From America's most trusted financial advisor comes a comprehensive guide to a new and utterly sane financial choice. In Die Broke, you'll learn that life is a game where the loser gives his money to Uncle Sam at the end. There are four steps to the process: Quit Today No, don't tell your boss to shove it...at least not out loud. But in your head accept that from this day on you're a free agent whose number one workplace priority is your personal bottom line.Pay Cash You should be as conscious of spending as you are of saving. Credit should be a rarely used tool for those few times (buying homes and cars) when paying cash is impossible.Don't Retire Your work life should be a journey up and down hills, rather than a climb up a sheer cliff that ends with a jump into the abyss.Die Broke It sounds terrifying, the one intolerable outcome to your financial life. And yet, in truth, dying broke might be your best option for a life without fear: fear of failure and privation now, fear of impoverishment in the long run.

Which is more dangerous, a gun or a swimming poolWhat do schoolteachers and sumo wrestlers have in commonHow much do parents really matterThese may not sound like typical questions for an economist to ask. But Steven D. Levitt is not a typical economist. He studies the riddles of everyday life—from cheating and crime to parenting and sports—and reaches conclusions that turn conventional wisdom on its head. Freakonomics is a groundbreaking collaboration between Levitt and Stephen J. Dubner, an award-winning author and journalist. They set out to explore the inner workings of a crack gang, the truth about real estate agents, the secrets of the Ku Klux Klan, and much more. Through forceful storytelling and wry insight, they show that economics is, at root, the study of incentives—how people get what they want or need, especially when other people want or need the same thing.

Your one-stop guide to finding a job, navigating the corporate ladder, and leaving when the time is rightDid you know that: 60% of hiring managers will offer a higher salary if asked14% of workers have used happy hour to get ahead66% of businesses monitor Internet use77% of workers feel burnout on the jobFrom the experts at CareerBuilder.com, America's largest online job site, comes a complete handbook for career domination. Whether it's answering the questions the interviewers are really asking, making the most of your performance reviews, or quitting with great references and without burning bridges, Career Building explains it all. This book offers everything from job hunting basics to hiring manager secrets, office survival advice to career change suggestions, workplace statistics to sample resignation letters, and more. Whether you're looking for your first job or your fortieth, or you're just eager to move up the ranks at your current company, this is the one and only guide you need to create the career you've always wanted.

Do you have a hobby you wish you could indulge in all dayAn obsession that keeps you up at nightNow is the perfect time to take that passion and make a living doing what you love. In Crush It! Why NOW Is the Time to Cash In on Your Passion, Gary Vaynerchuk shows you how to use the power of the Internet to turn your real interests into real businesses. Gary spent years building his family business from a local wine shop into a national industry leader. Then one day he turned on a video camera, and by using the secrets revealed here, transformed his entire life and earning potential by building his personal brand. By the end of this book, readers will have learned how to harness the power of the Internet to make their entrepreneurial dreams come true. Step by step, Crush It! is the ultimate driver's manual for modern business.

Want freedom from management, mediocrity and moronsEver wonder what the best bosses know that you don'tDo you want to have great employees, people who don't need to be managed and who make everyone around them work harder and raise the department to a higher standardThe Gifted Boss is management guru Dale Dauten's classic yet revolutionary guidebook on teaching managers how to spot and court talent and how to give great employees what they want and need. This is a comprehensive system full of valuable insight and lessons aimed at creating the best work environment for the best people. Throughout The Gifted Boss, Dale Dauten defines his different breed of leader as one who is able to shape a business environment and culture that is a magnet for self-motivated employees. Dauten's starting point is a powerful fact about hiring great employees: the best ones are almost never in the job market. His system also includes a discussion of "ideal turnover" and how the great managers employ "the secret skill" of "de-hiring" to gracefully move mediocre employees up or out. Throughout his discussions, Dauten incorporates priceless knowledge gained from an exhaustive search for America's best bosses. The wisdom he acquired was startling, and it pertained to every type of organization: "Different isn't always better, but better is always different." The Gifted Boss has already earned itself a cult following. Now, based on conversations with hundreds of readers, Dauten has revised his work by adding a quick-start guide to help his audience get fast results and a discussion guide to help executives share the book with their teams. Though new technology continues to bring new changes to communication in the workplace, The Gifted Boss still remains the essential guide to maneuvering the tricky world of managing the modern employee. It belongs on every businessperson's desk.

