Many of us begin our twenties burdened with college loan payments, and it's not unusual to end them with even more debt, often in the form of a costly home mortgage. In this debt-bracketed decade, it's crucial to develop solid money-management skills that will see you into your thirties in sound financial shape. The more you learn about saving, budgeting, and other money matters during your twenties, the more solid a foundation you can create--a foundation that will support your financial life for the next seventy years! In this lively and fun book, personal finance expert Peter Dunn offers practical tips and strategies created specifically to address the financial concerns and goals of readers in their twenties. Learn to master the challenges of this crucial decade with YOUR MONEY LIFE: YOUR 20s.

    The problem is, businesses are run by humans, and humans aren't always logical. Serial entrepreneur Mike Michalowicz has developed a behavioral approach to accounting to flip the formula: Sales - Profit = Expenses. Just as the most effective weight loss strategy is to limit portions by using smaller plates, Michalowicz shows that by taking profit first and apportioning only what remains for expenses, entrepreneurs will transform their businesses from cash-eating monsters to profitable cash cows. Using Michalowicz's Profit First system, readers will learn that:- Following 4 simple principles can simplify accounting and make it easier to manage a profitable business by looking at bank account balances.- A small, profitable business can be worth much more than a large business surviving on its top line.- Businesses that attain early and sustained profitability have a better shot at achieving long-term growth.With dozens of case studies, practical, step-by-step advice, and his signature sense of humor, Michalowicz has the game-changing roadmap for any entrepreneur to make money they always dreamed of.

    Things you can change. It's about what "they" know and "you" can learn: The Rules of Life."" Here they are: 100 personal, "practical" rules for dreaming, planning, living, loving, and overcoming even life's toughest adversities... For knowing what matters... learning from experience...using your intuition... changing what you can...de-stressing... staying younger... "getting stronger." Read 'em. Learn 'em. "Live" 'em.You'll feel better. You'll live better.You'll be a better friend, partner, parent, child, "human being." You'll "do" it: one small, simple step at a time. One step a day, every day. "Starting today." "Introduction xi" Part I: Rules for You 1Part II: Partnership Rules 105Part III: Family and Friends Rules 141Part IV: Social Rules 171Part V: World Rules 201

    You work hard to provide every advantage you can. You want them to be safe, smart, and healthy. yet when it comes to money, it's a whole different story. If you're like most people, you'd rather run a mile through a desert with a camel on your back than talk financial realities with your children.Your parents told you that talking about money just wasn't polite. Look where that left you! A healthy, balanced attitude towards money begins when kids are just toddling, so pull you head out of the sand and help your child learn about money and how it works.Gail Vaz-Oxlade, Canada's #1 personal finance expert, will teach you everything your children need to know. Gail believes that building confidence and money skills begins with an age-appropriate allowance. In "Money-Smart Kids", she'll show you how to start an allowance and how to help your kids:- Make Saving a habit- Learn the difference between a need and a want- Use the "magic jars" to balance competing goals- Create lifelong money-management skillsWhat better gift could you give your kids than the confidence to control their money, rather thean letter their money control them? Whether your children are toddlers or teens, let Gail help you raise Money-Smart Kids.

    It’s about creating a personalized weight loss plan—your own easiest path to naturally thin. While you can lose weight with almost any diet, keeping the weight off is much more difficult, requiring permanent changes in eating and exercise habits. This book provides a science-based approach for making those changes in a way that works best for you, without wasting time, money, or effort.Dr. Spencer explains why we gain weight and why the fat lost by dieting almost always comes back. He then presents an array of practical weight loss tools for controlling emotional eating, calming cravings, boosting metabolism, and improving nutrition and exercise. In the final chapter he has you create a natural weight loss plan based on your unique set of needs, abilities, and preferences. Simple recipes are provided for weight loss foods that reduce cravings and prolong satisfaction. What this book offers is a solid approach to weight loss—self-directed, gradual, and lasting—in contrast to the quick but fleeting weight loss offered by most one-size-fits-all diet plans.

