The earlier we choosetosave(R), the sooner we can stop saving, and the later we start saving the more we need to know in order to catch up. What you need to know; where you can find the answers; how you can take action. It is all here." -Dallas Salisbury, CEO, Employee Benefit Research Institute and American Savings Education Council (www.choosetosave.org) "Bookstores are full of tomes advising people how to save for retirement, yet millions of people are still hopelessly confused about what they should do. Gail MarksJarvis breaks it down into simple steps that anyone can do to ensure a more comfortable retirement. Read this book and prosper!" -Liz Pulliam Weston, MSN Money Personal finance columnist and best-selling author of Your Credit Score "This book offers a sensible, sophisticated approach for tackling the daunting challenge of saving for retirement. The good news? You can retire-without living on canned food or buying lottery tickets-if you follow Gail's realistic strategies for saving, investing, and ultimately spending money in retirement." -Susan Tompor, Detroit Free Press "You can wallpaper a warehouse with all of the awful investment advice offered up every year in newspapers, magazines, and books. One of the most difficult tasks is to separate the get-rich-quick hype from the truly worthwhile knowledge that will make you wealthy over time. I'm thrilled to say that Gail MarksJarvis has cut through the claptrap of investment cacophony and provided not only a solid plan for retirement saving, but a realistic, common-sense approach to personal finance in general. This is a triumph." -John F. Wasik, Bloomberg News personal finance columnist and author, The Merchant of Power Drawn from responses to questions from over 20,000 readers of the author's personal finance columns. Over the years, Chicago Tribune financial columnist Gail MarksJarvis has taken the time to listen and respond to thousands of her readers about the issues, questions, and concerns that are most important to them. Saving and investing for retirement has never been more important...and with this book, it's never been clearer what you need to do and how to do it. Don't wait another day! Discover...How much you'll need and how to get there...even if you've fallen behind Exactly how to set up IRAs, 401(k)s, or 403(b)s in minutes and pocket your tax money How to harness the money-making power of the stock market How to pick the right mutual funds confidently with simple strategies and specific recommendations Incredibly easy, safe investing strategies based on professional money-management techniques "Gimmick-free" investing shortcuts that won't backfire on you How to keep debt from making you poor How to get reliable help if you need it...and avoid incompetents or scam artists How the new 2006 pension laws affect you MarksJarvis eliminates the insider jargon, confusion, and math...takes the mystery out of the stock market...simplifies investing techniques...answers all your questions...clears away every obstacle in your way so you make money without taking foolish risks. She's already done it for millions, in the nation's top newspapers and most popular financial radio and TV shows. Now, she'll do it for you, too! Introduction 1 Start Investing Early, or Start Now 1 2 Know What You'll Need 9 3 Savings on Steroids: Use a 401(k) and an IRA 39 4 An IRA--Every American's Treasure Trove 59 5 IRA Decisions: How to Start, Where to Go 65 6 Why the Stock Market Isn't a Roulette Wheel 89 7 What's a Mutual Fund? 105 8 Making Sense of Wacky Mutual Fund Names 115 9 Know Your Mutual Fund Manager's Job 127 10 The Only Way that Works: Asset Allocation 151 11 Do This 163 12 How to Pick Mutual Funds: Bargain Shop 181 13 Index Funds: Get What You Pay For 189 14 Simple Does It: No-Brainer Investing with Target-Date Funds 209 15 Do You Need a Financial Adviser? 219 Index 229

    The best way to lose weight is by developing a style of eating you can live with, because it’s flexible and probably unique to you. But often that’s easier said than done.You’ve no doubt tried some different things already. Maybe you’ve been advised to eat only when hungry and stop when full; to overeat your favourite foods so you’d learn to get over them; to find the right kind or combination of carbs, proteins and fats, or micronutrients; to deal with your emotions in order to stop wanting to eat so much.None of this takes into account what happens in your brain when your natural, survival drive to eat (and eat and eat) becomes activated. The purpose of this drive is to get you through the next famine, but in these times of plenty it’s a disaster. In the face of this, nutritional advice may not make much of a difference. You can know what’s healthy, but find it impossible to stick to for long enough.Do you feel hungry after a meal, no matter what was in it? Do you lose weight only to yo-yo back again? Do you think about food too much of the time? Would you like to stop dieting and eat ‘like a normal person’?<b>DITCHING DIETS</b> explains how to stop eating so much by thinking in a way that’s the opposite of dieting. The opposite because it’s the dieting mindset – especially the prohibitions - that contribute to the problem in the first place.You will discover how to eat in ways you truly want to live with, rather than ways you later regret; how to eat less without following any rules, either your own or those taken on from others; how to develop the motivation to make changes, and stay in touch with that motivation long term.You will learn how to eliminate:• persistent cravings and obsession with food• feeling deprived, miserable or irritable when you don’t overeat• an all-or-nothing relationship with food• rebellious overeating and bingeing.<b>DITCHING DIETS</b> will give you control around food so that you can lose weight – and maintain that weight loss in the longer term. This is about how to make a shift in your thinking about food that will last, and once you’ve made that shift there will be no need to diet again.<b>DITCHING DIETS</b> is easy to read, with thought-provoking and practical advice that the author has taught in seminars for many years. Not a book on nutrition, this is a common sense, gimmick-free approach that enables you to overcome your attraction to all that food you don’t really need. <i>“Her way of achieving a healthy lifestyle and junking diets for ever has to be the only way forward in my life.” </i>ELLE<i>“I can sense the shift in my thought process and I am no longer grazing from the fridge all night.” </i>The Daily Telegraph<i>“I am eating healthier food and less of it. What I like most is the idea of never going on a diet again.” </i>The Independent<b>A NOTE FROM THE AUTHOR</b>Many years ago I signed up for a liquid diet programme, and the day I was to begin I woke up with a strong desire for a large, fried, English breakfast. The thing was, I didn’t ever eat breakfasts like that at that time.

