Many of us begin our twenties burdened with college loan payments, and it's not unusual to end them with even more debt, often in the form of a costly home mortgage. In this debt-bracketed decade, it's crucial to develop solid money-management skills that will see you into your thirties in sound financial shape. The more you learn about saving, budgeting, and other money matters during your twenties, the more solid a foundation you can create--a foundation that will support your financial life for the next seventy years! In this lively and fun book, personal finance expert Peter Dunn offers practical tips and strategies created specifically to address the financial concerns and goals of readers in their twenties. Learn to master the challenges of this crucial decade with YOUR MONEY LIFE: YOUR 20s.

      Still in his early thirties, Chris is on the verge of completing a tour of every country on earth – he’s already visited more than 175 nations – and yet he’s never held a “real job” or earned a regular paycheck.  Rather, he has a special genius for turning ideas into income, and he uses what he earns both to support his life of adventure and to give back.    There are many others like Chris – those who’ve found ways to opt out of traditional employment and create the time and income to pursue what they find meaningful.  Sometimes, achieving that perfect blend of passion and income doesn’t depend on shelving what you currently do.  You can start small with your venture, committing little time or money, and wait to take the real plunge when you're sure it's successful.   In preparing to write this book, Chris identified 1,500 individuals who have built businesses earning $50,000 or more from a modest investment (in many cases, $100 or less), and from that group he’s chosen to focus on the 50 most intriguing case studies.  In nearly all cases, people with no special skills discovered aspects of their personal passions that could be monetized, and were able to restructure their lives in ways that gave them greater freedom and fulfillment.   Here, finally, distilled into one easy-to-use guide, are the most valuable lessons from those who’ve learned how to turn what they do into a gateway to self-fulfillment.  It’s all about finding the intersection between your “expertise” – even if you don’t consider it such -- and what other people will pay for.  You don’t need an MBA, a business plan or even employees.  All you need is a product or service that springs from what you love to do anyway, people willing to pay, and a way to get paid.   Not content to talk in generalities, Chris tells you exactly how many dollars his group of unexpected entrepreneurs required to get their projects up and running; what these individuals did in the first weeks and months to generate significant cash; some of the key mistakes they made along the way, and the crucial insights that made the business stick.  Among Chris’s key principles: if you’re good at one thing, you’re probably good at something else; never teach a man to fish – sell him the fish instead; and in the battle between planning and action, action wins.   In ancient times, people who were dissatisfied with their lives dreamed of finding magic lamps, buried treasure, or streets paved with gold.  Today, we know that it’s up to us to change our lives.  And the best part is, if we change our own life, we can help others change theirs.  This remarkable book will start you on your way.

    It not only gives pointers on how to get financial favors from your suitors without giving IT up but it also gives pointers on how to make the money you accumulated work for you in the future. The Author (Baje Fletcher) shares the lessons she's learned over the years and inspires women around the globe to never lose sight of their goals. Gold Digging or GOAL Digging? You decide. Receiving a great deal of publicity for her new book, A Golddigger's Guide, successful CEO and author Baje Fletcher schools aspiring women on how to play the game to get what they want. On the rough road to Hollywood, countless beauties searching for fame and fortune become overwhelmed by the seedy advances of self-proclaimed "powerful men" who promise to make them a household name. Such men include sleazy executives, producers, entertainers, sports stars and even corporate professionals who prey on unsuspecting, beautiful women naively ready to "do anything for fame." When these men get to star model and author Baje Fletcher however, the game gets flipped on them and she's taking no prisoners in the process. Having been there and done that, or at the very least, observed the effects such "poor choices" have had on other women, Baje is turning the tables and making a profit She wants to teach you how she does it as well. The multi-faceted Baje is in the process of shopping her reality show based off A Golddigger's Guide and is preparing to write her second book. She credits her tireless work ethic to being "Brooklyn-born and Jamaican-raised," as her upbringing taught her the value of perseverance, hard work and being resilient through challenges. "If everything I have today is taken away from me, I know how to pick myself up and start all over again because I came from nothing." Baje concludes, "Everything I have now is a blessing. I'm a hard worker and thank God I'm able to do what I love for a living." Story By: L. Raquel Boone of Jadore Magazine Her book's called A Gold Digger's Guide. She teaches "apprentices" how to get gifts from men without falling in love. The author, actress ("Paris Hilton's My New BFF"), music video dancer (most recently, Kanye's "Love Lockdown"), and entrepreneur aims to teach "how to get what you want, without giving it up." You know: it. "You don't ever tell him up front that you're not going to sleep with him and never meet alone or in secluded areas," Fletcher says. "It's about using your mind and planning ahead." Fletcher's house, Bentley, college degree, and collection of Gucci and Louis Vuitton purses have been financed by the great men of Miami, Broward, and Palm Beach. Fletcher called South Florida home in 2007 and 2008, and she stopped by our newsroom last week. After the jump, her favorite local places to pick up sugar daddies: Cugini Grille & Martini Bar "In Delray, the men are mature, focused, and goal-oriented. I can learn things from them, like business etiquette. There are always Bentleys and Rolls-Royces around Cugini, and there's nice jazz music playing down the block." The Westin Diplomat Resort & Spa "It's a hotel that has a couple of lounges attached where yachts sail right up to you -- literally, you can step right off a yacht and step right in the party, which is often outside." - Story by Lisa Gartner of New Times News"

