Financial planning for life -- from career strategies and consumer credit to investments and taxes to retirement and estate planning -- this handbook covers everything for making those all-important decisions.

    And the money they did spend was also used to train their children to become financially independent. The MoneySmart Family System will show you how to teach your children to manage money and have a good attitude while they’re learning to earn, budget, and spend wisely.Learn how to:Get the kids out the door for school with less stress.End the battle over clothing—foreverTeach your children to be grateful and generous.Inspire your kids to help with chores as a member of a winning team.Prepare your kids for their first paying job.Help your kids pay for their own auto insurance, and even pay cash for their own cars.Employ strategies for debt-free college educations.Truly help your adult children when they want to move back home.Be prepared to deal with your adult children when they ask for bailouts.With clear steps for children of every age, The MoneySmart Family System proves that it’s never too early, too late, or too hard to start learning financial responsibility.“Every parent or parent-to-be should read this book!” —Dr. Laura Schlessinger

    But it is also much more, having become a fundamental influence on modern “libertarian” economics of the type espoused by Ron Paul and others.Considered among the leading economic thinkers of the “Austrian School,” which includes Carl Menger, Ludwig von Mises, Friedrich (F.A.) Hayek, and others, Henry Hazlitt (1894-1993), was a libertarian philosopher, an economist, and a journalist. He was the founding vice-president of the Foundation for Economic Education and an early editor of The Freeman magazine, an influential libertarian publication.  Hazlitt wrote Economics in One Lesson, his seminal work, in 1946. Concise and instructive, it is also deceptively prescient and far-reaching in its efforts to dissemble economic fallacies that are so prevalent they have almost become a new orthodoxy.Many current economic commentators across the political spectrum have credited Hazlitt with foreseeing the collapse of the global economy which occurred more than 50 years after the initial publication of Economics in One Lesson. Hazlitt’s focus on non-governmental solutions, strong — and strongly reasoned — anti-deficit position, and general emphasis on free markets, economic liberty of individuals, and the dangers of government intervention make Economics in One Lesson, every bit as relevant and valuable today as it has been since publication.

    Although this social revolution created a firestorm of controversy, no one questioned the idea that women's involvement in the workforce was certain to improve families' financial lot. Until now.In this brilliantly argued book, Harvard Law School bankruptcy expert Elizabeth Warren and business consultant Amelia Tyagi show that today's middle-class parents are suffering from an unprecedented and totally unexpected economic meltdown. Astonishingly, sending mothers to work has made families more vulnerable than ever before. Today's two-income family earns 75% more money than its single-income counterpart of a generation ago, but actually has less discretionary income once their fixed monthly bills are paid.How did this happen? Warren and Tyagi provide convincing evidence that the culprit is not "overconsumption," as many critics have charged. Instead, they point to the ferocious bidding war for housing and education that has quietly engulfed America's suburbs. Stay-at-home mothers once provided a financial safety net if disaster struck; their move into the workforce has left today's families chillingly at risk. The authors show why the usual remedies--child-support enforcement, subsidized daycare, and higher salaries for women--won't solve the problem, and propose a set of innovative solutions, from rate caps on credit cards to open-access public schools, to restore security to the middle class.

    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.

    . . when God offers everlasting treasures in heaven? It's time to rethink our perspectives on money and possessions. In this thoroughly researched classic, Randy Alcorn shows us how to view these things accurately―as God's provision for our good, the good of others, and his glory.About the AuthorRandy Alcorn is an author and the founder and director of Eternal Perspective Ministries, a nonprofit ministry dedicated to teaching principles of God's Word and assisting the church in ministering to unreached, unfed, unborn, uneducated, unreconciled, and unsupported people around the world. A New York Times bestselling author of over 50 books, including Heaven, The Treasure Principle, If God Is Good, Happiness, and the award-winning novel Safely Home, his books sold exceed eleven million copies and have been translated into over seventy languages. Randy resides in Oregon with his wife, Nanci.

    Wiseman showed how girls of every background are profoundly influenced by their interactions with one another. Now, Wiseman has revised and updated her groundbreaking book for a new generation of girls and explores:•How girls’ experiences before adolescence impact their teen years, future relationships, and overall success•The different roles girls play in and outside of cliques as Queen Bees, Targets, and Bystanders, and how this defines how they and others are treated•Girls’ power plays–from fake apologies to fights over IM and text messages •Where boys fit into the equation of girl conflicts and how you can help your daughter better hold her own with the opposite sex•Checking your baggage–recognizing how your experiences impact the way you parent, and how to be sanely involved in your daughter’s difficult, yet common social conflictsPacked with insights about technology’s impact on Girl World and enlivened with the experiences of girls, boys, and parents, the book that inspired the hit movie Mean Girls offers concrete strategies to help you empower your daughter to be socially competent and treat herself with dignity.

