America has become the land of the free and the home of the broke. Household debt is at an all-time high, and every day people—just like you—are feeling more cynical and hopeless about their financial futures. It’s time to stop believing countless lies from a system designed to take your money—lies like student loans are the golden ticket to a good-paying job, car payments are just part of life, and that you need to have a credit card. Ramsey Personality and personal finance expert George Kamel shares his story of going from a negative net worth to a millionaire in under 10 years by following Dave Ramsey’s Baby Steps. George’s delivery, highlighted by his snarky sense of humor, will keep you laughing and engaged from cover to cover (no put-you-to-sleep financial advice here). Through a millennial point of view, George exposes the toxic money system designed to keep you average (and broke) and offers solutions to help you break free from: Credit cards and credit scores Student and car loans Mortgage mistakes Investing traps Marketing and consumerism No matter where you’re starting from, you’ll learn that you have the power to buck the toxic money system and build wealth if you follow the same principles George used to become a millionaire.
If he had been with me everything would have been different... I wasn't with Finn on that August night. But I should've been. It was raining, of course. And he and Sylvie were arguing as he drove down the slick road. No one ever says what they were arguing about. Other people think it's not important. They do not know there is another story. The story that lurks between the facts. What they do not know—the cause of the argument—is crucial. So let me tell you...
This trustworthy guide has step-by-step advice on used cars from selection to shopping strategies, vehicle inspection, negotiation techniques, and closing the deal. Also includes details about all checks performances, and how to find a good mechanic.
A true story of a young successful stockbroker going broke, and lifting his thumb in search for his true self, by traveling the world. After almost five years of traveling on five different continents, Tomislav laid down in a hammock in one village on the coast of Ecuador, and started writing a book. He was determined to put down everything he knows about traveling, and with that, answer the questions that many people ask him for years: How is it possible to travel with almost no money? Is his way of traveling safe enough? What are the worst, and the best moments on the road? How can you earn money while traveling? Where to look for sponsors? How did his parents and friends react? Why is he traveling in the first place? Since it was impossible to give a simple and short answers to those questions, he started answering them in the only way possible - by telling his life story. Tomislav wrote about his student days in Croatia, about the days when he had a well paid job as a stockbroker, about going bankrupt, about turning his life around, about first ventures on the road with a backpack on his back, and about finding a way that he will follow in the years to come - by traveling. Tomislav wrote about hitchhiking in numerous countries, sleeping in homes of strangers, camping on the side of the road, eating in supermarkets and drinking beer in parks, volunteering, many anecdotes that he encountered on the road, natural beauties that left him breathless, and about the beautiful people that he met on the way.
THE #1 NEW YORK TIMES BESTSELLER A Times, Sunday Times and Telegraph Book of the Year ______________________________________________ 'A triumph ... a masterclass in the bottling of its subject's seductive essence. His presence in this book is so strong that it's hard to believe he has really left the building' MOJO 'Handsomely presented, visually sumptuous' THE TIMES ______________________________________________ From Prince himself comes the brilliant coming-of-age-and-into-superstardom story of one of the greatest artists of all time-featuring never-before-seen photos, original scrapbooks and lyric sheets, and the exquisite memoir he began writing before his tragic death. Prince was a musical genius, one of the most talented, beloved, accomplished, popular, and acclaimed musicians in pop history. But he wasn't only a musician-he was also a startlingly original visionary with an imagination deep enough to whip up whole worlds, from the sexy, gritty funk paradise of his early records to the mythical landscape of Purple Rain to the psychedelia of Paisley Park. But his greatest creative act was turning Prince Rogers Nelson, born in Minnesota, into Prince, the greatest pop star of his era. The Beautiful Ones is the story of how Prince became Prince-a first-person account of a kid absorbing the world around him and then creating a persona, an artistic vision, and a life, before the hits and fame that would come to define him. The book is told in four parts. The first is composed of the memoir he was writing before his tragic death, pages that brings us into Prince's childhood world through his own lyrical prose. The second part takes us into Prince's early years as a musician, before his first album released, through a scrapbook of Prince's writing and photos. The third section shows us Prince's evolution through candid images that take us up to the cusp of his greatest achievement, which we see in the book's fourth section: his original handwritten treatment for Purple Rain-the final stage in Prince's self-creation, as he retells the autobiography we've seen in the first three parts as a heroic journey. The book is framed by editor Dan Piepenbring's riveting and moving introduction about his short but profound collaboration with Prince in his final days-a time when Prince was thinking deeply about how to reveal more of himself and his ideas to the world, while retaining the mystery and mystique he'd so carefully cultivated-and annotations that provide context to each of the book's images. This work is not just a tribute to Prince, but an original and energizing literary work, full of Prince's ideas and vision, his voice and image, his undying gift to the world. ______________________________________________ 'Prince's voice comes through loud and clear; his personality, joie de vivre and single-mindedness jumping off the page throughout.' CLASSIC POP MAGAZINE 'The Beautiful Ones is for everyone. It's not a read, but an experience, an immersion