Middle-class couples are working harder than ever. So why are they finding it more difficult to finance their homes, send their kids to college, and save toward retirement?Couples who are strapped for time and weighed down by costly fixed expenses need more than a personal finance pep talk: They need a plan. In The Big Payoff, CNBC correspondent Sharon Epperson lays out a nuts-and-bolts program that couples of all ages can use to realize their financial dreams. From stretching your budget and investing wisely in your home to protecting your family's money and building wealth over the years, The Big Payoff offers a concise bounty of precious information and practical steps toward financial wellness.Epperson begins by showing couples how to communicate better about money. She helps them realize that the same qualities needed to create a lasting relationship understanding, compromise, and patience are vital when it comes to building a secure financial future. Every important decision couples make, whether it's buying a home, having kids, changing jobs, or preparing for retirement, will inevitably involve a discussion about money, and Epperson teaches them how to handle finances with a cool hand while keeping the marriage vibrant and healthy. In addition, she empowers couples to take money matters into their own hands and shows them that by taking control of their finances, they can stop fretting about cash and start focusing on the important things in life.Each of the following chapters is designed to get partners talking and thinking about their financial life together. In eight easy-to-understand steps, Epperson unpacks the various options for saving money; creating emergency, retirement, and college savings plans; investing in a home; choosing the right life and health insurance; and drafting an estate plan. A wife and mother of two herself, Epperson knows a thing or two about the pitfalls of financial planning and doses her advice with plenty of humorous anecdotes, hard-earned experience, and down-to-earth language. Additionally, through helpful worksheets and exercises, The Big Payoff helps readers customize a plan that will work best for them and reap the most payback.It's never too late or too early to start, and now is the best time to start planning. Whether you are newlyweds or fast-approaching retirement, just starting a family or soon to be empty-nesters, this book is for you. After working hard to provide for your family, the reward of discovering your financial strength will be the peace of mind to enjoy your marriage, your family, and the rest of your lives together.

How to generate the positive energy found in successful organizations What is organizational energyAccording to internationally recognized leadership coach David Cottrell, it is not short-term enthusiasm for the latest corporate program-of-the-week. Instead, it is grounded in something much deeper a solid commitment to an organization, its mission, and its values. When used positively, organizational energy strengthens and solidifies personal motivation, producing an unshakable desire to achieve bigger and better results. It is a precious resource your organization cannot afford to be without.In Monday Morning Motivation, Cottrell takes inspiration from Einstein's famous equation E=mc 2 to provide a step-by-step strategy you can use to access your organization's energy reservoir (E) and accelerate your people (m) to the next level of performance. Specifically, he reveals the vital conductors of energy (c) that you need to motivate your team and customers synchronization, speed, communication, customer passion, and integrity and expertly demonstrates the effect that your leadership style ( 2 ) has on the effectiveness of these conductors. Fortunately you don't need to be Einstein to learn and apply these principles to your organization. You just need one hour each week for ten weeks to consider Cottrell's helpful discussion questions and determine what you can do right now to become a better leader and motivator. If you do, you will launch your organization to greater results and a whole new stratosphere of job satisfaction.

The Personal Finance Classic . . . that's fun to read!You Need the Truth About MoneyCompletely revised and expanded, The Truth About Money shows you everything you need to know about personal finance and explains it all in plain English. Investments, insurance, taxes, mortgages, leasing cars, getting out of debt, wealth planning for multimillion-dollar estates it's all here for you.Whether you're saving for college or retirement, buying a home or selling one, concerned about long-term care for yourself or your parents, worried about an impending job loss, or facing any financial decision, knowing what's in The Truth About Money will help you make great financial decisions.New to This EditionPlanning Your Retirement LifestyleLearn how to retire in comfort and financial security (and what to do when you get there) (pg. 485).The Best Investment ChoiceLearn how ETFs can help you create wealth while saving you big money (pg. 176).Target-Date FundsIt's what you don't know that can hurt you (pg. 269).Behavioral Finance and NeuroeconomicsLearn why you make bad financial decisions and how to break the cycle (pg. 224).Picking the Best FundsFind out the truth about Morningstar ratings (pg. 250).Are Your Parents Aging?See how best to provide help without harming yourself financially (pg. 374).The Most Important Financial Decision You'll MakeFind out how to make this decision successfully (pg. 631).Plus more than 100 Pages of New Content!

