A smart, down-to-earth primer on financial survival-and prosperity-in today's uncertain economy, from the author of the bestselling Retire on Less Than You Think With Retire on Less Than You Think, New York Times business columnist and editor Fred Brock challenged the conventional wisdom on the real costs of retirement. Now he turns his attention to the hype that is driving money decisions during the working years-credit card debt, health care costs, stagnant wages-and shows how it is possible for all of us to build a secure and prosperous household on less than we think. Brock offers his distinctive brand of savvy, real-world advice, including how to - assess the real money value of your job based on commuting costs, benefits, and job market opportunities - get the most out of location, from tax savings and living costs - minimize your housing costs while maximizing your assets - manage major expenses, like college tuition and cars - cut expensive habits and pay attention to the "little" things to boost your savings - get to the bottom line on insurance - play the credit card game to your advantage Brock shows readers how to analyze their true costs of living so that they can live debt- and worry-free while enjoying themselves and securing their future. A substantial list of national, regional, and online resources as well as work sheets once again give readers the tools to customize and realize their financial plans.
Three bestselling works from noted investment advisor John Mauldin in one handy e-book collection Renowned investment advisor and New York Times bestselling author John Mauldin is one of the most well-known and admired economic observers anywhere and a trusted name for millions of investors. In this all-in-one e-book collection, three of Mauldin's biggest selling and most important titles are available together for the first time. In Bull's Eye Investing, Mauldin uses six different perspectives on the markets to prepare investors for a profitable future In Just One Thing, Mauldin offers a shortcut to prosperity with personal guidance from a selection of highly-regarded financial experts, each of whom provide their single most useful piece of advice In Endgame, Mauldin argues that rather than slowly recovering from the current financial crisis, the world economy is entering a period in which governments, rather than households, will experience extreme financial "restructuring"
15 original stories about those who earn their living through spellcraft From a boy who discovers life can be an illusion...to a man who maintains company security through enchantment...to a young woman who inherits a real magic shop...to a gambler who needs a sure way to beat the odds...to a woman who creates unique chocolates-here are 15 imaginative tales that run the whole gamut of wizardly professions.
WARNING: This is not just another book on evangelism. It’s a simple idea of evangelism through friendship first, and the opportunities to share your faith that follow. It will bring friendships you already have to a new levels, and create opportunities for new, authentic friendships with those you will eventually meet. OUT: Evangelism as sales pitch, as conquest, as warfare, as ultimatum, as threat, as proof, as argument, as entertainment, as show, as monologue, as something you have to do. IN: Disciple-making as conversation, as friendship, as influence, as invitation, as companionship, as challenge, as opportunity, as conversation, as dance, as something you get to do. You’re more ready for this than you realize, and so are your friends!
The bestselling, hands-on retirement guide from Fred Brock, thoroughly updated and expanded for in-depth advice on housing assets, health-care options, and more With Retire on Less Than You Think, Fred Brock challenged the conventional wisdom on the real costs of retirement— and it struck a chord with Americans. Now, as mutual-fund investments continue to be a roller coaster, Brock updates his indispensable advice on finding asset streams, working during retirement, maximizing your health insurance, and choosing a community and housing to show how to • manage the quicksand of the housing market (your best asset) • pay for the spiraling costs of prescription drugs • discover new cost-cutting savings • plan for shifts over time in your financial goals Boasting expanded resource lists and worksheets, Retire on Less Than You Think is the best guide available for making your retirement dreams a reality.
Even after leaving her husband and a suffocating marriage for a new lover in Rome, a woman finds herself trapped by the routines of life and coping with her past and her self-absorbed lover, Edmund, with the only break in her routine being Edmund's defiant, precocious seven-year-old brother. Reprint. 15,000 first printing.
Merci Rayborn, T. Jefferson Parker's stubborn, principled Orange County detective, is almost alone in believing that deputy Archie Wildcraft didn't kill his beautiful young wife and then turn his service weapon on himself. The evidence against Wildcraft--now hospitalized with a bullet lodged in his head--seems overwhelming. But Merci, who's still unpopular for exposing an old police scandal that caused the death of one cop and the ruination of others (The Blue Hour), is resisting pressure from her boss and a headline-hunting D.A. to arrest Wildcraft and charge him with murder. Then the deputy, who's lost his memory and maybe his mind as a result of his injury, goes missing from his hospital room, intent on tracking down the real killers and managing to stay a step ahead of Merci. Soon, they both begin to realize that Gwen Wildcraft wasn't killed because she got in the way of an attempted hit on her husband--it was the other way around. Parker, whose skills at characterization are as well honed as his expert pacing and intricate plotting, has penned another standout that will keep readers guessing and gasping until the last dramatic page. --Jane Adams
Covering cognitive experiments, patients with memory disorders, the areas of the brain involved in memory, and the cognitive theory that links this research together, Memory: Foundations and Applications offers a unique emphasis on how an understanding of the science of memory can be applied to education, police investigations, courtrooms, memory clinics, and everyday life. In addition, this innovative book shows students how to use these principles to improve their own ability to learn and remember.
Just under the surface of normal, everyday life lurks a secret conflict that has been waged since the dawn of mankind, and the worst series of murders in the history of Los Angeles threatens to bring this ancient conflict to a head. From the U.S. to Hong Kong, from Berlin to Hell and back again, the world unknowingly teeters on the edge, and the last thing standing in the way of the destruction of mankind is someone who is neither good nor evil but a little bit of both, a man who reluctantly possesses the ability to save the world or let it crumble and collapse into chaos. As he wrestles with his place and purpose, even his very own existence, having long struggled to endure a life spent as the focus of constant fear and resentment from those both good and evil, he will confront the nightmares no one else dares to face and finally be forced to decide his fate once and for all and ultimately take the entire world with him.
