The Two-Income Trap: Why Middle-Class Mothers and Fathers Are Going Broke


Elizabeth Warren - 2003
    Although this social revolution created a firestorm of controversy, no one questioned the idea that women's involvement in the workforce was certain to improve families' financial lot. Until now.In this brilliantly argued book, Harvard Law School bankruptcy expert Elizabeth Warren and business consultant Amelia Tyagi show that today's middle-class parents are suffering from an unprecedented and totally unexpected economic meltdown. Astonishingly, sending mothers to work has made families more vulnerable than ever before. Today's two-income family earns 75% more money than its single-income counterpart of a generation ago, but actually has less discretionary income once their fixed monthly bills are paid.How did this happen? Warren and Tyagi provide convincing evidence that the culprit is not "overconsumption," as many critics have charged. Instead, they point to the ferocious bidding war for housing and education that has quietly engulfed America's suburbs. Stay-at-home mothers once provided a financial safety net if disaster struck; their move into the workforce has left today's families chillingly at risk. The authors show why the usual remedies--child-support enforcement, subsidized daycare, and higher salaries for women--won't solve the problem, and propose a set of innovative solutions, from rate caps on credit cards to open-access public schools, to restore security to the middle class.

The Millionaire Mind


Thomas J. Stanley - 2001
    Stanley, Ph.D., answers these questions and provides us with further insight into the thoughts and lives of this wealthy segment of the population in The Millionaire Mind. A follow-up to Stanley's New York Times bestseller, The Millionaire Next Door, The Millionaire Mind may surprise readers with its findings about the kinds of people that millionaires really are. Interestingly, many millionaires were not straight-A students in high school, nor did they attend prestigious colleges. Instead, they were often told when they were younger that they were not bright and that they would not be successful. These challenges taught them how to surmount obstacles and motivated them to try harder and to take risks to get ahead financially. The major risks that these millionaires have taken and continue to take are financial ones. They must overcome the fear of taking risks, and they must maintain this courage throughout their adult careers. Stanley discovered that many millionaires share similarities in techniques to allay their anxieties and stay on track financially. Some of these include: Believing in myself Counting my blessings every day Countering negativethoughtswith positive ones Sharing concerns with spouse Visualizing success Outworking, outthinking, out-toughing the competition Hiring talented advisors Constantly upgrading my knowledge about my occupation Spending considerable time planning my success Exercising regularly Having strong religious faith Stanley also reveals that millionaires are very often successful in marriage as well as in work (the typical millionaire has been married to the same spouse for over twenty-five years) and that they usually lead relatively frugal, economically productive lifestyles. Perhaps most interesting to readers will be the section that Stanley devotes to how millionaires chose the career in which they would be most likely to succeed. So don't miss out on picking apart and analyzing the thoughts and habits of millionaires with Thomas Stanley and The Millionaire Mind, a book sure to be as brilliantly revealing and fascinating as his previous bestseller on millionaires. Thomas J. Stanley, Ph.D., is a researcher, author, and lecturer. He has studied the wealthy for more than 25 years. The Millionaire Next Door, published in 1996, has sold more than one million copies in hardcover and nearly one million in paperback. The book has been on The New York Times Best Sellers list for more than 150 combined weeks. His previous books include Marketing to the Affluent, which Best of Business Quarterly named one of 10 outstanding business books, Selling to the Affluent, and Networking with the Affluent. Dr. Stanley lives in Atlanta. He was a professor of marketing at Georgia State University, where he was named Omicron Delta Kappa Outstanding Professor. He holds his doctorate from the University of Georgia in Athens.

This Is the Year I Put My Financial Life in Order


John R. Schwartz - 2018
    In reality, financial planning can be learned, like anything else. Part financial memoir and part research-based guide to attaining lifelong security, This Is the Year I Put My Financial Life in Order is the book that everyone who has never wanted to read a preachy financial guide has been waiting for.John Schwartz and his wife, Jeanne, are pre-retirement workers of an economic class well above the poverty line, but well below the one percent. Sharing his own alternately harrowing and hilarious stories--from his brush with financial ruin and bankruptcy in his thirties to his short-lived budgeted diet of cafeteria french fries and gravy--John will walk you through his own journey to financial literacy, which he admittedly started a bit late. He covers everything from investments to retirement and insurance to wills (at fifty-eight, he didn't have one!), medical directives and more. Whether you're a college grad wanting to start out on the right foot or you're approaching retirement age and still wondering what a 401(K) is, This Is the Year I Put My Financial Life in Order will help you become your own best financial adviser.

