Blending theory with practice, this book provides applied advice.

    Radical Frugality tells the story of 5 people who did it: Paul, 27, discovering how to overcome student loan debt; David and Winona, late 40's, living their retirement dream today; and Dan and Charlotte, family of 4, with an underwater mortgage. Waking up every morning debt-free with cash in your pocket helps your brain feel safe, secure, and smart. Embracing the concepts in this book frees you from the overwhelming anxiety of the consumer lifestyle by showing you how to take control. You can start today. What if you could spend 66% less money than you spend today setting yourself up to live a self-determined lifestyle doing exactly what you love to do regardless of financial compensation? Radical Frugality shows you exactly how to achieve those goals within one to five years. Using our step-by-step common sense plan, we teach you what to do (break the spell of the consumer credit con), when to do it (planning and preparation), and most importantly where to do it (discover the 5 top cities for living frugally). We'll help you evaluate your financial situation. Are you in the Yellow Zone, the Orange Zone, the Red Zone, or even the Dead Zone (paying debt with debt)? This book lays out a plan for how to pay off your debt and get into the Neutral Zone (getting back to monthly break-even), the Green Zone (debt free with $1,000 a month free cash-flow) or even the Golden Zone (living a self-determined life). Whether you are desperate right now about your financial situation, facing retirement, just starting out, or just plain tired and worn-out from struggling to pay bills, Radical Frugality can show you over 100 tips for feeling better today. Radical Frugality offers a soup to nuts plan for living a self-determined life that will leave you happier and healthier than ever before. CHAPTER ONE: IT'S NOT ABOUT WHAT YOU EARN—IT'S ABOUT WHAT YOU SPEND. HOW TO TAKE CONTROL CHAPTER TWO: THE CONSUMER CREDIT CON. HOW MARKETERS PLAY TRICKS ON YOUR BRAIN CHAPTER THREE: WHY FRUGALITY? GETTING STRAIGHT ABOUT WHY YOU'RE ON THE PLANET CHAPTER FOUR: WHO ARE YOU TODAY? EVALUATE YOUR SPENDING PROFILE CHAPTER FIVE: HOW TO DO IT. YOUR STEP BY STEP PLAN TO GAIN CONTROL CHAPTER SIX: GOING GREEN AND NEVER LOOKING BACK. THIS IS YOUR BRAIN ON CASH CHAPTER SEVEN: WHEN WILL YOU BE READY? LEARNING TO ASK THE RIGHT QUESTIONS CHAPTER EIGHT: LIVING THE DREAM. WHERE YOU LIVE DETERMINES HOW YOU LIVE

    You've reached major milestones and accumulated more assets than you dreamed possible, and yet you hesitate. “Can I retire?” This book will help answer that question by showing you…. The tools you need to live a secure and independent retirement, without worrying about money What you must know before leaving a career behind How much it will cost you to live in retirement, and how to manage your cash flow The current choices for retirement health care, including lesser-known but effective options The threat from inflation: two secrets that politicians and bankers will never admit A realistic assessment of the impact that income taxes will have on your retirement Social Security’s role in your retirement: when you should claim and how much it’s worth to you How to construct and manage an investment portfolio for income and growth in retirement About immediate annuities and why you need multiple sources of retirement income The key variables and unknowns in your retirement withdrawal equation Reviews of the best retirement calculators, and tips for how to use them accurately Beyond the simplistic 4% Rule to the latest research on safe withdrawal rates Realistic bracketing of your retirement savings needs, without over caution or overconfidence The history of economic cycles and the related asset classes for optimal retirement security A survey of strategies plus original research for how to orchestrate your retirement distributions A practical retirement fuel gauge alerting you to problems while you still have time to act Backup plans: the lifeboat strategies for ensuring you'll never be without essential income The 6 crucial questions to answer before you can retire The one, simple, powerful, non-financial reason that you can and should retire earlier than later

    

    24 hours later more than R160 billion rand of this fortune was wiped out. The Steinhoff Empire, that took 20 years to build into an international business giant, had crumbled overnight. Markus Jooste, Steinhoff’s flashy CEO, resigned via SMS and has since been fleeing an avalanche of scandals and accusations: luxury homes for a blonde mistress, allegations of fraud, racing horses and unparalleled extravagance, a lavish, black Jaguar for an old university residence… What exactly happened here? Who knew what? What is Steinhoff, who is Markus Jooste and what does it all have to do with the so called Stellenbosch mafia? Where does business tycoon Christo Wiese, Shoprite and Pepkor fit in and where is the pensioners’ money? Well-known financial writer James-Brent Styan unpacks these and other questions in this astounding tale of power and greed, of secrets and deceit, and ultimately the biggest financial breakdown in the history of South Africa. Through interviews with trustworthy sources, revelations from confidential documents and in-depth research about Steinhoff’s history, Styan uncovers what the group doesn’t want you to know. Follow the Money: The story of Steinhoff, Markus Jooste and the Stellenbosch Boys is a gripping financial thriller that will be told as cautionary tale or salacious scandal in both boardrooms and living rooms for decades to come.

