The same applies to soft commodities, which, especially in times of economic uncertainty, seem to be rapidly gaining popularity among investors worldwide. Some even go as far as claiming that soft commodities are just as safe of an investment as reserved money in the bank while promising better returns.
But what percentage of your portfolio should you allocate to commodities?
In this book, Carey Harris explains why soft commodities are at the bottom of the trade pyramid and how you can take advantage and build a solid investment strategy with what he calls “Poor Man’s Commodities” – even if you don’t have a large budget for investing in the stock market.
Poor Man’s Commodities is a straight forward beginner’s guide to hard and soft commodities, which explains the fundamentals to commodity trading without overwhelming you with information.
Get more bang for your buck and learn how to trade commodities today!
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.
The Financial Peace Planner may be the most valuable purchase you ever make. Dave Ramey's practical regimen, based on his own personal experience with debt, offers hard-won advice and much needed hope to people who find themselves in serious debt and desperate for a way out. This book comes in a workbook format, allowing you to frequently monitor your progress and, most importantly, to face your situation honestly. Loaded with inspirational insights that come from personal experience, this set of books will be life changing for any debt-ridden readers.
You'll find help on how to:
• Assess the urgency of your situation
• Understand where your money's going
• Create a realistic budget
• Dump your debt
• Clean up your credit rating
From the Trade Paperback edition.
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.
Is your house overflowing with stuff that you don’t use or need? Clutter can:
• Overwhelm the senses
• Consume space
• Drain energy from our surroundings
• Cause stress and anxiety
This book will show you how to lighten up so you can walk into your home and be surrounded only by the things you love. Living in a minimalistic way means clearing the clutter from your life to focus on what’s truly important. Chances are, 75% of the things in your home are no benefit to your life at all. You’ll also find that throwing out a few garbage bags feels even better than therapy.
Why do you hold onto things? Here are just some of the reasons:
• Security—but the paradox is that the more we cling, the more frustrated and overwhelmed we feel.
• Addiction—shopping is a high and the novelty wears off.
• Approval—keeping material representations of who we are is one way we show off.
• Identity—we identify with what we own so that’s why we’re upset when something is stolen or broken.
• Obligation to others—we please others by keeping gifts and inherited things we don’t really like or need.
By letting go of possessions that no longer serves us, we can
• Let go of old beliefs
• Open ourselves up to new opportunities and relationships
• See your home, your life for what they really are
• Need less and do more
• Cultivate meaningful relationships
• Be more in tune with yourself in a meditative space
• Stop shopping as a form of therapy
• Stop wasting money
• Restore clarity
• FIND WHAT YOU REALLY VALUE
When you have inner clutter, it expands to your environment. So when you live in a clean and soothing environment, it can only benefit your inner life.
Don’t let the word minimalism scare you. Minimalistic living is not about getting rid of modern advancements and living in the stone age. It’s only about keeping things that are useful, meaningful and add value to your life. While it does not place importance on material things and lavish living, minimalism is also not about denying yourself of the things you need.
The guide is divided by different rooms and topics to make it easy and practical to refer to.
• Living Room
• Children’s Rooms
• Teen Rooms
• Computer & Technology
• Sentimental Objects
• Cards & Letters
This book also helps you
• Recognize Clutter
• Declutter, clean & organize your home room by room
• Sell your things for profit
• Shop for a minimalist wardrobe
• Get your family on board
• Declutter digital content and computer files
• Go car-free or car-lite
• Surround yourself with people who add value to your life
• Maintain your space once you’ve minimalized
Living with less is the first step to a peaceful mind. It makes space for the new to come in. Buy the book, put it into practice and welcome positive change into your life now.
From struggling financially all the way up to building a successful worldwide ministry and enjoying financial freedom, author Gary Keesee shares his journey and his proven successful principles so you can control your finances.
You will learn the spiritual laws of God’s Kingdom and exactly how to apply each principle discussed. Also clearly and expertly explained is how to:Find lost money.Put a plan in place to be out of debt in less than 7 years (including your mortgage!).Save in every area of life.See that the financial laws of the Kingdom can intersect with the natural realm to bring you freedom from worry and fear.From pitfalls to avoid to proactive steps to take, the path to financial freedom is clearly illuminated.
Fixing the Money Thing is not a book of boring numbers and budgets—it is an inspirational book that will change your life in many positive and lucrative ways.
