It’s as easy as 1-2-3—simply personalize, print, and protect.      Suze Orman and her own estate trust attorney have created the most state-of-the-art documents found anywhere. There are more than $2,500 worth of estate documents in this kit. Why pay thousands of dollars when you can get the same documents in this kit for $19.95!      This kit includes:•     More than 50 state-of-the-art documents•     Free automatic on-line updates•     Verbal and written instructions taking you step by step through the four must-have documents•     Password protection securing multiple users’ information•     A tutorial that shows you everything you need to know•     10 electronic books                                         PC and Macintosh Compatible . . . and good in all 50 states!

    With children at school, life is both easier and harder and there are very different challenges on the horizon—mothers are often thinking of going back to work, or juggling work–life balance issues. They are questioning what they want out of life, how they want to interact with the world, and creating new definitions for themselves. Children are more demanding too, asking questions, testing boundaries, and beginning to define themselves as separate from their parents. Sarah Napthali explores the distinct issues arising from this phase of motherhood and how Buddhism can play a role in providing answers and direction, in her usual warm, wise, inclusive, and accessible style.

    But that was before he discovered that there are billions of scholarship dollars out there for students with all types of interests, skills, and backgrounds. After winning enough college cash to cover virtually the entire cost of his dream school, he's written an indispensable guide that shows you how to stake your own scholarship claim.Now in this fully revised and updated edition, Ben distills his proven step-by-step game plan that positions you to win big money for college -- regardless of your age, GPA, financial situation, or family background. With humor and insight, he reveals insider secrets for successfully finding, applying for, and winning lucrative scholarship awards -- empowering you with the information, inspiration, and know-how to afford the college of your choice and realize your educational dreams.Special Note: As a valued reader of this book, you also receive access to the Coach's Locker Room at Ben Kaplan's ScholarshipCoach.com website. The Coach's Locker Room provides a wealth of bonus material, updates to information contained in How to Go to College Almost for Free, question and answer postings, and other helpful resources.

    This is not you grandma's coupon book! Pick Another Checkout Lane, Honey teaches you step-by-step how to:o Find coupons and "stack" them with a sale for huge savings.o Build a stockpile of food at rock-bottom prices to last you and your family up to a year.o Make passers-by gape at your cart full of groceries you purchased for 75% off retail price.o Get your cashiers to gasp and applaud as you purchase everyday items for pennies on the dollar.o Gain the confidence to strut down the aisles, flaunt your coupons, and maybe even wear high heels to the grocery store!Authors Joanie Demer and Heather Wheeler, founders of TheKrazyCouponLady.com, share their expertise along with hundreds of tried and true coupon tips in a fun, user-friendly format that will have shoppers high-fiving the grocery store cashier in no time.

    Learn how to use CDs, bonds, and bond funds to manage risk/reward even during low interest rates. You will learn:How to choose your stocks/bonds allocationHow to become immune to changing interest ratesWhen to use CDs and individual bondsHow to choose a good bond fundHow to hedge against unexpected inflationContents:Foreword by Larry SwedroeIntroduction- Who Should Read This Book?- Start with a Sound Financial LifestyleWhy Bother With Bonds?- Stocks are risky in the short-run, and the long run too!- Bonds Make Risk More Palatable- Bonds Can Be A Safe Bet- Bonds Are An Attractive Investment DiversifierLife Is Complicated. Bonds Are Not.- What is a Money Market Fund?- Are CDs Better Than Bonds?- What Are Bonds?- What is a Bond Ladder?- Individual Bonds or a Bond Fund?Bonds: Risks and Returns- Yield, Price And Making Comparisons— How To Compare Individual Bond Returns— How to Compare Bond Fund Returns— Total Return: To Measure And Compare Performance- How To Reduce Risk From Interest Rates Changes— Duration: The Point of Indifference to Interest Rates— Duration: The Measure of Sensitivity to Interest Rates- How To Reduce Risk From Unexpected Inflation— Real versus Nominal Interest Rates— Why Include TIPS In Your Portfolio?- Credit Quality or Default RiskBuild The Bond Portion Of Your Portfolio- Start With Your Goals.- How Much Risk Is Right For You?— Understand How Much Risk You’re Taking— Take Your Risk In Stock Market, Not Bond Market— How Much in Bonds? How Much in Stocks?— Your Needs Change Over Time- The Importance of Low Cost— How Much To Diversify Bonds?— The Importance of Low Cost— Five Low-Cost Strategies You Can Do Yourself- Taxes Matter- Example Portfolios (both good and bad)Common Misconceptions Important to Correct- Stocks Are Safer In The Long Run- Holding a Bond (or CD) to Maturity Eliminates Risk- Stocks Are Safer Than Bonds- The Best Funds Have The Most Stars- A One Percent Fee Is Small- Rising Interest Rates are Bad for Bond Holders- You Can’t Beat the Market Using Index Funds- Use Multiple Investment Companies To Diversify- You Need Many Mutual Funds to Diversify- Frugal Means StingyReviews Worth Noting:“[As] stocks have surged and bond yields have dwindled, investors increasingly ask "Why bother with bonds?" Rick Van Ness takes this question and runs with it in his book sporting this provocative title. Sooner or later, this question will answer itself, and it will behoove all investors to get to know Rick before it does. Read it, enjoy it, and profit from it—before it's too late.”William J. BernsteinAuthor, The Four Pillars of Investing“In his simply stated and entertaining book, Rick Van Ness eloquently instructs the reader on how to do bonds right – in fact, better than any single book I’ve read.”Allan S. RothAuthor: How a Second Grader Beats Wall Street“If you are a DIY investor . . . you should read this book. It will steer you clear of areas you need to avoid and into where you should be. A quick read filled with valuable info!”Robert Wasilewski“This book should be part of America’s high school curriculum.”Andrew HallamAuthor: Millionaire Teacher