In troubled times, it is only natural to worry about our financial security. That's why now is the time to act -- to preserve your financial well-being, and that of your family, and to ensure your peace of mind.Financial expert and best-selling author Ric Edelman has written this guide to help all of us quickly safeguard our economic lives. Edelman's eight-point action plan -- actions that you can take right now -- will help you protect yourself and your family, as well as your money, your income, your job, your home, your possessions, and your business. You'll learn how to manage the powerful emotions that can cloud your financial judgment, and find the guidelines you need to make the right investment decisions now that will secure your investments today and prepare you for the future.And because it is more important than ever that we be generous in our charitable giving, you will learn the best ways to give, so you can lend support to all our neighbors who are in such dire need of our help.Financial Security in Troubled Times will help all of us face the future, knowing that our financial house is in order and that we are ready to meet the challenges ahead.

At a time when it's harder than ever to get and keep people's attention, we could all use some help. Enter Sonya Hamlin, author of the now classic How to Talk So People Listen (1988), and one of the country's leading communication experts. In this revised and updated edition, Sonya Hamlin, arguably America's leading communication expert, shows us how to successfully capture people's attention so that they listen, understand, and are persuaded by your message especially in the plugged in, fast paced, visually driven atmosphere that is today's workplace. Whether making a presentation to a large audience or dealing one on one with a client or colleague, or communicating by Email, Hamlin teaches us that one of the keys to making people listen is to think about and respond to what motivates them namely, self interest. She then provides tools to assess others' self interest and use it to get them to listen to your message. Hamlin also explains how to capitalize on the latest visual aids we have at our disposal today. We learn to determine what information needs or lends itself to visual presentation, and how to make visuals active, so that they serve as an extension of the speaker. In How To Talk So People Listen, you'll also find practical information on how to understand your audience, how to encourage your listeners to trust you, and how to be yourself when you're on the podium.

The career management secrets that experts and top professionals use. Get results fast with this quick, easy guide to the fundamentals of Career Management. Includes how to: ? Assess your career goals ? Create and follow an exciting career plan ? Make yourself visible for your ideal job ? Deliver the perfect interview ? Get yourself noticed and promoted, or go it alone

A hard-hitting exposé of the overwork culture and modern management techniques that seduce millions of people to hand over the best part of their lives to their employer. Work has come to increasingly dominate British national life. ‘Job intensification’ affects every shopfloor, office, classroom and hospital, as a cult of efficiency has driven a missionary magnetism of tighter deadlines and more exacting targets in the most exploitative and manipulative work culture developed since the Industrial Revolution. What do we get in return for this hard work? Stagnant wages, job insecurity, stress, exhaustion; the British workforce has not been so powerless for over a century. ‘Willing Slaves’ exposes the paradox that, though we’re all being exploited, it’s work that has come to give our lives meaning: religion, political causes, family life have become secondary. This book reveals how this astonishing fraud has been perpetrated, how millions of workers know they face burnout but believe ‘there is no alternative’. Bunting tells us how to take our lives back – and what will happen if we don’t.

The finance basics that experts and top professionals understand. Get results fast with this quick, easy guide to the fundamentals of Finance. Includes how to: ? Analyse a business from its financial reports ? Understand a Profit and Loss account ? Make sense of accounting jargon ? Build a financially sound business plan ? Deal with revenue, profit and cashflow

The selling secrets that experts and top professionals use. Get results fast with this quick, easy guide to the fundamentals of Selling. Includes how to: ? Pitch your product to meet the needs of your customer ? Use body language to build rapport ? Negotiate and close the deal ? Make your customers keep coming back for more ? Develop new business relationships

The marketing secrets that experts and top professionals use. Get results fast with this quick, easy guide to the fundamentals of Marketing Includes how to: ? Position your product for a target market ? Build a brilliant marketing plan ? Create stunning branded marketing materials ? Use memorable publicity to build market interest ? Take advantage of new technology

