Radical Frugality tells the story of 5 people who did it: Paul, 27, discovering how to overcome student loan debt; David and Winona, late 40's, living their retirement dream today; and Dan and Charlotte, family of 4, with an underwater mortgage. Waking up every morning debt-free with cash in your pocket helps your brain feel safe, secure, and smart. Embracing the concepts in this book frees you from the overwhelming anxiety of the consumer lifestyle by showing you how to take control. You can start today. What if you could spend 66% less money than you spend today setting yourself up to live a self-determined lifestyle doing exactly what you love to do regardless of financial compensation? Radical Frugality shows you exactly how to achieve those goals within one to five years. Using our step-by-step common sense plan, we teach you what to do (break the spell of the consumer credit con), when to do it (planning and preparation), and most importantly where to do it (discover the 5 top cities for living frugally). We'll help you evaluate your financial situation. Are you in the Yellow Zone, the Orange Zone, the Red Zone, or even the Dead Zone (paying debt with debt)? This book lays out a plan for how to pay off your debt and get into the Neutral Zone (getting back to monthly break-even), the Green Zone (debt free with $1,000 a month free cash-flow) or even the Golden Zone (living a self-determined life). Whether you are desperate right now about your financial situation, facing retirement, just starting out, or just plain tired and worn-out from struggling to pay bills, Radical Frugality can show you over 100 tips for feeling better today. Radical Frugality offers a soup to nuts plan for living a self-determined life that will leave you happier and healthier than ever before. CHAPTER ONE: IT'S NOT ABOUT WHAT YOU EARN—IT'S ABOUT WHAT YOU SPEND. HOW TO TAKE CONTROL CHAPTER TWO: THE CONSUMER CREDIT CON. HOW MARKETERS PLAY TRICKS ON YOUR BRAIN CHAPTER THREE: WHY FRUGALITY? GETTING STRAIGHT ABOUT WHY YOU'RE ON THE PLANET CHAPTER FOUR: WHO ARE YOU TODAY? EVALUATE YOUR SPENDING PROFILE CHAPTER FIVE: HOW TO DO IT. YOUR STEP BY STEP PLAN TO GAIN CONTROL CHAPTER SIX: GOING GREEN AND NEVER LOOKING BACK. THIS IS YOUR BRAIN ON CASH CHAPTER SEVEN: WHEN WILL YOU BE READY? LEARNING TO ASK THE RIGHT QUESTIONS CHAPTER EIGHT: LIVING THE DREAM. WHERE YOU LIVE DETERMINES HOW YOU LIVE

     This book will start you on your journey to stop enabling. If you just can’t maintain boundaries with your adult child/children, and you find yourself constantly taken advantage of, then this book is for you. Discover the wealth of shared experience that can exist in a parent/adult child relationship that is not dominated by unrealistic expectations, manipulations and resentment. The goal is to empower you, as you understand the enabling cycle and then learn some very practical tools to help you stop. The enabling cycle can be challenged, and change will happen. Getting your power back in your life, and feeling the freedom of being in control of your decisions is an amazingly freeing process. It does however take work, and that is where this very practical book can get you started. You may find that your needs are constantly disregarded, while your adult child expects you to continually be there to pick up the pieces and rescue them again and again. It is time to learn HOW TO put firm boundaries in place in a calm and dignified manner. This book will help you see what lies are keeping you in your current stressful and unfulfilled situation. You will learn how to start the journey towards sharing a mutually fulfilling mature relationship with your adult child. Here Is A Preview Of What You'll Learn Understanding the Enabler or Rescuer How the Enabling Cycle Continues and Grows Boundaries Are Your Friend! Dignified Assertiveness The Importance of Individuation It’s Not Cruel To Say ‘No’! Changing Your Thinking (Cognitive Behavioral Therapy) Practical Steps For Putting Your New Thinking and Boundaries Into Action Take action right away to start your empowering journey today by downloading this book, "How To Stop Enabling Your Adult Children", for a limited time discount of only $0.99! Tags: enabling adult children, rescuing, relationships, parenting, boundaries, enabling, individuation, cognitive behavioural therapy, CBT, self-talk, healthy boundaries

