What’s the Deal with Identity Theft?
In 2015, identity theft was the number one consumer complaint at the Federal Trade Commission (FTC). Breaches at healthcare companies Anthem and Premera alone exposed 91 million consumer records to the bad guys. In 2014, more than one billion records containing personally identifiable records were leaked.
Today, identity theft is the fastest growing crime in the world. Everything from your credit card information to your medical history is at risk.
This is a frightening book.
Robert Ryerson talks about the black market value of stolen data like medical records and the reality that our innocent children can be victims of this crime. This book makes it clear that identity theft is a crime that impacts the victim in many ways. Once hit by identity theft, victims have little recourse, as identifying the perpetrator is sometimes impossible. They must work, many times on their own, to correct fallout from the theft, and to try to restore their reputation, personal records and credit.
But this book is also a hopeful book.
It offers solid, cost-efficient advice to help you avoid identity theft as much as possible, and recover from it as quickly as possible when it happens.
The author, Robert Ryerson is a certified identity theft risk management specialist who works with individuals and families every day on this issue. His day is split between warning them about the dangers of identity theft and showing them how best to correct the situation, quickly.
It’s the responsibility of all Americans to educate themselves about this crime. Currently, one in four Americans are impacted by identity theft. As technology improves and the bad guys continue to get smarter, that number will grow.
Read this book. Pass it on.
This book will help you to protect yourself from becoming a victim of identity theft. And if you do become a victim, it will teach you how to address and correct the situation, and how to restore your identity as quickly as possible.
Hospital Warrior: How to Get the Best Care for Your Loved One
When someone you love is hospitalized, it can be scary–even terrifying–for the patient and for family and friends. A hospital may seem like a foreign land. Sounds, smells, and the culture are unfamiliar; even the medical terminology sounds like a different language.
Understanding the hospital environment and knowing how to navigate its complicated pathways can make you a strong champion for your loved one. You are as critical to your loved one’s recovery as the doctors and nurses. Your role is different, but vital. In some cases, you can make the difference between life and death.
Hospital Warrior de-mystifies the process and provides the tools, understanding and insight you need to get the best care for your loved one. Based on Bonnie Friedman’s own experiences fighting for her husband’s healthcare needs for more than 24 years and through 14 separate hospitalizations, Hospital Warrior lays out in direct, simple terms hard-learned and time-tested tactics to help ensure a loved one’s medical needs are met. Hospital Warrior also includes checklists and interviews with doctors and other healthcare professionals who provide essential tips and advice for the reader.
If you have a loved one in the hospital, don’t leave home without this book.
Praise for Hospital Warrior
“Hospital Warrior isn’t just about advocating; it’s about saving lives. Bonnie Friedman delves deep into the hospital setting, and provides valuable insights, wisdom and tips to help readers get the best possible medical care for the ones they love. She knows what she’s talking about and it shows. Read her book before someone you know has to go to the hospital.”
— Heidi Godman, health journalist, host of Health Check with Heidi Godman on WSRQ-FM, Sarasota, FL.
“Hospital Warrior is more than a how-to book on how to advocate for a loved one. It is like having a smart, savvy friend with you every step of the way, helping you get the best hospital care for someone you love. Bonnie Friedman has learned the ropes, and she’ll help you learn them too.” – Mindy Utay, LCSW, JD, couples and family therapist, psychoanalyst, writer, lecturer, official blogger for the Huffington Post
“Ms. Friedman has assembled a well-researched guide to help family and friends navigate the complex environment of modern hospitals. Packed with helpful information, Hospital Warrior was invaluable to me during my husband’s three-week stay in intensive care following heart surgery that led to a stroke. The book helped me decipher medical terms, understand treatments and identify appropriate questions to ask amidst the emotional turmoil I faced when my husband was seriously ill. The extensive reference section was also helpful as my husband passed through acute rehab to sub-acute care during recovery.” – Susan Fleming, Annandale, VA
What You Don’t Know About Retirement Income Can Hurt You!
In the past, retirement planning was focused on reaching “the number” or what the value of our “nest egg” needed to be. For years, clients and advisers focused solely on their “account value” to gauge whether or not they’re were going to ever retire. We were told that this “number” was different for every person. Well, the reality is that today, that “number” should no longer the sole focus for investors hoping and praying to retire. Rather the focus should be on “how much” will that number provide in income! Recreating a paycheck in retirement or funding the day to day needs for retirees has become more important that the journey to a specific “number.” And this has everything to do with the realities that taxes, healthcare costs, low interest rates, volatile markets and tending to the needs of older parents and your own children have created havoc for any plans that we had to reach the retirement of our dreams.
These realities bring into question many of the foundations that we created our retirement plans on – such things as 401(k)s, IRAs and Medicare. These plans were made before we knew about the benefits of Roth IRAs or the realities of means testing raising Medicare costs are demanding that retirement planning be focused on retirement income, not just the value of your “nest egg”! This trend towards retirement income, or what is also known as “distribution” is the reason that we’ve gathered these authors together to provide you with a book that outlines these new realities.
This book was written by financial advisers, professionals and experts who have recognized that the rules of retirement have changed and they’re advising their clients accordingly. They have their ear to the current realities and demands of the financial marketplace, and are implementing strategies that are focused on helping their clients to navigate these new realities. The authors of this book are not advisers and experts who are remaining in their comfort zone and advising clients on the same tired old investment approaches. They are professionals who understand the current realities of the industry and willing to venture out of their own “comfort zone” to find investment options that are most appropriate for their clients.
With an understanding that every client is different and unique, these professionals recognize that they need to interpret these new realities into customized solutions for each of their clients. As you read the chapters, you’ll hear the passion and focus that each of these finan- cial professionals have for the wellbeing of their clients.