From Paycheck to Purpose: The Clear Path to Doing Work You Love


Ken Coleman - 2021
    In his latest book, he draws on what he learned from his own ten-year journey as well as from coaching thousands of others to walk you through the seven stages to discovering and doing meaningful work. Relevant to any job or industry, you’ll learn step-by-step how to:1. Get Clear on the work you were uniquely made to do and why.2. Get Qualified to do the work you were created for.3. Get Connected with the right people who can open the doors to your dream.4. Get Started by overcoming the emotions and mistakes that often hold people back.5. Get Promoted by developing winning habits and traits.6. Get Your Dream Job by doing work you love and accomplishing results that matter to you.7. Give Yourself Away by expanding the dream to leave a legacy.This is your moment. You are needed, and you were made to contribute. It’s time to exit the daily grind and use your talents to start living your dream once and for all.

How To Speak Dog: Mastering the Art of Dog-Human Communication


Stanley Coren - 2000
    Parlez-vous Doggish? At long last, dogs will know just how smart their owners can be. By unlocking the secrets of the hidden language of dogs, psychologist Stanley Coren allows us into the doggy dialogue, or “Doggish,” and makes effective communication a reality. Drawing on substantial research in animal behavior, evolutionary biology, and years of personal experience, Coren demonstrates that the average house dog can understand language at about the level of a two-year-old human. While actual conversation of the sort Lassie seemed capable of in Hollywood mythmaking remains forever out of reach, Coren shows us that a great deal of real communication is possible beyond the giving and obeying of commands. How to Speak Dog not only provides the sounds, words, actions, and movements with which we can effectively communicate with our dogs, but also deciphers the signs that our dogs give to us. With easy-to-follow tips on how humans can mimic the language dogs use to talk with one another, original drawings illustrating the subtleties of their body language, and a handy visual glossary and “Doggish” phrasebook, How to Speak Dog gives dog lovers the skills they need to improve their relationships with their pets.

The Real Estate Retirement Plan: An Investment and Lifestyle Solution for Canadians


Calum Ross - 2017
    Many Canadians who own their home have never considered buying a second property. And nearly one-third of retirees are worried about running out of money. The Real Estate Retirement Plan shows how homeowners can use the tools already available to them — their mortgages — to access the initial capital to invest and prepare for their retirement. This is a proven, validated antidote to today’s historically low savings rates, poor current rates of return, and pressure on CPP and health care.With examples and a detailed discussion of the principles and mechanics, Calum Ross and Simon Giannini demystify real-estate investing and make an irrefutable case for borrowing to invest.

The Financial Diet


Chelsea Fagan - 2017
    Whether you’re in need of an overspending detox, buried under student debt, or just trying to figure out how to live on an entry-level salary, The Financial Diet gives you tools to make a budget, understand investments, and deal with your credit. Chelsea Fagan has tapped a range of experts to help you make the best choices for you, but she also knows that being smarter with money isn’t just about what you put in the bank. It’s about everything—from the clothes you put in your closet, to your financial relationship habits, to the food you put in your kitchen (instead of ordering in again). So The Financial Diet gives you the tools to negotiate a raise and the perfect cocktail recipe to celebrate your new salary.The Financial Diet will teach you: • how to get good with money in a year. • the ingredients everyone needs to have a budget-friendly kitchen. • how to talk about awkward money stuff with your friends. • the best way to make (and stick to!) a budget. • how to take care of your house like a grown-up. • what the hell it means to invest (and how you can do it).

The Barefoot Investor: The Only Money Guide You'll Ever Need


Scott Pape - 2016
    So what makes this one different? Well, you won't be overwhelmed with a bunch of 'tips' … or a strict budget (that you won't follow). You'll get a step-by-step formula: open this account, then do this; call this person, and say this; invest money here, and not there. All with a glass of wine in your hand. This book will show you how to create an entire financial plan that is so simple you can sketch it on the back of a serviette … and you'll be able to manage your money in 10 minutes a week. You'll also get the skinny on: Saving up a six-figure house deposit in 20 months Doubling your income using the 'Trapeze Strategy' Saving $78,173 on your mortgage and wiping out 7 years of payments Finding a financial advisor who won't rip you off Handing your kids (or grandkids) a $140,000 cheque on their 21st birthday Why you don't need $1 million to retire … with the 'Donald Bradman Retirement Strategy' Sound too good to be true? It's not. This book is full of stories from everyday Aussies — single people, young families, empty nesters, retirees — who have applied the simple steps in this book and achieved amazing, life-changing results. And you're next.