Wall Street is a funny business. All you have is your reputation. Taint it and someone else will fill your shoes. Longevity comes from maintaining that reputation. Ask Jack Grubman, the All-Star telecom analyst from Salomon Smith Barney; uber-banker Frank Quattrone at CS First Boston; Morgan Stanley's Mary "Queen of the Net" Meeker; or Merrill Lynch's Henry Blodget.Well, they probably won't tell you anything. But have I got some great stories for you. Successful hedge fund manager Andy Kessler looks back on his years as an analyst on Wall Street and offers this cautionary tale of the intoxicating forces loose in the world of finance that overwhelmed sober analysis.

It was an inconceivable deception: over $65 billion stolen in the world's largest Ponzi scheme. Including new and revealing interviews with those who worked closest to himand his family, Betrayal is an in-depth, penetrating look at the man who perpetrated history's most notorious financial crime. To the people who knew him, Bernie Madoff was a kind and honorable person; a loving father and husband; generous to his employees and charitable even to strangers. On Wall Street, he was known as a wise elder statesman, wildly successful in his investments but never too risky with people's money. He was so revered and trusted that thousands placed their life savings with him, and he in turn provided them with early retirements and affluent lifestyles.But on December 11, 2008, Madoff confessed that he'd lied to them all. The monthly financial statements he'd sent customers for decades were all works of fiction. Their money was gone.Despite the crush of media attention on Madoff's scam, little is known about Madoff himself. What could lead a seemingly good man to ruin the lives of everyone who ever cared about himWhat caused Bernie Madoff to commit an unspeakable act of betrayal, bankrupting his family, his friends, his mentors, and thousands of investors who depended upon him for their livelihoodsBetrayal: The Life and Lies of Bernie Madoff is about the man who realized that he could have everything he wanted if he simply lied to the people who trusted him the most. Author Andrew Kirtzman tracked down more than a hundred people from Madoff's past, from the first girl he ever kissed to family members who played in his house as children; from his secretaries to his drivers; from traders at his company to his inner circle of friends. He pored through thousands of pages of court records; private e-mails; phone-conversation tran*s; and census, military, and immigration records. The result is a fascinating story about the rise of a deeply immoral man.Kirtzman describes Madoff's feelings of inferiority and humiliation as a child, and his obsession with making money to prove himself worthy as he grew older. He reveals Madoff's construction of a criminal enterprise at a young age, long before he's ever claimed it began. He paints a picture of a loving yet strange family that ran a multibillion-dollar corporation like a small family restaurant. He offers an inside look at life within the company and the characters who worked on the infamous seventeenth floor. He reveals the details of an underground flow of cash that no one has known about until now. And he chronicles the desperate moments leading up to Madoff's fall, from the perspective of the people who spent the last hours with him before his house of cards collapsed.

Technology is not the answer. It is also not the problem. What matters insteadAwareness, Engagement, and Wisdom.Wisdom 2.0 addresses the challenge of our age:to not only live connected to one another through technology,but to do so in ways that are beneficial, effective, and useful.

A completely updated and revised edition of a bestselling book that has helped tens of thousands of people learn how to network effectively, Success Runs in Our Race is more important than ever in this fluctuating economy. With scores of anecdotes taken from interviews with successful African Americans -- from Keith Clinkscales, founder and former CEO of Vanguarde Media, to Oprah Winfrey -- Fraser shows how to network for information, for influence, and for resources. Readers will learn, among other things, how to cultivate valuable listening skills, which conferences blacks are most likely to attend when looking to build their business network, and how to effectively circulate a rsume.More than a guide for personal achievement, this is an information-packed bible of networking that also seeks to inspire a social movement and a rebirth of the "Underground Railroad," in which successful African Americans share the lessons of self-determination and empowerment with those still struggling to scale the ladder of success.

