(Did someone say ‘Afterpay’…?) So, to help you hit your money goals without skimping on brunch, she’s put all her expert advice into this accessible guide that will set you up for a healthy and happy future.Learn how to be more secure, independent and informed with your money – with clear steps on how to budget, clear debts, build savings, start investing, buy property and much more. And along with all the practical information, Victoria will guide you through the sometimes-tricky psychology surrounding money so you can establish the values, habits and confidence that will help you build your wealth long-term.Just like the podcast, the book is full of real-life money stories from members of the She’s on the Money community who candidly share their experiences, wins and lessons learned to inspire others to turn their stories around, too. And with templates and activities throughout, plus a twelve-month plan to get you started, you can immediately put Victoria’s recommendations into action in your own life.You are not alone on your financial journey, and with the money principles in this book you’ll go further than you ever thought possible.

    They're called "Generation Debt" and "Generation Broke" by the media -- people in their twenties and thirties who graduate college with a mountain of student loan debt and are stuck with one of the weakest job markets in recent history. The goals of their parents' generation -- buy a house, support a family, send kids to college, retire in style -- seem absurdly, depressingly out of reach. They live off their credit cards, may or may not have health insurance, and come up so far short at the end of the month that the idea of saving money is a joke. This generation has it tough, without a doubt, but they're also painfully aware of the urgent need to take matters into their own hands.The Money Book was written to address the specific financial reality that faces young people today and offers a set of real, not impossible, solutions to the problems at hand and the problems ahead. Concisely, pragmatically, and without a whiff of condescension, Suze Orman tells her young, fabulous & broke readers precisely what actions to take and why. Throughout these pages, there are icons that direct readers to a special YF&B domain on Suze's website that offers more specialized information, forms, and interactive tools that further customize the information in the book. Her advice at times bucks conventional wisdom (did she just say use your credit card?) and may even seem counterintuitive (pay into a retirement fund even though your credit card debt is killing you?), but it's her honesty, understanding, and uncanny ability to anticipate the needs of her readers that has made her the most trusted financial expert of her day.Over the course of ten chapters that can be consulted methodically, step-by-step, or on a strictly need-to-know basis, Suze takes the reader past broke to a secure place where they'll never have to worry about revisiting broke again. And she begins the journey with a bit of overwhelmingly good news (yes, there really is good news): Young people have the greatest asset of all on their side -- time.

    This book shows you how to use goals strategically and flexibly to create abundance in all areas of life.

    While this method should produce results in the long run, what if there's a better, more efficient way? What if you can build a real estate empire in years instead of decades? Buy, Rehab, Rent, Refinance, Repeat is the first book about the incredible strategy that's sweeping the nation. BRRRR real estate investing has long been a hidden secret of those with decades of experience, but this book will tear down the barriers, reveal the truth, and make financial freedom more attainable than ever. Author and investor David Greene shares the exact systems and processes used to scale his business from buying two houses per year to buying two houses per month using BRRRR. This book will teach you an easy-to-follow plan that will grow your wealth quickly without letting a lack of cash get in the way of pulling it all off! Inside, you'll discover: A solid plan for getting started, even with limited capital How to identify target properties locally and all over the country Negotiating strategies for making offers that get accepted How to recover 100% (or more) of your money in a deal Unique ways to increase a property's value (and your own net worth) The key to identifying emerging markets destined for huge growth How to recruit top talent to work on your deals (so they build wealth for you!) ... And so much more! The BRRRR strategy has changed countless lives, and this book details the exact steps needed for it to change yours. It's time to BRRRR your way to financial independence and grow your wealth.

    While you're at it, learn a thing or two about your personal motivation and how to point it in the right direction. And laugh your socks off, too! I thoroughly enjoyed this book!"Gail Vaz-Oxlade, TV Host of Til Debt Do Us Part and Financial Author"The Task Force on Financial Literacy can stop dithering. All it has to do is distribute Dave Chilton's long-awaited The Wealthy Barber Returns."Jonathan Chevreau National Post Columnist and Author of Findependence"Very funny. Very smart. This fast-paced journey through the world of personal finance will help a lot of people. I loved it!" Amanda Lang, CBC Senior Business Correspondent"A simple plan for a better financial future: Read this book. It's down to earth, fun to read and wise to all the mistakes people make in managing money."Rob Carrick, Personal Finance Columnist, The Globe and Mail

    He had discovered that when you simplify your investment decisions, you end up getting better returns. As a bonus, you gain more time for family, friends, and other pursuits.The Coffeehouse Investor explains why we should stop thinking about top-rated stocks and mutual funds, shifts in interest rates, and predictions for the economy. Stop trying to beat the stock market average, which few “experts” ever do. Instead, just remember three simple principles: Don’t put all your eggs in one basket. There’s no such thing as a free lunch. And save for a rainy day.By focusing more on your passions and creativity and less on the daily ups and downs, you will actually build more wealth—and improve the quality of your life at the same time.

