The first is that it helps to keep people from getting deep into debt. Many consumers make the mistake of living well beyond their means. When a person takes on a large debt burden, they are not financially independent. This can hurt one's chances of maintaining a good credit score. Minimalism helps to ensure that people have the essentials that they need and that no matter what happens, people will be provided for.

    With the techniques revealed in this classic book, you can learn how to make your game work from tee to green, step-by-step and stroke by stroke. In each chapter, a different experience-tested fundamental is explained and demonstrated with clear illustrations—as though Hogan were giving you a personal lesson with the same skill and precision that made him a legend. Whether you’re a novice player or an experienced pro, Ben Hogan’s Five Lessons is a must-have reference for anyone who knows that fundamentals are where champions begin.

    D.E. Boyer takes us on a fascinating journey from the depths of despair to an amazing quantum world where anything is possible. First, we will learn how to defend ourselves against the chaos in our minds, then we will learn how to rekindle the magic in our hearts. Along the way, the wisdom of Socrates and the myth of Narcissus will transform the way we think and feel. Boyer then shows us how the military teaches their Navy Seal recruits how to handle their thoughts and feelings when someone is trying to kill them, so we can better handle our bosses, spouses, and children when it feels like they are trying to kill us. We will also get a glimpse of death through the eyes of someone who sees people die every day, giving us a much greater appreciation for life. With extremely amusing stories from her own life that touch on her dysfunctional upbringing and traumatizing career as an intensive care nurse, Boyer teaches us how to control our anxiety, boost our fragile self-esteem, and get into a state of flow so that we can spend most of our time loving life, rather than dreading it. She also gives us crucial health and nutrition tips so that we can live longer with our newfound peace and joy, and she shows us how to be more successful at life by being a better friend, spouse, and parent. With every step we take on this path, we'll find ourselves flirting with the hidden power of the mind, a power that often lies just beyond most people's reach. Only by mastering the basics of thinking and feeling can we gain access to this power. Once the door is unlocked, we will enter another dimension, a quantum world where time is irrelevant and the magic of our mind is waiting to be found.

