Forget complicated, abstract philosophy—people need sound financial advice that's easy to follow and can be implemented immediately. For the first time, a leading financial adviser has developed a remarkable set of guidelines to give individuals the same kind of objective insight into their personal finances that successful businesses have. Your Money Ratios will help readers effectively manage debt, invest prudently, and develop a realistic and effective savings plan to ensure both financial success and security. Readers need only plug their income and age into Farrell's ratios in order to get an instant picture of their savings status and overall financial health, as well as a roadmap for the important choices they must make in the future. Here’s what you will find in this book: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.

    Girl, Get Your Money Straight! presents her seven-step program for holistic financial healing–an upbeat, empowering road map that you can use to identify your heart’s desires, break away from negative spending patterns, pay off outstanding debts, develop a spending plan, conquer the checkbook blues, and create new wealth. Filled with Bridgforth’s warmhearted wisdom and advice, and complete with worksheets exercises, affirmations, and inspiring stories of African American women who have found financial peace of mind, Girl, Get Your Money Straight! is a fresh, fun, and eminently practical guide to healing your bank account and building a life that you love.

    Great falls from ministry don't just happen either. A complex mix of factors both internal and external test the limits of your ability to minister wholeheartedly over the long haul. Senior pastor Brad Hoffmann and licensed professional counselor Michael Todd Wilson work with pastors removed from their place of service. The common experiences of these pastors revealed patterns that consistently contributed to burnout, ineffectiveness and moral failure. If such patterns can be predicted, the authors reasoned, can they be prevented?Preventing Ministry Failure is a personal guidebook for pastors and other caregivers to prepare them to withstand common pressures and to flourish in the ministry God has called them to. Work through the exercises and reflections individually or in conversation with your peers, and you'll find yourself better equipped for the challenges of vocational ministry, and more conscious of the presence of God leading you on and restoring your soul.

    Nobody wants to do it, but at some point, it's inevitable: you need to clean your teeth, renew your license, and manage your personal finances like a grown-up. Whether you're struggling to pay off student loan debt, ready to stop living paycheck to paycheck, or have finally accepted that your Beanie Baby collection will never pay off, tackling your finances may seem immensely intimidating. But it doesn't have to be. By approaching personal finance as a game--something that requires you to set clear goals, as well as face challenges you must "beat"--personal finance can not only be easy to understand, but it can also be fun!In Get Money, personal finance expert Kristin Wong shows you the exact steps to getting more money in your pocket without letting it rule your life. Through a series of challenges designed to boost your personal finance I.Q., interviews with other leading financial experts, and exercises tailored to help you achieve even your biggest goals, you'll learn valuable skills such as: Building a budget that (gasp) actually worksSuper-charging a debt payoff planHow to strategically hack your credit scoreNegotiating like a shark (or at least a piranha)Side-hustling to speed up your money goalsStarting a lazy investment portfolio...and many more!Simply put, with this gamified guide to personal finance, you'll no longer stress about understanding how your finances work--you'll finally "get" money.

    You are changing the world around you.But you are tired and burned out. You feel called to do the extraordinary for God.But you feel stuck in the ordinary. Do Hard Things inspired thousands of young people around the world to make the most of the teen years. Now Alex and Brett Harris are back and ready to tackle the questions that Do Hard Things inspired: How do I get started? What do I do when I get discouraged? What’s the best way to inspire others? Filled with stories and insights from Alex, Brett, and other real-life rebelutionaries, Start Here is a powerful and practical guide to doing hard things, right where you are. Are you ready to take the next step and blast past mediocrity for the glory of God? START HERE.

    Food and faith, mingled in everyday life, become the combination for passing on God's love to each person who breaks bread with us.In The Lifegiving Table, Sally shares her own family stories, favorite recipes, and practical ideas to help you get closer to the people you love . . . and grow in faith together.

    Featuring all-new Money Diaries, valuable advice on how to get rich (and afford life in the meantime) from a handpicked team of female financial advisers, and money challenges that will save you up to $500, Refinery29 Money Diaries will empower you to take immediate control of your own money, including: • Why budgets are bulls&!t and what to do instead • How to make repaying your loans as painless as possible • How to start an emergency fund even if you’re living paycheck to paycheck • How to effectively ask for a raise and make sure you’re being paid fairly • How to have fun without going broke • The joy of saving for future you With a vision of what your dream bank account balance looks like, some expert advice to help you achieve it, and the support of a powerful community with the same goal, you’ll be a step closer to taking control of not just your wallet, but your life.

    A strategy simple enough for anyone to understand and one that runs on "autopilot" once it's set up.

