The popular TODAY financial editor Jean Chatzky helps you navigate through the critical challenges and potential catastrophes of personal finance.You've just lost your job. You've got a baby on the way. Your parent has had a stroke. Most people seek financial help not because they're planning for the future but because they need it . . . right now! If you have money problems or are seeking immediate help to solve a dire, unanticipated financial emergency, then you need Money 911. In this invaluable guidebook, financial expert Jean Chatzky provides answers to today's most pressing financial questions and concerns, including: How do I get out of debtHow do I avoid foreclosureHow do I set up a monthly budgetHow can I improve my credit scoreHow do I get my health insurance to pay a claimWhat should I do when I lose a parentWith Money 911, you can prepare for retirement, buy or sell a home, pick up the pieces of your personal finances, and get back on your feet and stay there!

At nineteen, Michael Dell started his company as a freshman at the University of Texas with $1,000 and has since built an industry powerhouse. As Dell journeys through his childhood adventures, ups and downs, and mistakes made along the way, he reflects on invaluable lessons learned.Michael Dell's revolutionary insight has allowed him to persevere against all odds, and Direct from Dell contains valuable information for any business leader. His strategies will show you effective ways to grow your business and will help you save time on costly mistakes by following his direct model for success.

Former NBA center Adonal Foyle has seen athletes burn through millions on women, large entourages, family gifts, gambling debts even shark tanks! Such spending habits are partly responsible for 60 percent of NBA players going broke within five years of retirement and nearly 80 perfect of NFL players being strapped within two.Rich with anecdotes from a sports insider, Winning the Money Game shows you how to avoid the financial fouls of athletes. Foyle gives you the straight, offering guidance on a wide range of money matters, from taxes to alimony, from child support to medical bills, and so much more. He beaks down expenses point by point, illustrating the difference between luxury items and family needs, and lays out the essential dos and don'ts to help you spend, save, and grow your money wisely.

Happy Couples Know How to Talk About MoneyThe number one cause for divorce is financial infidelity. Now "The Money Couple" reveals the missing ingredient needed before any financial program or plan can work: healthy financial communication. This book tells you how to: Diagnose your level of financial infidelity Identify your individual Money Personality Master the Money Huddle and the Money Dump Achieve financial goals once and for all

Vanity Fair presents 21 true stories of the new hard times Where did all the billions goCommissioned by the editors at Vanity Fair magazine, The Great Hangover is an eye-opening collection of essays on the global economic crisis by fifteen of the most respected contemporary business writers in America, including:Bryan Burrough (Barbarians at the Gate) on the atmosphere of uncertainty and fear that preceded the demise of Bear Stearns . . . Michael Lewis (Liar's Poker) on Iceland's bizarre national implosion . . . Mark Bowden (Black Hawk Down) on the decline of The New York Times and the threat to the ailing newspaper industry . . . Mark Seal on the defining figure of the seriously tarnished New Gilded Age: the Grand Master of Greed, Bernie Madoff . . . Along with compelling and sometimes hair-raising pieces from a dozen other Vanity Fair contributors on the recent recession's myriad villains and victims and the worldwide impact of the financial downturn.

Serial entrepreneur and journalist Shane Snow delves into the reasons why some people and some organizations are able to achieve incredible things in implausibly short time frames, showing how each of us can use these "smartcuts" to rethink convention and accelerate success.Why do some companies attract millions of customers in mere months while others flopHow did Alexander the Great, YouTube phenom Michelle Phan, and Tonight Show host Jimmy Fallon dash to the top in less time than it takes most of us to get a midlevel promotionHow do high-growth businesses, world-class heart surgeons, and underdog marketers beat the norm?Like computer hackers, a handful of innovators in every era use lateral thinking to find better routes to stunning accomplishments. Throughout history, the world's biggest successes have been achieved by those who refuse to follow the expected course and buck the norm.Smartcuts is about bucking the norm. In it, Snow shatters common wisdom about success, revealing how conventions like "paying dues" prevent progress, why kids shouldn't learn multiplication tables, and how, paradoxically, it's easier to build a huge business than a small one.Smartcuts tells the stories of innovators who dared to work differently and lays out practical takeaways for the rest of us. It's about applying entrepreneurial and technological concepts to success, and how, by emulation, we too can leapfrog competitors, grow businesses, and fix society's problems faster than we think.

