The earlier we choosetosave(R), the sooner we can stop saving, and the later we start saving the more we need to know in order to catch up. What you need to know; where you can find the answers; how you can take action. It is all here." -Dallas Salisbury, CEO, Employee Benefit Research Institute and American Savings Education Council (www.choosetosave.org) "Bookstores are full of tomes advising people how to save for retirement, yet millions of people are still hopelessly confused about what they should do. Gail MarksJarvis breaks it down into simple steps that anyone can do to ensure a more comfortable retirement. Read this book and prosper!" -Liz Pulliam Weston, MSN Money Personal finance columnist and best-selling author of Your Credit Score "This book offers a sensible, sophisticated approach for tackling the daunting challenge of saving for retirement. The good news? You can retire-without living on canned food or buying lottery tickets-if you follow Gail's realistic strategies for saving, investing, and ultimately spending money in retirement." -Susan Tompor, Detroit Free Press "You can wallpaper a warehouse with all of the awful investment advice offered up every year in newspapers, magazines, and books. One of the most difficult tasks is to separate the get-rich-quick hype from the truly worthwhile knowledge that will make you wealthy over time. I'm thrilled to say that Gail MarksJarvis has cut through the claptrap of investment cacophony and provided not only a solid plan for retirement saving, but a realistic, common-sense approach to personal finance in general. This is a triumph." -John F. Wasik, Bloomberg News personal finance columnist and author, The Merchant of Power Drawn from responses to questions from over 20,000 readers of the author's personal finance columns. Over the years, Chicago Tribune financial columnist Gail MarksJarvis has taken the time to listen and respond to thousands of her readers about the issues, questions, and concerns that are most important to them. Saving and investing for retirement has never been more important...and with this book, it's never been clearer what you need to do and how to do it. Don't wait another day! Discover...How much you'll need and how to get there...even if you've fallen behind Exactly how to set up IRAs, 401(k)s, or 403(b)s in minutes and pocket your tax money How to harness the money-making power of the stock market How to pick the right mutual funds confidently with simple strategies and specific recommendations Incredibly easy, safe investing strategies based on professional money-management techniques "Gimmick-free" investing shortcuts that won't backfire on you How to keep debt from making you poor How to get reliable help if you need it...and avoid incompetents or scam artists How the new 2006 pension laws affect you MarksJarvis eliminates the insider jargon, confusion, and math...takes the mystery out of the stock market...simplifies investing techniques...answers all your questions...clears away every obstacle in your way so you make money without taking foolish risks. She's already done it for millions, in the nation's top newspapers and most popular financial radio and TV shows. Now, she'll do it for you, too! Introduction 1 Start Investing Early, or Start Now 1 2 Know What You'll Need 9 3 Savings on Steroids: Use a 401(k) and an IRA 39 4 An IRA--Every American's Treasure Trove 59 5 IRA Decisions: How to Start, Where to Go 65 6 Why the Stock Market Isn't a Roulette Wheel 89 7 What's a Mutual Fund? 105 8 Making Sense of Wacky Mutual Fund Names 115 9 Know Your Mutual Fund Manager's Job 127 10 The Only Way that Works: Asset Allocation 151 11 Do This 163 12 How to Pick Mutual Funds: Bargain Shop 181 13 Index Funds: Get What You Pay For 189 14 Simple Does It: No-Brainer Investing with Target-Date Funds 209 15 Do You Need a Financial Adviser? 219 Index 229

    This new book is a special gift to all his friends, old and new, a book they may cherish above all the rest. SECRETS FOR SUCCESS AND HAPPINESS is Og's beautifully written journal, an intimate record of his innermost thoughts and feelings, the heartwarming events of his day-to-day life.Whether he's writing in his old New Hampshire farmhouse on a snowy winter day or in a hotel room just about anywhere in the country; whether he's refilling the bird feeder, comforting a sick friend, racing to catch a plane, or planting his tomatoes; Og weaves his secrets of success into the fabric of his life and the pages of this book. He shares anecdotes, both sad and funny, and his feelings about his fan mail and the people he meets. And when trouble comes to him, he shares that, too.Living with Og and listening to his thoughts as the rich days unfold, we once again find the sheer joy of wondering what tomorrow will bring, and the courage never to look back on yesterday.