    After obtaining his business degree, he created a blog to chronicle a year-long series of productivity experiments he conducted on himself, where he also continued his research and interviews with some of the world’s foremost experts, from Charles Duhigg to David Allen. Among the experiments that he tackled: Bailey went several weeks with getting by on little to no sleep; he cut out caffeine and sugar; he lived in total isolation for 10 days; he used his smartphone for just an hour a day for three months; he gained ten pounds of muscle mass; he stretched his work week to 90 hours; a late riser, he got up at 5:30 every morning for three months—all the while monitoring the impact of his experiments on the quality and quantity of his work.  The Productivity Project—and the lessons Chris learned—are the result of that year-long journey. Among the counterintuitive insights Chris Bailey will teach you: ·         slowing down to work more deliberately; ·         shrinking or eliminating the unimportant; ·         the rule of three; ·         striving for imperfection; ·         scheduling less time for important tasks; ·         the 20 second rule to distract yourself from the inevitable distractions; ·         and the concept of productive procrastination. In an eye-opening and thoroughly engaging read, Bailey offers a treasure trove of insights and over 25 best practices that will help you accomplish more.

    We'll walk you through the key steps for every part of the process, and while it may seem repetitive at times, we want to make sure you have exactly the information you need, when you need it.And don't forget — this is a process! Publishing on Kindle is easy and takes only 5 minutes of your time — but correctly preparing your book for success on Kindle takes time and effort. Don't worry; if you follow the steps we outline here, you should feel confident you'll end up with a successfully designed and formatted book and one you will be proud to see for sale on Amazon.

    In this, his first book, Steve shares his phenomenally successful mind-management programme that has been used to help elite athletes and senior managers alike to conquer their fears and operate with greater control, focus and confidence.

    If you find yourself procrastinating, too busy to get your most important work done, or not sure how to get started, something needs to change before it’s too late. You’re only going to live for a set number of years, and once your time is up you won’t be able to check off your bucket list, accomplish that important goal, or achieve your dreams. So how can you possibly be too busy to get the most important things in life done? If you’re honest with yourself, you probably have a seemingly endless list of excuses—too busy, too tired, too… But deep down, there is a nagging feeling that something’s wrong, and you know you could be further along in your work than you are now—if only you just did what you knew you needed to do. The truth is life is complex, there will always be more work to do, and nothing you can do will change that. What you can do is learn a better system for dealing with life’s complexity so you can handle it well. That means you’ll finally be able to get your most important work done faster and easier than ever before. This book is for you if … You’re overwhelmed, overworked, and wanting more from life You’re under-achieving and under-delivering on your promises to yourself and others You’re tired of your own excuses because you know you can do better You want more freedom, more income, and more impact You have important work to do before you leave this world And most importantly… You’re up for the challenge of achieving your biggest goals in life! My Big Promise I believe you could be at least 10 times more successful than you currently are. All you need to make this huge leap in productivity is to pay attention to what really matters, stay focused on your most important project, and stop wasting time working in the weeds (you know, those things you do that aren’t getting you where you want to go in life). I believe you have greatness within you. You have an important message to share and many lives to change. Once you get rid of those ineffective working habits, excuses for holding back, and annoying voices in your head, you’ll be free to achieve your biggest goals and projects in life fearlessly—faster than you ever thought possible. Today Can be the Day That Everything Changes for You This book is designed to get you results in your business and life by giving you the systems, tools, and mindset you need to bring your biggest ideas and most important projects to life in 21 days or less. By reading and applying the principles you’re about to learn, you’ll be able to: Start Projects you’ve been putting off Finish projects you’ve started but stalled on Ship your work (get it out of your head, off your laptop, and into the world where it’s meant to be) Make more money (by completing projects that add massive value to the world) And 10x your productivity… …in 21 Day