You are a good person. You are one of the 84 million Americans who volunteer with a charity. You are part of a national donor pool that contributes nearly $200 billion to good causes every year. But you wonder: Why don't your efforts seem to make a differenceFifteen years ago, Robert Egger asked himself this same question as he reluctantly climbed aboard a food service truck for a night of volunteering to help serve meals to the homeless. He wondered why there were still people waiting in line for soup in this day and age. Where were the drug counselors, the job trainers, and the support team to help these men and women get off the streetsWhy were volunteers buying supplies from grocery stores when restaurants were throwing away unused fresh food every nightWhy had politicians, citizens, and local businesses allowed charity to become an end in itselfWhy wasn't there an efficient way to solve the problemRobert knew there had to be a better way. In 1989, he started the D.C. Central Kitchen by collecting unused food from local restaurants, caterers, and hotels and bringing it back to a central location where hot, nutritious meals were prepared and distributed to agencies around the city. Since then, the D.C. Central Kitchen has been named one of President Bush Sr.'s Thousand Points of Light and has become one of the most respected and emulated nonprofit agencies in the world, producing and distributing more than 4,000 meals a day. Its highly successful 12-week job-training program equips former homeless transients and drug addicts with culinary and life skills to gain employment in the restaurant business. In Begging for Change, Robert Egger looks back on his experience and exposes the startling lack of logic, waste, and ineffectiveness he has encountered during his years in the nonprofit sector, and calls for reform of this $800 billion industry from the inside out. In his entertaining and inimitable way, he weaves stories from his days in music, when he encountered legends such as Sarah Vaughan, Mel Torme, and Iggy Pop, together with stories from his experiences in the hunger movement -- and recently as volunteer interim director to help clean up the beleaguered United Way National Capital Area. He asks for nonprofits to be more innovative and results-driven, for corporate and nonprofit leaders to be more focused and responsible, and for citizens who contribute their time and money to be smarter and more demanding of nonprofits and what they provide in return. Robert's appeal to common sense will resonate with readers who are tired of hearing the same nonprofit fund-raising appeals and pity-based messages. Instead of asking the "who" and "what" of giving, he leads the way in asking the "how" and "why" in order to move beyond our 19th-century concept of charity, and usher in a 21st-century model of change and reform for nonprofits. Enlightening and provocative, engaging and moving, this book is essential reading for nonprofit managers, corporate leaders, and, most of all, any citizen who has ever cared enough to give of themselves to a worthy cause.

The definitive guide to turning the Millennials' great expectations into even greater results The Millennial generation (those born between 1982 and 2000) has rapidly entered the workforce in greater numbers, but its introduction to the workplace has been anything but seamless. In fact, many companies already report attention-grabbing stories about: the mother who called HR to complain when her Millennial daughter got a mediocre performance review; the new hire who dialed the CEO directly to tell him what the company could be doing better; the young employee who revealed a confidential new product on her Facebook page before it was made public. Clashes like these are happening in workplaces around the world, and they leave leaders and coworkers scratching their heads and wondering, "What do these Millennials wantWhy are they so differentHow do we get the good ones in the doorHow do we keep them there without alienating the other generations?" Going forward, a company's success will depend upon knowing the answers to these questions, because they are the keys to motivating this new generation and to taking advantage of the amazing potential it possesses. In The M-Factor, Baby Boomer Lynne Lancaster and Generation Xer David Stillman draw on cutting-edge case studies, findings from large-scale surveys, and hundreds of interviews to identify the seven trends essential for understanding and managing the Millennials: the role of the parents, entitlement, the search for meaning, great expectations, the need for speed, social networking, and collaboration. Observant, humorous, and savvy, this book the ultimate guide to Millennials in the workplace offers valuable insights and practical, take-action tips and solutions that Traditionalists, Boomers, Gen Xers, and even Millennials can use to bridge generational gaps, be more productive, and achieve organizational success like never before.