    You would find yourself closely connected to these stories. They will encourage you to explore your own potential to inspire you, and to achieve your real worth. This book will also help you to understand the traits that keep you from achieving your dreams. The book lays down a process to help you emerge from the clutches of negativity and develop a positive approach towards life.By investing time in yourself, acknowledging your potential, setting a worthy goal, avoiding common traps, surviving bad days and harvesting the power of thoughts, you can be successful.Read this interesting book to Know Your Worth.-------------------------------------------------N.K. Sondhi:N.K. Sondhi’s first book was 'Management of Banking', which draws upon his experiences as a manager in the Punjab National Bank. He then turned to fiction writing, bringing forth the seen and unseen aftermaths of the partition of India in 1947 in his novel 'Cart full of Husk'. He followed it up with a short non-fiction, 'Forgotten City of Delhi (How Delhi became Delhi)'. He wrote his next book, 'A Match Made in Heaven: A 2000-year-old love story', based on the life of an Indian princess, who became first queen of Korea in 48 AD.Working with young people as he pursued social activities after his retirement, he sensed the restlessness among youngsters, who are facing a large number of problems due to stiff neck to neck competition in every field of life. Growing use of advanced technology has further alienated them from the main stream of the society. This has led him to initiate this book 'Know Your Worth' with the young and enterprising writer Ms. Vibha Malhotra.-------------------------------------------------Vibha Malhotra:Vibha Malhotra is the founder of 'Literature Studio' and editor-in-chief of the literary e-journal 'Literature Studio Review'. In the past, she has worked as an editor with Dorling Kindersley (Penguin Random House) where she has edited beautiful coffee table books on subjects such as history, nature, fitness, lifestyle, and travel.She is also a poet and a translator. Her work has been published in literary journals across the world such as Wasafiri, Muse India, Tipton Poetry Journal, The Luxembourg Review, Red Fez, and in dailies such as The Times of India and Ceylon Today. 'Know Your Worth' is her first work as an author.Vibha holds a Master of Arts in Creative Writing from Newcastle University, UK. She teaches creative writing to all age groups. By Profession, Vibha is a Lead Software Engineer at Adobe Systems.-------------------------------------------------CONTENTS1. Acknowledge Your Superpowers2. Invest in Yourself3. Take Charge4. Set a Worthy Goal5. Identify Your Worst Enemy6. Turn Your Fear into an Opportunity7. Avoid the Common Traps8. Harvest the Power of Thoughts9. Watch Your Attitude10. Keep Your Communication Clear11. Be Mindful12. Surviving Bad Days13. Nurture Your Ecosystem14. Stay SuccessfulINVEST IN YOURSELF Now that you know that you have superpowers that are there within you and can be harvested whenever you need them, it is important to take time to really explore all your strengths and weaknesses. Only then can you be fully prepared to achieve your goals. But we are mostly clueless that understanding ourselves doesn’t have to be a slow, tedious process, it can always be sped up.All of us are born with inherent likes and dislikes. Even a fetus in the womb has its own taste preferences, resulting in the seemingly irrational food cravings that expecting mothers experience. These preferences, likes, and dislikes are clues to the things you will be good at. If a child enjoys painting more than singing, chances are that the child will be better at painting than he/she is at singing. You can think of these as clues that nature chose to expose to us so that we can carve a satisfying path for ourselves.Most of us, even as adults, have whims, and mostly we choose to ignore them. Even as children, we are rarely able to indulge in every whim. There are always limitations – in terms of time, finances, facilities etc. – to keep us from fully exploring what we are capable of. But these are not the only factors that stop us. The biggest factor, in fact, is our own inhibitions, especially once we are grown-ups. We are afraid of new experiences, afraid of disappointment, afraid of failure, afraid of making fools of ourselves. And this fear keeps us from taking advantage of opportunities to gather new experiences. Let us try to understand this with the example of a young girl called Shikha. Shikha and the Ideation CompetitionShikha was an editor at a publishing house. She was very good at her job and apart from being an excellent editor, she also often proposed new book ideas to the publishing house.The publishing house announced a competition in which teams would work together and come up with new book ideas that they would then present to a jury comprising of senior publishers from all over the world. The selected idea would then be converted into a book that would be sold all over the world.Shikha had never ever participated in a competition, let alone won it. She wasn’t at all confident of her abilities to work in a team. And the fact that the competition was about new book ideas was making her restless. By proposing new book ideas in the past, she had earned a reputation in that area. Her colleagues and even her boss thought of her as a creative thinker. Shikha was worried that if she participated in this competition and lost it, her reputation as a creative thinker would be tarnished too. Can you guess why she was so full of doubts? It was because she had always attributed her past achievements to good luck, and had never given herself any credit for the book ideas she had come up with. Thus, she was afraid of being exposed as someone who really did not possess any great talent.She was still in this state of dilemma when she discovered that her manager had already nominated Shikha’s name for the competition. Now