Do you know how to get there? There is a new reality out there—a new normal. What was once certain—that you would be able to retire comfortably, that you would pay for your kids’ education, that your home would appreciate in value—is no longer a sure thing. So much has changed on the financial landscape that it’s hard to know which moves are the right ones to make. Suze Orman’s million-copy bestselling financial action plan—fully revised and updated for 2010 and beyond—will show you the way. NEW TIMES CALL FOR NEW RULES—AND THIS IS WHAT SUZE ORMAN’S ACTION PLAN DELIVERS:  • up-to-date information on new legislation that could affect how you will achieve your financial goals• an explanation of new FICO practices, and a new strategy for dealing with credit card debt• sound advice about rebuidling your retirement plan, and what to do if you’re already retired• guidance on how to live within your means, and strategies to keep you on the path to achieving your goals in this new age of financial honesty PLUS AN ALL-NEW CHAPTER ON KIDS AND MONEY—how to give your kids a solid financial education, no matter their age! Download Suze Orman’s free Money Tool iPhone applicaton in the iTunes store.

    Emotions play a powerful role in shaping our financial behavior, often making us our own worst enemies as we try to save, access value, and spend responsibly. In Dollars and Sense, bestselling author and behavioral economist Dan Ariely teams up with financial comedian and writer Jeff Kreisler to challenge many of our most basic assumptions about the precarious relationship between our brains and our money. In doing so, they undermine many of personal finance’s most sacred beliefs and explain how we can override some of our own instincts to make better financial choices.Exploring a wide range of everyday topics—from the lure of pain-free spending with credit cards to the  pitfalls of household budgeting to the seductive power of holiday sales—Ariely and Kreisler demonstrate how our misplaced confidence in our spending habits frequently leads us astray, costing us more than we realize, whether it’s the real value of the time we spend driving forty-five minutes to save $10 or our inability to properly assess what the things we buy are actually worth. Together Ariely and Kreisler reveal the emotional forces working against us and how we can counteract them. Mixing case studies and anecdotes with concrete advice and lessons, they cut through the unconscious fears and desires driving our worst financial instincts and teach us how to improve our money habits.The result not only reveals the rationale behind our most head-scratching financial choices but also offers clear guidance for navigating the treacherous financial landscape of the brain. Fascinating, engaging, funny, and essential, Dollars and Sense provides the practical tools we need to understand and improve our financial choices, save and spend smarter, and ultimately live better.

    You are the achiever and status seeker of the zodiac. The signs of the zodiac can give us great insight into our day-to-day living as well as the many talents and qualities we possess. But in an increasingly unpredictable world, how can we make sense of them? And what do they mean? This insightful and introductory guide delves deep into your star sign, revealing unique traits and meanings which you didn't know. Along the way, you will discover how your sign defies your compatibility, how to improve your health and what your gifts are. ***The Pocket Astrology series will teach you how to live well and enhance every aspect of your life. From friendship to compatibility, careers to finance, you will discover new elements to your sign and learn about the ancient art of astrology. Other books in the series include: Aries, Taurus, Gemini, Cancer, Leo, Virgo, Libra, Scorpio, Sagittarius,Capricorn, Aquarius, Pisces

    The stunning rise, fall, and rescue of Wall Street in the bubble-and-bailout era was the coming-out party for the network of looters who sit at the nexus of American political and economic power. The grifter class—made up of the largest players in the financial industry and the politicians who do their bidding—has been growing in power for a generation, transferring wealth upward through increasingly complex financial mechanisms and political maneuvers. The crisis was only one terrifying manifestation of how they’ve hijacked America’s political and economic life.Rolling Stone’s Matt Taibbi here unravels the whole fiendish story, digging beyond the headlines to get into the deeper roots and wider implications of the rise of the grifters. He traces the movement’s origins to the cult of Ayn Rand and her most influential—and possibly weirdest—acolyte, Alan Greenspan, and offers fresh reporting on the backroom deals that decided the winners and losers in the government bailouts. He uncovers the hidden commodities bubble that transferred billions of dollars to Wall Street while creating food shortages around the world, and he shows how finance dominates politics, from the story of investment bankers auctioning off America’s infrastructure to an inside account of the high-stakes battle for health-care reform—a battle the true reformers lost. Finally, he tells the story of Goldman Sachs, the “vampire squid wrapped around the face of humanity.” Taibbi has combined deep sources, trailblazing reportage, and provocative analysis to create the most lucid, emotionally galvanizing, and scathingly funny account yet written of the ongoing political and financial crisis in America. This is essential reading for anyone who wants to understand the labyrinthine inner workings of politics and finance in this country, and the profound consequences for us all.

