Unfortunately, much of the advice that is dispensed is either unsubstantiated or betrays a strong vested interest. In The Essential Retirement Guide, Frederick Vettese analyses the most fundamental questions of retirement planning and offers some startling insights. The book finds, for example that:Saving 10 percent a year is not a bad rule of thumb if you could follow it, but there will be times when you cannot do so and it might not even be advisable to try. Most people never spend more than 50 percent of their gross income on themselves before retirement; hence their retirement income target is usually much less than 70 percent. Interest rates will almost certainly stay low for the next 20 years, which will affect how much you need to save. Even in this low-interest environment, you can withdraw 5 percent or more of your retirement savings each year in retirement without running out of money. Your spending in retirement will almost certainly decline at a certain age so you may not need to save quite as much as you think. As people reach the later stages of retirement, they become less capable of managing their finances, even though they grow more confident of their ability to do so! Plan for this before it is too late. Annuities have become very expensive, but they still make sense for a host of reasons. In addition, The Essential Retirement Guide shows how you can estimate your own lifespan and helps you to understand the financial implications of long-term care. Most importantly, it reveals how you can calculate your personal wealth target - the amount of money you will need by the time you retire to live comfortably. The author uses his actuarial expertise to substantiate his findings but does so in a jargon-free way.

    His students are smart and hardworking, but they struggle with life's biggest questions, just like the rest of us. What's the formula for a life well lived? How can you have a meaningful career, not just a lucrative one? Is work/life balance really possible? What does it take to make a long-term relationship succeed?Galloway explores these and many other questions in the take-no-prisoners style that has made him a sought-after commentator and YouTube star. For example...If (Money In) - (Money Out) > 0, you're rich.The definition of "rich" is income greater than your burn rate. My dad and his wife receive about $50K/year and spend $40K. They are rich. I have friends who earn more than $1 million, but with several children in private schools, an ex-wife, a home in the Hamptons, and the lifestyle of a master of the universe, they spend nearly all of it. They are poor.Compound interest = the key to relationships.Most of us know how compound interest works with money, but don't recognize its power in other spheres. Make small investments in the people you care about, every day. Take a ton of pictures, text your friends stupid things, check in with old friends, express admiration to coworkers, and tell your loved ones that you love them. The payoff is small, until it becomes immense.Serendipity = a function of courage.My willingness to endure rejection from universities, peers, investors, and women has been hugely rewarding. Asking a VC for money is nothing compared to approaching a woman midday in a beach chair, sitting with another woman and a guy, and opening. Nothing wonderful will happen without taking a risk and subjecting yourself to rejection.Cool vacation > Cool car.Studies show people overestimate the happiness that things will bring them, and underestimate the long-term positive effect of experiences. Invest in experiences over things. Drive a Hyundai, and take your spouse to Australia.The Algebra of Happiness is perfect for any graduate, or for anyone who feels adrift.

    Indeed, American students lag behind their peers in other nations, but America remains on the leading edge economically, scientifically, technologically, and militarily. The reason for this paradox, explains Barone in this brilliant essay, is that “from ages six to eighteen Americans live mostly in what I call Soft America—the parts of our country where there is little competition and accountability. But from ages eighteen to thirty Americans live mostly in Hard America—the parts of American life subject to competition and accountability.” While Soft America coddles, Hard America plays for keeps. Educators, for example, protect children from the rigors of testing, ban dodgeball, and promote just about any student who shows up. But most adults quickly figure out that how they do depends on what they produce. Barone sweeps readers along, showing how we came to the current divide—for things weren’t always this way. In fact, no part of our society is all Hard or all Soft, and the boundary between Hard America and Soft America often moves back and forth. Barone also shows where America is headed—or should be headed. We don’t want to subject kindergartners to the rigors of the Marine Corps or leave old people uncared for. But Soft America lives off the productivity, creativity, and competence of Hard America, and we have the luxury of keeping part of our society Soft only if we keep most of it Hard.Hard America, Soft America reveals: • How the American situation is unique: In Europe, schooling is competitive and demanding, but adult life is Soft, with generous welfare benefits, short work hours, long vacations, and state pensions• How the American military has reclaimed the Hard goals and programs it abandoned in the Vietnam era• How Hardness drives America’s economy—an economy that businesses and economists nearly destroyed in the 1970s by spurning competition • How America’s schools have failed because they are bastions of Softness—but how they are finally showing signs of Hardening• The benefits of Softness: How government programs like Social Security were necessary in what was a harsh and unforgiving America• Hard America, Soft America is a stunningly original and provocative work of social commentary from one of this country’s most respected political analysts.From the Hardcover edition.

    Having run out of options, former YouTube star Dax Flame must get a job at an ice cream shop in order to make ends meet.

