The mistakes people make with their money are basic, and avoidable, and unless you understand what they are, you're probably going to repeat them. What you need is someone who can shed light on the obstacles we face and show you how to avoid getting tripped up by them.Financially Stupid People Are Everywhere shows how society is rigged to take as much of your wealth as possible, and simple ways you can resist. It investigates, explains, and offers advice for all those who have fallen into debt, taken a second mortgage, been trapped by credit cards, or found themselves unable to get ahead.Discusses what you can do to stop the destructive cycle of borrowing and spending Illustrates the four major tenets of getting money right Highlights how to avoid the many ways that government, banks, and big business try to trap you with debt To secure your financial future, you must break the dangerous cycle of borrowing and spending, and learn how to guard your wealth against corporate ploys. Financially Stupid People Are Everywhere leads you down the only proven path to financial freedom.

    Featuring programs and resources available throughout the U.S. and Canada"An authoritative and comprehensive overview of the benefits of energy-efficient homes." ---Kirkus ReviewsLive in a Home that Pays You Back lights the way for enjoying a home that is healthier, more comfortable, saves money, and reduces your carbon footprint. Whether you are planning to build, buy, or retrofit a home, award-winning author Anna DeSimone takes you on a virtual tour through the home of the future. A practical reference guide that can be used for years to come, this illuminating book uncovers every part and parcel of the sustainable home, with precise explanations and infographics, plus hundreds of resources for further exploration. You'll have fun exploring the world of renewable energy, such as solar photovoltaics, wind power, geothermal energy, hydro-electric power, and biomass fuels. You'll learn how "positive energy" puts money in your pocket through incentives such as net metering, net billing or renewable energy certificates--a tradeable commodity with cash value.This eye-opening book takes a look at the health benefits of living in an energy-efficient home, and includes guidance about water safety, biological pollutants and environmental toxins. Everything you need to know about energy scores, building certifications, and the home building options for net zero, net zero ready, passive homes, pre-fab, modular, log and timber, and more. Mortgage financing chapter covers down payment assistance, national energy-efficient loan programs, borrower qualification incentives, and how to roll in the cost of an energy retrofit into your mortgage.The path to zero can be taken in small steps. This book prepares you and your household to make informed decisions for implementing energy-efficient technologies according to your needs and budget. And you'll enjoy many kinds of payback, every step of the way.Book includes a directory of rebates and incentives by Canadian province and U.S. state. Available in paperback and e-book.

    Take the initiative to read and implement Art's rational principles and you will sell much more and develop a prospect base of potential customers who will call you when they are ready to purchase or graciously take your future calls. This is THE BEST sales text I have read in the past twenty years."--REX CASWELL, PhD, VP, LexisNexis Telephone Sales"You get only one chance to make the right impression in sales. If a top prospect gets a hundred calls a week, you want to be the one he remembers and buys from. Art's proven methods create a unique brand for you and position your offering as the best option. Art's advice isn't just smart, it's priceless."--BOB SILVY, VP, Corporate Marketing, American City Business Journals"Smart Calling effectively enables inside sales reps and organizations to accomplish a top priority--acquiring new customers. Art's pragmatic and actionable techniques will increase productivity, success, and professional satisfaction."--BILL McALISTER, SVP, Inside Sales, McAfee"A must-read, must-own book for anyone who wants to increase their sales right away with less effort and more fun. I'm so sure this book is a winner for anyone who needs to call prospects that I'll personally assure you that your results will increase noticeably after reading it, or I'll send you your money back."--MIKE FAITH, CEO & President, Headsets.com, Inc."If you need to make a first call to anyone, for whatever reason, this book is for you. More than common sense, it's a real-world, no-fluff, simple approach that anyone can use to be successful."--DARCI MAENPA, President, West Coast Chapter, American Teleservices Association; Director, Member Support, Toastmasters International

    Thus, when the time comes to sell, buyers aren't confident that the company-even if it's profitable-can stand on its own. To illustrate this, Warrillow introduces us to a fictional small business owner named Alex who is struggling to sell his advertising agency. Alex turns to Ted, an entrepreneur and old family friend, who encourages Alex to pursue three criteria to make his business sellable: * Teachable: focus on products and services that you can teach employees to deliver. * Valuable: avoid price wars by specialising in doing one thing better than anyone else. * Repeatable: generate recurring revenue by engineering products that customers have to repurchase often.

