF&B domain on Suze's website that offers more specialized information, forms, and interactive tools that further customize the information in the book. Her advice at times bucks conventional wisdom (did she just say use your credit card?) and may even seem counter-intuitive (pay into a retirement fund even though your credit card debt is killing you?), but it's her honesty, understanding, and uncanny ability to anticipate the needs of her readers that has made her the most trusted financial expert of her day.
Over the course of ten chapters that can be consulted methodically, step-by-step or on a strictly need-to-know basis, Suze takes the reader past broke to a secure place where they'll never have to worry about revisiting broke again. And she begins the journey with a bit of overwhelmingly good news (yes, there really is good news): Young people have the greatest asset of all on their side — time.
The most up-to-date information about the more than 1,800 most commonly prescribed drugs in the United States:
• Generic and brand-name listings that can help you save money
• What the drug is for, and how it works
• Usual dosages, and what to do if a dose is skipped
• Side effects and possible adverse reactions, highlighted for quick reference
• Interactions with other drugs and food
• Overdose and addiction potential
• Alcohol-free and sugar-free medications
• The most popular self-injected medications and their safe handling
• Information for seniors, pregnant and breast-feeding women, children, and others with special needs
• Cautions and warnings, and when to call your doctor
• 32 pages of actual-size color photographs of prescription pills
From the Trade Paperback edition.
Suze Orman investigates the complicated, dysfunctional relationship women have with money in this groundbreaking new book. With her signature mix of insight, compassion, and soul-deep recognition, she equips women with the financial knowledge and emotional awareness to overcome the blocks that have kept them from making more out of the money they make. At the center of the book is The Save Yourself Plan—a streamlined, five-month program that delivers genuine long-term financial security. But what’s at stake is far bigger than money itself: It’s about every woman’s sense of who she is and what she deserves, and why it all begins with the decision to save yourself.
Join the Movement to Save Yourself with this Unprecedented Offer to Readers of Women & Money:
Suze Orman believes that having an account of your own is the cornerstone of long-term financial security, and so she has begun a national movement called Save Yourself to turn this wish—that every woman have an account in her own name—into a reality. She is joined in this crusade by the financial brokerage firm TD Ameritrade, which has come up with an extraordinary offer for readers of WOMEN & MONEY. Follow Suze’s Save Yourself Plan and open an account in your name with TD Ameritrade. Commit to an automatic deposit of at least $50 per month for twelve consecutive months, and TD Ameritrade will provide the incentive in the form of a $100 deposit into your account in the thirteenth month. In other words, you save $600 or more over the course of a year, and TD Ameritrade will reward that effort with a $100 bonus. Learn more inside the book or at www.saveyourself.com.
Offer valid for one new TD AMERITRADE account (non-retirement) opened between 2/27/07 and 3/31/08, and funded by 12 monthly consecutive automatic electronic deposits of $50 or more. First $50 must be deposited within 30 days of opening account. To be eligible, you must be a U.S. resident aged 18 or older. See www.saveyourself.com for obligations and limitations and to accept this offer. This is not an offer or solicitation in any jurisdiction where TD AMERITRADE is not authorized to do business. Random House, Inc., does not endorse, is not associated with, and has no responsibility for the TD AMERITRADE offer. TD AMERITRADE, Random House, Inc., and Suze Orman are separate and not affiliated, and each of them is not responsible for the services and information provided by the other(s). TD AMERITRADE, Inc., member NASD/SIPC.
By making smart personal finance choices now, you can build a solid foundation for your family and your future. Personal Finance Simplified will show you, step by step, how to understand your personal finance needs, plan for your future, and create a budget that will bring you security and peace of mind. With helpful tips for saving money in the short term and long term, and straight talk on how to manage your debt, savings, investments, and major purchases, Personal Finance Simplified can help you at every stage of your life, from graduating college, to changing careers, to growing your family, to retirement.
