Despite a well-paying job, the author had managed to spend everything he had earned in the five years after college. The meeting with the mortgage officer was his financial epiphany. He finally got serious about managing and investing his money. Now in his early 50s, the author is debt free, owns a house free and clear, and has built a retirement portfolio that will comfortably sustain him and his wife in the coming years. This book will help people avoid the financial mistakes the author made the first few years after college.In a breezy, humorous, and conversational style, it describes a common-sense approach to spending, saving, investing, and managing your money to build wealth over time. If you are looking to get a grip on managing your money, From Ramen to Riches is for you! Silver medal winner in the 2011 Living Now Book Awards. Finalist in the 2011 Next Generation Indie Book Awards.

    Would you rather earn interest than pay it, and eliminate the necessity of paying fees to banks and jumping through hoops to get loans? Are you frustrated with being over-taxed and/or being dependent on a volatile stock market? Do you suspect that the ultra-wealthy play by a different set of rules than you do, and that their secrets have been kept just out of your reach? What would it mean to you and your family if you knew these rules to play by them too?

      With fat-burning proteins and a specially selected array of high-powered fruits and vegetables, Zero Belly Smoothies—based on the New York Times bestseller Zero Belly Diet—are the fastest and most delicious ways ever created to sip off the pounds!   Inside, you’ll find a complete shopping guide, a bonus cleanse program, and more than 100 intensely flavorful recipes, including tasty green drinks, fresh and fruity smoothies, nutty, chocolatey shakes, and savory surprises.   Zero Belly Smoothies will help you: • Lose up to 16 pounds in 14 days. • Melt away stubborn fat, from your belly first. • Put an immediate end to bloating and discomfort. • Detox from unhealthy foods so you enjoy all-day energy. • Turn off your fat storage genes and make long-term weight loss effortless. • Look and feel younger and healthier than ever!From the Trade Paperback edition.

    Written in easy to read language, and packed with practical, easily applied tips, this eBook contains everything you need to know to take great notes.To make sure you get the most value for money possible I've also included the FREE eBook: "How to Study: 20 Tips". It contains my best best advice on time management, goal setting and how to get the best grades with the least effort. It's advice that also transfers brilliantly well to professionals, the self employed and anyone working toward mastery of a given field.

     Do you suffer from lower back pain after a long weekend ride? Do your shoes wear out on one side more than the other? Are you experiencing numbness in your hands, or knee pain? Phil Burt, Head Physiotherapist at British Cycling and Team Sky Consultant Physiotherapist, has worked with hundreds of cyclists to help them solve these and many other classic cycling niggles. In this book he outlines his methods to help you analyse your position and get the best from your bike. The right BIKE FIT can mean the difference between a good ride and a bad one, but a professional fit can cost more than you paid for your bike. The information is all here. Let Phil Burt guide you through your own BIKE FIT, to ensure your bike and body work in harmony. Packed with useful diagrams, step by step diagnostics and case studies, this is the must-read for any cyclist keen to get a performance advantage.

    It offers guidance for those who want to make smart investments - even if they've never owned stocks before. This updated edition includes new concepts, improved chart graphics and new research tools. Key issues include: making money reading the daily financial pages; picking the best industry groups in the market; reading charts to improve stock selection and timing; reducing losses and mistakes; and turning a profit from reading and analyzing the news.

    Most methods advocate a room-by-room or little-by-little approach, which doom you to pick away at your piles of stuff forever. The KonMari Method, with its revolutionary category-by-category system, leads to lasting results. In fact, none of Kondo's clients have lapsed (and she still has a three-month waiting list).With detailed guidance for determining which items in your house "spark joy" (and which don't), this international best seller featuring Tokyo's newest lifestyle phenomenon will help you clear your clutter and enjoy the unique magic of a tidy home - and the calm, motivated mindset it can inspire.

    This new updated edition includes the same wisdom that made Allen one of the most influential financial advisors in the world, but also features updated information on everything readers need to know. The book features the original seven powerful methods that average people can use to make money on the Internet, and covers such topics as taking offline products online, niche marketing, successful Web-based business models, information marketing, affiliate programs, and more.There's plenty of new material in this Second Edition, including coverage of new federal and state laws covering spam and how to work around much of the new anti-spam technology active on the Internet. All the Web sites and online resources featured in the book have also been updated.

    Learning the work of marriage. Navigating the bumpy terrain of parenting. Maintaining social relationships. Facing grave hardship. Finding contentment in our career.As the years pass by, we sense how the good things in life are so often eclipsed by stress. We find ourselves doing everything we can just to endure adulthood, all the while wondering whether we are actually enjoying it. This is exactly why Dr. Anthony T. DeBenedet decided to write Playful Intelligence: The Power of Living Lightly in a Serious World, to show readers how playfulness helps us counterbalance the seriousness of adulthood."Five years ago, my life was becoming more intense and stressful," DeBenedet says. "My relationships, clinical work as a physician, and basic interactions with the world were blurring into a frazzled mosaic. Going through the motions became my norm, and every day brought busyness and exhaustion. I thought about whether I was depressed. I didn't think I was. Anxious? Sure, but aren't we all anxious on some level? I also thought about the lifestyle factors that could be making me feel this way. Was I getting enough sleep? Was I exercising regularly? Was I eating healthy? Was I playing and remembering to be playful?"Today, we live in a taxing world. The endless pressure to keep up with our responsibilities and the daily headlines swarming around us can be overwhelming. DeBenedet's work comes at a time when stress, uncertainty, and intensity levels are high. Playful Intelligence shows adults that there is a way to live lighter--and smarter--as we navigate the seriousness of adulthood. It's not about taking life less seriously; it's about taking ourselves less seriously.The book's core chapters are devoted to exploring the effects and benefits of five playful qualities: imagination, sociability, humor, spontaneity, and wonder. By examining playfulness as a sum of its parts, readers will gain a working awareness of its power and be able to apply playful principles to their own lives, bringing the magic of childhood back into their day-to-day existence. The book also offers practical suggestions on how to make life more playful in nature.