More than 40 percent of families today are feeling financial pressure: spending more than they earn, and worrying about retiring and being dependent on the government, family, or charity. Larry Winget knows. He grew up poor, then made and lost a fortune when a business in which he?d invested went bankrupt. But he worked his way back from rock bottom to become a multimillionaire.
In You?re Broke Because You Want to Be, Winget expands on the ideas that have made his popular television show Big Spender a hit and offers straightforward talk about coming to grips with your finances, such as:
· Feel bad. Have remorse. You need to feel deep emotion to take action. So start crying and take responsibility.
· Figure out who you owe and how much you owe. It?ll be a scary number to face, but you need to know where you are and what you have.
· ?People are stupid, lazy, or they don?t give a damn.? You already know you need to do something; Larry will help you finally do something.
· Are you more interested in looking cool and being cute or providing a financially secure future for your family? How you spend your money will tell you that. With a boot-camp regimen that is steeped in personal accountability, Winget cuts through the double-talk contained in most finance books and presents a simple, guided program that is sure to motivate anyone out of their money problems.
From the Trade Paperback edition.
Meet Steve and Annette Economides. They’ve been called cheapskates, thriftaholics, and tightwads, but in these tough economic times, Steve and Annette have managed to feed their family of seven on just $350 per month, pay off their first house in nine years and purchase a second, larger home, buy cars with cash, take wonderful vacations, and put money in savings. Without degrees in finance or six-figure salaries, Steve and Annette have created a comfortable, debt-free life for themselves and their children. In America’s Cheapest Family Gets You Right on the Money, they show you how they did it- and how you can do it too.
Steve and Annette share many down-to-earth principles and the simple spending plan that they have used since 1982. They have taught this economizing lifestyle to thousands of people worldwide through seminars and their newsletter, and they include lots of real-life stories to make you feel as if you’re having your own private coaching session. Not only will you find solutions to your financial dilemmas, you’ll also discover a whole new way of life.
You don’t need to be a CPA or a math wizard to learn their revolutionary system, which will teach you:
- hundreds of ways to save money on everyday household expenses, including groceries, clothing, and health care
- how to save in advance for major purchases such as homes, cars, and vacations
- how to stop living paycheck to paycheck
- how to eliminate debt . . . forever!
America’s Cheapest Family Gets You Right on the Money puts meeting your financial goals- and living well at the same time- in reach for every family.
From the Trade Paperback edition.
Combining real-life recommendations with the motivation to overcome financial anxieties, Suze Orman offers the keys to providing for yourself and your family, including:
* seeing how your past holds the key to your financial future
* facing your fears and creating new truths
* trusting yourself more than you trust others
* being open to receiving all that you are meant to have
* understanding the lessons of the money cycle
The 9 Steps to Financial Freedom is useful advice and inspiration from the leading voice in personal finance. As Orman shows, managing money is far more than a matter of balancing your checkbook or picking the right investments. It's about redefining financial freedom -- and realizing that you are worth far more than your money.
Zombie Economics is for anyone in the midst of financial uncertainty, a place where carelessness and timidity will cost you. From the creeping spread of unpaid bills to the lumbering advance of creditors, Zombie Economics confronts the biggest threats to your personal economy, takes aim, and then takes them down. Specific chapters include:
•A Basement Full of Ammo: Saving yourself by saving money
•They'll Eat the Fat Ones First: Using fitness as a financial asset
•Shooting Dad in the Head: Ending your relationships with the financially infected
With simple, easy-to-use techniques for identifying-and eliminating-your financial weak spots, Zombie Economics turns victims into survivors.
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User-friendly and alphabetically listed, Feng shui Dos and Taboos for Love provides you with hundreds of tips from many different feng shui schools to help you reach your goals with confidence. From the boardroom to the bedroom, friends to families, harmonious and successful relationships achieved through feng shui can empower every person who reads this book.
For previous generations, living within your means was a simple formula. Now, with the staggering rise in education, health care, and housing costs, millions of people find themselves skating from paycheck to paycheck with no idea how to move forward.
As the most-read personal finance columnist on the Internet, Liz Weston has heard the questions and has the answers. Her 10 Commandments of Money will help readers avoid critical mistakes, survive the bad times, and thrive in the good ones. Just a few of Weston's invaluable pointers include how to:
• Balance Your Budget
• Pay Down Toxic Debt
• Get the Right Mortgage
• Pay for College
• Save for Retirement
• Maximize Your Financial Flexibility
Liz Weston's goal is to provide THE practical guide to the brave new world of money. What Sylvia Porter's Money Book was to the 1970s, The 10 Commandments of Money will be for the 2010s.
