Money Magic offers a clear path to a richer, happier, and safer financial life. Whether you’re making education, career, marriage, lifestyle, housing, investment, retirement, or Social Security decisions, Kotlikoff provides a clear framework for readers of all ages and income levels to learn tricks like:How to choose a career to maximize your lifetime earnings (hint: you may want to consider picking up a plunger instead of a stethoscope).How to buy a superior education on the cheap and graduate debt-free.Why it’s smarter to cash out your IRA to pay off your mortgage.Why delaying retirement for two years can reap dividends and how to lower your average lifetime tax bracket.    Money Magic’s most powerful act is transforming your financial thinking, explaining not just what to do, but why to do it. Get ready to discover the economics approach to financial planning—the fruit of a century’s worth of research by thousands of cloistered economic wizards whose now-accessible collective findings turn conventional financial advice on its head. Kotlikoff uses his soft heart, hard nose, dry wit, and flashing wand to cast a powerful spell, leaving you eager to accomplish what you formerly dreaded: financial planning.

    However, the techniques that you shall find in this book have been tested and used (not only by the author but by countless other people) in examinations time and again.Many techniques mentioned in other books are pretty impractical and sometimes completely unusable. This book is not a package of magic. It is rather a package of methods that if practiced and persevered with can churn up magical results! This book could be a great resource for various competitive examinations and students in middle and senior school. It could help the reader in myriad ways depending upon his or her needs and scope for practice. At the same time one could figure out as to which technique would work for one and which would not, again depending upon one’s set of circumstances and needs. By reading this book, the students will be able to:(a) learn quicker methods by observing some simple techniques;compare various techniques available on each topic;(b) know the limitations of each technique;(c) save some precious minutes in various competitive and school examinations by employing the quick calculation techniques;(d) develop their own tools in the field of quick calculations.

    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

    While modern social life can make even the best of us feel gawky, for roughly one in five of us, navigating its challenges is consistently overwhelming—an ongoing maze without an exit. Often unable to grasp social cues or master the skills and grace necessary for smooth interaction, we feel out of sync with those around us. Though individuals may recognize their awkward disposition, they rarely understand why they are like this—which makes it hard for them to know how to adjust their behavior.Psychologist and interpersonal relationship expert Ty Tashiro knows what it’s like to be awkward. Growing up, he could do math in his head and memorize the earned run averages of every National League starting pitcher. But he couldn’t pour liquids without spilling and habitually forgot to bring his glove to Little League games. In Awkward, he unpacks decades of research into human intelligence, neuroscience, personality, and sociology to help us better understand this widely shared trait. He explores its nature vs. nurture origins, considers how the awkward view the world, and delivers a welcome counterintuitive message: the same characteristics that make people socially clumsy can be harnessed to produce remarkable achievements.Interweaving the latest research with personal tales and real world examples, Awkward offers reassurance and provides valuable insights into how we can embrace our personal quirks and unique talents to harness our awesome potential—and more comfortably navigate our complex world.

    Through the stages--assess, release, cleanse, dream, discover, create, elevate, and celebrate--readers explore not only the design of their living spaces but also their own interiors: the ways they think, feel, and sense.

    The focus is on understanding why and how we sabotage our own best intentions with needless delay, and how we can reduce this procrastination in our lives. Based on psychological research, and supplemented with short stories and comics to help make the content memorable, the digest format of the book provides a concise summary of key concepts and strategies for change. You will learn about the psychology of self-regulation failure and how to more successfully achieve your goals.

    Most of us have unfinished business that might make us feel like we walk around dragging a heavy ball with a chain connected to our ankle. When you declutter and possibly downsize, you can free yourself of weighty matters that tie you down physically, mentally, emotionally, and spiritually.Lighter Living explains why you might want to simplify your home and your life. It shows you how to declutter and then organize what you keep. Finally, you are given a vision for lifelong decluttering and how it can lead to well-being and peace of mind.