    The narrator, Dave, a 28-year-old school teacher and expectant father, his 30-year-old sister, Cathy, who runs a small business, and his buddy, Tom, who works in a refinery, sit around a barber shop in Sarnia, Ontario, and listen as Ray Miller, the well-to-do barber, teaches them how to get rich. The friends are at the age when most people start thinking about their future stability; among the three of them, they face almost every broad situation that can influence a financial plan. Ray, the Socrates of personal finance, isn't a pin-striped Bay Street wizard. He is a simple, down-to-earth barber dispensing homespun wisdom while he lops a little off the top. Ray's barbershop isn't the place to learn strategies for trading options and commodities. Instead, his advice covers the basics of RRSPs, mutual funds, real estate, insurance, and the like. His first and most important rule is "pay yourself first." Take 10 per cent off every pay cheque as it comes in and invest it in safe interest-bearing instruments. Through the magic of compound interest, this 10 per cent will turn into a substantial nest egg over time. This book isn't about how to get rich quick. It's about how to get rich slowly and stay that way.

    Drawing on her years of experience as a professional organizer, Morgenstern outlines a simple organizing plan that starts with understanding your individual goals, natural habits, and psychological needs, so that you can work with your priorities and personality rather than against them. The basic steps-Analyze, Strategize, Attack-can be applied to any space or situation. In this thoroughly revised edition, Morgenstern has incorporated new information in response to feedback from her clients and audiences. These changes include- new chapters on living or working with someone who is disorganized- new chapters on organizing photographs, handbags, briefcases, and travel bags- an expanded program for organizing your kitchen- a new guide to getting started- a fully updated resource guide

    His chances were assessed as slim', since his grades were usually unexceptional. But with the help of Use Your Head, he went on to achieve four As at A-level, two starred firsts at Cambridge and a top job with a multi-national company. Since 1974, Use Your Head has been translated into over 27 languages, has been published in five continents and 100 countries, has sold well over a million copies and still the demand increases! Use Your Head will: *Teach you the vital skills of Learning How to Think and Learn. *Increase your creative thinking and problem-solving capacity *Enable you to make the best of your brain *Provide you with both the confidence and the means to fulfil your own mental potential

      Buy as many lattes as you want. Choose the right accounts and investments so your money grows for you—automatically. Best of all, spend guilt-free on the things you love.   Personal finance expert Ramit Sethi has been called a “wealth wizard” by Forbes and the “new guru on the block” by Fortune. Now he’s updated and expanded his modern money classic for a new age, delivering a simple, powerful, no-BS 6-week program that just works.  I Will Teach You to Be Rich will show you: • How to crush your debt and student loans faster than you thought possible • How to set up no-fee, high-interest bank accounts that won’t gouge you for every penny • How Ramit automates his finances so his money goes exactly where he wants it to—and how you can do it too • How to talk your way out of late fees (with word-for-word scripts) • How to save hundreds or even thousands per month (and still buy what you love) • A set-it-and-forget-it investment strategy that’s dead simple and beats financial advisors at their own game • How to handle buying a car or a house, paying for a wedding, having kids, and other big expenses—stress free • The exact words to use to negotiate a big raise at work  Plus, this 10th anniversary edition features over 80 new pages, including: • New tools • New insights on money and psychology • Amazing stories of how previous readers used the book to create their rich lives   Master your money—and then get on with your life.

     It wasn’t because they weren’t smart, talented people. They were. The problem was that in all of their years of school, no one had taken the time to teach them how to learn things efficiently. I want to change that. Because here’s a secret… If you study correctly, not only is it MUCH less work, but you’ll also get WAY better grades (and perhaps even have a bit of fun). Take it from me… I have two bachelor’s degrees and a master’s degree. While I was getting my master’s degree, I had three jobs. And let me tell you something: if you have three jobs while you’re getting a master’s degree, you are virtually forced to come up with some study hacks or you’ll go insane! I was also a college instructor for many years, and during that time, I was working as a professional tutor. All told, I’ve coached hundreds and hundreds of students into better grades. Now I want to teach you. What will you learn? Discover how to cut study time in HALF. Who really likes to study? Not me! Luckily, you probably don’t have to be studying nearly as much as you probably are right now. Because here’s a secret: the top students don’t study as much. They just study more effectively. Understand the MINDSET of an ultra-successful student. There are tons of different study strategies out there. However… Most of those strategies can’t be applied to everyone. Want to know why? Because studying isn’t about flash cards or formulas or any other “tip”. Studying the right way is a whole different type of approach. It’s a WAY of learning, remembering, and interacting. Even more than that, studying the right way includes a lot more than just preparing for tests. There are social, biological and psychological elements to it. To really study like an A+ student, you have to change the way you THINK about school. Learn 19 study habits that will totally reshape how you think about school. Here are just a few of the things you’ll learn. How to write papers in half the time Why you shouldn’t take notes in class The best way to talk to your professors What you should eat before a test How thinking dirty thoughts can help you learn Why everything you’ve been told about Wikipedia is wrong When you should be reading (hint: it’s not after class) How professors grade you Why your body loves to learn when it’s tired Exactly how many sources it takes to write a killer paper And much, much more! And guys… these only take FIVE minutes.