    Purchase includes a free trial membership in the publisher's book club where you can select from more than a million books without charge. Chapters: Still Life With Woodpecker, Villa Incognito, Fierce Invalids Home From Hot Climates, Jitterbug Perfume, Even Cowgirls Get the Blues, Skinny Legs and All, Another Roadside Attraction, Half Asleep in Frog Pajamas. Source: Wikipedia. Free updates online. Not illustrated. Excerpt: Still Life With Woodpecker (1980) is the third novel by Tom Robbins, concerning the love affair between an environmentalist princess and an outlaw. As with most of Robbins' books, it encompasses a broad range of topics, from aliens and redheads to consumerism, the building of bombs, romance, royalty, the moon, and a pack of Camels. The novel continuously addresses the question of how to make love stay. The story is sometimes called a post-modern fairy tale. The book begins in "the final quarter of the twentieth century," at a year never specified, presumably in the early 1980s. It revolves around a family of deposed European royalty living in a small house in the suburbs outside of Seattle, under the protection of the CIA. They consist of: the father, King Max, a former gambler and poker player whose prosthetic heart valve makes a loud scraping noise when he gets excited; the mother, Queen Tilli, an opera-lover with a strong foreign accent and a fondness for saying "Oh, oh, spaghetti-o"; Gulietta, the non-English-speaking maid (and, as it turns out, Max's half-sister) and the daughter, Leigh-Cheri, a redheaded vegetarian liberal princess and former cheerleader, having pulled out of classes after being asked to resign from the cheer squad after having a miscarriage while cheering at a football game. Leigh-Cheri proclaims herself celibate, withdraws from public life and cloisters herself in her room, only to emerge to ask her parents for permission to go to the Care Fest, a lib...More: http: //booksllc.net/?id=217300

    Born with the ability to see dead people. It wasn’t until the death of her own father when she was thirteen that she started to explore what was happening to her.Over two decades later she is now an international psychic medium who has given thousands of spirit Messages and now wants to share with you some of the magic she has experienced over the years.Her stories of spirit will touch your heart and hopefully bring you closer to understanding the afterlife.Gaynor Carrillo is also a mother, a wife and a daughter.

    She meets another convict woman who at her death gives Mattie a chance for a new life. Mattie makes the most of everything that comes her way. She earns her freedom, falls in love, marries and becomes a mother. Life is not kind to her. She meets bushrangers; moves to the Gold Fields in Bathurst and starts a store. Mattie is the kind of woman that made Australia what it is today.

    None of them needed a man to give them anything but love; yet each of them had standards that no man could measure up to. Meadow who is the oldest of the three gave up on men her freshman year in college when her ex cheated on her; causing her to lose focus and ending up on academic probation. She swore men off for the next few years because of it. Now that she's graduated, she decided to find someone to occupy her lonely nights. The man she falls for is a Boss with a secret that can destroy everything he was trying to build with her. Melina found her knight and shining amour; however when she reveals something that she's been holding to he will turn his back on her, leaving her with a broken heart.Maci is the youngest of the crew who is finally finished with high school and finds herself falling for her first bad boy. He is a few years older but can't seem to get enough of her and vows to make her his no matter what the cost. These three sisters will take you on a ride with them and their men that will have you wondering what the hell just happened.

    Against this backdrop, John Mangum falls in love with Silent Tongue, a mute Blackfoot girl who was captured and raised by the Crows. Beyond the Yellowstone recounts John’s struggle to save Silent Tongue from her brother, Wolverine, who has sworn to return his sister to her own people.Interwoven into their saga is that of John’s friend, Ben Hunnicutt, and Yellow Corn, a beautiful Crow who rejects the flashy redhead Reamy Wagner in order to marry Ben, and then discovers that she can never escape Wagner’s jealous grasp.

