If you’re like most people moving into the phase of life where protecting—as well as growing-- assets is paramount, you’re faced with a number of financial puzzles.  Maybe you’re struggling to get your kids through college without drawing down your life’s savings. Perhaps you sense your nest egg is at risk and want to move into safer investments. Maybe you’re contemplating downsizing to a smaller home, but aren’t sure of the financial implications. Possibly, medical expenses have become a bigger drain than you expected and you need help assessing options.  Perhaps you’ll shortly be eligible for social security but want to optimize when and how to take it.Whatever your specific financial issue, one thing is certain—your range of choices is vast. As the financial world becomes increasingly complex, what you need is deeply researched advice from professionals whose credentials are impeccable and who prize clarity and straightforwardness over financial mumbo-jumbo.Carrie Schwab-Pomerantz and the Schwab team have been helping clients tackle their toughest money issues for decades.  Through Carrie’s popular “Ask Carrie” columns, her leadership of the Charles Schwab Foundation, and her work across party lines through two White House administrations and with the President’s Advisory Council on Financial Capability, she has become one of America’s most trusted sources for financial advice. Here, Carrie will not only answer all the questions that keep you up at night, she’ll provide answers to many questions you haven’t considered but should.

    Your favorite ingredients are deliciously reimagined in Real Simple's latest cookbook that shows you how to spin 35 family staples into hundreds of hassle-free dishes. Organized from apples to zucchini, Dinner Made Simple is filled with 350 easy, quick dishes-many ready in 30 minutes or less-to help you get out of your recipe rut. With 10 ideas for every ingredient, you'll never look at a box of spaghetti, a bunch of carrots, or a ball of pizza dough the same way again.With helpful advice on buying and storing ingredients, genius kitchen tips, nutritional information for every recipe, and a complete dessert section (yes!), Dinner Made Simple is your new go-to resource for creating inspiring dishes all week long.

    Learn how to accelerate your financial independence:What you must know to retire soonerThe single most important factor for monitoring and achieving financial independenceThe potential retirement lifestyles, and how much they will cost youSecrets to controlling inflation in your lifestyleThe essential money tools for achieving financial independenceA quick introduction to safe, simple passive index investingHow soon you could actually retire: the critical relation between savings rate and working yearsA gold mine of proven tips for cutting expenses and spending lessThe 4 proven strategies for boosting income and building wealth

    In The Gentle Art of Swedish Death Cleaning, artist Margareta Magnusson, with Scandinavian humor and wisdom, instructs readers to embrace minimalism. Her radical and joyous method for putting things in order helps families broach sensitive conversations, and makes the process uplifting rather than overwhelming.Margareta suggests which possessions you can easily get rid of (unworn clothes, unwanted presents, more plates than you’d ever use) and which you might want to keep (photographs, love letters, a few of your children’s art projects). Digging into her late husband’s tool shed, and her own secret drawer of vices, Margareta introduces an element of fun to a potentially daunting task. Along the way readers get a glimpse into her life in Sweden, and also become more comfortable with the idea of letting go.

    publishers. Learn how to start your business part-time, then work as little or as much as you want. This step-by-step guide, written by one of the most successful and highly rated sellers on Amazon.com and eBay, includes everything you need to know: -- Where to find books Find books in your own neighborhood to resell profitably to a worldwide pool of ready buyers. Get the best sources for valuable used books at low prices. -- Where to sell Learn how to list your books to sell at the best price on Amazon.com and eBay, and even your own Web store. -- Which books to buy What to look for in fiction, nonfiction, and collectibles to resell at the highest profits. -- Grading and pricing your books How to describe and price your books. Learn what buyers are looking for. -- Handling customers Tips on handling online book buyers. See the author's time-tested scripts for responding to customer issues. Learn how you can get and maintain high feedback ratings. -- Fulfilling orders Easy-to-use ideas for storing, organizing, and shipping your books and handling returns. -- Automation tools Maximize your efficiency with these tips on automating your business. Automatically notify customers about shipments, and print postage to ship your books without leaving home. -- Taxes and legal requirements How to register your business to obtain the proper permits and be exempted from paying sales tax on your inventory. -- Exclusive list of wholesale book distributors Exclusive profiles and contact info for 32 wholesale distributors of used and new books. Order inventory at up to 90 percent off retail, shipped right to your door. About the author: Steve Weber started his home-based bookstore as a hobby in March 2000. Two months later, he quit his day job to sell used books full-time on Amazon.com and eBay, using his one-bedroom apartment in Virginia as warehouse and shipping depot. In the meantime, he has sold more than $1 million of used books to buyers in all 50 states and 31 foreign countries. In this step-by-step guide, Weber tells you how he took $80 in savings to buy his first batch of books, then invested the profits to build a successful business, and how you can too.