Personal Finance Simplified will introduce you to the fundamentals of managing money, with:
• Easy guide to creating a personal budget
• 10 simple ways to reduce your spending
• 5 stages of getting out of debt
• 3 questions to help you get real about your personal finance options
• Tips on banking, buying a home, and filing taxes from the editors of Personal Finance Simplified
Personal Finance Simplified will help you take control of your cash flow once and for all.
The fact that KISS is one of the most successful rock bands in the world is no accident. From the beginning Gene Simmons and Paul Stanley had a clear-cut vision of what they wanted to do and how they wanted to operate KISS as a business well before they ever first took the stage. Since deciding with Paul to manage the band themselves, Simmons has proved himself to be a formidable businessman, having sold over 100 million CDs and DVDs worldwide, overseen over 3,000 licensed merchandise items, and starred in the longest running celebrity reality show to date. More impressive is that he handles all of his business ventures on his own—no personal assistant, few handlers, and as little red tape as possible.
In Me, Inc., Simmons shares a lifetime of field-tested and hard-won business advice that will provide readers with the tools needed to build a solid business strategy, harness the countless tools available in the digital age, network like hell, and be the architect for the business entity that is you. Inspired by The Art of War, the book dispenses Simmons’ in-depth insights via thirteen specific principles for success based on his own experience, triumphs, and instructional failures in business—from finding the confidence within yourself that’s necessary to get started, to surrounding yourself with the right people to partner with and learn from, to knowing when to pull the plug and when to double-down. These thirteen principles are a skeleton key into a world of success, freedom, peace of mind and, most importantly, financial success.
Bestselling author Randy Alcorn introduced readers to a revolution in material freedom and radical generosity with the release of the original The Treasure Principle in 2001. Now the revision to the compact, perennial bestseller includes a provocative new concluding chapter depicting God asking a believer questions about his stewardship over material resources.
Jesus spent more time talking about money and possessions than about heaven and hell combined. But too often we’ve overlooked or misunderstood his most profound teaching on this topic, from his words in Matthew 6. Jesus offers us life-changing investment advice. He actually wants us to store up treasures for ourselves—just not here on earth. Instead, he urges us to store our treasure in heaven, where they will await us, and last forever. We can’t take it with us—but we can send it on ahead!
Readers are moved from the realms of thoughtful Bible exposition into the highly personal arena of everyday life. Because when Jesus told His followers to “lay up for yourselves treasures in heaven,” He intended that they discover an astounding secret: how joyful giving brings God maximum glory and His children maximum pleasure. In The Treasure Principle, you’ll unearth a radical teaching of Jesus—a secret wrapped up in giving.
Once you discover this secret, life will never look the same. And you won’t want it to be.
“Supercharged with stunning, divine truth! Lightning struck over and over as I read it.”
- John Piper, Senior Pastor, Bethlehem Baptist Church, Minneapolis
This complete summary of the ideas from Robert Kiyosaki and Sharon Lechter's book "Rich Dad, Poor Dad" shows that what is in your head ultimately determines what is in your hands: if you want to improve your circumstances, you need to change the way you think. This summary highlights the importance of educating yourself and developing financial intelligence by spending time with successful people, reading books, and attending seminars. All in all, this summary shows that your life will be more rewarding and more fulfilling if you just take the time to learn and think about where you’re heading.
Added-Value of this summary:
• Save time
• Understand the key concepts
• Expand your business knowledge
To learn more, read "Rich Dad, Poor Dad" and discover that the path to financial wealth does not lie in playing it safe. It’s far more important to play it smart.
You wouldn’t eat something without knowing what it was. Don’t you want to take the same care with what you put on your face, hair, and body? Find out what’s in your health and beauty products with Ruth Winter’s A Consumer’s Dictionary of Cosmetic Ingredients. This updated and expanded sixth edition gives you all the facts you need to protect yourself and your family from possible irritants, confusing chemical names, or exaggerated claims of beauty from gimmick additives.
