With the grace of a natural storyteller, NASA engineer Homer Hickam paints a warm, vivid portrait of the harsh West Virginia mining town of his youth, evoking a time of innocence and promise, when anything was possible, even in a company town that swallowed its men alive. A story of romance and loss, of growing up and getting out, Homer Hickam's lush, lyrical memoir is a chronicle of triumph--at once exquisitely written and marvelously entertaining.
One of the most beloved bestsellers in recent years, Rocket Boys is a uniquely American memoir. A powerful, luminous story of coming of age at the end of the 1950s, it is the story of a mother's love and a father's fears, of growing up and getting out. With the grace of a natural storyteller, Homer Hickam looks back after a distinguished NASA career to tell his own true story of growing up in a dying coal town and of how, against the odds, he made his dreams of launching rockets into outer space come true.
A story of romance and loss and a keen portrait of life at an extraordinary point in American history, Rocket Boys is a chronicle of triumph.
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.
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
Every parent knows the importance of equipping children with the intellectual skills they need to succeed in school and life. But children also need to master their emotions. Raising an Emotionally Intelligent Child is a guide to teaching children to understand and regulate their emotional world. And as acclaimed psychologist and researcher John Gottman shows, once they master this important life skill, emotionally intelligent children will enjoy increased self-confidence, greater physical health, better performance in school, and healthier social relationships. Raising an Emotionally Intelligent Child will equip parents with a five-step "emotion coaching" process that teaches how to:
* Be aware of a child's emotions
* Recognize emotional expression as an opportunity for intimacy and teaching
* Listen empathetically and validate a child's feelings
* Label emotions in words a child can understand
* Help a child come up with an appropriate way to solve a problem or deal with an upsetting issue or situation
Written for parents of children of all ages, Raising an Emotionally Intelligent Child will enrich the bonds between parent and child and contribute immeasurably to the development of a generation of emotionally healthy adults.
—Bob Clark, Editor-in-Chief, Dow Jones Investment Advisor
Ric Edelman, America’s most successful financial advisor, has revised and updated his classic personal finance bestseller to reflect the new global economic outlook. In his 4th edition of The Truth About Money, Edelman tells you everything you need to know about money—an essential, yet delightfully breezy and accessible, must-read manual for anyone who may have previously sought the financial wisdom of Suze Orman and Jean Chatzky. The Truth About Money is an indispensible guide to money matters from the man whom Barrons named the #1 independent financial advisor in the country.
Is someone else's problem your problem? If, like so many others, you've lost sight of your own life in the drama of tending to someone else's, you may be codependent--and you may find yourself in this book--Codependent No More.The healing touchstone of millions, this modern classic by one of America's best-loved and most inspirational authors holds the key to understanding codependency and to unlocking its stultifying hold on your life.With instructive life stories, personal reflections, exercises, and self-tests, Codependent No More is a simple, straightforward, readable map of the perplexing world of codependency--charting the path to freedom and a lifetime of healing, hope, and happiness.Melody Beattie is the author of Beyond Codependency, The Language of Letting Go, Stop Being Mean to Yourself, The Codependent No More Workbook and Playing It by Heart.
Get What’s Yours has proven itself to be the definitive book about how to navigate the forbidding maze of Social Security and emerge with the highest possible benefits. It is an engaging manual of tactics and strategies written by well-known financial commentators that is unobtainable elsewhere. You could try reading all 2,728 rules of the Social Security system (and the thousands of explanations of these rules), but academia’s Kotlikoff, the popular press’s Moeller, and public television’s Solman explain the Social Security system just as comprehensively, and a lot more comprehensibly. Moreover, they demonstrate that what you don’t know can seriously hurt you: wrong decisions about which Social Security benefits to apply for cost individual retirees tens of thousands of dollars in lost income every year. (Some of those people are even in the book.)
Changes to Social Security that take effect in 2016 make it more important than ever to wait as long as possible (until age 70, if possible) to claim Social Security benefits. The new law also has significant implications for those who wish to claim divorced spousal benefits (and how many Social Security recipients even know about divorced spousal benefits?). Besides addressing these and other issues, this revised edition contains a chapter explaining how Medicare rules can shape Social Security decisions.
Many other personal-finance books briefly address Social Security, but none offers the full, authoritative, yet conversational analysis of Get What’s Yours.
Get What’s Yours explains Social Security benefits through basic strategies and stirring stories. It covers the most frequent benefit scenarios faced by married retired couples; by divorced retirees; by widows and widowers. It explains what to do if you’re a retired parent of dependent children; disabled; an eligible beneficiary who continues to work. It addresses the tax consequences of your choices, as well as the financial implications for other investments. It does all this and more.
There are more than 52 million Americans aged 54 to 69. Ten thousand of them reach Social Security’s full retirement age of 66 every day. For all these people—and for their families and friends—Get What’s Yours has proven to be an invaluable, and therefore indispensable, tool.
TV analysts and money managers would have you believe your finances are enormously complicated, and if you don’t follow their guidance, you’ll end up in the poorhouse.
When University of Chicago professor Harold Pollack interviewed Helaine Olen, an award-winning financial journalist and the author of the bestselling Pound Foolish, he made an offhand suggestion: everything you need to know about managing your money could fit on an index card. To prove his point, he grabbed a 4" x 6" card, scribbled down a list of rules, and posted a picture of the card online. The post went viral.
Now, Pollack teams up with Olen to explain why the ten simple rules of the index card outperform more complicated financial strategies. Inside is an easy-to-follow action plan that works in good times and bad, giving you the tools, knowledge, and confidence to seize control of your financial life.
