The earlier we choosetosave(R), the sooner we can stop saving, and the later we start saving the more we need to know in order to catch up. What you need to know; where you can find the answers; how you can take action. It is all here." -Dallas Salisbury, CEO, Employee Benefit Research Institute and American Savings Education Council (www.choosetosave.org) "Bookstores are full of tomes advising people how to save for retirement, yet millions of people are still hopelessly confused about what they should do. Gail MarksJarvis breaks it down into simple steps that anyone can do to ensure a more comfortable retirement. Read this book and prosper!" -Liz Pulliam Weston, MSN Money Personal finance columnist and best-selling author of Your Credit Score "This book offers a sensible, sophisticated approach for tackling the daunting challenge of saving for retirement. The good news? You can retire-without living on canned food or buying lottery tickets-if you follow Gail's realistic strategies for saving, investing, and ultimately spending money in retirement." -Susan Tompor, Detroit Free Press "You can wallpaper a warehouse with all of the awful investment advice offered up every year in newspapers, magazines, and books. One of the most difficult tasks is to separate the get-rich-quick hype from the truly worthwhile knowledge that will make you wealthy over time. I'm thrilled to say that Gail MarksJarvis has cut through the claptrap of investment cacophony and provided not only a solid plan for retirement saving, but a realistic, common-sense approach to personal finance in general. This is a triumph." -John F. Wasik, Bloomberg News personal finance columnist and author, The Merchant of Power Drawn from responses to questions from over 20,000 readers of the author's personal finance columns. Over the years, Chicago Tribune financial columnist Gail MarksJarvis has taken the time to listen and respond to thousands of her readers about the issues, questions, and concerns that are most important to them. Saving and investing for retirement has never been more important...and with this book, it's never been clearer what you need to do and how to do it. Don't wait another day! Discover...How much you'll need and how to get there...even if you've fallen behind Exactly how to set up IRAs, 401(k)s, or 403(b)s in minutes and pocket your tax money How to harness the money-making power of the stock market How to pick the right mutual funds confidently with simple strategies and specific recommendations Incredibly easy, safe investing strategies based on professional money-management techniques "Gimmick-free" investing shortcuts that won't backfire on you How to keep debt from making you poor How to get reliable help if you need it...and avoid incompetents or scam artists How the new 2006 pension laws affect you MarksJarvis eliminates the insider jargon, confusion, and math...takes the mystery out of the stock market...simplifies investing techniques...answers all your questions...clears away every obstacle in your way so you make money without taking foolish risks. She's already done it for millions, in the nation's top newspapers and most popular financial radio and TV shows. Now, she'll do it for you, too! Introduction 1 Start Investing Early, or Start Now 1 2 Know What You'll Need 9 3 Savings on Steroids: Use a 401(k) and an IRA 39 4 An IRA--Every American's Treasure Trove 59 5 IRA Decisions: How to Start, Where to Go 65 6 Why the Stock Market Isn't a Roulette Wheel 89 7 What's a Mutual Fund? 105 8 Making Sense of Wacky Mutual Fund Names 115 9 Know Your Mutual Fund Manager's Job 127 10 The Only Way that Works: Asset Allocation 151 11 Do This 163 12 How to Pick Mutual Funds: Bargain Shop 181 13 Index Funds: Get What You Pay For 189 14 Simple Does It: No-Brainer Investing with Target-Date Funds 209 15 Do You Need a Financial Adviser? 219 Index 229

    As a result, romantic hopes are often replaced with disappointment in the home. But it doesn’t have to stay that way.The Love Dare, as featured in the popular new movie Fireproof (from the makers of Facing the Giants), is a 40-day challenge for husbands and wives to understand and practice unconditional love. Whether your marriage is hanging by a thread or healthy and strong, The Love Dare is a journey you need to take. It’s time to learn the keys to finding true intimacy and developing a dynamic marriage. Take the dare!

    In fact, the most common enemy lies within: our ego. Early in our careers, it impedes learning and the cultivation of talent. With success, it can blind us to our faults and sow future problems. In failure, it magnifies each blow and makes recovery more difficult. At every stage, ego holds us back.The Ego is the Enemy draws on a vast array of stories and examples, from literature to philosophy to history. We meet fascinating figures like Howard Hughes, Katharine Graham, Bill Belichick, and Eleanor Roosevelt, all of whom reached the highest levels of power and success by conquering their own egos. Their strategies and tactics can be ours as well.But why should we bother fighting ego in an era that glorifies social media, reality TV, and other forms of shameless self-promotion?  Armed with the lessons in this book, as Holiday writes, “you will be less invested in the story you tell about your own specialness, and as a result, you will be liberated to accomplish the world-changing work you’ve set out to achieve.”