What if there were a clear set of instructions to help you bring your best ideas to lifeAs with a recipe, you could take a compelling idea and with concrete steps, transform it into something extraordinary. As a professor at Stanford University, Tina Seelig has dedicated her career to teaching the practice of moving from imagination to implementation. In Insight Out, she welcomes you into her classroom and crisply defines the core concepts of imagination, creativity, innovation, and entrepreneurship, presenting an elegant and much-needed model she calls the "Invention Cycle." This new approach enables you to see obstacles as opportunities, inspire others to share your vision, and ultimately bring more ideas to fruition. Filled with surprising research, examples from her Stanford classroom, and stories from around the world—Silicon Valley to San Quentin State Prison, rural Pakistan to the North Pole—Insight Out offers essential and unexpected strategies that will help bring even the slightest flicker of an idea to life. Equally useful for students, educators, entrepreneurs, and would-be innovators in all fields, this is an essential road map for anyone who wants to get ideas out of their head and into the world.

With her skill in selling real estate, her expertise in marketing, and her drive to succeed, Kendra Todd has mapped out an exciting and lucrative future for herself one that included taking the right kind of risks, profiting from them, and sharing her knowledge with others. Todd understands that the one thing that keeps people from making the big, bold moves that can improve their lives is a fear of risk, even more than lack of capital. The willingness to try new and different things, and the ability to keep your head on straight while your heart is pounding, is something that Todd knows well. Without risk, she doesn't have a business. Todd will address how men and women view risk from opposite sides of the galaxy, how anyone can become an entrepreneur, how you can set yourself up for success and what the ten steps are for turning risk into opportunity. With quizzes to test what kind of risk taker you are, and examples of successful risks that paid off, Todd is poised to become the hot voice of investment to her generation.

When small- and medium-sized business owners first hear George Cloutier's rules, they often think he's a madman. His controversial rules for doing business rules that aren't taught at Harvard Business School include:The best family business has one member.Weekends are for working, not playing golf or coaching.Never pay your vendors on time.Wear your control freak badge with pride.Quit denial: if your business is failing during a recession, it's your fault. As the founder and CEO of American Management Services, Cloutier has emerged as "the leading advocate for small business" (Reuters), having spent over thirty years guiding business owners through the tough choices that line the road to profitability. He and his company have worked with more than six thousand companies, averting certain ruin for some and generating seemingly impossible growth and profitability for others.Cloutier graduated from Harvard College and Harvard Business School, but the lessons in this book aren't from there. Unlike his classmates, most of whom headed straight to Wall Street, Cloutier has been on the docks at 2 a.m. counting heads of lettuce for food distributors to make sure nothing would disappear without a waybill. He's spent long, overnight hours in truck stops, making sure sticky fingers stayed out of the tills. Cloutier and his colleagues at American Management Services become personal pitt bulls to the CEOs who hire them, doing whatever it takes to bring their clients' businesses back into long-term profitability.Profits Aren't Everything, They're the Only Thing is the long- overdue wake-up call for 23 million small- and midsize business owners across America. This book serves up the hard-boiled, unadulterated truth to aspiring and established entrepreneurs, without apologies. His no-nonsense advice may be hard to hear at times, but it works.

