Children are hyper-aware of money, and they have scores of questions about its nuances. But when parents shy away from the topic, they lose a tremendous opportunity—not just to model the basic financial behaviors that are increasingly important for young adults but also to imprint lessons about what the family truly values.Written in a warm, accessible voice, grounded in real-world experience and stories from families with a range of incomes, The Opposite of Spoiled is both a practical guidebook and a values-based philosophy. The foundation of the book is a detailed blueprint for the best ways to handle the basics: the tooth fairy, allowance, chores, charity, saving, birthdays, holidays, cell phones, checking accounts, clothing, cars, part-time jobs, and college tuition. It identifies a set of traits and virtues that embody the opposite of spoiled, and shares how to embrace the topic of money to help parents raise kids who are more generous and less materialistic.But The Opposite of Spoiled is also a promise to our kids that we will make them better with money than we are. It is for all of the parents who know that honest conversations about money with their curious children can help them become more patient and prudent, but who don’t know how and when to start.

    Pensions have almost completely disappeared and the financial future of Social Security has many worried. This book shows you how to take control of your own future by teaching you the fundamentals of investing.Many people are afraid to put their hard earned money in the stock market because they don’t want to lose it all. This book shows you how to invest your money for growth instead of treating the stock market like a slot machine and just hoping to get lucky. Inside the book you will discover: The basics of what the stock market is and how it works The differences between passive and active investing The differences between stocks, bonds, and cash All about mutual funds and other types of funds What you need to know about the economy to make good investments How to plan for retirement All about risk And Much More This quick start guide will help you go from knowing very little about investing to being confident in starting your own investment in your retirement.If you are looking for a get rich quick scheme, this book isn’t for you. But, if you want to learn about how to invest and the best ways to plan for your retirement, this book will start you on the path of taking control of your own future.The sooner you get your copy, the sooner you can start your personal investment education. Don’t wait another second. Get Your Copy Right Now

    It's filled with practical, workable advice for anyone wanting to build wealth."--Mike Summey, co-author of the bestselling The Weekend Millionaire's Secrets to Investing in Real EstateAnyone who seeks financial wealth must first learn the fundamental truths and models that drive it. The Millionaire Real Estate Investor represents the collected wisdom and experience of over 100 millionaire investors from all walks of life who pursued financial wealth and achieved the life-changing freedom it delivers. This book--in straightforward, no nonsense, easy-to-read style--reveals their proven strategies.The Millionaire Real Estate Investor is your handbook to the tried and true financial wealth building vehicle that rewards patience and perseverance and is available to all--real estate. You'll learn:Myths about money and investing that hold people back and how to develop the mindset of a millionaire investorHow to develop sound criteria for identifying great real estate investment opportunitiesHow to zero in on the key terms of any transaction and achieve the best possible dealsHow to develop the dream team that will help you build your millionaire investment businessProven models and strategies millionaire investors use to track their net worth, understand their finances, build their network, lead generate for properties and acquire themThe Millionaire Real Estate Investor is about you and your money. It's about your financial potential. It's about discovering the millionaire investor in you.

    Today, the approach of using the dividend yield to identify values in blue chip stocks still outperforms most investment methods on a risk-adjusted basis.Written by Kelley Wright, Managing Editor of Investment Quality Trends, with a new Foreword by Geraldine Weiss, this book teaches a value-based strategy to investing, one that uses a stock's dividend yield as the primary measure of value. Rather than emphasize the price cycles of a stock, the company's products, market strategy or other factors, this guide stresses dividend-yield patterns.Details a straightforward system of investing in stick-to-quality blue-chip stocks with reliable dividend histories Discusses how to buy and sell when dividend yields instruct you to do so Investors looking for safety and transparency will quickly discover how dividends offer the yields they desire With Dividends Still Don't Lie, you'll gain the confidence to make sophisticated stock market decisions and obtain solid value for your investment dollars.

    

     Because these bonds serve as the foundation of our current financial system, when they are in a bubble, it means that all risk assets (truly EVERYTHING), are in a bubble, hence our title, The Everything Bubble. In this sense, the Everything Bubble represents the proverbial end game for central bank policy: the final speculative frenzy induced by Federal Reserve overreach. The Everything Bubble book is the result of over a decade of research and analysis of the financial markets and economy by noted investment analyst, Graham Summers, MBA. As such, this book is intended for anyone who wants to understand how the US financial system truly operates as well as those interested in the Federal Reserve’s future policy responses when the Everything Bubble bursts. To that end, The Everything Bubble is divided into two sections: How We Got Here and What’s to Come. Combined, these sections represent a blueprint for all things finance and money-related in the United States. This knowledge is now yours.