    Meditation Now: A Beginner’s Guide provides friendly advice, step-by-step guidance, and a range of ten-minute meditations that fit easily into tight schedules. Filled with time-honored practices and insightful discussions, Meditation Now: A Beginner’s Guide makes it easy to learn meditation, with: • Step-by-step instructions for 18 meditation techniques that can be practiced anytime, anywhere • 14 “Take Ten” meditations to promote mindfulness in everyday situations like traffic jams and work presentations • Essential advice and guidelines for overcoming common obstacles like boredom and relating skillfully to thoughts and emotions • 3 focused 28-day meditation plans for those months when you need extra emotional support, happiness, or relaxation • Inspirational quotations and practical tips that motivate you to deepen your practice With Meditation Now: A Beginner’s Guide, peace, clarity, and wisdom can be yours with just ten minutes of restful breathing a day.

    The typical American trades the vast majority of their time and energy for the hope that, someday, they will be free. Meanwhile, their intense pursuit of financial success is the very thing robbing them of freedom. So, Where Do We Find Freedom? What Should We Pursue/ In Lifeonaire, Steve Cook and Shaun McCloskey challenge you to consider what it is that you really desire. Through this story, they show how Americans often blindly pursue financial wealth thinking that it will reward them with what they want. But, what we really want is life. Our heart's desire is to become more than just a "success" by the world's standards- more than a millionaire. What we really want is to become a Lifeonaire.

    This is not you grandma's coupon book! Pick Another Checkout Lane, Honey teaches you step-by-step how to:o Find coupons and "stack" them with a sale for huge savings.o Build a stockpile of food at rock-bottom prices to last you and your family up to a year.o Make passers-by gape at your cart full of groceries you purchased for 75% off retail price.o Get your cashiers to gasp and applaud as you purchase everyday items for pennies on the dollar.o Gain the confidence to strut down the aisles, flaunt your coupons, and maybe even wear high heels to the grocery store!Authors Joanie Demer and Heather Wheeler, founders of TheKrazyCouponLady.com, share their expertise along with hundreds of tried and true coupon tips in a fun, user-friendly format that will have shoppers high-fiving the grocery store cashier in no time.

    Truth: Debt isn't used by wealthy people nearly as much as we are led to believe.Debt is dumb. Most normal people are just plain broke because they are in debt up to their eyeballs with no hope of help. If you're in debt, then you're a slave because you do not have the freedom to use your money to help change your family tree.It takes a lot of will, discipline, courage and help to slay the debt monster. But it can be done. Imagine how much you could put toward retirement if you just didn't have a stinking car payment? This is how the wealthy really build their wealth. Debt is dumb. Welcome to the real world!The myth has been sold that we should use OPM (other people's money) to prosper. The academic garbage is spread really thick on this issue. My contention is that debt brings on enough risk to offset any advantage that could be gained through leverage of debt.

    Pensions have almost completely disappeared and the financial future of Social Security has many worried. This book shows you how to take control of your own future by teaching you the fundamentals of investing.Many people are afraid to put their hard earned money in the stock market because they don’t want to lose it all. This book shows you how to invest your money for growth instead of treating the stock market like a slot machine and just hoping to get lucky. Inside the book you will discover: The basics of what the stock market is and how it works The differences between passive and active investing The differences between stocks, bonds, and cash All about mutual funds and other types of funds What you need to know about the economy to make good investments How to plan for retirement All about risk And Much More This quick start guide will help you go from knowing very little about investing to being confident in starting your own investment in your retirement.If you are looking for a get rich quick scheme, this book isn’t for you. But, if you want to learn about how to invest and the best ways to plan for your retirement, this book will start you on the path of taking control of your own future.The sooner you get your copy, the sooner you can start your personal investment education. Don’t wait another second. Get Your Copy Right Now

    Dr. Anderson combines biblical principles with expert financial advice, equipping readers with the tools they need to attain the riches they deserve. An invaluable resource for current or would-be investors or entrepreneurs, this book not only inspires readers to become educated about finances but also spurs them on to action and compels them to move forward confidently to achieve their financial dreams. New content includes callouts and new chapters on how to invest safely in today's market and on understanding that Jesus wasn't poor.