The key thing to remember as you read this book, is that if your financial adviser is not discussing these matters with you, you may not have the right adviser. And if your adviser is discussing these items with you, then it’s important to work with them and integrate this type of thinking into your financial strategies.
This book is required reading for anyone nearing retirement, already retired or wondering if they’ll ever retire. Retirement can be achievable for everyone. You just have to have the right information, the right approach and the right advice. Allow these authors to help you to understand the new rules of retirement so that you can achieve the retirement of your dreams. That should be the focus of every investor and every financial adviser working today!
What’s the Deal with College Admissions
Even the Smartest College Applicants Need a Strategy!
The realities are that:
• Top colleges now accept less than 30% of their applicants.
• Ivy League schools typically admit less than 16%—some, including Harvard, Yale and Columbia, less than 7%.
• Thousands of students, even those with perfect grades and test scores, are rejected by their first-choice colleges.
Despite these odds, there’s hope. And, if you think you have to perform impossible contortions to get into the school of your choice, you’re wrong. You can be the real you and still get into a great college. But you need the right college admissions strategy.
Whether you’re aiming for a state university, an Ivy League school or a smaller private college, Mona Molarsky shows how to find the right fit and how to develop an effective strategy to present yourself. She also explains:
• How starting early can boost your chances
• Why being valedictorian won’t guarantee success
• Why what you do outside school matters
• How applying for Early Admission can give you an advantage
• When an Ivy League school may actually be your most affordable choice
Every high school student and their parents need to be prepared for college admissions, and every one of them should have this book to have the best chance for admission to the school of your choice.
What’s the Deal with Caregiving?
The CDC reports that there are over 34 million unpaid caregivers who provide care to someone age 18 and older who is ill or has a disability and that an estimated 21% of households in the United States are impacted by caregiving responsibilities. So with so many people struggling with caregiving responsibilities, why do caregivers feel alone and on their own?
Chris MacLellan, who has experienced the role of a caregiver, not once, but twice has written a long needed guidebook for caregivers that provides guidance, tips, resources, compassion and advice that is all based on his own experience and desire to help others who struggle with the role of being a caregiver.
This book discusses Chris’ own recent experience which was widely documented through a Pulitzer Price nominated story from Florida about his role as a caregiver for his dying partner. What Chris learned is now provided in this book to help the millions of caregivers of all ages, races, sexual orientations and family situations.
“In today’s world, there is the increasing likelihood that it is not “IF,” but more likely “WHEN,” that each of us will find ourselves facing the emotional and practical challenges associated with providing, perhaps for an extended period of time, care for a family member or significant other. Or, you may be in that position now and currently trying to cope with, and manage, such a situation; you already know first hand that it isn’t a walk in the park. You may be thinking that a caretaking travel guide would surely be a help. Chris MacLellan has walked those same kinds of journeys as he assumed caretaking responsibilities with two different partners while having to find his own way through it all. My many conversations with Chris over the years have revealed an informed and evolving wisdom born from those deeply personal and courageous experiences. His generous willingness to share what he has distilled from those travels provides both an insightful and empathic understanding of the issues, challenges, and tasks involved. His practical advice, his positive attitude, and his compassionate style will provide you with some helpful tools, and the reassurance that there is a way to successfully navigate this life path ahead. Chris’s clear guidance and informed perspective will serve you well, and perhaps almost as importantly, will be of benefit to your loved one too. How? Because, if you are a well and knowledgeable caregiver, you will be a more effective caregiver adding to your Caree’s quality of life. Read on and let Chris be your caretaking guide.“
—John A Shwed, PhD, LCSW
What’s the Deal with Workplace Culture Change?
Organizational development books are forever focused on various strategies to help. What has been missing is a system on intrinsic motivation for the workplace that spells out the key pieces of the intrinsic motivation puzzle and how they fit together.
As a Business Owner or Manager, do you have trouble sorting the hype on workplace culture? Organizational development books are forever focused on various strategies to help. What has been missing is a system for an effective workplace culture that spells out the key pieces of the puzzle and how they fit together.
This process is crucial to you if you worry about:
• What sabotages our productivity?
• How do we prioritize so we are not paralyzed and reactive?
• How do we get productive instead of just busy with distractions?
• What makes our customers happy and keeps them coming back?
• How do we stay on track to achieve goals and meet desired outcomes?
• What will help us take effective action and maintain momentum?
This book is designed to answer your most fundamental questions about workplace culture change.
They include:
1. How do I assess the condition of my workplace culture?
2. What do my Senior Team and I need to learn and commit to do?
3. Why would we transform our workplace culture?
4. What should we transform from, into?
5. How can I protect my reputation, grow my business and keep my customers coming back?
6. Where do we start and what is the process?
What is needed is a comprehensive set of human systems providing a framework, process and tools to lead your managers and staff from motivational problems to effective solutions. This book introduces just such a framework and tools.
Someone I Love Has ALS: A Family Caregiver Guide
Kevin and Jodi O’Donnell, were a young New Jersey couple busy raising a toddler and making plans for their future when they received life-altering news in 1995 that changed everything as they knew it. Kevin was only 30 years old when he was told that his health problems were the result of a rare, terminal disease called ALS (Amyotrophic Lateral Sclerosis), or Lou Gehrig’s disease. Kevin and Jodi had not heard of ALS until then and had no idea how those three letters would challenge everything they thought to be certain.
After more than 20 years of working with ALS families, Jodi realized that more information and better resources could be available to help families who are coming to grips with the challenges of the disease and the caregiving responsibilities that are involved.
In the Introduction to “Someone I Love Has ALS: A Family Caregiver’s Guide”, Jodi recounts the journey she took as a caregiver, advocate and writer and embraces and shares the lessons learned throughout the pages of this wonderful guide, “This guide was created by a variety of caregivers and professionals who have years of experience with various aspects of ALS. It was written by volunteers and experts who care about ALS and your journey. It is the resource that I wish we had received along with the shocking diagnosis.”
