Despite a well-paying job, the author had managed to spend everything he had earned in the five years after college. The meeting with the mortgage officer was his financial epiphany. He finally got serious about managing and investing his money. Now in his early 50s, the author is debt free, owns a house free and clear, and has built a retirement portfolio that will comfortably sustain him and his wife in the coming years. This book will help people avoid the financial mistakes the author made the first few years after college.In a breezy, humorous, and conversational style, it describes a common-sense approach to spending, saving, investing, and managing your money to build wealth over time. If you are looking to get a grip on managing your money, From Ramen to Riches is for you! Silver medal winner in the 2011 Living Now Book Awards. Finalist in the 2011 Next Generation Indie Book Awards.

    

    It provides proven strategies for finding greater savings in every room of your home. With sensible and cost-effective solutions, this book will assist you in:• Saving money• Caring for your home for less• Running an affordable home• Organizing your home• Decorating on a dime• Preparing inexpensive meals• Trimming utility costs• Freeing up resources• And much more!In short, this book will make you a pro at keeping your home comfortable for less.

    It not only dictates whether you get credit: it can dictate how much you'll pay for it. What's more, it's being used by insurers, employers, and others who can determine your financial future. A bad score can cost you tens of thousands of dollars in higher interest costs, bigger insurance premiums, and missed employment opportunities. Now, MSNBC/L.A. Times personal finance journalist Liz Pulliam Weston rips away the mystery surrounding credit scoring and tells you exactly what you need to do to build, rebuild, and maintain your good credit in the second edition of Your Credit Score.

    Covey, RESUMES ARE DEAD is not for the faint of heart. This ebook tackles one of life's most compelling choices: money or meaning? The audio is relevant, timely and career-critical. Learn how to design a career that supports your quest for both money and meaning—providing you the freedom to pursue your dreams and live your ideal lifestyle.This is career development reworked, unconventional and results-driven. Whether you're retired, in the middle of your career, fresh out of college, or have been hit hard by economic crisis, RESUMES ARE DEAD is chock-full of powerful, raw principles that will help you find your footing, contribute to the world in meaningful ways, and simultaneously create your ideal lifestyle.“My verdict: SHEER GENIUS! I love it, I think it’s brilliant, I think it’s bold and courageous, I think it will help people out everywhere.”—Stephen M.R. Covey, author of The New York Times bestseller, The Speed of Trust“Richie hits the nail on the head in the pursuit of dreams. We cannot sit back and wait for life to serve up opportunities, but rather we must create our value and contribute in a powerful way.”—Kenny Anderson, author of Common Denominators for Success“Can I just say WOOOOOOOOOOOW!!! I’m just moved and on fire right now. Very relevant and timely message for our days (and for everyone)!”—Juri Widiger, Brussels, Belgium“This is a great book at so many levels. If you are looking to find your own direction or just need the motivation to move forward, Richie’s book can help. I found it empowering as an employer as well. I want the employees Richie describes in this book, and it helps me to recognize what I need to do to attract and keep those kinds of employees.”—Jeff Heggie, CEO, Kodiak Mountain Stone, Canada“This turned my brain upside-down—in the best way possible!”—Rachel DeVault, photographer, mother, wife, Texas“This really helps me get off my retirement rocking chair and want to do something meaningful for myself and others around me.”—Andy Macatiag, adjunct professor, Chaminade University, Hawaii1st message: “Love the e-book. Thank you for taking the leap and inspiring me. I’m just so grateful for your book! It gave me some meaningful direction.”2nd message: “Richie, I’m headed to an interview tomorrow. I’m beyond stoked and appreciate your e-book. I read it again and it got me pumped. I’ll let you know how it turns out. Thank you, sir.”3rd message: “Dude. I got the job. Thank you for your inspiration!”—Adam Buchanan, Portland, Oregon1st message: “I should NOT have read this just before going to bed last night. I felt so empowered after I read it and I had a million ideas going through my head. Amazing experience, but a little rough on the sleep department.”2nd message: “When I read the book I was stuck in a rut. After reading your book, changes came immediately. I found an internship with a major opera company, introduced myself and was hired within a week. Life is different. Your book gave me the key to a door to the world that I had been staring at my entire life, but I didn’t know how to open.”—Olivia Biddle, Adjunct Professor of Voice and Music

    There are no magic formulas, shortcuts, or secret sauce. The 7-rules, or 3 steps, or 12 laws that promise to change your life - they won’t help, unless you do the work. You will learn from many, yet the most important steps, you need to take on your own. Over the course of your adult life it is always you, who has the most power. You will not always be in control and nobody is. But you can choose to maximize your effect on this planet, on your loved ones and on your personal fulfillment by building an Excellence Habit. The Excellence Habit also examines the distinction between success and excellence. Success is achieving high goals. Excellence is doing the right thing, even when not driving towards any goal. It is a small mindset shift, which will produce big results. Excellence can and will lead to success. Success, on the other hand, can be the biggest enemy of excellence. More often than not success is measured in social influence, recognition and wealth. For those practicing it faithfully - excellence is its own biggest reward.