    The DSM-IV-TR Classification is a guide to Mental Disorders for people in the helping profession such as Psychologists, Mental Health Counselors, Therapists, and others.

    Using these ten steps, you will be able to confidently and effectively negotiate your salary. With helpful tips and questions throughout, this book gives readers the tools to conquer "the evil HR lady." While other books or websites might list a few standard bullet points on the subject from an expert in the HR field, Jim takes a "novel approach," weaving interesting stories, case studies, graphs, humor, and personal experience to make the topic come alive. The book also educates the reader on:Discovering the two simple - but vital - questions you need to answer for successHarnessing your social media network to gather valuable informationMastering successful FBI negotiation techniques to your advantageCreating a one-of-a-kind document to secure the highest salary rangeUsing Jim's "Right back at Ya" Method to regain control of an interview

    Grab it while it's practically FREE.Thanks to your support, "How to Master Lucid Dreaming" became a #1 Bestseller in 6 different categories including: Spirituality, Personal Growth, Self-Help. You're missing out on an ABSOLUTELY INCREDIBLE part of your life. It's time to change that. There are a ridiculous amount of techniques online for lucid dreaming. Too many. Enough to overwhelm any beginner and annoy any expert. This book is a journey into mastery of lucid dreaming. No more trying random techniques from forums. It's time to build a sustainable practice and delve into the depths of your consciousness.I've helped thousands of people with lucid dreaming over the past 9 years. It's your turn. What's Included in the Book - The Biggest Obstacle to Lucid Dreaming and How to Overcome It- How to Achieve Anything You Set Your Mind To- How to Use Your Mind as a Rocket Booster Instead of Dead Weight- How to Remember More of Your Life With a Stupidly Simple Practice- The Forgotten Jewel of a Hidden Type of Memory- Why You've Been Doing Reality Checks Completely Wrong (and totally wasting your time)- How to Completely Let Go of Your Stressful Day- How Not To Waste Time With Lucid Dreaming Techniques- The 5 Things Every Good Lucid Dreaming Technique Has in Common- 5 Steps to Mastering Your TechniqueIf you just want to experience lucid dreaming once, then move on, this book isn't for you. But if you want to master lucid dreaming and be able to experience it any time you want, get this book. What are the Benefits of Lucid Dreaming? - Deep personal and spiritual exploration into the nature of consciousness and who you really are- Receive life-changing information from your subconscious- Artistic and creative Inspiration (imagine composing music while flying in the sky with rainbow colored sound streaming all around you...)- Wipe away years of minor depression- FUN! Fun! FUN! Tons of fun- Overcome fears that are holding you back in life- Explore different realms that you'll suddenly have access to- Heal emotional traumas through interacting directly with your subconscious mind- Overcome nasty nightmares that leave you feeling crappy in the morning- Add more hours of actually being ALIVE every day- Shift your entire perspective on life, reality, consciousness and what it's all about- Soar like a bird in the sky, feeling the wind against your skin (one of the most amazing experiences ever) What people are saying about the book "I'm on day 3 of the program today and had my first lucid dream last night! Thank you sooooo much for this book, I am loooving it and soo excited about my own lucid journey!"- Jess Webb"I’ve got LaBerge’s course, Lucid Dreaming Secrets Unveiled by Darius Thomas, Robert Waggoner’s Lucid Dream Workshop, etc. etc...