    The solution: Learn to parent the QBQ® way - and bring personal accountability to life within our families. Based on the same concepts that have made John Miller's signature work, QBQ: The Question Behind the Question, an international bestseller over the last decade, Parenting the QBQ Way provides the tool called the QBQ or The Question Behind the Question that will help every parent look behind questions such as "Why won't my kids listen?" or "When will they do what I ask?" to find better ones-QBQs-like "What can I do differently?" or "How can I improve as a parent?" This simple but challenging concept turns the focus - and responsibility - back to parents and to what they can do to make a difference. With thoughtful commentary, observation, and advice, illustrated with engaging and memorable anecdotes that are the hallmarks of John Miller's previous books, Parenting the QBQ Way provides all moms and dads with the means and inspiration to be more effective parents - as well as teach their children how to practice their own brand of personal accountability - to create a happy, healthy family for a lifetime.

    The most talented investors in the world play this game, and if you try to compete against them, it’s like playing against the house in a casino. Luck can be your friend for a while, but eventually the house wins. But what if you could lay down your bets with the house instead of against it? In the stock market, the most successful large investors—particularly hedge fund managers—represent the house. These managers like to refer to their top investments as their “best ideas.” In this book, you will learn how to farm the best ideas of the world’s top hedge fund managers. You will learn who they are, how to track their funds and stock picks, and how to use that information to help guide your own portfolio. In essence, you will learn how to play more like the house in a casino and less like the sucker relying on dumb luck.

    This book shows you how to: get started with little or no cash investment through creative financing and market savvy, and learn the nine tips for identifying the investment property (and where to find it).

    Although this social revolution created a firestorm of controversy, no one questioned the idea that women's involvement in the workforce was certain to improve families' financial lot. Until now.In this brilliantly argued book, Harvard Law School bankruptcy expert Elizabeth Warren and business consultant Amelia Tyagi show that today's middle-class parents are suffering from an unprecedented and totally unexpected economic meltdown. Astonishingly, sending mothers to work has made families more vulnerable than ever before. Today's two-income family earns 75% more money than its single-income counterpart of a generation ago, but actually has less discretionary income once their fixed monthly bills are paid.How did this happen? Warren and Tyagi provide convincing evidence that the culprit is not "overconsumption," as many critics have charged. Instead, they point to the ferocious bidding war for housing and education that has quietly engulfed America's suburbs. Stay-at-home mothers once provided a financial safety net if disaster struck; their move into the workforce has left today's families chillingly at risk. The authors show why the usual remedies--child-support enforcement, subsidized daycare, and higher salaries for women--won't solve the problem, and propose a set of innovative solutions, from rate caps on credit cards to open-access public schools, to restore security to the middle class.

