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.

    While they’re closed, we need to nourish them.Beyond the basics of providing food and drink, restaurants fulfill a human need for connection. They’re a gathering place for family and friends, for first dates and breakups and birthdays and weddings. They’ve been there for us in good times and bad. Now it’s time for us to give back.To help support America’s restaurant industry, Penguin Random House is publishing Family Meal: Recipes from Our Community, a digital-only collection featuring 50 easy recipes from our family of food and drink authors that you can’t find anywhere else. Readers will get an exclusive look at what these culinary masters are cooking at home right now–recipes that feed, sustain, and provide connection to the world outside. From Mushroom Bolognese to Shrimp and Chorizo White Bean Stew to Chocolate Chip Olive Oil Cookies to Quarantine Wine Pairings, learn what Ina Garten, Samin Nosrat, Hugh Acheson, Dan Barber, Bobby Flay, Alison Roman, Christina Tosi, Kwame Onwuachi, Ruth Reichl, Claire Saffitz, Danny Trejo, and many others are cooking for comfort. All proceeds from Family Meal will benefit the Restaurant Workers’ Covid-19 Emergency Relief Fund, which supports on-the-ground efforts in the restaurant community during this challenging time.

     Beast: John Bonham and the Rise of Led Zeppelin is the first-ever biography of the iconic John Bonham, considered by many to be one of the greatest (if not THE greatest) rock drummer of all time. Bonham first learned to play the drums at the age of five, and despite never taking formal lessons, began drumming for local bands immediately upon graduating from secondary school. By the late 1960s, Bonham was looking for a more solid gig in order to provide his growing family with a more regular income. Meanwhile, following the dissolution of the popular blues rock band The Yardbirds, lead guitarist Jimmy Page sought the company of new bandmates to help him record an album and tour Scandinavia as the New Yardbirds. A few months later, Bonham was recruited to join the band who would eventually become known as Led Zeppelin-and before the year was out, Bonham and his three bandmates would become the richest rock band in the world. In their first year, Led Zeppelin released two albums and completed four US and four UK concert tours. As their popularity exploded, they moved from ballrooms and smaller clubs to larger auditoriums, and eventually started selling out full arenas. Throughout the 1970s, Led Zeppelin reached new heights of commercial and critical success, making them one of the most influential groups of the era, both in musical style and in their approach towards the workings of the entertainment industry. They added extravagant lasers, light shows, and mirror balls to their performances; wore flamboyant and often glittering outfits; traveled in a private jet airliner and rented out entire sections of hotels; and soon become the subject of frequently repeated stories of debauchery and destruction while on tour. In 1977, the group performed what would be their final live appearance in the US, following months of rising fervor and rioting from their fandom. And in September of 1980, Bonham-plagued by alcoholism, anxiety, and the after-effects of years of excess-was found dead by his bandmates. To this day, Bonham is posthumously described as one of the most important, well-known, and influential drummers in rock, topping best of lists describing him as an inimitable, all-time great. As Adam Budofsky, managing editor of Modern Drummer, explained, "If the king of rock 'n' roll was Elvis Presley, then the king of rock drumming was certainly John Bonham."

