Authors and money-management experts Lyle and Tracy Shamo say, "Like it or not, meeting basic needs has nothing to do with poverty and everything to do with how well we manage our money." In this practical guidebook, the authors will help you take control of your money, teaching you how to pay off your debt-including your mortgage and car loans- and stay out of debt. Advanced computer software (included on a CD-ROM that comes with the book) will help you assess your financial status, learn more about where your money is going and discover how to channel it to the right places.

    Richard Bedard was a journalist in his mid-40s, living abroad, when he was diagnosed with patellofemoral pain syndrome, or chondromalacia patella. His burning joints made his life so miserable that he fantasized about hacking off his kneecaps. Four doctors failed to help; one said he would never get better. His physical therapist finally gave up too.Unable to sit normally, he quit his job. Unemployed and desperate, he launched a year-long, round-the-clock experiment to save his knees. He read from scores of clinical studies, medical textbooks, health newsletters. What he discovered left him stunned. There was a familiar story about what patellofemoral pain syndrome was and how to treat it: The advice to focus on strengthening the quads. To stretch. To take glucosamine. To forget about cartilage healing, because that never happened.And that story was completely wrong.Armed with this knowledge, he fashioned a plan to get better. Within two years, he fully recovered. This compelling story chronicles a long journey of healing and discovery. It shows that a patient’s true ally isn’t simply hope, but informed hope.

    Most people know how important it is to manage their money wisely. But most budget books are cumbersome and overly technical. And computerized budgeting systems are complex and temperamental. This book presents a simple, easy-to-use, and effective system that makes budgeting as easy as writing a check.

    In his familiar, warm style, Elder Richard G. Scott of the Quorum of the Twelve outlines the truths we need to understand and embrace to live a life of peace, happiness, and joy. He covers such important topics as developing a godly character, receiving and responding to heavenly guidance, repenting of our sins, loving others, and learning to cope with what seems unfair. Using insightful stories and examples, Elder Scott mentors the reader while at the same time he teaches with profound apostolic counsel. If we will trust in the Lord's promises and accept the gifts he offers us, if we are obedient to his commandments, then we too can fulfill the scriptural declaration, "Men are, that they might have joy."

    His travels take him to a pond whose dwellers, ruled by Toad the Elder, have never questioned the certainty of their surroundings. But two young frogs, Daikon and Hodo, inquisitive and rebellious, convince Ping to take them on a journey that will change their lives forever.This delightful story captures the fears and doubts faced by all who choose to leave the familiar to make their way in an unknown world, and teaches them to find their true path. As Ping says, "It is never too late to be what you can become."

    It feels creative and satisfying and will set you up for a lifetime of good habits, no matter the age you are starting from. My wish for this book is that it encourages you to think about money in a way that makes you feel in control, uplifted and inspired to steer yourself towards a joyous and prosperous future. I want to share my contagious beliefs that dealing with your money can be fun and exciting. I know many women have a fractious relationship with their finances and can often be quite scared of dealing with things. I have felt that way in the past too. I do hope you will join me in this journey because it feels so much better to have a good relationship with your money than not. I love the saying Look after your money, and your money will look after you. It does not have to be scary, and you do not have to worry about becoming greedy if you focus on your finances; all that will happen is that this important area of your life will feel happier, freer and more bountiful. It is a glorious feeling and it is well within your reach. I hope that by the end of this book you will be eager and enthusiastic about your own finances, in fact, I am sure you will. ~~ Fiona Ferris Contents: Introduction How I became interested in personal finance About this book Chapter 1. Start from the beginning What do you believe about money? Make your finances fun and enjoyable Simplify your life Chapter 2. Be savvy and a good steward of your money Living well on a moderate income Add up what your vice is costing you Try out cheaper options ‘The free part’ Cap limits in your life Decide for yourself what you splurge and save on Spend more time at home Make your own meals most of the time Do not be afraid to ask for gifts Slim down your magazine choices Chapter 3. Live like a millionaire now and feel rich every day Do not wait to be rich to feel good Use your good things Surround yourself with beauty Keep only what your future self would have in her beautiful home Visit five-star luxury and soak it in Replace broken items with quality, cherish the rest Feel luxurious in budget-friendly ways Curate your wardrobe Cultivate an expensive-looking personal style Have an elegant personal demeanour ‘Expensive’ décor on a budget Chapter 4. See how you rich are already Know where your finances are at Speak positively about your finances Cultivate a happy and relaxed feeling around money Contentment as a financial tool Think beyond a purchase to its exit Chapter 5. Inspire yourself to a wealthy future Keep your vibration high Share your dreams with your other half Commit to being debt-free Take inspiration from expensive stores Read inspirational money books and find fun ways to educate yourself Think as if you were creating your own personal brand Have role models Chapter 6.

    Culled from twenty-five years of lectures to spiritual seekers in the West and the East, these readings are expressed with the simplicity and authority of one who speaks from his own experience. What is purity of heart? It’s a heart full of tranquility and peace. Having a steady mind, a balanced mind, is what you call purity of heart. You must be well balanced between the dualities: the ups and downs, the pleasure and pain, the profit and loss. If the mind is free from turbulence, then the seer can see its own nature. If your heart is pure and steady, you can see God reflected in that steady heart.

