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

    From the books and toys to use in play with young children, to simple scripts to help them gracefully react to insensitive comments at school, to advice on guiding older children toward an unflappable sense of self, Does Anybody Else Look Like Me? is the first book to outline for parents how, exactly, to deflect the objectifying and discomforting attention multiracial children are likely to receive. Full of powerful stories and expert counsel, it is sure to become the book that both adoptive and birth parents of different races will look to for understanding as they strive to raise their children in a changing world.

    Weschler thoroughly explains the empowering Fertility Awareness Method, which in only a couple minutes a day allows a woman to:-Enjoy highly effective, scientifically proven birth control without chemicals or devices-Maximize her chances of conception or expedite fertility treatment by identifying impediments to conception-Increase the likelihood of choosing the gender of her baby-Gain control of her sexual and gynecological health

    A major  work, filled with astute analysis and moving  truths.

    This must-have boxed set contains the trade paperback editions of Healthy Sleep Habits, Healthy Child, a step-by-step program for a good night's sleep, and Your Fussy Baby, how to soothe your newborn.Healthy Sleep Habits, Healthy ChildOne of the country's leading researchers updates his revolutionary approach to solving--and preventing--your children's sleep problems. Dr. Weissbluth outlines proven strategies that ensure good, healthy sleep for every age. This distinguished pediatrician and father of four explains with authority and reassurance his step-by-step regime for instituting beneficial habits within the framework of your child's natural sleep cycles.Your Fussy BabyIf your new baby cries inconsolably for many hours a day, take heart. The soothing help you need is here.Renowned pediatrician Dr. Marc Weissbluth knows firsthand how stressful life can be for a sensitive, fussy newborn-not to mention the child's frantic, exhausted parents. With this reassuring, down-to-earth guidance, you can help your fretful, fussy newborn to become the sweet, happy baby he or she was meant to be.

    Cleaning House is her account of a year-long campaign to introduce her kids to basic life skills. From making beds to grocery shopping to refinishing a deck chair, the Wyma family experienced for themselves the ways meaningful work can transform self-absorption into earned self-confidence and concern for others. With irresistible humor and refreshing insights, Kay candidly details the ups and downs of removing her own kids from the center of the universe. The changes that take place in her household will inspire you to launch your own campaign against youth entitlement. As Kay says, “Here’s to seeing what can happen when we tell our kids, ‘I believe in you, and I’m going to prove it by putting you to work.’”

    In His Needs, Her Needs, Willard Harley identifies the ten most vital needs of men and women and shows husbands and wives how to satisfy those needs in their spouses. He provides guidance for becoming irresistible to your spouse and for loving more creatively and sensitively, thereby eliminating the problems that often lead to extramarital affairs. The revised anniversary edition of His Needs, Her Needs is a celebration of how the book has helped thousands of couples revitalize their marriages during the last fifteen years. This best-seller identifies the causes of marital difficulties and instructs couples on how to prevent them, guiding them to build a relationship that sustains romance and increases intimacy. With today's soaring divorce rate and prevalence of affairs, Harley's insights are needed more than ever before.An unabridged recording of His Needs, Her Needs, the 15th anniversary edition, is now available as an audio book.

    They provide optimism, hope, and love. They bring smiles, laughter, and energy into our homes. They also add clutter. As parents, balancing life and managing clutter may appear impossible—or at the very least, never-ending. But what if there was a better way to live?Clutterfree with Kids offers a new perspective and fresh approach to overcoming clutter. With helpful insights, the book serves as a valuable resource for parents. Through practical application and inspirational stories, Clutterfree with Kids invites us to change our thinking, discover new habits, and free our homes. It invites us to reevaluate our lives. And it just may inspire you to live the life you’ve been searching for all along.

    You want to control the future of your manuscript and your writing career.Best-selling author Marilyn Ross and publishing expert Sue Collier show you how to make your own success - whether you're a published author, entrepreneur, corporation, professional, or absolute newcomer to writing. In this expanded and completely revised 5th edition of the bible of self-publishing (over 100,000 copies sold), they empower you to publish your own work with minimal risk and maximum profits.You'll find:- Complete step-by-step guidance on publishing and marketing a book - Ways to leverage social media marketing to build your platform and make yourself stand out from the crowd - A thorough explanation of the difference between POD self-publishing, subsidy publishing, and true self-publishing - and how to decide which is the best option for you - Practical advice on making the decision between offset printing and print-on-demand - How to leverage the Internet to create buzz and promote your book with killer PR - The latest information on e-publishing - A detailed marketing plan and timetable to keep you on track - Proven marketing strategies to get free publicity, reach nontraditional buyers, and sell books - Information-packed appendices with marketing contacts, organizations, and vendors, complete with names, addresses, and websites - Valuable case studies and examples of how other publishers excel - An in-depth discussion of exclusive distributors, plus coverage of the most recent changes in bookstores and the book-selling industry - Thirty-one creative ideas for generating capital to launch your publishing companyThe Complete Guide to Self-Publishing is the one book you need to take control of your writing career.Read it. Believe it. Do it.Your future depends on it.