    They want their ceremony, their way but don't know where to begin or what questions they need to ask. The Wedding Ceremony Planner is a comprehensive and user-friendly guide. It covers everything you need to know to create a beautiful ceremony text and to anticipate and address all the profound and mundane logistics with ease, grace and fun. It includes hundreds of text excerpts reflecting the many voices with which our hearts speak. There are also ten sample ceremony texts for the inclusion of children, the telling of the couple's story, the renewal of vows and a commitment ceremony. Checklists and worksheets are included to manage all the details. The Wedding Ceremony Planner is also an invaluable resource for clergy of all faiths, wedding planners and location coordinators. Sprinkled with anecdotes about lessons learned by couples creating their weddings, this book is filled with the wisdom of experience Praise for The Wedding Ceremony Planner "Weddings are sacred acts surrounded by material hoopla. The Wedding Ceremony Planner clarifies the worldly issues but keeps the spirit central. It's the balance that every couple needs."-Marianne Williamson, author, The Gift of Change "With countless samples of ceremony segments and worksheets to put them all together, The Wedding Ceremony Planner affirms what we all hope for: to communicate our love in a clear, heartfelt manner that truly reflects who we are."-Jack Canfield, co-author, Chicken Soup for the Bride's Soul(r) "In this time of increasing exchange and friendship between people of many cultures ... what the world needs is an intelligent and compassionate 'how to' book on performing interfaith ceremonies. This book is an excellent example."-The Very Reverend James Parks Morton Founder and President of the Interfaith Center of New York "[This book] was [wonderful] in helping us create our wedding ceremony. Not only was it easy to follow, but it made us think of things we never would have thought of on our own ... Going through the book also brought us closer ... it is the one thing we have sat down and done 100% together."-Jennifer Buehler and Frank Yanoti Jr., Bride and Groom "Planning the wedding ceremony in itself can be a process of discovery for a couple entering marriage ... this marvelous book ... help[s] couples design a ceremony that truly and personally characterizes the meaning and uniqueness of each union."-Pril Smiley, Mohonk Mountain House "This book will aid and guide the couple in the creation of their unique wedding ceremony that appropriately states their personal beliefs. How refreshing, how important, how appropriate to help make the wedding yours."-Alexandra Stoddard, author of Choosing Happiness

    MILK STREET FAST & SLOW is the first book showing home cooks how to make the most of every application of their handiest appliance, whether they need a quick tomato sauce in just 20 minutes from start to finish, or a slow-braised roast for a celebratory Sunday evening. Along the way, each of the more than 75 recipes is designed to be cooked entirely inside your multi-cooker or Instant Pot, with timings, ingredients, and techniques to cook each dish using either the slow-cooker or the quick-cooking pressure cooker function, at your preference--so you can enjoy each delicious dish on your schedule.With the clean recipe design, easy-to-follow instructions, and cookable recipes Milk Street fans have come to expect, MILK STREET FAST AND SLOW will teach any multi-cooker fanatic how to make the most of it--the Milk Street way.

    Retirement: The Psychology of Reinvention uses psychological research and a unique visual style of infographics and illustrations to provide readers with a retirement roadmap just right for them.Fully illustrated, with constructive advice for all retirees - whatever the age and circumstances - and inspirational guidance from a wealth of sources, Retirement: The Psychology of Reinvention answers all the questions readers are likely to ask at any stage of retirement.Reviews:"For readers who want a well-researched field guide... this will be a valuable armchair resource, with its many points to consider and discuss." - Publishers Weekly"The book's big-picture perspective takes in all aspects of what goes into choosing what comes next, from work and money to values, interests, skills, talents and aspiration." - The Wall Street Journal"Presenting practical advice and research-based findings, this work provides readers with a dress rehearsal as they prepare for their next role in this play called life." - Library Journal

