You'll never find a wiser advisor with a bigger heart.” -- Malachi Rempen: Filmmaker, cartoonist, author and self-described ruffian This book grew out of a series of letters to my daughter concerning various things—mostly about money and investing—she was not yet quite ready to hear. Since money is the single most powerful tool we have for navigating this complex world we’ve created, understanding it is critical. “But Dad,” she once said, “I know money is important. I just don’t want to spend my life thinking about it.” This was eye-opening. I love this stuff. But most people have better things to do with their precious time. Bridges to build, diseases to cure, treaties to negotiate, mountains to climb, technologies to create, children to teach, businesses to run. Unfortunately, benign neglect of things financial leaves you open to the charlatans of the financial world. The people who make investing endlessly complex, because if it can be made complex it becomes more profitable for them, more expensive for us, and we are forced into their waiting arms. Here’s an important truth: Complex investments exist only to profit those who create and sell them. Not only are they more costly to the investor, they are less effective. The simple approach I created for her and present now to you, is not only easy to understand and implement, it is more powerful than any other. Together we’ll explore: Debt: Why you must avoid it and what to do if you have it. The importance of having F-you Money. How to think about money, and the unique way understanding this is key to building your wealth. Where traditional investing advice goes wrong and what actually works. What the stock market really is and how it really works. Why the stock market always goes up and why most people still lose money investing in it. How to invest in a raging bull, or bear, market. Specific investments to implement these strategies. The Wealth Building and Wealth Preservation phases of your investing life and why they are not always tied to your age. How your asset allocation is tied to those phases and how to choose it. How to simplify the sometimes confusing world of 401(k), 403(b), TSP, IRA and Roth accounts. TRFs (Target Retirement Funds), HSAs (Health Savings Accounts) and RMDs (Required Minimum Distributions). What investment firm to use and why the one I recommend is so far superior to the competition. Why you should be very cautious when engaging an investment advisor and whether you need to at all. Why and how you can be conned, and how to avoid becoming prey. Why I don’t recommend dollar cost averaging. What financial independence looks like and how to have your money support you. What the 4% rule is and how to use it to safely spend your wealth. The truth behind Social Security.

    "Budget" brings to mind rationing, a kind of money diet. If you're like many people, budgeting is something you do with a kind of deflated spirit: budgeting means bargain bin quality and the sad sense that what you want is going to be just out of reach. This book will try a different approach to budgeting all together. It's a pity that the idea of living within one's means should be experienced as such a deficit - this book will try to show that when you apply the principles of minimalism to budgeting, you are neither in a state of self-denial or trying to survive a financial scrape. In fact, a minimalist budget is a particular approach to abundance and fulfillment that may seem counter-intuitive to most. This book will offer an expanded notion of what it means to budget. We'll look at how money is not the only resource that needs to be managed, and a "life budget" that acknowledges your emotional, behavioral, social and even spiritual capital is more likely to lead to smarter decisions. We'll explore shopping and spending habits, identify problem areas, think about debt and make achievable goals for home, work and more. We'll look at concrete ways to put some of these principles into action, and look at resources that will keep you focused and motivated. At the same time, this book is also about the philosophy of minimalism, not thriftiness. If you can pair your budget plan with a more nuanced understanding of your relationship with money and how it ties into how you want to live, the changes you make will be more authentic and longer lasting. Minimalism is not about doing with less than you need. Rather, it's about finding what you need and fulfilling that need exactly, without excess. It's a subtle and easily overlooked point: to have exactly enough is not suffering. Budgeting is therefore about understanding what you need to have enough, and how best you can allocate your resources to that end. Life is short. Money and material things can make our time on this earth better, and they can help us move closer to what we find meaningful and worthwhile. But they are not meaningful and worthwhile in themselves. Money is a tool and how we spend it is an expression of our values and what we think is important. How much would you pay for peace of mind and the calm you get from knowing you are living well? How much of your life do you give away when you work? Of all your expenses, have you remembered to include the time you waste stressing about money? These may seem like vague or overly philosophical questions, but they get to the root of how we earn, spend and think of money. Once we understand these roots, our efforts to save here and there not only become easier, they become more meaningful. Here's What You'll Learn After Reading This Book: A deeper understanding of what makes for a long-lasting budgetIdentifying the core: time and valuePractical money-saving tips in areas such as food, clothes, health, home, cleaning, children, debt and financesHow to set goals that best match your personal budgetHow to put everything you've learned into practice and make your own personal budget, from week one to six months and beyondAnd much more!

