Get: * Debt reduction tips that you'll never learn from VISA. * Real estate solutions the bank will never offer. * Wall Street secrets your broker never tells you. * Energy saving tips worth thousands of dollars each year off of your bills As TD AMERITRADE chairman Joe Moglia says, "College students need this information before they get their first credit card. Young adults need it before they buy their first home. Empty nesters can use the information to downsize to a sustainable lifestyle, before they get into trouble." Stop making everybody else rich and start scoring assets, gains and savings for yourself.

    Find all of the following, explained in plain-English: How your Social Security retirement benefits, spousal benefits, and widow/widower benefits are calculated How your benefits are affected if you have a government pension or if you continue working while claiming Social Security How to decide when is the best age for you (and your spouse, if you're married) to claim Social Security in order to get the most out of your benefits Whether or not it makes sense to take Social Security early in order to invest the money How to check your earnings record on the Social Security Administration's website to make sure you're getting the full benefit you deserve How Social Security benefits are taxed and how this affects retirement tax planning Please note that this book does not cover Social Security disability benefits or Supplemental Security Income (SSI).

    It contains meticulous trail descriptions that range from comfortable strolls for families to difficult treks for those looking for a challenging workout. Extensive key-at-a-glance information makes it easier to choose a hike based on length, difficulty, or scenery. A helpful list of hikes in the front of the book highlights those with special interests — best hikes for children, scenic hikes, hikes good for wildlife viewing, best hikes for runners, and more. Each hike report includes commentary on trailside geology, flowers, and wildlife. Historical notes provide fascinating details about early miners, trailblazers, the Pony Express, and Mormon pioneers. Whether lacing up boots, stepping into sneakers or strapping on snowshoes, Salt Lake City is a premier destination for outdoor adventure.

    Popular author Rabbi Daniel Lapin digs into the "holy" Hebrew language -- which not only conveys data but, as linguists know, also contains it. On a fascinating treasure hunt, his book decodes eternal wisdom embedded in the ancient tongue on relationships, human pleasure, life's meaning, and more. With real-life anecdotes, drawn from his lifetime in the rabbinate, the author uncovers a wealth of insights intended for our enrichment and enjoyment. A practical, easy read which will fascinate, entertain, and instruct us in the awesomeness of the Lord's language.

    You've reached major milestones and accumulated more assets than you dreamed possible, and yet you hesitate. “Can I retire?” This book will help answer that question by showing you…. The tools you need to live a secure and independent retirement, without worrying about money What you must know before leaving a career behind How much it will cost you to live in retirement, and how to manage your cash flow The current choices for retirement health care, including lesser-known but effective options The threat from inflation: two secrets that politicians and bankers will never admit A realistic assessment of the impact that income taxes will have on your retirement Social Security’s role in your retirement: when you should claim and how much it’s worth to you How to construct and manage an investment portfolio for income and growth in retirement About immediate annuities and why you need multiple sources of retirement income The key variables and unknowns in your retirement withdrawal equation Reviews of the best retirement calculators, and tips for how to use them accurately Beyond the simplistic 4% Rule to the latest research on safe withdrawal rates Realistic bracketing of your retirement savings needs, without over caution or overconfidence The history of economic cycles and the related asset classes for optimal retirement security A survey of strategies plus original research for how to orchestrate your retirement distributions A practical retirement fuel gauge alerting you to problems while you still have time to act Backup plans: the lifeboat strategies for ensuring you'll never be without essential income The 6 crucial questions to answer before you can retire The one, simple, powerful, non-financial reason that you can and should retire earlier than later

     If you’re tired of the same old sales scripts or if you’ve done away with them all together, I know how you feel because I’ve been there. I was tired of seeing the same B.S.(bad sales) approaches and I wanted something that felt more natural for me. So I started creating my own scripts, for the simple reason that I hated being told, “No.” For me nothing was worse than that feeling of rejection. I was determined to figure out the perfect thing to say in every situation, and how to say it in a way that would cause sellers and buyers to want to say “Yes!” to me every time. This book is the result of that quest. And I’ve broken it in two unique parts so you can spend less time reading it, and more time using the life changing scripts inside. Part 1 will give you the foundation for making the scripts work for you. Not just some of the time, but every time! You’ll master how to inspire sellers to say “YES” to you giving you the magic key to unlock the success you want as a real estate agent. Part 2 Is the actual scripts that allow you to have smooth, choreographed conversations that lead you down the path to more success and more income. included in this section are… Prospecting Scripts for sellers that lead up to the listing appointment. My Unique Listing Presentation Scripts with examples of exactly how to deliver them for maximum impact. The Buyer Scripts that I’ve personally used for years to build my own real estate business from scratch. The Objection Scripts that will show you how to overcome any objection with ease and never be scrambling for words when a client throws you a curveball. In all there are 27 scripts in this book that will show you how to handle any situation, conversation, and objection that might come your way. And each script has been tested, tweaked and perfected. How do I know this? Because I’ve used each and every one of them to close millions of dollars worth of real estate in my nearly 2 decade career. I’ve also taken the time to include things I’ve picked up over my career that will help take you beyond the scripts… How to identify resistance and influence triggers so you can naturally use the right words and phrases that gets more clients saying YES to you. My practice techniques for memorizing and using these scripts to their full impact. You won’t just be pulling words from your memory, you’ll be speaking from the heart so you come across as genuine. The “tiny tweaks” that turn a regular script into something powerful. These seemingly little differences can have a huge impact in the way a prospect or client responds to what you say. The 9 Keys to more powerful conversations that go way beyond just the words you say to a client. I’ve mastered all 9 of these techniques and each one has made a huge difference in how I present myself to clients. The Book of YES is an action guide, not a book of theory. Think of it as YOUR PLAY BOOK for the key conversations you have with sellers and buyers.