Everyone knows that investing in your retirement is important. Yet only half of all eligible Americans contribute to a retirement plan. That’s because 401(k)s, 403(b)s, 457s, and IRA plans are complicated, confusing, and costly. New York Times bestselling author and acclaimed financial advisor Ric Edelman has counseled thousands of savers and retirees, and has accumulated his advice in this book.
Edelman has created a step-by-step guide. With illuminating examples and simple explanations, he shares everything you need to know as a plan participant: how much you need to retire comfortably, how to make wise choices among your investment options, and how to maximize the benefits of your 401(k). Along the way, he debunks the myths and clears up the confusion.
With more than 10 million copies sold, The 5 Love Languages® continues to transform relationships worldwide. And though originally written for married couples, its concepts have proven applicable to families, friends, and even coworkers.
The premise is simple: Each person gives and receives love in a certain language, and speaking it will strengthen that relationship. For singles, that means you can:Understand yourself and others betterGrow closer to family, friends, and others you care aboutGain courage to express your emotions and affectionDiscover the missing ingredient in past relationshipsDate more successfully
Whether you want to be closer to your parents, reach out more to your friends, or give dating another try, The 5 Love Languages®: Singles Edition will give you the confidence you need to connect with others in a meaningful way.
"Nothing has more potential for enhancing one's sense of well-being than effectively loving and being loved. This book is designed to help you do both of these things effectively." — Gary Chapman
Includes a quiz to help you learn your love language, plus a section on the pros and cons of online dating.
A broad range of topics are covered, including budgeting, investing, managing credit, as well as quick and effective ways of getting rid of debt. The language is kept simple, so that readers of all backgrounds will be able to understand and apply the principles discussed. This text is not exclusively for people in their twenties. Any age group can benefit from this sound financial advice.
- Learn new and reliable ways to stay out of debt, save money, and still enjoy the fruits of you labor during these tough economics times
- Discover proven methods of how to save money for the future, and beat inflation
- Get advice from a person who lived through hard financial lessons so that you don't have to
There is no need to delay this investment into your financial future. Prepare to have you wallet be forever changed.
“My mother didn’t try to stab my father until I was six,” begins Alda’s irresistible story. The son of a popular actor and a loving but mentally ill mother, he spent his early childhood backstage in the erotic and comic world of burlesque and went on, after early struggles, to achieve extraordinary success in his profession.
Yet Never Have Your Dog Stuffed is not a memoir of show-business ups and downs. It is a moving and funny story of a boy growing into a man who then realizes he has only just begun to grow.
It is the story of turning points in Alda’s life, events that would make him what he is–if only he could survive them.
From the moment as a boy when his dead dog is returned from the taxidermist’s shop with a hideous expression on his face, and he learns that death can’t be undone, to the decades-long effort to find compassion for the mother he lived with but never knew, to his acceptance of his father, both personally and professionally, Alda learns the hard way that change, uncertainty, and transformation are what life is made of, and true happiness is found in embracing them.
Never Have Your Dog Stuffed, filled with curiosity about nature, good humor, and honesty, is the crowning achievement of an actor, author, and director, but surprisingly, it is the story of a life more filled with turbulence and laughter than any Alda has ever played on the stage or screen.
From the Hardcover edition.
BOOKS FOR A BETTER LIFE AWARD WINNER
In this sane, highly engaging, and informed guide for parents of daughters, Dr. Damour draws on decades of experience and the latest research to reveal the seven distinct—and absolutely normal—developmental transitions that turn girls into grown-ups, including Parting with Childhood, Contending with Adult Authority, Entering the Romantic World, and Caring for Herself. Providing realistic scenarios and welcome advice on how to engage daughters in smart, constructive ways, Untangled gives parents a broad framework for understanding their daughters while addressing their most common questions, including
• My thirteen-year-old rolls her eyes when I try to talk to her, and only does it more when I get angry with her about it. How should I respond?
• Do I tell my teen daughter that I’m checking her phone?
• My daughter suffers from test anxiety. What can I do to help her?
• Where’s the line between healthy eating and having an eating disorder?
• My teenage daughter wants to know why I’m against pot when it’s legal in some states. What should I say?
• My daughter’s friend is cutting herself. Do I call the girl’s mother to let her know?
Perhaps most important, Untangled helps mothers and fathers understand, connect, and grow with their daughters. When parents know what makes their daughter tick, they can embrace and enjoy the challenge of raising a healthy, happy young woman.
Praise for Untangled
“Finally, there’s some good news for puzzled parents of adolescent girls, and psychologist Lisa Damour is the bearer of that happy news. [Untangled] is the most down-to-earth, readable parenting book I’ve come across in a long time.”—The Washington Post
“Anna Freud wrote in 1958, ‘There are few situations in life which are more difficult to cope with than an adolescent son or daughter during the attempt to liberate themselves.’ In the intervening decades, the transition doesn’t appear to have gotten any easier which makes Untangled such a welcome new resource.”—The Boston Globe
“Damour offers a hopeful, helpful new way for parents to talk about—and with—teenage girls. . . . Parents will want this book on their shelves, next to established classics of the genre.”—Publishers Weekly
“For years people have been asking me for the ‘girl equivalent of Raising Cain,’ and I haven't known exactly what to recommend. Now I do.”—Michael Thompson, Ph.D., co-author of Raising Cain
“An essential guide to understanding and supporting girls throughout their development.”—Rosalind Wiseman, author of Queen Bees & Wannabes
“A gem. From the moment I read the last page I’ve been recommending it to my clients (including those with sons!) and colleagues, and using it as a refreshing guide in my own work with teenagers and their parents.”—Wendy Mogel, Ph.D., author of The Blessing of a Skinned Knee
“Just as Reviving Ophelia opened our eyes to the challenges faced by adolescent girls, Real Boys helps us hear and respond to the needs of growing boys.” —Judith Jordan, Ph.D., Harvard Medical School
Featuring a new preface by the author on how parents can make a difference.
