It feels creative and satisfying and will set you up for a lifetime of good habits, no matter the age you are starting from. My wish for this book is that it encourages you to think about money in a way that makes you feel in control, uplifted and inspired to steer yourself towards a joyous and prosperous future. I want to share my contagious beliefs that dealing with your money can be fun and exciting. I know many women have a fractious relationship with their finances and can often be quite scared of dealing with things. I have felt that way in the past too. I do hope you will join me in this journey because it feels so much better to have a good relationship with your money than not. I love the saying Look after your money, and your money will look after you. It does not have to be scary, and you do not have to worry about becoming greedy if you focus on your finances; all that will happen is that this important area of your life will feel happier, freer and more bountiful. It is a glorious feeling and it is well within your reach. I hope that by the end of this book you will be eager and enthusiastic about your own finances, in fact, I am sure you will. ~~ Fiona Ferris Contents: Introduction How I became interested in personal finance About this book Chapter 1. Start from the beginning What do you believe about money? Make your finances fun and enjoyable Simplify your life Chapter 2. Be savvy and a good steward of your money Living well on a moderate income Add up what your vice is costing you Try out cheaper options ‘The free part’ Cap limits in your life Decide for yourself what you splurge and save on Spend more time at home Make your own meals most of the time Do not be afraid to ask for gifts Slim down your magazine choices Chapter 3. Live like a millionaire now and feel rich every day Do not wait to be rich to feel good Use your good things Surround yourself with beauty Keep only what your future self would have in her beautiful home Visit five-star luxury and soak it in Replace broken items with quality, cherish the rest Feel luxurious in budget-friendly ways Curate your wardrobe Cultivate an expensive-looking personal style Have an elegant personal demeanour ‘Expensive’ décor on a budget Chapter 4. See how you rich are already Know where your finances are at Speak positively about your finances Cultivate a happy and relaxed feeling around money Contentment as a financial tool Think beyond a purchase to its exit Chapter 5. Inspire yourself to a wealthy future Keep your vibration high Share your dreams with your other half Commit to being debt-free Take inspiration from expensive stores Read inspirational money books and find fun ways to educate yourself Think as if you were creating your own personal brand Have role models Chapter 6.

    World-class photographs and text reviewed by leading coral biologists and coral keepers guides the reader through the selection and husbandry of hundreds of species.

    In this book, you'll learn just about everything you need to know to find the right motorhome at the right price and not get burned in the process.You'll learn about the kinds of motorhomes to look for, where to find the best deals and how to get the best prices, and how to avoid 'deal killers'.You'll find checklists to use when inspecting a motorhome, scripts to use when calling a seller, and tips on how to negotiate with sellers to get the price you want, and how to know when it's best to walk away from a deal.You'll also find recommended best buys in used motorhomes, photos of different motorhome types, and tips that can guide you through a fun and money saving motorhome buying experience.Some of things covered in this informative book include:* Understanding the different motorhome classes* Should you buy new or used?* The importance of getting seat time before you buy* Why finding the perfect seller can save you a lot of money* How to know when you're paying too much* How to effectively search for motorhomes online* How to respond to online motorhome ads* Pre purchase checklists* How to properly road test a motorhome* Friendly negotiating techniques that'll get you the best price* Deal Killers you'll want to avoid* Best Buy in Used Motorhomes* Motorhome fuel mileage – why it matters and how to maximize mpg* After the sale – what to do nextYou'll find all this plus a lot more in 'Buying a Used Motorhome - How to get the most for your money and not get burned'.It's a fun and fast paced read that can save you several thousand dollars on your next motorhome purchase!

    Learn the importance of obedience to God's Word in planting seed for finances.

    This book shows you how to claim your share. Over 200 pages of valuable metal detecting information designed to get you out there finding treasure on your very first outing.Finding treasure with a metal detector is real and doing it is simple and easy once you read this book. There are people finding incredible old coins made from gold and silver, valuable historical relics and old jewelry made from gold, silver and platinum. But you won't find these great treasures unless you know where and how to look. Metal Detecting: A Beginner's Guide shows you this and much more.Veteran detectorist and treasure enthusiast Mark Smith continues to provide great information to anyone interested in the great hobby of metal detecting. In his second book on the subject, he manages to answer the common questions that every novice has when they are thinking about getting started. From choosing the right machine to identifying your valuable treasure, Mark Smith covers these subjects and everything in between in an easy to understand way.While this metal detecting book may be geared towards the novice treasure hunter, there are plenty of choice tips that even experienced treasure hunters can pick up. Mark Smith reveals some of his best guarded metal detecting secrets in this metal detecting guide that puts more treasure in your find's pouch.Fully illustrated diagrams and real life pictures describe in detail the easiest ways to not only locate treasure, but safely recover it as well.Learn how to find more treasure by: understanding common metal detecting terminology, understanding which metal detectors work the best and where, understanding how and why a metal detector works, other equipment you will need, proper etiquette, what you can expect to find, why you should never throw anything away, how to identify your finds, how to identify jewelry, how to tell if it is real gold, how to metal detect with children, which recovery tools work the best, how to recover treasure, how to metal detect private property, how to identify unknown metal detecting finds, metal detecting creeks, rivers and lakes, pinpointing, making weak targets stronger, cleaning your finds, the best places to use your metal detector, selling your finds and more!What are you waiting for? Find out how you can maximize your treasure with this informative metal detecting book today.