Although Kevin died of ALS in 2001 at the age 35, the disease never won the battle. ALS only strengthened Kevin and Jodi’s love for God and each other and it created an even bigger purpose and plan: the creation of Hope Loves Company®, the only non-profit whose mission is to support the children and grandchildren caregivers of PALS (people with ALS).
“This book would have been a godsend for my family and me when my dad was diagnosed with ALS. We had no idea where to turn or what we were facing. We felt like we only had each other and no one else understood. I’m anxious to share this wonderful book with all of our newly diagnosed ALS families. Thank you Jodi, for always thinking of others and making a difference in the lives of ALS families. I am proud to be a part of this book and Camp HLC®” – Donna Dourney York, Founder of Hark, Inc.
“This a terrific and helpful guide for caregivers and families of People ALS (PALS) from someone who has first-hand experience of caring for a person with ALS. Jodi O’Donnell- Ames has more than 20 years’ experience fighting this horrific disease and truly cares about each and every person affected by ALS.” – Lynne Brosch, nurse for several PALS
What’s the Deal with Reverse Mortgages?
People entering, nearing, or in retirement are all wondering how they are going to make their retirement nest eggs last as long as they do. Studies show that the main fear that people have in retirement is running out of money. Add to that the reality that the rules for retirement have changed; government regulations have both helped and hindered those who are retiring. For many in the Boomer generation, it will be a challenge to make the money last without having to adhere to an unpleasant budget. To survive and thrive in retirement in the coming years requires new thinking and a clear understanding of the options open to retirees.
One of these options is the Home Equity Conversion Mortgage, or what most people know as “reverse mortgages.” This advancement was signed into law by President Reagan in 1988 as a way to provide homeowners the opportunity to raise funds from their home equity while continuing to enjoy living in their homes. The concept of reverse mortgages has been misunderstood and misapplied by many since that time and finally a book has arrived that thoroughly explores this concept in a detailed, yet readable manner.
In What’s the Deal with Reverse Mortgages?, Shelley Giordano, an expert of reverse mortgages and member of the Longevity Task Force, a group of thought leaders in retirement portfolio theory, has written a book that discusses the significant improvements made by HUD/FHA to the Home Equity Conversion Mortgage (HECM.) Over the years, and most notably in 2015, HUD has improved consumer safeguards, and reduced acquisition costs for those wishing to use their housing wealth in a controlled and strategic pattern.
Shelley has brought together thought leaders and experts to write a book that applies sound analysis to demonstrate that the prudent and conservative use of housing wealth, accessed via the modern HECM, can have a profound positive effect on our other assets and our ability to generate income for retirement. This book debunks the hoary old myths attached to reverse mortgages. It explains how the HECM has evolved to meet the needs of the Boomer generation. And most importantly, it explains how to evaluate your housing wealth in the early years of retirement, and why you should never wait and pray by deferring a reverse mortgage as a last resort.
Reading this book will provide you with a full understanding of reverse mortgages to see beyond the current sales and advertising tactics related to the product allowing you to discuss the best options with your adviser, banker and family. It’s the definitive book on reverse mortgages!
The Unholy Ghost
“The Unholy Ghost” has been described as a journey of ideas and storytelling that combines the religious intrigue of Dan Brown with the magical worlds created by Margaret Atwood.
Christine Abrahams takes the reader on a non stop, thrill ride adventure that also leads one to evaluate their own spiritual beliefs. In this spiritual thriller, you enter the world of horror encountered by two people who are destined to love and also fated to bear the next savior, while battling a mysterious force unleashed by the Roman Catholic Church aimed to save humanity.
Sarah, a therapist with a spiritual nature and an affinity for the occult will bear a son who is destined to move humankind to its next evolutionary stage, or so says a prophecy. A prophecy that she only begins to learn about once she meets and falls in love with John, a Maori/Mexican retired New Zealand police officer with a powerful spiritual lineage.
But the Roman Catholic Church and the Pope are bent on making sure that this prophecy never comes true and that the child is never born. Thus begins a dazzling and entertaining story that takes you on a whirlwind tour across the globe.
“The Unholy Ghost” is a book that will challenge your beliefs and take you on a journey to the heart and soul of masterful storytelling. It takes you on a inspirational ride between Christianity and Maori spirituality that will send chills up your spine while lifting your spirits with the wonders of the human experience.
Christine Abrahams provides a metaphysical love story that is like no book you’ve ever read before.
What’s the Deal with Retirement Planning for Women?
Why is retirement planning different for women?
Women are completely comfortable talking about many “M-word” topics: their marriages, motherhood and their mothers, merlots and martinis, mammograms and menopause. But, bring up money and the conversations often screech to a halt. Ask how prepared a woman is for retirement and she can tell you the exact date when she wants to retire, but not how much money she’ll need for a 30-year retirement.
In this thought-provoking, but non-traditional, fun approach to planning for a woman’s retirement, Marcia Mantell guides women through the key questions they’ll need to answer before they will be prepared to retire. In What’s the Deal with Retirement Planning for Women?, you’ll get
- Realistic perspectives on retirement in the new era,
- A treasure trove of resources to get started, and
- Practical examples of how other women are dealing with redesigning and reinventing retirement.
Ten key questions are discussed and you may be surprised by the answers! While no two women will have the same retirement or financial resources, there are common topics that each woman needs to address.
While this book offers financial information, it also focuses on
- How to start defining your future years,
- How to use the skills of running your household to manage your retirement, and
- Why doing what you love will continue to be a key activity in retirement.
It also provides a critical overview into Social Security, which is often the foundation of income for most women in retirement.
This book should help you feel more confident and empowered to own your own retirement and future. It will give you a terrific roadmap for how to plan for the future you deserve and help you to make your retirement the best time of your life!