Jam-packed with up-to-date, easy-to-understand information on every area of money, this smart, useful book—just right for kids age 8–14—makes learning about money fun. A savvy brother and sister team, Arthur and Rose explain a lot about money matters, including:?Budgets and savings (great ways to get the stuff you really want!) ?The basics of stocks, bonds, and other ways of investing ?Credit cards (“The Plastic Flash”) and borrowing ?Updated information on the Internet with useful Web links ?Online investing, Web safety precautions ?Saving and paying for college ?And much more

There is an epidemic of unhappiness in the American workplace. A full 70 percent of workers in the United States report that they are disengaged from their jobs. When asked, "Do you have the opportunity to do what you do best every day?" only 20 percent of nearly 2 million employees said yes. It is no wonder that 56 percent of all Americans dream of starting their own business. So why don't they do soBecause starting one's own business is seen as difficult, expensive, and risky.In this extraordinary book, successful Go It Alone! entrepreneur Bruce Judson explains that the conventional wisdom about starting your own business is stunningly wrong. Using the leverage of technology -- e-mail, the World Wide Web, and the remarkable array of off-the-shelf business services now available -- it is dramatically easier to start your own business. Magnified by these new services, it is also possible to create, for the first time, a highly focused business.Bruce Judson shows you the practical steps that will allow nearly any individual to create a business, often using job skills that seem to require an entire corporation for support. It is no longer necessary to spend time on the tasks that don't add value. It is now possible to stay small but reap big profits. Go-it-alone businesses allow the individual the freedom to concentrate on their greatest skills. After reading this book, your motto will be "Do What You Do Best, Let Others Do the Rest."

This is the story of Rebecca Smith and John R. Emshwiller, the two reporters who led the Wall Street Journal's reporting on Enron and uncovered the unorthodox partnerships at the heart of the scandal through skill, luck, and relentless determination. It all started in August 2001when Emshwiller was assigned to write a supposedly simple article on the unexpected resignation of Enron CEO Jeff Skilling. During his research, Emshwiller uncovered a buried reference to an off-balance-sheet partnership called LJM. Little did he know, this was the start of a fast and furious ride through the remarkable downfall of a once highly-prized company. Written in an intense, fast paced narrative style, 24 Days tells the gripping story of the colossal collapse of what would become the world's most notorious corporation. The reader follows along as Smith and Emshwiller continue to uncover new partnerships and self-dealing among the highest levels of Enron's management. As they publish articles detailing their findings in the Journal, Wall Street and individual investors have a crisis of confidence and start selling Enron stock at unprecedented levels of volume. In the end - 24 short days later - Enron had completely collapsed, erasing 16 years of growth and losing $19 billion in market value while watching the stock drop from $33.84 to $8.41. Not only was the company destroyed, but investors and retired employees were completely wiped out-all the while Enron executives were collecting millions of dollars. Climaxing with this 24-day period, this book shows the reporter's-eye view of a David-and-Goliath battle between journalists and a giant corporation. Each day a new story uncovered another fact; each day the company issued denials. And when the investigative stories reached critical mass and momentum, the stock market cast its final vote of no confidence. In the tradition of Indecent Exposure and Barbarians at the Gate, two other gripping narratives that began as a series of Wall Street Journal stories and ended up as books that defined an era, 24 Days brings the importance of great investigative journalism to life.

According to the Department of Labor, the average woman in 1998 was bringing home less than $25,000 a year. For every dollar that a man makes, a woman makes between 50 and 75 cents, and that is hardly news. But what you may not know is that, quietly and steadily, the number of women making six figures or more is rapidly increasing. Currently, over fifteen million women make $100,000 or more, and the number continues to rise at a rate faster then for men. And these women come from every industry - psychologists, dot com founders, consultants, freelance writers, and even part-timers. What makes these particular women able to do so well in the workplaceFueled by curiosity, Barbara Stanny, author of Price Charming Isn't Coming: How Women Get Smart About Money (Viking Penguin), set out to research this phenomenon. What she discovered was that, though the high-earning women she interviewed came from different backgrounds and had had greatly different work experiences, they all had certain characteristics in common. Secrets of Six Figure Woman: Surprising Strategies of the Successful High Earners will be a ground breaking book for high earners who want to ensure their wealth, enhance their success, and learn from others who are in the same boat. It will also offer inspiration, guidance, and motivation to those who aspire to make more.

