Iron-clad cell phone contracts you can’t get out of with a crowbar. Paying big bucks for insurance you don’t need on a rental car or forking over $20 a day for supposedly “free” wireless internet. Every day we use banks, cell phones, and credit cards. Every day we book hotels and airline tickets. And every day we get ripped off.How? Here are just a few examples of how big business can get you:• You didn’t fill up the rental car with gas?Gotcha! Gas costs $7 a gallon here.• Your bank balance fell to $999.99 for one day?Gotcha! That’ll be $12. • You miss one payment on that 18-month same-as-cash loan?Gotcha! That’ll be $512 extra.• You’re one day late on that electric bill?Gotcha! All your credit cards now have a 29.99% interest rate.But not for much longer. In Gotcha Capitalism, MSNBC.com’s “Red Tape Chronicles” columnist Bob Sullivan exposes the ways we’re all cheated by big business, and teaches us how to get our money back–proven strategies that can help you save more than $1,000 a year.

    The earlier we choosetosave(R), the sooner we can stop saving, and the later we start saving the more we need to know in order to catch up. What you need to know; where you can find the answers; how you can take action. It is all here." -Dallas Salisbury, CEO, Employee Benefit Research Institute and American Savings Education Council (www.choosetosave.org) "Bookstores are full of tomes advising people how to save for retirement, yet millions of people are still hopelessly confused about what they should do. Gail MarksJarvis breaks it down into simple steps that anyone can do to ensure a more comfortable retirement. Read this book and prosper!" -Liz Pulliam Weston, MSN Money Personal finance columnist and best-selling author of Your Credit Score "This book offers a sensible, sophisticated approach for tackling the daunting challenge of saving for retirement. The good news? You can retire-without living on canned food or buying lottery tickets-if you follow Gail's realistic strategies for saving, investing, and ultimately spending money in retirement." -Susan Tompor, Detroit Free Press "You can wallpaper a warehouse with all of the awful investment advice offered up every year in newspapers, magazines, and books. One of the most difficult tasks is to separate the get-rich-quick hype from the truly worthwhile knowledge that will make you wealthy over time. I'm thrilled to say that Gail MarksJarvis has cut through the claptrap of investment cacophony and provided not only a solid plan for retirement saving, but a realistic, common-sense approach to personal finance in general. This is a triumph." -John F. Wasik, Bloomberg News personal finance columnist and author, The Merchant of Power Drawn from responses to questions from over 20,000 readers of the author's personal finance columns. Over the years, Chicago Tribune financial columnist Gail MarksJarvis has taken the time to listen and respond to thousands of her readers about the issues, questions, and concerns that are most important to them. Saving and investing for retirement has never been more important...and with this book, it's never been clearer what you need to do and how to do it. Don't wait another day! Discover...How much you'll need and how to get there...even if you've fallen behind Exactly how to set up IRAs, 401(k)s, or 403(b)s in minutes and pocket your tax money How to harness the money-making power of the stock market How to pick the right mutual funds confidently with simple strategies and specific recommendations Incredibly easy, safe investing strategies based on professional money-management techniques "Gimmick-free" investing shortcuts that won't backfire on you How to keep debt from making you poor How to get reliable help if you need it...and avoid incompetents or scam artists How the new 2006 pension laws affect you MarksJarvis eliminates the insider jargon, confusion, and math...takes the mystery out of the stock market...simplifies investing techniques...answers all your questions...clears away every obstacle in your way so you make money without taking foolish risks. She's already done it for millions, in the nation's top newspapers and most popular financial radio and TV shows. Now, she'll do it for you, too! Introduction 1 Start Investing Early, or Start Now 1 2 Know What You'll Need 9 3 Savings on Steroids: Use a 401(k) and an IRA 39 4 An IRA--Every American's Treasure Trove 59 5 IRA Decisions: How to Start, Where to Go 65 6 Why the Stock Market Isn't a Roulette Wheel 89 7 What's a Mutual Fund? 105 8 Making Sense of Wacky Mutual Fund Names 115 9 Know Your Mutual Fund Manager's Job 127 10 The Only Way that Works: Asset Allocation 151 11 Do This 163 12 How to Pick Mutual Funds: Bargain Shop 181 13 Index Funds: Get What You Pay For 189 14 Simple Does It: No-Brainer Investing with Target-Date Funds 209 15 Do You Need a Financial Adviser? 219 Index 229

    The authors lay out a groundbreaking approach to getting control of your money so you can finally start building the life you’ve always wanted. The result of more than twenty years of intensive research, All Your Worth offers you a step-by-step plan that will let you master your finances—for the rest of your life. The secret? It’s simple, really: get your money in balance. Warren and Tyagi show you how to balance your money into three essential parts: the Must-Haves (the bills you have to pay every month), the Wants (some fun money for right now), and your Savings (to build a better tomorrow). No complicated budgets, no keeping track of every penny. Warren and Tyagi will show you a whole new way of looking at money—and yourself—that will help you get your finances on track so you can enjoy peace of mind for the rest of your life.