    And if someone like me can become rich, then so can you - no matter what your present circumstances. Here is how I did it and what I learned along the way.' So writes Felix Dennis, who believes that almost anyone of reasonable intelligence can become rich, given sufficient motivation and application. How To Get Rich is a distillation of his business wisdom. Primarily concerned with the step-by-step creation of wealth, it ruthlessly dissects the business failures and financial triumphs of 'a South London lad who became rich virtually by accident'. Part manual, part memoir, part primer, this book is a template for those who are willing to stare down failure and transform their lives.Canny, infuriating, cynical and generous by turns, How To Get Rich is an invaluable guide to 'the surprisingly simple art of collecting money which already has your name on it'.

    Previous budgeting methods haven't worked because they weren't designed by you or for you. Love's original strategies will help you define your goals and achieve them on your own terms. You will learn foundational practices such as:- How to harness your emotions to make authentic money decisions, instead of letting your emotions control you - How to create a budget based on what you need to spend, not what you think you should be spending - How to create a motivating debt pay-off plan that fits your life, not a plan that's too strict to succeedLove knows this better than anyone because she's lived it. Only a few years ago, she struggled to pay her $77,000 dollar debts down while making $24,000 per year as a single mom. Every financial plan she tried failed, so she made one that prioritized her family and her sanity. Today, she's living debt-free in her dream home, which she paid for in cash, and spends stress-free time with her son every day.Love has motivated millions of women to get in control of their financial futures. Her revolutionary yet practical and accessible approach will unlock the secrets of financial fulfillment so you never have to sweat living your best life ever again.

     The power of glitzy advertising and elaborate marketing campaigns is on the wane; word- of-mouth referrals are what drive business today. People trust the recommendation of a friend, family member, colleague, or even stranger with similar tastes over anything thrust at them by a faceless company. Most business owners believe that whether customers refer them is entirely out of their hands. But science shows that people can't help recommending products and services to their friends-it's an instinct wired deep in the brain. And smart businesses can tap into that hardwired desire. Marketing expert John Jantsch offers practical techniques for harnessing the power of referrals to ensure a steady flow of new customers. Keep those customers happy, and they will refer your business to even more customers. Some of Jantsch's strategies include: -Talk with your customers, not at them. Thanks to social networking sites, companies of any size have the opportunity to engage with their customers on their home turf as never before-but the key is listening. -The sales team is the most important part of your marketing team. Salespeople are the company's main link to customers, who are the main source of referrals. Getting them on board with your referral strategy is critical. -Educate your customers. Referrals are only helpful if they're given to the right people. Educate your customers about whom they should be talking to. The secret to generating referrals lies in understanding the "Customer Referral Cycle"-the way customers refer others to your company who, in turn, generate even more referrals. Businesses can ensure a healthy referral cycle by moving customers and prospects along the path of Know, Like, Trust, Try, Buy, Repeat, and Refer. If everyone in an organization keeps this sequence in mind, Jantsch argues, your business will generate referrals like a well-oiled machine. This practical, smart, and original guide is essential reading for any company looking to grow without a fat marketing budget.

    But a young German soon helps her to forget her sorrows. Until, with war looming, he must return home and Gaynor is left heartbroken once more. And when her parents discover she's pregnant and insist she cannot keep the child, Gaynor runs away to Cardiff. Penniless and alone in a strange city she is forced to give birth in the workhouse. But shortly afterwards she is taken in by a friendly Spanish family who care for her and little Sara. And she quickly falls for the charms of the eldest son. But just when she thought she'd found love and a chance of happiness at last, a telegram shatters her dreams...

    As a small-business owner, financial statements are your most important tools--and if you don't know how to read them and understand their implications, you cannot possibly steer your business successfully. Accounting for the Numberphobic demystifies your company's financial dashboard: the Net Income Statement, Cash Flow Statement, and Balance Sheet. The book explains in plain English how each measurement reflects the overall health of your business--and impacts your decisions. You will discover: * How your Net Income Statement is the key to growing your profits * How to identify the break-even point that means your business is self-sustaining * Real-world advice on measuring and increasing cash flow * What the Balance Sheet reveals about your company's worth * And more Illustrated with case studies and packed with practical action steps, this indispensable guide will put your business on the path to profitability in no time.