    The Gaslight Effect is not officially recognised, nor is it widely even known.Even when it is accepted, recognised and known not many people seem to know what to DO ABOUT IT to heal it… The fact is being in a relationship with a narcissist over a long period of time has long lasting traumatic effects that can be extremely catastrophic to the person suffering them.DO THE FOLLOWING SYMPTOMS SOUND FAMILIAR?- Doubting yourself and your sanity- Feeling like you’re losing your mind- Feeling like you’re always apologizing- You’re second-guessing your memory- Feeling like you aren’t good enough- Feeling misunderstood- Feeling lonely- Ruined self confidence- Extreme weight loss or weight gain- Uncharacteristic jealousy/ insecurity- Feeling like you don’t know the difference between right and wrong- Extreme paranoia (being turned into an obsessive detective)- Endless, repetitive obsessive thinking about your ex- Constantly trying to find explanations for what has happened- Feelings of helplessness and despair- A desire to self isolate- Feeling desperately misunderstood- Overwhelming feelings of loss and grief- Extreme bouts of rage- An inability to be comfortable with yourself- Strange dreams- Sudden inexplicable anxiety followed by rapid dips into depressionThe list goes on….“NOBODY UNDERSTANDS!”I hear this frustrated cry from abused people a lot.Gaslighting is a covert aggressive way of distorting another person’s perception of reality to the point that that person questions their sanity or their memory.Gaslighting is crazy-making, it makes you think that you’re actually going crazy.Gaslighting is a way of hiding the abuse.Gaslighting is lying with a goal.The motive behind the gaslighting is to make you think that you’re crazy or that your memory doesn’t work right. So you can’t trust yourself and your perceptions of reality.This means you’ll defer to the abuser for an account of what’s real so slowly over time the abuser becomes the authority over your life.Gaslighting takes place in relationships, like one-on-one relationships. It takes place in friendships, in family, in work, you’ll see gaslighting on the news, you’ll hear gaslighting coming from politicians, corporate shills, cult leaders, advertising commercials, etc.WHAT YOU WILL LEARN:- Top 10 Signs You're Being Manipulated with Gaslighting- 80 Things Narcissists Say During Gaslighting- Six Empowering Ways to Disarm a Narcissist and Take Control- How to Avoid Mental Manipulation- How to Deal with the Effects of Gaslighting- How Narcissists Employ Smart Devices        WHAT YOU NEED NOW:- Someone who has been through the same experiences you have and understands them from the inside.-Someone who has the knowledge, training, education and experience working on himself and others to lead you through the emotional sh*tstorm that breaking with a narcissist can create.

    A shocking, honest account revealing never-before-seen detail into MI5's operation. 'I do it because it is all I know. I'm a hunter of people and I'm damn good at it.' Bestselling author Tom Marcus is the first MI5 officer to tell the true story of British counter terrorism operations on our streets. Recruited after the 7/7 attacks on London, Tom quickly found himself immersed in the tense world of watching, following and infiltrating networks of terrorists, spies and foreign agents. It was a job that took over his life for months at a time and cost him dear, taking him to the limit of physical and mental endurance. Filled with extraordinary, searing accounts of operations that saved countless lives, Soldier Spy is the only authentic account by an ex-MI5 officer of the round-the-clock battle to keep this country's streets safe. 'Very well written, gives a startling amount of operational detail, the biggest shock of all - MI5 agreed to its publication' Sunday Times 'A blistering, visceral insight into life on the front line against terror, revealed in remarkable detail' Daily Telegraph 'Startling, absolutely fascinating. A footsoldier's account out on the street. A vivid picture of surveillance'Midweek, Radio 4 'Gripping. One of the most successful MI5 undercover surveillance officers of his time' Sun

    Drawing on new research, the book reveals how the landscape of higher education has shifted in recent decades and exposes the hidden truths of how the system works and whom it works for. And it introduces us to the people who really make higher education go: admissions directors trying to balance the class and balance the budget, College Board officials scrambling to defend the SAT in the face of mounting evidence that it favors the wealthy, researchers working to unlock the mysteries of the college-student brain, and educators trying to transform potential dropouts into successful graduates. With insight, humor, and passion, Paul Tough takes readers on a journey from Ivy League seminar rooms to community college welding shops, from giant public flagship universities to tiny experimental storefront colleges. Whether you are facing your own decision about college or simply care about the American promise of social mobility, The Years That Matter Most will change the way you think—not just about higher education, but about the nation itself.

    Between their children’s educational needs; their roles as spouse, parent, and more; and their own individual desires and goals, these mothers and fathers struggle to accomplish all that must be done. In Help for the Harried Homeschooler, experienced homeschooler, author, and mother of four Christine Field offers sound advice for parents who want not only to achieve homeschooling success but also to reach a balance in their lives.