    Includes all the recipes with carb count and the meal plan is designed to be 20 grams of net carbohydrates or less daily. Starting a keto diet can be tough if you don't have a good plan for what to eat. That's where this 7-day keto meal plan comes in. I've done all the calculations, cooking, and planning for you. Now you can relax and enjoy all the benefits of a ketogenic diet stress-free.

    For the first-time dad, useful and practical information about pregnancy, childbirth, and baby care, including: what to say--and what not to say--when you hear the news; taking care of moms-to-be; what childbirth feels like; crying, diapers, and bathtime; and baby-proofing the home.

    That lie ends now. The truth is most kids end up remarkably unremarkable no matter what you do, so you might as well achieve mediocrity by the easiest possible route. The goal of “bare minimum parenting” is to turn your child into a functional adult with only a fraction of the effort spent by super moms and dads. If you do it right, your kid will be no better or worse off than their kids, but with more free time left for you. That's more valuable than all the participation trophies in the world.In Bare Minimum Parenting, amateur parenting expert James Breakwell will teach you to stop worrying and embrace your child's destiny as devastatingly average. To get there, you'll have to overcome your kid, other parents, and yourself, all of whom will push you to do more than is absolutely necessary. Honestly, by reading this far, you’re already trying too hard. But don't stop now. You're exactly the kind of person who needs this book.

    We probably took care with our homework. Along the way we surely learnt intriguing things about equations, the erosion of glaciers, the history of the Middle Ages, and the tenses of foreign languages.But why, despite all the lessons we sat through, were we never taught the really important things that dominate and trouble our lives: who to start a relationship with, how to trust people, how to understand one's psyche, how to move on from sorrow or betrayal, and how to cope with anxiety and shame?The School of Life is an organisation dedicated to teaching a range of emotional lessons that we need in order to lead fulfilled and happy lives - and that schools routinely forget to teach us. This book is a collection of our most essential lessons, delivered with directness and humanity, covering topics from love to career, childhood trauma to loneliness. To read the book is to be invited to lead kinder, richer and more authentic lives - and to complete an education we began but still badly need to finish. This is homework to help us make the most of the rest of our lives.

    We all know how artists and are at risk from filesharing; now digital manufacturing and 3D printing mean that no industry is immune. But the same technology that enables easy piracy also offers a huge opportunity: artists and businesses can share what they do at low cost, while building relationships with fans.So how can you embrace free, while finding the superfans who will help you thrive? How can you make money in the Free world? Here are ten ideas to reshape your future. Welcome to the Curve.Nicholas Lovell is an author and consultant who helps companies embrace the transformative power of the internet. His blog, GAMESbrief, is read by those seeking to learn how digital is transforming gaming - and how to apply that knowledge to other industries. His clients have included Atari, Firefly, nDreams and Square Enix (creators of Tomb Raider), as well as Channel 4 and IPC Media. He is a columnist for Gamasutra, a contributor to the Wall Street Journal, and his articles have appeared in TechCrunch andWired. He lives in London.

    He spent two years gathering information that demonstrates this and along the way interviewed more than a hundred experts in a number of different fields. Among them were parapsychologists, medical doctors, psychologists, psychiatrists, quantum physicists, and researchers into the true nature of reality. Specific examples are presented that indicate what happens when we die, for example that memories can be formed and retained despite a subject’s brain having been shutdown and the blood drained from it. Questions such as whether or not you will be able to communicate with living loved ones after death are addressed, if it is possible to be reborn, and what might be missing from reproductive theory to explain the various phenomena indicated in the many case histories and scientific investigations presented. All of us will someday cross the border to what Shakespeare called "The undiscovered country." As long as we must make that trip, wouldn’t it be smart to find out where we are going and what to expect when we get there?