• bridge communication gaps
• defuse power struggles
• avoid the dangers of praise
• enforce your message of love
• build on strengths, not weaknesses
• hold children accountable with their self-respect intact
• teach children not what to think but how to think
• win cooperation at home and at school
• meet the special challenge of teen misbehavior
“It is not easy to improve a classic book, but Jane Nelson has done so in this revised edition. Packed with updated examples that are clear and specific, Positive Discipline shows parents exactly how to focus on solutions while being kind and firm. If you want to enrich your relationship with your children, this is the book for you.”
–Sal Severe, author of How to Behave So Your Children Will, Too!
Millions of children have already benefited from the counsel in this wise and warmhearted book, which features dozens of true stories of positive discipline in action. Give your child the tools he or she needs for a well-adjusted life with this proven treasure trove of practical advice.
From the Trade Paperback edition.
Social Security provides the bulk of most retirees’ income and Medicare guarantees them affordable health insurance. But few people know what Medicare covers and what it doesn’t, what it costs, and when to sign up. Nor do they understand which parts of Medicare are provided by the government and how these work with private insurance plans—Medicare Advantage, drug insurance, and Medicare supplement insurance.
Do you understand Medicare’s parts A, B, C, D? Which Part D drug plan is right and how do you decide? Which is better, Medigap or Medicare Advantage? What do you do if Medicare denies payment for a procedure that your doctor says you need? How do you navigate the appeals process for denied claims? If you’re still working or have a retiree health plan, how do those benefits work with Medicare? Do you know about the annual enrollment period for Medicare, or about lifetime penalties for late enrollment, or any number of other key Medicare rules?
Health costs are the biggest unknown expense for older Americans, who are turning sixty-five at the rate of 10,000 a day. Understanding and navigating Medicare is the best way to save health care dollars and use them wisely. In Get What’s Yours for Medicare, retirement expert Philip Moeller explains how to understand all these important choices and make the right decisions for your health and wealth now—and for the future.
It's no secret that hundreds of companies have been slashing pensions and health coverage earned by millions of retirees. Employers blame an aging workforce, stock market losses, and spiraling costs- what they call "a perfect storm" of external forces that has forced them to take drastic measures.
But this so-called retirement crisis is no accident. Ellen E. Schultz, award-winning investigative reporter for the Wall Street Journal, reveals how large companies and the retirement industry-benefits consultants, insurance companies, and banks-have all played a huge and hidden role in the death spiral of American pensions and benefits.
A little over a decade ago, most companies had more than enough set aside to pay the benefits earned by two generations of workers, no matter how long they lived. But by exploiting loopholes, ambiguous regulations, and new accounting rules, companies essentially turned their pension plans into piggy banks, tax shelters, and profit centers.
Drawing on original analysis of company data, government filings, internal corporate documents, and confidential memos, Schultz uncovers decades of widespread deception during which employers have exaggerated their retiree burdens while lobbying for government handouts, secretly cutting pensions, tricking employees, and misleading shareholders. She reveals how companies:Siphon billions of dollars from their pension plans to finance downsizings and sell the assets in merger deals Overstate the burden of rank-and-file retiree obligations to justify benefits cuts while simultaneously using the savings to inflate executive pay and pensions Hide their growing executive pension liabilities, which at some companies now exceed the liabilities for the regular pension plans Purchase billions of dollars of life insurance on workers and use the policies as informal executive pension funds. When the insured workers and retirees die, the company collects tax-free death benefits Preemptively sue retirees after cutting retiree health benefits and use other legal strategies to erode their legal protections.
Though the focus is on large companies-which drive the legislative agenda-the same games are being played at smaller companies, non-profits, public pensions plans and retirement systems overseas. Nor is this a partisan issue: employees of all political persuasions and income levels-from managers to miners, pro- football players to pilots-have been slammed.
Retirement Heist is a scathing and urgent expose of one of the most critical and least understood crises of our time.
An extraordinary literary work, Dear Mr. You renders the singular arc of a woman’s life through letters Mary-Louise Parker composes to the men, real and hypothetical, who have informed the person she is today. Beginning with the grandfather she never knew, the letters range from a missive to the beloved priest from her childhood to remembrances of former lovers to an homage to a firefighter she encountered to a heartfelt communication with the uncle of the infant daughter she adopted. Readers will be amazed by the depth and style of these letters, which reveal the complexity and power to be found in relationships both loving and fraught.
Whatever your current financial situation, you must continue to strive for a viable retirement plan by finding the most effective ways to save, the best accounts to save in, and the right amount to save, as well as understanding how to insure against setbacks and handle the uncertainties of a shaky economy.
Fortunately, the Bogleheads, a group of like-minded individual investors who follow the general investment and business beliefs of John C. Bogle, are here to help. Filled with valuable advice on a wide range of retirement planning issues, including some pearls of wisdom from Bogle himself, The Bogleheads' Guide to Retirement Planning has everything you need to succeed at this endeavor.Explains the different types of savings accounts and retirement plans Offers insights on managing and funding your retirement accounts Details efficient withdrawal strategies that could help you maintain a comfortable retirement lifestyle Addresses essential estate planning and gifting issues
With The Bogleheads' Guide to Retirement Planning, you'll discover exactly what it takes to secure your financial future, today.