The measure of the executive, Peter Drucker reminds us, is the ability to "get the right things done." This usually involves doing what other people have overlooked as well as avoiding what is unproductive. Intelligence, imagination, and knowledge may all be wasted in an executive job without the acquired habits of mind that mold them into results. Drucker identifies five practices essential to business effectiveness that can, and must, be learned: Management of time Choosing what to contribute to the practical organization Knowing where and how to mobilize strength for best effect Setting up the right priorities And Knitting all of them together with effective decision making Ranging widely through the annals of business and government, Peter Drucker demonstrates the distinctive skill of the executive and offers fresh insights into old and seemingly obvious business situations.

Disasters happen every day. Are your investments preparedThe investor who knows how to anticipate historically significant or earth-shattering events who is prepared to act when others are frozen with fear will always have a substantial advantage. By closely analyzing potential global threats and the opportunities they present, The Wall Street Journal Guide to Investing in the Apocalypse offers investors the key to finding a silver lining in almost any cataclysm. Even if the catastrophic does not occur, the strategies here can pay huge dividends even under more mundane circumstances.The Wall Street Journal Guide to Investing in the Apocalypse provides readers with valuable information for investment success: the ability to see opportunity where others see peril. Whether a global disaster is natural or man-made, environmental or financial, every fearsome scenario contains the seeds of profit for the investor who stays calm and thinks rather than panics and runs.

The co-author of the monumental bestseller Reengineering the Corporation continues the reengineering revolution with another national bestseller that has already sold more than 165,000 copies in hardcoverReengineering Management is a brilliant, practical and much needed book on the most powerful management idea of the decade. Reengineering changing the traditional and outdated organization, processes and culture of a company is corporate America's greatest challenge today.In Reengineering Management, Champy examines the far-reaching changes managers must make for themselves and their companies to succeed in an era of unprecedented competition. Through his extensive consulting and research work, he shows how reengineering succeeds only when managers reinvent their own jobs and managerial styles. Otherwise, the ultra-efficient and effective reengineered processes for acquiring and serving customers, filling orders, bringing new concepts to market and other key business activities eventually fall apart.Champy illustrates this new management agenda through first-hand experiences of managers of reengineered operations at Federal Express, Wisconsin Electric, CIGNA Health Care, Hewlett-Packard, AT&T Universal Card Services and other companies. Champy shows how they are mastering the managerial challenges of reengineering, and as a result are making their organizations exciting and competitive. As more and more organizations reengineer, the experiences of these managers will become an insiders' guide to managerial life in the company of the future.Reengineering Management picks up where Reengineering the Corporation left off by exploring the managerial implications of the reengineered workplace. As reengineering becomes critical to all organizations, Reengineering Management will be the road map for managerial success in the future. It is, indeed, the manifesto for the next managerial revolution.

Quit worrying about debt. . . .Forget penny-pinching. . . . Stop sacrificing. . . . Forget saving money. You don't get wealthy by putting your money away in a bank account, nor do you become poor just because you bought yourself an extra latte. You get rich by making money . . . and America's leading money-making expert Loral Langemeier can show you how.A timely book with a counterintuitive message, Put More Cash in Your Pocket helps you create your own "lemonade stand" by getting paid for the things you already do. By following Loral's simple and straightforward approach, you'll put more cash as much as $1,000 a month in your pocket in no time.

The housing market, like any other investment, has always had its ups and downs. But ever since it started its upswing at the beginning of this decade, the ride has become more thrilling and more dangerous. One day, home values are skyrocketing and cheap money is up for grabs; the next day, houses linger on the market and interest rates rise alarmingly high. Home buyers and sellers are beginning to recognize that however the market moves where they live, they must be prepared to make smart housing decisions.Written by veteran real estate reporter June Fletcher, House Poor teaches you everything you need to know to weather the ups and downs of the housing market, including: How to tell whether your hometown is likely to boom or bust When to take equity out of your house How to buy as a first-time home owner or as an investor during turbulent times How to protect your home investment When and how to sell your home Today's volatile housing market could make you house poor.This book will keep you house proud.

