That won’t happen if you use a few tricks for squeezing higher payments from your assets—from your Social Security account (find the hidden values there), pension (monthly income or lump sum?), home equity (sell and invest the proceeds or take a reverse mortgage?), savings (should you buy a lifetime annuity?), and retirement accounts (how to invest and—critically—how much to withdraw from your savings each year?). The right moves will not only raise the amount you have to spend, they’ll stretch out your money over many more years.You will also learn to look at your savings and investments in a new way. If you stick with super-safe choices the money might not last. You need safe money to help pay the bills in your early retirement years. But to ensure that you’ll still have spending money 10 and 20 years from now, you have to invest for growth, today. Quinn shows you how. At a time when people are living longer, yet retiring with a smaller pot of savings than they’d hoped for, this book will become the essential guide.

    Another bolts across a busy parking lot, turns and smiles at his mom. An eighteen-year-old student bursts into tears when asked to change activities at school. Sound familiar? These and other common behavior issues in children with Down syndrome can quickly become engrained and may even persist into adulthood. No parent wants that to happen, and thankfully, help is available! Dr. David Stein, a psychologist and Co-Director of the Down Syndrome Program at Boston Children's Hospital, shares his approach to behavior management in this new book for parents. Supporting Positive Behavior in Children and Teens with Down Syndrome examines how the brain of a person with Down syndrome works, how those differences impact behavior, and why bad behavior should not be viewed as a willful act. Governed by this new awareness, parents are in a better position to change and manage their child's behavior using these guiding principles: [[Be proactive, not reactive [[Be consistent [[Use visual schedules & Social Stories to direct behavior [[Develop a token reward chart [[Keep gut reactions in check [[Teach siblings to ignore bad behavior [[Learn effective disciplinary techniques [[Know when professional help is needed Some of these parenting concepts are intuitive, others are not, but when they are followed consistently, children and teens with Down syndrome do their best behaviorally and the parent-child relationship remains as positive and loving as it should be.

    From the balconies of Manhattan to the patios of Malibu to the backyards of Chicago, anybody with a few square feet of earth is doing their best to make their little corner of the world more gracious and beautiful. And the best thing is, you really don't have to be born with a green thumb to give life to a glorious garden. Anybody can do it with a little coaching. Which is where Gardening All-in-One For Dummies comes in.Puzzled by pruning? Baffled by bulbs? Can't tell a hosta from a hyacinth? Don't worry! This all-in-one reference delivers the know-how you need to transform your little patch of the outdoors into a blooming paradise. Drawing upon the expertise of the National Gardening Association, it gets you up to speed on:Basic gardening skills--from understanding your microclimate to using gardening tools to managing pests and common plant diseases How to design, plan and build a garden landscape that reflects your unique sense of style Selecting, planting and maintaining stunning roses Building a raised bed for your perennials and making them bloom in any climate Choose, grow and maintain annuals From amaryllis to spider dahlias to wood tulips--coaxing beauty from homely bulbs Enjoying nature's bounty by growing you own vegetables and herbs A veritable encyclopedia of gardening, this Gardening All-in-One For Dummies is an indispensable resource for novices and experienced gardeners alike. It brings together between the covers of a single volume seven great books covering:Gardening Basics Garden Design Roses Perennials Annuals Bulbs Vegetables and Herbs Your one-step guide to a beautiful garden, Gardening All-in-One For Dummies shows you how to experience the "purest of human pleasures" in your own backyard.

    You should never quit your day job, but your ultimate goal should be to quit your day job. It's an endless, confusing, and often controversial conversation that, despite our bare-it-all culture, still remains taboo. In Scratch, Manjula Martin has gathered interviews and essays from established and rising authors to confront the age-old question: how do creative people make money? As contributors including Jonathan Franzen, Cheryl Strayed, Roxane Gay, Nick Hornby, Susan Orlean, Alexander Chee, Daniel Jose Older, Jennifer Weiner, and Yiyun Li candidly and emotionally discuss money, MFA programs, teaching fellowships, finally getting published, and what success really means to them, Scratch honestly addresses the tensions between writing and money, work and life, literature and commerce. The result is an entertaining and inspiring book that helps readers and writers understand what it's really like to make art in a world that runs on money-and why it matters.

    There, the vending machines were stocked with painkillers, and the staff turnover was dizzying. In the new year, she traveled to North Carolina to work at a call center, a place where even bathroom breaks were timed to the second. And finally, Guendelsberger was hired at a San Francisco McDonald's, narrowly escaping revenge-seeking customers who pelted her with condiments.Across three jobs, and in three different parts of the country, Guendelsberger directly took part in the revolution changing the U.S. workplace. On the Clock takes us behind the scenes of the fastest-growing segment of the American workforce to understand the future of work in America--and its present. Until robots pack boxes, resolve billing issues, and make fast food, human beings supervised by AI will continue to get the job done. Guendelsberger shows us how workers went from being the most expensive element of production to the cheapest--and how low-wage jobs have been remade to serve the ideals of efficiency, at the cost of humanity.On the Clock explores the lengths that half of Americans will go to to make a living, offering not only a better understanding of the modern workplace, but also surprising solutions to make work more humane.