Did you know you can pay your taxes by using a cash-back credit card?
Why are you still paying $235 a year to rent your cable box?
You're leaving money on the table every day, with every transaction you make: changing your oil, withdrawing ATM cash, booking flights, buying insurance, shopping for clothes, squirting toothpaste. But in Pogue's Basics: Money, the third book of this New York Times bestselling series, David Pogue proves that information is money. Each of his 150 simple tips and tricks includes a ballpark estimate of the money you could make or save. Okay, you won't use every tip in the book—but if you did, you'd come ahead by $61,195 a year.
“I’ve changed a bit since high school. Back then I said no to using and selling drugs. I washed on a normal basis and still had good credit.”
Introducing Laurie Notaro, the leader of the Idiot Girls’ Action-Adventure Club. Every day she fearlessly rises from bed to defeat the evil machinations of dolts, dimwits, and creepy boyfriends—and that’s before she even puts on a bra.
For the past ten years, Notaro has been entertaining Phoenix newspaper readers with her wildly amusing autobiographical exploits and unique life experiences. She writes about a world of hourly-wage jobs that require absolutely no skills, a mother who hands down judgments more forcefully than anyone seated on the Supreme Court, horrific high school reunions, and hangovers that leave her surprised that she woke up in the first place.
The misadventures of Laurie and her fellow Idiot Girls (“too cool to be in the Smart Group”) unfold in a world that everyone will recognize but no one has ever described so hilariously. She delivers the goods: life as we all know it.
From the Trade Paperback edition.
An NPR Best Book of 2012
Pulitzer Prize-winning novelist Richard Russo turns to memoir in this hilarious and bittersweet account of his lifelong bond with his high-strung, spirited mother—and the small town she spent her life trying to escape. Anyone familiar with Russo’s novels will recognize Gloversville—once famous for producing nine out of ten dress gloves in the United States. By the time Rick was born, ladies had stopped wearing gloves and Gloversville was on its way out. Jean Russo instilled in her son her dream of a better life elsewhere, a dream that prompted her to follow him across the country when he went to college. Their adventures and tribulations on that road trip were a preview of the hold his mother would continue to have on him as she kept trying desperately to change her life. Recounted with a clear-eyed mix of regret, nostalgia, and love, Elsewhere is a stirring tribute to the tenacious grip of the past.
With the possible exception of home property, the most valuable asset for most Americans is their retirement fund. Yet most people don't know how to avoid the costly mistakes that cause a good chunk of those savings to be lost to needless and excessive taxation. Now, in this fully updated edition of The Retirement Savings Time Bomb, renowned tax advisor Ed Slott explains in clear-cut layman's terms what people need to know to keep their money and pass it on to their families. This book is for every American with savings who is planning to retire.
You probably know that small rental properties are among the safest, most affordable, and most profitable investments around. With the a little help, however, you can minimize both your investment and your costs and send your profits straight through the roof!
In this comprehensive handbook, real estate investing expert Steve Berges reveals the secrets that have made him one of the most successful entrepreneurs in the field. He shows you all of the indispensable tricks of the trade, explains why they are so important, and connects them to other essential steps for super-profitable investing. Arming you with his Five Golden Rules for Success, Steve Berges also shows you how to:Select a house and negotiate the best price and terms Perform a comprehensive financial analysis to maximize value Secure financing and prepare for your closing Find qualified tenants and draft favorable lease agreements Reduce operating costs, increase rents, and improve profitability Avoid the little-known pitfalls of real estate investing
With Steve Berges' expert guidance and no-nonsense advice, you can maximize your investment, minimize your time and effort, and make the most of every foray into the real estate market.
Twenty-three-year-old Zac Bissonnette—the author of Debt-Free U—knows exactly what you’re going through. He demystifies the many traps young people fall victim to in their post-college years. He offers fresh insights on everything from job hunting to buying a car to saving for retirement that will give you a foundation for a secure, stable, and happy life. In the process, he reveals why FICO scores are overrated, online job applications are a waste of time, car loans are for suckers, and credit card rewards are a scam.
With detours to discuss wine connoisseurs, Really Broke Housewives, and Lenny Dykstra, Zac shows you how to make better choices today so you can be richer, smarter (and better-looking!) for years to come.
RETHINK YOUR RETIREMENT
For many people, retirement is no longer a trifecta of golf, grandkids, and gardening—it’s an opportunity for new pursuits that involve both earning income and exploring personal passions. If you’re planning for retirement or already at “retirement age” but want to continue working—whether to supplement your income or to stay mentally and physically active—veteran career coach Nancy Collamer shows how to identify your favorite interests and expertise and repackage them into more than fifty ways to earn income. These second acts range from the traditional (part-time employment, consulting) to newer Internet-based options (teaching online, writing a blog). With a prescriptive approach to securing second-act careers that are flexible, fulfilling, and fun, this book offers a wide variety of income-generating examples as well as exercises to clarify your lifestyle goals and help you plan for your next move. Second-Act Careers shows how to create a profitable and meaningful semi-retirement on your own terms and in your own way.
In Parenting from the Inside Out, child psychiatrist Daniel J. Siegel, M.D., and early childhood expert Mary Hartzell, M.Ed., explore the extent to which our childhood experiences shape the way we parent. Drawing on stunning new findings in neurobiology and attachment research, they explain how interpersonal relationships directly impact the development of the brain, and offer parents a step-by-step approach to forming a deeper understanding of their own life stories, which will help them raise compassionate and resilient children.
