Minimalist Budget will help you to turn your bloated expenses into a well-toned budget, spending on exactly what you need and nothing else. This book presents solutions for two major problems in our consumer society: (1) how to downsize your cravings without having to sacrifice the fun stuff, and (2) how to whip your finances into shape and follow a personalized budget. This is not a get rich quick book. But I can promise day-by-day, month-by-month, you’ll budget better and become richer as a consequence. Regardless of how much your income is we’ll find a way to budget, save, and increase your net worth. Since my youth, I’ve had to live on a budget that ranged from $100 to $200 a month if I was lucky. Even though I never knew how much I would have the next month, I was always able to have enough for my essential expenses, personal pleasures, and savings. If you’re tired of the false and impossible-to-follow promises of “finance gurus,” try out my simple, straightforward, easy-to-stick-to methods. Improve your spending habits: • Incorporate minimalism into your finances • How to avoid becoming a minimalist consumerist • Learn the psychological traps that make you overspend • Control your compulsive spending habits Feel financially secure every day: • Learn about two A-Z budgeting methods and how to make them work for you • Learn ratio-based budgeting and fixed-amount budgeting • Discover the best budgeting software programs • Design a bulletproof savings strategy to get out of debt, be prepared for emergencies, and set yourself up for retirement Stop hating your financial life: • Learn how to set SMART financial goals • Increase your self-confidence with budgeting • 50 small budgeting tips Financial education is not part of our educational system. It is normal that we don’t know how to budget when we step into the craziness we call adulthood. But it is not normal to stay ignorant about a field of life that (like it or not) guarantees our material survival. Money management is an essential skill for everybody who earns, shops or consumes. If you follow the budgeting tips in this book, you’ll be able to keep track of your finances. You’ll clearly know where your money goes, where it comes from and where can you save. You won’t feel stressed of running out of money unexpectedly, you’ll clear yourself out of debts and have savings for bigger expenses like a vacation, new car or unexpected events. Leave money struggles for yesterday. Grab a copy of Minimalist Budget by hitting buy now in the top right corner of this page.

    Many Canadians who own their home have never considered buying a second property. And nearly one-third of retirees are worried about running out of money. The Real Estate Retirement Plan shows how homeowners can use the tools already available to them — their mortgages — to access the initial capital to invest and prepare for their retirement. This is a proven, validated antidote to today’s historically low savings rates, poor current rates of return, and pressure on CPP and health care.With examples and a detailed discussion of the principles and mechanics, Calum Ross and Simon Giannini demystify real-estate investing and make an irrefutable case for borrowing to invest.

    

    Embassy offers an up-close and personal look into the lives of the diplomats and specialists who make up the U.S. Foreign Service, taking readers inside embassies and consulates in more than fifty countries, providing detailed descriptions of Foreign Service jobs and first-hand accounts of diplomacy in action. Gain a sense of the key role played by each member of an embassy team from Paris to Kabul, from Bogota to Beijing, and places in between. Travel into the rainforests of Thailand with an environmental affairs officer, face rampaging militias with a political officer in East Timor, and join an ambassador on a midnight trip into a Macedonian refugee camp to quell a riot. The book includes profiles of diplomats and specialists around the world serving in Foreign Service positions -- from the ambassador to the security officer, the consular officer to the IT specialist. Also included is a selection of day-in-the-life accounts from seventeen different countries, each describing an actual day on the job. The story section includes twenty-six tales from the field that give a sense of the extraordinary: the coups, the evacuations, the civil wars, the hardships and rewards of representing America to the world.Inside a U.S. Embassy was published by the American Foreign Service Association in 2003, and updated and revised in 2005. Over 70,000 copies have sold.