    Whether you are a patient struggling with miscarriages or a medical provider caring for patients with recurrent pregnancy loss, you will learn something from this resource. Dr. Shahine explains not only a typical Western medicine approach to evaluation and treatment for miscarriage but also includes Eastern approaches to care, lifestyle factors that will decrease your risk of miscarriage, and the emotional impact of recurrent pregnancy loss. You will finish this book feeling more empowered to be an advocate for your care and more hopeful than ever to continue towards your family goals. “I have one word to describe this fabulous book: FINALLY. Women with recurrent pregnancy loss have been needing this book for years.” – Dr. Alice Domar, associate professor of obstetrics, gynecology, and reproductive biology at Harvard Medical School and author of Conquering Infertility and Finding Calm for the Expectant Mom

    He is what Martin Luther King called, an apostle of peace and non-violence. He is the pioneer who brought Buddhism to the West. His key teachings are through mindfulness and how to live happily in the present. This eBook will introduce you to the Zen master who has inspired many to live in the present without regretting the past or worrying about the future. He is the epitome of peace. This eBook will guide and inspire through the life changing lessons from Thich Nhat Hanh

    Who has time for 350 pages of (boring) theory? Learn to be awesome for the price of a coffee and the time it takes to drink it. Available for PC, Mac, smartphone, tablet, Kindle or in print!The number one reason people hate their jobs is because their boss sucks. And you don't want to suck as a manager -- you want to be awesome. But how? In this upbeat, concise, and practical guide, you'll gain supervisory skills that wow in any workplace. You'll learn:- How can I motivate my team when the work gets tough? - What's a Zorro Circle? - How do I deal with that grumpy coworker? Author Tamara Murray shares dos and don'ts she picked up through years of trial and error, reading a lot of Fast Company...and having the occasional breakdown in a colleague's office. Eventually, she had people telling her she was the best manager they'd ever had. Packed with real-world tips you can put to use immediately, these seven lessons will stick with you your entire career.What readers are saying:"Like a friend giving me advice over a cup of coffee.""Unlike other management books that can be dry and boring, this is a lively and fast-paced read.""Simple, straightforward pointers on how to deal with many challenges that I have already encountered as a newbie manager."

    Beyond their bestselling books, you know them from commentary and features in the New York Times, CNN, NPR, Time, Newsweek, Wired, New York, and more. E-mail, Facebook, and Twitter accounts are filled with demands to read their reporting (such as "How Not to Talk to Your Kids," "Creativity Crisis," and "Losing Is Good for You"). In Top Dog, Bronson and Merryman again use their astonishing blend of science and storytelling to reveal what's truly in the heart of a champion. The joy of victory and the character-building agony of defeat. Testosterone and the neuroscience of mistakes. Why rivals motivate. How home field advantage gets you a raise. What teamwork really requires. It's baseball, the SAT, sales contests, and Linux. How before da Vinci and FedEx were innovators, first, they were great competitors. Olympians carry Top Dog in their gym bags. It's in briefcases of Wall Street traders and Madison Avenue madmen. Risk takers from Silicon Valley to Vegas race to implement its ideas, as educators debate it in halls of academia. Now see for yourself what this game-changing talk is all about.

    The new Professional in Human Resources (PHR) and Senior Professional in Human Resources (SPHR) exams from the Human Resources Certification Institute (HRCI) reflect the evolving industry standards for determining competence in the field of HR. This new edition of the leading PHR/SPHR Study Guide reflects those changes. Serving as an ideal resource for HR professionals who are seeking to validate their skills and knowledge, this updated edition helps those professionals prepare for these challenging exams.Features study tools that are designed to reinforce understanding of key functional areasProvides access to bonus materials, including a practice exam for the PHR as well as one for the SPHR. Also includes flashcards and ancillary PDFsAddresses key topics such as strategic management, workforce planning and employment, compensation and benefits, employee and labor relations, and Occupational Safety and Health Administration regulationsThis new edition is must-have preparation for those looking to take the PHR or SPHR certification exams in order to strengthen their resume.

    Half of all college courses are taught by adjunct faculty. The chances of an academic landing a tenure-track job seem only to shrink as student loan and credit card debts grow. What’s a frustrated would-be scholar to do? Can he really leave academia? Can a non-academic job really be rewarding—and will anyone want to hire a grad-school refugee?With “So What Are You Going to Do with That?” Susan Basalla and Maggie Debelius—Ph.D.’s themselves—answer all those questions with a resounding “Yes!” A witty, accessible guide full of concrete advice for anyone contemplating the jump from scholarship to the outside world, “So What Are You Going to Do with That?” covers topics ranging from career counseling to interview etiquette to translating skills learned in the academy into terms an employer can understand and appreciate. Packed with examples and stories from real people who have successfully made this daunting—but potentially rewarding— transition, and written with a deep understanding of both the joys and difficulties of the academic life, this fully revised and up-to-date edition will be indispensable for any graduate student or professor who has ever glanced at her CV, flipped through the want ads, and wondered, “What if?” “I will absolutely be recommending this book to our graduate students exploring their career options—I’d love to see it on the coffee tables in department lounges!”—Robin B. Wagner, former associate director for graduate career services, University of Chicago

    Explains all the ?nuts and bolts? of r?sum? creation and illustrates professional techniques with actual examples that show why the techniques work.