    

    Why entrust your memories to hastily taken snapshots--or worse yet, none at all? Let professional photographer (and mom) Me Ra Koh help you capture the moments with 40 beautiful "photo recipes" anyone can do, with any camera. Telling your baby's story in pictures has never been easier!

    I'm sure it will be ...

    Includes discussion of practice techniques, chassis set-up, and working with your pit chief.

    Rich. Wealthy. Well-heeled. Moneyed. Affluent. Not bad--but why not get Stacked instead? If you've ever dreamed of a basic philosophy of money that'll help you live bigger, be bolder, and laugh harder, you need this book.In these uncertain times, the basics matter more than ever. But for most of us, concepts such as investing, budgeting, and getting out of debt just don't float our boats (or 150-foot yachts)--and so we put them off longer than we should. Joe Saul-Sehy and Emily Guy Birken are here to tell you that personal finance can be a lot more fun than you think. (No haberdashery, maritime knowledge, or specialized flatware required.)Learn about everything from side hustles, to hiring a legit financial adviser, to planning for emergencies, to what's new and exciting--and actually worth your time--in financial apps and software. If you're looking for the same old get-rich-quick clich�s, avocado toast shaming, or alphabet soup of incomprehensible financial terms, you won't find them here. Instead, Saul-Sehy and Birken take you step by step along the way to financial success, with their signature blend of shrewd financial information and wacky humor.

    The truth is: Most to-do lists are a distraction that often cause you to procrastinate on important tasks. Fortunately, the TODOIST app is specifically designed help you manage all your day-to-day tasks -- even when juggling dozens of projects. Todoist is widely considered to be the #1 to-do list app because of its simple functionality. It's elegantly designed so you can download it right now and create your first task list within five minutes. On the other hand, it has many advanced features that allow you to manage hundreds of tasks and projects, without making you feel overwhelmed. All of this and more is covered in the book, " Master Todoist ." DOWNLOAD: Master Todoist: How to Use a Simple App to Create Actionable To-Do Lists The goal of Master Todoist is to help you rethink your to-do lists. On the surface, you’ll find a walkthrough of all the app's features, but you’ll also discover many advanced strategies for focusing on the tasks that truly matter. Specifically, you will learn how to: Identify the activities that are most important for your personal and professional life Remember every single date-specific appointment, meeting, and personal obligation Create projects with clearly identifiable next steps Use Todoist to remove the distractions and "noise" that prevent you from focusing on your big-picture activities Implement the advanced features to streamline the most precious asset that you possess -- your time You can eliminate that feeling of overwhelm by redesigning the way you manage tasks. And in Master Todoist, you'll discover how you can take massive action in your life by relying on a simple app that's trusted by over 5 million users. Learn How to Get the Important Things Done by Clicking the "Buy Now" Button at the Top of the Page.

    He then covers every step from purchase to sale: - Get the profit-making house at the price you can afford- Make the improvements that make you millions- Insider secrets that save you thousands- Take advantage of the market's ups and downs- Sell your home tax free and pocket the profitsFilled with practical tips, illustrated with before-and-after case studies and easy to use charts and worksheets, Find It, Fix It, Flip It! offers the insider expertise needed to tap into an exciting--and potentially limitless--new source of income and financial independence.

    “I work hard, I deserve this.” “I bought it on sale.” But at twenty-two, the recent college graduate was $18,000 in debt and sinking fast. It was time to take control. Patrice educated herself about finance, adopted a new attitude toward money, and most importantly, adjusted her spending habits. By twenty-five she was debt free—and used the wisdom she gained to start her own successful real estate and mortgage brokerage—and by twenty-nine started her own financial counseling business.Patrice’s former bad spending habits aren’t unique, and women find themselves in financial hot water for a host of reasons. Women earn less than men and have to stretch those hard-earned dollars further. They contribute more to caregiving and aging parents, live longer, and many—including most African American women—are choosing to stay single.Real Money Answers for Every Woman teaches you how to take responsibility for your financial future, whether you’re just starting out or need a fresh start. In a handy Q & A format, it offers relatable and easy to understand and implement advice on everything from managing credit cards, home ownership, and student loans to affordable childcare and even negotiating for a higher salary. Following Patrice’s practical advice, you’ll learn to form “wealthy” habits, establish an “opportunity fund,” stop collecting STUFF that causes debt, and discover the freedom that comes from feeling financially secure.