Confidence. We want it. We need it. But it can be maddeningly enigmatic and out of reach. The authors of the New York Times bestseller Womenomics deconstruct this essential, elusive, and misunderstood quality and offer a blueprint for bringing more of it into our lives.Is confidence hardwired into the DNA of a lucky few or can anyone learn itIs it best expressed by bravado, or is there another way to show confidenceWhich is more important: confidence or competenceWhy do so many women, even the most successful, struggle with feelings of self-doubtIs there a secret to channeling our inner confidenceIn The Confidence Code, journalists Katty Kay and Claire Shipman travel to the frontiers of neuroscience on a hunt for the confidence gene and reveal surprising new research on its roots in our brains. They visit the world's leading psychologists who explain how we can all chose to become more confident simply by taking action and courting risk, and how those actions change our physical wiring. They interview women leaders from the worlds of politics, sports, the military, and the arts to learn how they have tapped into this elemental resource. They examine how a lack of confidence impacts our leadership, success, and fulfillment.Ultimately, they argue, while confidence is partly influenced by genetics, it is not a fixed psychological state. That's the good news. You won't discover it by thinking positive thoughts or by telling yourself (or your children) that you are perfect as you are. You also won't find it by simply squaring your shoulders and faking it. But it does require a choice: less people pleasing and perfectionism and more action, risk taking, and fast failure.Inspiring, insightful, and persuasive, The Confidence Code shows that by acting on our best instincts and by daring to be authentic, women can feel the transformative power of a life on confidence.

The workplace around the world is changing growing increasingly multicultural, female, and younger. Experts often tell CEOs and managers what not to do, and corporate diversity programs can often appear to be like defensive measures against lawsuits and harassment charges. While technology has connected all of us as a global workforce, it has not equipped us with the capability to interact genuinely with people. In order to be successful in this new global business environment, we need to rethink the way we lead others.Flex offers a new approach a proactive strategy for managers to understand and leverage difference effectively in this new global economy.Flex shows managers how to understand the power gap the social distance between you and those in the workplace of different cultures, ages, and gender; stretch your management style and bridge the gap with more effective communication and feedback tools; and multiply the effect by teaching these skills to others and closing the power gap with clients, customers, and partners to create innovative solutions. Creating flex in a company's management style will affect all aspects of developing existing leaders, attracting future talent, and building relationships with customers in this competitive marketplace. Flex shows you how.

Why do some workplace cultures inspire energy and innovation, while others fuel anxiety, boredom, or cynicismUntil now, such legendary cultures have seemed like magic beyond our control. However, behind every culture is a surprisingly elegant science. Primed to Perform proves that the highest-performing cultures are built on a simple truth: why people work affects how well they work. Great organizations inspire the three most powerful motives for work play, purpose, and potential and eliminate the three most destructive emotional pressure, economic pressure, and inertia. They create total motivation (or ToMo, for short). Total motivation cultures create the highest-performing employees and the most adaptive organizations.Authors Neel Doshi and Lindsay McGregor show that extraordinary performance at companies like Southwest Airlines, Starbucks, Apple, and Whole Foods comes from cultures that inspire total motivation. They describe how investment professionals, salespeople, teachers, and CEOs perform better when driven by total motivation. And, most important, they share how you can build a culture that inspires total motivation in every moment of every day.Primed to Perform builds on over a century of academic thinking as well as the authors' original research into how ToMo drives performance at iconic companies. It introduces the authors' highly predictive new measurement tool, the total motivation factor, which allows leaders to measure the strength of their culture and understand how it changes over time. It gives leaders the tools to transform their own workplaces.High-performing cultures can't be left to chance; organizations must create systems that shape and maintain them. Whether you're a five-person team or a start-up, an elementary school or a university, a nonprofit or a mega-institution, Primed to Perform shows you how.