    Yet, while common, oak woodlands are anything but ordinary. In a book rich in illustration and suffused with wonder, author Kate Marianchild combines extensive research and years of personal experience to explore some of the marvelous plants and animals that the oak woodlands nurture. Acorn woodpeckers unite in marriages of up to ten mates and raise their young cooperatively. Ground squirrels roll in rattlesnake skins to hide their scent from hungry snakes. Manzanita's rust-colored, paper-thin bark peels away in time for the summer solstice, exposing sinuous contours that are cool to the touch even on the hottest day. Conveying up-to-the-minute scientific findings with a storyteller's skill, Marianchild introduces us to a host of remarkable creatures in a world close by, a world that rustles, hums, and sings with the sounds of wild things.

    Colorful sidebars and numerous photographs highlight key information and provide extra training tips that every owner will appreciate.

    As a pragmatic, hands-on guide for beginning to intermediate hobbyists, The Conscientious Marine Aquarist demystifies the process of planning, setting up, stocking, and managing a beautiful, thriving slice of the tropical ocean. A leading advocate for the responsible collection and care of wild-caught specimens, Fenner starts with the basics -- "What is a fish?" -- and proceeds to give the reader the scientific background and expert-level secrets to being a smarter consumer, better steward, and more successful marine aquarium keeper.

    In this newly revised edition, chapters have been rewritten to accommodate the impact of computer technology and the Internet, not only on the acquisition and analysis of data, but also on its organization and presentation. Alternatives to the use of radiation have been expanded, and figures and illustrations have been redrawn to reflect changes in laboratory equipment and procedures.

    This is the one, the only, Old Farmer’s Almanac! Recognized for generations by its familiar yellow cover, the Almanac for 2014 promises to be "useful, with a pleasant degree of humor," fulfilling once again (for the 222nd time) the mission set forth in 1792 by its founder, Robert B. Thomas. In addition to its 80 percent–accurate weather, this year’s signature mix of wit and wisdom, tips and advice, forecasts and fun includes . . . • an astronomy quiz to test your Sky-Q • anglers’ six favorite fish and secrets to hooking them • vegetables and other perennial edibles to grow • the time in our lives: where it goes, ways to make the most of it, and more • the whole truth about whole grains • how to get bitten by a pet (if you’re not careful) • rings around Earth (think Saturn) that might influence our weather • health tips for each zodiac sign • envelope and napkin jottings that changed the world • plus: Moon phases and other celestial sightings, tides, historic trivia, gardening tables, best days, and too much more to mention! Added value this year: • 80 full-color pages • full-color winter and summer weather maps • updated Reference section

    Richard Bedard was a journalist in his mid-40s, living abroad, when he was diagnosed with patellofemoral pain syndrome, or chondromalacia patella. His burning joints made his life so miserable that he fantasized about hacking off his kneecaps. Four doctors failed to help; one said he would never get better. His physical therapist finally gave up too.Unable to sit normally, he quit his job. Unemployed and desperate, he launched a year-long, round-the-clock experiment to save his knees. He read from scores of clinical studies, medical textbooks, health newsletters. What he discovered left him stunned. There was a familiar story about what patellofemoral pain syndrome was and how to treat it: The advice to focus on strengthening the quads. To stretch. To take glucosamine. To forget about cartilage healing, because that never happened.And that story was completely wrong.Armed with this knowledge, he fashioned a plan to get better. Within two years, he fully recovered. This compelling story chronicles a long journey of healing and discovery. It shows that a patient’s true ally isn’t simply hope, but informed hope.

    

    Over 80 per cent of adults in the UK use caffeine every day, but when does this habit become a reliance? Caffeine is a bitter addictive drug which attacks the central nervous system and makes you jittery. Fooling you into thinking you are more alert, caffeine will often disrupt your sleep and actually increase overall fatigue. Quite simply, it's bad for you with no real benefits.In The Easy Way to Quit Caffeine, Allen Carr addresses the difficulties that coffee-drinkers and soda consumers face in trying to quit caffeine. By explaining what caffeine does to your body, and providing simple step-by-step instructions to free you from your addiction, Carr shows you how to lead a happier, healthier and more chilled life.

    Photographer Glen Denny was a key figure in this golden age of climbing, capturing pioneering feats on camera while tackling challenging ascents himself.In entertaining short pieces enlivened by his iconic black-and-white images of Yosemite's big wall legends, Denny reveals a young man's coming of age and provides a vivid look at Yosemite’s early climbing culture. He relates such precarious achievements as hauling water in glass gallon jugs up the east face of Washington Column, nailing the 750-foot Rostrum in a punishing heat wave, and dangling overnight on El Capitan’s Dihedral Wall in a lightning storm. Each true tale captures the spirit of historic Camp 4, where Denny and others plan the next big climb while living on the cheap and dodging park rangers.

    John was a still sleepy island, this updated version provides a respite from busy Cruz Bay. The guide offers an insiders view into the quintessential St. John with its hiking trails, scrambles and gut walks. Singer, a long time island resident, provides a framework for reference with lots of fast facts and an easy to read description of places of interest, flora and fauna, amidst a well laid backdrop of St. John s rich history and island legend. --Virgin Voice, December 2006 January 2007