she had no choice, so she decided to go with the flow. With each passing day, her desperation to win the contest increased, and by the time the date of the competition arrived, she found herself unable to sleep. She knew that she would do anything to win this competition. For the first time in her life she was this passionate about something. She wanted to give it her all.On the day of the competition, she was put in a team and the team started with discussing the various ideas that all members had. Shikha had a great idea, but when she saw more merit in the idea proposed by another team member, she voted for it to be taken up for further preparation and the final presentation. She was almost feverish with excitement. And when her team members were of the opinion that they should give their best and not really care if they win or lose, Shikha was single-minded about her goal of winning the competition. Her focus proved to be contagious and soon all her team-members too were bubbling with enthusiasm. Guided by their single goal, the group of strangers really became a team and the initial idea evolved to become something they all believed in. Though the team leader was someone else, everyone could see that Shikha was the driving force for the team. When it was time to present their idea, the team leader proposed that Shikha should do it. And the presentation left the judges mesmerized. When their team emerged the winner, no one was surprised. Their idea and their presentation of it were deemed to be the best.Once she was out of the competition frenzy, Shikha herself was surprised. She couldn’t understand what had come over her during the competition. But she was glad to discover this other Shikha. She had gone into the competition based on her creative thinking, but her team had emerged a winner because of her team spirit and leadership skills. Shikha was surprised to discover these two new skills in herself. She had never thought herself capable of what she had achieved. Most of us are like Shikha – capable, but afraid of failure and public ridicule. And this is why we do not take chances in life. We like to play safe. But one can never really truly understand oneself by remaining in a shell. Unless you experience new things, you can never experience a new you. Unless you take risks, you can never transcend your normal, day-to-day existence.But, what gives us the capacity to take risks? Our confidence on our strengths and abilities. And from where do we get this confidence? Unfortunately, it isn’t a commodity and you cannot buy it from a shop. Money can’t buy you confidence. You need to work hard to develop it. You need to test yourself, which is again done by putting yourself in situations that you feel are beyond your reach. So, this is once again a chicken-and-egg situation. But after you have been through some such cycles and are confident of the situations you can handle, you are in a better position to fix your goals.However, it is easier said than done. Unfortunately, life is not a fairy tale and this means that we will not succeed every time we take up a challenge. There will also be times when we fail. This is inevitable. We will invariably have to face problems, and this may shake our confidence. Dealing with failures is not easy. It is like a double-edged sword. If you take failures too seriously, they may end up crushing you. On the other hand, if you take them too lightly, you will not learn any lessons from them, which means that the risk that you took would go to waste. So, you need to recognize failures for what they are – failures. Nothing more, nothing less. If you fail in a challenge, it does not mean that you yourself are a failure. This is the most common mistake we commit. Failing a challenge means that you failed that challenge. You need to analyze the situation, see what you could have done better, and move on to the next challenge where you can test your learnings.This act of never giving up, will give you confidence and this confidence helps us realize our capabilities. And this, in turn, shows in our personality. We hold our head high. We walk with determination. We talk with conviction, and we are normally in a good mood. Confidence also gives us perseverance – the ability to keep going after a failure. If you haven’t invested in yourself, you are more likely to give up after a failure or two.Confidence helps us stay on our path and not go astray. Many hurdles and problems may block our way and discourage us, but if we have confidence, we will not let these hurdles stop us. Instead we will search for an alternate path to our goal. The Little Bird and the BranchOnce a little bird landed on a branch high up a tall tree. The jungle below was full of dangerous predators but at this height, they posed no danger to the little bird. Feeling safe and protected, the little bird rested, enjoying the beautiful view around, and feeling completely at peace. Just as the bird became used to the branch, a strong wind started blowing, shaking the entire tree. The tree swayed with such intensity that it appeared the branch would break and fall down.To other animals, this could be a matter of great worry, but the little bird was not worried. Do you know why? Because the little bird knew its own powers and strengths. Even if the branch was to fall down, the bird knew that it had wings and the ability to fly. And the bird was also aware that if this branch was to fall, there are many other branches that could be used instead. Therefore, the bird, though tiny in size, sat on the branch, braving the high wind. The animals below, all of them much stronger than the bird, were filled with much admiration for this courageous little creature who was braving difficult circumstances. The story of this small bird tells us a lot about our own self-confidence and courage. If one road is blocked there are others we can follow. And if there are no new roads, there’s always the earth on which we can make a new road.