    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.

    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.

    These ten simple principles miraculously transform every individual who comes into contact with them. By applying these principles, you are literally walking in the footsteps of the wealthy. In Rich Habits, Tom Corley provides a step by step financial success program that is concise, easy to understand and even easier to apply, regardless of your age, education or income level. In these tough economic times, individuals are struggling financially and desperately looking for help in achieving financial success. Every person seeks prosperity for themselves and their families, and with Rich Habits the secret to financial success, possessed by only the wealthiest individuals, will be revealed. Join the Rich Habits financial success revolution.

    How to Speak Money is acclaimed writer John Lanchester’s entertaining and informative attempt to bridge the gap between the money people and the rest of us. With characteristic wit and candor (“wickedly funny” — Dwight Garner, New York Times), Lanchester shows how the world of finance and economics really works — from the terms and conditions of your personal checking account to the evasions of bankers appearing in front of Congress. How to Speak Money reveals how the language of money is often a tool to conceal and mislead; he explains hundreds of common economic terms, from GDP to the IMF, amortization to securitization to collateralized debt obligation; and he argues that we all need to speak money lest those who do write the financial rules for themselves.

    We spend endless hours obsessing over our budgets and investments, trying to figure out ways to stretch every dollar. We try to follow the advice of money gurus and financial planners, then kick ourselves whenever we spend too much or save too little. For all of the stress and effort we put into every choice, why are most of us unhappy about our finances?According to Laura Vanderkam, the key is to change your perspective. Instead of looking at money as a scarce resource, consider it a tool that you can use creatively to build a better life for yourself and the people you care about. For instance, the average couple spends $5,000 on engagement and wedding rings, making these pricey purchases largely because everyone else does. But what if you decided to spend $300 on rings and apply the rest to future date nights, weekend getaways, and thinking-of-you bouquets over the next ten years? In he long run, what would bring more joy to your marriage? Likewise, will owning a home with a pristine lawn and a two-car garage—the American Dream—really make you more satisfied? Or are you saving up for this investment just because financial planners tell you it’s worth it?Vanderkam shows how each of us can figure out better ways to use what we have to build the lives we want. Drawing on the latest happiness research as well as the stories of dozens of real people, Vanderkam offers a contrarian approach that forces us to examine our own beliefs, goals, and values.Among her advice:Laugh at the Joneses: It’s human nature to compare yourself to those around you, but you can create lifestyle hat rings you personal satisfaction without copying your neighbors.Give yourself the best weekend ever: Studies show that experiences often bring more pleasure than material goods. With a little planning and creativity, you can give yourself a memorable getaway without leaving town or going broke.Embrace the selfish joy of giving: Giving back not only helps you build karma, it also helps you build a community—which is much more fulfilling than a tax deduction. All the Money in the World is a practical and inspiring guide that shows how money can buy happiness—if we spend it wisely.

    Your Money or Your Life is even more relevant today than it was when the book first hit the stands, and a great publicity campaign will bring this already strong-selling book to a whole new audience.

    Filled with practical advice for every occasion, business and pleasure, this book ensures that all of your social interactions will be handled with grace and confidence.This classic guide, first published in 1952, has been fully updated to reflect the concerns of the modern reader. The advice that has made Amy Vanderbilt the first name in etiquette remains pertinent today. Here is the final word on buying and using stationery, responding to dinner invitations, hosting a party, and attending religious ceremonies. The chapter of the most enduring popularity is, of course, the one on weddings. From addressing invitations to sending thank you notes, everything a bride needs to plan the perfect wedding is easily accessible.In addition to the time-honored guidance that has made this book a treasured reference, this updated edition contains information that addresses modern concerns of every kind. Here is advice on answering cellular phone calls in public, behaving courteously at the gym, and speaking at business meetings.Whether you need to compose an invitation, write a letter of condolence, address your senator, set a dinner table, or buy a gift for a foreign business associate, you will find The Amy Vanderbilt Complete Book of Etiquette practical, down-to-earth, and always reliable.Updated and revised by former White House Staff Coordinator Nancy Tuckerman and respected businesswoman Nancy Dunnan, this trusted book remains the most complete and authoritative guide to living well.