    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

    Not only will you get sucked into the rollercoaster relationship of Amber and Dylan, but you’ll learn hundreds of money lessons along the way, giving you the tools to drive your financial destiny. As the book begins, Amber thinks her finances are under control, but her worldview crumbles when she encounters her college flame, Dylan, and his unusual perspective on money. While Amber and her friends were finishing their degrees, Dylan dropped out to pursue a different goal: Financial Independence. Amber doesn’t even know what Financial Independence means when she reconnects with Dylan seven years later. What she does know is that there’s nothing exciting about his lifestyle. At first she writes him off as a bum, but the more she questions, the more she realizes that how calculated his financial choices are. He’s not struggling for money; he’s building a Cash Machine. Amber wants to give Dylan another chance, but realizes she can never build a life with him until she understands his financial path. So she asks Dylan to teach her how to build a Cash Machine of her own. Unlike other personal finance books, that are normally written by finance experts and that only cover the areas of their expertise, The Cash Machine was not written by financial experts. Just the opposite. Before starting The Cash Machine, Dave and Chana Mason found themselves deeply in debt, despite having earned significant amounts of money in their careers. They came to realize that what they didn’t understand about money really was hurting them, and that the time had come to get themselves a strong financial education. And when Dave and Chana want to grow in some area, they find that there’s no better way than to research and write a novel on the subject. The result is a novel that has more financial lessons than any personal finance book they’ve ever seen, all taught through a story to make the lessons really stick. The lessons taught inside include: Credit Card Hacks. How to turn the high interest credit card arena in your favor Stock Market Strategies: How to get the highest returns from the market without getting your savings eaten up in fees Real Estate: Bring your housing costs down to zero and use real estate to generate equity and passive income Tax Shelters: Build your wealth faster by earning and growing it tax free Transportation: The fastest area to gain financial traction Discover hundreds of financial lessons, seamlessly taught within a novel you won’t want to put down. The Cash Machine isn’t just another money book. This page-turning love story teaches hundreds of financial lessons, giving you the tools to drive your financial destiny.

    For three years Deepak travelled to the distant corners of the world, found a growing global movement and interviewed hundreds of inspiring people. From the founder of LatestFreeStuff.co.uk, the UK's largest freebie website, learn how to turn your life around, reach your goals and make any part of it free. Packed full of tips, action lists and resources, How To Live For Free will make the biggest change to your life, more than any other book.As featured in The Sunday Telegraph, Daily Mirror, Forbes Magazine, The Sun and more...#1 Amazon Bestseller in Business and Finance#1 Amazon Bestseller in Personal Finance#1 Amazon Bestseller in Health and Fitness IN THIS BOOK YOU'LL DISCOVER... - How to attend free restaurant tastings- How to get free clothes and beauty treatments- How to attend free restaurant tastings- How to get free clothes and beauty treatments- How to get free clothes and beauty treatments- How to receive freebies from brands- How to forage and cook wild game- The man who lived in luxury flats for two years free of charge- The man who built his own island- How to upcycle furniture- How to sail a yacht and travel the world- The ultimate hitchhiker's guide- The best free living apps- The ultimate hitchhiker's guide- The best free living apps- How to get free cinema, theatre and festival tickets- How Deepak gets a free private driver everywhere he goes- How to upgrade your wardrobe for free- How to learn any skill, get free books and master your goals- And much, much more. REVIEWS Despite thinking I was someone who never misses an opportunity for a bargain I was shocked by how many things I didn’t know. Deepak Tailor really knows the ins and outs of living for free - it felt like I highlighted most of the book to come back to later and try out. The suggestions in travel alone had me daydreaming about some adventures I should be going on and now potentially could be going on! Throughly recommend this book and giving some of the ideas a go.- by Nick M"I am an avid follower of Deepak's web site and some of the other people he recommends in the book. The book is great for a beginner in the art of saving money and pulls all the various aspects of this together."- by Andrea HemThis is an excellent introduction to the world of free living with something for everyone. It really opened my eyes to the possibilities and the resources provided in the book (websites etc) are great references. After reading this i'm a free living convert!- by Steve Price DOWNLOAD the book for FREE today!