     Approaching or beginning retirement is a milestone event. For most of our lives retirement feels like it’s on the distant horizon, something to think about tomorrow rather than today. When the day finally does arrive, for many it can feel a little daunting and overwhelming – how should one spend all this new found free time? Olivia Greenwell has the answers, with friendly advice on: How to navigate your way through the questions you may have New opportunities that could present themselves in retirement How to find further information on the exciting opportunities presented As you experience the wonderful peace and contentment of retirement, this book will help you discover what makes you happy, and how to enjoy your life to the fullest. What are you waiting for? Start living the retirement you always dreamt of, by uncovering all the tools you need today!

    The ubiquitous images of rich men on super-yachts sipping Martinis only help cement this image. This book hopes to change all that. Rick and Jasna’s recent appearance on Ben Fogle’s New Lives in the Wild chronicled their budget lifestyle and adventures aboard Calypso, and introduced the idea of budget sailing to a whole new audience – an audience who may have never considered the possibility that such a dream could be made a reality, on such a small amount of money. This book is for them and for any experienced sailors who want to cast off the yoke of consumerist yachting and get back to what really matters at sea. If you are not rich, but dream of seeing our beautiful world from the deck of your own boat, this book is packed full of practical and spiritual advice to help you cut through the endless marketing and identify what it is you truly need to become a modern sea gypsy and sail away on the greatest adventure of your life…

    Diana carried three poignant messages on her way across this stretch of shark-infested waters, and she spoke them to the crowd in her moment of final triumph: 1.   Never, ever give up. 2.   You’re never too old to chase your dreams. 3.   It looks like a solitary sport, but  it’s a Team. Millions of people around the world cheered this maverick on, moved by her undeniable tenacity to be the first to make the historic crossing without the aid of a shark cage. At the end of her magnificent journey, after thirty-five years and four crushing failures, the public found hope in Diana’s perseverance. They were inspired by her mantra—find a way—that led her to realize a dream in her sixties that had eluded her as a young champion in peak form.In Find a Way, Diana engages us with a unique, passionate story of this heroic adventure and the extraordinary life experiences that have served to carve her unwavering spirit. Diana was a world champion in her twenties, setting the record for swimming around Manhattan Island, along with other ocean-swim achievements, all of which rendered her a star at the time. Back then, she made the first attempt at the Mount Everest of swims, the Cuba Swim, but after forty-two hours and seventy-nine miles she was blown desperately off course. Her dream unfulfilled, she didn’t swim another stroke for three decades.Why, at sixty-four, was she able to achieve what she could not at thirty? How did her dramatic failures push her to success? What inner resources did Diana draw on during her long days and nights of training, and how did the power of the human spirit trump both the limitations of the body and the forces of nature across this vast, dangerous wilderness? This is the gripping story of an athlete, of a hero, of a bold mind. This is a galvanizing meditation on facing fears, engaging in our lives full throttle, and living each day with no regrets.