    Four NYU undergrads wanted to build a social network that would allow users to control their personal data, instead of surrendering it to big businesses like Facebook. They called it Diaspora. In days, they raised $200,000, and reporters, venture capitalists, and the digital community’s most legendary figureswere soon monitoring their progress. Max dreamed of being a CEO. Ilya was the idealist. Dan coded like a pro, and Rafi tried to keep them all on track. But as the months passed and the money ran out, the Diaspora Four fell victim to errors, bad decisions, and their own hubris. In November 2011, Ilya committed suicide.Diaspora has been tech news since day one, but the story reaches far beyond Silicon Valley to the now urgent issues about the future of the Internet. With the cooperation of the surviving partners, New York Times bestselling author Jim Dwyer tells a riveting story of four ambitious and naÏve young men who tried to rebottle the genie of personal privacy—and paid the ultimate price.

    These 100 eye-opening ways to create wealth are drawn from the author's successful careers, with many touching personal stories as well as stories and examples from the hundreds of clients these master coaches have advised. This book is chock full of ways to make money, deepen life's pleasure, increase personal wage-earning power and start fresh entrepreneurial ideas right at home. Written for the age of the home-business entrepreneur, the book appeals to everyone from company CEOs, to life coaches, to stay at home moms, to internet fans to people who are simply thinking of converting that hobby into wealth. This is the deepest and most penetrating study yet of the psychology of prosperity, and the action steps necessary to produce wealth.

     Emily Atack was flung to fame at just 17, as Charlotte 'Big Jugs' Hinchcliffe in The Inbetweeners. Nearly ten years later, she won over the nation on I'm a Celebrity . . . Get Me out of Here! thanks to her hilarious impersonations and epic bravery during trials. While she was in the jungle, the country watched her go on a journey of self-acceptance and come out on top. Now Emily reveals the hilarious highs and the heartbreakinglows that rocked the years between. With astonishing courage and her trademark humour, she shares stories about her family, relationships, work life and love.Are We There Yet? is a warm, honest and funny book for anyone who has ever felt the need to break the mould to find out who they really are.

    Strapped-for-cash beginnings motivated her to strive for abundance and financial independence-goals she exceeded by age thirty as the founder of a multimillion-dollar business.Now she reveals the lessons she learned and the savvy strategies of other amazing women like designer Diane von Furstenberg and Congresswoman Marsha Blackburn. She shows how to: Say Yes to Yourself: Turn toward people and situations that enhance your well-being, and away from those that don't. Fall in Love with Your Money: When you treat your money with respect, keep track of it, and spend and save wisely, your money will always love you back. Act as If: Start your transformation by acting as if you already are as successful, intelligent, and prosperous as you want to be.

    Is it because they do seem such regular people in the daylight? Or perhaps it is simply because it is hard to fathom how someone can cross that ever-present line of what is right and what is most horribly wrong.One of the most unusual cases in this book surrounds the murders of several women in Canada by a totally unique method, which may surprise you. Another, the story of Robert Hansen will terrify you. And the cases of the Atlanta Child Murderer and the Ogre of the Ardennes will sicken you to the core. But, once you start reading this book, it will be extremely hard for your curious mind to stop.

    Alex Rodriguez. Tobey Maguire. Ben Affleck. Matt Damon. John Cassavetes.   What do these people have in common? Not just fame and fortune; all these men are also alumni of the ultra-exclusive, high-stakes poker ring that inspired Aaron Sorkin’s Oscar-nominated film, Molly’s Game.   But Houston Curtis, the card shark who co-founded the game with Tobey Maguire, knows that Sorkin’s is the whitewashed version. In Billion Dollar Hollywood Heist, Curtis goes all-in, revealing the true story behind the game. From its origins with Maguire to staking DiCaprio’s first game, installing Molly Bloom, avoiding the hookers and blow down the hall, and weathering the FBI investigation that left Curtis with a lien on his house, this is the no-holds-barred account of the world’s most exclusive Texas Hold ’Em game from the man who started it—with all the names and salacious details that Molly’s Game left out.   With the insider appeal of Rounders, more A-listers than Ocean’s 11, and the excitement of The Sting, Billion Dollar Hollywood Heist is the untold, insider’s story that makes Molly’s Game look tame.