Wall Street lost more than 49% of the typical investor's money—twice—since the year 2000. And studies show that because they followed the conventional wisdom, almost half of all Boomers won't have enough money to cover even basic living expenses during their retirement years. Now the financial gurus whose advice got you into this mess in the first place are telling you to "take more risk," "work till you drop," and "plan on spending less in retirement." Don't let them fool you again!In The Bank On Yourself Revolution, financial security expert Pamela Yellen details how hundreds of thousands of people of all ages and incomes have bucked the system to secure their families' financial futures without gambling in the Wall Street Casino or taking any unnecessary risks. You'll discover a proven step-by-step plan for growing your wealth safely, predictably, and guaranteed every single year—even when the markets are tumbling. And you'll learn how to bypass banks, credit card and financing companies to become your own source of financing for cars, vacations, a college education, business expenses and other major purchases.The Bank On Yourself Revolution isn't a "get-rich-quick" scheme; it's about having real wealth and financial security for as long as you live. You can finally know how much money you'll have next year, in 10, 20 or 30 years—and at every point along the way. Join the Revolution and take control of your own financial future!

    So why are we still so conflicted, and unsure, of what or how to deal with it? Today show financial editor and bestselling author Jean Chatzky provides the much-needed answers in WOMEN WITH MONEY.Ask successful women what they want from their money and they'll tell you: independence, security, choices, a better world, and--oh yes--way less stress, not just for themselves but for their kids, partners, parents, and friends. Through a series of Happy Hour discussions (when money is the topic, wine helps) and one-on-one conversations, Jean Chatzky gets women to open up about the one topic we still never talk about. Then she flips the script and charts a pathway to this joyful, purpose-filled life that today's women not only want but also, finally, have the resources to afford.Chatzky's candid three-part plan--formed through detailed reporting with the world's top economists, psychiatrists, behaviorists, financial planners, and attorneys, as well as her own two decades of experience in the field--involves helping women understand themselves in relation to money. Readers will wrap their hands around tactical solutions to get paid what they deserve, become inspired to start businesses, invest for tomorrow, make their money last, and then use that money to foster secure relationships, raise independent and confident children, send those kids to college, care for their aging parents, leave a legacy, and--best of all--bring them joy!

    Now they explore the compulsion through a series of compelling case studies in the vein of Oliver Sacks. With vivid portraits that show us the traits by which you can identify a hoarder's piles on sofas and beds that make the furniture useless, houses that can be navigated only by following small paths called goat trails, vast piles of paper that the hoarders "churn" but never discard, even collections of animals and garbage; Frost and Steketee illuminate the pull that possessions exert on all of us. Whether we're savers, collectors, or compulsive cleaners, very few of us are in fact free of the impulses that drive hoarders to the extremes in which they live. For all of us with complicated relationships to our things, Stuff answers the question of what happens when our stuff starts to own us.

    In reality, financial planning can be learned, like anything else. Part financial memoir and part research-based guide to attaining lifelong security, This Is the Year I Put My Financial Life in Order is the book that everyone who has never wanted to read a preachy financial guide has been waiting for.John Schwartz and his wife, Jeanne, are pre-retirement workers of an economic class well above the poverty line, but well below the one percent. Sharing his own alternately harrowing and hilarious stories--from his brush with financial ruin and bankruptcy in his thirties to his short-lived budgeted diet of cafeteria french fries and gravy--John will walk you through his own journey to financial literacy, which he admittedly started a bit late. He covers everything from investments to retirement and insurance to wills (at fifty-eight, he didn't have one!), medical directives and more. Whether you're a college grad wanting to start out on the right foot or you're approaching retirement age and still wondering what a 401(K) is, This Is the Year I Put My Financial Life in Order will help you become your own best financial adviser.

    It provides proven strategies for finding greater savings in every room of your home. With sensible and cost-effective solutions, this book will assist you in:• Saving money• Caring for your home for less• Running an affordable home• Organizing your home• Decorating on a dime• Preparing inexpensive meals• Trimming utility costs• Freeing up resources• And much more!In short, this book will make you a pro at keeping your home comfortable for less.