    With The Five Years Before You Retire, you'll hone in on what you need to do in the next five years to maximize your current savings and create a realistic plan for your future. This book guides you through each financial, medical, and familial decision, from taking advantage of the employer match your company offers for your 401k program to enrolling in Medicare to discussing housing options with your family. Covering every aspect of retirement planning, these straightforward strategies explain in detail how you can make the most of your last few years in the workforce and prepare for the future you've always wanted. Whether you just started devising a plan or have been saving since your first job, The Five Years Before You Retire will show you what you need to do now to ensure that you live comfortably for years to come.

     Brush up on your Spanish, improve your reading and listening skills, and make learning new vocabulary so much easier with 11 fun and engaging Spanish stories. Reading and listening to short stories is an effective and enjoyable method to learning Spanish. The audio is FREE! For those of you who can’t just slip away from life, travel to Spain and immerse yourself in the language in order to learn it, this is your solution! Reading and listening to native-spoken Spanish stories is the next best thing. You have at your fingertips the written word AND its accompanying audio recording that allows you to: Gain a greater vocabulary that you can use immediately, every day. You will add 1,500+ Spanish words and expressions to your repertoire through the encounter of descriptive sentences and casual conversations woven throughout the stories. Sharpen your comprehension of the spoken word by listening to a native Spanish speaker. Learn how to pronounce Spanish words properly by comparing the written word to the audio recording. Familiarize yourself with a wide range of grammar structures and put them to use today. Avoid the monotonous task of memorizing grammar rules. How awesome is that?! Recommended for beginning and intermediate level Spanish learners. The stories are written for new Spanish learners. However, a basic understanding of Spanish is highly recommended to achieve maximum enjoyment and effectiveness of the lessons. This program is perfect for those who want to brush up on their Spanish language skills. How will this book improve your Spanish language skills: Each story is recorded by a professional. The speaker speaks slowly to help beginners improve their pronunciation. You receive 2 hours of MP3 audio recording! There is no need for a separate dictionary. Each story is broken down with a Spanish and English glossary that introduces you to the words and phrases you might not understand.Any Spanish to English translations needed to understand the stories are included in a mini dictionary, perfect for Kindle. A vocabulary recap at the end of each chapter allows you to review what you have read and listened to so you don’t forget the essential words and expressions taught throughout the lesson. All stories are written using vocabulary that you could easily use in your day-to-day conversations. With these 11 great Spanish short stories and the accompanying audio you can start improving your Spanish today!

    and Mrs. Smith had kids and wrote a parenting book, this is what you'd get: a practical guide for how to utilize key spy tactics to teach kids important life skills--from self-defense to effective communication to conflict resolution. --Working MotherChristina was a single, successful CIA analyst with a burgeoning career in espionage when she met fellow spy, Ryan, a hotshot field operative who turned her world upside down. They fell in love, married, and soon they were raising three children from his first marriage, and later, two more of their own.Christina knew right away that there was something special about the way Ryan was parenting his kids, although she had to admit their obsession with surviving end-of-world scenarios and their ability to do everything from archery to motorcycle riding initially gave her pause. More than that, Ryan's kids were much more security savvy than most adults she knew. She soon realized he was using his CIA training and field experience in his day-to-day child-rearing. And why shouldn't he? The CIA trains its employees to be equipped to deal with just about anything. Shouldn't parents strive to do the same for their kids?As Christina grew into her new role as a stepmom and later gave birth to their two children, she got on board with Ryan's unique parenting style--and even helped shape it using her own experiences at the CIA. Told through honest and relatable parenting anecdotes, Christina shares their distinctive approach to raising confident, security-conscious, resilient children, giving practical takeaways rooted in CIA tradecraft along the way. License to Parent aims to provide parents with the tools necessary to raise savvier, well-rounded kids who have the skills necessary to navigate through life.