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IF YOU ARE IN YOUR 20s OR 30s: Your Money Ratios will tell you how to get started and what you need to do over the next 35 years to stay on track. If you are lucky enough to read this book when you are young, you will have a clear vision for where you need to go throughout your working career. By setting yourself on the right path, you won’t have to work so hard later in life to meet your goals.
IF YOU ARE IN YOUR 40s: You can benchmark your own financial circumstances against the ratios and see how you are doing with respect to your savings, debt, investments and insurance. You have plenty of time to make adjustments if necessary and plot out your path to retirement.
IF YOU ARE IN YOUR 50s: The formula will provide you with a realistic assessment of your ability to retire. It will help you make the important decisions about how to allocate your financial resources over the next 10 to 15 years, and how to put on the final push for retirement.
“A must read for anyone wanting to get their head above water.”—The Wall Street Journal
THE CLASSIC GUIDE, REVISED WITH UP-TO-THE-MINUTE INFORMATION
OUT OF THE RED
• Do this month’s bills pile up before you’ve paid last month’s?
• Do you regularly receive past-due notices?
• Do you get letters threatening legal action if immediate payment is not made?
• Do the total amounts of your revolving charge accounts keep rising?
INTO THE BLACK
Whether you are currently in debt or fear you’re falling into debt, you are not alone. Sixty million Americans—from doctors to secretaries, from executives to the unemployed—face the same problem and live under the same daily stress. Based on the proven techniques of the national Debtors Anonymous program, here is the first complete, step-by-step guide to getting out of debt once and for all. You’ll learn
• how to recognize the warning signs of serious debt
• how to negotiate with angry creditors, collection agencies, and the IRS
• how to design a realistic and painless payback schedule
• how to identify your spending blind spots
• how to cope with the anxiety and daily pressures of owing money
• plus the three cardinal rules for staying out of debt forever, and much more!
This book is neither sponsored nor endorsed by Debtors Anonymous. A recovered debtor, the author is intimately familiar with the success of the Debtors Anonymous program.
From the Trade Paperback edition.
When Angela Nissel found herself struggling financially while in college, instead of sulking, she decided to entertain herself by creating an online journal that chronicled her day-to-day trials and tribulations. Written with humor and intelligence, her “Broke Diary” quickly found an audience as people wrote to Angela to empathize with, console, and laugh with her about her experiences and even share their own. The Broke Diaries is the first complete compilation of her experiences, written in a voice that is funny, unique, and dead-on.
On buying ramen noodles: I am sooooooo embarassed. I only have 33 cents. I (please don’t laugh) put the money on the counter and quickly attempt to dash out with my Chicken Flavored Salt Noodles. The guy calls me back! I look up instinctively, I should have run . . . Why didn’t I run???!! He tells me the noodles are 35 cents. I try to apologize sincerely. I thought the sign said 33 cents yesterday, so that’s all I brought with me. Could he wait while I ran home and get the 2 cents? I show him my student I.D. to let him know I am not a thief. He shakes his head and motions either for me to get the hell out of his store and never come back again or get the money as do come back. I don’t know. He said something like “Nyeh” and swiped his hand in my direction.
I can’t translate hand motions well.
The noodles: tasty!!!
Feng Shui is an ancient Chinese practice that brings ever-growing benefits to those who apply it to their lives. As the world becomes increasingly aware of this auspicious art, Lillian Too takes her more experienced follower to new and exciting levels of understanding with FENG SHUI MASTER PRACTITIONER.
The basic principles of Feng Shui are easy to understand, but if you want to add real depth to your practise then this guide to advanced Feng Shui is essential reading.
Beautifully illustrated with diagrams and line drawings, the book looks in depth at the secrets of the LoPan, the Flying Natal Charts, the cycles of time and space in Feng Shui and how to use these applications to protect both you and your family from life's obstacles now and for many generations to come.
If you are already enjoying the benefits of Feng Shui in your life then this is a book you cannot afford to be without!
Nine years ago I was in debt because of the huge legal fees and the loss of my job. I was an innocent victim fighting for justice. The lawyer's fee almost bankrupt me. I resorted to borrowing from my family, the bank and my credit card was max out. The money goes to pay high interest. I got deeper and deeper into the debt sink hole. I was frustrated and depressed about my situation.
That experience motivated me to do everything to get myself out of debt. I read as many books as I can find in the public library, and spending hours researching on the Internet. I did everything I possible could. It took me more than a year to get out of debt.