    It is important for every person to save for one’s retirement as one can expect to live for twenty years after one retires as life expectancy of an Indian is going up steadily due to lower infant mortality and better medical care. There is a complete absence of social security safety net for most Indians today, even for those working in Government sector, there is no inflation adjusted pension available anymore. I have tried to simplify the advantages and disadvantages involved in investing your savings in various asset classes. I have deliberately left out two of the most popular forms of investment among middle class Indians 1) Life insurance 2) Real estate Let us consider life insurance first most of us confuse insurance as an instrument of savings, it is not. We have this wrong view because of the tax breaks given to income tax assesses by the Central Government. Insurance is a product that mitigates risk and is sold by the rich to the middle class and is always skewed in the favour of the insurer rather than the insured. A substantial portion of the total money invested by you goes towards paying agent’s commission and premium for insuring you for the risk of mortality. The balance left out is invested in government securities and other securities. Hence the amount of money invested out of the total premium paid is less than half paid by the insurer. The return on money invested by the policy holder is less than half of the money he would have earned either in bonds or fixed deposits. A person who needs insurance is a person whose family will need support in the event of his untimely death. Alternately insurance is required for a person who has debt in form of mortgage and does not want to burden his family in the event of his passing. The product which covers these risks is called term insurance. One should not buy insurance to avoid taxes as there is better tax saving tools available. Real estate is also considered as a good investment by several retail investors but nothing can be further from the truth. Nobody makes money by buying plots in the middle of nowhere. The easy availability of mortgages from the nineties and the tax breaks given by the Central Government on housing loans has created an unparalleled boom in the residential market. There is now a painful correction process under way in that sector. The price of land is reflexively connected to availability of money. The lower the cost of money, greater the returns in real estate. Buying plots in the middle of nowhere is similar to buying lottery tickets as investment. Land cannot be liquidated immediately into cash at a short notice to meet urgent requirements. Cost of maintenance and protection of real estate from illegal occupation is prohibitive and time consuming. Verification of title deeds to the property is a complex process and needs sound legal advice. You should have a house to live and another to collect rent as rent is equivalent of inflation adjusted pension. The return on investment generated in the three different asset classes over 25 years would be in the following order 1) Equities 2) Gold and finally 3) Debt instruments. I enjoyed writing this book as a companion volume to my first book. It is my fond hope that you enjoy reading this book.

    Emphasising the need for compassionate, relational responses to these often misunderstood young people, Betsy offers an array of practical strategies and insights to enable those responses, whilst conveying her core subject with confidence and clarity. An important, generous and timely publication.Louise Michelle Bombèr, Strategic Attachment Lead Teacher Therapist0600As a parent myself I have found this book to be such a useful tool. To have a basic understanding of how the brain works has given me greater confidence as a parent in handling my children calmly and remaining empathetic even when I don't always understand the reasons behind their behaviour. I value the comprehensible and practical tips that are listed in this book of how you can develop the connection and healing relationship with the child in your care. It's beautifully written with such profound insight that is essential for any caring person working with children.Dannii Gray, Parent0600This book is easy to read using plain, clear language - free of jargon. It has really helpful suggestions that could be used in both professional and home settings.Liz Hall, Parent and Police Child Protection Investigator and Trainer0600Simplifying and condensing the complex world of childhood trauma into tangible, easy to grasp terms, de Thierry shows her mastery of the field in this handy guide. Her conversational style translates the neuroscience of trauma into supportive, concrete steps that any helping adult can apply to the children in his or her life. Empathy for the reader and patience for these vulnerable youth are ever-present as de Thierry herself models the restorative power of relationships. Such a hopeful and comforting read!Kendra Morris-Jacobson, Oregon Post Adoption Resource Center (ORPARC)0600What this 'simple guide' does elegantly and quickly is bring a large amount of research - from psychology, social work, neuroscience, biochemistry and genetics - directly to the busy but interested professionals, parents and carers working in this field. It translates complex ideas into 'practice-rich' language for adults who need to understand the inner worlds of children, rather than simply explore their 'wishes and feelings'.From the foreword by Professor David Shemmings OBE0200Full of helpful information and advice, this is the perfect introduction to child trauma for any adult caring for or working with a child who has experienced trauma. It explains what trauma is, how it affects children and what adults can do to facilitate recovery.04001: Understanding trauma. 2: The impact of trauma. 3: Helping a child become calm. 4: Frustrating behaviour from traumatised children. 5: Key approaches to help children recover. 6: Important things to consider when offering support. 7: Getting your head around different therapies.01000301http://www.biblioimages.com/jkp/getim...

    Most people know how important it is to manage their money wisely. But most budget books are cumbersome and overly technical. And computerized budgeting systems are complex and temperamental. This book presents a simple, easy-to-use, and effective system that makes budgeting as easy as writing a check.