There’s just one problem: those and many simi­lar statements are false. For the past few decades, Americans have spent billions of dollars on personal finance products. As salaries have stagnated and companies have cut back on benefits, we’ve taken matters into our own hands, embracing the can-do attitude that if we’re smart enough, we can overcome even daunting financial obstacles. But that’s not true. In this meticulously reported and shocking book, journalist and former financial columnist Helaine Olen goes behind the curtain of the personal finance industry to expose the myths, contradictions, and outright lies it has perpetuated. She shows how an industry that started as a response to the Great Depression morphed into a behemoth that thrives by selling us products and services that offer little if any help. Olen calls out some of the biggest names in the business, revealing how even the most respected gurus have engaged in dubious, even deceitful, prac­tices—from accepting payments from banks and corporations in exchange for promoting certain prod­ucts to blaming the victims of economic catastrophe for their own financial misfortune. Pound Foolish also disproves many myths about spending and saving, including:Small pleasures can bankrupt you: Gurus popular­ized the idea that cutting out lattes and other small expenditures could make us millionaires. But reduc­ing our caffeine consumption will not offset our biggest expenses: housing, education, health care, and retirement.Disciplined investing will make you rich: Gurus also love to show how steady investing can turn modest savings into a huge nest egg at retirement. But these calculations assume a healthy market and a lifetime without any setbacks—two conditions that have no connection to the real world.Women need extra help managing money: Product pushers often target women, whose alleged financial ignorance supposedly leaves them especially at risk. In reality, women and men are both terrible at handling finances.Financial literacy classes will prevent future eco­nomic crises: Experts like to claim mandatory sessions on personal finance in school will cure many of our money ills. Not only is there little evidence this is true, the entire movement is largely funded and promoted by the financial services sector.  Weaving together original reporting, interviews with experts, and studies from disciplines ranging from behavioral economics to retirement planning, Pound Foolish is a compassionate and compelling book that will change the way we think and talk about our money.

    Drawing on her own transformation—over just a few years—from a woman living in a converted garage with tumbleweeds blowing through her bank account to a woman who travels the world in style, Jen Sincero channels the inimitable sass and practicality that made You Are a Badass an indomitable bestseller. She combines hilarious personal essays with bite-size, aha concepts that unlock earning potential and get real results. Learn to: • Uncover what's holding you back from making money • Give your doubts, fears, and excuses the heave-ho • Relate to money in a new (and lucrative) way • Shake up the cocktail of creation • Tap into your natural ability to grow rich • Shape your reality—stop playing victim to circumstance • Get as wealthy as you wanna be“This book truly crystallizes the concept that financial abundance is an inside job—in that it all begins with your mindset—and Sincero gets serious (in the funniest ways possible) about helping you identify your particular limiting beliefs surrounding money.” —PopSugar

    And here's the best news of all: mental toughness is something anyone can learn.Director of mental training for the St. Louis Cardinals and a top-tier executive coach, Dr. Jason Selk knows everything there is to know about developing the mental toughness required for achieving any goal you set for yourself. In fact, the techniques he outlines in this book are the same ones he used to help the Cardinals defeat the heavily favored Detroit Tigers in the 2006 World Series.Inspired on the vision of legendary basketball coach John Wooden, Selk's program is as simple as it is effective. But that doesn't mean it's easy. You have to put effort into your drive to success; it's the only way to build up your mental "muscles." Selk provides hands-on daily exercises for breaking old, self-defeating patterns of behavior and replacing them with the can-do attitude and positive behavior that would make Coach Wooden proud.Executive Toughness outlines the three fundamentals for attaining high-level success:ACCOUNTABILITY--admit to mistakes, correct them, and, most important, learn from them FOCUS--on your strengths, on winning, on reaching your goal . . . for only 100 seconds per day OPTIMISM--don't just believe you can succeed, know you can succeedExecutive Toughness takes you through the steps of making these critical behaviors part of your everyday routine. Practice your accountability, focus, and optimism, and you'll be on the path to attaining your goals; make them part of your mental "DNA," and there will be no turning back--ever.A complete regimen from a leading expert on developing the mindset for attaining goals, Executive Toughness is your workout for ultimate success in your career and in your life.

    You can become an expert at cleaning your home. All you need are the right tools and supplies, a little motivation, and the method that Beth McGee has perfected over 20 years as a home cleaning professional. Beth shares the products, process, and encouragement you need to make this seemingly daunting task manageable. Get Your House Clean Now: The Home Cleaning Method Anyone Can Master, is filled with unique information beyond the recycled cleaning tips you’ve seen on the Internet. This is not a seven day or 30 day course on getting your home clean. This book will prepare you to get your house clean as soon as you're ready to get started, no matter how dirty it is. Whether you just want your home to sparkle, start your own cleaning business, prepare your home to rent or flip, or help your house cleaner work most effectively for you, this book will help you do it. Beth will instill in you knowledge to last a lifetime for keeping your home clean.

