But in a culture full of bad advice, predatory banks, and splurge-now-pay-later temptations, it can also be extremely dangerous—leading you to make financial decisions that could hurt you for years to come. Combine this with a slumped economy, mounds of student loans, and dubious examples from reality TV stars to politicians to your own parents, and it’s no wonder so many twenty-somethings are struggling.Twenty-three-year-old Zac Bissonnette—the author of Debt-Free U—knows exactly what you’re going through. He demystifies the many traps young people fall victim to in their post-college years. He offers fresh insights on everything from job hunting to buying a car to saving for retirement that will give you a foundation for a secure, stable, and happy life. In the process, he reveals why FICO scores are overrated, online job applications are a waste of time, car loans are for suckers, and credit card rewards are a scam.With detours to discuss wine connoisseurs, Really Broke Housewives, and Lenny Dykstra, Zac shows you how to make better choices today so you can be richer, smarter (and better-looking!) for years to come.

    “Photography Demystified—Your Guide to Understanding Photography, Gaining Creative Control and Taking Amazing Photographs!” has been designed to resolve your frustrations and photography difficulties. This book will give you the tools, education and practical applications needed to understand how to take great pictures! PLUS, a section entirely dedicated to assignments has been included! Video tutorials are also available at no charge! http://mckaylive.com/bonus/Along with my wife Ally, I own McKay Photography Academy. Leading hundreds of photographic tours around the world, I have taught over twelve thousand people just like you how to excel in photography. Having earned my Master of Photography and Photographic Craftsmen degrees from Professional Photographers of America, the leading photography organization in the world, I have been a full time professional photographer for over twenty nine years and am passionate about teaching others how to achieve great results in their photography. My motivation is to see that everyone can enjoy photography and take the frustration out of the process!Beginning photographers, camera buffs, photo enthusiast, and many others who struggle with understanding photography concepts, exposure, and their camera manuals have already experienced my proven methods of teaching beginner’s photography. This book will do the same for you!•Terry L from Santa Cruz, CA says: “Taking someone off automatic settings to manual settings can be daunting at times. Fortunately, I have had the experience of learning from David McKay. David has taken me further into the world of photography than I could have ever imagined.”•Keith W from Austin, TX writes: “David is one of those rare individuals that combine passion, extensive knowledge and a laid-back style in teaching photography. What else can I say; it is refreshing to learn from someone this talented.” •Steve of Steve Scurich Photography in Santa Barbara,CA states: “The ability to take decades of complex photography knowledge and boil it down into concepts that are clear, understandable and easy to implement, is David’s gift to the world. Personally, I am forever grateful for the inspiration and encouragement he’s given me.”•Denise Mann from San Antonio, TX says: “David McKay is passionate about photography and equally as passionate about teaching it to those eager to learn.”•Jeff G from Sacramento CA says: “David McKay is a great photographer—not every photographer can be a great educator, David is! David is able to take complicated topics and break them down to something easy to digest and practical to implement—you are inspired to go out and use what you just learned!”•Kara from San Jose, CA writes: “You can’t help but to feel his love for photography and his passion for teaching.

    

    very Good Books

    . . luxury yachts circling the globe awaiting their owner’s arrival . . . fully staffed but rarely visited vacation homes throughout the world. The rich live trouble free lives of graceful ease.  Or do they?In Fables of Fortune, author Richard Watts pulls back the brocade curtain to reveal the precarious path of wanting more.  As the advisor to the super rich, Watts reflects on the reality of wealth and a difficult and heartbreaking lesson:   “The wealthiest person is not who has the most, but who needs the least.” Fables of Fortune convincingly persuades readers that wealth may be overrated.  Through vignettes based on true stories, Watts reveals the challenges the super-wealthy face, including marriages based on net worth, interfamily inheritance battles, faux friends, entitled children, alienation, and spiritual depletion.  The successes and failures of life inspire the heartbeat of passion and self-actualization. Watts will challenge readers to reconsider key life questions of personal value and discover surprising new answers. Fables of Fortune reveals an honest, comparative, eye-opening analysis for any reader who believes wealth is a rose without thorns.  Read on and gain perspective and appreciation for your own real fortune in life.