Virtually every chemical found in toiletries, cosmetics, and cosmeceuticals—from body and face creams to toothpaste, hand lotion, shaving cream, shampoo, soap, perfume, and makeup—is evaluated in this book, including those ingredients marketed as being all-natural, for children, and for people of color. The alphabetical arrangement makes it easy to look up the ingredients in the products you use.
With new substances popping up in products we utilize every day—and with the continuing deregulation of the cosmetics industry—A Consumer’s Dictionary of Cosmetic Ingredients is more indispensable than ever.
From the Trade Paperback edition.
Approximately 35 percent of African Americans had no measurable assets in 2009, and 24 percent of these same households had only a motor vehicle. Dennis Kimbro, observing how the weight of the continuing housing and credit crises disproportionately impacts the African-American community, takes a sharp look at a carefully cultivated group of individuals who've scaled the heights of success and how others can emulate them. Based on a seven year study of 1,000 of the wealthiest African Americans, The Wealth Choice offers a trove of sound and surprising advice about climbing the economic ladder, even when the odds seem stacked against you. Readers will learn about how business leaders, entrepreneurs, and celebrities like Bob Johnson, Spike Lee, L. A. Reid, Herman Cain, T. D. Jakes and Tyrese Gibson found their paths to wealth; what they did or didn't learn about money early on; what they had to sacrifice to get to the top; and the role of discipline in managing their success. Through these stories, which include men and women at every stage of life and in every industry, Dennis Kimbro shows readers how to:
· Develop a wealth-generating mindset and habits
· Commit to lifelong learning
· Craft goals that match your passion
· Make short-term sacrifices for long-term gain
· Take calculated risks when opportunity presents itself
Specifically designed to reach people who normally would not consider themselves activists, The Better World Handbook is directed toward those who care about creating a more just, sustainable, and socially responsible world but don’t know where to begin. Substantially updated, this revised bestseller now contains more recent information on global problems, more effective actions, and many new resources.
When brand-name product guru Joey Green tackles a subject like home remedies, readers can be found reaching into their closets, cupboards, and pantries for their favorite products to cure what ails them. From relieving a migraine with Dole Pineapple Chunks, treating stinky feet with Clearasil, and soothing an insect bite with Colgate Toothpaste, Joey Green's Magic Health Remedies is packed with reliable, user-friendly cures for everything from acne and calluses to morning sickness and toothaches--121 conditions in all. Joey divulges that many products have special, never-before-revealed qualities not found on the label and, with a little ingenuity, can be used to treat minor health issues and conditions.
There's compelling evidence for experimenting with off-label uses--like when hay fever strikes, a little McCormick Ground Turmeric in a glass of water brings relief in 15 minutes; the bioflavonoids in the spice are antioxidants that suppress histamine production. Who knew? Well, Joey knows and now he's bringing fast relief (and lots of fun) to health care at home!
This instructional handbook shows readers how to set up their street machine chassis for high performance street or amateur drag strip racing. Not only are chassis and suspension the most popular types of modification, but their technology is constantly evolving. It offers the latest techniques for maximizing car performance on streets and strips. This definitive guide includes in-depth sections on chassis fabrication, rear axle selection and setup, rear and front suspension, shocks and springs, brakes, steering, and wheels and tires.
Without a proper financial education, many are headed for trouble. Failure can be the best teacher, but why learn the hard way? When provided with the resources to make the right decisions with their money, many young adults quickly learn how to walk the steps toward financial security. This eBook is a financial “cheat sheet”—a collection of the 100 most important money tips, written by Forbes’ top personal finance writers, who have learned invaluable lessons from their own financial blunders. You’ll read about everything from banking, student loans, IRAs and 401(k)s to mutual funds and buying a home.
If you feel you aren’t saving enough for retirement or just want to make sure you’re on the right track, read this eBook and take steps toward improving your financial IQ.
With an insider's view of the mind of the master, Mary Buffett and David Clark have written a simple guide for reading financial statements from Warren Buffett's succccessful perspective.