    WordPress expert Lisa Sabin-Wilson makes it easy for anyone with a basic knowledge of the WordPress software to create a custom site using complimentary technologies including CSS, HTML, and PHP. This easy-to-follow, full-color guide helps you identify the tools and technologies you need to create the site you envision, build a user-friendly navigation system, select colors and layouts, work with existing WordPress themes, and even develop your own theme to personalize your site.WordPress offers a versatile tool for building customized Web sites; this full-color book walks you through the process, explains the complimentary technologies involved, and shows you how to select colors, fonts, and themes Case studies illustrate the process and the effects that can be achieved Shows how to incorporate WordPress templates, graphic design principles, HTML, CSS, and PHP to build a truly one-of-a-kind Web site If you know how to use WordPress software to create a blog, WordPress Web Design For Dummies will enable you to quickly and easily construct a unique Web site for your business, organization, or personal use.

    As he reveals in The Capitalist Code, "Life can be faced by moaning and complaining or it can be faced by study, work, optimism, and faith in the free capitalist system. Guess which side gets the happier life?"Most Americans have not inherited wealth or a successful business that could set them up for life. That means most Americans are destined for financial worry and concern for the rest of their lives. Right? Wrong! Ben Stein explains how the wonderful system of stock market capitalism can allow any American to build financial security. In this succinct guide, you will learn: Why it really is better to have money— and how to get there How to save first, and then spend— automatically Why investing in great companies is easier than you think That's what this book is all about: how to harness the incredible power of the U.S. economy for enjoyment and security by being owners of profitable businesses-by consistent, conservative investment starting as young as possible in a diversified port- folio of stocks. Anyone can be a capitalist—and should be. All it takes is a little bit of knowledge and an even smaller amount of action. All it takes is The Capitalist Code.

    This book shows you writing methods to get best qualified, referred to a supervisor, interviewed, and hired! Effectively include KSAs in your resume with accomplishments. Maximize readability with the Outline Format federal resume. Analyze vacancy announcements for keywords. Master the Assessment Questionnaire. Format your USAJOBS federal resume for readability. Includes dozens of sample federal resumes in the Outline Format with KSAs!

    In short, it's the brain and heart of your computer. The simple steps and friendly advice inside help you manage files and applications, connect to the Internet, customize your Windows experience, and make repairs when things go haywire.Fast answers to Windows 10 questions Steps for customizing your Windows 10 PC Tips for solving common Windows problems Covers using Windows 10 on a tablet If you're new to Windows or upgrading to its new operating system, grab this book to get to know Windows 10 a little better.

    Decorating ideas to achieve a cottage look that’s clean, simple, and light.New and remodeled homes that incorporate cottage style via architectural features and easy decorating choices.Secrets to creating harmony and simplicity with paint, furniture, fabrics, and accessories.Examples of projects in the country, the woods, suburbia, and oceanfront locations.Practical ideas and decorating techniques to create a comfortable getaway look.Effective color schemes that achieve a serene palette.

    From enthusiasts to those who have just been introduced to the beautiful world of photography, knowing the craft and equipment is essential. This little comprehensive guide for beginners will take you on an amazing journey of discovering how wonderful Digital Photography is and how mesmerizing the art can be. From the advantages of SLR and the importance of shutter speed, to the types of lenses and the significance of good lighting, you will soon be on your journey to capturing the most stunning pictures and a kaleidoscope of dazzling sights to be eternalized. Technology is ever changing and now with Digital Photography, the world can be seen in vivid colors through your art. Begin your journey right here, right now.