    An invaluable resource to women who travel for leisure, for business, or for both, the book highlights the most versatile pieces and packing strategies for carry-on travel around the globe using only ten pieces of clothing. The book is the culmination of the author’s experience traveling the world since quitting her corporate job in 2008. Traveling 365 days a year, carry-on only, Alexandra has gained vast knowledge and experience to impart to women travelers who want to choose the best travel clothing while packing light. Combining a fashion-focused approach with the practical experience of world travel, Alexandra's unique vision and insight is unparalleled in the travel world. She shows women how they can create a capsule wardrobe for travel and never check a bag again. Featuring universal packing lists, tips to choose the most versatile travel wardrobe pieces, practical packing advice, and much more, "Capsule Wardrobe Essentials" gives women travelers everything they need to know to pack smarter and more fashion-consciously for every trip they take.

    A veterinarian, a trainer, and a breeder team up to cover all the questions new owners tend to have, and many they don't think to ask, including:* What to ask the breeder before bringing your puppy home* Which vaccinations your puppy needs and when to get them* How to make potty training as smooth (and quick) as possible* What to do when your puppy cries at night* Why and how to crate train your puppy* When socialization should happen and how to make sure it does* When your puppy is ready to learn basic commands--like Sit, Stay, and Come--and the best way to teach them* When and how to go about leash training* How much exercise your puppy needs to stay physically and mentally healthy* What, how much, and when to feed your puppy to give him the nutrition he needs without the extra weight he doesn't* When your puppy is ready for obedience training and how to make sure it works* How and how often to bathe your puppy, brush his coat, clip his nails, and brush his teeth* How to know when a trip to the vet is needed* What causes problem behaviors, when to expect them, and how to correct them

    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!

    When people think of cleaning they often imagine long days of labor, sweat, and sometimes tears. The problem is that most people will wait until their living situation is so messy it become unbearable. We find that most people will hide their junk, garbage, and clutter in their closets, dressers, and drawers. They will only take action once these areas are full and they have no where else to put their clutter. This can lead to long weekends of deep cleaning and organizing. This problem is only further compounding if you are trying to keep a clean house and you have a large family. This book will change the way you view cleaning!.This book will cover:  How to break down the cleaning process into manageable chunks Why most people fail to keep a clean home The step-by-step process to clean your home in 31 days How to keep your home clean after you have completed the course Over 50 tips and tricks you can use to keep your home spotless much, much, more! What if we told you that by just changing your daily cleaning habits you can keep your home clean and organized once and for all. By just spending twenty to thirty minutes each day on one task you can obtain the clean house you always dreamed of. Our lives are shaped by our daily habits and this applies to cleaning as well. This book will break down the usually tough cleaning job into small bite sized chunks. Each day you will be presented with a new cleaning objective, a secondary objective, and step by step instructions on how to accomplish your cleaning goal. After thirty-one days you will have cleaned your entire house! Once you have completed a month you can start over and go right though the list again. This will help you develop strong cleaning habits and it will allow you to avoid those large cleaning jobs. So download now and learn how to clean and keep your home clean in 31 days.

    Wife Abandonment Syndrome is a pattern of behavior on the part of a husband who leaves his wife out-of-the-blue from what she believed was a happy marriage. Following his sudden departure, he replaces the caring he'd typically shown her with anger and aggression. He often moves directly in with a girlfriend, leaving his bewildered wife totally devastated. Written by family therapist Vikki Stark who was herself affected by Wife Abandonment Syndrome, Runaway Husbands helps women understand what motivated their loving husbands to turn into uncaring strangers and provides them with the tools they need to move forward and rebuild their lives in new and unexpected ways.

     Approaching or beginning retirement is a milestone event. For most of our lives retirement feels like it’s on the distant horizon, something to think about tomorrow rather than today. When the day finally does arrive, for many it can feel a little daunting and overwhelming – how should one spend all this new found free time? Olivia Greenwell has the answers, with friendly advice on: How to navigate your way through the questions you may have New opportunities that could present themselves in retirement How to find further information on the exciting opportunities presented As you experience the wonderful peace and contentment of retirement, this book will help you discover what makes you happy, and how to enjoy your life to the fullest. What are you waiting for? Start living the retirement you always dreamt of, by uncovering all the tools you need today!

    He is also the Head Teaching Fellow for the most popular course at Harvard, “Positive Psychology,” which is taken by more than 1,000 students per semester and led by Professor Tal Ben-Shahar.  Shawn received his B.A. in English from Harvard and a Master’s from Harvard Divinity School in Christian and Buddhist Ethics. Part of his interest in positive psychology stems from a troubling fact: studies have shown that many of Harvard’s undergraduates suffer from depression at some point in their college careers. One Day University is a unique educational experience  that brings intellectuals together to learn from top rated professors at Yale, Harvard, Stanford, Columbia and other prestigious universities. Chosen for their excellent teaching abilities as rated by their students, these great thinkers represent a wide variety of academic disciplines and share their knowledge in 60 minute, highly entertaining lectures. Offering the ability to learn the highlights of academic thought in world affairs, politics, history, science, art, and more; One Day University is a way to truly enjoy the thrill of learning without the pressures of tests and the high price tag of college tuition. Once reserved only for students who could attend the lectures in New York and other major cities, One Day University courses are now available to everyone from the comfort of their own homes in Kindle format.