Born out of a series of parents' workshops that combined Siegel's cutting-edge research on how communication impacts brain development with Hartzell's decades of experience as a child-development specialist and parent educator, this book guides parents through creating the necessary foundations for loving and secure relationships with their children.
The ABCs of Getting Out of Debt provides the necessary knowledge to navigate through a very challenging credit environment. A Rich Dad’s Advisor and best selling author of numerous business books, Garrett Sutton, Esq. clearly writes on the key strategies readers must follow to get out of debt. Unlike other superficial offerings, Sutton explores the psychology and health effects of debt. From there, the reader learns how to beat the lenders at their own game, and how to understand and repair your own credit. Using real life illustrative stories, Sutton shares how to deal with debt collectors, avoid credit scams, and win with good credit.
“The reason Garrett Sutton’s book is so important is that like it or not, debt is a powerful force in our world today. The financially intelligent are using debt to enrich themselves while the financially uneducated are using debt to destroy their lives.”- Robert Kiyosaki
The times call for a book that offers hope and education on mastering credit and getting out of debt.
Based on fascinating research, this groundbreaking work by psychologist and educator Dr. Thomas Lickona describes the predictable stages of moral development from birth to adulthood. And it offers you down-to-earth advice and guidance for each stage:
• Seven caring ways to discipline “terrible twos”
• Why your preschooler “lies” and how to handle it
• What to do about a four-year-old’s back talk
• How to handle your seven-year-old’s endless negotiations about what’s “fair”
• Why teens have trouble with peer pressure—and how to help them
• How to talk to your child about drugs, drinking, and sex
• How to help children of any age reason more clearly about what’s right and wrong
PLUS . . . A list of more than one hundred children’s books that teach moral values, and much more.
“An excellent book on a vastly neglected aspect of raising children.”—Dr. Fitzhugh Dodson, author How to Parent, How to Father
“We have been waiting for a book like this for a long time—a readable work that translates a moral development into parents’ language and experience.”—Dolores Curran, author of Traits of a Healthy Family
“Truly integrates a moral development theory into a consistent approach to childrearing. . . Word-of-mouth recommendations from parent to parent may lift it to the level of popularity once held by Dr. Spock’s book on child care.”—Moral Education Forum
In today’s troubling economic times, the quality of our retirement depends upon our own portfolio management. But for most of us, investing can be stressful and confusing, especially when supposedly expert predictions fail. Enter The 3% Signal. Simple and effective, Kelly’s plan can be applied to any type of account, including 401(k)s—and requires only fifteen minutes of strategizing per quarter. No stress. No noise. No confusion.
By targeting three percent growth and adjusting holdings to meet that goal, even novice investors can level the financial playing field and ensure a secure retirement free from the stress of noisy advice that doesn't work. The plan's simple technique cuts through the folly of human emotion by reacting intelligently to price changes and automatically buying low and selling high. Relayed in the same easy-to-understand language that has made The Neatest Little Guide to Stock Market Investing such a staple in the investing community, The 3% Signal is sure to become your most trusted guide to investing success.
From the Trade Paperback edition.
Why does it feel sometimes as if our children have special powers that enable them to tune us out completely? You ask your child to do her homework, get ready for school or bedtime. You think she heard you but . . . no response. You’ve tried everything—time-outs, nagging, counting to three—and nothing seems to work. In this invaluable book, Amy McCready, founder of the popular online parenting course Positive Parenting Solutions, presents a nag-and-scream-free program for compassionately yet effectively, correcting your children’s bad behavior.
McCready draws on Adlerian psychology and Positive Discipline, which focuses on the central idea that every human being has a basic need to feel connected and empowered—children being no exception to the rule. According to McCready, when this need isn’t met in positive ways, kids resort to negative methods. In this book she provides parents with a virtual toolbox of strategies they can use to give their children the attention and power they crave—and do away with the misbehaving that adults dread.
Packed with insider tips and expert advice, QuickBooks 2012: The Official Guide shows you how to set up a comprehensive, well-organized small business financial management system with ease! Find out the most effective methods for accomplishing essential business tasks and customizing QuickBooks for your needs.
Fully endorsed by Intuit, makers of QuickBooks, this official guide provides best practices for tracking finances, managing payroll, processing invoices, controlling inventory, managing sales and expenses, and maximizing the software's features. Run an efficient and successful small business using the proven techniques and time-saving shortcuts inside this authoritative guide to QuickBooks 2012.Configure and customize QuickBooks for your business Avoid common mistakes Enter transactions quickly and accurately Manage accounts payable and receivable Set up and manage inventory Track employee hours and manage payroll Use Online Banking Reconcile bank accounts Set up and manage budgets Create standard and customized business reports Make key business decisions with confidence
Leslie Capachietti, MBA, is a nationally recognized speaker and trainer for Intuit and the Principal of Automated Financial Solutions, an accounting systems consulting firm located in the Boston area. She has been supporting small business owners across the U.S. for more than 15 years, helping them gain control of their financial operations using QuickBooks software. Leslie is the author of QuickBooks 2011: The Official Guide.
This complete summary of the ideas from Robert Kiyosaki and Sharon Lechter's book "The Cashflow Quadrant" explains the four ways in which income can be generated: 1. You can get a job; 2. You can be self employed; 3. You can build and own a business system of some type; 4. You can invest in other businesses. In this summary, it is shown that to focus solely on the first two quadrants mentioned may have negative financial impacts. Explaining how gradually focusing on the third and fourth quadrants can improve your lifestyle, this summary will allow you to stay open to opportunities.