    It's about what you gain. When you remove the things that don't matter to you, you are free to focus on only the things that are meaningful to you. Imagine your home, your time, your finances, and your belongings all filling you with positive energy and helping you achieve your dreams. It can happen, and Organized Simplicity can show you how. Inside you'll find: A simple, ten-day plan that shows you step-by-step how to organize every room in your home Ideas for creating a family purpose statement to help you identify what to keep and what to remove from your life Templates for a home management notebook to help you effectively and efficiently take care of daily, weekly and monthly tasks Recipes for non-toxic household cleaners and natural toiletry items including toothpaste, deodorant and shampoo Start living a more organized, intentional life today.

    It is more powerful than any other." - Dr. Richard Schulze, Medical Herbalist from herbdoc.com.Hats off to you! You've just plunged into a wealth of information that hardly any professional doctors have a clue about. Get ready to relish in the brilliance of the kitchen miracle that surgeons shun and doctors disgrace.A sea of unknown, unrevealed information awaits you. This book will act as your guide, so that you will soon be able to harness the full power of cayenne - the herb I once took for granted, and the herb that I now owe my health.Everyone out there seems to be promoting good health. Well, that's great. Good health is something that needs to be promoted. You need herbs, not drugs. You need nature, not synthetics. You need to use the proven, natural, side-affect-free healers that the earth is full of, not the clear, cold liquids that scientists processed through a test tube.If I had the time, I'd drive from house to house, shaking people out of their beds and telling them to wake up to the miracles of cayenne. But I can't, so I've got the next best thing.This report, which I've been compiling for a while, is brimming with the fiery brilliance of cayenne and all that I've found out about it.For example, cayenne has been known to cure 17 big diseases. It has been known to stop a heart attack in a matter of minutes. It can sharpen your vision better than the most powerful contact lenses available. It can expand your arteries like anything, giving the blood room to really flow and travel everywhere, from your arms (giving you strength) to your brain (giving you better brainpower). It can cure arthritis and much, much more.If your heart can't pump enough blood to a certain area, take cayenne pepper.Because if you're on prescription medications, you could take up to a year (or more!) to heal. But if you take cayenne, you could cut it down to a month or two.Did you know that if you take garlic in the right proportions, you can bring your blood pressure back to normal in three months?Well, if you add cayenne, you could cut that down to three days.Cayenne can unclog your kidneys and your sinuses, allow you to breathe freely and restore broken, bleeding gums to normal. Cayenne, in short, is a kitchen miracle.I owe my health to cayenne. I hope that by reading this report, you soon will too.To your health,Sharon Daniels

    Teri Gault's groundbreaking website, www.TheGroceryGame.com, has already helped millions save serious money. And now she shares the secrets to sensible shopping in one essential volume, so you can feed your family and take care of their needs for thousands of dollars a year less! Shop Smart, Save More provides step-by-step instructions on how to:find and shop the right storesdecode "Everyday Low Prices" and other grocery store lingomaster the science of couponsorganize your shopping liststockpile effectivelyrecognize bogus "bargains" and anticipate real salesgo green for less green . . . and much, much more!

    If you had started something new and worked on it every week since one year ago, what might you have been able to accomplish? Twelve months, after all, is plenty of time to start accruing success. For example: * If you had written 1,000 words every week, you’d be close to completing a novel. Or you could have published several how-to eBooks. * If you had taken in one music lesson per week, you might be approaching a level of proficiency that would allow you to entertain friends and family. * If you had taken one day per week to start a side business, you could be entertaining the possibility of quitting your job. A lot can happen in a year, and this easy-to-follow 52 week guide will walk you there step-by-step with exercises like: * The champion's secret to building mental toughness muscles that keep you firmly focused on your weekly tasks. * A no-brainer way to add one-hour of quality, productive time to every week. * Scientifically proven methods to help you adjust your "mood barometer" at will. Never get stuck in a momentum-sucking bod mood again. * The AAI principle taught by the ancient greeks that virtually guarantees success in any endeavor when practiced properly. * and lots more! --->>> Includes an offer for a free training video <<<---