inside the mind of a musical genius. You are steeped in Prince's images, his words, his essence... The book can be a starting point for a Prince fascination, or a continuation of long-standing admiration. Either way, it will deepen the connection of any reader with the musical icon." USA TODAY 'An affirmation of Prince's Blackness and humanity... Prince writes about his childhood with clarity and poetic flair, effortlessly combining humorous anecdotes with deep self-reflection and musical analysis... Prince is one of us - he just worked to manifest dreams that took him from the North Side of Minneapolis to the Super Bowl.' HUFFPOST 'A compelling curiosity that finds its author orbiting around a few touchingly intimate encounters with his sphinx-like subject ... with passages, lyric sheets and photographs from the Purple One himself' TELEGRAPH, Books of the Year 'Both a pleasure and a surprise ... Prince took the project very seriously, and it shows in the work he delivered. ... It shines an intimate and revealing light on the least-known period of his life' VARIETY 'The Beautiful Ones is a book in pieces, fragments of the ground-breaking autobiography Prince had planned. Pieced together after his death in 2016, it collects his handwritten childhood memoires, superb personal photographs and his chosen co-writer Dan Piepenbring's vivid account of their brief collaboration. Yet remarkably despite the central absence, it still catches something of Prince between the gaps - a trace of perfume, a glance to camera, a first kiss' SUNDAY TIMES, Book of the Year 'This is a beautiful book and a must-have for Prince completists' DAILY EXPRESS 'A ghostly memoir of a pop legend' THE i
True or false? In selling high-value products or services: 'closing' increases your chance of success; it is essential to describe the benefits of your product or service to the customer; objection handling is an important skill; open questions are more effective than closed questions. All false, says this provocative book. Neil Rackham and his team studied more than 35,000 sales calls made by 10,000 sales people in 23 countries over 12 years. Their findings revealed that many of the methods developed for selling low-value goods just don‘t work for major sales. Rackham went on to introduce his SPIN-Selling method. SPIN describes the whole selling process: Situation questions Problem questions Implication questions Need-payoff questions SPIN-Selling provides you with a set of simple and practical techniques which have been tried in many of today‘s leading companies with dramatic improvements to their sales performance.
How the hidden trade in our sensitive medical information became a multibillion-dollar business, but has done little to improve our health-care outcomes Hidden to consumers, patient medical data has become a multibillion-dollar worldwide trade industry between our health-care providers, drug companies, and a complex web of middlemen. This great medical-data bazaar sells copies of the prescription you recently filled, your hospital records, insurance claims, blood-test results, and more, stripped of your name but possibly with identifiers such as year of birth, gender, and doctor. As computing grows ever more sophisticated, patient dossiers become increasingly vulnerable to reidentification and the possibility of being targeted by identity thieves or hackers. Paradoxically, comprehensive electronic files for patient treatment—the reason medical data exists in the first place—remain an elusive goal. Even today, patients or their doctors rarely have easy access to comprehensive records that could improve care. In the evolution of medical data, the instinct for profit has outstripped patient needs. This book tells the human, behind-the-scenes story of how such a system evolved internationally. It begins with New York advertising man Ludwig Wolfgang Frohlich, who founded IMS Health, the world’s dominant health-data miner, in the 1950s. IMS Health now gathers patient medical data from more than 45 billion transactions annually from 780,000 data feeds in more than 100 countries. Our Bodies, Our Data uncovers some of Frohlich’s hidden past and follows the story of what happened in the following decades. This is both a story about medicine and medical practice, and about big business and maximizing profits, and the places these meet, places most patients would like to believe are off-limits. Our Bodies, Our Data seeks to spark debate on how we can best balance the promise big data offers to advance medicine and improve lives while preserving the rights and interests of every patient. We, the public, deserve a say in this discussion. After all, it’s our data.
Traces the tradition of consumer protest and examines the early history of Consumers Union, which started as a working-class-oriented movement and soon evolved into the guiding light of an educated consumer elite. Silber argues that in choosing scientific testing as a means of consumer reform, the Consumers Union changed itself and the consumer movement more than it did American society. He uses three case studies -- reform of automative design, discouragement of smoking, and prevention of the contamination of food by radioactive fallout -- to demonstrate the use of scientific testing in social reform.
This indispensable resource explains principles of financial planning and financial psychology to help teens and young adults make good financial decisions now and achieve their financial goals. Financial literacy for savvy teens and young adults means meeting them where they are, which is in high school and college. It also means understanding how they differ from their Gen X and elder millennial parents. For example, they tend to be debt-averse, thrifty, and responsible but may err on the side of taking too little risk, such as not investing early enough. This book uses economics and psychology to help Generation Z students make better decisions throughout their lives and especially in their formative years. Financial Literacy for Generation Z addresses decisions students have to make while still in school, after graduation, and later, with the greatest emphasis on the decisions closest at hand to them. It encompasses not just money talk—for example, how much to contribute to your 401(k)—but also decisions that are directly connected to money, such as choosing a major and a career, building a credit record, and managing your first real income.