Out of this painful experience, come this book. From all these experiences and research , I developed the strategies to get out of debt and live a debt free life. It worked for me. It can work for you.
In this book, you will discover:
- Warning Signs of Too Much Debt
- Why People are in Debt
- The Truth about Debt
- The Credit Card scam
- The power of Compound Interest
- How to stop the financial hemorrhage
- How to Live Below Your Means
- How to create a Repayment Plan
- How to create a Spending Plan
- How to Save
- How to Increase Your Earning Capability
- How to Cultivate a Prosperity Mindset
When you implement the strategies in this book, you will discover the truth and the lies about credit card, you will know how to get out of debt, and live a Debt-Free Life and prosperous life.
This is a very small cost to invest in getting debt free! You will save far more than the cost of book, The amount is less than a hour of personal coaching. Apply what you learn and it will get you out of debts forever.
Previous generations have had some help in achieving financial security that young people can't count on today: generous employer pensions, steady housing price increases, and a well-funded Social Security program, to name a few. In short, the old "muddle through" approach won't cut it anymore - not even close. A steady income is still a must, but parlaying this into long-term financial security is now an entirely different proposition than ever before. The institutions of the past can no longer be relied upon to handle the process; each person now needs to manage the long-term financial planning and decision making on their own.
Fortunately, though, anyone just starting out can still achieve a very strong financial future from almost any income level - but only by doing the right things to make it happen. Those things aren't particularly hard to understand or to do, but it is important to do them right, to do them consistently, and to do them in the right order. Most importantly, if you get an early start, the risks are minimal and the payoff is substantial. But each year that passes, the risks go up and the payoff goes down. If you have just started out in your financial life, or if you are just about to, and you want a complete and practical education in the fundamentals of personal finance for a secure future, then this book is for you. Chris Smith guides readers through the basics of saving, investing, and financial planning in language that is clear, accessible, and lively, making difficult concepts understandable to the novice, and enjoyable to those who already have some understanding. He shows readers how to apply this knowledge, and to avoid the most common pitfalls, to insure the best possible outcome for long-term financial security.
Middle-class incomes are stretched more than ever. Feeling the strain himself, personal finance columnist Brian O’Connor decided to put his own family’s spending to the test. He began a ten-week experiment to see if his family could cut its monthly living expenses by $1,000—without sacrificing anything truly important. From groceries and transportation to entertainment and insurance, O’Connor ruthlessly tackled his family’s Top 10 spending categories with an eye on rooting out big savings.
As he shares his family’s cost-cutting adventures, O’Connor offers helpful strategies for getting your own finances back on track. Whether he’s sharing secrets to shrinking your grocery tab or helping you scour bills for unnecessary fees, O’Connor tackles the frustrations and fears of controlling your own financial fate.
The five elements—Wood, Fire, Earth, Metal, Water—are the threads of energy that connect all living beings with nature. Learn how each element is expressed not only in nature, but also through you and your home. Start with a quiz to understand your elemental makeup. Then follow the three-step formula to incorporate feng shui into your life. With a room-to-room guide for using the five elements, instructions for healing spaces both inside and outside, and much more, Decorating With the Five Elements of Feng Shui will help you find harmony in your body, your home, and the world.
Specializing in personal finance (with an emphasis on personal), Stefanie engages those who shy away from the word "investing," scoff at the word "budget," and equate interest rates with "snooze fest." She encourages readers to redefine their relationship with money and approach budgeting as an exciting and sexy tool to transform from broke to beautiful while enjoying every step along the way.
You may not be a millionaire now or in six months, but you can become one if you change your mindset and adopt proven financial strategies that have helped countless others become true millionaires.
There's no need to live frugally to achieve financial freedom in the future. Instead, you should focus on making smart choices based on your personal needs and wants. Of course, you can't avoid spending some money but you'll want to figure out how to put aside funds and accumulate wealth for later years.
Based on advice from the acclaimed newsletter, The Franklin Prosperity Report, you will learn how to:
• Maximize your Social Security income
• Make money in real estate without risking your investment
• Reduce your income tax payments
• Acquire income-producing dividend stocks
• Start your own business
Classical Feng Shui for Romance, Sex & Relationships is filled with effective methods for attracting love, prosperity, and even your soul mate. Use this comprehensive guide to improve not just the energy of your living space today, but also your happiness for many years to come.
Do you know if you have enough? Do you know how much is enough? If you can't answer these questions, Master Your Money is for you.