    

    From diet and productivity to decorating to social interactions, they try it all, record themselves along the way, then share what they’ve learned with their devoted and growing audience of fans who tune in.In How to Be Fine, Jolenta and Kristen synthesize the lessons and insights they’ve learned and share their experiences with everyone. How to Be Fine is a thoughtful look at the books and practices that have worked, real talk on those that didn’t, and a list of philosophies they want to see explored in-depth. The topics they cover include:Getting off your deviceEngaging in positive self-talkDownsizingAdmitting you’re a liarMeditationGoing outsideGetting in touch with your emotionsSeeing a therapistBefore they began their podcast, Jolenta wanted to believe the promises of self-help books, while Kristen was very much the skeptic. They embraced their differences of opinion, hoping they’d be good for laughs and downloads. But in the years since launching the By the Book, they’ve come to realize their show is about much more than humor. In fact, reading and following each book’s advice has actually changed and improved their lives. Thanks to the show, Kristen penned the Amish romance novel she’d always joked about writing, traveled back to her past lives, and she broached some difficult conversations with her husband about their marriage. Jolenta finally memorized her husband’s phone number, began tracking her finances, and fell in love with cutting clutter.Part memoir, part prescriptive handbook, this honest, funny, and heartfelt guide is like a warm soul-baring conversation with your closest and smartest friends.

    Instead, The 12 Week Year avoids the pitfalls and low productivity of annualized thinking. This book redefines your "year" to be 12 weeks long. In 12 weeks, there just isn't enough time to get complacent, and urgency increases and intensifies. The 12 Week Year creates focus and clarity on what matters most and a sense of urgency to do it now. In the end more of the important stuff gets done and the impact on results is profound.Explains how to leverage the power of a 12-week year to drive improved results in any area of your lifeOffers a how-to book for both individuals and organizations seeking to improve their execution effectivenessAuthors are leading experts on execution and implementation Turn your organization's idea of a year on its head, and speed your journey to success.©2013 Brian P. Moran and Michael Lennington (P)2014 Audible Inc.

    "Part motivation, part road map, this book will take you there." A no-nonsense, 7-step, guide using the power of habit for self-improvement, good health, confidence and happiness.If you're ready to leave behind old habits that have been weighing you down but don't know where to begin, The Habit Fix has a big, bright arrow that points to "START HERE".If you're serious about swapping a lifetime of unhealthy habits for good, healthy habits but can't see a clear path through, The Habit Fix will guide you.Simple, Go-To Habits That Work In Your Busy Life Our habits create the framework of our lives. Changing a lifetime of habits can seem overwhelming and time consuming, but this book offers quick, go-to habits that bring immediate change, a step at time. If you think your bad habits are deeply ingrained and too powerful to overcome, this book offers 7, simple new habits that show you deep habit change is possible. It targets 7 key areas life and offers 7 highly effective habits for personal growth that have brought profound improvement and success to thousands of people like you - keystone habits that help you on your way to a healthy habit lifestyle.Don't Break Old Habits, MAKE New Habits The Habit Fix is not loaded with idealistic principles and doesn't dwell on all you've done wrong in life. We hear enough of that already! It takes the focus off that tired, old tradition of analyzing your "bad" habits and lack of motivation. It's not about the arduous task of breaking old habits but instead, embracing fresh, new, keystone habits that dissolve the old habits naturally. With 7 new keystone habits, this book offers a positive approach that avoids the trap of negative self-judgement and taps into our natural confidence and healthy self-esteem.Ideas That Work, Put to Immediate PracticeThis is a pratical guide with specific, credible information for habit building for a healthy lifestyle that can be put to use right now. It's not filled with theories, poetry and feel-good platitudes. It has real, proven tactics for building healthy habits now and direct links to trustworthy, self-improvement techniques. These are healthy lifestyle tactics that are actually effective and not just marketed effectively. Start with 7 new keystone habits in this first book of The Habit Fix Series and build on them later with The Habit Fix 2: QUICKSTEP .Keeps You On Track To Your GoalsThis book will help you create habits that last but don't require a huge amount of time and brain power. It's for those seeking deeper evolution and a vibrant, healthy sense of well-being for life-permanent healthy lifestyle habits for REAL change.Begin Today!This book offers the best resources out there - proven methods of self-development and habit-building that motivate you to get started! The habits in this book are sensible, designed for immediate action and forged from the combined wisdom of many self-help, habit building books, personal growth and development blogs, healthy lifestyle diet and exercise programs, courses in mindfulness and motivation, health trainers and meditation groups, advice from doctors, therapists and healthy lifestyle practitioners.Grab your copy now!About The Author Eileen Rose Giadone is the author of the The Habit Fix Series which became an AMAZON BEST SELLER in its first week of publication. The Habit Fix 2: Quickstep and her first children's book, Natasha The Party Crasher are also available on Amazon.