    With hundreds of inspiring “why didn’t I think of that?” TIPS, plus WORKSHEETS, Paine breaks down your goals into easy, manageable steps so you can:• Achieve a complete financial makeover • Set up a realistic budget • Never pay retail • Slash your grocery bill • Organize your time & your home • Use coupons wisely • Pay with cash only • Live simply • Become debt free • Choose contentment • Make every dollar count

    Her approach, however, is not conventional. Miller dispenses with the more traditional reading instruction of book reports and comprehension worksheets in favor of embracing students' choices in books and independent reading. Her zeal for reading is infections and inspiring --and the results are remarkable. No matter how far behind Miller's students may be when they enter her 6th grade classroom, her students read an average of 40 books a year, achieve high scores on standardized tests, and internalize a love for books and reading that lasts long after they've left her class. Travel alongside the author as she leads her students to discover the ample rewards of reading and literature. Her secrets include: Affirming the reader in every student Supporting students' reading choices Carving out extra reading time Modeling authentic reading behaviors Discarding time-worn reading assisgnments Developing a classroom library with high-interest books Rich with classroom examples and practical advice and stitched together with the thread of Miller's passionate voice, this book will help teachers support students of all levels on their path to reading success and points a way out of the nation's literacy crisis. The book also includes an invaluable list of books that students most enjoy reading.

    Graham's philosophy of "value investing" -- which shields investors from substantial error and teaches them to develop long-term strategies -- has made The Intelligent Investor the stock market bible ever since its original publication in 1949.Over the years, market developments have proven the wisdom of Graham's strategies. While preserving the integrity of Graham's original text, this revised edition includes updated commentary by noted financial journalist Jason Zweig, whose perspective incorporates the realities of today's market, draws parallels between Graham's examples and today's financial headlines, and gives readers a more thorough understanding of how to apply Graham's principles.Vital and indispensable, this HarperBusiness Essentials edition of The Intelligent Investor is the most important book you will ever read on how to reach your financial goals.

    You wonder if you’re doing the right thing and, as a stepmother, many of your specific questions are unique. In this second edition of Stepmotherhood: How to Survive Without Feeling Frustrated, Left Out, or Wicked, journalist and stepmother Cherie Burns brings together countless insights and sound advice, based on the latest research and interviews with experts in the field (including dozens of other stepmoms), to answer questions such as:• How do you manage discipline when parents and stepparents disagree? • How can you help stepsiblings get along? • How do you handle birthdays, holidays, and weddings?• What’s the best way to get along with your stepchild’s mother?• When should you seek a therapist’s help?Burns’s wise and empathetic suggestions go beyond struggle, stigma, and compromise, showing how sensitive, informed stepmothers can take charge—and pride—in their role, becoming more effective and fulfilled.

    So what makes this one different? Well, you won't be overwhelmed with a bunch of 'tips' … or a strict budget (that you won't follow). You'll get a step-by-step formula: open this account, then do this; call this person, and say this; invest money here, and not there. All with a glass of wine in your hand. This book will show you how to create an entire financial plan that is so simple you can sketch it on the back of a serviette … and you'll be able to manage your money in 10 minutes a week. You'll also get the skinny on: Saving up a six-figure house deposit in 20 months Doubling your income using the 'Trapeze Strategy' Saving $78,173 on your mortgage and wiping out 7 years of payments Finding a financial advisor who won't rip you off Handing your kids (or grandkids) a $140,000 cheque on their 21st birthday Why you don't need $1 million to retire … with the 'Donald Bradman Retirement Strategy' Sound too good to be true? It's not. This book is full of stories from everyday Aussies — single people, young families, empty nesters, retirees — who have applied the simple steps in this book and achieved amazing, life-changing results. And you're next.

    You'll be surprised at what you find out....

    Written in clear and incisive prose, The Wealth of Nations articulates the concepts indispensable to an understanding of contemporary society; and Robert Reich's Introduction both clarifies Smith's analyses and illuminates his overall relevance to the world in which we live. As Reich writes, "Smith's mind ranged over issues as fresh and topical today as they were in the late eighteenth century--jobs, wages, politics, government, trade, education, business, and ethics."Introduction by Robert Reich - Commentary by R. H. Campbell and A. S. Skinner - Includes a Modern Library Reading Group Guide

    With an increasing number of graduate and business school applicants and an increasing number of GRE test-takers—now a complete test overhaul by the test-maker—a high GRE score is critical to set yourself apart from the competition.New GRE 2011-2012 Premier with CD-ROM is a comprehensive package that includes a book, CD-ROM, and online companion with in-depth strategies, test information, and practice questions to help students score higher on the new GRE Revised General Test. New GRE 2011-2012 Premier with CD-ROM is fully updated and revised with 75 percent all-new content covering the revised and expanded Verbal, Quantitative, and Analytical Writing Assessment Test sections, including 50 percent new practice questions and brand new strategies for each of the new question types.New GRE 2011-2012 Premier with CD-ROM features:6 full-length practice tests (1 in the book, 5 online)400 practice questions and answer explanations on the CD-ROMA detailed overview of the test changesKey strategies for all New GRE question typesDetails and practice sets for the Verbal and Quantitative sectionsDiagnostic tool in end-of-chapter practice sets for even more targeted practiceAdvice for the graduate school application processKaplan guarantees that readers will score higher on the GRE Revised General Test using our guide—or get their money back.