    Since then, the ways we process written language have changed dramatically with many concerned about both their own changes and that of children. New research on the reading brain chronicles these changes in the brains of children and adults as they learn to read while immersed in a digitally dominated medium.Drawing deeply on this research, this book comprises a series of letters Wolf writes to us—her beloved readers—to describe her concerns and her hopes about what is happening to the reading brain as it unavoidably changes to adapt to digital mediums. Wolf raises difficult questions, including:Will children learn to incorporate the full range of "deep reading" processes that are at the core of the expert reading brain?Will the mix of a seemingly infinite set of distractions for children’s attention and their quick access to immediate, voluminous information alter their ability to think for themselves?With information at their fingertips, will the next generation learn to build their own storehouse of knowledge, which could impede the ability to make analogies and draw inferences from what they know?Will all these influences, in turn, change the formation in children and the use in adults of "slower" cognitive processes like critical thinking, personal reflection, imagination, and empathy that comprise deep reading and that influence both how we think and how we live our lives?Will the chain of digital influences ultimately influence the use of the critical analytical and empathic capacities necessary for a democratic society?How can we preserve deep reading processes in future iterations of the reading brain?Who are the "good readers" of every epoch?Concerns about attention span, critical reasoning, and over-reliance on technology are never just about children—Wolf herself has found that, though she is a reading expert, her ability to read deeply has been impacted as she has become, inevitably, increasingly dependent on screens.Wolf draws on neuroscience, literature, education, technology, and philosophy and blends historical, literary, and scientific facts with down-to-earth examples and warm anecdotes to illuminate complex ideas that culminate in a proposal for a biliterate reading brain. Provocative and intriguing, Reader, Come Home is a roadmap that provides a cautionary but hopeful perspective on the impact of technology on our brains and our most essential intellectual capacities—and what this could mean for our future.

    We spend endless hours obsessing over our budgets and investments, trying to figure out ways to stretch every dollar. We try to follow the advice of money gurus and financial planners, then kick ourselves whenever we spend too much or save too little. For all of the stress and effort we put into every choice, why are most of us unhappy about our finances?According to Laura Vanderkam, the key is to change your perspective. Instead of looking at money as a scarce resource, consider it a tool that you can use creatively to build a better life for yourself and the people you care about. For instance, the average couple spends $5,000 on engagement and wedding rings, making these pricey purchases largely because everyone else does. But what if you decided to spend $300 on rings and apply the rest to future date nights, weekend getaways, and thinking-of-you bouquets over the next ten years? In he long run, what would bring more joy to your marriage? Likewise, will owning a home with a pristine lawn and a two-car garage—the American Dream—really make you more satisfied? Or are you saving up for this investment just because financial planners tell you it’s worth it?Vanderkam shows how each of us can figure out better ways to use what we have to build the lives we want. Drawing on the latest happiness research as well as the stories of dozens of real people, Vanderkam offers a contrarian approach that forces us to examine our own beliefs, goals, and values.Among her advice:Laugh at the Joneses: It’s human nature to compare yourself to those around you, but you can create lifestyle hat rings you personal satisfaction without copying your neighbors.Give yourself the best weekend ever: Studies show that experiences often bring more pleasure than material goods. With a little planning and creativity, you can give yourself a memorable getaway without leaving town or going broke.Embrace the selfish joy of giving: Giving back not only helps you build karma, it also helps you build a community—which is much more fulfilling than a tax deduction. All the Money in the World is a practical and inspiring guide that shows how money can buy happiness—if we spend it wisely.

    Explaining in specific terms what benefits a trust will have, Ronald Farrington Sharp gives the tools necessary to set up a loved one’s trust with no lawyers and no expense. Wills benefit lawyers. Trusts benefit the clients. Too often lawyers sell wills to clients only to sit back and wait to sell their probate services to their clients’ heirs. Ronald Farrington Sharp describes the best way to handle modern estate planning and details the many advantages trusts have over wills in not only eliminating probate but in also protecting your assets for your heirs. Sharp explains why legal services are not needed to do the clerical work in settling a trust after death. This updated edition includes new information on an array of subjects, including: Elimination of the federal estate tax for most estates due to increased exemption amounts Online assets The use of passwords, usernames, and websites Keeping trustees honest and the process of removing trustees for malfeasance Forms for simplifying the planning process Strategies to lower attorneys’ fees>/li> With no legal jargon, just step-by-step instructions and sample form letters, Living Trusts for Everyone takes the mystery out of the process of setting up a trust.

