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

    You may be overloaded with too much of information. There are loads of information in form of books and articles out there that can help you. However, would it be nice to have an easy and simple process to follow to handle this area of your life? Discover The Easy Guide To Public Speaking: “Public Speaking Essentials” will reveal 6 steps that’ll help you overcome your fear and speak like a PRO. These are easy to understand and implement solutions coming from someone who was in the trenches and who's now an active and successful public speaker. Since he was a shy kid as he was growing up, Rama ventured into Public Speaking to handle this area of his life. As a result of his learning from mentors, toastmasters and contests, Ramakrishna Reddy has won more than 25 Public Speaking Contests and written 3 books related to Public Speaking. He speaks regularly to people ranging from few dozens to few hundreds. Ramakrishna is dedicated to sharing the lessons he’s learned to help others become confident in public speaking. Public Speaking Revealed in Six Simple Steps: How to overcome Public Speaking Anxiety How to master three pillars of Public Speaking How to Practice for Presentation Day How to Handle the Presentation Day How to create a connection with the audience How to handle glitches during the presentation day Download now to know more about this 'no clutter' guide.

    Baby becomes distressed at feeding times and refuses to feed or eats very little despite obvious hunger. Why won’t he/she eat? This is a question parents ask numerous health professionals while searching for a solution. Babies are typically diagnosed with one, two or three medical conditions to explain their aversive feeding behavior during brief appointments. Consequently, many parents don’t receive an effective solution from the health professionals they consult. This is why this book is so necessary. Rowena Bennett is an Australian nurse who holds professional qualifications in various nursing fields including pediatrics, midwifery, child health, mental health and lactation consultant. She has over 20 years experience advising parents how to resolve infant feeding and sleeping problems. Rowena has helped over 1000 babies get over their aversion to bottle-feeding and enjoy feeding once again. Parents claim the relief is life changing. In Your Baby’s Bottle-feeding Aversion, Rowena describes the various reasons babies display aversive feeding behavior, explains how the reader can identify the cause, and describes effective solutions. Included are step-by-step instructions on how to resolve a behavioral feeding aversion that occurs as a result of being repeatedly pressured to feed - the most common of all reasons for babies to become averse to feeding. Your Baby’s Bottle-feeding Aversion provides practical professional feeding advice that not only makes good sense, it works!

     Would you like to capture your thoughts and to-do's so they don't ALWAYS run loose and rampant in your mind?Would you like to significantly improve your efficiency and productivity so you free up YOUR time?Or maybe you'd like to reduce your stress AND still get more DONE. If so, you've found the right book!Unless you've been living under a rock for the past 13 years you would have heard about David Allen's "Getting Things Done" (GTD) System detailed in his New York Times Bestseller Getting Things Done: The Art of Stress-free Productivity. Jack Echo has built upon the same best-selling productivity principles in the newly revised 2015 GTD system by providing a comprehensive guide on how to integrate these principles with OneNote (a free digital note-taking software developed by Microsoft). Through integration of the two systems you have the added benefit and ability to note-take wherever you are without a pen and paper whilst supercharging your productivity in all your daily activities.No matter how technologically illiterate you may be, this guide will walk you step by step on how to set up the GTD system in OneNote within 30 minutes by following the diagrams and 5 simple steps laid out for you. If you aren't familiar with the GTD productivity system by David Allen, Jack has you covered as he explains the foundations of the productivity system. Inside You'll Discover... What the 2015 GTD System Is and WHY It Significantly Improves Your Productivity What OneNotes All About and How to Easily Navigate the Features The #1 Thing You MUST Avoid for Enhanced Productivity The Answer to the Ever Eluding Question: OneNote or EverNote?! How to Set OneNote Up Rapidly in 5 Savvy Steps Why OneNote and GTD Form the Dream Team 6 Productivity Hacks & Tricks with OneNote that Will Make You a Productivity Ninja Integration of OneNote with Other Software 7 Lucrative Lists to Stress-free Productivity How to Use OneNote with GTD to Decrease Stress and Get More Done in Less Time The Core Principles of the GTD System Results from Studies Done by Cognitive Scientists on Productivity and the Implications It Has On You Three Reasons Why Things Are Always on Your Mind PLUS: How to Get Six Free Bonus eBooks Inside... What are you waiting for?Times ticking! Get more out of your TIME and EFFORT today by making the smartest investment you could possibly make. An investment in yourself , your future and your productivity. Scroll up NOW and Buy with 1-Click!