    These are the men, and one day soon the women, who stand out from their peers as being part of one of the most elite military groups in the world. They have proven that they have what it takes but the question is, do you? Walk with us through the training regimen of the most feared and respected military force in the world as we take you through initial training to graduation day. Along the way you’ll learn some lessons about integrity, perseverance, and honor. You don’t have to be a SEAL to take these lessons and apply them to your daily life. You just need the right motivation and we’re here to give it to you. Here’s just a few thing you’ll learn about: • The Navy SEAL Fitness regimen • How to train your mind for everyday battle • Being aware of what’s happening around you • How the tough keep mentally strong Do you think you have what it takes to be a Navy SEAL? You might not be boot camp ready but when you’re done with Navy SEAL Self-Discipline you’ll be ready to take on life! What are you waiting for? Grab your copy today and start on the path to a new, more confident you! DOWNLOAD NOW! Scroll up to Buy with One-Click!

    Author, army veteran, and Certified Financial Planner(TM) Jeff Rose modeled this financial survival guide on the Soldier’s Handbook that is issued to all new US Army recruits. Inside the 14 modules that Rose used to systematize his essential elements of financial success, you will learn how to:• Evaluate your position and commit to change • Target and methodically eliminate debt • Clean up your credit report • Create tactical budgets • Build emergency savings • Invest for the short and long term • Determine an affordable mortgage size• And moreComplete with tales from the trenches, useful quizzes, debriefings, and more, Soldier of Finance is the strategy manual and survival guide you need to win victory over your debt and bring order and prosperity to your life.

    It's about learning to eat properly for your health." -Vitor Belfort, UFC two-time world champion"Mike Dolce's the best in the business."-Chael Sonnen, UFC world title contender"Mike Dolce's knowledge of nutrition and strength & conditioning has led him to be one of the most highly sought-after coaches in the sport." -Joshua Carey, Bleacher Report"You can learn a lot from this man right here." -Ariel Helwani, AOL's MMAFighting.comABOUT THE DOLCE DIET: LIVING LEANCalled "the patron saint of weight cutting," Mike Dolce has coordinated the high-profile weight loss for many of the world's top athletes, including...* Quinton "Rampage" Jackson, UFC / Pride FC world champion* Vitor "The Phenom" Belfort, UFC two-time world champion* Thiago "Pitbull" Alves, UFC world title contender* Chael Sonnen WEC / UFC world title contender* Gray "Bully" Maynard, UFC world title contender* Nate "Rock" Quarry, UFC world title contender* Mike "Quicksand" Pyle, WEC world champion* Jay "Thorobred" Hieron, IFL world championAs well as fan favorites...* Michael "The Count" Bisping, The Ultimate Fighter 3 winner* Jake "Juggernaut" Ellenberger, UFC veteran* Ed "Shortfuse" Herman, The Ultimate Fighter 3 runner-up* Chris "The Crippler" Leben, UFC veteran* Duane "BANG" Ludwig, UFC & K-1 veteranand many more!For the first time in print, Mike Dolce shares the same the principles, recipes, and strength-training workouts he uses in MMA's elite fight camps and how they can be used by YOU!INSIDE you will learn:* Recipes used in MMA's top fight camps with gluten-free & vegan options* Easy to follow sample meal plans with gluten-free & vegan options* Strength & Conditioning exercises with instructions & photos* Workout plans used by today's top athletesWHAT PEOPLE ARE SAYING ABOUT THE DOLCE DIETThe Dolce Diet, three words about Living Lean: 1. Simple 2. Inspirational 3. Effective. Thank you, Mike Dolce! You've made staying in shape easy! ~STEWART M. The Dolce Diet, Love it! My Little-Boy-2-B has been on it for 5.5 months! This diet is truly amazing for moms pre & post baby! Yes, The DolceDiet is prego friendly! Plenty of the RIGHT kind of food that tastes great! ~THE H2H WAITRESSStarted two weeks ago. Lost 13 pounds so far. Yea! Love the recipes! So do my kids! Thank you! ~DAWN H.Body fat down 4% in 2 months?! Yessss! #LIVING LEAN ~MOLLY C.The Dolce Diet, started 410, down 50 lbs. so far. ~ JOSH W.The Dolce Diet, 13 lbs. lost in 4 weeks! People are asking what I'm doing...Telling them LIVING LEAN! ~MIKE S.Real talk! The Dolce Diet is the Einstein, da Vinci and Jesus of losing weight all wrapped up in one...gluten free wrap that is. ~MIKEY F.Another 5 (lbs. lost) on The Dolce Diet. 25 pounds down in 2 weeks, 100 to go! #LivingLean! ~JOHN P.