What’s the Deal with Paleo and Primal Eating?
What’s the Deal with Primal Eating and the Paleo Diet? is an easy to digest overview of a paleo and primal lifestyle, where readers can quickly and easily walk away understanding what steps are needed to adapt some of the protocols.
Paleo is a must-know diet that many are touting and incorporating into their routine to optimize health. Kelly O. Schmidt, a registered dietitian and leading voice in the paleo and primal lifestyle movement is a passionate health advocate who stumbled upon this lifestyle while uncovering the best method for managing her type 1 diabetes. In What’s the Deal with Primal Eating and the Paleo Diet? Kelly explains the paleo and primal diet with supportive evidence-based research, through a conversational style, while providing insight on her personal journey and advice she is finding most valuable to her clients and in the paleo and primal community overall.
Additionally, this book leaves consumers armed with:
- Sample recipes,
- Grocery list,
- Meal plans,
- Highlighted superfoods,
- Education on how all calories are not created equal,
- Information on what populations are best suited for the lifestyle, and more.
Health is more than food; it’s the way we think, move, interact and connect with nature. The quality of a diet is far more important than quantity and the sum of personal habits determine life span, but more importantly the level of our quality of life.
What’s the Deal with Estate Administration?
Estate administration is an on-the-job learning experience that most hope they will never have to experience. What’s the Deal With Estate Administration? answers the questions that you didn’t even know to ask, especially at a time that is quite overwhelming for all of us. In her previous book, What’s the Deal With Estate Planning? Peggy R. Hoyt provided a fresh new approach to thinking about estate planning that focuses on the personal aspect, not just the documents involved! Her unique approach to estate planning addressed questions regarding planning for mental incapacity, planning for long term care and ultimately, planning for your death. This book starts where her last one left off. Peggy deals with the mystery of estate administration in a straight-forward and easy-to-understand format. Estate administration is essentially a three-step process: 1. Identifying, gathering and valuing estate assets 2. Identifying and paying all creditors, including taxes 3. Distributing the remaining estate assets to the proper beneficiaries Included in those three important steps are lots of additional steps intended to comply with relevant state and federal laws. This book will help you navigate some of the most important estate administration questions you’ll encounter. Some of the topics What’s the Deal with Estate Administration? tackles are: • What to do when a love ones dies • What not to do • Probate is not a four-letter word • The difference between wills and trusts • The importance of asset ownership • Avoiding the morbid scavenger hunt • Dealing with income, estate and other possible taxes • Pre-planning your memorial service • Accomplishing your own estate planning goals While the overarching goal of estate administration is to distribute the assets to the intended beneficiaries, no two estate administrations will ever be the same. That’s because every family is different. What’s the Deal with Estate Administration? provides insight and guidance—crucial to making sure your estate plan works the way you intend.
What’s the Deal with Teens and Time Management?
Time management is a challenge for everyone, but it is a particularly daunting challenge for middle and high school students. There is an expectation that at their age they should be independent and know how to get things done on their own. But teens are busier than ever. Between homework, school, afterschool activities, family, friends, jobs, and more, teens often find that their time is truly NOT their own. Add in the fact that they often lack the tools to manage their time; maybe it’s a little unrealistic for parents to expect their teenagers to instinctively know how to manage time.
“What’s the Deal with Teens and Time Management” takes parents step-by-step through the basics of teaching their teens the time management skills they need to succeed—at school, at work and in life! This is a user-friendly guide full of best practice solutions for helping teens stay on top of their homework, avoid procrastination traps, get out the door in the morning with minimal conflict and manage the use of their electronics.
In a readable, breezy and witty fashion, Josel opens the door to the world of time management, what it really means, why it’s important and why your teen probably doesn’t “get it.” And throughout the book, Josel offers up the “Triple Ts” – her tried and true Tips, Tools and Techniques – to provide support and guidance for parents looking to help their teens understand, develop and implement time management skills.
In this book, you’ll learn:
- The FIVE mindsets parents need to start their teen on the journey of time management awareness.
- How to create a “Personal Homework Profile” to better understand how your teen tackles homework.
- How to help your teen create a time sense and develop “future awareness”.
- How to pick an appropriate paper or electronic academic planner and how to properly plan their time.
- How to create a peaceful and calm morning routine to get your teen out the door in the morning without anxiety and frustration.
- Case studies, useful resources, Leslie’s straight talk and much, much more!
Time Management is a Life Skill that Doesn’t Come Naturally to Everyone. It Can be Learned.
Making College Happen: The Realities Of Coping With College Costs
This is a unique publication that presents honest and insightful information about effectively dealing with the emotional and financial realities of making a college education possible.
It will help you and your loved ones to gain a more realistic understanding of the requirements, choices and opportunities for addressing the following areas of concern:
– How to manage your emotions
– Who can help you?
– How to avoid your own horror stories
– Is a college education worth it?
– How to make the most of your campus visits
– The pros and cons of investments
– How financial aid forms work and ways to land a scholarship
– How to understand different loans
– How to appeal a financial aid award
– How to benefit from tax relief and loan forgiveness programs
Texts With God
A daughter’s illness and a father’s desperate pleas for help lead to a texting session that may change many lives…including your own.
An email and attachment show up in a person’s inbox from someone he doesn’t recognize. Going against what he has been told, but listening to a voice within, he opens the attachment and finds a transcript of a texting session between a father of a dying daughter and someone who claims to be God.
The texts go on and provide the answers to many of the father’s questions, but will they provide him comfort as he deals with his daughter’s illness?
And WHY was the email sent to this person?
And WHO sent him the email?
Publisher’s Note: When we first encountered the manuscript for this book, we were unsure if it was the kind of book that we would publish. After reading it a few times, it reminded me of the impact that books like “Jonathan Livingston Seagull” and “The Shack” had on me. This is a book to share with others. After reading it, please pass it on! The goal is to share its message with others.
