Spend less than you earn and clear debt.2. Insure against disaster.3. Build up your savings and invest wisely.You will learn:• How to get out of debt as quickly as possible.• Techniques for good financial control, so you can avoid getting into debt again.• The importance of insurance for laying down a foundation on which to build a solid financial plan, which isn’t washed away by an unexpected disaster.• How to save and invest simply and efficiently so that you can work your way towards future financial freedom.No matter your starting position, or your existing level of comfort with dealing with your money, Pete Matthew’s calm, straightforward and jargon-free approach will appeal to you and help you to set out on the right path.The Meaningful Money Handbook is a practical guide to succeeding with money by cutting out the stuff you don’t need to know, and clarifying the essential things you need to do, to make a real difference to your life.Don’t put it off any longer – pick up this book and start to take a meaningful approach to your money today.

    There’s just one problem: those and many simi­lar statements are false. For the past few decades, Americans have spent billions of dollars on personal finance products. As salaries have stagnated and companies have cut back on benefits, we’ve taken matters into our own hands, embracing the can-do attitude that if we’re smart enough, we can overcome even daunting financial obstacles. But that’s not true. In this meticulously reported and shocking book, journalist and former financial columnist Helaine Olen goes behind the curtain of the personal finance industry to expose the myths, contradictions, and outright lies it has perpetuated. She shows how an industry that started as a response to the Great Depression morphed into a behemoth that thrives by selling us products and services that offer little if any help. Olen calls out some of the biggest names in the business, revealing how even the most respected gurus have engaged in dubious, even deceitful, prac­tices—from accepting payments from banks and corporations in exchange for promoting certain prod­ucts to blaming the victims of economic catastrophe for their own financial misfortune. Pound Foolish also disproves many myths about spending and saving, including:Small pleasures can bankrupt you: Gurus popular­ized the idea that cutting out lattes and other small expenditures could make us millionaires. But reduc­ing our caffeine consumption will not offset our biggest expenses: housing, education, health care, and retirement.Disciplined investing will make you rich: Gurus also love to show how steady investing can turn modest savings into a huge nest egg at retirement. But these calculations assume a healthy market and a lifetime without any setbacks—two conditions that have no connection to the real world.Women need extra help managing money: Product pushers often target women, whose alleged financial ignorance supposedly leaves them especially at risk. In reality, women and men are both terrible at handling finances.Financial literacy classes will prevent future eco­nomic crises: Experts like to claim mandatory sessions on personal finance in school will cure many of our money ills. Not only is there little evidence this is true, the entire movement is largely funded and promoted by the financial services sector.  Weaving together original reporting, interviews with experts, and studies from disciplines ranging from behavioral economics to retirement planning, Pound Foolish is a compassionate and compelling book that will change the way we think and talk about our money.

    During the summer of his senior year at college, while earning a B.A. in Economics and Political Science, David P. Spears spent eighty hours undercover as a panhandler. Systematically recording every transaction at the exit ramp, Spears captured a rarely seen picture of how modern urban charity works.This book is the record of his adventures, part economic research, part investigative journalism. Both the numbers and the stories behind the numbers provide answers to the questions we’ve all been wondering: Who gives more to panhandlers—men or women? What percentage of drivers roll down their windows to donate? And most important of all, how much can a panhandler earn per hour?Get out your bi-weekly pay stub—by the end of this book you’ll know if you make more or less than the guy with the cardboard sign.

    Perhaps you thought of grocery stores or something sexy like internet retailing, but chances are you didn’t think of banking. Yet, most likely you interact with a bank every time you’re paid and when you pay your bills. Banks facilitate the flow of money through the economy and even if you don’t interact with a bank daily, the businesses you deal with on a daily basis do. For all the interaction people have with banks, few understand how they work or why they work. Even fewer understand why they should consider including bank stocks in their investment portfolio. There are a lot of misconceptions about banks, including understanding what they are and what they do. For many people the word “bank” evokes images of receiving a toaster upon opening an account, or thoughts of security related to the storing of precious items in a safety deposit box. Others might go further and tap their inner Michael Moore and talk about how banks are greedy and evil. It’s our belief that banks aren’t just places to store idle savings (on which you receive virtually nothing in interest) or to cash checks, but that they should be an integral part of an investor’s portfolio. The goal of this book is to provide you with a foundation and framework with which you can both begin to understand banks, but also learn the basic tools used to analyze banks as investments.