Buffett and Clark clearly outline Warren Buffett's strategies in a way that will appeal to newcomers and seasoned Buffettologists alike. Inspired by the seminal work of Buffett's mentor, Benjamin Graham (The Interpretation of Financial Statements, 1937), this book presents Buffett's interpretation of financial statements with anecdotes and quotes from the master investor himself.
Potential investors will discover:
• Buffett's time-tested dos and don'ts for interpreting an income statement and balance sheet
• Why high research and development costs can kill a great business
• How much debt Buffett thinks a company can carry before it becomes too dangerous to touch
• The financial ratios and calculations that Buffett uses to identify the company with a durable competitive advantage -- which he believes makes for the winning long-term investment
• How Buffett uses financial statements to value a company
• What kinds of companies Warren stays away from no matter how cheap their selling price
Once readers complete and master Buffett's simple financial calculations and methods for interpreting a company's financial statement, they'll be well on their way to identifying which companies are going to be tomorrow's winners -- and which will be the losers they should avoid at all costs.
Destined to become a classic in the world of investment books, Warren Buffett and the Interpretation of Financial Statements is the perfect companion volume to The New Buffettology and The Tao of Warren Buffett.
In The 21-Day Financial Fast, award-winning writer and The Washington Post columnist Michelle Singletary proposes a field-tested financial challenge. For twenty-one days, participants will put away their credit cards and buy only the barest essentials. With Michelle’s guidance during this three-week financial fast, you will discover how to:Break bad spending habitsPlot a course to become debt-free with the Debt Dash PlanAvoid the temptation of overspending for collegeLearn how to prepare elderly relatives and yourself for future long-term care expensesBe prepared for any contingency with a Life Happens FundStop worrying about money and find the priceless power of financial peace
As you discover practical ways to achieve financial freedom, you’ll experience what it truly means to live a life of financial peace and prosperity.
Thousands of individuals have participated in the fast and as a result have gotten out of debt and become better managers of their money and finances. The 21-Day Financial Fast is great for earners at any income-level or stage of life, whether you are living paycheck-to-paycheck or just trying to make smarter financial choices.
Get expert guidance on how to track expenditures, reduce spending, get out of debt, invest wisely, save for college and other events, and how to survive the unexpected! In no time at all, you will gain valuable financial know-how and find out how to start investing!
Find out:Ways to weigh expected investment returns and risksHow to determine your investment goalsAdvice on how to plan for the futureThe best ways to reduce and eliminate debtHow to change credit card habits
Yes, you can buy world-class wine on a budget. With Parker's Wine Bargains, America's most infl uential wine critic offers a guide to the world's best wines priced at $25 or less.
Robert M. Parker, Jr., earned his international reputation and unprecedented influence as a dedicated consumer advocate -- if a wine isn't worth the money, he says so, regardless of the wine's pedigree. In Parker's Wine Bargains, for the first time he and his Wine Advocate team offer budget-minded wine buyers a handy guide to low-priced wines for both everyday drinking and special occasions.
Organized by country, the book lists more than 1,500 quality wine producers, as well as abbreviated tasting notes for more than 3,000 of the best value wines. Chapters include an overview of each country's wine-producing regions, highlight up-and-coming or underappreciated regions, and detail when wines can be consumed. Also featuring a vintage guide and lists such as "the best of the best," Parker's Wine Bargains is an accessible guide from the expert the New York Times deems "the critic who matters most."
Regardless of age, locality, and lifestyle, saving money is high on everyone's list today. In this long awaited follow-up to the bestselling Cashing In at the Checkout, Susan Samtur explains her Five-Step Supershopping System, a new technique that will show readers how they can save 50% or more every time they shop. Samtur's is the first system that converges new supermarket savings technologies- rewards programs, store cards, websites-with traditional proven techniques, like couponing and refunding.
When Angela Wynne started preparing for her baby’s arrival, she was overwhelmed by all the must-haves she supposedly needed. She quickly discovered that the average American family can expect to shell out more than $23,000 for the first two years of the baby’s life.