    The best-selling banjo method in the world! Earl Scruggs's legendary method has helped thousands of banjo players get their start. The Revised and Enhanced Edition features more songs, updated lessons, and many other improvements. It includes everything you need to know to start playing banjo, including: a history of the 5-string banjo, getting acquainted with the banjo, Scruggs tuners, how to read music, chords, how to read tablature, right-hand rolls and left-hand techniques, banjo tunings, exercises in picking, over 40 songs, how to build a banjo, autobiographical notes, and much more! The book/audio version includes recordings of Earl Scruggs playing and explaining over 60 examples! Audio is accessed online using the unique code inside the book and can be streamed or downloaded. The audio files include PLAYBACK+, a multi-functional audio player that allows you to slow down audio without changing pitch, set loop points, change keys, and pan left or right.

    There are many ways to save money while you pursue the “hunt” for your roots: some are just common sense while others are, frankly, ingenious. Also keep in mind that it doesn’t pay to be so focused on “frugal” that in the long run you either lose money or that genealogy is no longer “fun.” The title of this book is misleading, and intentionally so. The fact is, you’ll find over 30 amazing ways to save money when purchasing genealogy-related products and services. You may already be using some of these tricks, but I guarantee that once you starting using some of the more unusual money-saving tips, you’ll say to yourself, “Now, why didn’t I think of that!” Finally, the end of The 15 Habits of Highly Frugal Genealogists is filled with special offers exclusively for those who have purchased this book. These deals were specifically negotiated with certain vendors and most use links or promo codes that are valid through the end of 2015. SPECIAL EXCLUSIVE SAVINGS! As a reader of The 15 Habits of Highly Frugal Genealogists, you’ll have exclusive access to the following deals negotiated with specific vendors. • MyHeritage: Save 35% off a Premium Plus account and 1 year Data Subscription • Legacy Tree Genealogists: $45 off any genealogy research project • Hack Genealogy Boot Camp: 30% off any digital download • Legacy Family Tree: 15% off an annual membership at Legacy Family Tree webinars; 15% off Legacy Family Tree Deluxe Software • Shop Family Tree: 15% off any one item at ShopFamilyTree.com • Amazon: Various savings on genealogy products • Family Tree Tours: Save $50 on any tour booking • Flip-Pal® mobile scanner: Save $35 on a special Flip-Pal mobile scanner bundle • Larsen Digital: 10% off ALL conversion services including audio, video and more! • AncestryDNA: Free Shipping on all AncestryDNA kits • Evidentia: 20% off Evidentia software • Genealogical Publishing Company: 30% off all items at Genealogical.com

    That’s where this full-color Missing Manual comes in. Learn how to stream HD video, make video calls, manage your email, surf the Web, listen to music, play games, and maybe even do a little iWork. This is the book that should have been in the box.Build your media library. Fill your iPad with music, movies, TV shows, eBooks, photos, and more.Share with others. Stream music, HD movies, TV shows, and more, to and from your iPad.Create your own media. Use the iPad’s new Photo Booth, iMovie, and GarageBand apps to express yourself.Get online. Connect through WiFi or Wi-Fi+3G, and surf with the iPad’s faster browser.Place video calls. See who’s talking with the iPad’s FaceTime app and its two cameras.Consolidate your email. Read and send messages from any of your accounts.Learn undocumented tips and tricks. Get the lowdown on cool iPad secrets and workarounds.

    Many Canadians who own their home have never considered buying a second property. And nearly one-third of retirees are worried about running out of money. The Real Estate Retirement Plan shows how homeowners can use the tools already available to them — their mortgages — to access the initial capital to invest and prepare for their retirement. This is a proven, validated antidote to today’s historically low savings rates, poor current rates of return, and pressure on CPP and health care.With examples and a detailed discussion of the principles and mechanics, Calum Ross and Simon Giannini demystify real-estate investing and make an irrefutable case for borrowing to invest.