Children are hyper-aware of money, and they have scores of questions about its nuances. But when parents shy away from the topic, they lose a tremendous opportunity—not just to model the basic financial behaviors that are increasingly important for young adults but also to imprint lessons about what the family truly values.Written in a warm, accessible voice, grounded in real-world experience and stories from families with a range of incomes, The Opposite of Spoiled is both a practical guidebook and a values-based philosophy. The foundation of the book is a detailed blueprint for the best ways to handle the basics: the tooth fairy, allowance, chores, charity, saving, birthdays, holidays, cell phones, checking accounts, clothing, cars, part-time jobs, and college tuition. It identifies a set of traits and virtues that embody the opposite of spoiled, and shares how to embrace the topic of money to help parents raise kids who are more generous and less materialistic.But The Opposite of Spoiled is also a promise to our kids that we will make them better with money than we are. It is for all of the parents who know that honest conversations about money with their curious children can help them become more patient and prudent, but who don’t know how and when to start.

    A strategy simple enough for anyone to understand and one that runs on "autopilot" once it's set up.

    Whether you’re in need of an overspending detox, buried under student debt, or just trying to figure out how to live on an entry-level salary, The Financial Diet gives you tools to make a budget, understand investments, and deal with your credit. Chelsea Fagan has tapped a range of experts to help you make the best choices for you, but she also knows that being smarter with money isn’t just about what you put in the bank. It’s about everything—from the clothes you put in your closet, to your financial relationship habits, to the food you put in your kitchen (instead of ordering in again). So The Financial Diet gives you the tools to negotiate a raise and the perfect cocktail recipe to celebrate your new salary.The Financial Diet will teach you: • how to get good with money in a year. • the ingredients everyone needs to have a budget-friendly kitchen. • how to talk about awkward money stuff with your friends. • the best way to make (and stick to!) a budget. • how to take care of your house like a grown-up. • what the hell it means to invest (and how you can do it).

    It is more about learning who we are really called to be. According to the author, failing to make that fundamental discovery is why so many people find themselves in jobs they hate. But now, thousands upon thousands are finding the work they love thanks to practical advice from leading career counselor Miller. Conversational and creative, Miller helps readers see clear patterns form from which we can make successful career and job decisions by understanding our God-given skills and abilities, personality traits, values, dreams, and passions. 48 Days to the Work You Love provides a step-by-step process for creating a Life Plan and translating that plan into meaningful and fulfilling daily work.

    This book brings together 188 of her best answers–all crystal-clear, accurate, quick, and a pleasure to read. Seethaler knows exactly how to cut through jargon, confusion, and myths. She’s passionate about sharing what scientists have learned–and what they still don’t know. In this book, she explores everything from the inside of your freezer to the deepest reaches of the universe, ancient myths to cutting-edge theories. Prepare to be even more surprised, intrigued, and amazed!

    Explains how independent investors can construct a superior investment portfolio by learning the four essentials of investing.

    Than Most Will Do All Day Learn powerful and effective strategies to wake up refreshed, start the day with success, and create life on YOUR terms.Do you want to learn how to sleep better, wake up productive, and create a marvelous morning routine without all the hassle? Morning Magic is your cure to the morning blues. If you are tired of snoozing, being unproductive, and starting the day off on the wrong foot, then this book is your answer. This is a step-by-step guide to creating Morning Magic! What are the 4 Pillars of a Magical Morning? Waking up and beginning the day is not just about getting up when your alarm goes off. If you want to ensure your success, you must understand all the factors that go into waking up peacefully and having the energy to perform at a peak level. Morning Magic reveals the four pillars to a successful morning: Pillar #1: Bedtime Rituals Pillar #2: High-Quality Sleep Pillar #3: Waking Up Productive Pillar #4: Creating Morning Magic ...but I'm just not a "morning person" No one is born successful. Every successful person is self-made and determined. So are morning people. They just understand and do certain things, certain ways, that produce certain results. Learn all the key elements of a successful morning routine and how to create your own that will set you up for success each and every day! Do you constantly wake up and hit snooze? Learn how to implement the "no snooze policy" and wake up feeling refreshed. Not only will you learn how to improve your sleep, you will also learn how to wake up feeling enthusiastic and excited like a kid on Christmas morning. By creating a meaningful and powerful morning routine, you will look forward to waking up and beginning each day on your own terms.Morning Magic provides powerful secrets that most people were never taught: 14 bedtime rituals to wind down for sleep 7 simple and effective sleep hacks for optimal rest Top 10 things to avoid before bed 12 Productive wake up strategies Sample morning routines 50+ morning activity ideas Create Your Very Own Morning Magic Do you want to get more done before 8 a.m. than most people will do all day? It is possible with the Morning Magic plan. You will learn powerful and effective strategies that are easy to implement. Learn how to create your own plan that ensures you start the day in a magical way.Don't let morning just happen, be the creator of your day. How you start each day can dictate the mood for the rest of the day. Instead of letting things happen to you, decide to take control and call the shots yourself. You have to power to shape and sculpt your life in the image that you desire.Here are a few of the areas you can improve with a powerful morning routine: Health and diet Planning your day Fitness and exercise Money and finances Family and love Relationships Hobbies and recreation Personal improvement Learning and education Job and career Spirituality and prayer FREE BONUS: Download the Morning Magic Starter Kit As an added bonus to help you with your s