In this book, Ron Blue extracts principles from God's Word and applies them to your financial portfolio.
Learn how to:Avoid the most common financial mistakesApply biblical principles for money managementSave, invest, and give wiselyCreate a long-term financial plan that worksPlan for your taxes and estate needsGet out of debt
Ron’s professional experience in financial planning will ease your anxieties over money and be an asset to you and your family for generations to come. Learn the tools and techniques you need to move forward toward true financial freedom.
This new edition includes important updates and new content, making it timely and relevant.
You can increase your good fortune, your good luck potential, and attract what you want into your life. Chinese Astrology 2016, Year of the Fire Monkey includes predictions for each Chinese Zodiac sign in the areas of:
* Finding new love or supporting your existing relationship
* Financial opportunities and career/job prospects
* Home and family (as well as tips for increasing fertility energy)
* Energy surrounding legal matters and education
* You and your family's protection and safety, and much more!
You'll have access to this comprehensive information, right at your fingertips!
In Chinese Astrology 2016: Year of the Fire Monkey you will find more than just predictions. You'll find easy-to-follow guidelines to help you work with specific Feng Shui Cures for each individual Chinese Zodiac Sign. This book also contains:
* Mercury Retrograde dates and tips
* Solar and Lunar Eclipse dates and information
* 2016 Flying Star predictions
* How best to celebrate Chinese New Year, February 8, 2016, to bring in luck, love and prosperity energy
This is the best book you will find that reveals forecasts for every aspect of your life in the coming year 2016. Chinese Astrology: 2016 Year of the Fire Monkey will be your invaluable tool on the way to reaching the next level of personal success and fulfillment.
Author Donna Stellhorn has included two special bonus sections in her book. First, the bonus chapter on the 144 compatibility combinations in Chinese astrology can help you find out who you click with; and then you can discover tips about the best things to do when you want a relationship with someone to work out. Another chapter explores how to work with gemstones and crystals, and offers instructions on how to energetically clear gemstones and crystals. You can use this information to make the crystals and gemstones you already own more powerful and more effective. And there's an excellent excerpt from her book, Feng Shui Form, about how to use Feng Shui to enhance positive energy in your bedroom.
Imagine yourself a year from now...you're at a party, talking to some people you've just met. They are frustrated and worried about their jobs, their relationships, and whether or not they will have the money they need in the future. You listen, but you're not sure what to say to them, because inside, you feel very happy and very blessed. Why? Because a year ago you took the time to review what was ahead for you. You took some simple steps to improve your situation. You took action to create positive luck for yourself and your loved ones. Now you are in a whole new place in your life. And it feels good! Get your copy of Chinese Astrology 2016, Year of the Fire Monkey now, and make the most of this opportunity to get ahead in your life!
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.
Today's woman may have a dwindling stock portfolio, but that shouldn't make her bite one well-manicured nail with worry. Rosalyn Hoffman dishes up the wisdom women need to get perfect style without busting what's left of their bank accounts.
The author is a recession-era fashion guru, travel agent, grooming consultant, therapist, sommelier, and life coach all rolled into one, and with this book vows no coupon clipping, Prada depriving, carb hating allowed. Because it doesn't take oodles of moola to live well- and that's one trend that will never go out of style.
Take a look around you. What do you see? Whether or not you're aware of it, your environment profoundly affects your health, wealth, family life, relationship, and yes, even your destiny.
Feng Shui (pronounced fung shway), which means wind water, is the ancient Chinese study of harmony and energy flow between you and your physical surroundings. Now, Feng Shui For Dummies, 2nd Edition shows you how you can apply Feng Shui principles to your home (inside and out) and workplace (from window office to cubicle) in order to achieve a better life.Principles are explained in an easy-to-understand language Practical tips show you how to incorporate the traditions of Feng Shui to your everyday life Before-and-after illustrations and full-color photos of real-life Feng Shui makeovers in an all-new 8-page color insert
Free of technical jargon and brimming with practical tips and advice, Feng Shui For Dummies shows you how to feel and access the energy of your environment and create harmony and happiness in your life.
—Denise Linn, author of Feng Shui for the Soul
Of all the possible uses for Feng Shui, abundance remains one of its prime objectives. But what does abundance really mean? In Feng Shui for Abundance, Feng Shui expert David Daniel Kennedy shows you how to open to the multidimensional experience of abundance—from financial wealth to success in personal and professional relationships, to a deeper sense of divine connection and purpose.
