Now, Ric reveals the deceptive and manipulative business practices occurring in your retail mutual funds—practices that are causing you to suffer higher fees, greater risks, and lower returns than you realize. In The Lies About Money, he offers you a detailed yet easy-to-follow plan that lets you take back control of your investments—and your financial future. Here, Ric shares his most valuable lessons gained through two decades of working directly with individuals and families. He reveals the lies that have infiltrated your retail mutual funds and retirement accounts and teaches you how to invest your money in your employer retirement plan; how to save for college; and for those who are retired, how to generate more income without sacrificing security. He shows you that proper money management has nothing to do with “hot tips” and everything to do with scientific analysis, bolstered by solid academic research and historical data. Along the way, Ric shows you the secrets to investment success—a long-term focus, the importance of diversification, and the crucial need for (and methods of) portfolio rebalancing. With insight and strategies that will change people's lives, The Lies About Money offers the truth that everyone is looking for.

    With this book, you’ll know where to start.You wake up tired. Your to-do list is too long. The commitments—and the laundry—are piling up, but your energy keeps dwindling. You feel like you're simply making it through the days, not living or enjoying any part of them.In Say Goodbye to Survival Mode, you'll find both practical ideas and big-picture perspective that will inspire you to live life on purpose. As a wife, mother of three, and founder of the wildly successful blog MoneySavingMom.com, Crystal Paine has walked the road from barely surviving to living with intention. With the warmth and candor of a dear friend, she shares what she's learned along the way, helping you: - feel healthier and more energetic by setting priorities and boundaries - eliminate stress with savvy management of your time, money, and home - get more done by setting realistic goals and embracing discipline - rediscover your passions—and the confidence to pursue them Packed with straightforward solutions you'll use today and inspirational stories you'll remember for years, Say Goodbye to Survival Mode is a must for any woman who's ever longed for the freedom to enjoy life, not just survive it.

    With no funding and a $40 budget, Daymond had to come up with out-of-the box ways to promote his products. Luckily, desperation breeds innovation, and so he hatched an idea for a creative campaign that eventually launched the FUBU brand into a $6 billion dollar global phenomenon.  But it might not have happened if he hadn’t started out broke - with nothing but a heart full of hope and a ferocious drive to succeed by any means possible. Here, the FUBU founder and star of ABC’s Shark Tank shows that, far from being a liability, broke can actually be your greatest competitive advantage as an entrepreneur. Why?  Because starting a business from broke forces you to think more creatively.  It forces you to use your resources more efficiently. It forces you to connect with your customers more authentically, and market your ideas more imaginatively. It forces you to be true to yourself, stay laser focused on your goals, and come up with those innovative solutions required to make a meaningful mark.  Drawing his own experiences as an entrepreneur and branding consultant, peeks behind-the scenes from the set of Shark Tank, and stories of dozens of other entrepreneurs who have hustled their way to wealth, John shows how we can all leverage the power of broke to phenomenal success. You’ll meet: ·         Steve Aoki, the electronic dance music (EDM) deejay who managed to parlay a series of $100 gigs into becoming a global superstar who has redefined the music industry ·         Gigi Butler, a cleaning lady from Nashville who built cupcake empire on the back of a family  recipe, her maxed out credit cards, and a heaping dose of faith ·         11-year old Shark Tank guest Mo Bridges who stitched together a winning clothing line with just his grandma’s sewing machine, a stash of loose fabric, and his unique sartorial flairWhen your back is up against the wall, your bank account is empty, and creativity and passion are the only resources you can afford, success is your only option.  Here you’ll learn how to tap into that Power of Broke to scrape, hustle, and dream your way to the top.From the Hardcover edition.

    Tammy Strobel and her husband are living the voluntary downsizing — or smart-sizing — dream and here she combines research on well-being with numerous real world examples to offer practical inspiration. Her fresh take on our things, our work, and our relationships spell out micro-actions that anyone can take to step off the getting-and-spending treadmill and into a life that’s more conscious and connected, sustainable and sustaining, heartfelt and happy.

    But is it even possible anymore? Considering the amount of distraction and pressure that exists in society today, living a fulfilling life may seem like an unachievable dream. But it is not—not with the nine habits outlined in this book.New York Times bestselling author and widely known blogger, Rachel Macy Stafford, reveals nine habits that help you focus on investing in the most significant parts of your life. As your hands, heart, and eyes become open, you will experience a new sense of urgency—an urgency to live, love, dream, connect, create, forgive, and flourish despite the distractions of our culture. By following each daily Hands Free Declaration, you will be inspired to adopt mindful daily practices and new thought-processes that will help you:•         Make meaningful, lasting human connections despite the busyness of everyday life.•         Live in the now despite that inner nudge pushing you out of the moment toward perfection and productivity.•         Protect your most sacred relationships, as well as your values, beliefs, health, and happiness, despite the latent dangers of technology and social media.•         Pursue the passions of your heart without sacrificing your job or your daily responsibilities.•         Evaluate your daily choices to insure you are investing in a life that matters to you.With a Hands Free Life perspective, you will have the power to look back and see you didn’t just manage life, you actually lived it—and lived it well.