    The more you sell, the less inclined the client is to listen. The more you sell, the more you tend to look (and act) like a hammer looking for a nail – where any nail will do. In reality, the more you sell, the less you win.This is entirely counter-intuitive to the average sales person, mostly because we are taught from the first day of sales training that the key to success is great sales techniques. You can find thousands of books on the art and science of selling – techniques, tricks, even scripts to “sell” the prospect. Our corporate sales training classes always insisted that sales is about understanding the prospect’s needs and then articulating your solution so that the prospect was compelled to choose your obviously-superior solution – right? Not so fast! The problem: most prospects don’t want to be sold. This book on UnSelling is designed to shift the buyer-seller relationship from subservient (they say, “Jump,” we say, “How high?”) to collaborative and does so by having the seller resist the temptation to “sell” (or tell). UnSelling is focused on the more consultative approach of understanding the problem the client is intent on solving. The better we understand the client’s problem, the less we have to sell (if at all). This eBook will outline an approach to control and win the most complex deals that includes:• Qualifying new clients that requires no “selling” – period!• Understanding how to create a collaborative relationship with the prospect so that your sales teams can understand the truth from the client – not what they want you to believe• Contrasting the difference between traditional selling and this unique approach to UnSelling• And understanding what to say and how to say itYour sales people and leaders will never “sell” the same way again – and will win more as a result.

    Julie Ann Cairns takes you through the “7 Money Myths”—an extremely common set of subconscious barriers put up between you and your attainment of abundant wealth and freedom—and helps you banish them, so that your subconscious “code” can come into alignment with your conscious goals for financial freedom. If your underlying programming does not support your goals—and it probably doesn’t—then Julie will show you how to get out of your own way and finally access the life you have always wanted.You can be successful, you can be wealthy, and you can make money without expending physical effort or sacrificing too much of your precious time. You can become financially free with the luxury of choice. It’s all possible for you, but conscious goals and knowledge are not enough to make this happen—you also need a set of supporting subconscious beliefs in order to ultimately prosper. If you have tried and tried to attain financial freedom but are still struggling, then this book will provide the breakthrough you’ve been waiting for.

    The problem is, businesses are run by humans, and humans aren't always logical. Serial entrepreneur Mike Michalowicz has developed a behavioral approach to accounting to flip the formula: Sales - Profit = Expenses. Just as the most effective weight loss strategy is to limit portions by using smaller plates, Michalowicz shows that by taking profit first and apportioning only what remains for expenses, entrepreneurs will transform their businesses from cash-eating monsters to profitable cash cows. Using Michalowicz's Profit First system, readers will learn that:- Following 4 simple principles can simplify accounting and make it easier to manage a profitable business by looking at bank account balances.- A small, profitable business can be worth much more than a large business surviving on its top line.- Businesses that attain early and sustained profitability have a better shot at achieving long-term growth.With dozens of case studies, practical, step-by-step advice, and his signature sense of humor, Michalowicz has the game-changing roadmap for any entrepreneur to make money they always dreamed of.

    He shares his investing philosophy and offers advice on all aspects of financial planning, including engaging an adviser; building a property portfolio; investing in shares, bonds or managed funds; growing your superannuation; and ethical investment.It’s Your Money is an indispensable guide for anyone who wants to do more with their money. Alan shows how, with a few careful steps and some practical wisdom, anyone can invest sensibly and successfully. He gives you the tools to be confidently in charge of your money and your future, your way.It’s Your Money is an indispensable guide for anyone who wants to do more with their money

    As it developed, the author realized that personal money management skills were rarely taught in high schools, colleges and even in MBA programs. Unfortunately, books on the subject tend to be complicated, lengthy reads. The book includes eight important lessons focusing on 99 principles that will quickly and memorably enhance any individual's money management acumen. Unlike many of the personal money management books out there, this book is a quick, easily digested read that focuses more on the qualitative side than the quantitative side of personal money management. The principles are not from a text book. Rather, they are practical principles learned by the author as he navigated through his financial life. Many are unorthodox in order to be memorable and provoke deeper thought by the reader. Not only an excellent graduation gift for high school and college students but also a great read for any adult!

    It has swiftly developed into a discussion on living life cheaply, healthily, ethically and thriftily, with all generations together searching for a path to Old-Style bliss.Edited by Martin Lewis who, as well as being the founder of MoneySavingExpert.com, is a newspaper columnist, TV and radio money guru and presenter, and author of the bestselling The Money Diet, this lively book cannot fail to appeal to anyone who is interested in living better for less.The book includes hints and tips on:- How to budget- Cooking from scratch- Cleaning for pennies- Gardening- Making homemade gifts- How to shop

    But many managers can't read a balance sheet, wouldn't recognize a liquidity ratio, and don't know how to calculate return on investment. Worse, they don't have any idea where the numbers come from or how reliable they really are. In Financial Intelligence, Karen Berman and Joe Knight teach the basics of finance--but with a twist. Financial reporting, they argue, is as much art as science. Because nobody can quantify everything, accountants always rely on estimates, assumptions, and judgment calls. Savvy managers need to know how those sources of possible bias can affect the financials and that sometimes the numbers can be challenged. While providing the foundation for a deep understanding of the financial side of business, the book also arms managers with practical strategies for improving their companies' performance--strategies, such as "managing the balance sheet," that are well understood by financial professionals but rarely shared with their nonfinancial colleagues. Accessible, jargon-free, and filled with entertaining stories of real companies, Financial Intelligence gives nonfinancial managers the financial knowledge and confidence for their everyday work. Karen Berman and Joe Knight are the owners of the Los Angeles-based Business Literacy Institute and have trained tens of thousands of managers at many leading organizations. Co-author John Case has written several popular books on management.