    You may find it for free on the web. Purchase of the Kindle edition includes wireless delivery.

    And in his multi-million download podcast, High Performance, he teams up with Professor Damian Hughes to examine the secrets of the world's highest-performing people.Now, Jake and Damian reveal how we can all become high performers. Drawing on interviews with leading sportspeople and entrepreneurs, they uncover the eight hidden principles that drive high performers to success: from taking absolute responsibility for their situation, to working out their non-negotiable 'trademark behaviours', to getting the very best out of their teammates. And they draw on cutting-edge psychology to reveal how to apply these principles in our day-to-day lives - whether on the pitch, in our careers, or at home.You too can harness the secrets of high performance. This book explains how.Drawing on interviews with: Ben Ainslie | Steven Bartlett | Lily Cole | Tom Daley | Rio Ferdinand | Steven Gerrard | Kelly Holmes | Steph Houghton | Chris Hoy | Eddie Jones | Kelly Jones | Siya Kolisi | Frank Lampard | Jo Malone | Matthew McConaughey | Ant Middleton | Tracey Neville | Phil Neville | Robin Van Persie | Nims Purja | Mauricio Pochettino | Jonny Wilkinson | Clive Woodward | and many more . . .

    While they’re closed, we need to nourish them.Beyond the basics of providing food and drink, restaurants fulfill a human need for connection. They’re a gathering place for family and friends, for first dates and breakups and birthdays and weddings. They’ve been there for us in good times and bad. Now it’s time for us to give back.To help support America’s restaurant industry, Penguin Random House is publishing Family Meal: Recipes from Our Community, a digital-only collection featuring 50 easy recipes from our family of food and drink authors that you can’t find anywhere else. Readers will get an exclusive look at what these culinary masters are cooking at home right now–recipes that feed, sustain, and provide connection to the world outside. From Mushroom Bolognese to Shrimp and Chorizo White Bean Stew to Chocolate Chip Olive Oil Cookies to Quarantine Wine Pairings, learn what Ina Garten, Samin Nosrat, Hugh Acheson, Dan Barber, Bobby Flay, Alison Roman, Christina Tosi, Kwame Onwuachi, Ruth Reichl, Claire Saffitz, Danny Trejo, and many others are cooking for comfort. All proceeds from Family Meal will benefit the Restaurant Workers’ Covid-19 Emergency Relief Fund, which supports on-the-ground efforts in the restaurant community during this challenging time.

    Your niece swears that no one expects thank-you letters anymore. Your father-in-law insists that married women have to take their husbands' names. Your guests plead that asking them to commit themselves to attending your party ruins the spontaneity. Who is right? Miss Manners, of course. With all those amateurs issuing unauthorized etiquette pronouncements, aren't you glad that there is a gold standard to consult about what has really changed and what has not? The freshly updated version of the classic bestseller includes the latest letters, essays, and illustrations, along with the laugh-out-loud wisdom of Miss Manners as she meets the new millennium of American misbehavior head-on. This wickedly witty guide rules on the challenges brought about by our ever-evolving society, once again proving that etiquette, far from being an optional extra, is the essential currency of a civilized world.