    Be brave enough to follow it. Your life will never be the same!"Rated 5.0 stars from Readers' Favorite ReviewsHave you ever asked yourself why some people seem to get everything easily and others don’t? Do you feel like a victim of your circumstances? Are you tired of waiting for your life to change? Everything you have in your life today is a direct result of your thoughts, beliefs and expectations. And so is where YOU will be in 1, 5 or 10 YEARS! Nothing happens “JUST BECAUSE”. Find out how to take control and full responsibility of your life, and how a couple of small steps every day can change everything. 30 Days is not just a book that you read. To make it work YOU have to work and do the exercises it proposes consistently over time. In this simple, fast-paced eBook you will be learning what it takes to create the life you want. 30 Days is for people who are struggling, wanting to change their life, but they feel powerless and think change comes from the outside. They also keep doing the same things over and over expecting a different result, which Albert Einstein considered to be the purest form of insanity. If you want to change your life, you have to change your habits and start doing small things differently every day. Discover your enormous potential and… • Stop being a victim of the circumstances • Stop waiting for the miracle to happen and become one • Stop suffering and start creating the life you want • Improve your self-confidence • Improve your relationship with your spouse, colleagues, boss, etc. 30 Days is based on science, neuroscience, positive psychology and real-life examples Anyway. Don’t believe a word I say! Try it out for yourself. You already know everything that you will see in the book, but you have to put it into action. Some of the benefits that reading and working through the book can bring you: --> Get more self-confidence --> Fall in love with the most important person in your life – YOU --> Lose your fear of your emotions and learn to manage them --> Become wealthier, healthier and happier --> Find the job of your dreams --> Find love --> Start your own business --> Have an extraordinary life

    Busy people fail to manage their time efficiently for the same reasons the poor and those maxed out on credit cards fail to manage their money. The dynamics of scarcity reveal why dieters find it hard to resist temptation, why students and busy executives mismanage their time, and why sugarcane farmers are smarter after harvest than before. Once we start thinking in terms of scarcity and the strategies it imposes, the problems of modern life come into sharper focus.Mullainathan and Shafir discuss how scarcity affects our daily lives, recounting anecdotes of their own foibles and making surprising connections that bring this research alive. Their book provides a new way of understanding why the poor stay poor and the busy stay busy, and it reveals not only how scarcity leads us astray but also how individuals and organizations can better manage scarcity for greater satisfaction and success.http://us.macmillan.com/scarcity/Send...

     The world has led you to believe that financial freedom is not something you can willfully create in your life. You have been taught to view wealth as something that happens only to a lucky few who win a random business lottery or are blessed with unimaginable talent. The TRUTH is that creating excessive financial wealth does not come down to luck or talent. It comes down simply to your beliefs, understanding, and views--the "pillars" that reinforce your every action. Alex Becker not only breaks down the most important pillars for you, but also shows you how to bring them into your life TODAY to begin generating lifelong financial freedom. DISCOVER HOW TO: Successfully quit your 9 to 5 and take back your life without taking massive financial risks. Separate your time from money so that you are constantly getting paid (even in your sleep). Understand the lessons multimillionaires have learned through years of trial and error. Map out the exact steps needed to build million-dollar businesses. Skip time-wasting mistakes and learn how to make money quickly by focusing solely on what gets you paid.

    How she managed to get that kind of a scholarship offer is revealed in this book. Raised by a single mother, Kristina appeared to have everything stacked against her -- years of living below the poverty level, imperfect grades and sub-par SAT scores. Yet Kristina discovered the secrets to effectively presenting herself as a unique and desirable scholarship candidate. And she's sharing her secrets for scholarship success with students (and their parents) so that they too can obtain money for college.

    This is a book for the rest of us. - Victoria LabalmeIf you sense there's something more but you're not yet sure what it is...If you wish you had the courage to try something new...If you're struggling to figure out your next steps on a project, plan or path...Risk Forward will help you find your way.In this brief, easy-to-read, full color book experience, acclaimed keynote speaker and performance coach Victoria Labalme shares a series of strategies that are practical, reassuring, and radically freeing.Through these uniquely designed, whimsical, and thought-provoking pages, you'll learn:- How to navigate through uncertainty- The #1 question to identify what matters- Four insights to help you find your way- Why your disparate talents are essential to your path- How to handle moments of indecision- 3 key questions to ask when you get advice- How to stay on course and know that what you do makes a difference

    This series is not for novices. This booklet explores the notion that, as a general rule, no magic policy rich in high-return/low-correlation alternative asset classes exists that will simultaneously preserve upside reward and protect against downside losses. And as long as I'm lowering your expectations, this booklet is most certainly not a blueprint for the "perfect portfolio." You're an adult, after all, so you know that the future efficient frontier lies well beyond our ken; presumably you already know all about the mechanics, long-term benefits, as well as the uncertainties, of wide diversification and factor tilt using low-cost, efficient vehicles and the risk/reward spectrum between all-fixed-income and all-equity portfolios. Rather, this booklet provides a way of navigating a global investment landscape that grows ever more linked by the month, and a way of thinking about diversification.