Like it or not, a healthy credit score is essential if you want to participate in today’s financial world. But very few people actually understand how their credit score is determined. Worse yet, most don’t know how their score is used by all kinds of companies and banks to dictate financial terms that will strongly affect their daily lives. When consumers interact with the world of credit, they do so from a position of weakness. In Your Score, Anthony Davenport aims to change that. Finally, here is a road map for navigating the confusing world of consumer credit. Drawing on the real stories of his own firm’s high-profile clients, as well as the stories of middle-class Americans, he reveals the hidden credit pitfalls that await even the most careful consumer and shares smart strategies to avoid them.  An accessible but detailed manual, Your Score finally lets readers take control of their credit score, understand how to play the game, and gain an insider’s knowledge of how to better navigate the most important financial decisions of their lives.

    In addition, you'll gain access to over 100 (and growing!) FREE social media video tutorials.

    In Draw Your Day, Baker guides you through her inspirational practice and provides guidance for starting your own. Part instructional guide and part encouraging manifesto about how making art--even art that's not museum-worthy--can make your life more mindful and meaningful, Draw Your Day is ideal for both seasoned artists looking for fresh inspiration, as well as aspiring artists who need a friendly nudge to get started.

    This rapid application development framework and its vast ecosystem of tools let you quickly build new sites and applications with clean, readable code. With this practical guide, Matt Stauffer--a leading teacher and developer in the Laravel community--provides the definitive introduction to one of today's most popular web frameworks.The book's high-level overview and concrete examples will help experienced PHP web developers get started with Laravel right away. By the time you reach the last page, you should feel comfortable writing an entire application in Laravel from scratch.Dive into several features of this framework, including:Blade, Laravel's powerful, custom templating toolTools for gathering, validating, normalizing, and filtering user-provided dataLaravel's Eloquent ORM for working with the application's databasesThe Illuminate request object, and its role in the application lifecyclePHPUnit, Mockery, and PHPSpec for testing your PHP codeLaravel's tools for writing JSON and RESTful APIsInterfaces for file system access, sessions, cookies, caches, and searchTools for implementing queues, jobs, events, and WebSocket event publishingLaravel's specialty packages: Scout, Passport, Cashier, Echo, Elixir, Valet, and Socialite

    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.

    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.

    What’s left of the American Dream has taken refuge in the 9.9% that lies just below the tip of extreme wealth. Collectively, the members of this group control more than half of the wealth in the country—and they are doing whatever it takes to hang on to their piece of the action in an increasingly unjust system. They log insane hours at the office and then turn their leisure time into an excuse for more career-building, even as they rely on an underpaid servant class to power their economic success and satisfy their personal needs. They have segregated themselves into zip codes designed to exclude as many people as possible. They have made fitness a national obsession even as swaths of the population lose healthcare and grow sicker. They have created an unprecedented demand for admission to elite schools and helped to fuel the dramatic cost of higher education. They channel their political energy into symbolic conflicts over identity in order to avoid acknowledging the economic roots of their privilege. And they have created an ethos of “merit” to justify their advantages. They are all around us. In fact, they are us—or what we are supposed to want to be. In this “captivating account” (Robert D. Putnam, author of Bowling Alone), Matthew Stewart argues that a new aristocracy is emerging in American society and it is repeating the mistakes of history. It is entrenching inequality, warping our culture, eroding democracy, and transforming an abundant economy into a source of misery. He calls for a regrounding of American culture and politics on a foundation closer to the original promise of America.

    is one of only two countries in the world that applies citizenship based taxation in order to tax its own citizens on their worldwide income, irrespective of where they are anywhere in the world. If you’re thinking about becoming a digital nomad or expatriating to another country, do you know how to avoid having to pay tax on your income while abroad? There could be huge penalties or tax evasion charges if you don’t file correctly. Fortunately, these important questions have answers.By combining the right strategies for citizenship, residency, banking, incorporation, and physical presence in other countries, most people who work overseas can legally lower their U.S. tax owing to $0. In U.S. Taxes for Worldly Americans, Certified Public Accountant, U.S. immigrant, expat, and perpetual traveler Olivier Wagner preaches the philosophy of being a worldly American. He uses his expertise to show you how to use 100% legal strategies (beyond traditionally maligned “tax havens”) to keep your income and assets safe from the IRS.Olivier covers a wealth of international tax information, including: -Step-by-step instructions to fill out the Forms and Schedules you will use to file your offshore tax, no matter where you are.-How to qualify for special deductions, credits, and exemptions on international taxation.-Why opening bank accounts and corporations in foreign countries is easier than you think.-How residency or citizenship in another country can legally lower your taxes.-Practical advice for moving, living, and working with tax free income in other parts of the world.-What to consider before renouncing your American citizenship and saying goodbye to the IRS for good.As a non-resident American, there is no single easy answer to lower your taxes. If you don’t understand every possibility, you could end up paying too much. Embrace a worldly lifestyle with confidence as you master the U.S. tax system for Americans living overseas.