Every general manager today all the way up to the CEO is expected by his or her stakeholders to achieve new breakthroughs in performance and fast. Those who don't make visible progress toward that goal within the first year or two will likely find themselves looking for another job. It is precisely because of this growing breakthrough imperative that managers today, whether in corporations or nonprofits, need to get off to a fast start. They don't have time for mistakes or for going back and redoing what they should have done right in the first place. But, despite the intensity of these pressures, despite the high expectations and short time frames, a number of CEOs and general managers turn in truly exceptional results. How do they meet and exceed the breakthrough imperativeTo answer this question, consultants and former managers Mark Gottfredson and Steve Schaubert interviewed more than forty CEOs from both industry and the nonprofit sector, conducted an intensive study of what successful managers do right and what some do wrong and drew on their own combined fifty-plus years of experience at Bain & Company, where their insights have consistently been found in the pages of the Harvard Business Review. Together they came up with the four straightforward principles deceptively simple yet remarkably powerful that everyone must follow to succeed at achieving breakthrough results: 1. Costs and prices always decline2. Competitive position determines options3. Customers and profit pools don't stand still4. Simplicity gets results Although seemingly simplistic, mastering these four laws means mastering the basics of great management a foundation on which to build the rest of one's management strategy. Whether you're managing a small work group or a multinational corporation, a single division or an entire nonprofit, The Breakthrough Imperative presents these core laws of business to help you determine where you are, just how far you can go, and how to get there with stellar results.

What triggers fascination, and how do companies, people, and ideas put those triggers to useWhy are you captivated by some people but not by othersWhy do you recall some brands yet forget the restIn a distracted, overcrowded world, how do certain leaders, friends, and family members convince you to change your behaviorFascination: the most powerful way to influence decision making. It's more persuasive than marketing, advertising, or any other form of communication. And it all starts with seven universal triggers: lust, mystique, alarm, prestige, power, vice, and trust. Fascination plays a role in every type of decision making, from the brands you choose to the songs you remember, from the person you marry to the employees you hire. And by activating the right triggers, you can make anything become fascinating.To explore and explain fascination's irresistible influence, Sally Hogshead looks beyond marketing, delving into behavioral and social studies, historical precedents, neurobiology and evolutionary anthropology, as well as conducting in-depth interviews and a national study of a thousand consumers, to emerge with deeply rooted patterns for why, and how, we become captivated.Hogshead reveals why the Salem witch trials began with the same fixations as those in Sex and the City. How Olympic athletes are subject to obsessions similar to those of fetishists. How a 1636 frenzy over Dutch tulip bulbs perfectly mirrors the 2006 real estate bubble. And why a billion-dollar "Just Say No" program actually increased drug use among teens, by activating the same "forbidden fruit" syndrome as a Victoria's Secret catalog.Whether you realize it or not, you're already using the seven triggers. The question is, are you using the right triggers, in the right way, to get your desired resultThis book will show you.

Time is not money.Time is more important than money. Today's customers are overwhelmed, overworked, and overstressed, and it seems that everyone from CEOs to soccer moms is short on time and inundated with information. As a result, despite the availability of 24/7 commerce and countless ways of engaging people in our multiscreen (mobile, TV, and PC) economy, companies find it more difficult than ever to claim even a fraction of the 1,440 minutes in their customers' precious 24 hours. In The 24-Hour Customer, Adrian C. Ott, CEO of a successful Silicon Valley consultancy, argues that companies need to strategically harness the ebbs and flows of customer time and attention in order to win in today's competitive landscape. She explores the economics of time and attention, including why customers will devote hours addicted to social networks, yet will say "I have no time!" to other offerings. Based on extensive research and real-world results with market-leading companies, this book provides tools, such as Time-Value Tradeoffs and Time-ographics, that pinpoint opportunities to increase revenue and gain market traction. Filled with fascinating case studies from companies like Johnson Johnson, Amazon, and iPhone app start-ups, The 24-Hour Customer offers fresh ideas for capitalizing on the elements of time, attention, and value to innovate never-before-considered products, services, and programs for today's ber-connected, multitasking customer. Readers will discover how: Zipcar utilized time-slicing to redefine automobile ownership and grew by 70 percent, while the auto industry struggled in 2009; Netflix, Hulu, and others time-shifted to movies on-demand, ultimately restructuring the entertainment industry; P&G leveraged inattention by enabling habit-formation for some of its most successful brands. This book shares the latest strategic weapons for achieving market leadership and will change the way executives think about their businesses and their customers.

