Our wallets--like every other aspect of our lives--have gone fully digital. From mobile pay to on-demand everything to cryptocurrencies, technology is rewriting the rules for how we earn, save, spend and invest. Technology has made virtually every aspect of our lives cheaper and more convenient. Shouldn't it do the same when it comes to managing our finances?Von Tobel says that it can. In this straightforward and jargon-free guide, she shows us how to use the simple tools found on any smartphone to put more money back into our wallets. Readers will learn: Six new trends that are impacting our finances - and how to optimize them How to navigate the world of mobile pay, and cash in by going cash-free How to save time and money by putting your savings--and spending--on autopilot Best practices for keeping your identity and financial accounts ultra-secure How to talk to digital natives - ie your kids - about financial planning What the Bitcoin hype is all about and how to prepare for the future of digital moneyPreparing ourselves for the financial future gives us the security and freedom to live our richest lives. It's time to move Financially Forward...or get left behind.

      In the “wilderness” years after Winston S. Churchill unflinchingly guided his country through World War II, he turned his masterful hand to an exhaustive history of the country he loved above all else. And the world discovered that this brilliant military strategist was an equally brilliant storyteller. In 1953, the great man was awarded the Nobel Prize for Literature for “his mastery of historical and biographical description as well as for brilliant oratory in defending exalted human values.”   This second of four volumes exploring the history of this great nation explores the sixteenth and seventeenth centuries, from the power struggles of the Tudor and Stuart families, the growth of the monarchy, the Protestant Reformation, England’s Civil War, and the discovery of the Americas. A History of the English-Speaking Peoples remains one of the most compelling and vivid works of history ever written.   “This history will endure; not only because Sir Winston has written it, but also because of its own inherent virtues―its narrative power, its fine judgment of war and politics, of soldiers and statesmen, and even more because it reflects a tradition of what Englishmen in the hey-day of their empire thought and felt about their country’s past.” —The Daily Telegraph

    This book combines educational research with examples of how retrieval practice can work inside and outside of the classroom.Filled with evidence-informed ideas to support all teachers and leaders across Primary and Secondary. Retrieval practice is a vital element of the science of learning. Understanding how children learn is essential for all educators from NQTs to more experienced teachers and senior leaders.The educational research is presented in a format which is accessible, useful and informative and will help inform educators about cutting-edge research in a comprehensive, clear and applicable way. The practical resources are adaptable and ready to be implemented in any classroom to support and enhance teaching, learning and long term memory.

    But with a million blogs, books, and videos out there, just where do you start? The worldwide best selling "You Don't Know JS" book series is back for a 2nd edition: "You Don't Know JS Yet". All 6 books are brand new, rewritten to cover all sides of JS for 2020 and beyond. "Get Started" prepares you for the journey ahead, first surveying the language then detailing how the rest of the You Don't Know JS Yet book series guides you to knowing JS more deeply.

    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

    And yet, the majority of women still aren't being brought up to think like breadwinners. In fact, they're actually discouraged--by institutional bias and subconscious beliefs--from building their own wealth, pursuing their full earning potential, and providing for themselves and others financially. The result is that women earn less, owe more, and have significantly less money saved and invested for the future than men do. And if women do end up the main breadwinners, they've been conditioned to feel reluctant and unprepared to manage the role.In Think Like a Breadwinner, financial expert Jennifer Barrett reframes what it really means to be a breadwinner. By dismantling the narrative that women don't--and shouldn't--take full financial responsibility to create the lives they want, she reveals not only the importance of women building their own wealth, but also the freedom and power that comes with it. With concrete practical tools, as well as examples from her own journey, Barrett encourages women to reclaim, rejoice in, and aspire to the role of breadwinner like never before.

    Rather than becoming better problem solvers, kids look to Google to answer their questions for them. Rather than deepening students’ intellectual curiosity, educational technology is too often cumbersome and distracting, causing needless frustration and greatly extending homework time. Rather than becoming the great equalizer, electronic devices are widening the achievement gap. On a mission to educate and empower parents, Clement and Miles provide many real-world examples and cite multiple studies showing how technology use has created a wide range of cognitive and social deficits in our young people. They lift the veil on what’s really going on at school: teachers who are powerless to curb cell phone distractions; zoned-out kids who act helpless and are unfocused, unprepared, and antisocial; administrators who are too-easily swayed by the pro-tech “science” sponsored by corporate technology purveyors. They provide action steps parents can take to demand change and make a compelling case for simpler, smarter, more effective forms of teaching and learning.

    

    Money Magic offers a clear path to a richer, happier, and safer financial life. Whether you’re making education, career, marriage, lifestyle, housing, investment, retirement, or Social Security decisions, Kotlikoff provides a clear framework for readers of all ages and income levels to learn tricks like:How to choose a career to maximize your lifetime earnings (hint: you may want to consider picking up a plunger instead of a stethoscope).How to buy a superior education on the cheap and graduate debt-free.Why it’s smarter to cash out your IRA to pay off your mortgage.Why delaying retirement for two years can reap dividends and how to lower your average lifetime tax bracket.    Money Magic’s most powerful act is transforming your financial thinking, explaining not just what to do, but why to do it. Get ready to discover the economics approach to financial planning—the fruit of a century’s worth of research by thousands of cloistered economic wizards whose now-accessible collective findings turn conventional financial advice on its head. Kotlikoff uses his soft heart, hard nose, dry wit, and flashing wand to cast a powerful spell, leaving you eager to accomplish what you formerly dreaded: financial planning.