    We need a fresh understanding of the meaning of success. What do Condoleezza Rice, Joe Torre, Bill Gates, Goldie Hawn, Mary Hart, Garry Kasparov, and Jack Welch have in common? All have talked at length with Maria Bartiromo about business, the world and their surprising, inspiring and uncommon ideas about the meaning of success. Their stories, those of an extraordinary range of other people from all walks of life, and Maria Bartiromo’s personal insights are the foundation of The 10 Laws of Enduring Success. It is the guide for the extraordinary times we are living through.  During bullish, optimistic periods, people seem to ride an upward wave with ease and confidence. The tangible evidence is right there for all to see--in their jobs, bank accounts, homes, families, and the admiration of their peers. But it is a fact of life that success, once earned, is not necessarily there to stay. If ever there was a cautionary tale about the fleeting nature of success, it is the events of recent years.     But a funny thing happened. Faced with gut-wrenching realities, many people have started to re-evaluate the meaning of success in less superficial and impermanent ways. They're asking themselves hard questions that havelong been ignored:  about what's really important to them, and where the bedrock of their personal achievement lies.     As Maria Bartiromo watched the financial drama from her front-row seat at the New York Stock Exchange, she began to re-assess the meaning of success--not just as one-off achievements, but as a durable, lifelong pursuit. Is there, she wondered, a definition of success that you can have permanently--in spite of the turmoil in your life, your job, or your bank account? This question is more important than ever, given the unpredictability of the current economy. --What are the intangibles that can't be measured or counted? --What are the qualities that aren't reflected in your title or on your business card?--And more practically, how can you remain successful even when the worst things happen to you? --Is it possible to build success from failure? It's lonely at the bottom of the heap, when your BlackBerry stops buzzing, and the world moves on without you.  Everyone wants to be close to success, and to have success. But what is success? How do you get it, and how do you keep it? As Maria interviewed some of the most successful people in the world, she felt the need to answer these questions: what makes these success stories tick? How did they achieve such leadership and power and how can one hold onto it, once you get it. What are the barriers to success and what is the bedrock to enduring success? From the Hardcover edition.

    Combining the best elements of The Perfect Storm (W.W. Norton, 1997) and Barbarians at the Gate (HarperCollins, 1990), "The Proving Ground" is a gripping narrative that follows the fates of three yachts, including Sayonara, owned by Larry Ellison, the founder of Oracle. From the chilling explanation of how an Olympic sailor came to be catapulted from a yacht and why its crew could do nothing to save him, to the dramatic journeys of two leaky life-rafts, "The Proving Ground" is an exhilarating read.

    A Race Too Far is the story of how the race unfolded, and how it became a tragedy for many involved.Of the nine sailors who started the race, four realised the madness of the undertaking and pulled out within weeks. The remaining five each have their own remarkable story. Chay Blyth, fresh from rowing the Atlantic with John Ridgway, had no sailing experience but managed to sail round the Cape of Good Hope before retiring. Nigel Tetley sank whilst in the lead with 1,100 nautical miles to go, surviving but dying in tragic circumstances two years later. Donald Crowhurst began showing signs of mental illness and tried to fake a round the world voyage. His boat was discovered adrift in an apparent suicide, but his body was never found. Bernard Moitessier abandoned the race whilst in a strong position and carried on to Tahiti, where he settled and fathered a child by a local woman despite having a wife and family in Paris. Robin Knox-Johnston was the only one to complete the race.It has undoubtedly become the most legendary of modern stories of men pitting themselves against the sea. Forty years on, Chris Eakin recreates the drama of the epic race, talking to all those touched by the tragedies surrounding the Golden Globe: the survivors, the widows and the children of those who died. It is a book that both evokes the primary wonder of the adventure itself and reflects on what it has come to mean to both those involved and the rest of us in the forty years since.

    When she swaps life as she knows it for an uncertain future on a sailboat, she succumbs to seasickness and a growing desire to be alone.Guided by impulsiveness and the joys of an alternative lifestyle, she must navigate personal storms, trouble with US immigration, adverse weather conditions, and doubts about her newfound love.Does Liesbet find happiness? Will the dogs outlast the man? Or is this just another reality check on a dream to live at sea?

    Incorporated in the textbook are useful illustrations and exceptional photographs of complex sailing concepts. There are also quizzes at the end of each chapter, and a glossary to help those new to sailing to navigate their way through the extensive nautical terminology.

    It was 1982 and all the women could see was a succession of drab, bulky suitcases being lugged through the terminal. When they returned home to Indiana, Barbara and her business partner got out a few Simplicity patterns and a Singer sewing machine and set to work. That first year Vera Bradley sold $10,000 worth of their colorful quilted bags. Today, the company has revenue of over half a billion dollars.Barbara Bradley has a message for women: stop second guessing yourself. Your moment of reinvention is right around the corner. Your potential is endless. It’s never too late—or too early—to redesign your work and life and start again. Whatever it is you’re inspired to do, you can build on what you already know, learn something new, and then go for it!In this book, Barbara Bradley shares the values that help her to thrive in business, health, relationships...and in every aspect of her personal and professional life. They include:Following your strengths / Acknowledging passion as a magic ingredient / Making a friend wherever you go / Being fussy; noticing every detail / Keeping the F in Fun / Making your own luck / Creating a home wherever you go / Leaning on your sisters / And remembering always—there’s enough for everyone.