Radical Frugality tells the story of 5 people who did it: Paul, 27, discovering how to overcome student loan debt; David and Winona, late 40's, living their retirement dream today; and Dan and Charlotte, family of 4, with an underwater mortgage. Waking up every morning debt-free with cash in your pocket helps your brain feel safe, secure, and smart. Embracing the concepts in this book frees you from the overwhelming anxiety of the consumer lifestyle by showing you how to take control. You can start today. What if you could spend 66% less money than you spend today setting yourself up to live a self-determined lifestyle doing exactly what you love to do regardless of financial compensation? Radical Frugality shows you exactly how to achieve those goals within one to five years. Using our step-by-step common sense plan, we teach you what to do (break the spell of the consumer credit con), when to do it (planning and preparation), and most importantly where to do it (discover the 5 top cities for living frugally). We'll help you evaluate your financial situation. Are you in the Yellow Zone, the Orange Zone, the Red Zone, or even the Dead Zone (paying debt with debt)? This book lays out a plan for how to pay off your debt and get into the Neutral Zone (getting back to monthly break-even), the Green Zone (debt free with $1,000 a month free cash-flow) or even the Golden Zone (living a self-determined life). Whether you are desperate right now about your financial situation, facing retirement, just starting out, or just plain tired and worn-out from struggling to pay bills, Radical Frugality can show you over 100 tips for feeling better today. Radical Frugality offers a soup to nuts plan for living a self-determined life that will leave you happier and healthier than ever before. CHAPTER ONE: IT'S NOT ABOUT WHAT YOU EARN—IT'S ABOUT WHAT YOU SPEND. HOW TO TAKE CONTROL CHAPTER TWO: THE CONSUMER CREDIT CON. HOW MARKETERS PLAY TRICKS ON YOUR BRAIN CHAPTER THREE: WHY FRUGALITY? GETTING STRAIGHT ABOUT WHY YOU'RE ON THE PLANET CHAPTER FOUR: WHO ARE YOU TODAY? EVALUATE YOUR SPENDING PROFILE CHAPTER FIVE: HOW TO DO IT. YOUR STEP BY STEP PLAN TO GAIN CONTROL CHAPTER SIX: GOING GREEN AND NEVER LOOKING BACK. THIS IS YOUR BRAIN ON CASH CHAPTER SEVEN: WHEN WILL YOU BE READY? LEARNING TO ASK THE RIGHT QUESTIONS CHAPTER EIGHT: LIVING THE DREAM. WHERE YOU LIVE DETERMINES HOW YOU LIVE

    When author Nancy Lande started homeschooling more than 10 years ago, this is the book she wanted that didn't exist. What better way to create your homeschool than reading about others and picking and choosing the styles that appeal to you? Lande has corralled a variety of homeschoolers and, with some deft editing, allowed them to speak for themselves. Every chapter features a different household on any given day. Many of the writers are mothers, but a stay-at-home dad and several children tell their tales as well. Their detailed descriptions start in the waking hours of morning and get down to the nitty-gritty information of everyday life in a homeschool: how moms fit in showers, how chores are divvied up, how reading and research are gently initiated, how parents set aside time for themselves. These writers invite the reader into their homes and advise, "Don't mind the mess." Their passages are often funny and unflinchingly honest. They aren't embarrassed to tell you they whipped out SpaghettiOs for a hurried lunch or stole a peek at CNN while ignoring the chaos in the playroom. Some of the families have created highly structured school environments within their homes, with desks and sharpened pencils. Others promote freestyle learning, with their children sprawled across the house working on projects or reading in between walking the dog, playing games, and riding bikes. The majority of families here live in Pennsylvania, the author's home state, but one writes from as far away as Scotland, another lives on a mountain in Alaska, and yet another checks in from a college town in Texas. Their learning logs, reading lists, and journal entries, along with family photos, help illustrate the book. The quilt they piece together is a great service to those wondering how to approach homeschooling. --Jodi Mailander Farrell

    Whether you’re planning to make a permanent move to homeschooling or you’re temporarily balancing it alongside paid work, Extraordinary Parenting shows that you don’t need a huge house, endless free time, or a host of expensive resources to unlock your child’s potential.Instead, this straightforward and empathic book will teach you to:— Deepen your connection with your child to create an attachment that promotes learning and openness.— Build strong, adaptable family rhythms to provide your child with security and stimulation every day, every month, and every year.— Create a calm, simplified home environment which will encourage deep play and independence — whatever your living situation.— Discover enjoyable ways of learning together as a family, identify your child’s interests, and use traditional teaching materials in a creative way.— Take care of your own needs as a parent, in order to become the parent your child needs.Based on years of research and hands-on work with parents, this book will reassure you that, whilst extraordinary times call for extraordinary parenting, you can be sure that you are up to the challenge.