    While you're at it, learn a thing or two about your personal motivation and how to point it in the right direction. And laugh your socks off, too! I thoroughly enjoyed this book!"Gail Vaz-Oxlade, TV Host of Til Debt Do Us Part and Financial Author"The Task Force on Financial Literacy can stop dithering. All it has to do is distribute Dave Chilton's long-awaited The Wealthy Barber Returns."Jonathan Chevreau National Post Columnist and Author of Findependence"Very funny. Very smart. This fast-paced journey through the world of personal finance will help a lot of people. I loved it!" Amanda Lang, CBC Senior Business Correspondent"A simple plan for a better financial future: Read this book. It's down to earth, fun to read and wise to all the mistakes people make in managing money."Rob Carrick, Personal Finance Columnist, The Globe and Mail

    Based on years of research and work with her own clients, Susan Elliott offers a proven plan that will help you to:Examine past relationships for unfinished business and negative patternsIdentify warning signs and red flagsKeep your standards and boundaries high, even when you're head over heelsWork through rejection, rebounding, and other bumps in the roadDecide when to take a relationship to the next level and when to say goodbyeWith practical rules, strategies, and self-assessments—including tips for dating as a parent and dating online—Getting Back Out There will help you transition from your split to a happy, healthy new relationship.

    Learn which types of hens lay the most eggs, have friendly and calm personalities, and fit well in small city back yards. Written by the author of the best-selling Fresh Food From Small Spaces book, a former columnist for Urban Farm magazine. (Updated 2012 Version)Topics Include:• How This Information Can Help You• Rainbow Eggs: White, Blue, Green, Dark Chocolate Brown, and More• Importance of Hatching Eggs and Handling Chicks Early• Each Chicken is an Individual• Best Breeds: 12 types of hens that lay lots of eggs, have friendly and calm temperaments, and fit in city backyards• Bonus: 5 Exotic Poultry Chicken Breeds for backyards: wait ‘till you see these!• Resources Section: Links to additional information on chicken breeds, plus where to obtain your chickensBe Sure to Read This Before You Get ChickensThinking about getting chickens? Not sure what kind is best? If you’re ready to learn which types of hens lay lots of eggs on a regular basis, make good pets, and fit happily in small sized yards, you’ve come to the right place. This e-booklet provides you with information on 12 types of chickens which are best suited for a small back yard flock. Plus Bonus Section: 5 Exotic Breeds for BackyardsAlso included is a bonus chapter covering 5 Exotic Poultry Chicken Breeds which are also suitable for backyards. If you've never seen a bird that looks like a chicken crossed with a turkey, another one with a head resembling a feather duster, a third that looks more like a rabbit than a chicken, a hen that lays dark chocolate brown eggs, and a one pound chicken 6-12 inches tall that people keep as an indoor pet, then prepare to meet some new friends! Amazingly, each of these has a friendly personality and all can make good pets. There’s a lot of free information online about different kinds of chickens. It’s great to have this available, but sorting through it can take a lot of time. When I decided to get chickens, I spent many hours researching different chicken breeds in books and on the Internet. At the time, I had a small yard in the city. The only thing I knew about chickens was that the hens lay the eggs and the roosters make most of the noise!From my research, I learned that there are as many as 175 different kinds of chickens in the world. However, only 12 chicken breeds met my criteria, which were:• Regular and prolific egg layers• Comfortable in an enclosed coop and run area• Preferably, not too loud • Friendly around peopleSave Time and MoneyIt would take you at least two or three hours just to find this information, even before you sort through, read, and analyze it. Instead, I’ve put all the important stuff in this short booklet (which only appears longer because of all the chicken pictures, another essential element for people choosing breeds). I’ve summarized the lengthy raw material from my own research, selected the best breeds for backyards, and presented this information in a format you can use. Don't Get the Wrong Kind of Chickens!Be sure to read this booklet before you get chickens!Don't make the mistake of getting the wrong kind of chickens for your small yard. The wrong kinds can eat lots of food, get fat, and lay few eggs. They can be loud, aggressive, obnoxious, or scared of people. The right kinds will lay eggs almost every day, stay calm and quiet, let you pick them up and pet them, and will not mind being kept in a coop and fenced area!