How to Shop for Free is Spencer's smart, sassy, step-by-step savings guide that teaches you how to do just that -- and more. You'll learn how to find the best savings and combine them with store promotions, rewards programs, and store credit to get almost anything for free -- from organic produce to makeup, prescription drugs to clothing. With an eye toward cutting your monthly spending on the basics, Spencer guides you through many popular stores -- including CVS, Kohl's, Safeway, Target, and Walgreens -- and explains how to maximize your savings. Follow Spencer's plan and, by the end of the book, you'll be shopping for free.

    The Wall Street Journal is where America starts its business day. This daily paper publishes the latest in news from the business and finance world. Additionally, it strives to connect current domestic and international news events to business fluctuations and market changes. It also seeks to inform the educated reader about pressing economic changes and evolution. But the Journal covers more than just business. Its weekend edition covers the activities and interests that readers are most passionate about: travel, art, collecting, fashion, wine, sports and entertainment. Notable columnists include James Taranto, Bret Stephens, Homan W. Jenkins, Jr., Daniel Henninger and Mary O'Grady. Please note this newspaper does not deliver on Sunday. The Kindle Edition of The Wall Street Journal contains articles found in the print and online editions, but will not include tables and stock quotes. For your convenience, issues are automatically delivered wirelessly to your Kindle starting at 5:00 AM New York City local time. Please note that The Wall Street Journal publishes only Monday through Saturday.

    8.45 p.m. Torpedoed by a Pakistani submarine, the INS Khukri sank within minutes. Along with the ship, 178 sailors and eighteen officers made the supreme sacrifice. Last seen calmly puffing on his cigarette, Captain Mahendra Nath Mulla, captain of the Khukri, chose to go down with his ship. This defining moment of the 1971 war between India and Pakistan is the basis of Major General Ian Cardozo’s attempt to understand what happened that day and why.General Cardozo brings fresh insight into the hellish ordeal by including the heartfelt accounts of the survivors and of the members of their families. These accounts transform the stereotypical understanding of the incident; they also supplement it. We glimpse fear, trauma and death first-hand. In the annals of war writing, General Cardozo humanises this cataclysmic event as never before.

    You don’twant to be the old employee working as a door greeter at your big chain department store. It will also be frustrating and very depressing if you are not financially aware of your future. Time seems to go faster the older you get and it’s never too late to get started.But getting started might be one of your problems. There is too much information available and too many scammers are trying to get you to invest in shady companies. You also don’t have the time to figure everything out by yourself, because it might seem too hard and complicated.However, getting the investing part of your life handled will improve your life tremendously. You will have peace of mind when you think about your future and you will also have the confidence to make sound investing decisions. You’ll also have the knowledge to talk intelligently with your peers and financial advisors, making it easy to spot when someone is giving you wrong information.I begin with the basics, like what are stocks and how the stock market works. I then transition into how you can make money in the stock market, give you some stocks you should have on your watch list and some of the lies and mistakes you will have to deal with as an investor.So, don’t wait and get this book now. It’s on sale at this moment, but the price will go up!

    The third edition updates the information in previous editions and explains many new concepts.What is the new economy? What is globalization? Is the euro the final seal on European Union? How is e-commerce transforming our world beyond economics? What is virtual money, and does it have real value? How do social concerns and societal ills (drugs, poverty, AIDS, endangered natural resources) play a part in the rapidly changing world economy. What are multinationals, and do they signal the end of nationalism? These and many other pertinent issues are concisely addressed in the most accessible primer for those who want to be economically literate (and who doesn't?).

    Spend less than you earn and clear debt.2. Insure against disaster.3. Build up your savings and invest wisely.You will learn:• How to get out of debt as quickly as possible.• Techniques for good financial control, so you can avoid getting into debt again.• The importance of insurance for laying down a foundation on which to build a solid financial plan, which isn’t washed away by an unexpected disaster.• How to save and invest simply and efficiently so that you can work your way towards future financial freedom.No matter your starting position, or your existing level of comfort with dealing with your money, Pete Matthew’s calm, straightforward and jargon-free approach will appeal to you and help you to set out on the right path.The Meaningful Money Handbook is a practical guide to succeeding with money by cutting out the stuff you don’t need to know, and clarifying the essential things you need to do, to make a real difference to your life.Don’t put it off any longer – pick up this book and start to take a meaningful approach to your money today.

