But it doesn’t have to be! Personal Finance 101 will provide you with all the skills you need to make good financial decisions and grow your personal wealth. Full of must-have advice and organized in an easy-to-read format, this book provides a wealth of knowledge on personal finance basics including: -Choosing your bank (and why it matters) -Building an emergency fund -Salary and benefit packages -Where your money is going (and how to keep more of it) -Refinancing or consolidating student loans -Health and property insurance -Building credit responsibly -How to get a mortgage Use this guide and make the most of the money you have, plan for future purchases like a house or a vacation, save for retirement, or simply become more financially responsible. Perfect for finance beginners or those looking to refresh their knowledge, Personal Finance 101 is the one-stop shop for all of your personal finance questions!

    

    Will a perennial favorite like Duke win? Or will it be a dark horse like Gonzaga? The phenomenon known as March Madness galvanizes a nation of viewers as few other sports events can. The reason? Bracketology. America eagerly watches as 64 teams become 32, then 16, then 8, then 4, then 2, and finally #1. Now it's time to use the same rigorous method for everything that really matters in culture, people, history, the arts and more. In The Enlightened Bracketologist the editors have organized the world's most haunting and maddeningly subjective questions into a scheme of binary pairings that finally reveal what is truly the best in its class: La Tache or Chateau Latour? (1) Barry Bonds or Terrell Owens? (2) "Vissi d'arte" or "Dove Sono"? (3) OJ verdict or JFK assassination? (4) "Top of the world, Ma" or "Nobody's perfect"? (5) Two by two, The Enlightened Bracketologist pits our cultural mainstays against each other; only the finest survive. Every double-page spread of this book will contain a series of brackets compiled by experts and celebrities, with text call-outs that highlight the reason why one competitor moves on and another doesn't. Already committed are Elvis Costello on popular songs; David Bouley on cookbooks; Leon Fleisher on piano music; Reneé Fleming on opera arias; Henry Beard on French phrases; Joseph Ward on wine.

    Soon Gen Xers will be the only cohort of Americans who remember life as it was lived before the arrival of the Internet. They are, as Hennessey dubs them, “the last adult generation,” the sole remaining link to a time when childhood was still a bit dangerous but produced adults who were naturally resilient. More than a decade into the social media revolution, the American public is waking up to the idea that the tech sector’s intentions might not be as pure as advertised. The mountains of money being made off our browsing habits and purchase histories are used to fund ever-more extravagant and utopian projects that, by their very natures, will corrode the foundations of free society, leaving us all helpless and digitally enslaved to an elite crew of ultra-sophisticated tech geniuses. But it’s not too late to turn the tide. There’s still time for Gen X to write its own future. A spirited defense of free speech, eye contact, and the virtues of patience, Zero Hour for Gen X is a cultural history of the last 35 years, an analysis of the current social and historical moment, and a generational call to arms.

    Featuring additional content in the form of photographs and record-breaking facts, The Bonus Chapter also provides a behind-the-scenes look at Guinness World Records. The Bonus Chapter is available exclusively as a richly designed eBook and includes our Top 10 Claimants, a 'Day in the Life of an Adjudicator' as well as a special section on the Olympics and a quiz to test your superlative knowledge. A perfect accompaniment to Guinness World Records 2013, The Bonus Chapter is for all those fans who want to learn even more about the ultimate authority on record-breaking.

    Written for gardeners who are passionate about plants of all kinds, it reflects decades of professional experience and artistic innovation. Tracy DiSabato-Aust provides not only inspiration but also scrupulously organized information on design and connoisseur plants. A gallery of detailed design plans is included, as is an encyclopedia of plant combinations with notes on design considerations and tips on how to keep the combinations looking their best. The result is a nearly foolproof guide to every aspect of designing superior gardens with superior plants. With more than 250 color photos and illustrations, this paperback edition of a design classic is as much a feast for the eyes as it will be a trusted reference for the library shelf.

    In The Tao of Poker, prize-winning poker player Larry Phillips offers more than 280 rules to bring you to new levels of personal achievement, just when and where you need them most.Here are some of The Tao of Poker’s rules for success:Take the long viewOnce you commit to a hand, play it strongDon’t throw in good money after badIf you think you’re beat, get outTry out these rules and watch your game, and your life, improve. Now you can be a winner at home, at work, and at the casino - wherever the stakes for success are high!

    

    This amusing but highly informative photographic journey reveals the idiosyncrasy and inventiveness that characterize the construction of the humble toilet around the globe.

    With the author's own wonderful Alaska stories and information on wildlife, native culture, landmarks, historical sites, shopping, and more, you won t miss a thing. Upton's Handbook traces the route used by most Alaska cruises, with maps and text keyed to a route numbering/navigational system that is frequently announced onboard, allowing the passenger to easily follow his ship s progress from Mile One. The wonderful illustrated maps and color photography throughout keep you informed throughout your journey, making a wonderful souvenir when it ends.

    A spine-chilling exploration of the haunted sites of Britain and Ireland, and an indispensable guide for ghost-hunters everywhere More than 130 haunted sites - and many more ghosts - are described in evocative and atmospheric detail A wealth of biographical information and extracts from original documents place the specters in their historical context Written by inveterate ghost hunter and professional tour guide, Richard Jones, whose detailed research reveals many ghost stories that have never before appeared in print Superb photography and contemporary illustrations supplement the text, and maps pinpoint the sites

    A well-rounded introduction to Mabon, this attractive book features rituals, recipes, lore, and correspondences. It includes hands-on information for modern celebrations, spells and divination, recipes and crafts, invocations and prayers, and more!

    

     “You’re about as useful as a windshield wiper on a goat’s butt.” Keep this book handy, someday you’ll be glad you have it. “Let's play horse. I'll be the front end and you just be yourself.” Pick any of the many jaw-dropping insults then laugh at the look on your adversary’s face when you whip one out and use it on them. You’ll leave no doubt in their mind that you are a master of sarcastic insults! ADDED BONUS: In addition to the fresh and hilarious insults in this book, you’ll also find great sarcastic observations about life hidden inside this book’s pages, like… “I think the reason so many people have smart phones is because opposites attract!” You’re no idiot, so you need this book to start your new life as the master of sarcastic insults and put-downs! “Hey! Who left the Idiot Box open? Now they're everywhere!”

    Pumped with pride and passion, the two best teams in Europe are about to engage in a gladiatorial battle in front of 100,000 fanatical supporters. But this is not just another match, another cup final. On this warm day in May, the future of English football – and a city’s reputation – is on the line. A year before this momentous Cup Final, Liverpool fans had been involved in the Heysel disaster. Thirty-nine people had died in the decaying stadium – a tragedy which cast a long, dark shadow over the sport. English clubs were banned from Continental competition, and football reached its lowest point. Tony Evans’s Two Tribes recalls the tumultuous 1985/86 season and the titanic struggle for supremacy between the two great Merseyside clubs. Set against a backdrop of social and political turmoil, it reveals the full impact of Thatcher’s policies, the vibrant northwest music scene and the burgeoning anti-establishment vibe on the streets and on the terraces. Giving voice to players, managers, politicians and musicians, Two Tribes follows the remarkable twists and turns of a season and how Merseysiders took over London for one unforgettable day with deafening chants of ‘Merseyside! Merseyside!’ ringing around Wembley Stadium. Ultimately, this is the story of Liverpool’s renaissance and Everton’s private agony, masked by a show of solidarity and communal spirit on the day, and how a season which began in shame ended in pride.