    Whether you're new to camping or a seasoned pro, hit the road with Stephanie and Jeremy, hosts of the popular The RV Atlas podcast, as they show you the different ways that camping can lead to a happier, healthier family. From hiking with infants to navigating RV camping in state parks and camping in national parks—these outdoor lovers have tried it all, and See You at the Campground is a beautifully illustrated camping book for adults packed with personal anecdotes, packing lists, site recommendations, and recipes that will help you create a one-of-a-kind vacation on a family-friendly budget.Tips include: Reasons camping vacations are better Buying an RV Trip planning tips Road trip tips Campground etiquette Camping with family and friends National park adventuresThe perfect resource for parents—and a great gift for campers at any level—this is the ultimate family vacation book to bring the family closer every time you set up camp—whether it's in a cabin, tent, or RV.

    In her 20 years of working with couples, clinical psychologist Michelle Brody found a way to make change simpler. Her secret: clear and lighthearted illustrations that help couples literally see what’s driving their battles and blocking their bond, so they can chart a course together to stop the fights.The Money Fight “You’re such a cheapskate!” “You spend way too much!”The Sex Fight “Not tonight. I’m not in the mood.” “You haven’t been in the mood since 1975!”The Parenting Differences Fight “You’re too overprotective!” “Is skydiving next?!”Stop the Fight! includes more than 300 illustrations to help couples unlock the destructive cycles that drive the birthday fight, the difficult relatives fight, and other familiar battles. Going beyond common relationship advice, the tools in Stop the Fight! will help you understand the big picture and create lifelong change.

    His account of his rise from a self-described below-average student, to becoming a poster boy for the ambitious, successful young entrepreneur, to nearly destroying himself in the process is the subject of A Practical Way to Get Rich . . . and Die Trying. Roa's twenty-year-long journey from being dead-broke to wealth he never imagined is an absurd and often comical story of talent, luck, risk, rapidly changing technology, larger-than-life personalities, sex, gambling, and excessive alcohol and drug consumption. Roa's intention for his memoir is not to present a glamorous rags-to-riches saga, but, instead, to serve as a cautionary tale of the toll that entrepreneurship can take on ambitious young people unprepared for the physical and mental costs that "making it" can take. Those pitfalls eventually took their toll on Roa, who, in the face of round-the-clock pressure and risk taking, ultimately suffered a psychotic breakdown from which he almost didn't walk away. As he healed in the aftermath, he began to question the ethos that had brought him to that dark place, and he learned from other entrepreneurs that they, too, had experienced similar debilitating issues that they felt unable to admit, let alone discuss.A Practical Way to Get Rich . . . and Die Trying is a compelling memoir and the foundation for a campaign of honesty and vulnerability in an industry that currently allows neither. Roa aims to be the bridge to helping young leaders confront the mental health issues and abuse that too often accompany the tech startup that so many have embraced as their salvation for their future.

    The Asylum is a stunning exposé by a seasoned Wall Street journalist that once and for all reveals the truth behind America’s oil addiction in all its unscripted and dysfunctional glory.In the tradition of Too Big to Fail and Liar’s Poker, author Leah McGrath Goodman tells the amazing-but-true story of a band of struggling, hardscrabble traders who, after enduring decades of scorn from New York’s stuffy financial establishment, overcame more than a century of failure, infighting, and brinksmanship to build the world’s reigning oil empire—entirely by accident.

    It meant learning to use what they already had and being more creative.Less Stuff, More Adventure became their mantra as they focused on gaining enriching family moments and seeking personal development. Life became about only choosing what truly matters and simply disregarding the rest.With candid narrative of her experiences, insightful discussion of principles, and practical pages to fill in, Miranda s journey will empower the reader to make small, impactful changes to live more intentionally and will show that whatever they have today can be more than enough.