What I Want My Adopted Child to Know: An Adoptive Parent's Perspective is a tender, revealing look at adoption from the parent perspective. Whether you are an adoptive parent, an adoptee, someone considering adoption, or simply curious about adoption dynamics, What I Want My Adopted Child to Know: An Adoptive Parent's Perspective will touch your heart and increase your sensitivity to the challenges and joys that are unique to adoptive parenting. Bacchetta wrote the book in response to a need common among adoptive families. Adoptive families navigate emotional terrain that fully-biological families don't have to. This is a book adoptive parents can give to their child and say, I know adoption is painful, unsettling, joyous, and affirming. It's that way for me too. More than anything, adoption is the way we came together, and I'll always be grateful for that.' Bacchetta's words echo with the collective voice of over 100 adoptive parents interviewed for this book. With chapters like I Would Do it All Again , You Are Not Different Because You Were Adopted, and I Regret What I Can't Give You, What I Want My Adopted Child to Know is by turns affirming, challenging, thoughtful, wistful, and poignant.
The book that every dean and department chair needs to survive—and thrive—in the twenty-first-century university. First released in 2006, The College Administrator’s Survival Guide has served as the bible for a generation of provosts, deans, department chairs, and program directors. Shrewd administrators have returned to the guide time and again for C. K. Gunsalus’s advice on handling complaints, negotiating disagreements, and dealing with difficult personalities. Now, in this revised and updated edition, Gunsalus guides rookie administrators and seasoned veterans through today’s most pressing higher-education challenges. These days academic leaders must respond to heightened demands for transparency and openness. These demands are intensified by social media, which increases the visibility of university conflicts and can foster widespread misinformation about campus affairs. Meanwhile, institutions have become flatter, with administrators expected to work more closely with faculty, students, and a range of professionals even as support staffs shrink. Between the ever-replenishing inbox, the integration of often-exasperating management systems into every dimension of academic life, and the new demands of remote learning, deans and department heads are juggling more balls than ever before. Tightening budgets have already forced administrators into more difficult choices and, in the wake of COVID-19, there will be no relief from financial constraints. From #metoo to partisan battles over curricula and funding, college and university leaders need more savvy and greater sensitivity than ever. What hasn’t changed are the challenges of dealing with difficult people and the importance of creating and maintaining environments in which faculty, staff, and students have the support they need to do their best work. The College Administrator’s Survival Guide provides the tools to keep cool and get the job done.
How I Built A $37 Million Insurance Agency In Less Than 7 Years is Darren Sugiyama’s tell-all book about how he started his insurance empire with nothing more than a cell phone, an unorthodox business plan, and a whole lot of ambition. In this book, Darren discusses How To Become A Master Recruiter, The Importance Of Having A System-Driven Business, How To Design High-Impact Sales Scripts, How To Deliver The Perfect Sales Pitch, How To Build a Company Culture, The Secret to Managing 1099 Independent Contractors, and much more.
White Cargo is the forgotten story of the thousands of Britons who lived and died in bondage in Britain’s American colonies. In the seventeenth and eighteenth centuries, more than 300,000 white people were shipped to America as slaves. Urchins were swept up from London’s streets to labor in the tobacco fields, where life expectancy was no more than two years. Brothels were raided to provide “breeders” for Virginia. Hopeful migrants were duped into signing as indentured servants, unaware they would become personal property who could be bought, sold, and even gambled away. Transported convicts were paraded for sale like livestock. Drawing on letters crying for help, diaries, and court and government archives, Don Jordan and Michael Walsh demonstrate that the brutalities usually associated with black slavery alone were perpetrated on whites throughout British rule. The trade ended with American independence, but the British still tried to sell convicts in their former colonies, which prompted one of the most audacious plots in Anglo-American history. This is a saga of exploration and cruelty spanning 170 years that has been submerged under the overwhelming memory of black slavery. White Cargo brings the brutal, uncomfortable story to the surface.
1945: Russian troops have entered Berlin, and are engaged in a violent orgy of robbery, rape, and revenge... Wehrmacht officer Hasso Pemsel, a career soldier on the losing end of the greatest war in history, flees from a sniper's bullet, finding himself hurled into a mysterious, fantastic world of wizards, dragons, and unicorns. There he allies himself with the blond-haired, blue-eyed Lenelli, and Velona, their goddess in human form, offering them his knowledge of warfare and weaponry in their genocidal struggle against a race of diminutive, swarthy barbarians known as Grenye. But soon, the savagery of the Lenelli begins to eat at Hasso Pemsel's soul, causing him to question everything he has long believed about race and Reich, right and wrong, Übermenschen and Untermenschen. Hasso Pemsel will learn the difference between following orders... and following his conscience.
Behavioural investing seeks to bridge the gap between psychology and investing. All too many investors are unaware of the mental pitfalls that await them. Even once we are aware of our biases, we must recognise that knowledge does not equal behaviour. The solution lies is designing and adopting an investment process that is at least partially robust to behavioural decision-making errors. Behavioural Investing: A Practitioner’s Guide to Applying Behavioural Finance explores the biases we face, the way in which they show up in the investment process, and urges readers to adopt an empirically based sceptical approach to investing. This book is unique in combining insights from the field of applied psychology with a through understanding of the investment problem. The content is practitioner focused throughout and will be essential reading for any investment professional looking to improve their investing behaviour to maximise returns. Key features include: The only book to cover the applications of behavioural finance An executive summary for every chapter with key points highlighted at the chapter start Information on the key behavioural biases of professional investors, including The seven sins of fund management, Investment myth busting, and The Tao of investing Practical examples showing how using a psychologically inspired model can improve on standard, common practice valuation tools Written by an internationally renowned expert in the field of behavioural finance