But life happens and if you’ve got debt, life has happened to you. Whether you have a rolling balance of $2,000 on your credit card or an $80,000 line of credit you are positive you will carry to your grave, debt can be a huge cause of stress—affecting both your emotional and financial wellness.After working with thousands of financial planning clients, Shannon Lee Simmons knows that your only way out of the debt cycle is to truly understand all of your spending triggers so you can shut them down for good. In Living Debt-Free, she shows you that it is possible to have a life and pay down debt at the same time. In fact, that’s the only way your debt plan will work. You will learn to take control of your finances and pay down your debt in a realistic way that will keep you motivated long enough to see it through to the end. No shame. No blame. No scare tactics.In Living Debt-Free, Simmons focuses on creating a debt repayment plan that will motivate you for a long time, rather than an unrealistic one that’s strictly about paying the least amount of interest charges. (Collective gasp—how dare she!?) Listen, everyone knows that paying interest on debt is bad and to be avoided as much as possible, but human beings are complex. Life is complex. Debt is complex. There cannot be a one-size-fits-all plan, so Living Debt-Free will help you build your plan—the one that will help you finally put the debt behind you, start fresh and feel good about your money again.

    Does it seem like you never get ahead financially? Does debt cause you worry and anxiety? Do you want to gain control of you money and your life? This book will teach you how to: *Change the way you think about money *Release yourself from the slavery of debt *Gain Control of your finances *Buy back your life and freedom *Recognize and resist the constant attempts to separate you from your money *Find a job that fulfills you *Produce income without trading away your time *Achieve your financial goals Nobody should be a slave to their finances. Read this book and transform your life!

    Jesus saw these commandments not as onerous burdens, but as guideposts to help us experience a good and beautiful life. These ten ancient "words" were given to us by a loving God who longed to set safe boundaries, create order out of chaos, help communities live peacefully, and protect us--often from ourselves.In this book of Scripture and inspiration, bestselling author Adam Hamilton brings modern eyes to the most important set of ethics in history. He considers the commandments in their historical context, considering the meaning of each commandment in Hebrew, unpacking how Jesus reinterpreted them, and showing how every thou-shalt-not was intended to point to a life-giving "thou shalt." He also explores how the latest research in science and psychology illuminates these commandments, rightly understood, as a way of ordering one's life beautifully in the present day. In a culture marked by workaholism, materialism, and social media-driven envy, God has given us a time-tested path that leads to gratitude, confidence, and peace.A landmark work from one of our most trusted biblical thinkers, Words of Life is an inspiring, thought-provoking read for anyone seeking to live a meaningful and joyful life.

    No water. Out of ammo. Safety is south. But between there and here is 150 miles of barren desert – freezing at night, boiling in the day – populated solely by Ernst Rommel’s fearsome and deadly Afrika Corps.What would you do? Give up? Or get on with it? For the seven SAS supermen in Damien Lewis’s explosive new audio exclusive, the answer was simple: Escape. Evade. Survive. From the mountains of Italy, to the deserts of Africa, these heroes epitomise the bravery, esprit de corps and daring do of Britain’s finest elite fighting force. Fans of Ant Middleton’s First Man In and Ben MacIntyre’s SAS: Rogue Heroes are in for a treat, as the SAS’s master chronicler, Damien Lewis, has produced a gripping, heart-in-the-mouth, real-life thriller. A Sunday Times number one best-selling author, this fresh look at the most audacious escapes the SAS made in the Second World War is white-knuckle listening of the highest calibre. Because if you put a fence in front of these men...they’ll climb it.

    But with confusing things like GDP and interest rates, it's often hard to get you head around.So What do you really need to know about economics? Find out:What economic growth is and why it matters How inflation happens How jobs are created and lost How the property market works What central banks do and how it affects the rest of us The impact of government spending on the economy What You Need to Know About Economics cuts through the theory to help you to do your job and understand the world around you better.Read More in the What You Need to Know Series and Ger Up to Speed on The Essentials... Fast.