Added-value of this summary:
• Save time
• Understand key concepts
• Expand your business knowledge
To learn more, read "The Cashflow Quadrant" and you will see opportunities where others see difficulties.
If you’re one of the 25 million single women over the age of 45 living in the United States today, AARP’s The Single Woman’s Guide to Retirement is your new best friend. Walking you through the challenges of retired or pre-retired life, from managing your finances to staying healthy in body, mind, and spirit, dealing with divorce, and even looking for love or work, the book covers the issues that really matter to you. Whether you’re looking for a retirement home or planning a cruise, this book is packed with specific details to help take the guesswork out of retirement. Author and retirement expert Jan Cullinane has gathered real-life stories from women just like you to illustrate your options and give you fresh new ideas about how to make the most of your retirement years.
Freshly updated, the book begins with the Five Keys of Parenting, a guide to navigating the extraordinary, even if sometimes exasperating, journey of parenthood. It’s filled with helpful reassurance: Tickle her, play with her, give her piggyback rides. She’s not breakable. And accepting bittersweet reality: Prepare for the day when you’re not the most important man in her life.
Tax time can be a serious drain on your resources—emotionally and financially. For over three decades How to Pay Zero Taxes has helped people just like you save money on their taxes. Engagingly written to make even the most complex information easy to understand, this reader-friendly guide zeroes in on what matters most: tax saving, not tax preparation. Tax expert Jeff Schnepper shares valuable advice on everything from converting personal expenses into business deductions to avoiding (or surviving) an audit.
Fully updated for 2017, the book shows you how to take advantage of IRS-sanctioned deductions, shelters, credits, exemptions, and more. In addition to legal deductions, you’ll find hundreds of insider tips designed to lower your tax bill. Whether you’re a tax professional or a home filer, this book will help you pay less to the IRS this year—and every year.
Whether she feels entitled to retire at age 65, hopes she'll be able to stop working someday, or is convinced she'll never be able to retire, every woman will find real help in these pages. With her signature no-nonsense, energetic style, Hunt assures women that it's only too late if they don't start now. She clearly covers every aspect of retirement planning during every season of a woman's life, giving women the confidence they need to shape their futures.
In this fully revised and updated edition, Swensen, author of the bestselling personal finance guide Unconventional Success, describes the investment process that underpins Yale's endowment. He provides lucid and penetrating insight into the world of institutional funds management, illuminating topics ranging from asset-allocation structures to active fund management. Swensen employs an array of vivid real-world examples, many drawn from his own formidable experience, to address critical concepts such as handling risk, selecting advisors, and weathering market pitfalls.
Swensen offers clear and incisive advice, especially when describing a counterintuitive path. Conventional investing too often leads to buying high and selling low. Trust is more important than flash-in-the-pan success. Expertise, fortitude, and the long view produce positive results where gimmicks and trend following do not.
The original Pioneering Portfolio Management outlined a commonsense template for structuring a well-diversified equity-oriented portfolio. This new edition provides fund managers and students of the market an up-to-date guide for actively managed investment portfolios.
Women have always been wonderful sources of inspiration and support for each other. They are willing to lay bare their souls, even to perfect strangers. Put two random women together in a waiting room, on an airplane, in a line at the supermarket, and the sharing begins, often at the deepest level. Women share hope, humor, and inspiration with each other in these 101 favorite stories from Chicken Soup for the Soul’s library.
Filled with sample 401(k) portfolios for every stage of life
Invest your 401(k) money wisely and make the most of your retirement
Want to know what kind of investment mix you need to make your retirement money grow? Don't know what to do with a 401(k) account from your last job? Worried that your company's 401(k) plan doesn't cut it? Relax! This simple, plain-English guide shows you how to manage your accounts, minimize your risks, and maximize your returns.
The Dummies Way
* Explanations in plain English
* "Get in, get out" information
* Icons and other navigational aids
* Tear-out cheat sheet
* Top ten lists
* A dash of humor and fun
The answers to these questions and more, can be found in Clever Couponing, a book written by the internationally acclaimed author, expert budgeter, and mother of two, Vanessa Johnson.
If you think you’re spending too much money on groceries, you are not alone! A lot of shoppers, especially moms, have gone through the same problems too. Wouldn’t it be nice to learn how you can save more money while still being able to buy everything that your family needs?
Clever Couponing is an all-in-one book that showcases many budgeting strategies, including the use of coupons, that can help the readers establish huge savings.
In Johnson’s book, you will be able to:
· Learn the basics on how to start couponing
· Learn the 4 types of couponers
· Know the 10 commandments of couponing
· Know the best ways to overcome the couponing problems that you may encounter
· Know the 4 key factors that contribute to effective grocery shopping for your family
· Learn the step-by-step process of setting up your family’s budget
· Know how to maintain a budget plan to ultimately establish great savings
That’s not all! The book covers more topics, example scenarios and sheets, and many more!
It is not a book that pushes its readers to instantly delve into couponing rather, it is a book that educates the readers about the correlation between couponing, budgeting and saving, and how these can help families live a healthier and more comfortable life.This book is perfect for the price conscious mothers who are curious of what benefits couponing and budgeting can bring to their lives. If you want to be a smart mom and an efficient couponer, this book is exactly what you need!