    Her pioneering work uncovered a profound truth: Vulnerability—the willingness to show up and be seen with no guarantee of outcome—is the only path to more love, belonging, creativity, and joy. But living a brave life is not always easy: We are, inevitably, going to stumble and fall.It is the rise from falling that Brown takes as her subject in Rising Strong. As a grounded theory researcher, Brown has listened as a range of people—from leaders in Fortune 500 companies and the military to artists, couples in long-term relationships, teachers, and parents—shared their stories of being brave, falling, and getting back up. She asked herself, What do these people with strong and loving relationships, leaders nurturing creativity, artists pushing innovation, and clergy walking with people through faith and mystery have in common? The answer was clear: They recognize the power of emotion and they’re not afraid to lean in to discomfort.Walking into our stories of hurt can feel dangerous. But the process of regaining our footing in the midst of struggle is where our courage is tested and our values are forged. Our stories of struggle can be big ones, like the loss of a job or the end of a relationship, or smaller ones, like a conflict with a friend or colleague. Regardless of magnitude or circumstance, the rising strong process is the same: We reckon with our emotions and get curious about what we’re feeling; we rumble with our stories until we get to a place of truth; and we live this process, every day, until it becomes a practice and creates nothing short of a revolution in our lives. Rising strong after a fall is how we cultivate wholeheartedness. It’s the process, Brown writes, that teaches us the most about who we are.

    They were letting emotion get in the way of smart financial decisions. He named this phenomenon-the distance between what we should do and what we actually do-"the behavior gap." Using simple drawings to explain the gap, he found that once people understood it, they started doing much better.Richards's way with words and images has attracted a loyal following to his blog posts for The New York Times, appearances on National Public Radio, and his columns and lectures. His book will teach you how to rethink all kinds of situations where your perfectly natural instincts (for safety or success) can cost you money and peace of mind.He'll help you to:avoid the tendency to buy high and sell low; avoid the pitfalls of generic financial advice; invest all of your assets-time and energy as well as savings-more wisely; quit spending money and time on things that don't matter; identify your real financial goals; start meaningful conversations about money; simplify your financial life; stop losing money!It's never too late to make a fresh financial start. As Richards writes: "We've all made mistakes, but now it's time to give yourself permission to review those mistakes, identify your personal behavior gaps, and make a plan to avoid them in the future. The goal isn't to make the 'perfect' decision about money every time, but to do the best we can and move forward. Most of the time, that's enough."

    But many managers can't read a balance sheet, wouldn't recognize a liquidity ratio, and don't know how to calculate return on investment. Worse, they don't have any idea where the numbers come from or how reliable they really are. In Financial Intelligence, Karen Berman and Joe Knight teach the basics of finance--but with a twist. Financial reporting, they argue, is as much art as science. Because nobody can quantify everything, accountants always rely on estimates, assumptions, and judgment calls. Savvy managers need to know how those sources of possible bias can affect the financials and that sometimes the numbers can be challenged. While providing the foundation for a deep understanding of the financial side of business, the book also arms managers with practical strategies for improving their companies' performance--strategies, such as "managing the balance sheet," that are well understood by financial professionals but rarely shared with their nonfinancial colleagues. Accessible, jargon-free, and filled with entertaining stories of real companies, Financial Intelligence gives nonfinancial managers the financial knowledge and confidence for their everyday work. Karen Berman and Joe Knight are the owners of the Los Angeles-based Business Literacy Institute and have trained tens of thousands of managers at many leading organizations. Co-author John Case has written several popular books on management.

    That resilience inspired her to write 13 Things Mentally Strong People Don't Do, a web post that instantly went viral, and was picked up by the Forbes website.Morin's post focused on the concept of mental strength, how mentally strong people avoid negative behaviors--feeling sorry for themselves, resenting other people's success, and dwelling on the past. Instead, they focus on the positive to help them overcome challenges and become their best.In this inspirational, affirmative book, Morin expands upon her original message, providing practical strategies to help readers avoid the thirteen common habits that can hold them back from success. Combining compelling anecdotal stories with the latest psychological research, she offers strategies for avoiding destructive thoughts, emotions, and behaviors common to everyone.Like physical strength, mental strength requires healthy habits, exercise, and hard work. Morin teaches you how to embrace a happier outlook and arms you to emotionally deal with life's inevitable hardships, setbacks, and heartbreaks--sharing for the first time her own poignant story of tragedy, and how she summoned the mental strength to move on. As she makes clear, mental strength isn't about acting tough; it's about feeling empowered to overcome life's challenges.

    It’s overwhelming— and the more complicated the proposed solution, the harder it is to stick with it.That’s why The Debt-Free Spending Plan is SIMPLE. It doesn’t require sifting through chapters of high-minded financial advice or digging up your past spend ing history. It assumes you need help RIGHT NOW, and gives it to you. You will learn to:• Downsize expenses without feeling deprived• Allocate money as it comes in and put together an easy-to-manage bill-paying plan• Adjust for inevitable overspending• Pay off debt without gouging expenses and (believe it or not) start savingThe plan is clear, easy, and takes just five minutes a day—and it doesn’t matter if you make $14,000 or $14 million. With straightforward daily spending strategies and effortless expense tracking tools, you will soon find yourself on the road to financial freedom—all before the next billing cycle.

