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.
A NEW YORK TIMES, WALL STREET JOURNAL, AND USA TODAY BESTSELLER An intimate, powerful, and galvanizing memoir by Pulitzer Prize winner, human rights advocate, and former US Ambassador to the UN Samantha Power. Named one of the best books of the year: The New York Times • National Public Radio • Time • The Economist • The Washington Post • Vanity Fair • Christian Science Monitor • Publishers Weekly • Audible “Her highly personal and reflective memoir . . . is a must-read for anyone who cares about our role in a changing world.”—President Barack Obama Includes an updated afterword Tracing her distinctly American journey from immigrant to war correspondent to presidential Cabinet official, Samantha Power’s acclaimed memoir is a unique blend of suspenseful storytelling, vivid character portraits, and shrewd political insight. After her critiques of US foreign policy caught the eye of Senator Barack Obama, he invited her to work with him on Capitol Hill and then on his presidential campaign. When Obama won the presidency, Power went from being an activist outsider to serving as his human rights adviser and, in 2013, becoming the youngest-ever US Ambassador to the United Nations. Power transports us from her childhood in Dublin to the streets of war-torn Bosnia to the White House Situation Room and the world of high-stakes diplomacy, offering a compelling and deeply honest look at navigating the halls of power while trying to put one’s ideals into practice. Along the way, she lays bare the searing battles and defining moments of her life, shows how she juggled the demands of a 24/7 national security job with raising two young children, and makes the case for how we each can advance the cause of human dignity. This is an unforgettable account of the power of idealism—and of one person’s fierce determination to make a difference. “This is a wonderful book. […] The interweaving of Power’s personal story, family story, diplomatic history and moral arguments is executed seamlessly and with unblinking honesty.”—THOMAS L. FRIEDMAN, The New York Times Book Review “Truly engrossing…A pleasure to read.”—RACHEL MADDOW “A beautiful memoir about the times we’re living in and the questions we must ask ourselves…I honestly couldn’t put it down.” —CHERYL STRAYED, author of Wild “Power’s compelling memoir provides critically important insights we should all understand as we face some of the most vexing issues of our time.” —BRYAN STEVENSON, author of Just Mercy
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.
Start waking up to your full potential every single day with the updated and expanded edition of the groundbreaking book that has sold more than two million copies. “So much more than a book. It is a proven methodology that will help you fulfil your potential and create the life you’ve always wanted.” —Mel Robbins, New York Times bestselling author of The High 5 Habit and The 5 Second Rule Getting everything you want out of life isn’t about doing more. It’s about becoming more. Hal Elrod and The Miracle Morning have helped millions of people become the person they need to be to create the life they’ve always wanted. Now, it’s your turn. Hal’s revolutionary SAVERS method is a simple, effective step-by-step process to transform your life in as little as six minutes per day: - Silence: Reduce stress and improve mental clarity by beginning each day with peaceful, purposeful quiet - Affirmations: Reprogram your mind to overcome any fears or beliefs that are limiting your potential or causing you to suffer - Visualization: Experience the power of mentally rehearsing yourself showing up at your best each day - Exercise: Boost your mental and physical energy in as little as sixty seconds - Reading: Acquire knowledge and expand your abilities by learning from experts - Scribing: Keep a journal to deepen gratitude, gain insights, track progress, and increase your productivity by getting clear on your top priorities This updated and expanded edition has more than forty pages of new content, including: - The Miracle Evening: Optimize your bedtime and sleep to wake up every day feeling refreshed and energized for your Miracle Morning - The Miracle Life: Begin your path to inner freedom so you can truly be happy and learn to love the life you have while you create the life you want
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
Since the 1960s, the class action lawsuit has been a powerful tool for holding businesses accountable. Yet years of attacks by corporate America and unfavorable rulings by the Supreme Court have left its future uncertain. In this book, Brian T. Fitzpatrick makes the case for the importance of class action litigation from a surprising political perspective: an unabashedly conservative point of view. Conservatives have opposed class actions in recent years, but Fitzpatrick argues that they should see such litigation not as a danger to the economy, but as a form of private enforcement of the law. He starts from the premise that all of us, conservatives and libertarians included, believe that markets need at least some rules to thrive, from laws that enforce contracts to laws that prevent companies from committing fraud. He also reminds us that conservatives consider the private sector to be superior to the government in most areas. And the relatively little-discussed intersection of those two beliefs is where the benefits of class action lawsuits become clear: when corporations commit misdeeds, class action lawsuits enlist the private sector to intervene, resulting in a smaller role for the government, lower taxes, and, ultimately, more effective solutions. Offering a novel argument that will surprise partisans on all sides, The Conservative Case for Class Actions is sure to breathe new life into this long-running debate.
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.
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.
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.