    

    Legendary celebrities like Liberace and Phyllis Diller attribute their success to reading the book. “I didn’t get my start until I was 37. It was very, very difficult for me. I had a frequently unemployed husband and a house full of kids. My first advice to anyone is to read The Magic of Believing. It changed my life. Read it and absorb the ideas that he puts forth in the book. You won’t even think of your age or the obstacles in your way; you’ll think of your dream, and how to keep focused on your dream.” - Phyllis DillerThat life-changing book started with the book you’re about to read: T.N.T.—It Rocks the Earth.As Claude Bristol’s business associate wrote: “In T.N.T.—It Rocks the Earth, you are told exactly how to acquire a wonderful secret, that Power, or whatever you wish to call it, which, when accepted and developed through a process of right thinking, creates a philosophy of life which sweeps away all obstacles and brings that which every human desires: success, happiness and contentment.Do exactly as he says, put his plan into operation—and I also promise you that almost over night you will be transformed and the things for which you have wished all your life will be yours. Your fears, trials and tribulations will fade into the mists. The door of yesterday will be closed forever. A grand and glorious feeling will engulf you and you will smile, and when you do, the world will smile with you.I know it. I believe it and it is so.“– Frank W. CampThis 1932 hard-to-find classic will rock YOUR life!

    Today's coach could be one of the greatest greatest authoritative figures in the life of today's adolescent. So the question isn't whether coaches leave a legacy, but rather, "What will that legacy be?" Current trending research shows that only 15% of coaches are intentional about coaching beyond the skills and strategies of the game (1st Dimension). A 3-Dimensional Coach understands and harnesses the power of the coaching platform to coach the mind (2nd Dimension) and transform the heart (3rd Dimension), tand they can be the catalysts for internal transformation that guides both the coach and the athlete on a spiritual journey to finding purpose in this performance-based culture of sport. "Now that's a legacy!" In "3D Coach," you will learn from National Coaches Training Director Jeff Duke about his own journey through the three dimensions of coaching and how it has impacted his life and those around him. You will also read the personal stories of coaches from all levels who have implemented the 3D concept into their own programs and who have pointed to Jesus Christ, the Master Coach, as the ultimate example of how to lead athletes to true significance.

     What does it take to get and keep the job you want? Ninety-six percent of employers argue that it's not just about having the right skills for the position- it's all about the right mindset. As two leading experts on the subject, Reed and Stoltz know what employers really want from the people they hire and keep. According to their extensive and globally acclaimed research, there is a specific set of mental traits that will make you exponentially more desirable to potential employers, and more likely to succeed and enjoy your job once you're hired. This "3G Mindset" is: ? Global-the openness and big-picture perspective to compete on a global scale in any job ? Good-a positive force with an unwavering moral compass ? Grit-the tenacity and resilience to thrive on adversity The authors reveal why employers are three times more likely to hire people with the right mindset over those who are more qualified on paper. This book provides an actionable approach for both assessing and developing these essential traits.

    How to Talk to Anyone: 51 Easy Conversation Topics You Can Use to Talk To Anyone Effortlessly addresses the major roadblocks keeping you from building connections and relationships through communication, and provides the best strategies to help you unleash your full potential as an excellent conversationalist.Inside, you’ll find: The main components of communication, and their importance in making conversations The basic guide to making good and proper conversations The art of choosing the best conversation topics and making small talks interesting and fulfilling The aces to use to influence and lead conversations  While other books seek for things you could learn outside, this book chooses to dig deep down into what is already inside you – fears, hidden talent, creativity, and that connection you feel with every human being – and using them to get your desired results in conversations. After reading this book, you will surely feel more confident in facing challenges that keep you tongue-tied and passive at parties, and more determined on being known for your wit, honesty, and charisma.So grab a copy now, and begin taking this journey towards a more confident, conversation-savvy, and interesting YOU!

    In other cases, whatever it is you’re intending to protect may be highly confidential information that requires increased security. A hollow book just won’t do. This book isn’t hollow; in it, we will discuss various hiding places, from the simple and straight forward to the complex – a place to hide your cash from your light-fingered roommate or a place where your family heirlooms may be safe from the most cunning of jewelry thieves. We will also look at secret hiding places specific to travel, as tourists are often a prime target for petty theft or burglary. The use of secret hiding places isn’t limited to hiding items of value; hiding places can also be used to conceal weapons. Carrying a weapon on your person at all times will allow you to defend yourself should the need arise, without provoking suspicion in your assailant or making those around you feel threatened. We’ll provide a few methods by which to hide both valuables and weapons on your person. Learn how to hide your treasures, items and documents securely: 1) In Your Home 2) On The Road 3) When You're Traveling 4) From Hackers/Cyber Thieves and more...