    Stop Playing Safe is a call to action for anyone who has ever felt that their work was not revealing their true potential for personal progression and career development. It will give you the conviction and courage to become bolder in your career, to perform better and enjoy your work more.Margie points out that 'fear' seems to be our new state of 'normal' as we deal with economic uncertainty, job insecurity and constant change management in the workplace. In times like these, all our instincts tell us to play safe and avoid risk. Yet courage and bold action are the keys to reaping the rewards of exceptional success in your career.Supported by case studies, insights and advice from a range of high-profile Australian and international entrepreneurs, Stop Playing Safe shares tactics you can put into practice to achieve personal fulfilment and professional success. It will help you clarify your career purpose and maximise your work value. It offers solutions for dealing with change management and will encourage you to pursue your career goals with renewed vigour and empowerment.Margie Warrell grew up on a dairy farm in rural Australia and has lived in the US She is the best-selling author of Find Your Courage and CEO of Global Courage Her clients include the United Nations Foundation, NASA, Ernst & Young, Bechtel, Best Buy, Accenture, AOL, Covidien, ADT, United Healthcare, and ExxonMobil You will keep coming back to this book as you move forward in your career, using it as a ready reference to progress through each stage and tackle each new challenge. Adapting to change an taking chances are critical to your success. This book will help you with both. Get it, read it, enjoy the results. - Jon Gordon, author of The Energy Bus and The Seed."Stop Playing Safe will help you harness the courage to take the risks that make sense--and give you the success you want. - Randy Gage, Author of Risky Is the New Safe"Practical, powerful, and inspiring. In uncertain times, it's a guide-book you can't afford not to read as it spells out exactly how to handle your challenges and find the confidence to speak up, adapt and get ahead in the new economy. Everyone in your company should read it! - Suzi Pomerantz, author, Master coach, and CEO of Innovative Leadership International."Stop Playing Safe is one of those rare books that is at once original, inspirational, and above all, useful." - Bill Treasurer, President of Giant Leap Consulting and author, Courage Goes to Work.Stop Playing Safe provides a roadmap to navigate uncertainty and find the courage to create meaningful changes in your workplace, career and life. - Rebecca Heino, Professor of Management, McDonough School of Business, Georgetown University"Margie Warrell provides powerful and practical advice for overcoming our innate fear of risk and vulnerability. It bears reading and re-reading for all who strive to become their best selves. - Dr Gordon Livingston, Author of Too Soon Old, Too Late SmartMargie is a true expert on the science of success. Her new book is both inspiring and practical. It's a powerful manual for creating the life of your dreams." - Siimon Reynolds, author of Why People Fail

    Here are immediate, effective, eye-opening actions you can take to resolve those infuriating problems. You will find stories and examples drawn from corporate communications consultant Leil Lowndes's more than 20 years of training business professionals, from entry-level new hires to CEOs. To succeed today, you must exhibit these crucial qualities, the 5 Cs: CONFIDENCE 10 ways to show your boss and colleagues you are 100 percent self-assured and can achieve whatever you want--and reinforce this image throughout your entire working relationshipCARING 14 strategies to demonstrate you care about your colleagues and the company because "people don't care how much you know until they know how much you care" CLARITY 12 techniques to get your ideas across clearly--and ensure you understand everybody you work withCREDIBILITY14 methods to win the trust and respect of everyone at your company--and impress people who find you on the web COEXISTENCE (WITH CRUEL BOSSES & CRAZY COLLEAGUES)21 tactics to confront the number one workplace nightmare and come out shiningPlus one final astonishing technique to guarantee success and happiness in your professional life. After you've mastered the unique "bag of little tricks" in this book, you will know How to Talk to Anyone at Work!

    But they’re single-minded and very, very hungry. On land, they take the form of bosses, businesspeople, colleagues, family, and sociopathic neighbors. In the world of former governor of New Mexico and US ambassador to the United Nations Bill Richardson, they have taken the form of the most powerful people in the world. He’s engaged in high-stakes, face-to-face negotiations with Castro, Saddam, the Taliban, two generations of North Korean leadership, and many more of the world’s most infamous dictators—and done it so well he was known as the "Undersecretary of Thugs" while with the Clinton administration. Now the 5-time Nobel Peace Prize nominee tells these stories—from Washington, DC, to the Middle East to Pyongyang—in all their intense and sometimes absurd glory.How to Sweet-Talk a Shark is a rare, candid, and entertaining glimpse into an insider’s world of high-stakes negotiation – showing Richardson’s successes and failures in some of the world’s least friendly places. Meanwhile, readers get frank lessons in the art of negotiation: how to prepare, how to size up your opponent, how to understand the nature of power in a standoff, how to give up only what is necessary while getting what you want, and many other strategies Richardson has mastered through at-the-table experience – and from working with other master negotiators like Presidents Obama and Clinton, and Nelson Mandela. These are takeawayas that anyone can use to negotiate with the power brokers, dealmakers, and, yes, the hungry sharks in their own lives.