Daunted by the cost of having a baby, Angela soon realized she had a gift for ferreting out the best bargains—and decided to share her findings with other parents online, with her uber-successful blog BabyCheapskate.com. And now, in The Babycheapskate Guide to Bargains, she gives you must-have advice on buying the best for your baby for less. You’ll learn:
• What you need for your baby—and what you don’t need
• The principles of shopping smart
• Where to find great deals on baby products, both online and off
• How to use social media to find bargains and get advice
• How to demystify couponing and other “insider” savings techniques
• And much, much more
Outlining easy-to-follow, effective saving strategies, this indispensable guide takes the financial guesswork and all the unwanted stress out of planning for a baby.
From the Trade Paperback edition.
Well-organized and highly readable, The Consumer Guide to Home Energy Savings begins with an overview of the relationships between energy use, economics, and the environment. Updated and expanded chapters focus on specific aspects of any home, such as heating and cooling, ventilation, electronics, lighting, cooking, and laundry, and provide helpful explanations for each, including:Energy use characteristics Comparisons between available technologies Cost-effective repair and replacement options Step-by-step guidance for finding the right equipment
This comprehensive resource is packed with tips on improving existing equipment and guidance for when and why to invest in new purchases, as well as a reminder to check local government and utilities for purchase or retrofit grants or incentives. It is a must-read for anyone concerned about reducing both their energy bills and their environmental impact.
Jennifer Thorne Amann is the buildings program director at the American Council for an Energy-Efficient Economy (ACEEE).
Alex Wilson is the founder of BuildingGreen, Inc, executive editor of Environmental Building News, and author of Green Building Products and Your Green Home
Katie Ackerly is a researcher at the Center for the Built Environment and a graduate student in architecture ate the University of California, Berkeley.
Living Large in Lean Times is Clark's ultimate guide to saving money, covering everything from cell phones to student loans, coupon websites to mortgages, investing to electric bills, and beyond. In his candid and friendly next-door-neighbor manner, Clark shares the small, manageable steps everyone can follow to build a path towards independence and wealth. Chock-full of more than 250 invaluable tips, the book outlines how to:Locate missing and unclaimed money in your name Lower your student loan payment Find legitimate work-at-home opportunities Get unlimited texting and e-mailing for less than $10 per month Know what personal info not to post to social media sites Determine the best mortgage rate, and much, much more
As Clark demonstrates, there are myriad ways to reduce debt, buy smarter, and build a future. Follow his lead and he'll get you there.
Whether you have just bought your first computer or laptop or are a keen computer user, this book will provide you with a firm grasp of the underpinning foundations and equip you with the skills needed to use a computer like an expert.
From the Trade Paperback edition.
"Go to school, get a good job, save 10% of your paycheck, buy a used car, cancel the movie channels, quit drinking expensive Starbucks mocha lattes, save and penny-pinch your life away, trust your life-savings to the stock market, and one day, when you are oh, say, 65 years old, you can retire rich."
The mainstream financial gurus have sold you blindly down the river to a great financial gamble: You've been hoodwinked to believe that wealth can be created by recklessly trusting in the uncontrollable and unpredictable markets: the housing market, the stock market, and the job market. This impotent financial gamble dubiously promises wealth in a wheelchair -- sacrifice your adult life for a financial plan that reaps dividends in the twilight of life.
Accept the Slowlane as your blueprint for wealth and your financial future will blow carelessly asunder on a sailboat of HOPE: HOPE you can find a job and keep it, HOPE the stock market doesn't tank, HOPE the economy rebounds, HOPE, HOPE, and HOPE. Do you really want HOPE to be the centerpiece for your family's financial plan?
Drive the Slowlane road and you will find your life deteriorate into a miserable exhibition about what you cannot do, versus what you can. For those who don't want a lifetime subscription to "settle-for-less" and a slight chance of elderly riches, there is an alternative; an expressway to extraordinary wealth that can burn a trail to financial independence faster than any road out there.