Medicare: A Practical Guide to Understanding Your Health Coverage in Retirement
Ah, Retirement.
You think you have achieved the stage of life where all your hard work finally pays off. You are looking forward to enjoying the fruits of years of labor and saving ahead. It’s the time to travel, take it easy, and do the things that you put aside for the future when you have time.
Ultimately, it is time for you. But, there is just one more thing to consider before you sit back and cruise for the remainder of your life. It’s time to plan for your health coverage.
Thanks to the Affordable Care Act (ACA), and the regulations found in Social Security’s Program Operations Manual system (POMs) you are required to have health care coverage in order to maintain your quality of life, meet the federal guidelines and keep your Social Security benefit.
During your retirement that health coverage is Medicare. Under ACA, credible health insurance is mandated for everyone. What you may not know is that once you are retired, are at least 65 years old and are receiving Social Security benefits you must accept Medicare when eligible. If you fail to accept Medicare you will forfeit all of your Social Security benefit.
That’s right, since 1993, you have to have health insurance, that is Medicare…or else.
So now that you know, what do you do about it? How do you plan for it? And how do you pay for it? When it comes to saving and investing for retirement, many Americans have done a pretty good job. The financial planners are more than willing to show us how to invest and how to save. But how many of you are planning for the mandatory expense, your health coverage?
Additionally, the information is just not that easy to find. Instead of bombarding you with 300 pages of text on the subject of Medicare, this book is a crash course on everything Medicare.
It covers: When and Why Medicare was created. It gives you an overview of the Parts of Medicare. You will find out how to enroll, when you will be eligible and what the coverage will cost you. We hope that this book can help you plan accordingly for the next phase of your life.
What’s the Deal with Self-Publishing?
Have you always wanted to write a book? Or do you have a book already written and just don’t know how to get it published?
Self-publishing is being talked about everywhere these days. You’ve heard about successful authors, such as E.L. James the writer of Fifty Shades of Grey, who have made millions of dollars and gained worldwide attention self-publishing. How can you imitate her success?
In What’s the Deal with Self-Publishing, experienced publisher Karen Hodges Miller, the founder and CEO of Open Door Publications, an independent publishing company which helps authors write, publish and promote their books, takes you through the basics of self-publishing today.
You’ll learn:
- The difference between traditional publishing and self-publishing
- How to choose the type of publishing which is right for you and your book
- Why you need a creative team and how to put one together
- How to attract readers – not just buyers – to your book
- Why you need reviews and how to ask for them
- How to use social media to reach readers who want your book
- How to price your book for the most sales
What’s the Deal with Self-Publishing is designed to be the first step in your publishing process, providing answers first-time authors need to know. Congratulations on taking the first step in joining the ranks of published authors. This book includes a full list of resources to help you to publish your book.
What’s the Deal with Estate Planning?
Are you and your family prepared in the event of a disability or death?
In her previous book, Straight Talk! About Estate Planning, author Peggy Hoyt provided a fresh new approach to thinking about estate planning that focuses on the personal aspect, not just the documents involved!. To be relevant, your estate plan must be well-counseled, fully funded and up to date. Don’t rely on your state’s default laws to create an estate plan for you – create one for yourself that meets your specific needs, goals and concerns. This requires that you understand your own situation and that of your family – and every family is unique!
What’s the Deal With Estate Planning? explores Peggy’s unique approach to estate planning and addresses important questions regarding planning for mental incapacity, planning for long term care and ultimately, planning for your death, including a peak into what happens when someone dies.
In this book, Peggy addresses the following questions:
- Why is Estate Planning Important?
- Should I Plan for Mental Disability?
- Doesn’t the Government Pay for Long Term Care?
- How vital is a Will and what does it provide for me and my family?
- Can you Trust Your Family?
- What if I have Unique Planning Concerns?
- Are Taxes a Big Concern?
- What Should I Do When Someone Dies?
- What about my pets?
This book also discusses the latest information for same-sex couples. It also includes a comprehensive list of resources for further information so that you can stay up to date with the latest laws and advice.
Remember, every family’s situation is unique – a cookie cutter approach to estate planning will not work! It’s your family – provide them with the best possible outcomes. Educate yourself today before meeting with your estate planning professional tomorrow. Let Peggy’s book help you and your family plan for the future.
What’s the Deal with Retirement Communities?
Considering a Retirement Community?
Are you or a loved one considering a retirement community, but are confused about the various alternatives?
Perhaps you would prefer to age at home but question whether it is practical and feel that exploring all of your options is a sensible exercise. If so, then you have chosen the right place to start by picking up this book!
Based specifically on popular questions author and noted expert on retirement communities Brad Breeding has received from older Americans and their adult children, “What’s the Deal with Retirement Communities?” is designed to be the first step in your research process – providing answers in a simple and concise fashion.
In this book you will learn what you need to know about the retirement living landscape, including:
- The importance of planning ahead for the later phases of retirement
- What must you consider when deciding between at-home care and a community?
- What defines a retirement community?
- How to distinguish one type of retirement community from another
- The relationship between retirement communities and long-term care services
- What does long-term care cost?
- Payment and contract structures for retirement communities
Congratulations on taking the first step in planning for your future retirement living and health care needs! This book includes a full list of resources to help you decide if a retirement community is right for you or a loved one, and how to find the right one!
What’s the Deal with The Talk Between Adult Children and Their Parents?
In his book, Having The Talk: The Four Keys to Your Parents’ Safe Retirement, Jack Tatar provided a game plan for having one of the most necessary and vital family conversations—the talk between adult children and their retired or retiring parents. As Jack stresses, the talk is best done sooner rather than later and his approach to having the talk goes beyond just the financial aspects to also consider what he calls the Four Keys to a Safe Retirement. In this concise and informative book, Jack collects recent articles and excerpts from his book on this topic to provide the reader with an easy to read book that can be read and shared between families in order to ensure that “the Talk” occurs.