    You may find it for free on the web. Purchase of the Kindle edition includes wireless delivery.

    They’ve experienced events they can’t otherwise explain. Same with other professions that deal with injuries, accidents, or death. Police officers, firemen, 911 operators, they’ve seen the worst that people can do to one another, and they’ve all had brushes with the unexplained. Don’t believe in ghosts? This book might change your mind steal any hope of sleep. These stories are unexplainable, true accounts from first responders, police officers, firemen, and 911 operators, told from the perspective of everyday people. Every single tale between these covers is one hundred percent true. Think you can explain them? We dare you to try.

    This is the one you want… Personally, I will check out any book this author writes about apps because, for some reason, maybe a bad case of OCD, he is obviously compelled to do the most thorough investigation into each and every aspect, good and bad of apps in a particular genre. My hat's off to him, and he has my thanks for saving me a ton of time and grief.” - Linda Abbott (Reviewer) Nearly 400 Pages of In-Depth Reviews, and Tips and Tricks to Help You Get The Most Out of Your Free Kindle Fire Apps Question: Why Do You Need This Book? Answer: Because you have better things to do with your time than trudge through the Amazon App Store and test tons of apps until you find the best ones Question: OK. But Why Do You Need To Buy THIS Book? Answer: Because you need more than just a random list of “Top Kindle Fire Apps.” You also need: To know which apps to download first Tips and tricks for how to get the most out of the apps How to find help if you’re having a problem with an app An in-depth review describing what is good and what is bad about each app Problem: Even if you have a list of the top free apps, how do you know which ones to install first? Solution: At the end of this book, all the apps are ranked from best to worst according to a UNIQUE RANKING SYSTEM FOUND ONLY IN MY BOOKS Question: How Else Is This Book Unique? Answer: In addition to its unique ranking system, it also offers in-depth reviews that provide the following: A summary of what the app does A summary of what is good and what is bad about each app When available: The app developer’s contact information, website information, as well as links to pertinent articles about the app Tips and tricks for many of the apps (how to get the most from the app) A brief summary of the positive and negative reviews of the app on Amazon PLUS: A list of 6 must-have free productivity apps that every Kindle Fire owner should install to have greater control over their Kindle Fire A list of 16 free productivity apps that most Kindle Fire owners will find useful since they provide a great deal of functionality Question: OK…But What Types Of Apps, Exactly, Does The Book Include? Answer: A dizzying variety… Game Apps Arcade and Board game apps Mind game apps: Card, logic, and word game apps Kids Apps Educational apps and Game apps for kids: Apps for toddlers, preschoolers, elementary schoolers, and high schoolers in the following categories: Art apps, Book apps, English apps, and Math apps Productivity Apps Home

     During a single historic weekend (September 12-14, 2008) the fate of Lehman Brothers was sealed, Merrill Lynch barely survived, and AIG became a ward of the federal government. Top CNBC anchor Maria Bartiromo spent the entire weekend taking frantic phone calls from the most powerful players on Wall Street and in Washington, as they toiled to keep the economy from complete collapse. Those CEOs and dozens of other sources gave Bartiromo behind-the-scenes details unavailable to other members of the media, of the crisis and its aftermath. Now she draws on her high-level network to provide an eyewitness account of the biggest events of the financial crisis including at length interviews with former treasury secretary Henry Paulson, former AIG chairman Hank Greenberg, former Merrill Lynch CEO John Thain, and JP Morgan CEO Jamie Dimon, among many others. Writing with both authority and dramatic flair, Bartiromo weaves a thrilling narrative that will make news. She also tackles the big questions: how did an unmatched period of market euphoria and growth turn sour, catapulting the economy into a dangerous slide? And in the long run, how will the near-catastrophe really change Wall Street?

    It will keep you entertained for hours. It's the very unusual story of Paul Henry - from his eventful childhood to his adventurous career in journalism to his recent outrageous comments on television which divided the country.A natural-born story teller, Paul spins many great yarns in this book. It's fascinating insight into his complex character. He's surprising -- he doesn't adhere to any prescribed set of beliefs. He's bold -- he set himself up as an international news correspondent working out of his Masterton lounge. And he's versatile -- turning his hand to running a cafe, running for Parliament and running from terrorists.

    It offers targeted assessment, easy-to-follow instruction, hundreds of reinforcement activities, and simulated GED tests for all five GED subject areas: Test 1 Language Arts, Writing; Test 2 Social Studies; Test 3 Science; Test 4 Language Arts, Reading; Test 5 Mathematics. A half-length Pretest for each subject helps pinpoint strengths and weaknesses for targeting study. Clear instruction, followed by hundred of practice questions in official GED format help to build confidence. A Posttest for each subject is followed by a second Practice Test in official GED format to determine readiness for the actual test.