    Our eyes play tricks on us; our stories change in the retelling; and most of us are fairly sure we’re way above average. In Why We Make Mistakes, journalist Joseph T. Hallinan sets out to explore the science of human error—how we think, see, remember, and forget, and how this sets us up for wholly irresistible mistakes.In his quest to understand our imperfections, Hallinan delves into psychology, neuroscience, and economics, with forays into aviation, consumer behavior, geography, football, stock picking, and more. He discovers that some of the same qualities that make us efficient also make us error prone. Why We Make Mistakes is enlivened by real-life stories--of weathermen whose predictions are uncannily accurate and a witness who sent an innocent man to jail--and offers valuable advice, such as how to remember where you’ve hidden something important. He explains why multitasking is a bad idea, why men make errors women don’t. This book will open your eyes to the reasons behind your mistakes and have you vowing to do better the next time.

    It’s about getting the right things done—the things that count, make a difference, and move the world forward. In our current era of massive overload, this is harder than ever before. So how do you get more of the right things done without confusing mere activity for actual productivity?When we take God’s purposes into account, a revolutionary insight emerges. Surprisingly, we see that the way to be productive is to put others first—to make the welfare of other people our motive and criteria in determining what to do (what’s best next). As both the Scriptures and the best business thinkers show, generosity is the key to unlocking our productivity. It is also the key to finding meaning and fulfillment in our work.What’s Best Next offers a practical approach for improving your productivity in all areas of life. It will help you better understand:• Why good works are not just rare and special things like going to Africa, but anything you do in faith even tying your shoes.• How to create a mission statement for your life that actually works.• How to delegate to people in a way that actually empowers them.• How to overcome time killers like procrastination, interruptions, and multitasking by turning them around and making them work for you.• How to process workflow efficiently and get your email inbox to zero every day.• How your work and life can transform the world socially, economically, and spiritually, and connect to God’s global purposes.By anchoring your understanding of productivity in God’s purposes and plan, What’s Best Next will give you a practical approach for increasing your effectiveness in everything you do.

    It's about learning to eat properly for your health." -Vitor Belfort, UFC two-time world champion"Mike Dolce's the best in the business."-Chael Sonnen, UFC world title contender"Mike Dolce's knowledge of nutrition and strength & conditioning has led him to be one of the most highly sought-after coaches in the sport." -Joshua Carey, Bleacher Report"You can learn a lot from this man right here." -Ariel Helwani, AOL's MMAFighting.comABOUT THE DOLCE DIET: LIVING LEANCalled "the patron saint of weight cutting," Mike Dolce has coordinated the high-profile weight loss for many of the world's top athletes, including...* Quinton "Rampage" Jackson, UFC / Pride FC world champion* Vitor "The Phenom" Belfort, UFC two-time world champion* Thiago "Pitbull" Alves, UFC world title contender* Chael Sonnen WEC / UFC world title contender* Gray "Bully" Maynard, UFC world title contender* Nate "Rock" Quarry, UFC world title contender* Mike "Quicksand" Pyle, WEC world champion* Jay "Thorobred" Hieron, IFL world championAs well as fan favorites...* Michael "The Count" Bisping, The Ultimate Fighter 3 winner* Jake "Juggernaut" Ellenberger, UFC veteran* Ed "Shortfuse" Herman, The Ultimate Fighter 3 runner-up* Chris "The Crippler" Leben, UFC veteran* Duane "BANG" Ludwig, UFC & K-1 veteranand many more!For the first time in print, Mike Dolce shares the same the principles, recipes, and strength-training workouts he uses in MMA's elite fight camps and how they can be used by YOU!INSIDE you will learn:* Recipes used in MMA's top fight camps with gluten-free & vegan options* Easy to follow sample meal plans with gluten-free & vegan options* Strength & Conditioning exercises with instructions & photos* Workout plans used by today's top athletesWHAT PEOPLE ARE SAYING ABOUT THE DOLCE DIETThe Dolce Diet, three words about Living Lean: 1. Simple 2. Inspirational 3. Effective. Thank you, Mike Dolce! You've made staying in shape easy! ~STEWART M. The Dolce Diet, Love it! My Little-Boy-2-B has been on it for 5.5 months! This diet is truly amazing for moms pre & post baby! Yes, The DolceDiet is prego friendly! Plenty of the RIGHT kind of food that tastes great! ~THE H2H WAITRESSStarted two weeks ago. Lost 13 pounds so far. Yea! Love the recipes! So do my kids! Thank you! ~DAWN H.Body fat down 4% in 2 months?! Yessss! #LIVING LEAN ~MOLLY C.The Dolce Diet, started 410, down 50 lbs. so far. ~ JOSH W.The Dolce Diet, 13 lbs. lost in 4 weeks! People are asking what I'm doing...Telling them LIVING LEAN! ~MIKE S.Real talk! The Dolce Diet is the Einstein, da Vinci and Jesus of losing weight all wrapped up in one...gluten free wrap that is. ~MIKEY F.Another 5 (lbs. lost) on The Dolce Diet. 25 pounds down in 2 weeks, 100 to go! #LivingLean! ~JOHN P.