Playing With The Big Boys -- And Beating Them At Their Own Game! From Meg Whitman of eBay to Marcy Carsey of Carsey-Warner and Oxygen Media, today's leading businesswomen show how to make it in the notorious boys' club of corporate America.Gone are the days when men called the shots. More and more women have replaced men or excelled over rivals in male-dominated industries because they possess the qualities of leadership that top firms are seeking today. Esther Wachs Book introduces the new Female Leader and reveals the seven key, and uniquely female, qualities of leadership that are turning the world around -- and allowing more women to achieve success.Filled with compelling insights gleaned from the country's highest-ranking businesswomen, Why the Best Man for the Job Is a Woman reveals how these exceptional women have soared to the top and captures their strategies for success.

Reengineering has captured the imagination of managers and shareholders alike, sending corporations on journeys of radical business redesign that have already begun to transfigure global industry. Yet aside from earning them improvements in their business performance, the shift into more-process-centered organizations is causing fundamental changes in the corporate world, changes that business leaders are only now beginning to understand. What will the revolutions final legacy beBeyond Reengineering addresses this question, exploring reengineering's effects on such areas as: Jobs: What does process-centering do to the nature of jobsWhat does a process-centered workplace feel likeManagers: What is the new role of the manager in a process-centered companyEducation: What skills are vital in the process-centered working world, and how can young or inexperienced workers prepareSociety: What are the implications of process-centering for employment and the economy as a wholeInvestment: What are the characteristics of a successful 21st-century corporationAn informed look at one of the most profound changes to ever sweep the corporate world, Beyond Reengineering is the business manual for the 21st century.

You are not alone. Finally, here is a book that gets to the heart of what professional women want. You've probably been loath to admit it, but like most of us, you have had enough of the sixty-hour workweeks, the day-care dash, and the vacations that never get taken. You don't want to quit, you want to work but on your own terms and in ways that make it possible to have a life as well.Women have power. In Womenomics, journalists Shipman and Kay deal in facts, not stereotypes, providing a fresh perspective on the largely hidden power that women have in today's marketplace. WhyCompanies with more women managers are more profitable. Women do more of the buying. A talent shortage looms. Younger generations want to work flexibly, too. It all adds up to a workplace revolution that is great news for professional women not to mention men and businesses as well. As Brenda Barnes, CEO of Sara Lee, notes: Companies need to recognize that this kind of flexibility offers employees the ability to manage and balance their own careers and lives, which in turn improves productivity and employee morale.This new way of thinking and working is all the more valuable in a recession, as companies begin offering flexible schedules, four-day workweeks, and extended vacations as a way to avoid layoffs, save costs, and still reward employees. It is personal. Womenomics does more than marshal the evidence of this historic shift. It also shows women how to redefine success, be productive, and build satisfying careers that don't require an all-or-nothing lifestyle. Most appealing are the candid personal anecdotes from Shipman's and Kay's own experiences and the stories they have gathered from professional women around the country who are coping with the same issues.It is possible. Shipman and Kay don't waste time on what women can't do or can't have. Instead, they show women how to chart an empowering, exhilarating course to a richer life. Inspiring, practical, and persuasive, Womenomics offers a groundbreaking blueprint for changing the way you live and work with advice, guidance, and fact-based support that proves you don't have to do it all to have it all.