The secret to successful Feng Shui practice, teaches Kennedy, begins with a greater understanding of qi—life force—and how we can harness this flow of vital energy to turn intention into reality. In Feng Shui for Abundance, he teaches you the key methods for working with qi to create whatever form of abundance you desire, through in-depth instruction covering:Secret cures from the Black Sect Tantric Buddhist (BTB) Feng Shui tradition for improved physical health, increased wisdom, and emotional balanceHow to effectively place the Eight Trigrams and the Ba-Gua on your home floor plan—diagrams included!The 16 Methods for nourishing your life force, and much more
With Feng Shui for Abundance, you can easily access the pinnacle practices of the living art of Feng Shui, all in one convenient, information-packed resource.
This complete summary of the ideas from George S. Clason's book "The Richest Man in Babylon" explains how to be financially successful in order to achieve future dreams and ambitions. This useful summary provides you with timeless financial principles, as well as the basics of effective money management, thus giving you the tools to make your business thrive.
Added-value of this summary:
• Save time
• Understand key concepts
• Improve your chances of financial success
To learn more, read "The Richest Man in Babylon" and discover how to manage your money effectively.
Some people wonder why, some Fengshui cures work for some, but not for others. If we were to pinpoint the culprit for non-working cures, misconceptions of Fengshui are the main culprits that are behind the non-working cures.
In the era of information technology, many Fengshui enthusiasts turn to the internet for information regarding Fengshui. With so much information about Fengshui being easily available, practically anyone can claim to have some knowledge about Fengshui. And even though one may not be a Fengshui practitioner – it is not uncommon for someone with some knowledge about Fengshui go on to “give advice” to others about Fengshui, creating a cycle of “anything goes” when it comes to Fengshui advice.
This book was written with the objective of bringing you into the world of Fengshui, the basics behind this intangible art, the misconceptions about Fengshui and the masters, the cures that we can apply in our own home or office, and what we need to know to understand this art better.
Most importantly, this book compiles simple and basic secrets that many masters are not willing to share.
Put together from the cases the author handled, this book provides you with the perspectives of both Fengshui masters and Fengshui clients. This book also explains why some cures don’t work, and why some cures do. This book will be sharing with you the case studies and examples to illustrate the points without too many technical details that may confuse you. This book will be able to allow you to look at Fengshui from a different point of view.
No matter if you are a believer, a sceptic, or a neutral, this book aims to serve as a reading pleasure that makes Fengshui less of a debatable subject.
Americans are hungry for bargains these days, but one woman has developed the ultimate strategy for enjoying a feast of savings. Taking the nation by storm, with appearances ranging from The Oprah Winfrey Show Stephanie Nelson has shown countless women and men how to save thousands of dollars by becoming savvy coupon clippers-without sacrificing nutrition or quality. Now, in The Coupon Mom's Guide to Cutting Your Grocery Bills in Half, Nelson demonstrates all of the tricks of the trade-beyond coupons and tailor-made for a variety of shopper lifestyles. Whether you're a "busy" shopper and have only a small amount of time each week to devote to finding the best deal; a "rookie" shopper who is ready to put more effort into cutting bills; or a seasoned "varsity" shopper who is looking for new ways to get the deepest discounts possible, this book offers techniques thatw ill make it easy to save money at any level and on any timetable.
Extending her Strategic Shopping protocols to mass merchandisers, wholesale clubs, natural-food stores, drugstores, and other retailers, Nelson proves that value and variety can go hand in hand. With meal- planning tips, recipes, and cost-comparison guides, as well as inspiring real-life stories from the phenomenal Coupon Mom movement, this is a priceless guide to turning the checkout lane into a road of riches.
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Let America's most popular cheapskate show you how to go from financial chaos to freedom and security--painlessly and in less time than you ever imagined.
Mary Hunt has helped thousands live a debt-free life with her popular newsletter, "The Cheapskate Monthly." In The Complete Cheapskate, Mary puts all the very best money advice she has in one place. Becoming a classy, dignified cheapskate is not all that difficult, and Mary shows how with her user-friendly principles of saving, restraint, and living debt-free.
This book will teach you how to:
- Create--and stick to--a monthly spending plan
- Live well off 80% of your income
- Climb out--and stay out--of debt's hole
- Stretch every dollar to its absolute maximum
- Manage savings and investments
- Lower bills on clothes, food, and gifts without lowering living standards
- Live within a financial plan that includes a margin for fun and spontaneity
With hundreds of tips on cutting expenses, The Complete Cheapskate is the indispensable guide for people ready to regain control of their finances, relieve the stress money has created, and prepare for their future.