    We easily get addicted to the high of achieving our goals. This isn't always a bad thing but it can be when we lose sight of the more important things in life.Many people never really feel satisfied in their regular day to day living and so they constantly strive for something outside of themselves to make up for their feelings of boredom, unworthiness, or whatever it may be.In our success-driven culture, it's very easy to miss out on the simple joys in life. Most people find it very difficult to be happy with a simple existence.First of all, there is nothing wrong with striving for bigger things. There is also nothing wrong with living a very simple and ordinary existence.What is truly important in the grand scheme of things is how we FEEL and how we make others feel, and this, believe it or not, has nothing to do with the outward circumstances of our lives.It costs absolutely nothing to be a kind and loving person. It costs nothing to focus on the brighter side of life. It's all a matter of perspective and our ability to release the negativity within ourselves.This book discusses a simple but powerful strategy for releasing these negative emotions that block us from experience the joy of the present moment. It shows you step by step how to be happy regardless of your life circumstances. It's easier than you think. Enjoy :)

     Conversations with Richard Bandler recounts Owen Fitzpatrick's journey to discover the true nature of personal freedom and what is possible for the human spirit. Through his conversations with his mentor, Richard Bandler, and drawing on his own personal and professional adventures across the world, he takes you on a thought-provoking voyage of discovery.Today, many have become trapped in fear, anxiety, loneliness, depression, heartbreak, rejection, and perfectionism. After thirty-five years of helping people transform their lives and become free from their problems, Richard Bandler has the answers. Conversations with Richard Bandler is packed with exercises designed to help you change, as well as to make you happier, more relaxed, confident, and successful. You'll also gain fascinating insights into love and spirituality, as well as Richard's philosophies on life and the human experience.

    An internationally renowned success coach, he shares the best of what he’s learned—about inspiration, motivation, well-being, relationships, finances, and more—from more than15 years of training thousands of people to have what they want and create a life that makes them go “Wow!”Let him do the same for you . . . and you’ll experience more happiness and greater success than ever before!

    Through her accessible, empowering writing, Christy Whitman shares the fundamental principles that she’s discovered after more than twenty years of studying universal forces—such as polarity, alignment, resonance, momentum, and magnetism—and explains how to harness these forces to optimize your wealth and career. Exemplified by numerous case studies, Christy’s ten-step plan teaches you how to establish inner relationships with future clients, associates, and employees, work with light and energy to magnetize opportunities and resources, build a culture of value and appreciation that brings out the very best in those around you, and operate at your highest capacity. By mastering this process, you will enable yourself to achieve unimaginable success in your career, however you define it.

    

    Every experience one undergoes in the course of life is like a seed. The learning that comes out from that experience is like a tree. The biggest of trees manifest from the smallest of seeds. How easy it is to misjudge the depth of content that is stored in the tiny seed! If only we could learn to decode the hidden wisdom contained in every experience, life would become a journey of learning, rather than a series of frustrating experiences. The Wisdom Tree is a book that helps you see the world from the perspective of a learner.The Wisdom Tree is based on various talks given by H.H. Radhanath Swami. This is neither an exact transcription nor an overly corrected version.

    She returned to save another life. This experience transformed her, allowing her to enjoy a full and happy life, free from fear.In “24 Minutes on The Other Side”, Tessa tells us about her amazing journey to the afterlife―where she established contact with other beings―to help you understand the sense of life and death. One cannot exist without the other. Thanks to her experience with patients suffering from a terminal disease, the author learned that it is possible to live without fear of death and presently helps others to overcome their fear and die in peace, with dignity, knowing that death is only an awakening to a new life.Why are we afraid of dying? Is there life after death? Can we live without fear? Tessa invites us to follow her during her journey with the object of finding an answer to these fascinating mysteries. SELECTED REVIEWS “This shocking book gave me goosebumps. It successfully combines experience with science. The story is clear and the reading is fluid. Its pages present the author as a benevolent person with good intentions to help us. In hard times, I remember Tessa and her story, and try not to forget that there is life before death.” Benjamín Espinoza. Chemical engineer “This book has helped me face my death-related fears. It made me aware of how easy it is to live without fearing death as such. It gave me a lot of strength, energy and, most preciously, Love. Tessa taught me that instead of living in fear we should learn how to live.” Filli Ramírez. Entrepreneur. THE AUTHOR Tessa Romero is a writer, journalist, sociologist, and life coach. She is a volunteer for the defense of human rights and a journalist with a wide experience in Spain’s leading news media. She has written educational manuals on lyrical and symphonic music, tourist guides for several countries, as well as touristic and cultural articles for both the Spanish and the international printed press. She won her first literary award when she was only 8 years old and was prompted by her true vocation, as an author, to write her story and thus give life to this, her first personal-growth book, thus fulfilling her dream of helping others. Copyright©TessaRomero2020

    The answer is YES. After years of helping clients and attendees at my lectures learn to manifest their dreams, I developed a simple 5 step process to help you manifest right away. The secrets the Secret never told you. If I can do it, and they can do it, you can do it! A note to readers - Please leave your stories of your successes in the testimonies so other people will know that this process works and even though we do it instinctually sometimes when we really want something and it's not appearing we have blocked it. Sometimes the process is just about getting out of the way. In any case can't wait to hear all your happy stories afterwards please do come back and share:)