Why jobs, 401(k)s, mutual funds, and 40-years of mindless frugality will never make you rich young.
Why most entrepreneurs fail and how to immediately put the odds in your favor.
The real law of wealth: Leverage this and wealth has no choice but to be magnetized to you.
The leading cause of poorness: Change this and you change everything.
How the rich really get rich - and no, it has nothing to do with a paycheck or a 401K match.
Why the guru's grand deity - compound interest - is an impotent wealth accelerator.
Why the guru myth of "do what you love" will most likely keep you poor, not rich. And 250+ more poverty busting distinctions...
Demand the Fastlane, an alternative road-to-wealth; one that actually ignites dreams and creates millionaires young, not old. Change lanes and find your explosive wealth accelerator. Hit the Fastlane, crack the code to wealth, and find out how to live rich for a lifetime.
• How to identify valuable coins that are hiding in pocket change
• Secrets of how to grade, trade, and preserve coins like the experts
• Current trends in the coin market and how to profit from trading coins
• The most complete coin price guide on the market today!
Book Features:Factors to consider when selecting a school, such as location, single sex versus coed, school size, after-school programs, and academic pace. Preparing your child for admissions interviews. Resources for test preparation. School profiles that include key information on school tours and applications, tuition, financial aid and scholarships, staff, class size, homework, diversity, educational approach, atmosphere, and more.
“The information is on the mark and insightful. . . . Parents will pass The Manhattan Family Guide to parents as gleefully as they once passed notes in class.”
—New York Magazine (for a previous edition)
Whether you're a first time Mac user or a seasoned Mac devotee, OS X Mavericks has something for everyone. For starters, Mavericks introduces Books and Maps for the desktop – two favorites of iOS users. The Safari web browser and Mac Finder are more intuitive than ever – Finder introduces tabbed browsing and tags, making it easier than ever to find, organize and manage your files and folders. You can now store all your Mac-created passwords in iCloud so that you can access them on other devices. And with over 200 new features to explore, you’ll be glad to know that Mavericks will help your machine be as fast, efficient, and battery-conservative as possible. With OS X Mavericks, Apple also took a revolutionary approach to OS upgrades by offering it absolutely free of charge, so there’s truly no good reason not to upgrade.
Let Minute Help show you how to make the most out of Mountain Lion; and if you are making the switch from Windows, we’ll help you make it as easy as possible!
This down-to-earth, casual guide—small enough to be slipped into your pocket—answers these and other questions for the shopper:What are the differences among organic, local, fair-trade, free-range, naturally raised, and biodynamic foods? How affordable is it to subscribe to a CSA farm—and what are the advantages? Is it better to choose wild Alaskan salmon at $18.99, or the Chilean farmed fish at $11.99? What cooking oils can be sustainably sourced? How can a food co-op increase access to, and affordability of, healthier, Earth-friendly foods? Where can you find sustainably produced sugar, and are there any local replacements for sweeteners from faraway lands? What do the distinctions between shade-grown and trellised coffee mean? Is shark okay to eat? How about mackerel? Why is the war on plastic bags so important?
Sustainable eating just got easier.
A Solar Buyer's Guide for the Home and Office explains the options so that property owners can make the right choices both for their energy needs and their financial security. Understanding how solar power systems work will enable readers to be informed customers when dealing with professional installers-the book also provides advice on how to select a qualified installer and understand the expanding variety of tax credits and other incentives that are popping up around the country.
The market for solar systems has been growing at an exponential rate and strong tax credits ensure continued growth even in a sluggish economy. Many of those who would like to catch this undeniable wave of the future are held back by widespread confusion. A Solar Buyer's Guide for the Home and Office clears the air, allowing property owners to move forward with confidence to make their homes and offices more comfortable, environmentally sound, and secure against wild swings in energy prices.
Teach yourself how to navigate and use the most radical redesign of Windows in Microsoft’s history.