    In The Book on Making Money, he reveals what he learned while successfully hitting this goal for seven years in a row, growing his annual income to more than $1 million. Walking readers through the steps he took to reach his goal, Oliverez shows how they can apply the same techniques to greatly increase their own income, whether they work for someone else or run their own business. Oliverez spells out his disagreements with the traditional wisdom that tells young adults to go to school, get good grades and find a safe, steady job - advice that has left many Americans with tens or hundreds of thousands of dollars in student loans, credit card debt or mortgages on homes they can't afford. He also assaults the idea of saving one’s way to wealth as absurd and counterproductive, using his own experience of trying to save money while poor as an example. Instead of promoting an austere lifestyle of clipping coupons and spending as little as possible, he shows how those habits can actually prevent people from becoming wealthy. Perhaps your goal is to create passive income, launch a startup or make money investing in the stock market. Maybe you're still an employee and you want to learn how to write a better resume, ask for a raise, and budget so you can get out of debt. This straight-forward guide will teach you how money works and give you the tools to achieve financial freedom.

    In the last year, he was able to take his brand new account from earning absolutely nothing to over 6 figures a year. His account now earns between 8 to 10 thousand a month as truly passive income as he practices exactly what is laid out in this Amazon Merch book. These results are not typical, but this book will go over the complete steps to setting up a profitable Merch by Amazon t-shirt business which you can use to sell your custom made artwork by printing it onto T-Shirts that are sold on the biggest market place in the world. *Who was this book written for?* This book is written for people who are looking to get their start selling their art (designs) on the internet with the print on demand service Merch by Amazon. There are also plenty of Amazon Merch tips and tricks for seasoned veterans to take their business to a new level. Every level of Merch by Amazon user will find something helpful from this blueprint. *Who this book is not for:* If you are looking to start an account and get rich overnight, look elsewhere. You will need to be dedicated and work hard to achieve desirable results. If you are looking for shortcuts at the expense of others (copycats), this book is not for you. If you want to make an extra livable income stream for yourself or your family, you will have to work at it and put in the time and effort. *Topics covered in this book:* • Who Am I? • What Is Merch by Amazon? • Signing Up For An Account • Dashboard Walk Through • T-Shirt Niche Research • What You Need To Create Designs • Outsourcing Designs • Merch by Amazon T-Shirt Holidays • Leveraging Pinterest Marketing To Sell Your Merch Shirts • Merch by Amazon SEO Ultimate Guide • Selling Your T-Shirt Business • Wrapping It Up Each topic goes extremely in depth with exactly what you need to succeed. It goes over all the basics that you need to know how to use, as well as tools that will help you get an edge over the competition. Learn how to get started with Merch in the next hour or two. At the end you should have a clear idea of what it takes to build a profitable business, how to find niches that are hot and selling, and what you should be focusing your time on. This is the most comprehensive book on how to start and make money with Merch by Amazon which will hold your hand every step of the way.

    This comprehensive new edition of the top-selling PHR/SPHR Study Guide provides you expert preparation and review for these challenging exams as well as comprehensive coverage on labor relations, workforce planning, compensation, OSHA regulations.

    The whole 60- to 80-year-old period is simply new territory, he writes, and the people in this period constitute a whole new phenomenon in the 21st century.The Big Shiftis animated by a simple premise: that the challenge of transitioning to and making the most of this new stage—while deeply personal—is much more than an individual problem; it’s an urgent social imperative, one affecting all generations. By embracing this time as a unique period of life – and providing guidance, training, education and support to the millions who are in it – Freedman says that we can make a monument out of what so many think of as the leftover years. The result could be a windfall of talent that will carry us toward a new generation of solutions for growing problems in areas like education, the environment, and health care.

    Gathered from the latest research on dyslexia along with early practices which have been overlooked in the test-intensive school environment, a successful dyslexia tutor shares the tools of her trade because she believes that it's a crime to let bright children grow up illiterate!

    Certified Professional Organizer (CPO®) and productivity expert Tamara Myles has developed a simple model-the Productivity Pyramid-which provides an actionable framework for anyone to achieve better results. Based on a sequence of steps leading to peak performance, the author's easily adapt able system consists of five levels:Physical Organization: from decluttering to filing-fool-proof strategies for handling incoming papers and ensuring information remains accessibleElectronic Organization: from dealing with email to electronic file management options such as cloud computingTime Management: mastering the three P's-Plan, Prioritize, and PerformActivity-Goal Alignment: breaking objectives into specific, relevant, and measurable daily tasksPossibility: identifying new life and business goals that will help you reach your greatest potentialSince no single solution will work for everyone, The Secret to Peak Productivity helps you tailor your own personal plan. First, a quick assessment determines your strengths and weaknesses and pinpoints where to focus for immediate results. Then, as you reach each productivity level, you will find a range of potential strategies-allowing you to choose the ones that are right for you for truly remarkable results.

    In I Shouldn't Be Telling You This, she shares her secrets to success. A witty, wise, straight-talking career guide for women, I Shouldn't Be Telling You This is the perfect book for the current economic climate, whether you're just starting out, re-entering the workforce after maternity leave, or simply looking for a career change; essential tips and bold strategies from a gutsy innovator who helped increase Cosmo's circulation by half a million copies per month.