    This one is huge! Over 160 pages of easy to read, easy to understand, and easy to DO tips that will make you a better photographer!If you are tired of being the runner-up in all the local photography contests and want to start hearing "Ooohs" and "Aaahs" when people look at your photos, this one is for YOU!To give you an idea of what is included, here is the table of contents...Introduction:The Basics Of Photography:Key 1: Photography SimplifiedKey 2: Aperture And Shutter SpeedKey 3: Master Your Camera - Fast!Key 4: The Photographer's Secret WeaponKey 5: Creativity Can Be LearnedKey 6: A New Vantage PointKey 7: Put the "Wow" Factor In Your Photos!Key 8: Tell A StoryKey 9: Exposure - How Your Meter Works!Key 10: How To Shoot In Black And White Eliminate Camera Shake:Key 11: Your Shooting StanceKey 12: Tripod TipsKey 13: Use A Tripod Like A MonopodKey 14: How To Use A MonopodKey 15: Hands Off The Button!Key 16: Mirror, Mirror…Using On Camera FlashKey 17: The Ten Foot RuleKey 18: Intensify The Colors In Your PhotosKey 19: Eliminate "Red Eye!"Outdoors/Landscape PhotographyKey 20: Create Better Landscape PhotosKey 21: Shooting In Bad WeatherKey 22: Two Horizon Photo TipsKey 23: More On Level HorizonsKey 24: Stunning City Skyline PhotographyKey 25: Shoot Better sunset PhotosKey 26: How To Get Intense Sunset Photo ColorsKey 27: Filters To The RescueKey 28: The Indispensable Rubber BandKey 29: Recovering The GroundKey 30: Amazing WaterfallsKey 31: Making Clouds "POP!"Key 32: To Buy Or Not To Buy Colored FiltersKey 33: Storing Your FiltersKey 34: Using Kodak Yellow!Key 35: Fireworks And Lightning - Part 1Key 36: Fireworks And Lightning - Part 2Key 37: Flowers And Spider Webs - Part 1Key 38: Flowers And Spider Webs - Part 2Key 39: Turn AroundPet PortraitsKey 40: Pet Portraits - Great For Camera MasteryKey 41: Better Pet Portraits In 3 Easy StepsKey 42: In Pet Portraits The Ears Matter!Key 43: Problem AnimalsPortrait PhotographyKey 44: Tips For Improving Your PortraitsKey 45: 2 Easy Portrait Photography TipsKey 46: The "Photographic Ground Modification System!"Key 47: Visually Lose Weight!Key 48: The Ultimate Portrait Photography Tip!Key 49: Size MattersKey 50: Basics Of Lighting Portrait PhotographyAdditional Training:

    Drawing on her own transformation—over just a few years—from a woman living in a converted garage with tumbleweeds blowing through her bank account to a woman who travels the world in style, Jen Sincero channels the inimitable sass and practicality that made You Are a Badass an indomitable bestseller. She combines hilarious personal essays with bite-size, aha concepts that unlock earning potential and get real results. Learn to: • Uncover what's holding you back from making money • Give your doubts, fears, and excuses the heave-ho • Relate to money in a new (and lucrative) way • Shake up the cocktail of creation • Tap into your natural ability to grow rich • Shape your reality—stop playing victim to circumstance • Get as wealthy as you wanna be“This book truly crystallizes the concept that financial abundance is an inside job—in that it all begins with your mindset—and Sincero gets serious (in the funniest ways possible) about helping you identify your particular limiting beliefs surrounding money.” —PopSugar

    But, whether you need to organize records for yourself, your family or your executor, Get It Together will show you how to keep track of: instructions for survivors secured places and passwords final arrangements estate planning documents employment records insurance policies tax records retirement accounts government benefits, and real estate records. This workbook provides a complete system for structuring a records binder and easily organizing it for your loved ones. The all-new 3rd edition is easier to use than ever, with fully updated resources and references. And, if you'd like to work on your computer, use the CD-ROM and print your work and put it into a binder. (20090101)