    Today's coach could be one of the greatest greatest authoritative figures in the life of today's adolescent. So the question isn't whether coaches leave a legacy, but rather, "What will that legacy be?" Current trending research shows that only 15% of coaches are intentional about coaching beyond the skills and strategies of the game (1st Dimension). A 3-Dimensional Coach understands and harnesses the power of the coaching platform to coach the mind (2nd Dimension) and transform the heart (3rd Dimension), tand they can be the catalysts for internal transformation that guides both the coach and the athlete on a spiritual journey to finding purpose in this performance-based culture of sport. "Now that's a legacy!" In "3D Coach," you will learn from National Coaches Training Director Jeff Duke about his own journey through the three dimensions of coaching and how it has impacted his life and those around him. You will also read the personal stories of coaches from all levels who have implemented the 3D concept into their own programs and who have pointed to Jesus Christ, the Master Coach, as the ultimate example of how to lead athletes to true significance.

         Since 2006 and the election of the 1st Harper government, the vision of Canada's future as an energy superpower has driven the political agenda, as well as the fast-paced development of Alberta's oil sands and the push for more pipelines across the country to bring that bitumen to market. Anyone who objects is labeled a dreamer, or worse--an environmentalist: someone who puts the health of the planet ahead of the economic survival of their neighbours.     In The Carbon Bubble, Jeff Rubin compellingly shows how Harper's economic vision for the country is dead wrong. Changes in energy markets in the US--where domestic production is booming while demand for oil is shrinking--are quickly turning Harper's dream into an economic nightmare. The same trade and investment ties to oil that pushed the Canadian dollar to record highs are now pulling it down, and the Toronto Stock Exchange, one of the most carbon-intensive stock indexes in the world--with over 25 percent market capitalization in oil and gas alone--will be increasingly exposed to the rest of the world's efforts to reduce carbon emissions.     Rubin argues that there is a lifeline to a better future. The very climate change that will leave much of the country's carbon unburnable could at the same time make some of Canada's other resource assets more valuable: our water and our land. In tomorrow's economy, he argues, Canada won't be an energy superpower, but it has the makings of one of the world's great breadbaskets. And in the global climate that the world's carbon emissions are inexorably creating, food will soon be a lot more valuable than oil.

    But today, it divides Americans more stridently than ever, due to a chronic failure of national leadership by both parties. Here at last is an attainable resolution guided by two core principles: first, immigration is vital to America’s future; second, any enduring resolution must adhere to the rule of law. Unfortunately, current laws are so cumbersome and irrational that millions have circumvented them and entered the United States illegally, taxing our system to the breaking point. Jeb Bush and Clint Bolick contend there are other unique factors currently at play: America’s future population expansion will come solely from immigrants. And for the first time, the U.S. must compete with other countries for immigrant workers and their skills. In the first book to offer a practical, nonpartisan approach, Bush and Bolick propose a compelling six-point strategy for reworking our policies that begins with erasing all existing, outdated immigration structures and starting over. From there, Immigration Wars details their plan for advancing the national goals that immigration policy is supposed to achieve: build a demand-driven immigration system; increase states’ autonomy based on varying needs; reduce the significant physical risks and financial costs imposed by illegal immigration; unite Mexico and America in their common war against drug cartels; and educate aspiring citizens in our nation’s founding principles and why they still matter. Here too is a viable variation of the DREAM Act as a legal status for children brought here illegally, and sound strategies for the Republican Party to revitalize their ever-decreasing core constituency. With Immigration Wars as a beacon of hope, Americans can finally solidify a national identity that is based on a set of ideals enriched and reinvigorated by immigrants, most of whom fervently embrace our core values—family, faith, hard work, education, and patriotism.