    When Arsene Wenger said he wanted his team to go through a season undefeated, he was roundly mocked, yet just over 12 months later the Arsenal manager guided his team to footballing immortality.The Gunners’ 2003-2004 campaign was extraordinary, and not just because of their remarkable league achievement.From the highs and lows of Europe, to disciplinary charges, pitched battles, the frantic scramble to finance a new stadium, a club record transfer in January, and winning the title at the ground of the old enemy, this special collector’s edition book looks back on everything that happened during an unforgettable campaign.Match reports, behind the scenes stories, exclusive interviews and illustrations, stats, tactics, pictures; all the things you know, and lots of stuff you’ve forgotten: Together tells the story of Arsenal’s ‘unbeaten’ season.

    Pre-order this beautiful collection of personal letters from the No.1 bestselling author and podcast host of Happy Mum Happy BabyLetters on Motherhood is a collection of heartfelt and deeply personal letters written by Giovanna to her three young sons Buzz, Buddy and Max, husband, Tom, and the family and friends who have inspired and supported her to become the mother that she is today.In this beautiful book she shares the funny and moving personal tales of her own family life whilst also talking about the deeper universal truths of parenting - coping with mum guilt, finding a work/family life balance, positive body image, rediscovering a sense of identity, and a parent's hopes, fears and expectations for their child's future.Honest, heartwarming and hilarious, her own experiences of motherhood and the lessons she has learned along the way will resonate with parents everywhere.

    

    No confusing jargon. No unnecessary mumbo-jumbo. Just clear, easy-to-understand explanations of more than 40 of the most popular option strategies broken down into a play-by-play format including: Play Name: Long Call, Short Call Spread, Iron Condor, etc. The Setup: The goals and reasons to run each play Who Should Run It: Rookies, Veterans or All-Stars, based on degree of difficulty When To Run It: Describes each play as bullish, bearish or neutral The Strategy: A detailed overview of each strategy, their risks and the specific costs associated with multi-leg strategies. description For the first-time option trader The Options Playbook features a "Rookie's Corner," addressing the basic definitions and concepts you need to understand this market, tips to avoid common beginner's mistakes, and suggested strategies to "get your feet wet." For more experienced option traders, an expanded section on implied volatility explains how this handy variable can be used to find the potential range of the stock over the options life. A detailed section on pricing variables (Greeks) helps you understand how an option's price is affected by changes in market conditions. You will also learn how time decay and a change in implied volatility can affect your trade after it's in place and how to recover if things don't go according to plan. The Options Playbook features Options Guy Tips from TradeKing Senior Analyst Brian Overby. Like any good coach, Overby's handy insights help you put theory into successful real-world trading. This expanded 2nd edition includes 10 new plays and 56 new pages of handy content describing a brief history of options, five common mistakes options traders make and how to avoid them, an expanded glossary, how to manage option positions by rolling to a different month and strike, to explaining the difference between index and stock options, managing early exercise and assignment and how to calculate position delta and use it to manage overall position risk of a multi-leg option strategy. Options involve risk and are not suitable for all investors. It is possible to lose more money than invested. Before making any investment decisions, please read Characteristics and Risks of Standardized Options that accompanies The Options Playbook and available at: tradeking.com/ODD. (c) 2015 TradeKing Group, Inc. All rights reserved. Securities offered through TradeKing, LLC, member FINRA and SIPC.

    Find all of the following, explained in plain-English: How your Social Security retirement benefits, spousal benefits, and widow/widower benefits are calculated How your benefits are affected if you have a government pension or if you continue working while claiming Social Security How to decide when is the best age for you (and your spouse, if you're married) to claim Social Security in order to get the most out of your benefits Whether or not it makes sense to take Social Security early in order to invest the money How to check your earnings record on the Social Security Administration's website to make sure you're getting the full benefit you deserve How Social Security benefits are taxed and how this affects retirement tax planning Please note that this book does not cover Social Security disability benefits or Supplemental Security Income (SSI).