    In Die Broke, you'll learn that life is a game where the loser gives his money to Uncle Sam at the end. There are four steps to the process:Quit TodayNo, don't tell your boss to shove it...at least not out loud. But in your head accept that from this day on you're a free agent whose number one workplace priority is your personal bottom line.Pay CashYou should be as conscious of spending as you are of saving. Credit should be a rarely used tool for those few times (buying homes and cars) when paying cash is impossible.Don't RetireYour work life should be a journey up and down hills, rather than a climb up a sheer cliff that ends with a jump into the abyss.Die BrokeIt sounds terrifying, the one intolerable outcome to your financial life. And yet, in truth, dying broke might be your best option for a life without fear: fear of failure and privation now, fear of impoverishment in the long run.

    Authors Joanie Demer and Heather Wheeler share their expertise along with hundreds of tried and true coupon tips in a fun, user-friendly format that will have you high-fiving the grocery store cashier in no time.

    

    Forget complicated, abstract philosophy—people need sound financial advice that's easy to follow and can be implemented immediately. For the first time, a leading financial adviser has developed a remarkable set of guidelines to give individuals the same kind of objective insight into their personal finances that successful businesses have. Your Money Ratios will help readers effectively manage debt, invest prudently, and develop a realistic and effective savings plan to ensure both financial success and security. Readers need only plug their income and age into Farrell's ratios in order to get an instant picture of their savings status and overall financial health, as well as a roadmap for the important choices they must make in the future. Here’s what you will find in this book:IF YOU ARE IN YOUR 20s OR 30s: Your Money Ratios will tell you how to get started and what you need to do over the next 35 years to stay on track. If you are lucky enough to read this book when you are young, you will have a clear vision for where you need to go throughout your working career. By setting yourself on the right path, you won’t have to work so hard later in life to meet your goals.IF YOU ARE IN YOUR 40s: You can benchmark your own financial circumstances against the ratios and see how you are doing with respect to your savings, debt, investments and insurance. You have plenty of time to make adjustments if necessary and plot out your path to retirement.IF YOU ARE IN YOUR 50s: The formula will provide you with a realistic assessment of your ability to retire. It will help you make the important decisions about how to allocate your financial resources over the next 10 to 15 years, and how to put on the final push for retirement.

    To figure out why this is happening and how to put an end to it, child psychologist Dr. Charlotte Peterson has been spending six months every five years living in indigenous villages and observing their parenting practices. What she's found is that the people of peaceful cultures, particularly the Tibetan, Bhutanese, and Balinese people, know something we Westerners, despite our modernity, don't, and their children are happier, healthier, and more balanced because of it.What Dr. Peterson has found is that the children in these cultures are raised with a high degree of cherishing and empathy. Attachments are promoted by intensive nurturing of infants and gentle, clear limit-setting with toddlers that teaches self-control and builds self-esteem. The result, as Dr. Peterson has found after visiting these places again and again, is children who are trusting, enjoyable, and kind, —not “spoiled,” as we might imagine.The Mindful Parent brings together Dr. Peterson's village interviews, observations, research, and over thirty-five years of work as a psychologist to teach modern parents how to raise healthier, more well-balanced, and kinder children. It includes creative ideas from parents who are currently adopting these practices and balancing other aspects of their personal, career, and financial responsibilities to assure their children get the support they need to thrive.

    Free of all the usual filler and hype, The Simple Six is a real program, for real people, offering real results. The unique programming method found only in The Simple Six is based on the idea that repeating a small amount of work consistently can lead to great changes in the way you look, the way you feel, and the way you think about fitness and exercise.  If you're looking for a simple, straightforward way to build a strong, balanced, and capable physique, then The Simple Six is for you. The Simple Six truly is the easy way to get in shape and stay in shape for the rest of your life!

    Many students are bored and disengaged Teachers are handcuffed by outdated textbooks, standardized curriculum, and disinterested students. What if you could solve these problems immediately and excite even your most reluctant learners daily? Read it Today and Engage tomorrow! 33-year veteran teacher, author, presenter, and engagement guru James Alan Sturtevant makes it easy, with incredible teacher tips and tools for both the veteran and student teacher--50 engagement tools that you can begin using right now, with no special training or boring professional development. Easily rebrand your class and connect with all students Are you the teacher students "hate"? Do kids groan when they walk into your classroom? Engaging learners is all about connecting and making education fun. With Sturtevant's education tips and creative teaching tools, students will rebrand you and your class as their favorites. Best of all, they'll engage with every lesson you teach, every single day! 50 Tips and Tools Unlike other education books that weigh you down with archaic research and impossible-to-implement strategies, Hacking Engagement, the 7th book in the popular Hack Learning Series, provides 50 unique, exciting, and actionable tips and tools that you can apply right now. And there's something here for every teacher--no matter what grade or subject you teach. Try one of these amazing engagement strategies tomorrow: Engage the Enraged Create Celebrity Couple Nicknames Hash out a Hashtag Empower Students to Help You Uncover Your Biases Avoid the Great War on Yoga Pants Let Your Freak Flag Fly Become a Proponent of the Exponent Trade Blah, Blah, Blah for Zen Transform Your Class into a Focus Group Commit to Engagement Try at least one tip or tool now and witness an amazing transformation in your classroom and school. Are you ready to engage? Scroll up and grab your copy of Hacking Engagement now.