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.
Feng shui, the Chinese aesthetic practice of arranging your environment to maximize the flow of energy, has entered the mainstream of American culture, with more and more Americans realizing every day that feng shui is no New Age fad, but a proven and practical way to improve your life.
This compact yet thorough guide to using feng shui to create prosperity and abundance helps you quickly gain a solid understanding of the basic principles of feng shui, as well as a fuller appreciation of the many varieties of success it can help you achieve.
Unlike many Americanized feng shui books, Feng Shui for Success doesn?t just concentrate on superficial quick fixes that amount to little more than home-decorating advice?its explanations and exercises help anyone, even feng shui novices, understand not only how to best practice feng shui to achieve success, but why it works.
Feng Shui for Success helps readers learn to:
· evaluate new property, especially property used for business
· deal with office politics
· analyze the flow of energy in a home or business
· find out what the critical spaces are to cultivate prosperity
· discover the impact of a room?s layout on the vital energy we use to accomplish our goals
· understand the feng shui properties and qualities of any environment you find yourself in
Chapter 7 involves the surrender of property to pay debts, while a Chapter 13 bankruptcy allows for the retention of property but requires payments over the next three to five years. A person who finds himself or herself in this undesirable situation may wonder how they are ever going to repair their credit. How to Get Credit after Filing Bankruptcy: The Complete Guide to Getting and Keeping Your Credit under Control provides the answers in a clear-cut, easy-to-read manner. The author tells you how to take charge of your credit so you can apply for loans and mortgages and obtain low interest rates.
In addition, you will learn how to order a copy of your credit report, how to check your credit report for accuracy, how to read it, how to avoid discrimination and credit repair scams, how to apply for an unsecured credit card, how to report your good work to bureaus if creditors do not, how to maintain good relationships with your bank and creditors, how to consolidate all your debt, how to lessen your reliance on credit cards, and how to decide if lawyer-assisted credit repair is right for you. You will also learn simple strategies for making payments on time and for rebuilding your credit.
Whether you have just declared bankruptcy or you have been living with the stigma for years, this new book will provide you with all the information you need to take a step in the right direction.
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.
So you’ve met the love of your life and have settled down. Or perhaps you’re planning a splashy wedding, expecting your first child, or buying a chic house together. Life is fantabulous!
The trick is keeping it that way. Money matters are the number one cause of separation and divorce in North America and you can avoid heartache by learning how to merge, manage, and grow your finances together.
Bestselling author Lesley-Anne Scorgie helps couples build a powerful financial, personal, and professional foundation by following these seven steps to build wealth together:
Get on the same page Scrap your emotions and sort out your accounts Curb overspending Get the hell out of debt Own the walls you live in Invest like a pro Design your master money plan Whether you’re rich, poor, or just getting by, The Modern Couple’s Money Guide will show you the key steps needed to reach your financial potential together.
The author calls upon the timeless wisdom of Solomon and Aesop's fables, along with modern insights from Warren Buffett and Vanguard founder John Bogle, to help readers rediscover the simple secrets to avoiding life's big financial and life MESSTAKES.
Readers will learn:Four simple secrets to achieving financial independence Five steps to generating a great income Five great secrets to living a highly successful life
In Feng Shui, Angel Thompson, a noted expert, explains how you can make small (or large) changes in your home or office environment to increase the flow of positive energy. Thompson's clear, practical approach provides dozens of helpful tips for making any size and type of space better.
Crystal Paine, who has helped busy women everywhere take control of their finances, presents her most effective strategies designed for families of all sizes and income levels. With hundreds of inspiring “why didn’t I think of that?” tips, plus worksheets, Paine breaks down your goals into easy, manageable steps so you can:
• Achieve a complete financial makeover
• Set up a realistic budget
• Never pay retail
• Slash your grocery bill
• Organize your time and your home
• Use coupons wisely
• Pay with cash only
• Live simply
• Become debt free
• Choose contentment
• Make every dollar count
Author, artist, and CPA Elaine Grogan Luttrull has written Arts & Numbers to help creative professionals find the same confidence in their financial dealings as in their chosen mode of expression. It is an engaging, accessible guide that covers a variety of must-know topics, such as budgeting, cash management, visual charting, taxes, employment, and business etiquette. In a simple, straightforward style, Luttrull draws examples from smooth-flowing narratives depicting common issues within the arts worlds, as well as from her own personal anecdotes. Unlike stuffy textbooks and patronizing business books, Arts & Numbers is a lively and artfully done ally in helping creative professionals plan their present financial situations and secure their futures.