    In this thought-provoking book, the author presents a compelling case for why contemporary American educators are the greatest generation in history. He carefully explains why current national reform policies have failed and presents specific steps policymakers, administrators, and teachers must take to transform American schools to meet student needs in the 21st century.

    Buy now and start reading today! Are you a current business owner who struggles to identify your customers and deliver true world-class value? Everything you need to know is included in these pages! Do you want to build your hobby business into a fully-fledged venture that will help you build the life you deserve? Then you NEED this book. Buy now and start reading today! The most comprehensive guide ever developed for starting and growing a business in 2019! In the highly competitive world of business, what makes or breaks a new entrepreneur? Sourced from over twenty years of firsthand experience working with entrepreneurs, new ventures, and high-growth startups, author Ken Colwell, PHD, MBA has the answers. In his comprehensive Starting a Business QuickStart Guide, Ken Colwell concisely presents the core fundamentals that all new entrepreneurs need to know to get started, find success, and live the life of their dreams. Business and entrepreneurship students, small business owners, managers, and soon-to-be entrepreneurs will all find a wealth of value within the pages of the Starting a Business QuickStart Guide. From the very first steps conceptualizing your venture to winning your first customers, delivering value, and turning a profit, this book acts as an invaluable blueprint for your path to entrepreneurial success. Colwell’s clear voice, extensive experience, and easy-to-understand presentation come together to make this book a must-have resource in the library of every budding entrepreneur! Perfect For: Would-Be Entrepreneurs With a Ton of Passion! Entrepreneurial Students of All Ages! Beginners with Zero Prior Experience! Managers, Business Owners, and Decisions Makers Growing into a New Role! You'll Discover: The Difference Between an Idea and an Opportunity! What Makes an Entrepreneurial Opportunity Great! The Very First Steps You Need To Take To Get Your Venture Off The Ground! Pricing, Competition, Customer Identification, Marketing, and Distribution Demystified! The REAL Components of an Entrepreneurial Mindset! Exactly How To Craft Your Value Proposition! How to Write a Comprehensive Business Plan! ** LIFETIME ACCESS TO FREE RESOURCES & INVESTING SUPPORT *: Each book comes with free lifetime access to tons of exclusive online resources to help you become a better business owner such as workbooks, cheat sheets and reference guides. You also receive lifetime access to our online coaching community to help you achieve all of your financial goals!.* * GIVING BACK : * ClydeBank Media proudly supports the non-profit AdoptAClassroom whose mission is to advance equity in K-12 education by supplementing dwin

    It is through developing a self-reliant mindset, having essential survival gear and a handful of critical skills, that you and your family will be able to prevail in an urban crisis. Jammed with field-tested information from real-world applications, survival instructor Tony Nester covers how to prepare for both short-term survival ranging from 24-72 hours as well as long-term situations resulting from a grid-down emergency or pandemic. When the Grid Goes Down will show you how to make your home and lifestyle more self-sufficient and the critical gear needed along the way. Topics include: The 6 Key Areas for Creating a Self-Reliant Home, Water Storage and Purification Methods, Alternative Water Sources At Home, Creating a Water Map for Your Region, The 3 Essential Food Types to Stock Up On, Designing an Off-Grid Medical Kit, Home Security and Personal Defense Measures, Safeguarding the Exterior and Interior of Your Home, Heating, Cooling and Lighting When the Power Goes Out, and Alternative Sanitation and Hygiene Methods.

    Inside, you'll find hundreds of jokes that are guaranteed to stir up a room full of smiles, including knock-knocks, witty puns, and one-liners. Complete with hilarious quotes from celebrities like Jon Stewart, Lewis Black, and Jerry Seinfeld, everyone will revel in each gut-busting moment.So whether you're looking to add a few jokes to your repertoire, impress your buds, or improve your banter, this sidesplitting book arms you with the perfect joke for any occasion!

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    But how can you guide them without resorting to less-than-optimal behavior yourself? Dr. Becky Bailey's unusual and powerful approach to parenting has made thousands of families happier and healthier.Focusing on self-control and confidence-building for both parent and child, Dr. Bailey teaches a series of linked skills to help families move from turmoil to tranquility:7 Powers for Self-Control to help parents model the behavior they want their kids to follow. These lead to:7 Basic Discipline Skills to help children manage sticky situations at home and a t school, which will help your children develop:7 Values for Living, such as integrity, respect, compassion, responsibility, and more.Dr. Bailey integrates these principles in a seven-week program that gets families off to a good start, offering plenty of real-life anecdotes that illustrate her methods at work. With this inspiring and practical book in hand, you'll find new ways of understanding and improving children's behavior, as well as your own.