    Save time and money and download this 8 page summary now!Forget everything you know about money. Too many of us base our financial decisions on emotions, such as fear, worry, or guilt. It’s time to learn a new approach. Think like a CEO. Use your money to make more money. Know when it’s time to take a risk. We’ll outline the basics, and give you tips to help you reach your family’s financial goals.

    

    Many of us begin our twenties burdened with college loan payments, and it's not unusual to end them with even more debt, often in the form of a costly home mortgage. In this debt-bracketed decade, it's crucial to develop solid money-management skills that will see you into your thirties in sound financial shape. The more you learn about saving, budgeting, and other money matters during your twenties, the more solid a foundation you can create--a foundation that will support your financial life for the next seventy years! In this lively and fun book, personal finance expert Peter Dunn offers practical tips and strategies created specifically to address the financial concerns and goals of readers in their twenties. Learn to master the challenges of this crucial decade with YOUR MONEY LIFE: YOUR 20s.

    It’s as easy as 1-2-3—simply personalize, print, and protect.      Suze Orman and her own estate trust attorney have created the most state-of-the-art documents found anywhere. There are more than $2,500 worth of estate documents in this kit. Why pay thousands of dollars when you can get the same documents in this kit for $19.95!      This kit includes:•     More than 50 state-of-the-art documents•     Free automatic on-line updates•     Verbal and written instructions taking you step by step through the four must-have documents•     Password protection securing multiple users’ information•     A tutorial that shows you everything you need to know•     10 electronic books                                         PC and Macintosh Compatible . . . and good in all 50 states!

     In this book you’ll find: • 9 steps to build a portfolio that will survive the Perfect Financial Storm, so you can stop worrying about the economy, the latest financial catastrophe, or what the market did today • 2 questions you must answer before you invest another dime • Why investing after you retire is radically different from investing while you’re still working • The life expectancy of 6 key types of investments—and what you can do to make them last as long as you do • The 10 essential questions you must ask a financial advisor—before you hire one • The exact amount of money you can withdraw without worry or guilt, knowing you’ve applied the best available research to ensure you’ll never run out of money “Thurman takes a subject that is often misunderstood, and provides you the reasons, the methods, and an understanding of what you can expect to achieve, so you can invest with confidence.” –Jimmy J. Williams, CFP®, CPA/PFS CEO/President of Compass Capital Management, LLC “A must for anyone thinking of retiring or recently retired!” –Stan Toler, bestselling author of The Secret Blend

    VIDEO TRAINING. 12+ HOURS of searchable video training (requires Internet access). If you learn better from videos, watch the videos and use the ebook only for quick reference. If you learn better from books, read the ebook and refer to the videos to see the author demonstrate real world editing techniques. This much video training usually costs over $100 or requires a monthly subscription. 2. 150+ PRESETS. Jump-start your creativity by using the included presets to give your pictures a unique look. Others charge over $200 for this many presets! 3. 50+ RAW PICTURE FILES. Work alongside many of the book's examples, or just learn by experimenting with professional photos. 4. TEACHER & PEER SUPPORT. After buying the book, you get access to the private group on Facebook where you can ask the questions and post pictures for feedback from Tony, Chelsea, and other readers. It’s like being able to raise your hand in class and ask a question! Instructions are in the introduction. With this video book, you ll learn how to instantly find any picture in your library, fix common photography problems, clean up your images, add pop to boring pictures, retouch portraits, make gorgeous prints, create photo books, and even edit your home videos. Tony goes beyond teaching you how to use Lightroom. Tony shows you why and when to use each feature to create stunning, natural photos. When Lightroom is not the best tool, Tony suggests better alternatives. Tony covers every aspect of Lightroom in-depth, but structures his teaching so that both beginner and advanced photographers can learn as efficiently as possible. If you just want a quick start, you can watch the first video or read the first chapter and you'll be organizing and editing your pictures in less than an hour. If you want to know more about a specific feature, switch to that video or jump to that chapter in the ebook. If you want to know everything about Lightroom, watch the videos and read the book from start to finish.