Seeing is believing . . . The Smash Hit SuperFreakonomics is now Bigger and Better SuperFreakonomics was an instant New York Times bestseller that caused a media uproar, continuing the amazing success begun with the groundbreaking, worldwide sensation Freakonomics.With the Illustrated Edition, Steven D. Levitt and Stephen J. Dubner bring alive their smart thinking and great storytelling with an explosion of visual evidence, including: A by-the-numbers tally of a high-priced call girl's career, and a tracking sheet from an intensive survey of Chicago street prostitutes. A visual quiz that lets you pit your memory against the memory of a chess grand master. Images of the hurricane-killing machine and other geo-engineering inventions described in SuperFreakonomics. A look into whether doctors are better at saving lives in TV dramas or in real hospitals. Whether probing the intricacies of sex change oper-ations, the effectiveness of child car seats, or what really motivates people to do good, the Illustrated Edition of SuperFreakonomics employs photographs, drawings, and graphs that will lead readers to see the world in a bold, fresh way.

IBM is one of the greatest sales and marketing organizations ever assembled. Established over seventy years ago, it now employs 400,000 people and generates $50 billion a year in revenue. Yet it operates more like a cottage industry than a huge multinational organization.How does IBM do itThat's what even the most successful companies want to know. Now Buck Rodgers, the man who has personified "the IBM way," describes for the first time the reasons behind its extraordinary achievements. He has not written a company history, or an expose, or a book on management theory. He has written a book about everything that makes IBM IBM, as only an insider could.

The New One Minute Manager offers a way for you to succeed sooner with less stress in changing times both at work and at home.Based on the original book The One Minute Manager that helped millions of people around the world in organizations large and small, this new version of the classic story deals with a new world.The book will help you find meaning in your work and inspire you to discover new ways to help your organization adapt and prosper.The New One Minute Manager is a concise, easily read story that reveals three very practical secrets: One Minute Goals, One Minute Praisings, and One Minute Re-Directs, the new third secret.The story is based on studies in the behavioral sciences and medicine that support why these apparently simple methods work so well with so many people. And by the book's end, you will know how to apply what you discover to your own situation and enjoy the benefits.

The quintessential self-made man, master of brand identity, New York Times bestselling author, and award-winning executive KISS's Gene Simmons shares his manifesto for business success.KISS did not become one of the most successful rock bands in history by accident. Long before he first took the stage, Gene Simmons had a clear-cut operating plan for the business. Over the past forty years, KISS has sold more than 100 million CDs and DVDs worldwide and manages 5,000 licensed merchandise items from comic books and coffins to action figures and video games. The band received a star on the Hollywood Walk of Fame, and in 2014 was inducted into the Rock and Roll Hall of Fame. In addition to KISS, Simmons's lucrative ventures include two hit reality shows, a professional sports team, a restaurant chain, and a record label. A recipient of the Forbes Lifetime Achievement Award, this brilliant executive runs all of his businesses on his own no personal assistant, few handlers, and as little red tape as possible.In Me, Inc., Simmons gives aspiring entrepreneurs the critical tools they need to succeed. He discusses how to build a solid business strategy, harness the countless tools available in the digital age, educate yourself, and be the architect for the business entity that is you. Inspired by The Art of War, Me, Inc. is organized around thirteen specific, easy-to-understand principles for success "The Art of More" drawn from Simmons's own triumphs and failures. From finding the confidence necessary to get started, to surrounding yourself with the right people, to knowing when to pull the plug and when to double-down, these principles can help you attain the freedom and wealth of your dreams.