    But real estate agents and home buyers should also study it because of the valuable insights offered by a longtime, very successful real estate broker. On my scale of one to 10, this superb book rates an off-the-chart 12." --Robert Bruss You've probably seen TV shows like Flip This House and Flip That House, in which Real estate investors buy, renovate, and sell a house in a matter of weeks for tens of thousands of dollars in profit. They make flipping houses look so easy that you want to jump out of your recliner (during the next commercial, of course), run down the street, find a house for sale, flip it for a 50 percent profit, and run back home to continue watching the show.I, Ralph Roberts, have flipped hundreds of houses, and it's never as easy as it looks on TV. People don't generally line up at your front door begging you to buy their house for 30-50 percent below market value. Renovation expenses always exceed estimates. And you can't always sell a house for what you think it's worth.Flipping houses for a profit requires time, money, and what I like to call sticktoitism--dogged determination in the face of overwhelming uncertainty.Not just another house flipping bookYou can find plenty of books about flipping houses that claim "anyone can do it" and make flipping look easy and risk-free. Flipping Houses For Dummies takes a different approach--honesty. We don't claim that flipping houses is "easy" or "simple" or "risk-free," because, quite frankly, it isn't.Flipping Houses For Dummies reveals the risks and rewards of flipping properties; helps you determine whether you have the time, energy, cash, and other resources to be successful; and then conveys the expert knowledge that those who wish to pursue house flipping need in order to minimize risk and maximize potential profits in a very competitive market. Did you know?Most books on flipping houses gloss over the key factors that that make or break the novice house flipper. These are the very items we focus on in Flipping Houses For Dummies. For example, did you know:You should secure financing before you look at houses. As a flipper, you want dontwanners--houses that the owners obviously don't want. You make your profit when you buy the property. You realize your profit when you sell. Always plan on earning at least 20 percent after your total investment--purchase price, repairs and renovations, real estate agent commissions, and holding costs (monthly mortgage payments, insurance, property taxes, and utilities). Working with a top-notch real estate agent can save you thousands of dollars more than what you pay in commissions. You should choose a limited geographical area to work and then become an expert on the houses and property values in that area. Your goal when renovating a home should be to bring the property up to market standards, not exceed them. A flipping book for real people Flipping Houses For Dummies speaks to the mom and pop investor, steering you clear of the gray areas, which tend to carry high-risks and low-returns, into safer, more potentially profitable areas. We encourage you invest in your comfort zone and take on bigger, riskier projects with higher profit potential only when you're ready.In Flipping Houses For Dummies we stress that the first flip is the most important one, and we take the guesswork out of the first transaction, to lead you through a positive first experience on which to build a promising real estate investment portfolio.Flipping Houses For Dummies provides plenty of examples of successful and not-so-successful property flips, presenting the total investment (in time and money), the work involved, and the net profit. Before-and-after photos visually illustrate the positive transformations from run-down-shacks to showcase homes.

    Popular opinion typically tells a one-sided story of parents who got what they deserved or overly entitled adult children who wrongly blame their parents. However, the reasons for estrangement are far more complex and varied. As a result of rising rates of individualism, an increasing cultural emphasis on happiness, growing economic insecurity, and a historically recent perception that parents are obstacles to personal growth, many parents find themselves forever shut out of the lives of their adult children and grandchildren.As a trusted psychologist whose own daughter cut off contact for several years and eventually reconciled, Dr. Joshua Coleman is uniquely qualified to guide parents in navigating these fraught interactions. He helps to alleviate the ongoing feelings of shame, hurt, guilt, and sorrow that commonly attend these dynamics. By placing estrangement into a cultural context, Dr. Coleman helps parents better understand the mindset of their adult children and teaches them how to implement the strategies for reconciliation and healing that he has seen work in his forty years of practice. Rules of Estrangement gives parents the language and the emotional tools to engage in meaningful conversation with their child, the framework to cultivate a healthy relationship moving forward, and the ability to move on if reconciliation is no longer possible.While estrangement is a complex and tender topic, Dr. Coleman's insightful approach is based on empathy and understanding for both the parent and the adult child.

    Given the new normal, how do you plan for a future filled with prosperity, health, and happiness? As a companion to What Color Is Your Parachute?, the world’s best-selling career book, What Color Is Your Parachute? for Retirement offers both a holistic, big-picture look at these years as well as practical tools and exercises to help you build a life full of security, vitality, and community.This second edition contains updates throughout, including a section on Social Security, an in-depth exercise on values and how they inform your retirement map, and the one-of-a-kind resource for organizing the sea of information on finances and mental and physical health: the Retirement Well-Being Profile. More than a guide on where to live, how to stay active, or which investments to choose, What Color Is Your Parachute? for Retirement helps you develop a detailed picture of your ideal retirement, so that—whether you’re planning retirement or are there already—you can take a comprehensive approach to make the most of these vital years.

    Senator Ben Sasse warns the nation about the existential threat to America's future. Raised by well-meaning but overprotective parents and coddled by well-meaning but misbegotten government programs, America's youth are ill-equipped to survive in our highly-competitive global economy. Many of the coming-of-age rituals that have defined the American experience since the Founding: learning the value of working with your hands, leaving home to start a family, becoming economically self-reliant—are being delayed or skipped altogether. The statistics are daunting: 30% of college students drop out after the first year, and only 4 in 10 graduate. One in three 18-to-34 year-olds live with their parents. From these disparate phenomena: Nebraska Senator Ben Sasse who as president of a Midwestern college observed the trials of this generation up close, sees an existential threat to the American way of life.In The Vanishing American Adult, Sasse diagnoses the causes of a generation that can't grow up and offers a path for raising children to become active and engaged citizens. He identifies core formative experiences that all young people should pursue: hard work to appreciate the benefits of labor, travel to understand deprivation and want, the power of reading, the importance of nurturing your body—and explains how parents can encourage them.Our democracy depends on responsible, contributing adults to function properly—without them America falls prey to populist demagogues. A call to arms, The Vanishing American Adult will ignite a much-needed debate about the link between the way we're raising our children and the future of our country.