A road-tested formula for improving your performance, from one of the business world's most successful and productive executives. Robert C. Pozen taught a full course load at Harvard Business School while serving as the full-time chairman of a global financial-services firm. He's written six books and hundreds of articles, raised a family with his wife of more than four decades, and served on many boards of local charities and public companies. Pozen is a prince of productivity, a man who has worked smarter and faster than almost everyone around him for more than forty years.In Extreme Productivity, Pozen reveals the secrets to workplace productivity and high performance. His book is for anyone feeling overwhelmed by an existing workload facing myriad competing demands and multiple time-sensitive projects. Offering antidotes to a calendar full of boring meetings and a backlog of e-mails, Extreme Productivity explains how to determine your highest priorities and match them with how you actually spend your time. Pozen shows that in order to be truly productive, professionals must make a critical shift in their mind-set: from hours worked to results produced. He helps people at all stages of their careers read, write, and make presentations quicker and more effectively. He provides professionals with practical tips on how to efficiently use their time in the office while leading full and productive personal lives as well.

From Randi Zuckerberg, social media and technology expert and former marketing executive at Facebook, comes a welcome, essential guide to understanding social media and technology and how they influence and inform our lives online and off.Technology and social media have changed, enhanced, and complicated every facet of our lives from how we interact with our friends to how we elect presidents, from how we manage our careers to how we support important causes, from how we find love to how we raise our children.The technology revolution is not going away. We can't hide from it or pretend that it's not changing our lives in a thousand different ways. So how do we dealIn Dot Complicated, Randi Zuckerberg shows us. Through first hand accounts of her time at Facebook and beyond, where Zuckerberg witnessed this remarkable shift, she details the opportunities and obstacles, problems and solutions, to this new online reality. In the process, she establishes rules to bring some much-needed order and clarity to our connected, complicated, and constantly changing lives online.The Internet, social networks, and smartphones,Zuckerberg writes, have given us amazing new tools and ways of communicating, collaborating, and living with one another. We can use new technology to understand and solve some very old challenges that individuals and communities around the world have faced since long before Facebook, or anything like it, existed.Invaluable, timely, and engaging, Dot Complicated reveals how to make it through your life online in one piece from the etiquette of unfriending and the power of crowdsourcing to the perils of photo tags and the importance of teaching your kids how to be tech savvy.

Are You Considering Early Retirement?Do You Know Someone Who Is Considering This Momentous DecisionWith Retire EarlyMake the SMART Choices, Steven Silbiger, CPA, offers a short guide to the big issues of retirement planning packed on every page with detailed, step-by-step advice. Choosing when to retire is one of the most important and overlooked decisions we will make about our lives. Silbiger, author of The Ten-Day MBA, has written the first guide that untangles the complicated issues surrounding early retirement, based on careful research about the money pitfalls retirees and near-retirees face. He delivers an understandable roadmap that demystifies the confusion about Social Security benefits, and clarifies the choices for anyone considering when and how to retire.Are you thinking about getting the early Social Security checkIt can be tempting, but for many this can be a foolhardy decision. For others, it makes perfect sense. Making the smart choice about when to retire can make a $100,000 difference for an individual and $200,000 for a couple. Silbiger guides readers through the key variables that affect the decision to elect early Social Security retirement benefits: What are your early benefits and penaltiesHow's your healthAre you marriedAre you planning on working while retiredWhat are your cash needs during retirementBy getting a grip on how to manage our investments, cash flow, and real estate, Silbiger shows how we can put thousands of dollars more into our pockets every year. He addresses vital questions about money and retirement that include: Tapping your nest egg for retirement how to make ends meetWhich retirement investments are for youAre you prepared to fend off scam artistsThrough it all, you'll meet everyday people who have faced the early retirement question and learned how to make the smart choices. Silbiger provides the tools, worksheets, and assessments to avoid costly mistakes, take charge of your financial future, and choose the path to a secure, happy retirement.

What is Your Collaborative Intention?James W. Tamm and Ronald J. Luyet provide tools that will increase your ability to collaborate. You will learn to be more aware of others and how to problem-solve and negotiate. Collaborative skills have never been more important, and these skills are absolutely necessary for today's workplace.Radical Collaboration is a how-to-manual for anyone who wants to create trusting, collaborative environments, and transform groups into motivated and empowered teams.It is an eye-opener for leaders, managers, HR professionals, agents, trainers, and consultants who are seeking constructive ways of getting the results they want.