Sick to Fit: Three simple techniques that got me from 420 pounds to the cover of Runner’s World, Good Morning America, and the Today Show


Josh LaJaunie - 2018
    If you’re constantly tired, bloated, constipated, achy, sluggish, depressed, or anxious... If you’re diabetic or pre-diabetic... If your doctor keeps warning you about the risk of cancer, heart disease, or other lifestyle- reversible calamity... If you’re constantly worried about your blood pressure, weight, insomnia, eating habits... But you still find it next to impossible to stick to a healthy diet, exercise, and lifestyle plan... 
 Then you might be going about things the wrong way. Let’s face it - despite a flood of information and advice, we’re getting sicker and fatter all the time. That’s because the vast majority of “conventional” advice is outdated, wrong-headed, and just plain ineffective. Within this storm of bad news and bad advice, there’s a growing tribe of outliers who have managed to lose hundreds of pounds, reverse “impossible to cure” diseases, and even - to their own shock and delight - become fit and high-performing athletes. Their stories don’t get a lot of media attention, because they aren’t selling anything. No pills, powders, or potions. No expensive workout gadgets. No late night informercial magic formulas. They simply rediscovered some basic, natural truths about the human animal. What we’re designed to eat. How we’re designed to move. And how we’re meant to think and feel. When we get away from our natural heritage, we suffer. When we return to it, we thrive. Read Sick To Fit to discover how Josh LaJaunie went from a 420-pound food addict to the cover of Runner’s World magazine, as well as live appearances on Good Morning America and The Today Show. Discover the simple secrets for a healthy life that have transformed dozens of members of the Missing Chins Run Club and clients of WellStart Health from sick and sad to fit and fulfilled. In Sick To Fit, you’ll learn: • the one food rule that banishes confusion, eliminates the need to count calories or restrict portion size, and makes you impervious to the marketing and clickbait BS perpetrated by the food industry • how to honor your culture and heritage without suffering from the diseases that are killing your people (coming from the Bayou of South Louisiana, Josh knows a thing or two about being a foodie) • how to use social and family pressure to get stronger and more committed • how to prevent self-sabotage after initial success • how to start exercising safely if you’re overweight (by 20 or 200 pounds) • the four-question FAST Assessment (the “Swiss Army Knife” of sustainable behavior change) • how to master life’s stressors so they don’t turn into binges • how to never “fall off the wagon” again - even if you’ve failed at dozens of diets before • and much more... Written with behavioral health expert Howard Jacobson, PhD, Sick To Fit combines Josh’s journey with cutting edge nutritional, exercise, neurological, and habit science. Sick To Fit is your roadmap to better health and a more joyful life. “Sick To Fit is a captivating, inspiring and practical story of an epic transformation. And don’t be deceived by how entertaining this page-turner of a book is. What you’re about to have fun reading is scientifically proven, and it just might change your life.” Ocean Robbins, Author, 31-Day Food Revolution CEO, Food Revolution Network http://foodrevolution.

The Sentimental Person's Guide to Decluttering


Claire Middleton - 2017
    and none of the mess you live with now. Declutter Your Home and Let Go of Your Stuff Without Losing Your Nostalgic Memories In this book, Claire shares tips that will help you give up the bulk of your sentimental clutter while keeping your most precious treasures to use and display. Learn how to shrink your collections of nostalgic items such as: Your children's baby clothes and toys Mementos from your own youth Clothes you've kept for decades Heirlooms you inherited Books you've kept for years Gifts you don't want (but feel you have to keep) Holiday decorations And everything else that brings back happy memories. Claire will teach you the art of discarding items that trigger your memories without actually losing those memories. If you've been hoarding too much stuff because you fear losing the memories along with the stuff, you need this book. This Decluttering Guide is Packed with Advice Whether you're downsizing the family home or you simply need to learn how to declutter in a way that honors your memories, this book is for you. If your adult children are moving out, or you're faced with going through the belongings of a beloved parent or other loved one, this will be one of your books that you refer to again and again, as it lists categories of sentimental items, and how to deal with each. Yes, You Can Declutter Without Losing Your Treasured Memories You don't have to live with overflowing closets, an attic full of boxes and a basement packed with more of the same, just because it's so hard for you to sort through and give up belongings linked to your past. The truth is, you CAN finally free yourself of clutter while keeping your most treasured belongings. There are many decluttering books and downsizing books, but this one is written by someone with personal experience. Claire and her family gave up more than half their possessions when they downsized from their large family home to a much smaller house. She let go of things she'd been carrying around for most of her life, as well as treasured mementos from many years of raising her large family to adulthood. In this book, she spells out the steps a sentimental person can take to reduce their clutter while keeping their memories intact. Read The Sentimental Person's Guide to Decluttering now, and start on the path to conquering clutter without giving up happy memories.