    It is never cheap; it is made difficult because freedom is the accomplishment and perfectness of man.” — Ralph Waldo EmersonThis book is for people who also believe personal freedom is the most important thing in life. In our free world, we can do what want, spend time with people we like, and have a career that gives us joy. And yet, we don’t use our freedom. Why is that?The problem is that we’re held captive by ourselves. On a deeper level, we all strive for the same thing: To be free. It’s in our nature.Every human has the desire and the need to be free. What It Takes To Be Free will lead you on the path to personal freedom. It’s a highly practical guide that’s based on timeless wisdom and personal experience.You’re the ruler of your own kingdom. You can do anything you want, spend time with people you like, and have a career that you love. If you’re willing to do what it takes, you will be free to do those things.

    Other times, a good laugh can turn the entire day around. Then there are times when a personal insight reminds us that there is more to life than schedules, laundry, and yet another trip to the grocery store. More than 60 straight- to- the- heart messages from the Time Out for Women team of speakers help make the connection between where we are and where we want to be. Included are selections by Mary Ellen Edmunds, Ardeth Kapp, Emily Watts, Hilary Weeks, and Virginia Pearce. This inspirational collection captures the warmth and wisdom of your favorite LDS speakers and authors.He is helping you by Mary Ellen EdmundsDecide once by Don H. StaheliAllowing time for change by Virginia Hinckley PearceAlternatives to growing old by Mary Ellen EdmundsA little lesson I learned from chocolate by Emily WattsStop, look, and listen by Ardeth KappHappy New Year! by Emily WattsThe power to find by James l. FerrellGenuine compliments by Mary Ellen EdmundsHurrah for families! by Virginia Hinckley PearceCall home by Ardeth KappThe Easter poem by Kathleen Hinckley Barnes WalkerSeasons of life by Mary Ellen EdmundsWhy I love this church by Emily WattsThe marvelous cycle of compliments by Hilary WeeksMy family miracle! by Carolyn RasmusWhen I run out of birthdays by Ardeth G. KappSomeday by Emily WattsAfter we put Christmas away by Dean HughesGreat faith has a short shelf life by Kim NelsonFood for thought by Hilary WeeksGetting rid of junk by Cherie CallStaying connected by Ardeth G. KappLong words by Mary Ellen EdmundsLane ends, merge left by Hilary WeeksWhich way is right? by Emily WattsPorches by Mary Ellen EdmundsGot energy? by Hilary WeeksThe little things by Merrilee BoyackSpiritual valleys by Carolyn RasmusListening by Hilary WeeksYou are here by Kim NelsonThe Sunday sacrifice by Emily WattsMiracles by Merrilee BoyackThe real you by Hilary WeeksHelp! I'm surrounded! by Chris StewartOrange eye shadow vs. amazing grace by Cherie CallTomorrow's assignment by Merrilee BoyackLaundry on my birthday?! by Daryl HooleSigns of faith by Pamela HansenBread of life by Sharon G. LarsenA must see! beautiful inside! by Cherie CallThe tow truck parable by Laurel ChristensenA bag of cats by Kim NelsonAre we being wise? by Dean Hughes"Team play" or "giggle ball" by Camille Fronk OlsonGoing once! going twice! sold! by Pamela H. HansenSpring snow by Emily WattsThe top job by Daryl Hoole

    And the special intimacy that can exist between a righteous husband and wife serves to ennoble and enhance their union. But for too many, intimacy can become a source of guilt, frustration, and even conflict.President Spencer W. Kimball stated, "If you study the divorces . . . you will find there are [many] reasons. Generally, sex is the first; they did not get along sexually. They may not say that in court. They may not even tell that to their attorneys, but that is the reason."Where does a Church member go for a clear, gospel-based understanding of intimacy? What new information is available about the differences between men and women, and how does it impact intimacy? What new medical insights are available for middle-aged and older LDS couples who want to improve or revitalize this aspect of their relationship?Drawing upon their years of experience teaching, counseling, and writing on the subject, Professor Brinley and Dr. Lamb have gathered teachings and testimonies of modern prophets and united them with current medical research-available for the first time in this revised edition to offer valuable and straightforward responses to these questions.The result is a wonderful resource for engaged or married couples who are seeking a simple and consistent gospel-based discussion of intimacy. It is also an excellent reference for middle-aged and older couples, making it a valuable resource for couples of all ages.

    But instead of snoozing, what if you devoted that time to growing yourself and your relationship with your Heavenly Father? Imagine how much better things would be. Learn how to transform you life and create a healthier, happier, more successful, and more spiritual life by using a special morning routine just for you.

    Dean Byrd and Mark D. Chamberlain address the topic of self-control, exploring it in the framework of doctrine and counsel from Church leaders and their own professional experiences. The authors have discovered that people who are successful in maintaining self-control rely less on willpower than on what might be called heart-power. Willpower Is Not Enough provides encouragement and guidance to all who wish to harness the motivating power of the heart, express themselves from the heart, and successfully deal with setbacks and overcome obstacles to change.

    Here is an unforgettable testimony to the strength, beauty and brillance of the female spirit. Bursting with color, each hand painted page is both wise and wonderful.

    The Complete Vision Board Kit is a boxed kit containing all the pieces and information the reader would need to create a vision board—a roadmap to success on their own terms.A vision board is a powerful tool that anyone can use to shape an ideal future through the power of intention and visualization. Learning how to vividly imagine your desired results--attracting your perfect soul mate, radiant health, abundant career opportunities, or building personal and community relationships to give back--is the first step on the path to making them happen. Break through unconscious, limiting beliefs and get ready to transform your future now. If you can envision it, you're halfway there! This book will explain and walk you through exactly how to create a vision board in conjunction with how to retrain your brain to actually start believing that you can achieve all your goals and dreams. Then, the universe will work its magic! This is a great personal gift and one your friends and family will love.