In this book, Jack covers the following:
- What are the Four Keys to a Safe Retirement?
- How do you Begin the Talk?
- What are the Six Vital Financial Questions to ask?
- What are the Danger Signs for Elderly Investors?
- What are the 5 Critical Health Questions to Ask?
- Should we discuss Long-Term Care Planning?
- How do you Leave a Legacy in Retirement?
- How Can You Find Purpose in Retirement?
- What is the Secret to a Longer Retirement?
- How Important is Social Networking for Retirees?
- Should My Parents Move Closer to Me?
- And more!
This book also contains a special offer for all readers to gain 50% off of Jack’s innovative home study program that helps retirees and pre-retirees to achieve a Safe Retirement.
Safe 4 Retirement: The Four Keys to a Safe Retirement
This book takes a holistic approach to retirement for pre-retirees and retirees. Rather than just focusing on financial matters for retirement, this book explores the 4 Keys to a Safe Retirement: Financial Preparedness, Health & Wellness, Mental Attitude and Staying Involved! Many people are thrust into retirement, ill equipped to handle the various aspects of retirement, above and beyond just the financial matters!
When Jack Tatar lost both his retired mother and father in the course of six months, he heard all about how this can be a common occurrence among the elderly and retired. As one of the world’s leading market researchers, Jack was used to asking “why?” What he heard consistently through his research with retirees and their families was, “There’s plenty of books and materials about being financially prepared for retirement, but there aren’t books and resources that consider all of the aspects that are needed to consider when someone retires. How to take care of their health? What to do with their free time? How to stay connected to friends and create more friends? How to stay positive when your family and friends are moving away and/or dying? Ultimately, they need to understand how to create a safe retirement.”
This book is the result of the research, findings and experiences that led Jack to create a book that, as he says in the book’s dedication to his parents, “is a book that I wish they ‘d been able to read before they died.” It’s a book written for the person considering retirement, the person newly retired, or the person well into retirement, as well as for a friend or a child of any of these individuals.
The 4 Keys to a Safe Retirement will help the reader to:
- Create a financial plan
- Manage your retirement income
- Understand the complexities of vital programs such as Medicare and Social Security
- Manage your health and learn how to eat healthy
- Recognize that exercise is no longer optional and how to make it part of your life
- Create a positive attitude that will lead to a longer life
- Learn to cope with the difficulties that will occur in retirement such as losing loved ones and being a caregiver
- Appreciate the opportunities for travel and volunteering
- How to use new technologies and social media to connect with others
- And so much more
It’s not just a book! It’s also a dynamic resource that includes full access to a companion website, Safe4Retirement.com, which provides the latest up to date, relevant information on retirement topics.
Having The Talk: The Four Keys to Your Parents’ Safe Retirement
Have you had “the talk” yet? No, this isn’t the one you have with your kids about sex, hoping you actually know more than they do. This talk is the one adult children have with their parents about their parents’ retirement and aging and such concerns as medical proxies, healthcare and estate planning, wills, trusts, and the fact that 70% of people over age 65 will require some form of long-term care. This book focuses on the talk and incorporates Jack Tatar’s innovative Four Keys approach to a safe retirement.
By following Jack’s game plan laid out in his book, you will understand
- What the talk is and why it’s important to have it earlier, rather than later.
- How to start the talk with your parents and use talking points to keep them engaged.
- What to discuss during the talk, ensuring that all the important topics and details are covered.
- How to create, maintain, and review a financial plan for retirement.
- The latest up-to-date information on health matters pertaining to retirees.
- How to maintain a positive attitude in retirement.
- How to create an effective social structure and network for retirees.
The talk is often not a single discussion, but rather something that’s ongoing and detailed. It will help create a safe retirement for your parents and peace of mind for your entire family. It will also provide adult children with the understanding they’ll need when considering their own retirement and an appreciation of the value and importance of having this talk with their own children. Like Jack’s previous books, Safe 4 Retirement: The Four Keys to a Safe Retirement and The 10 Joys of a Safe Retirement, this new book will change the way you think about retirement. The talk will bring families together so that they stay together.
What You Don’t Know About Retirement Will Hurt You!
We’ve been trained, advised and educated that the key to enjoying a long and prosperous life in retirement depends upon our ability to maximize the growth of our assets so that we have as much retirement income as possible. But as we know, retirement is not the same as it was years ago. Investment challenges, the complexity of investment vehicles, and government intervention have changed the retirement landscape for all of us looking towards a long and thriving retirement. Yet what hasn’t changed is the fact that we continue to do the same things that we’ve done for years when it comes to retirement.
So, if you were doing something wrong, when would you like to know about it? Early enough to be able to do something, or do you want to wait until the last possible moment? Currently there are millions of people planning for their retirement and unfortunately what they are doing is wrong. There are many factors for this, including 3 obscure rules from the Federal Government, changes to the cost of healthcare and other items that most Americans are unaware of, that will force people to change their thinking about saving and funding their retirement in the future. In order to help people to save their Social Security benefits, lower their tax obligations, maximize their retirement income and control their health costs in retirement, we’ve gathered seven of the leading retirement experts writing today to point out the realities of the new rules of retirement and what you can do to take back control of your future.
Seven of the leading retirement experts provide the facts, realities and solutions around these topics:
- Dan McGrath: The New Rules of Retirement
- Michael Gerali: The REAL Truth about Medicare and Social Security
- Robert Ryerson: Financial Planning for the New Retirement
- Robert Klein: The Truth about Annuities
- Justin Belair: The New Approach to Estate Planning
- John Marroni: What to Know about Reverse Mortgages
- Mike Padawer: What’s the Deal with Long-Term Care? The Economic Realities of Long-Term Care
- With an Afterword by Jack Tatar, author of Safe 4 Retirement: The Four Keys to a Safe Retirement and Having The Talk: The Four Keys to Your Parents’ Safe Retirement
What’s the Deal with BitCoins?