    Conscious Robots challenges us to face up to the reality of being human: just because we're conscious doesn't mean we're not robots. So what would we do with free will if we really had it? And how does “being a robot” explain why life, as Buddha suggested, is “inherently unsatisfactory”, despite our luxurious homes, successful careers and loving families? Conscious Robots shows why we’re so convinced that we’re in charge, when we’re really just carrying out our evolved pre-programmed instructions. And reveals the inevitable future, how one day humans will take control of their conscious minds, get happy and stay happy. But it will come too late for you, Dear Reader… so no point buying the book. Unless you’re extremely rich, of course. Then you can pay for the neurochemical research yourself. “Easy to understand and persuasive” “Reminded me of Douglas Adams and Terry Pratchett”

    Is luck a cosmic force that we can randomly stumble upon, or is there something real that people we consider lucky have discovered? The Science of Being Lucky is an in-depth look at what all lucky people have in common and how they set themselves up for success time after time.Put success into your own hands, not fate's.The Science of Being Lucky takes you on a science-based journey into what luck is, what we think it is, and how to get more of it in your life. The journey begins by breaking down and defining the lucky breaks, coincidences, and serendipitous events in our lives - then delves into the specific traits, life factors, and perspectives that create lucky outcomes.The Science of Being Lucky will open your eyes to what is behind each moment you would call lucky and give you a concrete action plan to create more of the same. Luck doesn't have to be just fantasy.Become immune to bad luck.Peter Hollins has studied psychology and peak human performance for over a dozen years and is a bestselling author. He has worked with dozens of individuals to unlock their potential and path towards success. His writing draws on his academic, coaching, and research experience. He's no stranger to bad luck, having broken the same toe three times, but he's found ways to reverse his luck and live the good life.Ditch the lucky underwear and rabbit's foot.-The human illusion of control and lucky thinking.-Popular methods for luck - do they work? (One does, one does not)-The downside of probabilities.-Avoiding bad luck internally and externally.Set yourself up for inevitable success.-Coincidence, serendipity, and other "small world" phenomenon.-Three traits that practically manufacture luck.-Max Gunther's famous "strategic luck planning" approach to life.Stack the deck in your favor and live better.The Science of Being Lucky will teach you how to turn lead into gold, a cloudy day into paradise, and your life into the stuff of movies.You will learn to create the conditions for luck and success instead of hoping for them. The more you internalize these mindsets, the luckier you'll get until your friends ask you what your secret is. The secret? It's not actually about luck."Break a leg" TODAY by scrolling up and clicking the BUY NOW button!

    If we can just find that great job, win that next promotion, lose those five pounds, happiness will follow. But recent discoveries in the field of positive psychology have shown that this formula is actually backward: Happiness fuels success, not the other way around. When we are positive, our brains become more engaged, creative, motivated, energetic, resilient, and productive at work. This isn’t just an empty mantra. This discovery has been repeatedly borne out by rigorous research in psychology and neuroscience, management studies, and the bottom lines of organizations around the globe.             In The Happiness Advantage, Shawn Achor, who spent over a decade living, researching, and lecturing at Harvard University, draws on his own research—including one of the largest studies of happiness and potential at Harvard and others at companies like UBS and KPMG—to fix this broken formula. Using stories and case studies from his work with thousands of Fortune 500 executives in 42 countries, Achor explains how we can reprogram our brains to become more positive in order to gain a competitive edge at work.             Isolating seven practical, actionable principles that have been tried and tested everywhere from classrooms to boardrooms, stretching from Argentina to Zimbabwe, he shows us how we can capitalize on the Happiness Advantage to improve our performance and maximize our potential. Among the principles he outlines:      • The Tetris Effect: how to retrain our brains to spot patterns of possibility, so we can see—and seize—opportunities wherever we look.    • The Zorro Circle: how to channel our efforts on small, manageable goals, to gain the leverage to gradually conquer bigger and bigger ones.    • Social Investment: how to reap the dividends of investing in one of the greatest predictors of success and happiness—our social support network  A must-read for everyone trying to excel in a world of increasing workloads, stress, and negativity, The Happiness Advantage isn’t only about how to become happier at work. It’s about how to reap the benefits of a happier and more positive mind-set to achieve the extraordinary in our work and in our lives.From the Hardcover edition.

    It may feel as if your world has shifted on its axis, and you'll never get your bearings. Navigating your way through the morass of doctors, medical terms, and the healthcare system can be daunting, especially when you want only what's best for the person you love. Dr. John Cassidy has devoted the past twenty-five years to helping families cope with traumatic brain injury; Mindstorms is his compassionate, comprehensive manual to demystifying this often frightening and life-changing condition. More than 6.3 million Americans live with a severe disability caused by a traumatic brain injury. In fact, because it's so commonplace, but little talked of, TBI is often referred to as the "silent epidemic." In these pages, Dr. Cassidy walks you through the different types of brain injury; explodes the common myths surrounding it; demonstrates the ways in which TBI may affect memory, behavior, and social interaction; explores the newest options in treatment and rehabilitation; and shows you how to hold on to your own sense of self as you journey through. Along with the practical information you'll need, Mindstorms offers a constellation of instructive, moving stories from families and patients who are slowly, but surely, finding their way back. Their experiences are sure to inspire you and yours.