      Buy as many lattes as you want. Choose the right accounts and investments so your money grows for you—automatically. Best of all, spend guilt-free on the things you love.   Personal finance expert Ramit Sethi has been called a “wealth wizard” by Forbes and the “new guru on the block” by Fortune. Now he’s updated and expanded his modern money classic for a new age, delivering a simple, powerful, no-BS 6-week program that just works.  I Will Teach You to Be Rich will show you: • How to crush your debt and student loans faster than you thought possible • How to set up no-fee, high-interest bank accounts that won’t gouge you for every penny • How Ramit automates his finances so his money goes exactly where he wants it to—and how you can do it too • How to talk your way out of late fees (with word-for-word scripts) • How to save hundreds or even thousands per month (and still buy what you love) • A set-it-and-forget-it investment strategy that’s dead simple and beats financial advisors at their own game • How to handle buying a car or a house, paying for a wedding, having kids, and other big expenses—stress free • The exact words to use to negotiate a big raise at work  Plus, this 10th anniversary edition features over 80 new pages, including: • New tools • New insights on money and psychology • Amazing stories of how previous readers used the book to create their rich lives   Master your money—and then get on with your life.

    Over the decades, these capitalists spread their footprint across vast sectors of the economy from steel and mining to telecom and retail. And now even e-tail. Nikhil Inamdar’s Rokda features the stories of a few pioneering men from this mercantile community—Radheshyam Agarwal and Radheshyam Goenka, founders of the cosmetic major Emami; Rohit Bansal, co-founder of Snapdeal; Neeraj Gupta, founder of Meru Cabs; and V.K. Bansal, a humble mathematics tutor whose genius spawned a massive coaching industry in Kota—amongst others. Through the triumphs and tribulations of these men in the epoch marking India’s entire post independence struggle with entrepreneurship—from the License Raj to the opening up of the floodgates in 1991, and the dawn of the digital era—Rokda seeks to uncover the indomitable spirit of the Baniya.

    He was forced to choose which path he was going to take: continue the cycle of family poverty or break it. The Mindset is an inspirational memoir of Ace Bowers’ personal transformation from janitor to millionaire. Bowers began his journey uneducated, overweight, addicted to cigarettes, in debt, and depressed. Revealing the skeletons in his closet for the first time set the scene for how he got to the point of cleaning a motel for $6 an hour. Bowers’ detailed accounts of his turbulent and traumatizing childhood illustrated what it is like growing up in a poor, alcoholic, and abusive family. The metamorphosis began as soon as he changed his mindset. Within five years, Bowers was able to completely turn his life around, going from trash to technology. This memoir illuminates step by step his unconventional path to wealth, health, and happiness.

    Get: * Debt reduction tips that you'll never learn from VISA. * Real estate solutions the bank will never offer. * Wall Street secrets your broker never tells you. * Energy saving tips worth thousands of dollars each year off of your bills As TD AMERITRADE chairman Joe Moglia says, "College students need this information before they get their first credit card. Young adults need it before they buy their first home. Empty nesters can use the information to downsize to a sustainable lifestyle, before they get into trouble." Stop making everybody else rich and start scoring assets, gains and savings for yourself.