    Pellham **Do you own a guinea pig but don’t know the first thing about how to take proper care of it? Are you considering getting one but want to make sure it’s really the best decision for you? Whatever your situation, this book will teach you everything you need to know to make sure you are making the best possible decisions.Taking care of any pet can be a huge responsibility. That’s why it is so important to do your research and really know what you are getting yourself into before you actually commit to owning any pet. Guinea pigs are no exception to this rule. While they are becoming increasingly more common as household pets, guinea pigs are still somewhat exotic and, as a result, most people don’t really know much about exactly what they need.That’s exactly where this book comes in. If you’ve been browsing the animal shelter or pet websites and can’t resist the adorable furry face of those guinea pigs you’ve seen, read this book before you make an impulse decision you might regret.Learn about:•The 10 different breeds of guinea pig you can own as a pet•The pros & cons of owning a pet guinea pig•The supplies you’ll need to provide a proper home for your new pet (and a rough estimate of how much it will cost)•The basic care you will need to provide for your guinea pig•How to train your guinea pig to do cool & useful tricks•A brief overview of how to breed your pet guinea pig and sell the offspringSo get this book and decide if this adorable little creature is the right addition to your home and then learn how you can be the best guinea pig parent there ever was!>>Purchase or Download This Book Today, Available on Kindle & in Print. <<

    Success comes to those who pursue their goal with persistence, purpose and dedication. They are the ones who can convert their dreams to reality. They never give up on their dreams, no matter what the odds are. Enriched with simple techniques and stories, this book is a practical guide to developing the attitude to stay strong, confident and committed in the journey towards achieving one’s dream.

    Steve Jobs: 11 The Most Important Life And Business Lessons Of Steve Jobs

    I spent time looking for a book which would show me how a "raw" story was developed through drafts, with comments received and the changes made. Struggling to find such a work, I decided to create my own, being transparent and honest in the details. Using the story that gained me an offer of a place on a Master's in Creative Writing, SHORT STORY will take you through three drafts of the work.The book details not only the major revisions, feedback given by a professional novelist and an academic, but also has a bunch of tips from my writers toolbox condensed between the drafts. I hope that the process provides something useful for you, be it a tip from the writing toolbox, a look at the editing process, or motivation in knowing that you can do better than I did!