    In 1950, only 22 percent of American adults were single. Today, more than 50 percent of American adults are single, and 31 million, roughly one out of every seven adults, live alone. People who live alone make up 28 percent of all U.S. households, which makes them more common than any other domestic unit, including the nuclear family. In Going Solo, renowned sociologist and author Eric Klinenberg proves that these numbers are more than just a passing trend. They are, in fact, evidence of the biggest demographic shift since the Baby Boom: we are learning to go solo, and crafting new ways of living in the process.Klinenberg explores the dramatic rise of solo living, and examines the seismic impact it’s having on our culture, business, and politics. Though conventional wisdom tells us that living by oneself leads to loneliness and isolation, Klinenberg shows that most solo dwellers are deeply engaged in social and civic life. In fact, compared with their married counterparts, they are more likely to eat out and exercise, go to art and music classes, attend public events and lectures, and volunteer. There’s even evidence that people who live alone enjoy better mental health than unmarried people who live with others and have more environmentally sustainable lifestyles than families, since they favor urban apartments over large suburban homes. Drawing on over three hundred in-depth interviews with men and women of all ages and every class, Klinenberg reaches a startling conclusion: in a world of ubiquitous media and hyperconnectivity, this way of life can help us discover ourselves and appreciate the pleasure of good company.With eye-opening statistics, original data, and vivid portraits of people who go solo, Klinenberg upends conventional wisdom to deliver the definitive take on how the rise of living alone is transforming the American experience. Going Solo is a powerful and necessary assessment of an unprecedented social change.

    But the most important, consequential, and widening gap in American society is between the upper middle class and everyone else.Reeves defines the upper middle class as those whose incomes are in the top 20 percent of American society. Income is not the only way to measure a society, but in a market economy it is crucial because access to money generally determines who gets the best quality education, housing, health care, and other necessary goods and services.As Reeves shows, the growing separation between the upper middle class and everyone else can be seen in family structure, neighborhoods, attitudes, and lifestyle. Those at the top of the income ladder are becoming more effective at passing on their status to their children, reducing overall social mobility. The result is not just an economic divide but a fracturing of American society along class lines. Upper-middle-class children become upper-middle-class adults.These trends matter because the separation and perpetuation of the upper middle class corrode prospects for more progressive approaches to policy. Various forms of “opportunity hoarding” among the upper middle class make it harder for others to rise up to the top rung. Examples include zoning laws and schooling, occupational licensing, college application procedures, and the allocation of internships. Upper-middle-class opportunity hoarding, Reeves argues, results in a less competitive economy as well as a less open society.Inequality is inevitable and can even be good, within limits. But Reeves argues that society can take effective action to reduce opportunity hoarding and thus promote broader opportunity. This fascinating book shows how American society has become the very class-defined society that earlier Americans rebelled against—and what can be done to restore a more equitable society.

    But what is American democracy? In America (The Book), Jon Stewart and The Daily Show writing staff offer their insights into our unique system of government, dissecting its institutions, explaining its history and processes, and exploring the reasons why concepts like one man, one vote, government by the people, and every vote counts have become such popular urban myths. Topics include: Ancient Rome: The First Republicans; The Founding Fathers: Young, Gifted, and White; The Media: Can it Be Stopped?; and more!

    They are places for research, refuge, and reflection--where students create, collaborate, communicate, and develop skills in critical thinking and compassion. Learn 10 ways to create the library learning environment that every child deserves. In Hacking School Libraries, 2015 School Librarian of the Year, Kristina A. Holzweiss, and 2017 Sensational Student Voice Award finalist, Stony Evans, bring you 10 practical hacks that will help you create a welcoming and exciting school library program. They show you how to rethink your library to become the hub of the school community, whether you are a veteran librarian or just beginning your career. Hacking School Libraries isn't just for librarians. It's for any educator who wants to learn how to transform your learning space provide hands-on learning opportunities empower your students bring curriculum to life differentiate instruction effectively raise funds advocate for modern school libraries establish global connections celebrate reading What the experts say: "When I learned that Kristina and Stony were writing a book to fit into one of my favorite series, I was so excited and couldn’t think of a better duo to do so! School librarians will find Hacking School Libraries such an amazing read and resource in so many ways. The hacks found in this book are terrific for any grade level and will help guide librarians to make a difference in their library, school, and community!" -Shannon McClintock Miller, Teacher Librarian and Iowa Future Ready Librarian Spokesperson "Authors Kristina Holzweiss and Stony Evans are two of the most respected thought leaders and practitioners in the school library field. Their book, Hacking School Libraries, is an essential resource for any modern-day library media specialist. It is filled with actionable tips and strategies that anyone can easily implement tomorrow." -Laura Fleming, Library Media Specialist, bestselling author of Worlds of Making and The Kickstart Guide to Making Great Makerspaces Grab Hacking School Libraries today, and incorporate library media centers into your learning community tomorrow.