    So we’ve created a guide that will show you (or a friend or relative who’s just getting started): * How much you need to start investing. * The key steps for building long-term wealth. * Proven ways to find great companies to buy. Understanding these life-changing concepts will get any investor on the path to financial freedom. Built upon our 13 Steps to Investing Foolishly, The Motley Fool Guide to Investing for Beginners includes our top investors’ biggest mistakes, insights into different styles of investing, and much more. Plus, you get 3 great stock picks that we think could make a strong foundation to any portfolio.

    Now, award-winning Tribune Company personal finance columnist Gregory Karp shows how to do just that. This book isn't about depriving yourself: you don't have to become a financial anorexic, and you won't have to start dumpster diving! Instead, Gregory Karp shows how to build real, long-lasting wealth by plugging the money leaks you're barely even aware of, and making sure you spend with a purpose. Drawing on everything he's learned writing his prize-winning weekly column, Karp reveals surprisingly painless, little-known techniques for eliminating wasteful spending in every area of your financial life. Karp shows how to spend on what you really care about, not what you don't... understand the real value of comparison shopping...save money in giving gifts without becoming a cheapskate. Karp shows how to slash your phone bill... spend less on food without changing what you like to eat... eliminate spending leaks in insurance, education, entertainment and beyond. From the clothes you wear to the cars you drive, Living Rich by Spending Smart will help you build a life that's truly rich, because it's truly financially secure.

    Drawing on this research, Rapinchuk’s program delivers an organized, beautiful, toxic-free, environmental-friendly household by providing readers with:• A room-by-room guide to cleaning and removing harmful toxins in one’s home• A Weekend Kick-Start Detox to ease readers into the program• Over 50 simple, organic DIY cleaning product recipes• Easy to digest research on common toxic products in the home, why they are dangerous to our health, and what to replace them with• Tips and tools from a trusted source to create cleaner, safer homes, resulting in healthier familiesCleanliness is about detoxing, embracing organic, all-natural methods and products, and protecting the environment. Moms look to Becky to guide them in the best cleaning practices for their home, and will welcome Clean Mama’s Guide to a Healthy Home, which shows that going natural isn’t just a better way to a cleaner home—it’s vital to the health of our bodies, our families, and our planet.

    Then she unpacks seven essential money habits for living the life we really want—a life in line with our values, where we can afford the things we want to buy without being buried under debt, stress, and worry.The Joneses are broke. Life looks good, but hidden beneath that glossy exterior are credit card bills, student loans, car payments, and an out-of-control mortgage. Their money situation is a mess, and they’re trying to live a life they simply can't afford. So why exactly do we try so hard to keep up with the Joneses?Are we really living the lives we want, or are we chasing someone else’s dream, just trying to keep up appearances on social media, at church, and in our community? Why are we letting other people set the pace for our own family’s finances?In Love Your Life, Not Theirs, Rachel shows you how to buy and do the things that are important to you—the right way. That starts by choosing to quit the comparisons, reframing the way you think about money, and developing new habits like avoiding debt, living on a plan, watching your spending, saving for the future, having healthy conversations about money, and giving.These habits work, and Rachel is living proof. Now, she wants to empower you to live the life you’ve always dreamed of without creating the debt, stress, and worry that are all too often part of the deal. Social media isn’t real life, and trying to keep up with the Joneses will never get you anywhere. It’s time to live—and love—your life, not theirs.

    Drawing on the author’s experiences teaching millions of people around the world to live a rich life, this fast, easy listen reveals how anyone—from millennials to baby boomers—can still make his or her dreams come true.In this compelling, heartwarming parable, Bach and his bestselling coauthor John David Mann (The Go-Giver) tell the story of Zoey, a twenty-something woman living and working in New York City. Like many young professionals, Zoey is struggling to make ends meet under a growing burden of credit card and student loan debt, working crazy hours at her dream job but still not earning enough to provide a comfortable financial cushion. At her boss’s suggestion, she makes friends with Henry, the elderly barista at her favorite Brooklyn coffee shop. Henry soon reveals his “Three Secrets to Financial Freedom,” ideas Zoey dismisses at first but whose true power she ultimately comes to appreciate. Over the course of a single week, Zoey discovers that she already earns enough to secure her financial future and realize her truest dreams—all she has to do is make a few easy shifts in her everyday routine. The Latte Factor demystifies the secrets to achieving financial freedom, inspiring you to realize that it’s never too late to reach for your dreams. By following the simple, proven path that Henry shows Zoey, anyone can make small changes today that will have big impact for a lifetime, proving once again that “David Bach is the financial expert to listen to when you’re intimidated by your finances” (Tony Robbins, #1 New York Times bestselling author of Money: Master the Game).