    While you're at it, learn a thing or two about your personal motivation and how to point it in the right direction. And laugh your socks off, too! I thoroughly enjoyed this book!"Gail Vaz-Oxlade, TV Host of Til Debt Do Us Part and Financial Author"The Task Force on Financial Literacy can stop dithering. All it has to do is distribute Dave Chilton's long-awaited The Wealthy Barber Returns."Jonathan Chevreau National Post Columnist and Author of Findependence"Very funny. Very smart. This fast-paced journey through the world of personal finance will help a lot of people. I loved it!" Amanda Lang, CBC Senior Business Correspondent"A simple plan for a better financial future: Read this book. It's down to earth, fun to read and wise to all the mistakes people make in managing money."Rob Carrick, Personal Finance Columnist, The Globe and Mail

    The answer is YES. After years of helping clients and attendees at my lectures learn to manifest their dreams, I developed a simple 5 step process to help you manifest right away. The secrets the Secret never told you. If I can do it, and they can do it, you can do it! A note to readers - Please leave your stories of your successes in the testimonies so other people will know that this process works and even though we do it instinctually sometimes when we really want something and it's not appearing we have blocked it. Sometimes the process is just about getting out of the way. In any case can't wait to hear all your happy stories afterwards please do come back and share:)

    [Penguin Readers Level 5]

    "How to Boost You Credit score 100+ Points Without Credit Repair" will show credit industry secrets for maximizing the other 65%. The best part is you will see real results in just 30 days.

    Every experience one undergoes in the course of life is like a seed. The learning that comes out from that experience is like a tree. The biggest of trees manifest from the smallest of seeds. How easy it is to misjudge the depth of content that is stored in the tiny seed! If only we could learn to decode the hidden wisdom contained in every experience, life would become a journey of learning, rather than a series of frustrating experiences. The Wisdom Tree is a book that helps you see the world from the perspective of a learner.The Wisdom Tree is based on various talks given by H.H. Radhanath Swami. This is neither an exact transcription nor an overly corrected version.

    Tailored to the spiritual needs of women, it reaches out with insights that will speak to your heart.Each entry begins with a Scripture verse to help shape your devotional time. It then draws from a treasury of inspirational stories from Daily Guideposts favorites such as Debbie Macomber, Marion Bond West, Sharon Ewell Foster, and more with unique and varied perspectives on the challenges faced by modern women of all ages and situations. The authors share their experiences with down-to-earth glimpses into their own daily lives, ending with heartfelt personal prayers for strength and growth.You owe it to yourself to take a few minutes of quiet time each day to nourish and restore your spirit. Experience the comfort and guidance offered each day in 365 Spirit-Lifting Devotions for Women.

     What You Will Learn Through easy-to-understand examples and practical tips, Nathan will show you how anyone can achieve financial independence and investment success through dividend investing. In these pages, you'll discover: Why traditional investment strategies fail. The most dangerous investment strategy out there right now (and how to avoid it). How to dramatically improve your investment results while taking less risk. How to outperform most "passive index" strategies. How to practically guarantee a positive investment return over the long-term. Why dividends are the safest, most consistent, and common sense way to build wealth. What dividends are and where they come from. How dividends can replace your paycheck in retirement. Who Should Read It This book is for anyone who wants to build wealth and improve their investment returns. It’s not complicated. There are no fancy formulas or Wall Street mumbo jumbo. Beginning investors who just want to better understand how to make money investing in stocks. Experienced investors who have been burned by other investment strategies. Anyone who is afraid to lose money investing in the stock market. Those nearing retirement who wants to generate passive, consistent, and growing income. Retired people who are tired of getting 1% returns in their checking accounts and 3% (or less) from bond funds. Anyone considering buying an annuity. Who Should NOT Read It Those looking for “get-rich-quick” investing strategies. This strategy is about consistently and predictably growing your wealth over long time periods (20+ years). This book is targeted to people with little-to-no experience with dividend investing or investing in general. If you have a lot of experience with dividend investing, there probably isn’t much here for you. Annuity salespeople. If you want to sell an annuity, don’t read this book. And definitely don’t let your potential victims (errr… “clients”) read it. Testimonials "The book is well written and understandable for anyone with even minimal investing experience." -JCS "One of the best books on dividend growth investing. I wish I had known about this 10 years ago as I compared my tax-free bonds versus dividend growth investing would have doubled my portfolio if I had followed his books advice." -David "An investment strategy that makes sense. The book is short and to the point. Reading it will be time well spent." "I'm already employing the strategy in my own investments, but this book gave me a lot of confidence that I'm absolutely doing the right thing. It is short, but there's every bit as much content as a much longer book.