    He is just starting to learn Spanish from the very beginning. Reading about his daily life in the capital of Spain, you will learn about Spanish culture and improve your language skills along the way. This story is the first part in a series of Spanish Easy Readers called SPANISH FOR BEGINNERS, whose aim is to help you learn Spanish from scratch and reach an intermediate level. Therefore, the difficulty of the text and the language used in this short story have been adapted to help students revise and consolidate their grammar and vocabulary in Spanish at level A1 on the Common European Framework of Reference. Repetition, repetition, repetition… Repetition is key in this book: you will read the same words, the same expressions and the same grammar structures again and again. When learning new words and new expressions in a foreign language, repetition is essential. You need to read (and hear) the same words again and again, in different contexts, in order to understand its meaning and to be able to remember them later on. That is the reason we say this book is carefully designed to help you revise and consolidate fundamental vocabulary and basic grammar structures studied in any Spanish beginner course: you will read the same words, the same expressions and the same grammar structures again and again, in different contexts, in order to help you understand its meaning and be able to remember them later on. Vocabulary and comprehension questions. Each chapter comes with a list of the main vocabulary used in the text and reading comprehension questions to help you understand the story and learn the vocabulary and grammar involved.

    During the summer of his senior year at college, while earning a B.A. in Economics and Political Science, David P. Spears spent eighty hours undercover as a panhandler. Systematically recording every transaction at the exit ramp, Spears captured a rarely seen picture of how modern urban charity works.This book is the record of his adventures, part economic research, part investigative journalism. Both the numbers and the stories behind the numbers provide answers to the questions we’ve all been wondering: Who gives more to panhandlers—men or women? What percentage of drivers roll down their windows to donate? And most important of all, how much can a panhandler earn per hour?Get out your bi-weekly pay stub—by the end of this book you’ll know if you make more or less than the guy with the cardboard sign.

    and Mrs. Smith had kids and wrote a parenting book, this is what you'd get: a practical guide for how to utilize key spy tactics to teach kids important life skills--from self-defense to effective communication to conflict resolution. --Working MotherChristina was a single, successful CIA analyst with a burgeoning career in espionage when she met fellow spy, Ryan, a hotshot field operative who turned her world upside down. They fell in love, married, and soon they were raising three children from his first marriage, and later, two more of their own.Christina knew right away that there was something special about the way Ryan was parenting his kids, although she had to admit their obsession with surviving end-of-world scenarios and their ability to do everything from archery to motorcycle riding initially gave her pause. More than that, Ryan's kids were much more security savvy than most adults she knew. She soon realized he was using his CIA training and field experience in his day-to-day child-rearing. And why shouldn't he? The CIA trains its employees to be equipped to deal with just about anything. Shouldn't parents strive to do the same for their kids?As Christina grew into her new role as a stepmom and later gave birth to their two children, she got on board with Ryan's unique parenting style--and even helped shape it using her own experiences at the CIA. Told through honest and relatable parenting anecdotes, Christina shares their distinctive approach to raising confident, security-conscious, resilient children, giving practical takeaways rooted in CIA tradecraft along the way. License to Parent aims to provide parents with the tools necessary to raise savvier, well-rounded kids who have the skills necessary to navigate through life.

    In a no-nonsense and straightforward style, this book teaches readers:Exactly how investing works and what you should be doing, no fancy finance degree required How to leverage investing to build long term wealth even on a modest salary The key pitfalls to avoid in order to become a successful investor How to build a nest egg and invest in your future Insights from real-world success stories from other clever girl investors Clever Girl Finance teaches readers the irreplaceable value of investing for long-term financial gain, and the difference between making money and building wealth.Written for any woman who's ever sought out an accessible introduction to the world of investing, this book is especially suited to women interested in learning how investing works and taking guided action towards their financial success.

      Alternating between site visits and brief historical narratives, this guide tells the story of Washington, DC, from its origins to current times. From George Washington’s Mount Vernon to the Kennedy Center, trek through each era of the federal district, on a tour of America’s most beloved sites. Go inside the White House, the only executive home in the world regularly open to the public. Travel to President Lincoln’s Cottage and see where he wrote the Emancipation Proclamation. And visit lesser-known sites, such as the grave of Pierre L’Enfant, the city’s Botanical Gardens, the Old Post Office, and a host of historical homes throughout the capital. This is the only guide you’ll need to curate an unforgettable expedition to our shining city on a hill.