    They include a special reader's letter from Karen explaining how the darkness in these stories became more than she could bear and prompted a dramatic career change to write Life-Changing Fiction.Final Vows: When Carol Montecalvo began writing to a man in prison through a program at her church, she considered it her Christian duty. But these letters soon became her lifeline as she fell in love with Dan, the man behind the letters. In Final Vows, Karen Kingsbury chronicles a couple’s unlikely romance and marriage, and what led to Carol's bloody death on her kitchen floor. It seems her husband has obvious motives for murder. But is this former felon really guilty? Or could he actually be a grieving widower, in the wrong place at the wrong time, showing the wrong type of emotions when faced with his wife's lifeless body?Deadly Pretender: CIA Agent. Business Owner. Lobbyist. Bigamist. David Miller was the envy of both friend and foe, with a dream job and perfect family. He seemed to have it all. But he wanted more. One family wasn't enough: he wanted two. Two careers weren't enough; he invented a third. He juggled it all quite well . . . until the day his two wives found out about each other. David Miller groped for ways to hold on to his finances and reputation. His solution? Murder. But it had to be done right, leaving him off the list of suspects.The Snake and the Spider: Florida. Spring Break. Words that evoke excited anticipation for young adults . . . and extreme angst for their parents. But the parents of best friends Daryl Barber and James Boucher were confident their sons could be trusted to spend a week in the sun without them. As they all waved goodbye, no one imagined it would be the last time they'd see each other alive. When the boys missed their agreed-upon daily check-ins, both sets of parents were disappointed. When the boys failed to come home on their planned return date, both sets of parents were furious. And when it was clear the boys had vanished without a trace, both sets of parents were terrified.Missy’s Murder: On an October day, teenager Missy Avila was lured into the woods, beaten, tortured, and drowned. Missy's best friend, Karen, publicly vows to find the killer and even moves in with Missy's family to help. No one could have guessed what would happen next. Missy's Murder is a shocking tale of how jealousy can drive people to acts of great evil.

    Big Mama raised Michelle and her four brothers and sisters on a salary that never reached more than $13,000 a year. Yet at her death, Big Mama owned her own home, had paid off a car loan, and had a beautiful collection of Sunday-go-to-meeting church hats and a savings account that supplemented her Social Security check and small pension. Most important, she had taught Michelle “7 Money Mantras for a Richer Life.” Those mantras serve as the inspiration for this straight-talking book of practical personal financial advice that really works. The 7 Money Mantras are: 1. If it’ s on your ass, it’s not an asset! 2. Is this a need or is it a want? 3. Sweat the small stuff. 4. Cash is better than credit. 5. Keep it simple. 6. Priorities lead to prosperity. 7. Enough is enough. Michelle Singletary is a syndicated columnist for The Washington Post whose popular personal finance column appears in more than 120 newspapers. She’s also a mother of three children who understands what it’s like to live on a budget. In a plainspoken, sassy, no-nonsense voice, Michelle provides answers to the financial issues that confront almost every household: how to teach children the value of money; how to address money issues in a relationship or marriage; household saving tips; getting the best loans; and much more. “This book is about saving enough money to have choices,” she writes. “It’s about feeling free to be cheap if you can’t afford to buy a ton of gifts at Christmas. It’s about eliminating wasteful spend-ing so you can begin to save and invest. It’s full of uncommon commonsense lessons and guidance on the way people should use their money.” With humor and down-home financial wisdom, Michelle Singletary offers practical and realistic advice that will help you live well with the money you have. Michelle Singletary on . . . Romance and Money “It’s okay to say: ‘Honey, I love you and everything, but if you need money, ask your mama.’” Credit Cards “We are minimizing our financial potential by making minimum credit-card payments.” Car Buying “If you want to save money, keep your car until you’re on a first-name basis with the local tow-truck drivers.” Leasing a Car “You, too, can drive a car you can’t afford and then have to give it back. It’s crazy.” Gift Giving “Generosity isn’t about how much you spend. It’s about how much thought you put into the gift.” Penny Pinching “I once bought a stick-shift car because it was $1,000 cheaper than the automatic in the same model. There was just one little problem. I couldn’t drive a stick-shift. But at least I saved $1,000!”