Have You Heard About Bitcoins? What are they? Who created them? Why are they important? Will they replace paper money? Is it like Gold? Bitcoins are in the news regularly these days. These reports range from talking about how Bitcoins will replace paper money in many countries to how Bitcoins are being used as a way to pay for drugs, gambling and prostitution.
So, what’s the deal with Bitcoins?
- Bitcoin is, at its core, virtual currency.
- It is a digital representation of money that can be used to purchase goods and services in the same way cash can be used to purchase those same goods and services.
- However, Bitcoin differs considerably from these other currencies in that it is not backed by any bank or nation and has no formal organizational structure behind it.
- Bitcoin is managed entirely by a Peer to Peer (P2P) network of individuals that manages balances and transactions on its own.
- Bitcoins are “mined” from computer networks through the process of solving a complex mathematical problem.
- The total amount of available Bitcoins will ultimately be a finite number, which may create a huge demand, and value for them in the future.
- Bitcoins are traded on exchanges across the world, which can convert them into the accepted currencies in these countries.
- Bitcoins are being used to pay for many products and services across the globe today, some legal and some illegal.
- Bitcoins are NOT science fiction. They are real and you can learn about them by reading this book!
What’s the Deal with Long Term Care?
With a “retirement boom” to continue for the next twenty years, planning for those retirement years is critically important; and there may be no greater threat to a comfortable retirement than the need for Long-Term Care. Nearly 70% of Americans over age 65 will need some form of Long-Term Care as they age, yet studies show that fewer than 10% of Americans have completed any Long-Term Care Planning whatsoever. You need to include Long-Term Care into any retirement plans that you have! But what is Long-Term Care? Do I need it? How do I find the right solution? The goal of this book is to help you – the consumer – become better educated about Long-Term Care and Long-Term Care Planning, and after reading it, you should be prepared to move forward with planning for yourself or your family.
This book will provide you with answers to the following:
- What Long-Term Care is and why it’s critically important to plan for it
- The physical, financial and emotion impact of Long-Term Care
- Understanding healthcare in retirement and the myths of Medicare/Medicaid.
- Initiating and successfully moving through the planning process
- Long-Term Care Plan designs and options to customize your plan
- Tax-Advantages to compliment other financial & retirement planning
- Tips for working with the right Long-Term Care Planning specialist
- And helpful resources for Long-Term Care Planning
10 Joys of a Safe Retirement
Jack expands upon one of the most favorite parts of his strategy by showing you how to achieve joy in retirement and ultimately build a Safe Retirement. His 10 Joys of a Safe Retirement shows how retirees and pre-retirees can experience joy in their Safe Retirement while building a solid foundation for a long life. The true magic of this little book not only lies in its ability to help retirees and pre-retirees, but also in its message, which can help bring joy to anyone, at any age, and in any stage of life. “… the future is now in your hands. You can carve and mold it any way you like. But most of us need help.” —Jack Tatar So, open the book. Take the journey. Experience joy. Put the joys learned in this book into action. And then share the book with others.
. Breaches at healthcare companies Anthem and Premera alone exposed 91 million consumer records to the bad guys. In 2014, more than one billion records containing personally identifiable records were leaked. Today, identity theft is the fastest growing crime in the world. Everything from your credit card information to your medical history is at risk. This is a frightening book. Robert Ryerson talks about the black market value of stolen data like medical records and the reality that our innocent children can be victims of this crime. This book makes it clear that identity theft is a crime that impacts the victim in many ways. Once hit by identity theft, victims have little recourse, as identifying the perpetrator is sometimes impossible. They must work, many times on their own, to correct fallout from the theft, and to try to restore their reputation, personal records and credit. But this book is also a hopeful book. It offers solid, cost-efficient advice to help you avoid identity theft as much as possible, and recover from it as quickly as possible when it happens. The author, Robert Ryerson is a certified identity theft risk management specialist who works with individuals and families every day on this issue. His day is split between warning them about the dangers of identity theft and showing them how best to correct the situation, quickly. It’s the responsibility of all Americans to educate themselves about this crime. Currently, one in four Americans are impacted by identity theft. As technology improves and the bad guys continue to get smarter, that number will grow. Read this book. Pass it on. This book will help you to protect yourself from becoming a victim of identity theft. And if you do become a victim, it will teach you how to address and correct the situation, and how to restore your identity as quickly as possible.){kind=link}
![Facebook](https://www.facebook.com/sharer.php?u=http%3A%2F%2Fpeopletested.com%2Fshop%2Fhospital-warrior-get-best-care-loved-one%2F&picture=http%3A%2F%2Fpeopletested.com%2Fwp-content%2Fuploads%2F2016%2F04%2F3D111.jpg&description=When someone you love is hospitalized, it can be scary–even terrifying–for the patient and for family and friends. A hospital may seem like a foreign land. Sounds, smells, and the culture are unfamiliar; even the medical terminology sounds like a different language. Understanding the hospital environment and knowing how to navigate its complicated pathways can make you a strong champion for your loved one. You are as critical to your loved one’s recovery as the doctors and nurses. Your role is different, but vital. In some cases, you can make the difference between life and death. Hospital Warrior de-mystifies the process and provides the tools, understanding and insight you need to get the best care for your loved one. Based on Bonnie Friedman’s own experiences fighting for her husband’s healthcare needs for more than 24 years and through 14 separate hospitalizations, Hospital Warrior lays out in direct, simple terms hard-learned and time-tested tactics to help ensure a loved one’s medical needs are met. Hospital Warrior also includes checklists and interviews with doctors and other healthcare professionals who provide essential tips and advice for the reader. If you have a loved one in the hospital, don’t leave home without this book. Praise for Hospital Warrior “Hospital Warrior isn't just about advocating; it's about