    Next Level Magic is a comprehensive course on realizing your goals in playing Magic the Gathering.

    Are you gutsy enough to try it? Rouse your inner gypsy/rebel with this intimate introduction to van dwelling. It’s stocked with DIY tips and tricks for turning a vehicle into a home (on any budget) and emotional resources to gracefully sidestep the psychological pitfalls of such an unconventional lifestyle. With concrete advice and personal reflection from an experienced solo van dweller, this guide thoroughly covers the basics of everyday life in a van with a refreshing twist of self-empowerment and a whole lotta sass.Topics covered inside: -- vehicle selection-- DIY ideas for customizing your mobile abode-- ventilation-- parking tips-- showering and toilet needs-- safety for solos-- earning an income-- mental health as a van dweller...and much more!

    Kevin’s mum, Anne, was not there to answer his call but she never let her son down. From that fateful day, April 15, 1989, she embarked on a remarkable 24-year battle to see justice done. Convinced of a cover-up by the powers that be, she left no stone unturned in her quest to uncover the truth. It was a campaign that she fought to her dying day, succumbing to cancer at the age of 62 in April, 2013. Anne’s efforts had not been in vain. Just months earlier, a historic breakthrough saw the original inquest verdicts quashed, following a public apology to the Hillsborough families by Prime Minister David Cameron. Her daughter Sara, Kevin’s sister, was with Anne every step of the way. Now, with the help of personal recollections penned by her mum in her final months, she tells the real story of Anne’s remarkable journey – her spirit in the face of the many setbacks and her defiant refusal to accept defeat. Anne’s final message before losing her fight for life was ‘I never walked alone’. This book is dedicated to everyone who has ever fought for justice in the name of the 96.Copyright: All Rights Reserved. No part of this publication may be reproduced, stored in a retrieval system, or transmitted in any form, or by any means, electronic, mechanical, photocopying, recording or otherwise without the prior permission in writing of the copyright holders, nor be otherwise circulated in any form of binding or cover other than in which it is published and without a similar condition being imposed on the subsequent publisher.

    this series is not for novices. This booklet takes portfolio design beyond the familiar "black box" mean-variance framework. Most importantly, the short-term volatility of financial assets, commonly measured as standard deviation, is a highly imperfect measure of the actual long-horizon perils faced by real-world investors subject to the vagaries of financial and military history. These risks have names-inflation, deflation, confiscation, and devastation-and any useful discussion of portfolio design of necessity incorporates their probabilities, consequences, and costs of mitigation. You're an investment adult, so you know that the future efficient frontier lies well beyond our ken; presumably you already know all about the mechanics, long-term benefits, as well as the uncertainties, of wide diversification and factor tilt using low-cost, efficient vehicles and the risk/reward spectrum between all-fixed- income and all-equity portfolios. This booklet contains no magic formula for the "perfect portfolio," but rather, with luck, a framework within which to think more clearly about risk.

    It provides both a respectful, no-nonsense look at the difficult realities of life after the Great Recession and a hope-filled, easy to follow path toward better financial stability for even the most financially strapped households. Created by a financial expert who hasn't struck it rich, How to Manage Your Money When You Don't Have Any offers a first hand story of financial survival in the face of rough times. Rather than emphasizing wealth creation, How to Manage Your Money When You Don't Have Any teaches readers to do the best they can with their income no matter its size. Content rich, personal, and jargon free, the book is opinionated and at times humorous. Full of current everyday references, it is meant to be a quick read which will appeal to the average reader just struggling to make ends meet.