    This book puts together the information that shows:• How and why Max Muller started the theory,• The damage it has done,• Objections to it and lack of evidence for it,• The misleading dates for it,• The Sarasvati River described in the Rig Veda and geographical proof of its existence,• The date of its demise,• The false argument of no horse in Harappa,• The Urban or rural argument,• Deciphering the Indus seals,• How genetics show an east to west movement rather than a migration into India, and more.All of this proves there never was any Aryan Invasion, and that the advanced Vedic Aryan civilization was indigenous to India. (Taken from a chapter in “Advancements of Ancient India’s Vedic Culture”)

    Benson’s goal with this memoir is to help patients and their loved ones get through surgery and recovery with knowledge and humor. Robby Benson wrote the book to “help readers and their families deal with all kinds of illnesses – it’s not heart specific. As baby boomers, our parents, and now our friends, loved ones and contemporaries are dealing with life-changing diagnoses – it’s a new chaos in our lives that we have to deal with. I hope to make readers laugh when at times it seems the events in our lives are overwhelming.”

    Once, intelligence operations could employ James Bond-style forgeries and disguises to infiltrate a target, but modern-day spies must succeed at the seemingly impossible: to hide in plain sight in a world where everything is visible.Our technology-reliant lives are a trail of electronic interactions; from card payments to CCTV, we leave involuntary and often unwitting digital footprints. Faking this online trail is hard, while the lack of one is dangerously conspicuous. When even an expertly forged ID has little chance against biometric databases and facial recognition technology, how can open societies’ intelligence agencies continue to operate undercover?In this gripping, meticulously researched study, drawing on numerous real-life cases, Edward Lucas, an acclaimed espionage expert, tracks the changing landscape of international spycraft—and highlights the West’s growing disadvantage against its autocratic adversaries.

    In The Value of Debt in Building Wealth, bestselling author Thomas J. Anderson encourages you to rethink that. You'll walk away from this book with an understanding of how you can use debt wisely to secure the financial future you envision for yourself and your family. Student loans, mortgages, lines of credit, and other forms of debt are all discussed in detail, with a focus on smart planning for those who are accumulating assets--and debt--now.Should you rent or buy? How important is liquidity? What is good versus bad debt? How much debt should you have? What debt-to-income and debt-to-asset ratios should you aim for? Fixed debt or floating debt? What's the best way of saving for college and retirement? These are big questions that deserve thorough answers because the choices you make now could influence the course of your life. This thought-provoking book will open your eyes to savvy financial strategies for achieving your goals faster and with healthier bank accounts.Explore strategies for smart debt management, explained by one of the nation's top financial advisors Gain an understanding of investment basics and key financial concepts you'll need to achieve your long-term goals Understand the risks of having debt and the potential risks of being debt-free Make financial decisions now that will maximize your wealth, freedom, and opportunity later This book is not about buying things you cannot afford. It is about liquidity, flexibility and optimizing your personal balance sheet. The Value of Debt in Building Wealth is full of ideas you can apply to your own situation--no matter what your current asset level. Read this book today and thank yourself later.

    This book has been designed for people who don't know how to pray yet or those who aren't sure whether they learned correctly or not. In this book you will learn the prayers by reading clear and simple descriptions of what to do along with pictures to make sure you understood correctly. One of the unique features of this book is that it doesn't limit itself to teaching the rituals behind the prayer only. Rather, there is an entire chapter dedicated to learning the meanings behind each statement and action in the prayer.

    By using a unique blend of Sarah's no bullsh*t style and an honest, inquisitive look at the universe and the law of attraction, you will learn to re-programme your brain to work for you, breaking down negative money blocks to replace them with new thought patterns for a positive money mindset. This book will have you seeing new money opportunities, feeling excited about your financial future and on the road to living your best life.

