Now, Ric reveals the deceptive and manipulative business practices occurring in your retail mutual funds—practices that are causing you to suffer higher fees, greater risks, and lower returns than you realize. In The Lies About Money, he offers you a detailed yet easy-to-follow plan that lets you take back control of your investments—and your financial future. Here, Ric shares his most valuable lessons gained through two decades of working directly with individuals and families. He reveals the lies that have infiltrated your retail mutual funds and retirement accounts and teaches you how to invest your money in your employer retirement plan; how to save for college; and for those who are retired, how to generate more income without sacrificing security. He shows you that proper money management has nothing to do with “hot tips” and everything to do with scientific analysis, bolstered by solid academic research and historical data. Along the way, Ric shows you the secrets to investment success—a long-term focus, the importance of diversification, and the crucial need for (and methods of) portfolio rebalancing. With insight and strategies that will change people's lives, The Lies About Money offers the truth that everyone is looking for.

    In His Needs, Her Needs, Willard Harley identifies the ten most vital needs of men and women and shows husbands and wives how to satisfy those needs in their spouses. He provides guidance for becoming irresistible to your spouse and for loving more creatively and sensitively, thereby eliminating the problems that often lead to extramarital affairs. The revised anniversary edition of His Needs, Her Needs is a celebration of how the book has helped thousands of couples revitalize their marriages during the last fifteen years. This best-seller identifies the causes of marital difficulties and instructs couples on how to prevent them, guiding them to build a relationship that sustains romance and increases intimacy. With today's soaring divorce rate and prevalence of affairs, Harley's insights are needed more than ever before.An unabridged recording of His Needs, Her Needs, the 15th anniversary edition, is now available as an audio book.

    But, actually, this isn't the case at all. In fact, these super-rich individuals realize that their money needs to work for them and so they learn how to take what are known as "calculated" risks. The super-rich are definitely not psychics, nor do they have a "magic" secret that they hold close to their own kind. In fact, their real secret lies in the fact that they know what simple investing mistakes should be avoided. And, in truth, these mistakes are common knowledge, even among those investors who are not particularly wealthy at all. Investing properly is a guided, purposeful tool for building and adding to wealth, but it is not only for the rich. Actually, anyone can get started quite easily, and there are multiple avenues that make it easy to begin, with small amounts to start up a portfolio. Additionally, what differentiates using investment (as opposed to gambling) is that it takes a period of time for the "magic" to happen. Therefore, it is not a get-rich-quick scheme, at all. I want us to be clear on that point from the get-go. By the end of this book, you'll have a great understanding of what investing is, and you will know how the magic of compounding works too. We'll take a look at other options that you might find useful, so then you'll have the knowledge you need before you get started with your own investing. Again, thank you for joining me here; it's my pleasure to guide you through this important information. I believe that knowledge is power, and I hope that you'll feel more comfortable once you get the real gist of how it all works, and how it can work really well for you.

    Through the Psalms, women can learn how to positively handle the disappointments of life, discern the comforting truth found in God’s Word, and be encouraged to deal with the waves of trials, depression, and discouragement.• Includes a 4-week Bible study

    The important thing is that he is caring for his flock well. This book by Pastor Mark Driscoll looks at the ways that a father can raise his children well.

    The book includes NKJV readings for every morning and evening of the year plus a topical index of 60 subjects.JCountryman offers the only leather edition which is available with tan or burgundy cover and features a gift box, ribbon, and gilded pages.

    The book burst upon the scene in the early seventies, and was swiftly acknowledged as a pioneering and prophetic approach to theology which famously made an option for the poor, placing the exploited, the alienated, and the economically wretched at the centre of a programme where "the oppressed and maimed and blind and lame" were prioritized at the expense of those who either maintained the status quo or who abused the structures of power for their own ends. This powerful, compassionate and radical book attracted criticism for daring to mix politics and religion in so explicit a manner, but was also welcomed by those who had the capacity to see that its agenda was nothing more nor less than to give "good news to the poor", and redeem God's people from bondage.

    Moore does not shy away from this call in Adopted for Life, a popular-level, practical manifesto for Christians to adopt children and to help equip other Christian families to do the same. He shows that adoption is not just about couples who want children-or who want more children. It is about an entire culture within evangelicalism, a culture that sees adoption as part of the Great Commission mandate and as a sign of the gospel itself.Moore, who adopted two boys from Russia and has spoken widely on the subject, writes for couples considering adoption, families who have adopted children, and pastors who wish to encourage adoption.

    . . let us press on to know the LORD . . . And He will come to us like the rain.” This verse is the essence of Downpour, a revival-ready book by Pastor James MacDonald. MacDonald writes with the desire to witness an absolute soaking of God's Spirit on the church in North America. He is grieved by statistics showing little or no difference between the lifestyles of professing Christians and their nonbelieving neighbors, and he counters that with a five-point outline that charts the pathway to personal revival.