    And like the husband in Fireproof (the film where The Love Dare originated), readers know this 40-day challenge to understand and practice unconditional love with their spouse need not end when the book does.With that in mind, The Love Dare Day by Day encourages and challenges couples toward new steps in faith and love with 365 marital encouragements, reminders, and action points worth repeating year after year.Unconditional love is eagerly promised at weddings, but rarely practiced in real life. As a result, romantic hopes are often replaced with disappointment in the home. But it doesn’t have to stay that way. Whether your marriage is hanging by a thread or healthy and strong, The Love Dare Day by Day is a journey you need to take. It’s time to learn the keys to finding true intimacy

    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

    The way a teaching machine works is: It asks you a question. If you give the right answer, it goes on to the next question. If you give the wrong answer, it tells you why the answer is wrong and tells you to go back and try again. This is called "programmed learning". The real authors were experts and authorities in the field of programmed learning. Bobby Fischer lent his name to the project. Stuart Margulies is a chess master and also a recognized authority on programmed learning. He is a widely published author of more than 40 books, all in the field of programmed learning, especially in learning how to read. For example, one of his books is "Critical reading for proficiency 1 : introductory level". Donn Mosenfelder is not a known or recognized chess player, but he was the owner of the company that developed and designed this book. He has written more than 25 books, almost all on basic reading, writing and math.

    While it's true that we live in an age when we're as obsessed with our bodies as we are with celebrity hairstyles, the reality is that most of us know very little about what chugs, churns, and thumps throughout this miraculous, scientific, and artistic system of anatomy. Yes, you've owned your skin-covered shell for decades, but you probably know more about your cell-phone plan than you do about your own body. When it comes to your longevity and quality of life, understanding your internal systems gives you the power, authority, and ability to live a healthier, younger, and better life. "You: The Owner's Manual" challenges your preconceived notions about how the human body works and ages, then takes you on a tour through all of the highways, back roads, and landmarks inside of you. After taking a quiz that tests your body of knowledge, you'll learn about all of your blood-pumping, food-digesting, and keys-remembering systems and organs.Just as important, you'll get the facts and advice you need to keep your body running long and strong. You'll find out how diseases start and how they affect your body -- as well as advice on how to prevent and beat conditions that threaten your quality of life. Complete with exercise tips, nutritional guidelines, simple lifestyle changes, and alternative approaches, "You: The Owner's Manual" gives you an easy, comprehensive, and life-changing how-to plan for fending off the gremlins of aging. To top it off, you'll also get the great-tasting and calorie-saving Owner's Manual Diet -- a thirty-recipe eating plan that's designedwith only one goal in mind: to help you live a younger life.Welcome to your body. Why don't you come on in and take a look around?

    Mellen has created unique, lasting techniques for streamlined living, bringing order out of chaos for the chronically overwhelmed everywhere. Acknowledging that it's often the "stuff behind the stuff" that holds people back, Mellen offers a surprisingly simple, yet effective solution in his step-by-step guide, guaranteed to help achieve organizational bliss for everyone from perpetual key misplacers to hard-core hoarders.From basement to bedroom, kitchen to car, and into every corner of life, Mellen’s system yields lasting results. Discover how to:Never lose your keys or wallet again Stop mail, magazine, and paper pileups for good Feel empowered to tackle bills and budgets Reclaim space and time once dominated by clutter Built on the principle that we must distinguish ourselves from our possessions, Unstuff Your Life! starts with truly achievable goals and works toward the nightmare projects everyone tries hard to avoid. With humor, honesty, tough love, and foolproof advice, Mellen makes it easy to finally let go and embrace the decluttered life.

    I write poetry... I believe poetry is a primal impulse within all of us. I believe we are all capable of it and furthermore that a small, often ignored corner of us positively yearns to try it. —Stephen Fry, The Ode Less Travelled Stephen Fry believes that if one can speak and read English, one can write poetry. Many of us have never been taught to read or write poetry and think of it as a mysterious and intimidating form. Or, if we have been taught, we remember uncomfortable silence when an English teacher invited the class to "respond" to a poem. In The Ode Less Travelled, Fry sets out to correct this problem by giving aspiring poets the tools and confidence they need to write poetry for pleasure. Fry is a wonderfully engaging teacher and writer of poetry himself, and he explains the various elements of poetry in simple terms, without condescension. His enjoyable exercises and witty insights introduce the concepts of Metre, Rhyme, Form, Diction, and Poetics. Aspiring poets will learn to write a sonnet, on ode, a villanelle, a ballad, and a haiku, among others. Along the way, he introduces us to poets we've heard of, but never read. The Ode Less Travelled is a lively celebration of poetry that makes even the most reluctant reader want to pick up a pencil and give it a try. BACKCOVER: Advanced Praise: “Delightfully erudite, charming and soundly pedagogical guide to poetic form… Fry has created an invaluable and highly enjoyable reference book.” —Publishers Weekly “A smart, sane and entertaining return to the basics… If you like Fry’s comic manner… this book has a lot of charm… People entirely fresh to the subject could do worse than stick with his cheerful leadership.” —The Telegraph (UK) “…intelligent and informative, a worthy enterprise well executed.” —Observer (UK) "If you learn how to write a sonnet, and Fry shows you how, you may or may not make a poem. But you will unlock the stored wisdom of the form itself." —Grey Gowrie, The Spectator (UK) “…intelligent and informative, a worthy enterprise well executed.” —Observer (UK)