    You'll not only figure out if you're ready to fit a kitty into your lifestyle, but also how to go about Adopting or buying the right kitten for you Making sure your home is kitten-proof Introducing your new pet to children and other pets Preventing and treating feline illnesses Dealing with behavioral issues Rescuing an orphaned kittenBooks abound about kitten care. Unlike many of them – those that seem to require a veterinary medicine degree to figure out – Kittens For Dummies explains everything in plain, everyday English. And like the subject itself, this handy reference is full of fun. In entertaining, informative language, the friendly guide gives you the real deal on Doling out plenty of love, attention, and patience Deciding whether kitty will be allowed to explore the outdoors Making your kitten comfy with the right supplies and accessories Knowing how often to ring the dinner bell Recognizing emergencies that call for quick trips to the veterinarian Locating qualified caretakers when you travel Nurturing kitty into adulthood Before you take the giant leap into kitten ownership – a wonderful and sometimes chaotic world – check out the expert advice in a resource that's bound to become as constant a companion as your purr-fect pet.

    A brand is not just a logo. It is the image your company creates of itself, from your advertising look to your customer interaction style. It makes a promise for your business, and that promise becomes the sticking point for customer loyalty. And that loyalty and trust is why, so to speak, your laptops sell and your competitors' don't. Whatever your business is, whether it's large or small, global or local, Branding For Dummies gives you the nuts and bolts know-how to create, improve, or maintain a brand. This plain-English guide will help you brand everything from products to services to individuals. It gives you step-by-step advice on assembling a top-notch branding team, positioning your brand, handling advertising and promotion, avoiding blunders, and keeping your brand viable, visible, and healthy. You'll get familiar with branding essentials like:Defining your company's identity Developing logos and taglines Launching your brand marketing plan Managing and protecting your brand Fixing a broken brand Making customers loyal brand champions Filled with easy-to-navigate icons, charts, figures, top ten lists, and humor, Branding For Dummies is the straight-up, jargon-free resource for making your brand stand out from the pack--and for positioning your business to reap the ensuing rewards.

    Bestselling author of the international phenomenon Surrounded by Idiots, Thomas Erikson reveals how to identify the psychopaths in your life and combat their efforts to control and manipulate.Using the same simple four-color system of behavior classification that made Surrounded by Idiots so popular, Surrounded by Psychopaths teaches readers how to deal with psychopaths in their lives by becoming aware of their own behavior and their weaknesses. Vivid example stories illustrate ways that psychopaths can take advantage of various behavior types, helping readers identify their own weaknesses and be proactive about protecting themselves. Erikson outlines some of the most common forms of manipulation used by psychopaths—and others—to influence those around them. Since manipulation can often be a feature of ordinary, non-psychopathic relationships, the book also includes practical methods and techniques to help readers confront controlling people and rehabilitate negative relationships into mutually respectful ones.By understanding your behavior as well as the tendencies and strategies of psychopaths, Surrounded by Psychopaths will teach you to protect yourself from manipulative influence in your workplace, social life, and family.

    Is it?She says she agrees. Does she?The interview went great - or did it?He said he'd never do it again. But he did.Read this book and send your nonverbal intelligence soaring. Joe Navarro, a former FBI counterintelligence officer and a recognized expert on nonverbal behavior, explains how to "speed-read" people: decode sentiments and behaviors, avoid hidden pitfalls, and look for deceptive behaviors. You'll also learn how your body language can influence what your boss, family, friends, and strangers think of you. You will discover:The ancient survival instincts that drive body languageWhy the face is the least likely place to gauge a person's true feelingsWhat thumbs, feet, and eyelids reveal about moods and motivesThe most powerful behaviors that reveal our confidence and true sentimentsSimple nonverbals that instantly establish trustSimple nonverbals that instantly communicate authorityFilled with examples from Navarro's professional experience, this definitive book offers a powerful new way to navigate your world.

    And in traditional decorating schemes, fleamarket chic is a key part of the mix: faded textiles, weathered furniture, mis-matched china, and the occasional flamboyant lamp or work of art are all part of the charm. Of course, Fleamarket Chic is about saving you money, along with recycling, upcycling, and repurposing. But it’s also about a sense of history and place, about individuality, and creating a home that reflects your life and personality. Every piece in a Fleamarket Chic interior has a story: the colorful pitcher you found at a garage sale, the vintage telephone you reclaimed when a favorite aunt finally bought a modern handset, the little chair you found in a county junk store, or the old trash cans that have been converted into fashionable zinc planters. In Fleamarket Chic, we’ll show you how to spot the clever find in a pile of junk, where to look and how to negotiate, how to smarten up (and when not to smarten up) second-hand items, and how to re-discover and re-use things you or your family already have.

    Written by a group of music industry pros, this practical guide shows you how to develop your songwriting skills and successfully utilize the Internet to promote and market your work!Whether you?re a first-time songwriter or songwriting vet looking for a fast-track into the recording industry, this friendly, easy-to-follow guide is the source for you. Using well-known tunes as examples, the authors walk you through everything you need to know to write hit singles, catchy jingles, and everything in between.25% new and updated content, including information on social media networks YouTube, Twitter, Viddler, and Digg Coverage of the latest music industry trends and techniques Tips and tricks to combat songwriter's block Whether you want to know how to compose a love song for that special someone or you?re looking break into the industry Songwriting For Dummies, 2nd Edition is a gold mine of inspiration and how-to information.