    Toughness is defined by four interdependent elements: Character-who are you and are you secure in your identity? Capability-what are you able to do? Capacity-what are you able to withstand? And Commitment-what are you willing to do?Being truly tough is a genuine command over ourselves and an ever-increasing mastery of the mental, emotional and physical elements that define us and determine the course of our lives. It gives us the fortitude, mindset and tools to not simply survive adversity, but to thrive through it and in its wake. It gives us a broad and always expanding array of capabilities that create self-reliance and confidence, give us access to new opportunities and experiences, and allows us to contribute more than we consume. It ensures we understand who we truly are, and that we ultimately determine that identity and reinforce it daily with our choices and habits. And true toughness allows us to remain committed to our chosen path to achieve what we intend no matter what it is or how difficult the process.This is not a chest-pounding call for "manly" activity, emotional sterility, and self-flagellation, but a guide to discover and develop our ultimate capacity to withstand adversity, to collect and build the mental and physical tools to accomplish the challenging and incredible, to find security in our identities and the confidence and resilience it engenders, and to become an active and positive contributor to the world at large.Tough is an inspiring look deep into what makes us tough and why it matters, and provides the practical tools and steps to achieve genuine change in your life.

    Photographer Glen Denny was a key figure in this golden age of climbing, capturing pioneering feats on camera while tackling challenging ascents himself.In entertaining short pieces enlivened by his iconic black-and-white images of Yosemite's big wall legends, Denny reveals a young man's coming of age and provides a vivid look at Yosemite’s early climbing culture. He relates such precarious achievements as hauling water in glass gallon jugs up the east face of Washington Column, nailing the 750-foot Rostrum in a punishing heat wave, and dangling overnight on El Capitan’s Dihedral Wall in a lightning storm. Each true tale captures the spirit of historic Camp 4, where Denny and others plan the next big climb while living on the cheap and dodging park rangers.

    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.

    Bernstein, well known for his insights on how individual investors can manage their personal wealth and retirement funds wisely Examines how the financial landscape has radically altered in the past two years, and what investors should do about it Contains practical insights that the everyday investor can understand Focuses on the concept of Pascal's Wager-identifying and avoiding worst-case scenarios, and planning investment decisions on that basis With The Investor's Manifesto as your guide, you'll quickly discover the timeless investment approaches that can put you in a better position to prosper over time.

    But you're not doomed to spend your life drowning in debt or mystified by money. It's time to stop scraping by and take control of your money and your life with this savvy and smart guide. Broke Millennial shows step-by-step how to go from flat-broke to financial badass. Unlike most personal finance books out there, it doesn't just cover boring stuff like credit card debt, investing, and dealing with the dreaded "B" word (budgeting). Financial expert Erin Lowry goes beyond the basics to tackle tricky money matters and situations most of us face #IRL, including: - Understanding your relationship with moolah: do you treat it like a Tinder date or marriage material? - Managing student loans without having a full-on panic attack - What to do when you're out with your crew and can't afford to split the bill evenly- How to get "financially naked" with your partner and find out his or her "number" (debt number, of course) . . . and much more. Packed with refreshingly simple advice and hilarious true stories, Broke Millennial is the essential roadmap every financially clueless millennial needs to become a money master. So what are you waiting for? Let's #GYFLT!

    Louis. For most of his life, he was an all-around normal kid. He excelled in sports and academics, and cherished his time at home with his family. It wasn't until he turned fifteen that things went seriously wrong. While attending his first high school party, he was introduced to pot and alcohol. Needless to say, he gave in to the pressure. A month after that, he discovered heroin. The drug had just made its way into the suburban party scene, and Jude was sure that he could get away with doing it only once. He was sadly mistaken. Within a few short months, his entire life was in shambles.In a series of events that leaves you grasping for the next page, Jude spares no amount of detail in his account of his near-decade long struggle with drug addiction, and the horrors he witnessed along the way.

    The view 16-year-old Thomas Osborne first had of Muskoka was at night, trudging alone with his even younger brother along unmarked primitive roads to find their luckless father who, in 1875, had decided to make a new start for his beleaguered family on some "free land" in the bush east of the pioneer village of Huntsville, Ontario. The miracle is that Thomas lived to tell the tale.For the next five years Thomas endured starvation, falling through the ice and freezing, accidents with axes and boats, and narrow escapes from wolves and bears. Many years later, after returning to the United States, Osborne wrote down all his adventures in a graphic memoir that has become, in the words of author and journalist Roy MacGregor, "an undiscovered Canadian classic."Reluctant Pioneer provides a brooding sense of adventure and un- sentimental realism to deliver a powerful account of pioneer life where tragedies arrive as naturally as rain and where humour resides in irony.

    And everything is based on the “science of investing” – evidenced with studies from peer-reviewed journals.Overall, this adds up to a complete retirement guide, packed with the latest and best knowledge. Don’t enter your retirement without it.

    But when it comes to turning those dreams into reality, women's retirement confidence and know-how is low. According to a 2012 survey, 92 percent of women of all ages in this country don't feel they're educated enough to reach their retirement savings goals. For the woman who doesn't know where to start or would like a knowledgeable guide who speaks her language, financial expert Mary Hunt offers a comprehensive but approachable resource for saving and planning for retirement. Whether she feels entitled to retire at age 65, hopes she'll be able to stop working "someday," or is convinced she'll never be able to retire, every woman will find real help in these pages. With her signature no-nonsense, energetic style, Hunt assures women that it's only too late if they don't start now. She clearly covers every aspect of retirement planning during every season of a woman's life, giving women the confidence they need to shape their futures.