The untold story of the renegade burger chain that evokes a passionate following unlike any other In fast-food corporate America, In-N-Out Burger stands apart. Begun in a tiny shack in the shadow of World War II, this family-owned chain has stead fastly refused to franchise or be sold. It is a testament to old-fashioned values and reminiscent of a simpler time when people, loyalty, and a freshly made, juicy hamburger meant something. Over time, In-N-Out Burger has become nothing less than a cultural institution that can lay claim to an insanely loyal following. Perman uses her investigative skills to uncover the story of a real American success story. It is not only a tale of a unique and profitable business that exceeds all expectations, but of a family's struggle to maintain a sustainable pop empire against the industry it helped pioneer, internal tensions, and a bitter lawsuit that threatened to bring the company to the brink. This is a lesson in a counterintuitive approach to doing business that places quality, customers, and employees over the riches promised by rapid expansion. In-N-Out Burger is a keenly observed narrative that explores the evolution of a California fad that transformed into an enduring cult of popularity; it is also the story of the conflicted, secretive, and ultimately tragic Snyder family who cooked a billion burgers and hooked a zillion fans. As the story of In-N-Out Burger unfolds, so too does the cultural history of America as influenced and shaped by car culture and fast food.

William Ury, coauthor of the classic bestseller on negotiation Getting to Yes, has taught tens of thousands of people from all walks of life managers, salespeople, students, parents, lawyers, and diplomats how to become better negotiators. Over the years, Ury has discovered that the greatest obstacle to successful agreements and satisfying relationships is not the other side, as difficult as they can be. The biggest obstacle is actually ourselves our natural tendency to react in ways that do not serve our true interests.But this obstacle can also become our biggest opportunity, Ury argues. If we learn to understand and influence ourselves first, we lay the groundwork for understanding and influencing others. In this indispensable prequel to Getting to Yes, Ury draws deeply on his personal and professional experience negotiating conflicts around the world to present a practical method to help you get to yes with yourself first, dra-matically improving your ability to get to yes with others. Extraordinarily useful and elegantly simple, Getting to Yes with Yourself is an essential guide to achieving the inner satisfaction that will, in turn, make your life better, your relationships healthier, your family happier, your work more productive, and the world around you more peaceful.

Leading pricing expert Rafi Mohammed shows businesses how to reap a financial windfall and foster growth using the underutilized and often overlooked strategy of setting prices. The 1% Windfall reveals how modest incremental changes to an everyday business practice pricing can yield significant rewards. Illustrating the power of pricing, a study of the Global 1200 found that if companies raised prices by just 1%, their average operating profits would increase by 11%. Using a 1% increase in price, some companies would see even more growth in percentage of profit: Sears, 155%; McKesson, 100%; Tyson, 81%; Land O'Lakes, 58%; and Whirlpool, 35%.The good news is that better pricing is more than simply raising prices. Instead, the key is to offer customers a variety of pricing options. This strategy is win-win: profits to companies and choices for consumers. But how do executives and managers set the right priceUnderpinned by sound empirical research and real-life anecdotes, The 1% Windfall addresses this fundamental question. This book offers guidelines that any company whether a multinational conglomerate, a small business, or even a nonprofit can follow to create a comprehensive pricing strategy for any product or service. In addition, these versatile techniques and tools provide solutions to avert a slump in a recession, offset the impact of inflation, or battle a new competitor. The result is a mind-opening, clear blueprint for com-panies to price for profit and growth.

In this candid memoir, A. Alfred Taubman explains how a dyslexic Jewish kid from Detroit grew up to be a billionaire retailing pioneer, an intimate of European aristocrats and Palm Beach socialites, a respected philanthropist and, at age 78, a federal prisoner. With a unique blend of humor and genius, Taubman shows how selling fine art and antiques really isn't that different from marketing root beer or football, and offers penetrating insights into that quintessential palace of commerce, the luxury shopping mall. Alfred Taubman may not have invented the modern shopping center but, in the words of The New Yorker, "he perfected it."Taubman's life has been a storybook success, with its share of unique challenges. A pioneer builder and innovative real estate developer, he was also a brilliant land speculator, operator of a quick-serve restaurant chain, and owner of a major department store company. But what seemed like the pinnacle of his career, buying and reinventing the venerable art auction house Sotheby's, would lead to his conviction in an international price fixing scandal.Despite the twists and turns, Taubman's life and business philosophy can be summed up in one evocative phrase: Threshold Resistance. Understanding and defeating that force breaking down the barriers between art and commerce, between shoppers and merchandise, between high culture and popular taste has been his life's work.