    Your Ultimate Guide to Effortless Style", Natalie Jobity, a professional image consultant, shares with women tips, insider secrets and advice they can use immediately to learn how to dress to enhance their image so they look and feel amazing, inside and out. “Frumpy to Fabulous: Flaunting It” has step-by-step guidance on all the topics you care about: dressing to flatter your figure; determining your personal style; shopping smarter so you fill your closet with the right pieces; working with color; pulling your look together with accessories; dressing to elevate your image at work; and much more. As you read each chapter, Natalie's friendly, engaging, voice empowers you to unleash your style potential and encourages you to dare to express your fabulous. With illustrations showcasing “real” women, summarized tip lists (finding the right jeans, picking a cocktail dress and much more!), exercises and anecdotes based on Natalie's work with hundreds of women, this is a book that you will cherish and refer to time and time again. As you read, you will realize that you are in the midst of more than an image makeover. You are really being taken on a journey of transformation-- a wonderful and exhilarating experience that helps you tap into your true essence and express it by the way you dress. Natalie dishes her advice and wisdom in a down to earth and practical manner that is delivered with motivation and sass. She lets her book lead the way for the woman who is ready for her image to catch up with the rest of her life. This book is an invitation to change how the world sees you and how you see yourself, on your terms. Yes, you too can become one of those effortlessly stylish women you admire. Wherever you are on your image journey-from fashion challenged to emerging fashionista-with Natalie as your guide you will be inspired to "Flaunt It!"

    She shows how to build a workforce that’s positive, committed, passionate...how to really motivate people, even on a tight budget...how to lead with authenticity, clarity, consistency, and inspiration. These skills offer powerful, quantifiable business value. They are completely learnable--and this book is the fastest way to master them. It distills the world’s best thinking on getting the best from people: the truth, and nothing but the truth!

    Fred must cleverly convince and enlist key players, such as Louis, the head penguin; Alice, the number two bird; the intractable NoNo the weather expert; and a passle of school-age penguins if he is to save the colony.Their delightfully told journey illuminates in an unforgettable way how to manage the necessary change that surrounds us all. Simple explanatory material following the fable enhances the lasting value of these lessons.Our Iceberg Is Melting is at once charming, accessible and profound; a treat for virtually any reader.

    It demands that you stop waiting for a road map and start drawing one instead. You know how to do this, you’ve done it before, but along the way, someone talked you out of it.We need your insight and your dreams and your contributions. Hurry.

    Cuts corners. Tells lies. Maybe it was different once. Not today. If you want to succeed in this economic climate, you simply have to make compromises. Right? Wrong. You can succeed at the highest levels, without sacrificing the principles that make life worth living. The proof? You're holding it. Jon M. Huntsman built a $12 billion company from scratch, the old-fashioned way: with integrity. There were short-term costs and difficult decisions. There were tough times. Times just like today. But ultimately, leading with integrity wasn't just personally right for Huntsman, it also proved to be the best business strategy. In Winners Never Cheat, Huntsman tells you how he did it, and how you can, too. This book is about remembering why you work, and why you were chosen to lead. It's about finding the bravery to act on what you know is right, no matter what you're up against. It's about winning. The right way. Think about the kind of person you want to do business with. Then, be that person--and use this book to get you there. Author royalties from this book go to the Huntsman Cancer Foundation "The way Jon conducts his business and lives his life will not only inspire you to be a better person, citizen, and entrepreneur, it also will give you hope that the good guys don't finish last." Glenn Beck Jon Huntsman is a different breed. He believes business is a creative endeavor, similar to a theater production, wherein integrity must be the central character. Larry King, CNN Jon Huntsman's own life and personal values lend credence to his words. He walks his ethical talk. Neil Cavuto, Fox News This book could put me out of business. Nobody would be happier about it than me. Wayne Reaud, Trial Attorney.

    Discover the core skills of effective thinking; then analyze your own thought processes, identify weaknesses, and overcome them. Learn how to translate more effective thinking into better decisions, less frustration, more wealth Ñ and above all, greater confidence to pursue and achieve your most important goals in life.

    Arm yourself with these 50 secret rules, and get to the top without breaking a sweat. * Hot book -- 55,000 copies sold in the UK, and 20,000 copies in Canada. * The complete success primer for today's manager: fun, irreverent, and real. * Why some people glide effortlessly past office politics, backstabbing, and unpleasant bosses...and how you can, too.

    Poverty thrust them forward instead of keeping them back. Therefore, if you are poor make your circumstances a means to an end. Have ambition, keep a goal in sight and bend every energy to reach that goal. A story is told of Thomas Carlyle the day he attained the highest honor the literary world could confer upon him when he was elected Lord Rector of Edinburgh University. After his installation speech, in going through the halls, he met a student seemingly deep in study.

    Millions will fail. Millions more will be received with yawns. A rare few will establish the most profound connection, in which presenter and audience understand each other perfectly, discover common ground and, together, decide to act.