    The Israelis had received top-secret intelligence from a Syrian general and informant code-named Red Falcon, recruited 23 years earlier by Mossad spy Yehuda Gil—himself known as "the man of a thousand faces." Gil had been the general's sole handler, the conduit of decades of critical intelligence. But now, on the brink of war, questions arose about who exactly was handling whom. What information was real and what was a lie? Was Gil, a man of mythic exploits in Israeli intelligence, a hero or a traitor? With exclusive access to Gil and other key figures in one of the greatest intelligence intrigues in modern history, celebrated Israeli investigative journalist Ronen Bergman unravels the incredible true story of the Yehuda Gil affair. Bergman's unprecedented reporting takes him to the heart of Israel's shadowy spy agencies, arguments at the highest levels of a government lurching toward war, and last-minute secret meetings at the CIA and the White House to avert it. At the center of it all is the mystery of Red Falcon, his spymaster handler, and the very nature of deception.

    When it first appeared the New English Weekly predicted that 'for the next five to ten years it will cetainly remain a work with which no one who professes any degree of information on sociology or economics can afford to be unacquainted.' Fifty years on, this prediction seems a little understated.Why has the work endured so well? Schumpeter's contention that the seeds of capitalism's decline were internal, and his equal and opposite hostility to centralist socialism have perplexed, engaged and infuriated readers since the book's publication. By refusing to become an advocate for either position Schumpeter was able both to make his own great and original contribution and to clear the way for a more balanced consideration of the most important social movements of his and our time.

    In his acclaimed book―based on his legendary Harvard course―Sandel offers a rare education in thinking through the complicated issues and controversies we face in public life today. It has emerged as a most lucid and engaging guide for those who yearn for a more robust and thoughtful public discourse. "In terms we can all understand," wrote Jonathan Rauch in The New York Times, Justice "confronts us with the concepts that lurk . . . beneath our conflicts."Affirmative action, same-sex marriage, physician-assisted suicide, abortion, national service, the moral limits of markets―Sandel relates the big questions of political philosophy to the most vexing issues of the day, and shows how a surer grasp of philosophy can help us make sense of politics, morality, and our own convictions as well.Justice is lively, thought-provoking, and wise―an essential new addition to the small shelf of books that speak convincingly to the hard questions of our civic life.

    Miller shared his painful and joyful lessons about the many facets of his life and legacy and candidly spoke about the people and circumstances that influenced him. In Behind the Drive, the tables are turned as we hear firsthand from both famous and obscure people whose lives were influenced, inspired, and even transformed by the compassion, generosity, and leadership of Larry. More than 100 individuals share personal stories about the man who they came to know and love as a philanthropist, a Good Samaritan, an angel in disguise. Quite frankly, Larry H. Miller was addicted to helping people. It didn't matter who they were. It didn't matter what he was doing at the time. When Larry heard the call for help, he unassumingly went about to make things better. The marvel of Miller isn't what he did to shape a community or touch a life, it's how he did it—one person at a time. Readers might ask how did Larry H. Miller have the time to personally impact so many lives? The answer—Larry chose to use his time a little bit differently than most. Behind the Drive pulls back the curtain and shows us the difference one person can make when he's driven to serve.

    For the first time in human history, the globe is dominated by one economic system. In Capitalism, Alone, leading economist Branko Milanovic explains the reasons for this decisive historical shift since the days of feudalism and, later, communism. Surveying the varieties of capitalism, he asks: What are the prospects for a fairer world now that capitalism is the only game in town? His conclusions are sobering, but not fatalistic. Capitalism gets much wrong, but also much right--and it is not going anywhere. Our task is to improve it.Milanovic argues that capitalism has triumphed because it works. It delivers prosperity and gratifies human desires for autonomy. But it comes with a moral price, pushing us to treat material success as the ultimate goal. And it offers no guarantee of stability. In the West, liberal capitalism creaks under the strains of inequality and capitalist excess. That model now fights for hearts and minds with political capitalism, exemplified by China, which many claim is more efficient, but which is more vulnerable to corruption and, when growth is slow, social unrest. As for the economic problems of the Global South, Milanovic offers a creative, if controversial, plan for large-scale migration. Looking to the future, he dismisses prophets who proclaim some single outcome to be inevitable, whether worldwide prosperity or robot-driven mass unemployment. Capitalism is a risky system. But it is a human system. Our choices, and how clearly we see them, will determine how it serves us.