The Simplicity Cycle is an engaging and accessible field guide that equips readers with practical tools to produce elegant, effective designs. It takes a deep but lighthearted look at the way complexity enhances or diminishes the things we make and use, from PowerPoint presentations and pizzas to spacecraft and software, and shows readers why simplicity is the key to innovation and good design whether you're creating new products, services, or consumer experiences.

Why is medical care in the United States so expensiveFor decades, Americans have taken it as a matter of faith that we spend more because we have the best health care system in the world. But as costs levitate, that argument becomes more difficult to make. Today, we spend twice as much as Japan on health care—yet few would argue that our health care system is twice as good. Instead, startling new evidence suggests that one out of every three of our health care dollars is squandered on unnecessary or redundant tests; unproven, sometimes unwanted procedures; and overpriced drugs and devices that, too often, are no better than the less expensive products they have replaced. How did this happenIn Money-Driven Medicine, Maggie Mahar takes the reader behind the scenes of a $2 trillion industry to witness how billions of dollars are wasted in a Hobbesian marketplace that pits the industry's players against each other. In remarkably candid interviews, doctors, hospital administrators, patients, health care economists, corporate executives, and Wall Street analysts describe a war of "all against all" that can turn physicians, hospitals, insurers, drugmakers, and device makers into blood rivals. Rather than collaborating, doctors and hospitals compete. Rather than sharing knowledge, drugmakers and device makers divide value. Rather than thinking about long-term collective goals, the imperatives of an impatient marketplace force health care providers to focus on short-term fiscal imperatives. And so investments in untested bleeding-edge medical technologies crowd out investments in information technology that might, in the long run, not only reduce errors but contain costs. In theory, free market competition should tame health care inflation. In fact, Mahar demonstrates, when it comes to medicine, the traditional laws of supply and demand do not apply. Normally, when supply expands, prices fall. But in the health care industry, as the number and variety of drugs, devices, and treatments multiplies, demand rises to absorb the excess, and prices climb. Meanwhile, the perverse incentives of a fee-for-service system reward health care providers for doing more, not less. In this superbly written book, Mahar shows why doctors must take responsibility for the future of our health care industry. Today, she observes, "physicians have been stripped of their standing as professionals: Insurers address them as vendors ('Dear Health Care Provider'), drugmakers and device makers see them as customers (someone you might take to lunch or a strip club), while . . . consumers (aka patients) are encouraged to see their doctors as overpaid retailers. . . . Before patients can reclaim their rightful place as the center—and indeed as the raison d'être—of our health care system," Mahar suggests, "we must once again empower doctors . . . to practice patient-centered medicine—based not on corporate imperatives, doctors' druthers, or even patients' demands," but on the best scientific research available.

The workplace guide to putting "I wish I'd said" moments in the past Ever wish that you could have a "do over" after a conversation at workDo you often find yourself regretting what you've said to a coworker or kicking yourself for not saying something better, stronger, or more preciseIf so, you're like most people, and in Comebacks at Work, management professor and consultant Kathleen Kelley Reardon, Ph.D., provides the tips and tools you need to know what to say and how to say it better next time.In this compelling, entertaining book, Reardon argues that we are responsible for 75 percent of the way we're treated at work, and our success or failure at the workplace depends largely on how we handle ourselves in conversation with our colleagues. To break free of the stale *s and expected actions that allow politically astute people to manipulate us, we must increase our conversational awareness and effectively employ what Reardon calls "comebacks." Comebacks at Work provides a game plan for doing so and explains: Why some comebacks work, while others fall flat; Why our mind goes blank when we are confronted, and how to overcome that response; How to determine which comebacks work, and when to use them. Every conversation is different, and while many situations are common, one set of comebacks isn't enough. Offering a personalized repertoire of comebacks and a plan for using them strategically as well as the skills you will need to package them for maximum effect, Comebacks at Work will prepare you for any difficult conversation that comes your way.