    Blockchain protocols are taking the world by storm, and the Ethereum project, with its Turing-complete scripting language Solidity, has rapidly become a front-runner. This book presents the blockchain phenomenon in context; then situates Ethereum in a world pioneered by Bitcoin.See why professionals and non-professionals alike are honing their skills in smart contract patterns and distributed application development. You'll review the fundamentals of programming and networking, alongside its introduction to the new discipline of crypto-economics. You'll then deploy smart contracts of your own, and learn how they can serve as a back-end for JavaScript and HTML applications on the Web.Many Solidity tutorials out there today have the same flaw: they are written for "advanced" JavaScript developers who want to transfer their skills to a blockchain environment. Introducing Ethereum and Solidity is accessible to technology professionals and enthusiasts of all levels. You'll find exciting sample code that can move forward real world assets in both the academic and the corporate arenas. Find out now why this book is a powerful gateway for creative technologists of all types, from concept to deployment.What You'll LearnSee how Ethereum (and other cryptocurrencies) workCompare distributed apps (dapps) to web appsWrite Ethereum smart contracts in Solidity Connect Ethereum smart contracts to your HTML/CSS/JavaScript web applicationsDeploy your own dapp, coin, and blockchainWork with basic and intermediate smart contractsWho This Book Is For Anyone who is curious about Ethereum or has some familiarity with computer science Product managers, CTOs, and experienced JavaScript programmersExperts will find the advanced sample projects in this book rewarding because of the power of Solidity

    Never started a 401k or IRA? Don’t worry. And are you so far behind in your personal finances you’re worried you’ll never be able to retire? It’s all good. Because whether you know it or not, the entire US retirement system is horribly flawed and was doomed to fail anyway. And that’s why every American needs to read “Poor Richard’s Retirement.” “Poor Richard’s Retirement” is a revolutionary retirement system because, unlike today’s conventional retirement planning, it works. It puts retirement easily within the reach of your everyday man. Whether you have student loans, a mortgage, are behind in your retirement planning, or have no retirement savings at all, “Poor Richard’s Retirement” bypasses it all by showing you how little you truly need to retire. And it does so through the simple truth that happiness is not found in $400 yoga pants, luxury SUV’s, McMansions, or whatever lies they’re selling you on TV, but through love of family, friends, and your fellow man. All of which are free. Make retirement infinitely easier and life happier. Buy “Poor Richard’s Retirement” today. Nobody in America has saved enough for retirement…until now.

    It feels creative and satisfying and will set you up for a lifetime of good habits, no matter the age you are starting from. My wish for this book is that it encourages you to think about money in a way that makes you feel in control, uplifted and inspired to steer yourself towards a joyous and prosperous future. I want to share my contagious beliefs that dealing with your money can be fun and exciting. I know many women have a fractious relationship with their finances and can often be quite scared of dealing with things. I have felt that way in the past too. I do hope you will join me in this journey because it feels so much better to have a good relationship with your money than not. I love the saying Look after your money, and your money will look after you. It does not have to be scary, and you do not have to worry about becoming greedy if you focus on your finances; all that will happen is that this important area of your life will feel happier, freer and more bountiful. It is a glorious feeling and it is well within your reach. I hope that by the end of this book you will be eager and enthusiastic about your own finances, in fact, I am sure you will. ~~ Fiona Ferris Contents: Introduction How I became interested in personal finance About this book Chapter 1. Start from the beginning What do you believe about money? Make your finances fun and enjoyable Simplify your life Chapter 2. Be savvy and a good steward of your money Living well on a moderate income Add up what your vice is costing you Try out cheaper options ‘The free part’ Cap limits in your life Decide for yourself what you splurge and save on Spend more time at home Make your own meals most of the time Do not be afraid to ask for gifts Slim down your magazine choices Chapter 3. Live like a millionaire now and feel rich every day Do not wait to be rich to feel good Use your good things Surround yourself with beauty Keep only what your future self would have in her beautiful home Visit five-star luxury and soak it in Replace broken items with quality, cherish the rest Feel luxurious in budget-friendly ways Curate your wardrobe Cultivate an expensive-looking personal style Have an elegant personal demeanour ‘Expensive’ décor on a budget Chapter 4. See how you rich are already Know where your finances are at Speak positively about your finances Cultivate a happy and relaxed feeling around money Contentment as a financial tool Think beyond a purchase to its exit Chapter 5. Inspire yourself to a wealthy future Keep your vibration high Share your dreams with your other half Commit to being debt-free Take inspiration from expensive stores Read inspirational money books and find fun ways to educate yourself Think as if you were creating your own personal brand Have role models Chapter 6.