    Children are hyper-aware of money, and they have scores of questions about its nuances. But when parents shy away from the topic, they lose a tremendous opportunity—not just to model the basic financial behaviors that are increasingly important for young adults but also to imprint lessons about what the family truly values.Written in a warm, accessible voice, grounded in real-world experience and stories from families with a range of incomes, The Opposite of Spoiled is both a practical guidebook and a values-based philosophy. The foundation of the book is a detailed blueprint for the best ways to handle the basics: the tooth fairy, allowance, chores, charity, saving, birthdays, holidays, cell phones, checking accounts, clothing, cars, part-time jobs, and college tuition. It identifies a set of traits and virtues that embody the opposite of spoiled, and shares how to embrace the topic of money to help parents raise kids who are more generous and less materialistic.But The Opposite of Spoiled is also a promise to our kids that we will make them better with money than we are. It is for all of the parents who know that honest conversations about money with their curious children can help them become more patient and prudent, but who don’t know how and when to start.

    then, by golly, stick a tiara on your head and go teach something!" Do you wish that you had the chance to sit down with a seasoned homeschooling veteran over a cup of tea and ask every question that comes to mind? Mother of seven and twelve year homeschooling veteran Rebecca Frech is the common-sense voice of experience and reassurance that you've been hoping to find. Teaching in Your Tiara is a soup-to-nuts homeschooling book that walks you through the first years - deciding that home education is right for your family, choosing the right curriculum, understanding learning styles, not raising socially awkward kids, maintaining your own identity, and more. Whether you're the parent who's already committed to homeschooling or you're just dipping your toe into the pool of consideration, this book is for you! Rebecca's logic, honesty, and humor will leave you both amused and well-informed about the realities of homeschooling and what it could mean for your family.

    With a growing family, increased work demands, and more, she understands the struggle it is to keep the plates spinning.In A Simplified Life, you’ll find Emily’s strategies, systems, and methods for permanently clearing the clutter, organizing your priorities, and living intentionally in 10 key areas—from your home and meal planning, to style and finances, parenting, faith life, and more. Emily will show you how to truly make the most of your days with realistic, achievable, and tactical tools.Walk alongside Emily through each page of the book, working through her simple strategies toward your own goals as you simplify and make space for what matters most.

    In Success God's Way, Stanley teaches God's principles for success, including ten steps to help you reach God's goals in your life, and what to do about the seven success blockers that entangle believers."Dr. Stanley has defined success in a timeless manner?knowing and doing the will of God. When a person knows Christ personally and consistently obeys the principles of Scripture, he is prepared for success God's way." ?Franklin Graham, Chairman and CEO, Samaritan's Purse; CEO, Billy Graham evangelistic Association"In a society that increasingly judges the success of individuals by the clothes they wear, the car they drive, the club they belong to, or the career they choose, the church desperately needs to reaffirm biblical standards. Once again, Dr. Stanley has brought clear focus to a timely issue. Success God's Way challenges readers to reexamine whether or not they are sacrificing genuine, lasting success on the altar of a worldly, temporary counterfeit and therefore sesttling for a lot less than what God wants to give them." ?Anne Graham Lotz, International Bible Teacher and Bestselling Author"In an age when our thinking is skewed, our zeal is waning, and our desire for excellence is deadened by apathetic self-centeredness, this book presents many biblical insights that challenge us to hear God's Word to Joshua to meditate on God's Word and be strong and courageous so we can have success." ?Kay Arthur, Precept Ministries International

    We know rest and reflection are necessary for a healthy life—even Jesus took time to get away from the crowds, away from the demands of everyday life, to pray, to spend time with close friends, to sleep. But when Carolyn Weber—emotionally and physically exhausted from managing her career as a college professor, writing her first book and parenting three children under the age of three—hears this truth from a friend, all she can think is: but who will do everything if I don't? And this sets her on a journey to find the still, small space in each day. In these pages Carolyn reflects on the eternal beauty that lurks within the present. Drawing from literature, history and everyday life, Holy Is the Day is a collection of spiritual reflections that trace the way God's ever-renewing grace is a gift of the present. Opening it we find poignant stories of endurance, humility, compassion, remembrance and gratitude, as well a harrowing account of near-death experience. Carolyn gives us new eyes to receive the precious gift of the present and give it away to others.

    With her signature mix of insight, compassion, and soul-deep recognition, she equips women with the financial knowledge and emotional awareness to overcome the blocks that have kept them from making more out of the money they make. At the center of the book is The Save Yourself Plan--a streamlined, five-month program that delivers genuine long-term financial security. But what's at stake is far bigger than money itself: It's about every woman's sense of who she is and what she deserves, and why it all begins with the decision to save yourself. Join the Movement to Save Yourself with this Unprecedented Offer to Readers of Women & Money: Suze Orman believes that having an account of your own is the cornerstone of long-term financial security, and so she has begun a national movement called Save Yourself to turn this wish--that every woman have an account in her own name--into a reality. She is joined in this crusade by the financial brokerage firm TD Ameritrade, which has come up with an extraordinary offer for readers of WOMEN & MONEY. Follow Suze's Save Yourself Plan and open an account in your name with TD Ameritrade. Commit to an automatic deposit of at least $50 per month for twelve consecutive months, and TD Ameritrade will provide the incentive in the form of a $100 deposit into your account in the thirteenth month. In other words, you save $600 or more over the course of a year, and TD Ameritrade will reward that effort with a $100 bonus. Learn more inside the book or at www.saveyourself.com.Offer valid for one new TD AMERITRADE account (non-retirement) opened between 2/27/07 and 3/31/08, and funded by 12 monthly consecutive automatic electronic deposits of $50 or more. First $50 must be deposited within 30 days of opening account. To be eligible, you must be a U.S. resident aged 18 or older. See www.saveyourself.com for obligations and limitations and to accept this offer. This is not an offer or solicitation in any jurisdiction where TD AMERITRADE is not authorized to do business. Random House, Inc., does not endorse, is not associated with, and has no responsibility for the TD AMERITRADE offer. TD AMERITRADE, Random House, Inc., and Suze Orman are separate and not affiliated, and each of them is not responsible for the services and information provided by the other(s). TD AMERITRADE, Inc., member NASD/SIPC.