    Your colorful pictures of flowers will produce a stunning flower art book that you can be proud of.In recent years coloring for grown-ups has become a widespread and growing hobby. There are of course many reasons for this, but here are just some... Coloring Lowers Stress And Anxiety Psychiatrists have long known that coloring relaxes the fear center of the brain and allows your mind to get some rest. In fact the founder of analytical psychology, Carl Jung, is known to have given his patients mandalas to color more than one hundred years ago. In today's hectic world the stress reducing properties of coloring are possibly more valuable than ever. Coloring Trains Your Brain To Focus Remaining inside the lines as you color needs focus and, while you are concentrating on this stress-free and relaxing activity, you can forget about your worries. Coloring is a mind exercise which allows you to put aside everything else for the time you spend coloring, and this is very important in our increasingly demanding world. Coloring Helps In The Development Of Fine Motor Skills And Vision Coloring forces the two hemispheres of the brain to work together and involves both the use of logic (necessary for coloring forms) and creativity (as we mix and match colors). In turn, this brings those areas of the brain responsible for fine motor skills and vision into play, and helps in keeping these active and in developing them further. It is this aspect of coloring which is being seen more and more as especially valuable for older individuals, as many in the medical profession believe that it can delay, or even prevent, the onset of dementia. Coloring Provides The Chance To Be Social Although you might feel that coloring should be a solo occupation, its rising popularity is quickly turning it into a social one. Friends, families, work colleagues and others are getting together to eat, drink and enjoy the chance to socialize, through their shared interest in coloring books. Without doubt, this is a perfect excuse for getting together, as coloring needs only a minimum of concentration and can easily be done in a group setting. Coloring Lets You Be Yourself There are no rules when it comes to coloring and your coloring book is your coloring book. If you mistakenly make the cat's back leg green because you mistook it for part of the grass, who cares? If you feel like making the sky yellow, what does it matter? You can be as creative as you wish because this is your coloring book, and yours alone."You may already be a convert to adult coloring, in which case you will already know and appreciate its value. This may however be a new project for you and one which you are considering for any one of several different reasons. If this is something new for you then I urge you to give it a try. There is a reason why so many people are fired up about the world of adult coloring, so join in and start enjoying the benefits for yourself today. IMPORTANT Please note that the illustrations in this Kindle book are deliberately of a relatively low quality in order to keep the download size of the book small.

    From drills and shape-up exercises, to helpful tips on safety and injuries, this book is packed with information for every rugby admirer. Explanations in plain English.The Dummies Way(R)"Get in, get out" information Icons and other navigational aids Tear-out cheat sheet Top ten lists A dash of humor and fun Get smart! @ www.dummies.comFind listings of all our books Choose from many different subject categories Sign up for eTips at etips.dummies.com

    She says, "If you're going reach your highest potential in life, you're going to have to develop the ability to see beyond where you are right now." Through empowering, uplifting stories and biblical teachings, Victoria will encourage you to set your mind and intent towards the important things in life with seven exceptional practices:Keep your memory box full of encouragementLift up your eyesKnow that you are chosenLove wellKeep your accounts shortLive in your space of gratitudeStart your day off rightLive encouraged, live empowered, and live intentional, and see the new and exciting things God has in store for you.

    Coverage explores the on-board effects, low-light settings, and automatic HDR shooting. Clear explanations detail the ways in which you can use the new features of the Nikon D5100 to add unique shots to your portfolio while an explanation of photography terms gets you confident and savvy with this fun DSLR camera.Covers basic camera controls and functions, shooting in auto mode, setting photo quality, and navigating menus and the view screen Introduces the basics of photography, including the settings that control lighting, exposure, focus, and color Addresses the new low-light and HDR settings Encourages you to use the new onboard effects features and shares tips for improving images with editing software Get a grasp on the fun Nikon D5100 with this fun and friendly guide!

    This is a rare opportunity to hear two luminaries from the field of self-development together for the first time on an audio program.As you absorb the information on these four CDs, you’ll find that you can transform your challenges and concerns into spiritual triumphs; learn the keys to empowering yourself in the midst of change, chaos, and complexity by understanding and applying spiritual principles to your life; and discover the deeper meaning inherent in your daily experiences and see your life as a blueprint for growth and personal evolution.

    Popular author Rabbi Daniel Lapin digs into the "holy" Hebrew language -- which not only conveys data but, as linguists know, also contains it. On a fascinating treasure hunt, his book decodes eternal wisdom embedded in the ancient tongue on relationships, human pleasure, life's meaning, and more. With real-life anecdotes, drawn from his lifetime in the rabbinate, the author uncovers a wealth of insights intended for our enrichment and enjoyment. A practical, easy read which will fascinate, entertain, and instruct us in the awesomeness of the Lord's language.

    In a world full of options and abundance The Life Diet will equip you with the tools and motivation to make your life more centred, deeper connected, and more in control.