The Index Card: Why Personal Finance Doesn’t Have to Be Complicated


Helaine Olen - 2016
    They’re wrong. When University of Chicago professor Harold Pollack interviewed Helaine Olen, an award-winning financial journalist and the author of the bestselling Pound Foolish, he made an off­-hand suggestion: everything you need to know about managing your money could fit on an index card. To prove his point, he grabbed a 4" x 6" card, scribbled down a list of rules, and posted a picture of the card online. The post went viral. Now Pollack teams up with Olen to explain why the ten simple rules of the index card outperform more complicated financial strategies. Inside is an easy-to-follow action plan that works in good times and bad, giving you the tools, knowledge, and confidence to seize control of your financial life.

Plan Your Prosperity: The Only Retirement Guide You'll Ever Need, Starting Now--Whether You're 22, 52 or 82


Kenneth L. Fisher - 2012
    Many retirees or soon-to-be retirees have heard a plethora of advice. Take 100 (or 120) and subtract your age to get your equity allocation, put the rest in bonds or cash. Buy only bonds. Buy only high dividend stocks. Or some combination! Buy equity-indexed annuities or some "guaranteed" income product. All examples of a potentially harmful myth many folks believe to be smart, strategic moves.Investors believe preparing for retirement requires a radically different set of tools or a dizzying array of products. Navigating the world of retirement products and services can be a full-time job. But investing for retirement is, in practice, not much (if at all) different from investing. In Your Retirement Plan, Ken Fisher will give readers a workable strategy to either develop their own retirement investing plan or work more successfully with a professional to increase the likelihood of achieving long-term goals while avoiding common pitfalls. The book will include easy-to-follow steps likeHow to think, correctly, about investing time horizon. How to better figure how much income you need How to determine if a portfolio can provide that income How to figure how much to save each year to achieve retirement goals What pitfalls to avoid And more. . . . In this retirement planning book that's not just for retirees, Fisher will hand readers the tools and confidence they need to better plan for the future.

Irrationality


Stuart Sutherland - 1992
    In this iconoclastic book Stuart Sutherland analyses causes of irrationality and examines why we are irrational, the different kinds of irrationality, the damage it does us and the possible cures.

The New Normal: A Roadmap to Resilience in the Pandemic Era


Jennifer Ashton - 2021
    In its place we were confronted with life and routines that were unusual and different: the new normal.  As we’ve all learned since then, the new normal isn’t just about wearing masks and standing six feet apart—it’s about recognizing how to stay safe and sane in a world that is suddenly unfamiliar. And no one understands this evolving landscape better than Dr. Jennifer Ashton. As ABC’s Chief Medical Correspondent, Dr. Ashton has been reporting on the novel coronavirus daily, helping Americans comprehend the urgent medical updates that have shaped the nation’s continued response to this public health crisis. Now in The New Normal, Dr. Ashton offers the essential toolkit for life in this unfamiliar reality.  Rooted in her reporting on COVID-19 and the understanding that the virus isn’t going anywhere overnight, The New Normal is built on a simple foundation: thriving in this evolving world demands accepting the new normal for what it is, not what we want it to be. No longer is wellness a buzzword, but an imperative for surviving this unprecedented time. Using her trademark practical, easy-to-follow advice, Dr. Ashton gives you all the necessary information to reclaim control of your life and live safely—from exercise, to diet, to general health—showing how to prepare your body and mind for challenges such as: - Taking proper medical precautions to protect yourself and your loved ones- Exercising during the pandemic, even if you no longer feel safe at the gym- Finding emotional balance through these uncertain times- Deciphering complicated medical news to learn what to trust and what to ignore With these straightforward and accessible strategies and many more, Dr. Ashton helps empower you to make the unexpectedly hard decisions about socializing, food-shopping, seeing doctors, and most of all, finding normalcy. At once reassuring and urgent, The New Normal is a holistic roadmap through the ongoing struggles of the pandemic, providing the guidance you need to navigate this unsettling time and take charge of your future wellbeing.

Passive Income Freedom: 23 Passive Income Blueprints: Go Step-by-Step from Complete Beginner to $5,000-10,000/mo in the next 6 Months!


Gundi Gabrielle - 2018
     If you are ready for freedom, Ready to get out of the rat race and the drudgery of boring, unfulfilling jobs, Ready to get out under that pile of debt and bills to pay, Ready to become the person you were meant to be with the freedom to pursue your passions and share some AWEsome with the world... Then... this book will be an amazing resource. Taking you by the hand and giving you: A Tour-de-Force Ride through the many - vastly different - realms of passive income entrepreneurship. So you know what's out there. You know what your passive income options are. And you can then decide which path to choose - with - an action plan in place on how to get there. Don't worry, these are fun... :) As always with SassyZenGirl books, great business info doesn't have to be dull and boring. You will smile, you will be excited - and - you will have a sound passive income strategy plan once you finish this book! Are you ready? Then scroll up to the top and hit that BUY BUTTON...:)