With plenty of screen prints, photographs and illustrations, this guide exploresSetting up your computer Navigating around the windows 8.1 using the start screen Windows 8.1’s features, menus, charms and utilities Transferring your files from your old machine Using the desktop and running applications Backing up your important data with filehistory Antivirus and internet safety Downloading & watching videos Downloading & listening to music Staying in touch friends, family and colleagues using Mail & Calendar Getting started with SkyDrive Storing, organising and manipulating your photos, putting them into albums or slideshows to show to friends or post on social media Maintaining Windows 8.1, optimizing drives, scanning drives for errors and more...
Techniques are illustrated step by step using photography and screen prints throughout, together with concise, easy to follow text from an established expert in the field.
Whether you have just bought your first computer, laptop or are a keen computer user who has just upgraded to Windows 8.1, this book will provide you with a firm grasp of the underpinning foundations and equip you with the skills needed to use a computer like an expert.
¸ How do I know if my broker is doing a good job? (See question #18.)
¸ How should I decide how much to offer for a home? (See question #29.)
¸ How does the negotiation process work? (See question #37.)
¸ How much of a down payment will I need to buy my home? (See question #61.)
¸ What are the different types of mortgages available? (See question #75.)
¸ What if I'm rejected for my loan? (See question #86.)
¸ What exactly is the closing? And where is it held? (See question #89.)
¸ Will I need homeowner's insurance? What should it cover? (See question #93.)
What's new in this edition?
Internet resources for home buyers: Where to shop for a loan on the web, how to apply online for a mortgage, and how to contact the agency that regulates real estate brokers and mortgage lenders in your state
Tax laws and what they mean to you: Why the Taxpayer Relief Act is a windfall for homeowners, and how you can take full advantage of it
Buying new construction: How to compare developers and negotiate the best deal
The competitive mortgage market: How to find a reputable lender, how to find a true zero-down loan, and what service premiums tell you about your loan
A valuable discussion of where paper assets fit (and do not fit) in the context of Rich Dad principles and its place among the other assets classes such as real estate business and commodities.
The bulk of the book educates investors on "Andy's 4 pillars of stock market income" and effectively simplifies the four concepts to help investors begin to harness their power.
The book concludes with ideas for an individual action plan suited to the goals of the reader
Techniques are illustrated step by step using photography and screen prints throughout, together with concise, easy to follow text from an established expert in the field.
Whether you have just bought your first Mac, switched from Windows, or are a keen computer user, this book will provide you with a firm grasp of the underpinning foundations and equip you with the skills needed to use a Mac like an expert.
Most people wouldn't expect a schoolteacher to amass a million-dollar investment account. But Andrew Hallam did so, long before the typical retirement age. And now, with Millionaire Teacher, he wants to show you how to follow in his footsteps. With lively humor and the simple clarity you'd expect from a gifted educator, Hallam demonstrates how average people can build wealth in the stock market by shunning the investment products peddled by most financial advisors and avoiding the get-rich-quicker products concocted by an ever widening, self-serving industry.
Using low cost index funds, coupled with a philosophy in line with the one that made Warren Buffett a multi-billionaire, Hallam guides readers to understand how the stock and bond markets really work, arming you with a psychological advantage for when markets fall.Shows why young investors should hope for stock market crashes if they want to get rich Explains how you can spend just 60 minutes a year on your investments, never open a financial paper, avoid investment news, and still leave most professional investors in the dust Promotes a unique new investment methodology that combines low cost index funds and a Warren Buffett-esque investment philosophy
Millionaire Teacher explains how any middle-income individual can learn can learn the ABCs of personal finance and become a multi-millionaire, from a schoolteacher who has been there and done that.
Get Your Money's Worth on a Great Diamond!
Buying a diamond can be one of the most important and intimidating purchases you ever make. Whether you're getting engaged or married, or are buying for an anniversary, investment, or just because, How to Buy a Diamond will take the pressure and uncertainty out of your purchase, and will show you how to get the best diamond for your money.