    This book explains the technical aspects of hacking, including stack based overflows, heap based overflows, string exploits, return-into-libc, shellcode, and cryptographic attacks on 802.11b.

    While they're trying to decide between the ski lodge in Telluride and the Tuscan villa, for the rest of us, it's an endless litany of corporate lay-offs, stagnant wages, crushing credit card debt, skyrocketing medical costs, exorbitant utility bills, the high cost of higher education.... And they call this "the good life." Is there a better way to live? Can you get what you need and what you want without killing yourself to get it? "Absolutely," says frugal-living guru Deborah Taylor-Hough, and in Frugal Living For Dummies, she shows you how. In this warmhearted guide to living the good life on less, Deborah shows you how to live within your means and enjoy doing it. Among other things, she shows you how to:Eat like a king on a peasant's budget Take the sting out of gift-giving Dress well on a shoestring Save big bucks on family expenses Slash household expenses Save on medical expenses Involve the whole family in saving money Save more for the things you want From basement to attic, cradle to grave, Frugal Living For Dummies covers all areas of life with common sense advice and guidance on:Working with your partner to achieve financial goals Going to the grocery without being taken to the cleaners Quick and thrifty cooking techniques Providing kids the basics on a tight budget Putting kids through school without going broke Looking good and feeling good on a tight budget Frugal holiday fun year round Saving money around the house and driveway Finding quality in pre-owned merchandise Packed with tried-and-true techniques for cutting costs and stopping the insanity, Frugal Living For Dummies is the ultimate financial survival guide for the rest of us.

    A tradition originating in ancient civilizations, modern technology has made the process easier than ever before. Homebrewing For Dummies is for everyone who has ever considered homebrewing, but thought it might be too hard or complicated. Or if you've tried homebrewing without great success, you'll find guidelines, recipes, and equipment advice to help you improve your brew. Even if you're already a successful homebrewer, you'll find useful tips for making your beer competition quality. Find authoritative material to answer such questions about:Beeraphernalia Malts, hops, and grains Additives and preservatives Finings and clarifiers Sanitizing and bottling Troubleshooting Go ahead and feel confident about buying the equipment, setting up shop, cooking the right mix of ingredients, and bottling your brew with personalized labels! You can choose from dozens of ale, lager, and mixed-style recipes (all with standard pounds, gallons, and ounce measurements) or craft your own recipe. Homebrewing For Dummies helps you get your first batch underway in just two hours with accessible information on:Equipment for beginning, intermediate, and advanced brewers The four primary ingredients in beer The nuts-and-bolts of beer Beer evaluation Getting involved in competitions Gadgets, gizmos, and must-haves No other guide can offer the same convenient cheat sheets, friendly, hands-on advice, and step-by-step directions for making award-winning recipes. Whether a serious, future member of the American Homebrewers Association or a curious hobbyist, you'll find everything you need to be drinking homemade beer in about three weeks.

    But it gets much easier and a lot more fun when you follow a step-by-step approach that starts you off on the right foot, helps you build your skills one at a time, and gives you plenty of exercises to develop your craft. That's what you'll find in Oil Painting For Dummies. Completely free of arty jargon, this full-color guide has all the hands-on instruction you need to master the basics. You'll see how to plan a painting, build an image in layers, mix colors, and create stunning compositions. You'll also find everything you need to know about oil paints, solvents, and pigments; brushes, palettes, and painting surfaces; and how to keep costs down at the art supply store. Discover how to:Choose the right supplies Set up your studio and care for your equipment Handle your materials safely Develop your design and composition skills Make practice sketches and studies Use broken stroke, dry brush, glazing, scraffito and other brush strokes Try out different compositions Mix any color you want Simplify tricky still-life subjects Paint landscapes and common objects out doors Paint portraits and the human form Complete with handy color chart, basic materials list, and a very useful viewing square, Oil Painting For Dummies is the fun and easy way to discover your inner artist!

    By presenting actual experiences and analyzing them as they are described, the author conveys the developmental thought processes employed and shows a style of thinking that leads to successful results is something that can be learned. Along with spectacular successes, the author also conveys how failures contributed to shaping the thought processes. Provides the reader with a style of thinking that will enhance a person's ability to function as a problem-solver of complex technical issues. Consists of a collection of stories about the author's participation in significant discoveries, relating how those discoveries came about and, most importantly, provides analysis about the thought processes and reasoning that took place as the author and his associates progressed through engineering problems.

    Using minimalist principles I have created a 30 day course, taking less than 1 hour a day that I guarantee will give you a simpler life.Simple Living‘s 30 days balances both tangible clutter as well as intangible clutter. This is not a course about cleaning. This course and these lessons are about change. Not only will you have a simpler and cleaner home after this course but the steps have been put in place for it to stay that way.This course is created to tackle thirty different clutter areas, showing you where they are and how to start working with them. After the course you will have the skills and tools to keep working in the areas that you personally still need to work in.This course is created to answer the question “Where do I begin?” and “How do I start?”If you will commit to 60 minutes for 30 days I guarantee you will see dramatic change.