    He both offers practical guidelines for simplifying our lifestyle at home and addresses underlying issues that contribute to over-accumulation in the first place. The purpose is not just to create a more inviting living space. It's also to turn our life's HQ--our home--into a launching pad for a more fulfilling and productive life in the world.

    Taking the nation by storm, with appearances ranging from The Oprah Winfrey Show Stephanie Nelson has shown countless women and men how to save thousands of dollars by becoming savvy coupon clippers-without sacrificing nutrition or quality. Now, in The Coupon Mom's Guide to Cutting Your Grocery Bills in Half, Nelson demonstrates all of the tricks of the trade-beyond coupons and tailor-made for a variety of shopper lifestyles. Whether you're a "busy" shopper and have only a small amount of time each week to devote to finding the best deal; a "rookie" shopper who is ready to put more effort into cutting bills; or a seasoned "varsity" shopper who is looking for new ways to get the deepest discounts possible, this book offers techniques thatw ill make it easy to save money at any level and on any timetable. Extending her Strategic Shopping protocols to mass merchandisers, wholesale clubs, natural-food stores, drugstores, and other retailers, Nelson proves that value and variety can go hand in hand. With meal- planning tips, recipes, and cost-comparison guides, as well as inspiring real-life stories from the phenomenal Coupon Mom movement, this is a priceless guide to turning the checkout lane into a road of riches.

    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

    Sure, it's even simpler than it was before. Of course, you don't have to worry about fertilizer or poor soil ever again because you'll be growing above the ground. However, the best feature is that anyone, anywhere can enjoy a square foot garden - children, adults with limited mobility, and even complete novices can achieve spectacular results. But, let's get back to the ten improvements. You're going to love them: 1. New Location - Move your garden closer to your house by eliminating single-row gardening. Square foot gardens need just 20% of the space of a traditional garden.2. New Direction - Locate your garden on top of existing soil. Forget about pH soil tests, double-digging (who enjoys that?), or those never-ending soil improvements.3. New Soil - The new "Mel's Mix" is the perfect growing mix. We give you the recipe, and best of all, you can even buy the different types of compost needed.4. New Depth - You only need to prepare a SFG box to a depth of 6 inches! It's true - the majority of plants develop just fine when grown at this depth.5. No Fertilizer - The all new SFG does not need any fertilizer - ever! If you start with the perfect soil mix, then you don't need to add fertilizer.6. New Boxes - The new method uses bottomless boxes placed above ground. We show you how to build your own (with step-by-step photos).7. New Aisles - The ideal gardening aisle width is about three to four feet. That makes it even easier to kneel, work, and harvest.8. New Grids - Prominent and permanent grids added to your SFG box help you visualize your planting squares and properly space them for maximum harvest.9. New Seed-Saving Idea - The old-fashioned way advocates planting many seeds and then thinning the extras (that means pulling them up). The new method means planting a pinch - literally two or three seeds - per planting hole.10. Tabletop Gardens - The new boxes are so much smaller and lighter (only 6 inches of soil, remember?), you can add a plywood bottom to make them portable. Of course, that's not all. We've also included simple, easy-to-follow instructions using lots of photos and illustrations. You're going to love it!

    By age twenty-six, he had established a four-million-dollar real estate portfolio, only to lose it by age thirty. He has since rebuilt his financial life and, through his workshops and his New York Times business bestsellers Financial Peace and More than Enough, he has helped hundreds of thousands of people to understand the forces behind their financial distress and how to set things right-financially, emotionally, and spiritually.In this new edition of Financial Peace, Ramsey has updated his tactics and philosophy to show even more readers:how to get out of debt and stay outthe KISS rule of investing—"Keep It Simple, Stupid"how to use the principle of contentment to guide financial decision makinghow the flow of money can revolutionize relationshipsWith practical and easy to follow methods and personal anecdotes, Financial Peace is the road map to personal control, financial security, a new, vital family dynamic, and lifetime peace.