     If all this sounds interesting, then you should check out: Happier Human: 53 Science-Backed Habits to Increase Your Happiness Written by Wall Street Journal bestselling author S.J. Scott, Happier Human provides a detailed examination of the strategies and ideas that actually make people happy. Each idea is supported by a wealth of research into why it works. Plus, it also includes a simple action plan for turning these ideas into permanent habits that people can incorporate into their busy lives. Inside this accessible, entertaining guide, you'll learn: The role happiness plays in your success (hint: it's so much bigger than you think!) Which of our emotions are broken, and what that means for you 5 fundamental needs we all experience on a daily basis 8 reasons people struggle with unhappiness today How to identify and use the "big levers of happiness" How adaptation dampens your happiness … and what you can do to fight that tendency What the 80/20 Rule actually means, and how to use it Tools to test your level of happiness right now How to find happiness with others and yourself The secret to eliminating bad habits once and for all Intelligent steps for removing unhappiness for your life immediately 53 fully science-backed strategies for reaching a higher level of bliss today ... and so much more. Ready to stop waiting for happiness and make it part of your life today? Don't wait any longer. Buy this book NOW to build the happier, healthier, stronger business you've always known you could have. Pick up your copy today by clicking the BUY NOW button at the top of this page!

    As women, we so often focus on others, but a balanced and beautiful life means prioritizing yourself so you can truly be the version of you. The best way to do that is by combining a nutritious diet, active lifestyle, and most importantly, by spreading positivity and boosting each other up. Whether you’re sharing workouts or wine, female friendship is so important—plus it makes fitness a lot more fun! BALANCED AND BEAUTIFUL is a guide to focusing on the amazing woman that is you, with a 5-day plan to Refresh, Motivate, Inspire, Energize, and last but not least, Relax. Filled with daily fitness routines, delicious recipes, wisdom to transform your mindset, and all the love and advice of the TIU community, Karena and Katrina make it easier than ever to reach your goals and feel great. Each day, you’ll find tips and advice for every aspect of your journey, told through fun and fascinating stories and secrets that will be like having your best girlfriend along for the ride. Throughout these pages, you’ll feel empowered, uplifted, and connected—with the entire TIU community behind you, cheering you on towards your most confident, centered self.  Ready to reset? Feeling  BALANCED AND BEAUTIFUL  is only 5 days away!

    But not even 1 percent of these savings touch local small business-even though roughly half the jobs and the output in the private economy come from them. So, how can people increasingly concerned with the poor returns from Wall Street and the devastating impact of global companies on their communities invest in Main Street?In Local Dollars, Local Sense, local economy pioneer Michael Shuman shows investors, including the nearly 99% who are unaccredited, how to put their money into building local businesses and resilient regional economies-and profit in the process. A revolutionary toolbox for social change, written with compelling personal stories, the book delivers the most thorough overview available of local investment options, explains the obstacles, and profiles investors who have paved the way. Shuman demystifies the growing realm of local investment choices-from institutional lending to investment clubs and networks, local investment funds, community ownership, direct public offerings, local stock exchanges, crowdfunding, and more. He also guides readers through the lucrative opportunities to invest locally in their homes, energy efficiency, and themselves.A rich resource for both investors and the entrepreneurs they want to support, Local Dollars, Local Sense eloquently shows how to truly protect your financial future--and your community's.

    Yet as bestselling author and astrophysicist Jeffrey Bennett points out, black holes don't suck. With that simple idea in hand, Bennett begins an entertaining introduction to Einstein's theories, describing the amazing phenomena readers would actually experience if they took a trip through a black hole.The theory of relativity also gives us the cosmic speed limit of the speed of light, the mind-bending ideas of time dilation and curvature of spacetime, and what may be the most famous equation in history: e = mc2. Indeed, the theory of relativity shapes much of our modern understanding of the universe, and it is not "just a theory: " every major prediction of relativity has been tested to exquisite precision and its practical applications include the Global Positioning System (GPS). Bennett proves anyone can understand the basics of Einstein's ideas. His intuitive, nonmathematical approach gives a wide audience its first real taste of how relativity works and why it is so important not only to science but also to the way we view ourselves as human beings.

    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

    Featuring all-new Money Diaries, valuable advice on how to get rich (and afford life in the meantime) from a handpicked team of female financial advisers, and money challenges that will save you up to $500, Refinery29 Money Diaries will empower you to take immediate control of your own money, including: • Why budgets are bulls&!t and what to do instead • How to make repaying your loans as painless as possible • How to start an emergency fund even if you’re living paycheck to paycheck • How to effectively ask for a raise and make sure you’re being paid fairly • How to have fun without going broke • The joy of saving for future you With a vision of what your dream bank account balance looks like, some expert advice to help you achieve it, and the support of a powerful community with the same goal, you’ll be a step closer to taking control of not just your wallet, but your life.

    Maybe you’ve always dreamt of doing your own thing and earning money under your own terms but are too scared to take the leap. Or perhaps you feel trapped in a job that pays the bills but just doesn’t do it for you. You’re not alone. Our relationship with money is linear; we’re taught more is better, but that’s about it! We rarely question what financial success and freedom mean for us personally or educate ourselves on how to be smart with our money and earn it in the way that we want. Starting with the most important question ‘what does a plentiful and financially successful life mean to YOU?’, this book will educate and empower the reader with practical activities and digestible advice on the topics of Understanding, Earning, Making, Investing and Spending your money. From getting on the property ladder, negotiating your way through a career pivot, to getting a pay rise, making an investment or starting the business you’ve always dreamed about, this book is a blueprint for financial freedom. "