Stop Living Paycheck to Paycheck and Get Your Financial Life Together (#GYFLT)!
If you’re a cash-strapped 20- or 30-something, it’s easy to get freaked out by finances. But you’re not doomed to spend your life drowning in debt or mystified by money. It’s time to stop scraping by and take control of your money and your life with this savvy and smart guide.
Broke Millennial shows step-by-step how to go from flat-broke to financial badass. Unlike most personal finance books out there, it doesn’t just cover boring stuff like credit card debt, investing, and dealing with the dreaded “B” word (budgeting). Financial expert Erin Lowry goes beyond the basics to tackle tricky money matters and situations most of us face #IRL, including:
- Understanding your relationship with moolah: do you treat it like a Tinder date or marriage material?
- Managing student loans without having a full-on panic attack
- What to do when you’re out with your crew and can’t afford to split the bill evenly
- How to get “financially naked” with your partner and find out his or her “number” (debt number, of course) . . . and much more.
Packed with refreshingly simple advice and hilarious true stories, Broke Millennial is the essential roadmap every financially clueless millennial needs to become a money master. So what are you waiting for? Let’s #GYFLT!
You will know
• Your personal favorable directions of the year;
• the auspicious rooms in your home and office;
• the inauspicious rooms in your home and office;
• remedies and enhancers for inauspicious rooms;
• the outcome of events in your life based on your personal gua number;
• the outcome of events in your life based on the room you use frequently;
• the outcome of events in your life based on your bazi (Chinese Astrology);
• the rooms that help you achieve success in different aspects of your life;
• rooms to avoid construction and repair work;
• how different businesses will perform in 2017;
• stock/share market performance;
• global health issues that could happen;
• general predictions on weather, political scenario.
Feng shui 2017 contains all of the above and more. You get all this valuable information without having to spend any time learning jargons.
What can you do after reading the book?
• Place the remedies and enhancers as given in the book;
• plan your investments and finances according to the predictions given ;
• plan your career according to the predictions given;
• get a medical check-up done (if mentioned in the book);
• see yourself succeed in life by using your personal favorable direction mixed with auspicious rooms in your home and office;
• you can ensure everyone in the family including expecting mothers,
• recuperating patients, the elders, children. and babies of the house have a healthy 2017;
• you can ensure academic excellence for your children by using their personal favorable directions and rooms;
• you can have a smooth relationship with your partner or if you are single you can find love.
This book is suitable for you only if you want to
• invest in your life;
• succeed in life and don't mind a little help from the heaven;
• transform to become a better individual;
• lead a happy, healthy, wealthy and safe life;
• be lucky in 2017;have a prosperous and happy 2017.
Many of the worksheets in this book are available online and can be saved, printed, and recalculated at any time. Go to: WSJ.com/BookTools
Understanding your money, and getting it to work for you, is more important today than it ever was, because you alone are responsible for every aspect of your financial life, from managing your day-to-day living expenses to planning a college savings fund and, ultimately, retirement. The sooner you start taking control of your financial life the better, and there’s no greater authority on financial matters than The Wall Street Journal. This workbook takes the mystery out of personal finance and addresses every topic you’ll need to master, from building a solid financial base to growing your financial assets. Worksheets, charts, and step-by-step instructions throughout help you do the math and work through the basics, making it quick and easy to organize your cash and eventually build wealth. Learn how to:
• Create a spending plan and budget
• Balance a checkbook
• Make decisions about what types of— and how much—insurance you need
• Manage credit and debt
• Finance big expenses like real estate and education
• Understand and properly assess your own appetite for risk
• Formulate the right asset allocation
• Start building an investment portfolio
• Make real estate decisions like purchasing vs. renting
• Refinance a mortgage
• Manage your 401(k)
• Deal with taxes
• Plan for college expenses
Also available—the companion to this workbook: The Wall Street Journal Complete Personal Finance Guidebook, by Jeff D. Opdyke
Get your financial life in order with help from The Wall Street Journal. Look for:
• The Wall Street Journal Complete Money and Investing Guidebook
• The Wall Street Journal Complete Identity Theft Guidebook
• The Wall Street Journal Complete Real Estate Investing Guidebook
From the Trade Paperback edition.