Laurie is married, mortgaged, and now—miraculously—employed in the corporate world, discovering that bosses come in all shapes, sizes, and degrees of mental stability. After maxing out her last good credit card at Banana Republic, she’s dressed for success and ready to face the jungle: surviving feral, six-foot-plus Gretchen (“Three Thousand Faces of Eve”) before battling the overbearing, overstuffed (in way-too-small pants) new mom Suzzi, who ruthlessly cancels Laurie’s newspaper column and learns that payback can be a bitch. Laurie also explores the backstabbing world of preschoolers at a Halloween party, the X-rated madness of a family trip to Disneyland, and the pressure from her QVC-addicted mother and the rest of the world to reproduce. But while losing more friends to babies than to booze, she realizes there’s a plus side: at least for a couple of months she gets to be the thinner friend.
I Love Everybody (and Other Atrocious Lies) is Laurie Notaro at her deliciously quirky best. Can a woman prone to what her loved ones might term “meltdowns” (she considers them “Opportunities to Enlighten”) put a smile on her face and love everybody? Take a guess.
From the Trade Paperback edition.
Her riffs on e-mail spam (“With all of these irresistible offers served up to me on a plate, I WANT A PENIS NOW!!”), eBay (“There should be an eBay wading pool, where you can only bid on Precious Moments figurines and Avon products, that you have to make it through before jumping into the deep end”), and the perils of St. Patrick’s Day (“When I’m driving, the last thing I need is a herd of inebriates darting in and out of traffic like loaded chickens”) are the stuff of legend. And for Laurie, it’s all true.
From the Trade Paperback edition.
CPA and Attorney Mark J. Kohler answers the leading tax and legal questions facing small business owners, across all stages of business, and delivers a comprehensive playbook of clear-cut truths, thought-provoking advice, and underutilized solutions to save you time, money, and heartache.
You can read this book straight through or as a reference guide—reading the chapters as needed to answer the questions as they arise. You’ll come away wiser and better equipped to make the best decisions for your business, your family, and yourself.
• The ins and outs behind fundamental business decisions
• Underutilized tax and legal strategies that can save you thousands
• Picking the right legal entity for your business
• Common legal scams and deceptions to avoid
• Protecting your assets and planning for retirement
• Issues are illustrated with entertaining, real-world examples
This book was written to provide every individual who is standing at the precipice of too much debt with the tools they need to settle that debt legally without ruining themselves forever. You will learn everything you need to know about the basics of debt, including what the various kinds secured, unsecured, personal, business, and tax debt entail and how they affect you. You will learn what happens to you when you don't pay, both legally and socially, and what your first steps should be on the road to repairing your debt.
You will learn how to assess your overall risks and what your options are with your creditors. You will learn what vulnerabilities your debt collectors have legally and what you can do to legally challenge the validity of your debt. You will learn how to deal with bill collectors and how to create a line of communication that is two ways and not reliant solely on them making demands. Top financial experts, bill collectors, and one-time debt owers have been contacted and interviewed for this book and their interviews have been included here to provide a complete outline of what you can expect when you try to settle your debt. You will learn how to start negotiating settlements with your creditors and what specific things you can and cannot do when dealing with them.
You will learn the variety of debtor's rights that exist and why they are never told to you, including details about the Fair Debt Collection Practices Act and how this act is legally enforced. For anyone who has ever spent the better part of their life dodging calls from creditors or trying to figure out how to pay those bills next month, this book will be the tool you need to understand how to tackle and deal with your debt.
Atlantic Publishing is a small, independent publishing company based in Ocala, Florida. Founded over twenty years ago in the company presidentâe(tm)s garage, Atlantic Publishing has grown to become a renowned resource for non-fiction books. Today, over 450 titles are in print covering subjects such as small business, healthy living, management, finance, careers, and real estate. Atlantic Publishing prides itself on producing award winning, high-quality manuals that give readers up-to-date, pertinent information, real-world examples, and case studies with expert advice. Every book has resources, contact information, and web sites of the products or companies discussed.
Easy to read, easy to use, and hard to beat, this comprehensive tax-saving guide has become the go-to resource for tax professionals and home filers alike. Unlike other brand-name guides, the book focuses on tax saving, not tax preparation—zeroing in on the one thing you really care about: paying less to the IRS.
Tax expert Jeff Schnepper explains everything you need to know in simple, accessible terms, organizing important subjects like deductions, exemptions, and tax shelters into six simple sections. The book includes the most up-to-date information—and hundreds of insider tips—that can lower your tax bills, and save you a bundle, year after year.
Jeff A. Schnepper, Esq. (Cherry Hill, NJ) is the author of multiple books on finance and taxation, including all previous editions of How to Pay Zero Taxes. He is a financial, tax, and legal advisor for Estate Planning of Delaware Valley and operates a tax, accounting, and legal practice in Cherry Hill, NJ. Mr. Schnepper is Microsoft’s MSN MONEY tax expert, economic editor for USA Today, and tax counsel for Haran, Watson & Company.
General information about the Social Security Administration, plus additional data about Medicare and SSI (Supplemental Security Insurance) is given. Questions and answers are then divided into categories such as:
Additional questions and answers are also included, relating to:
--Calculations of benefits
--Necessary timelines for application of benefits
These are real words written by a real girl. There are thousands more just like her. Her pain is real. Her story is true. But her voice has been hidden… until now.
For those who will dare to listen to the truth, tragedy, and triumph found in the desperate words of a generation eclipsed by the white noise of a culture too busy to care, there are incredible stories to be unearthed. This book is a shocking, inspirational exposé of just a few of these stories—hidden in plain sight. It is written in response to thousands of personal letters and messages, both for those in crisis and for those who share that crisis with them everyday. These are the stories, the responses, and ultimately the hope that we all should own for each other.