    Wattles spent a lifetime considering the laws of success as he found them in the work of the world’s great philosophers. He then turned his life effort into this simple, slender book – a volume that he vowed could replace libraries of philosophy, spirituality, and self-help for the purpose of attaining one definite goal: a life of prosperity. Wattles describes a definite science of wealth attraction, built on the foundation of one commanding idea: “There is a thinking stuff from which all things are made…A thought, in this substance, produces the thing that is imaged by the thought.” In his seventeen short, straight-to-the-point chapters, Wattles shows how to use this idea, how to overcome barriers to its application, and how work with very direct methods that awaken it in your life. He further explains how creation and not competition is the hidden key to wealth attraction, and how your power to get rich uplifts everyone around you. The Science of Getting Rich concludes with Wattle’s rare essay “How to Get Want You Want” – a brilliant refresher of his laws of wealth creation.

    Be it hiring a new employee, investing in a financial interest, speaking with your child about drugs, confronting your significant other about suspected infidelity, or even dating someone new, having the ability to unmask a lie can have far-reaching and even life-altering consequences.As former CIA officers, Philip Houston, Michael Floyd, and Susan Carnicero are among the world’s best at recognizing deceptive behavior. Spy the Lie chronicles the captivating story of how they used a methodology Houston developed to detect deception in the counterterrorism and criminal investigation realms, and shows how these techniques can be applied in our daily lives.Through fascinating anecdotes from their intelligence careers, the authors teach listeners how to recognize deceptive behaviors, both verbal and nonverbal, that we all tend to display when we respond to questions untruthfully. For the first time, they share with the general public their methodology and their secrets to the art of asking questions that elicit the truth.Spy the Lie is a game-changer. You may never experience another book that has a more dramatic impact on your career, your relationships, or your future.©2012 Philip Houston, Susan Carnicero, Don Tennant, Michael Floyd (P)2012 Macmillan

    An avid investor and business owner, Rachel talks straight about how to attain financial freedom.

    Michaeleen Doucleff becomes a mother, she examines the studies behind modern parenting guidance and finds the evidence frustratingly limited and the conclusions often ineffective. Curious to learn about more effective parenting approaches, she visits a Maya village in the Yucatán Peninsula. There she encounters moms and dads who parent in a totally different way than we do—and raise extraordinarily kind, generous, and helpful children without yelling, nagging, or issuing timeouts. What else, Doucleff wonders, are Western parents missing out on? In Hunt, Gather, Parent, Doucleff sets out with her three-year-old daughter in tow to learn and practice parenting strategies from families in three of the world’s most venerable communities: Maya families in Mexico, Inuit families above the Arctic Circle, and Hadzabe families in Tanzania. She sees that these cultures don’t have the same problems with children that Western parents do. Most strikingly, parents build a relationship with young children that is vastly different from the one many Western parents develop—it’s built on cooperation instead of control, trust instead of fear, and personalized needs instead of standardized development milestones. Maya parents are masters at raising cooperative children. Without resorting to bribes, threats, or chore charts, Maya parents rear loyal helpers by including kids in household tasks from the time they can walk. Inuit parents have developed a remarkably effective approach for teaching children emotional intelligence. When kids cry, hit, or act out, Inuit parents respond with a calm, gentle demeanor that teaches children how to settle themselves down and think before acting. Hadzabe parents are world experts on raising confident, self-driven kids with a simple tool that protects children from stress and anxiety, so common now among American kids. Not only does Doucleff live with families and observe their techniques firsthand, she also applies them with her own daughter, with striking results. She learns to discipline without yelling. She talks to psychologists, neuroscientists, anthropologists, and sociologists and explains how these strategies can impact children’s mental health and development. Filled with practical takeaways that parents can implement immediately, Hunt, Gather, Parent helps us rethink the ways we relate to our children, and reveals a universal parenting paradigm adapted for American families.

    When it comes to spending that money, most people just follow their intuitions. But scientific research shows that those intuitions are often wrong.Happy Money offers a tour of research on the science of spending, explaining how you can get more happiness for your money. Authors Elizabeth Dunn and Michael Norton have outlined five principles—from choosing experiences over stuff to spending money on others—to guide not only individuals looking for financial security, but also companies seeking to create happier employees and provide “happier products” to their customers. Dunn and Norton show how companies from Google to Pepsi to Charmin have put these ideas into action.Along the way, Dunn and Norton explore fascinating research that reveals that luxury cars often provide no more pleasure than economy models, that commercials can actually enhance the enjoyment of watching television, and that residents of many cities frequently miss out on inexpensive pleasures in their hometowns. By the end of this “lively and engaging book” (Dan Gilbert, author of Stumbling on Happiness), you’ll be asking yourself one simple question every time you reach for your wallet: Am I getting the biggest happiness bang for my buck?