    

    Nobody writes like this.’ - Jonathan Jansen Why are South Africans so uncomfortable with deep disagreement? Why do we lash out at people with opposing views without taking the time to engage logically with their arguments? Eusebius McKaiser is on a mission to raise the level of debate in South Africa. He provokes us from our comfort zones and lures us into the debates that shape our opinions and our society. With surprising candour and intensely personal examples, McKaiser examines our deepest-felt prejudices and ingrained assumptions. Don’t expect to read this book and escape with your defences intact. Immensely readable and completely engaging, McKaiser tackles deeply South African questions of race, sexuality and culture, including: •Can blacks be racist? •Why is our society so violent? •Is it morally okay to be prejudiced against skinny lovers? •Why is the presidential penis so problematic? •Is unconditional love ever a good thing? •Is it necessary to search for a national identity?

      Buy as many lattes as you want. Choose the right accounts and investments so your money grows for you—automatically. Best of all, spend guilt-free on the things you love.   Personal finance expert Ramit Sethi has been called a “wealth wizard” by Forbes and the “new guru on the block” by Fortune. Now he’s updated and expanded his modern money classic for a new age, delivering a simple, powerful, no-BS 6-week program that just works.  I Will Teach You to Be Rich will show you: • How to crush your debt and student loans faster than you thought possible • How to set up no-fee, high-interest bank accounts that won’t gouge you for every penny • How Ramit automates his finances so his money goes exactly where he wants it to—and how you can do it too • How to talk your way out of late fees (with word-for-word scripts) • How to save hundreds or even thousands per month (and still buy what you love) • A set-it-and-forget-it investment strategy that’s dead simple and beats financial advisors at their own game • How to handle buying a car or a house, paying for a wedding, having kids, and other big expenses—stress free • The exact words to use to negotiate a big raise at work  Plus, this 10th anniversary edition features over 80 new pages, including: • New tools • New insights on money and psychology • Amazing stories of how previous readers used the book to create their rich lives   Master your money—and then get on with your life.

    The problem is, businesses are run by humans, and humans aren't always logical. Serial entrepreneur Mike Michalowicz has developed a behavioral approach to accounting to flip the formula: Sales - Profit = Expenses. Just as the most effective weight loss strategy is to limit portions by using smaller plates, Michalowicz shows that by taking profit first and apportioning only what remains for expenses, entrepreneurs will transform their businesses from cash-eating monsters to profitable cash cows. Using Michalowicz's Profit First system, readers will learn that:- Following 4 simple principles can simplify accounting and make it easier to manage a profitable business by looking at bank account balances.- A small, profitable business can be worth much more than a large business surviving on its top line.- Businesses that attain early and sustained profitability have a better shot at achieving long-term growth.With dozens of case studies, practical, step-by-step advice, and his signature sense of humor, Michalowicz has the game-changing roadmap for any entrepreneur to make money they always dreamed of.

    

    I've been there and have struggled with suicidal thoughts and plans. I can share with you what I did to not only survive, but to tolerate depression, live with it, and function acceptably most of the time, interspersed with periods of contentment, happiness, and joy. My strategies may well work for you. My goal is to save lives. The primary motivation for presenting my history is to encourage others who grapple with either chronic depression or occasional bouts. I hope my journey resonates with some, validates feelings, and sparks the thoughts "I'm not alone" and "I will feel better." This book can also help family members and friends of the mentally ill, and their caregivers, find compassion and enable them to understand the struggle. Transcending Depression differs from many other books on the topic in that it is not grounded in clinical experience, scientific research, or empirical evidence, which may make it more approachable than some. It's not a how-to book, not a model for depressed people to follow, not a toolbox. On the contrary, it shows rather than tells the reader what he or she might do to feel better. Appendices include my Depression Survival Guide, which offers 36 suggestions to bring relief, and Chess in the Labyrinth, a metaphor that compares defeating depression to winning a chess game.