As one of the most sought-after public speakers in the world, Reggie Dabbs has shared his own incredible story with millions of adults and students each year for the past twenty-five years. Because of social media, many of them share their own stories with him in return. These letters contain their stories with names and details changed to protect their anonymity, having otherwise been kept in their original form. They are followed by Reggie’s actual response of hope to that individual. John Driver, MS—a former public secondary educator, as well as a fifteen-year community youth advocate and mentor—adds additional insight and “Breathable Moments” for educators, parents, friends, and family.
Equipping readers to help those in crisis continue breathing another day,
Just Keep Breathing provides both the inspiration and the information needed to respond confidently and appropriately—and see those we care about make it to another sunrise.
Succeeding in life takes character, and Lickona shows how irresponsible and destructive behavior can invariably be traced to the absence of good character and its ten essential qualities: wisdom, justice, fortitude, self-control, love, a positive attitude, hard work, integrity, gratitude, and humility.
The culmination of a lifetime’s work in character education from one the preeminent psychologists of our time, this landmark book gives us the tools we need to raise respectful and responsible children, create safe and effective schools, and build the caring and decent society in which we all want to live.
Laurie Notaro has an uncanny ability to attract insanity—and leave readers doubled over with laughter. Need proof? Check out The Idiot Girl and the Flaming Tantrum of Death and try not to bust a gut.
Join Notaro as she experiences the popular phenomenon of laser hair removal (because at least one of her chins should be stubble-free); bemoans the scourge of the Open Mouth Coughers on America’s airplanes and in similarly congested areas; welcomes the newest ex-con (yay, a sex offender!) to her neighborhood; and watches, against her own better judgment, every Discovery Health Channel special on parasites and tapeworms that has ever aired—resulting in an overwhelming fear that a worm the size of a python will soon come a-knocking on her back door.
In Notaro’s world, strangers are stranger than fiction. One must always check the hotel bathroom for hobo hairs and consciously remember not to stare at old men with giant man-boobies. And then there are the lessons she has learned the hard way: Though it may seem like a good idea, it’s best not to hire a tweaked-out homeless guy to clean up your yard.
The Plain Dealer says that Laurie Notaro is “a scream, the freak-magnet of a girlfriend you can’t wait to meet for a drink to hear her latest story.” With The Idiot Girl and the Flaming Tantrum of Death, Notaro proves she’s not only funny but resigned to the fact that you can’t look bad ass in a Prius. Don’t even try.
From the Hardcover edition.
Inside are twenty major financial decisions which could profoundly impact your lifestyle over the next forty years. For many retirees, these decisions come as a surprise and must be made hastily without proper consultation. But by reading the expert, commission-free advice in this book, you'll learn how to manage your assets and prepare for the best possible retirement.Do I have enough money to retire now? How will I cover my medical expenses during retirement? When should I begin taking Social Security? How much should I invest in stocks, bonds, and cash? What criteria should I use to identify the best investments? Should I cancel my life insurance policy? Should I pay off my mortgage at retirement?
Ray E. LeVitre is a Certified Financial Planner with nearly twenty years of experience in the financial services industry, working for Fidelity, CitiCorp, Mutual of New York, and Merrill Lynch before starting his own firm. He has been featured in the Chicago Tribune, Money magazine, Newsweek, and Kiplinger's. A fee-only advisor, Ray does not receive commission from any product or service he recommends.
The International Living Guide to Retiring Overseas on a Budget provides a detailed guide to one of the least-known but most effective retirement strategies in today's chaotic economic environment: retiring abroad. The premise is simple: Enjoy a happier, healthier, more fulfilling retirement than you could possibly afford in the U.S. or Canada by finding the right overseas retirement haven. The book reveals those affordable havens and the strategies for successfully making the move that could save your retirement. Aimed at retirees and near-retirees in the U.S. and Canada, this book's strategies apply just as well to younger people and people with families who are looking for ways to improve their quality of life while at the same time lowering their cost of living. It includes solutions for the challenges of continuing to work and earn money abroad, too.
As long-time contributors to the acknowledged leader in the field, International Living, authors Suzan Haskins and Dan Prescher have at their disposal more than thirty years of International Living experience and expertise in the topic. They've been writing about living overseas for more than 12 years and have created their own broad and deep body of work, including regular blogs on the topic for Huffington Post and AARP. The authors include information and strategies that can be successfully applied by anyone regardless of their political or economic opinions. For anyone who wants a happier, healthier, more affordable life, The International Living Guide to Retiring Overseas on a Budget shows you how to enjoy the romance and excitement of living abroad on an affordable budget.
Warm and fuzzy, anchored in values, and filled with simple words of wisdom, this beloved, bestselling book for parents speaks to the important business of raising sons, and distills their timeless lessons into one nugget of wisdom per page—some lighthearted, some serious, some practical, and some intangible, and all supported by a strong moral backbone.
Freshly updated, the book begins with the Five Keys of Parenting, a guide to navigating the extraordinary, even if sometimes exasperating, journey of parenthood. It’s filled with the importance of nurturing responsibility: Teach him that the world will judge him by his actions, not his intentions. Fun stuff: Have tea with him in the afternoons. Serve cookies. And when he’s ready to go: Hug him fiercely.
assess your debt situation
correct errors and improve your credit report and score
choose the best repair strategy for your situation
prioritize your debts
negotiate with creditors to reduce debts
add positive information to your credit report
avoid identity theft and credit scams
build a solid credit history
This edition of Credit Repair is completely updated with the latest legal developments, and includes dozens of forms and letters that will help you spruce up your credit report as easily as possible!