    No matter if you use your RV just a few weekends and holidays a year or make it your full time home, you will find tips that will make your RV travels easier, safer and more enjoyable. You'll find tips that will save you time and money. You will find tips on getting your mail while traveling, internet access, boondocking, and work camping. You'll learn how to save money on camping fees just by choosing where to stay and staying longer. You will get tips on how you can customize your RV to make your home.Chapter TitlesRV Care & Maintenance TipsRV Boondocking – Dry-Camping – Overnighting TipsRV Camping TipsRV Park Reservation & Check-In ChecklistsRV Travel & Destination TipsRV Driving TipsRV Lifestyle TipsWork Camping TipsRV Accessories TipsRV Battery TipsRV Holding Tanks & Toilet TipsRV Fresh Water System TipsRV Electrical System TipsRV Refrigerator TipsMiscellaneous RV TipsTips for RVing With Dogs This book includes over 400 tips. You pay pennies for tips that can save you hundreds of dollars.About the Editors: As most folks do, we started out tent camping. In the late 1970s we ventured across the country from northern California to western Pennsylvania and back through Washington and Oregon in Steven’s boxy old 1965 Chevy van.   Those were the days, my friends. That trip had a lasting effect and over time we realized we were destined to be full time RVers. In 1995 we sold our house and a Recreational Vehicle became our home. An RV has been our home every since.

    Shilling explains in clear language and compelling logic why the world economy will struggle for several more years and what investors can do to protect and grow their wealth in the difficult times ahead. The investment strategies that worked for last 25 years will not work in the next 10 years. Shilling advises readers to avoid broad exposure to stocks, real estate, and commodities and to focus on high-quality bonds, high-dividend stocks, and consumer staple and food stocks. Written by one of today's best forecasters of economic trends-twice voted by Institutional Investor as Wall Street's top economist Clearly explains what to invest in, what to avoid, and how to cope with a deflationary, slow-growth economy Demonstrates how Shilling has been consistently right about major economic trends since he began forecasting in the early 1980s Filled with in-depth insights and practical advice, this timely guide lays out a convincing case for why investors need to be prepared for a long period of weak growth and deflation-not inflation-and what you can do to prosper in the difficult times ahead.

    No complex terminology. ★FREE eBook Download inside★ Your dad taught you how to play Chess, but he didn’t teach you much. You already know how to checkmate and move the pieces, but let’s face it, your friends and family still beat you more than you’d like. You don't just want to play. You want to win and possibly CONQUER ALL YOUR FRIENDS! You sly dog! I know the feeling and I’m here to help. My name is Maxen R. Tarafa and I’m a Skill Artist. In a few short months, I went from a struggling post-beginner to an adept intermediate player and doubled my Chess ability by teaching myself. In this book, I show you how you can double, even triple, your Chess ability like I did, but faster. But I’m going to tell you right now. My method is rather controversial. You see, most chess “experts” bombard you with complex Chess notation (QxB6?) and expect you to read complex Chess terminology. I don’t do that. I’ll give you a cheat sheet of what you NEED to remember, and you’ll be off to the Chess boards and killing Queens like it’s nobody’s business. In this book, you learn: -How to play your first 10 moves so YOU control the game (Chess Openings) -How to use 3 techniques (or Chess tactics) like bringing light sabers to a knife fight -How to identify one weakness, if you simply recognize it, you can win in one move -How to cut your training time in ½. Know what to study and apply brainhacking techniques. -How to avoid common beginner mistakes with time-tested Chess strategy -Where to find FREE Chess websites, apps, videos, and technology to double your skills -How to use the one principle I taught to Eduardo that took him from losing miserably to unbeatable -How to “bend” the Chess rules with little-known special moves (it’s not cheating!) -And more I taught a 9-year-old these principles and a week later he was beating 17-year-olds. Anyone, even you, can learn how to double your Chess ability by learning a few easy principles. You’ll even learn how to speed your decision-making and play speed chess. If you’re looking for quick and easy Chess instruction to double your skills, but don’t want to learn complex terminology and notation, this book is for you! Don’t let your friend, brother, dad, or roommate beat you again! Join the Casual Chess revolution! Plain-English Chess Instruction for Casual Players, Post-Beginners, and People who Want to Learn Fast! ★Now Available in Paperback! To buy paperback, scroll up and click the Paperback link (by the cover image)★

    Such background knowledge will help you understand why couponing works for not only couponers but also the stores that accept them. You'll feel confident going into the store for your first real deal because of the well-rounded knowledge, couponing advice as well as the online coupon tips you will receive from Couponing for the Beginner: A Guide to Couponing for the Uninitiated. The sensible approach in Couponing for the Beginner: A Guide to Couponing for the Uninitiated will help you shop for free for some of your favorite items at some of your favorite stores like CVS, Rite Aid, Target, and Walgreens. You'll also learn how to find the best savings on items you use every day in your home - learn how to combine them with store sales and promotions, store rewards/loyalty programs, rebates and more.All you have to do is follow Dean's step-by-step guide that teaches you how to get stuff for free and you'll be shopping for free in no time. In fact, you'll be wondering why you didn't shop like this sooner!