    So many women feel powerless, nervous, or embarrassed when taking our cars in for a repair, and yet we outnumber men both as drivers and as customers at auto repair shops. The time has come for us to grab the wheel and finally take control of our cars. Filled with easy-to-follow illustrations and instructions, great tips, and lifesaving rules of thumb, The Girls Auto Clinic Glove Box Guide will help take away the confusion and mystery surrounding cars, teach women what they need to know about how their cars work, and what they need to do to keep them running smoothly. Patrice Banks was once like most of us: a self-professed “auto airhead” who was clueless about car maintenance, yet convinced that mechanics were taking advantage of her. Now she’s an auto pro devoted to empowering women to learn basic car repairs and knowing what to do in an emergency. So whether you get a flat tire when you’re stranded in the middle of nowhere, your car overheats, or a mysterious dashboard light suddenly starts blinking, help is just a reach-in-the-glove-box away.

    When family, coworkers, neighbors, or friends cause continual grief, you can move from victim to victor.

    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

    With all new graphics and more than 750 illustrations, a more detailed analysis of the five most important exercises in the weight room, and a new chapter dealing with the most important assistance exercises, Basic Barbell Training offers the most complete examination in print of the most effective way to exercise.

    Improve flexibility, balance, and strength in three steps! Only the Full-Body Flexibility system blends the best stretching methods from yoga, Pilates, martial arts, and sports training into stretching sequences for your every need.In this updated edition, you'll find 175 stretches and 23 routines that will help you take these steps:- Strengthen muscles to support your body and maximize your entire range of motion.- Enhance flexibility by challenging your muscles with multiple techniques.- Balance muscles in opposing muscle groups on both sides of your body.Use the book's step-by-step instruction and detailed full-color photo sequences to enhance your body's natural movement, reduce muscular tension, strengthen joints, improve posture, and take your athletic performance to new heights.Whether you're seeking to improve overall fitness or simply searching for a more effective way to stretch, Full-Body Flexibility is your guide for staying active, healthy, pain free, and injury free.

    Kids. Chores. Bills. Life has an uncanny ability to get in the way of our dreams. But, this doesn't need to be the case. In this installment of the “How to Change Your Life in 10 Minutes a Day” series, Michal Stawicki shares his techniques for extreme productivity. As a busy, working parent of three, Michal still manages to follow his dreams prolifically. How prolifically? Using the time management tips explained in “Master Your Time in 10 Minutes a Day,” Michal has managed to write over 150,000 words and publish 5 books in the last year while still making time for his family, his occupation and his life. He wrote this book to show you that anyone has the time to succeed in their passions. Written for the truly busy person Each of the techniques shared in “Master Your Time in 10 Minutes a Day” is designed to be specific, actionable and easy-to-implement for even the busiest person. They are sure to make your productivity skyrocket! “Master Your Time in 10 Minutes a Day” is written for busy people and therefore is light on philosophy and theory and instead aims to be concise and quickly read. Begin developing new habits today The first two chapters deal with the philosophy of building a productive mindset; after all, time management is all about having the right attitudes. The remainder of the book delves right into specific techniques you can easily implement. Align yourself with your true purpose If you are struggling to find life-work balance or the time to pursue your dreams, this book will quickly get you on the right track. One warning: after reading, you may find yourself with no excuses left for why you “can’t” write that novel, launch that non-profit or start that business. Still not sure? Scroll to the top of this page and click on the book's cover to “look inside” this book to see the topics covered, learn more about Michal’s background and determine if reading “Master Your Time in 10 Minutes a Day” will be a worthwhile investment in your future.

    Devoted Times subscribers will find the many treasured recipes they have cooked for years—Plum Torte, David Eyre's Pancake, Pamela Sherrid's Summer Pasta—as well as favorites from the early Craig Claiborne New York Times Cookbook and a host of other classics—from 1940s Caesar salad and 1960s flourless chocolate cake to today's fava bean salad and no-knead bread.Hesser has cooked and updated every one of the 1,000-plus recipes here. Her chapter introductions showcase the history of American cooking, and her witty and fascinating headnotes share what makes each recipe special. The Essential New York Times Cookbook is for people who grew up in the kitchen with Claiborne, for curious cooks who want to serve a nineteenth-century raspberry granita to their friends, and for the new cook who needs a book that explains everything from how to roll out dough to how to slow-roast fish—a volume that will serve as a lifelong companion.