    We all need it. Most of us want more of it. Some people just seem to know how to get it and keep it. What's their secret? What do they know that the rest of us don't? They know the rules of money: the golden behaviors that create wealth and make it grow. Anyone can learn the rules of money. You could learn them by spending years watching rich people up close...or you can learn them all right now, with Richard Templar's Rules of Money! Templar, author of the global best-seller The Rules of Life, has brought together dozens of easy wealth-generation techniques you can start using instantly! Templar's organized his rules into five categories: *Thinking wealthy *Getting wealthy *Getting even wealthier *Staying wealthy *Sharing your wealthYou'll find great advice on saving, spending, and investing, and enjoying your money, too. You'll discover why your money beliefs might be holding you back...how to see wealth as a friend, not the enemy...how to make money without compromising your ethics...avoid envy...make a plan...get your current finances under control...master deal-making and negotiation...discover opportunities nobody else sees...and much more.Templar's bite-size advice isn't just fun to read -- it's easy to use, too!

    You'll never find a wiser advisor with a bigger heart.” -- Malachi Rempen: Filmmaker, cartoonist, author and self-described ruffian This book grew out of a series of letters to my daughter concerning various things—mostly about money and investing—she was not yet quite ready to hear. Since money is the single most powerful tool we have for navigating this complex world we’ve created, understanding it is critical. “But Dad,” she once said, “I know money is important. I just don’t want to spend my life thinking about it.” This was eye-opening. I love this stuff. But most people have better things to do with their precious time. Bridges to build, diseases to cure, treaties to negotiate, mountains to climb, technologies to create, children to teach, businesses to run. Unfortunately, benign neglect of things financial leaves you open to the charlatans of the financial world. The people who make investing endlessly complex, because if it can be made complex it becomes more profitable for them, more expensive for us, and we are forced into their waiting arms. Here’s an important truth: Complex investments exist only to profit those who create and sell them. Not only are they more costly to the investor, they are less effective. The simple approach I created for her and present now to you, is not only easy to understand and implement, it is more powerful than any other. Together we’ll explore: Debt: Why you must avoid it and what to do if you have it. The importance of having F-you Money. How to think about money, and the unique way understanding this is key to building your wealth. Where traditional investing advice goes wrong and what actually works. What the stock market really is and how it really works. Why the stock market always goes up and why most people still lose money investing in it. How to invest in a raging bull, or bear, market. Specific investments to implement these strategies. The Wealth Building and Wealth Preservation phases of your investing life and why they are not always tied to your age. How your asset allocation is tied to those phases and how to choose it. How to simplify the sometimes confusing world of 401(k), 403(b), TSP, IRA and Roth accounts. TRFs (Target Retirement Funds), HSAs (Health Savings Accounts) and RMDs (Required Minimum Distributions). What investment firm to use and why the one I recommend is so far superior to the competition. Why you should be very cautious when engaging an investment advisor and whether you need to at all. Why and how you can be conned, and how to avoid becoming prey. Why I don’t recommend dollar cost averaging. What financial independence looks like and how to have your money support you. What the 4% rule is and how to use it to safely spend your wealth. The truth behind Social Security.

      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.

    She is engaged to a handsome artist, lives above an windswept beach, and has a rapidly growing list of clients. But in a heartbeat everything changes, and she is left staring at an empty future. It starts with her naked fiancé disappearing in the rear-view mirror, and ends with news so devastating she collapses, sobbing, on the filthy floor of an airport toilet. It is the day that changes Joanne forever. Paul Clarke looks like a man that has stepped out of the pages of a women's magazine. He is living on Twin Pines Station, a farm shrouded in mystery following the disappearance of his grandmother. The small town community expect Paul to marry his spoilt, pregnant girlfriend, and settle in the area like the previous generations of the Clarke family. But not everything is as it appears, and life for Paul is about to be turned upside down. A tragic twist of fate brings Joanne and Paul together. But neither is looking for romance, and both are struggling with loss and the deceptions of the past. What unfolds is an unforgettable story of friendship, family and changes born through love. "This should become a TV series or a movie. It is that good in my opinion." - Mr Butler "Moving, rousing and beautifully written." - Jackie Parry "Being away from New Zealand it was such an indulgence to be given such wonderful imagery." - Meilyrox “All these threads come together in bold colors and powerful strands in Rochelle Carlton's compelling novel "The Quilt: Unraveled" to render vividly life's harsh realities in a story that is both personal and intimate.. This multi-generation family saga is immense in scope (and intense).” – Mark Fine Mature content warning. This book contains language that may offend some readers.