    But for most of us, investing can be stressful and confusing, especially when supposedly expert predictions fail. Enter The 3% Signal. Simple and effective, Kelly’s plan can be applied to any type of account, including 401(k)s—and requires only fifteen minutes of strategizing per quarter. No stress. No noise. No confusion. By targeting three percent growth and adjusting holdings to meet that goal, even novice investors can level the financial playing field and ensure a secure retirement free from the stress of noisy advice that doesn't work. The plan's simple technique cuts through the folly of human emotion by reacting intelligently to price changes and automatically buying low and selling high. Relayed in the same easy-to-understand language that has made The Neatest Little Guide to Stock Market Investing such a staple in the investing community, The 3% Signal is sure to become your most trusted guide to investing success.

    Two leading experts provide an authoritative and reassuring guide to the issues and concerns of adoptive and birth families through all stages of the open adoption relationship.

    This family mission statement kit will help you: Unite your family around a common sense of purpose and mission Develop more patience and the capacity to solve problems proactively Strengthen you children and family members in a turbulent world Eliminate ineffective family habits Transform family life from a desperate, miserable, day-to-day grind to a family life rich with meaningful relationships

    Everything you wanted to know about Stock Market Investing effectively dispels that notion. Using simple language, devoid of scary 'financial jargon', it covers all aspects of stock market investing and issues that are tangential too. From financial planning and the impact of inflation on investments, from equity investing strategies like top-down and bottom-up investing etc. to risk mitigation measures like value averaging, using market volatility, this book makes your knowledge on investing in stocks holistic. Everything you wanted to know about Stock Market Investing also goes beyond just explaining how markets work. With practical tips and illustrations, axioms, action points and test questions it prepares you for your practical journey into the world of stocks. The book not only helps the investor comprehend the nuances of equity investing for wealth buildup, it also helps the investor understand macroeconomic aspects and their impact on businesses, how to respond in times of panic, how to avoid being the victim of stock market scams and finally, how to compute equity investment returns before and after tax. It manages to transform the seemingly formidable task of stock investing into an enjoyable and rewarding exercise that leaves you wanting to know more and do more. It is most definitely the first step for the uninitiated and an actual trigger point for those who have been watching from the wings.

    Staying within a budget these days is a hard act to stick with, especially if you have a family of four or more. When juggling a busy schedule dedicated to school, work, and family activities, convenience has a tendency to overrule thriftiness-and we all know convenience comes at a cost. But if you can master your spending in just one area-your food bill-you will greatly expand your spending options for other, more rewarding areas of your life. What would you do with more free time in your day?You 've heard the saying " time is money, " and time well spent can save you big bucks. Learning how to compile grocery lists, compose weekly menu plans, and shop less will not only save money at the register, it will also save you time in the store and in the kitchen. Come to the table prepared to enjoy the feast as you build time-saving skills that will serve you and your family for a lifetime to come.What would you do with more fun-filled family opportunities?Saving time and money will not only make you feel good about yourself, it will also give you the greatest spending opportunity of all-more family fun. Whether planning for a special getaway, staycation, or simply a weekly family night, your family is your best investment. With all the time and money you 'll save, you 'll be able to refocus your energies where they matter most-with the ones you love.Whether you 're overhauling your entire budget or just trying to save a little here and there, making a dent in your grocery bill may seem challenging in today 's market. A typical supermarket trip can easily cost a minimum of $100, and if you 're feeding an average family or larger, that number can soar even higher. What 's a mom on a budget to do?Family Feasts for $75 a Week to the rescue! Written by blogger mom and penny-pincher extraordinaire Mary Ostyn, who prepares three meals a day for her family of 12 for $800 to $900 a month, this book is stuffed to the gills with Mary's expert, in-the-trenches tips on savvy food shopping, plus 200 delicious recipes for homecooked meals that make the most of economical ingredients. Selected by Good Morning America as one of the best cookbooks of 2009, Family Feasts for $75 a Week offers real-world advice teaches real-world families how to save in more ways than one.

    Sue enjoys her day job, working for wealthy car dealer Fred Hunt, but her main love is dancing, and in the evenings she and Jane are always to be found at the local dance hall. When one memorable night the band brings in a devastatingly handsome new singer, Cy Taylor, Sue can’t help falling for him and he invites her to visit him in his hotel room. But reality hits hard after the dance when Cy moves on. Just when she thinks life couldn’t be worse, tragedy strikes. Will Sue ever find the love and happiness she craves?