Newly revised and completely updated, How to Buy a Diamond is the only book on the market to include wholesalers' secret pricing charts athat you, the public, never get to see. The charts are broken down by carat, clarity, and color—including the various types of color within each color grade.
Important sections include:
• Matching your funds with the perfect diamond
• The four C's explained: clarity, color, cut and carat size
• Ring styles and settings
• Insuring and caring for your diamond
• Picking the right jeweler
• Grade bumping: what it is and how to spot it
• Surprising new changes to guild stores
• Jewelers' tricks of the trade
• Wholesalers' secret pricing charts!
Every day thousands of people are losing their jobs, their income, and their security—perhaps you are one of them. However, with the right strategies, you can easily achieve financial independence. The Laptop Millionaire provides easy to follow step-by-step strategies you can use to make real money online. Author Mark Anastasi reveals the exact strategies he used to make millions and includes the success stories of other millionaire Internet entrepreneurs. Whether you need an extra hundred dollars a day or want to start an Internet Empire, this book gives you the tools and advice you need.
His no-fluff, no-filler strategies provide a blueprint to online success allowing you to discover the laptop lifestyle for yourself.How anyone can make $700-3,000 a week thanks to Twitter, Facebook, YouTube, and other Social Media sites The simple steps to creating an online business—featuring the 3 steps that led Mark to his first $10,000 a month business! How the 21 Millionaire Secrets can transform your life
If you read and apply what Anastasi has laid out in his book, you will be well on your way to becoming a millionaire.
The Master-Key to Riches is the blueprint that Napoleon Hill placed in the hands of those who would teach and perfect his success methods. Now revised and updated for the twenty-first century to avoid arcane language or points of reference, this book contains the full range of ideas and exercises that appeared in the original edition. In this volume, Hill covers lessons including:
* The Law of Cosmic Habitforce
* Andrew Carnegie's "Master Mind" Method
* The Magic of Going the "Extra Mile"
* The Twelve True Riches of Life
The Master-Key to Riches has been revised by Patrica Horan, who revised The Magic Ladder to Success, is a thirty-year veteran of New York book and magazine publishing, as well as an award-winning author, editor, copywriter, and playwright. She has most recently worked as editor of Breakthrough, the quarterly journal of Global Education Associates, a UN non-governmental organization founded in 1973. She is the author of 177 Favorite Poems for Children and Haiti: Vibrant Land of Joy and Sorrow.
From the Trade Paperback edition.
It’s time to throw away all your old notions of what financial advice should look like. Because if you’re looking for a book to put you on an austerity savings plan that has you giving up vacations and lattes, you’re out of luck. But if you’re looking to get your finances in rock-hard shape--in less time than it takes to finish a workout--then Alexa von Tobel, Founder and CEO of LearnVest, has your back.
How? Through the LearnVest Program. First, you’ll take stock of where you stand today. Then, you’ll create your customized 50/20/30 plan. 50/20/30 simply refers to the percentage breakdown of how to spend your take-home pay each month. The 50 gets the essentials out of the way so you don't have to stress about them. The 20 sets your foundation for the future, then the 30 is left to spend on the things that bring happiness to your life.
By the time you’re finished reading this book, you’ll walk away with a financial game plan tailored to your priorities, your hopes and dreams, and your lifestyle. And, because von Tobel and the team at LearnVest are experts at financial planning in the online era, you’ll also learn how to integrate your financial plan into your mobile, social, digital life. Like your own personal financial planner between two covers, this book will set you up for a secure, worry-free money future, without having to give up things you love.
So toss those old-school financial guides out the window, and get ready to start living your richest life.
• Over 18,000 prices
• Values for every U.S. coin ever minted
• An updated market review that traces current trends in collecting and investing
• Hundreds of coin illustrations and a fast-find index for easy identification
• Extensive information on buying, selling, and grading coins at auction, online, and through the mail