    He's 55 years old. He is not a soldier. He is being trained by the Royal Marines and he is going to Afghanistan. The only difference is that instead of a gun, Chris will be holding a camera and filming the whole ordeal for a major TV series.The Royal Marines Commando training base in Lympstone Devon, has a famous motto: '99.9% need not apply'. Of those who start training, after a very tough selection process, nearly 50% fail to make it through the most gruelling physical tests of any armed forces in the world in an eight month training regime. The elite who do eventually pass out are generally eighteen years old and at the peak of physical condition. But Chris Terrill is the exception: this book will tell of his heroic struggle to become the oldest man to win the coveted Royal Marines Commando Green Beret and enter the record books.And after six months of hell, what next? Chris will follow the raw recruits on a tour to Southern Afghanistan. He will tell the story in book and film of the fears and hopes of the youngsters as they are plunged into one of the planet's most dangerous wars in the outlaw mountain terrain of Helmand Province. He will tell of ferocious battles against the Taliban, of firefights, of jaw-dropping heroism, British sang froid and humour and tragedy as causalities are suffered -- all from the unique perspective of a civilian who has achieved the ultimate accolade: to be accepted as an honorary Royal Marines Commando. Commando is a brilliant account of modern war on the front line.

    Professor DeGennaro uses simple analogies to explain the origin of stocks and other securities, as well as their relative risks. He stresses the danger of trying to beat the market by trying to pick winners, predict price trends, or otherwise find opportunities that other investors have missed. Far better, he counsels, to own a well-diversified portfolio of individual stocks or stock funds, which tend to grow as the economy grows. He offers detailed guidance on how to pursue this course.Among the topics covered in these 18 lectures are how to open a brokerage account and choose a financial advisor; the essentials of mutual funds, including index funds, and exchange traded funds (ETFs); how to trade individual stocks, including how to use options; the relative advantages of traditional IRAs, Roth IRAs, and 401(k) plans; how to minimize transaction costs and use tax laws for your benefit; the dangers of frequent trading; and the basics of corporate balance sheets, income statements, and cash flow statements.For anyone who owns stocks or is thinking of entering the market, this course provides indispensable advice. If you entrust the management of your assets to a financial advisor, this course will give you the background you need to communicate more knowledgeably with him or her and be an informed participant in your own financial well-being.Disclaimer: Please note that this recording may include references to supplemental texts or print references that are not essential to the program and not supplied with your purchase.©2014 The Great Courses (P)2014 The Teaching Company, LLC

    The McCoys made a successful transition from two incomes to one while living in one of the most expensive parts of America: the San Francisco Bay Area. Her Miserly Guidelines will help you save thousands of dollars a year on everything from groceries to electricity to insurance and household cleaners--as well as reveal the hidden costs of holding a job and common money wasters. Her practical, proven cost-saving techniques, strategies, tips, and recipes will help you live frugally without feeling deprived.

    We need to begin with the ideas that informed Paul’s worldview and culture. Our goal is simple – to see things the way he saw them rather than the way we see them.· What if the whole idea of ‘original sin’ was never part of Paul’s thinking at all? · What if the idea that we are saved by faith in Christ, as Luther so strongly argued, was based on a mistranslation of Paul’s words, and even more seriously on a misunderstanding of Paul’s thinking? Was Luther – and Calvin who followed him – simply terribly wrong?‘The tragedy,’ writes Steve Chalke, ‘is that over the centuries the Church has time and again failed to communicate, or even to understand, the core of Paul’s message. Although Paul has often been presented as the champion of exclusion, he was the very opposite. He was the great includer; a revolutionary who saw a new inclusive world dawning and gave his life to help bring it in.’ Steve Chalke MBE is a Baptist minister, founder and leader of the Oasis Charitable Trust, and author of more than 50 books.

    That day, George landed the largest largemouth ever recorded--twenty-two pounds four ounces. The fish has inspired and frustrated hundreds of anglers for decades. They've dedicated their lives to the pursuit of "Sowbelly"--a nearly mythical fish, whose swinelike girth holds the key to their dreams.From an L.A. cop who came within ounces of besting the record to an Alabaman who has lost his marriage and his daughter to this pursuit, Burke takes readers along for the ride in this legendary race.