    Nearly a half-century after Neil Armstrong walked on the moon, these Space Barons-most notably Elon Musk and Jeff Bezos, along with Richard Branson and Paul Allen-are using Silicon Valley-style innovation to dramatically lower the cost of space travel, and send humans even further than NASA has gone. These entrepreneurs have founded some of the biggest brands in the world-Amazon, Microsoft, Virgin, Tesla, PayPal-and upended industry after industry. Now they are pursuing the biggest disruption of all: space. Based on years of reporting and exclusive interviews with all four billionaires, this authoritative account is a dramatic tale of risk and high adventure, the birth of a new Space Age, fueled by some of the world's richest men as they struggle to end governments' monopoly on the cosmos. The Space Barons is also a story of rivalry-hard-charging startups warring with established contractors, and the personal clashes of the leaders of this new space movement, particularly Musk and Bezos, as they aim for the moon and Mars and beyond.

    I.O.U. is the story of how we came to experience such a complete and devastating financial implosion, and how the decisions and actions of a select group of individuals had profound consequences for America, Europe, and the global economy overall. John Lanchester begins with "The ATM Moment," that seemingly magical proliferation of cheap credit that led to an explosion of lending, and then deftly outlines the global and local landscapes of banking and finance. Viewing the crisis through the lens of politics, culture, and contemporary history -- from the invention and widespread misuse of financial instruments to the culpability of subprime mortgages -- Lanchester draws perceptive conclusions on the limitations of financial and governmental regulation, capitalism's deepest flaw, and, most important, on the plain and simple facts of human nature where cash is concerned.Weaving together firsthand research and superbly written reportage, Lanchester delivers a shrewd perspective and a digestible, comprehensive analysis that connects the dots for the expert and casual reader alike. I.O.U. is an eye-opener of a book -- it may well provoke anger, amazement, or rueful disbelief -- and, as the author clearly reveals, we've only just begun to get ourselves back on track.

    Analysing various case studies of innovation-led growth, it describes the opposite situation, whereby the private sector only becomes bold enough to invest after the courageous State has made the high-risk investments.The volume argues that in the history of modern capitalism, the State has generated economic activity that would not otherwise have happened, and has actively opened up new technologies and markets that private investors can later move into. Far from the often heard criticisms of the State potentially 'crowding out' private investments, the State makes them happen, shaping and creating markets, not only 'fixing' them. Ignoring this reality only serves ideological ends, and hurts effective policymaking.This book examines case studies ranging from the advent of the Internet to the emergence of the biotechnology and nanotechnology industries. In particular, the volume debunks the myth that Silicon Valley was created by entrepreneurial venture capital. A key chapter focuses on the State investments behind Apple's success, and reveals that every major technology behind the iPhone owes its source to public funds. Thus, while entrepreneurial individuals like Steve Jobs are needed, their success is nearly impossible without their ability to ride the wave of State investments. And if Europe wants its own Googles, it needs more State action, not less.Two forward-looking chapters focus on the emergence of the next big thing after the internet: the 'green revolution'. Both solar and wind technology are currently being led by State spending, whether through the US ARPA-E programme or the Chinese and Brazilian State investment banks. The discussion refreshingly moves beyond the usual division between proponents of austerity vs. the proponents of fiscal stimulus. It argues that State investments not only help kick-start growth during periods of recession, but that they also, even in boom periods, lead to productive investments in radical new technologies which later foster decades of growth.The book ends with a fundamental question: if the State is so important to investments in high-risk innovation, why does it capture so little direct return?