    For the first time, all the pieces of The Secret come together in an incredible revelation that will be life-transforming for all who experience it.In this book, you’ll learn how to use The Secret in every aspect of your life—money, health, relationships, happiness, and in every interaction you have in the world. You’ll begin to understand the hidden, untapped power that’s within you, and this revelation can bring joy to every aspect of your life.The Secret contains wisdom from modern-day teachers—men and women who have used it to achieve health, wealth, and happiness. By applying the knowledge of The Secret, they bring to light compelling stories of eradicating disease, acquiring massive wealth, overcoming obstacles, and achieving what many would regard as impossible.

    Things you can change. It's about what "they" know and "you" can learn: The Rules of Life."" Here they are: 100 personal, "practical" rules for dreaming, planning, living, loving, and overcoming even life's toughest adversities... For knowing what matters... learning from experience...using your intuition... changing what you can...de-stressing... staying younger... "getting stronger." Read 'em. Learn 'em. "Live" 'em.You'll feel better. You'll live better.You'll be a better friend, partner, parent, child, "human being." You'll "do" it: one small, simple step at a time. One step a day, every day. "Starting today." "Introduction xi" Part I: Rules for You 1Part II: Partnership Rules 105Part III: Family and Friends Rules 141Part IV: Social Rules 171Part V: World Rules 201

    So, parents have a choice: either send that teenager to boarding school and visit him when he reaches normalcy again (in about ten years) or choose to experience the best, most fun years of life--together! The secret is in how the parental cards are played. With his signature wit and commonsense psychology, internationally recognized family expert and "New York Times" bestselling author Dr. Kevin Leman helps parents communicate with the "whatever" generationestablish healthy boundaries and workable guidelinesgain respect--even admiration--from their teenagerturn selfish behavior aroundnavigate the critical years with confidencepack their teenager's bags with what they need for life now and in the futurebecome the major difference maker in their teenager's life Teenagers can successfully face the many temptations of adolescence and grow up to be great adults. And parents, Dr. Leman says, are the ones who can make all the difference, because they count far more in their teenager's life than they'll ever know . . . even if their teenager won't admit it (at least until she's in college and wants to know how to do the laundry).

    This new edition is revised and updated throughout, and includes brand new information on how to keep technology from dominating our time.

    Most advice centers on what to do, or how to do it, and ignores the when of success. But exciting new research proves there is a right time to do just about everything, based on our biology and hormones. As Dr. Michael Breus proves in THE POWER OF WHEN, working with your body's inner clock for maximum health, happiness, and productivity is easy, exciting, and fun. THE POWER OF WHEN presents a groundbreaking new program for getting back in sync with your natural rhythm by making minor changes to your daily routine. After you've taken Dr. Breus's comprehensive Bio-Time Quiz to figure out your chronotype (are you a Bear, Lion, Dolphin or Wolf?), you'll find out the best time to do over 50 different activities. Featuring a foreword by Mehmet C. Oz, MD, and packed with fascinating facts, fun personality quizzes, and easy-to-follow guidelines, THE POWER OF WHEN is the ultimate "lifehack" to help you achieve your goals.

    If all we ever hear or speak is negativity, then when life pressures us, we're going to spew out toxic waste-doubt, fear, anxiety, poverty. As believers, we must be so filled with a Godly spirit, that when we are squeezed, nothing comes out but faith and Holy Ghost power. Its time to stop wavering in our faith and start living like we are positively sure of God's faithfulness. This inspirational 31 day positive self-talk declarations will bless you. It is a guide designed to compliment the Negative Self Talk Series. But can definitely stand on its own. It will provide examples of daily declarations that you can change to fit your situation. Each declaration is followed by a short inspirational message. Use this book as a bible study, alone or with a group of your closest friends. Encourage each other to be positive Christians. Lets allow our light to shine before men so that others will see our good works and glorify the Father in heaven (Matthew 5:16). Let's get delivered from negative self talk. Its time to live the blessed life God intended.