saving lives. Bonnie Friedman delves deep into the hospital setting, and provides valuable insights, wisdom and tips to help readers get the best possible medical care for the ones they love. She knows what she's talking about and it shows. Read her book before someone you know has to go to the hospital.” -- Heidi Godman, health journalist, host of Health Check with Heidi Godman on WSRQ-FM, Sarasota, FL. “Hospital Warrior is more than a how-to book on how to advocate for a loved one. It is like having a smart, savvy friend with you every step of the way, helping you get the best hospital care for someone you love. Bonnie Friedman has learned the ropes, and she’ll help you learn them too.” - Mindy Utay, LCSW, JD, couples and family therapist, psychoanalyst, writer, lecturer, official blogger for the Huffington Post "Ms. Friedman has assembled a well-researched guide to help family and friends navigate the complex environment of modern hospitals. Packed with helpful information, Hospital Warrior was invaluable to me during my husband’s three-week stay in intensive care following heart surgery that led to a stroke. The book helped me decipher medical terms, understand treatments and identify appropriate questions to ask amidst the emotional turmoil I faced when my husband was seriously ill. The extensive reference section was also helpful as my husband passed through acute rehab to sub-acute care during recovery." – Susan Fleming, Annandale, VA){kind=link}
s, IRAs and Medicare. These plans were made before we knew about the benefits of Roth IRAs or the realities of means testing raising Medicare costs are demanding that retirement planning be focused on retirement income, not just the value of your “nest egg”! This trend towards retirement income, or what is also known as “distribution” is the reason that we’ve gathered these authors together to provide you with a book that outlines these new realities. This book was written by financial advisers, professionals and experts who have recognized that the rules of retirement have changed and they’re advising their clients accordingly. They have their ear to the current realities and demands of the financial marketplace, and are implementing strategies that are focused on helping their clients to navigate these new realities. The authors of this book are not advisers and experts who are remaining in their comfort zone and advising clients on the same tired old investment approaches. They are professionals who understand the current realities of the industry and willing to venture out of their own “comfort zone” to find investment options that are most appropriate for their clients. With an understanding that every client is different and unique, these professionals recognize that they need to interpret these new realities into customized solutions for each of their clients. As you read the chapters, you’ll hear the passion and focus that each of these finan- cial professionals have for the wellbeing of their clients. The key thing to remember as you read this book, is that if your financial adviser is not discussing these matters with you, you may not have the right adviser. And if your adviser is discussing these items with you, then it’s important to work with them and integrate this type of thinking into your financial strategies. This book is required reading for anyone nearing retirement, already retired or wondering if they’ll ever retire. Retirement can be achievable for everyone. You just have to have the right information, the right approach and the right advice. Allow these authors to help you to understand the new rules of retirement so that you can achieve the retirement of your dreams. That should be the focus of every investor and every financial adviser working today!){kind=link}
![Facebook](https://www.facebook.com/sharer.php?u=http%3A%2F%2Fpeopletested.com%2Fshop%2Fwhats-the-deal-with-caregiving%2F&picture=http%3A%2F%2Fpeopletested.com%2Fwp-content%2Fuploads%2F2015%2F10%2F3D1.jpg&description=The CDC reports that there are over 34 million unpaid caregivers who provide care to someone age 18 and older who is ill or has a disability and that an estimated 21% of households in the United States are impacted by caregiving responsibilities. So with so many people struggling with caregiving responsibilities, why do caregivers feel alone and on their own? Chris MacLellan, who has experienced the role of a caregiver, not once, but twice has written a long needed guidebook for caregivers that provides guidance, tips, resources, compassion and advice that is all based on his own experience and desire to help others who struggle with the role of being a caregiver. This book discusses Chris' own recent experience which was widely documented through a Pulitzer Price nominated story from Florida about his role as a caregiver for his dying partner. What Chris learned is now provided in this book to help the millions of caregivers of all ages, races, sexual orientations and family situations. "In today's world, there is the increasing likelihood that it is not “IF,” but more likely “WHEN,” that each of us will find ourselves facing the emotional and practical challenges associated with providing, perhaps for an extended period of time, care for a family member or significant other. Or, you may be in that position now and currently trying to cope with, and manage, such a situation; you already know first hand that it isn’t a walk in the park. You may be thinking that a caretaking travel guide would surely be a help. Chris MacLellan has walked those same kinds of journeys as he assumed caretaking responsibilities with two different partners while having to find his own way through it all. My many conversations with Chris over the years have revealed an informed and evolving wisdom born from those deeply personal and courageous experiences. His generous willingness to share what he has distilled from those travels provides both an insightful and empathic understanding of the issues, challenges, and tasks involved. His practical advice, his positive attitude, and his compassionate style will provide you with some helpful tools, and the reassurance that there is a way to successfully navigate this life path ahead. Chris’s clear guidance and informed perspective will serve you well, and perhaps almost as importantly, will be of benefit to your loved one too. How? Because, if you are a well and knowledgeable caregiver, you will be a more effective caregiver adding to your Caree’s quality of life. Read on and let Chris be your caretaking guide." —John A Shwed, PhD, LCSW){kind=link}
, or Lou Gehrig's disease. Kevin and Jodi had not heard of ALS until then and had no idea how those three letters would challenge everything they thought to be certain. After more than 20 years of working with ALS families, Jodi realized that more information and better resources could be available to help families who are coming to grips with the challenges of the disease and the caregiving responsibilities that are involved. In the Introduction to “Someone I Love Has ALS: A Family Caregiver’s Guide”, Jodi recounts the journey she took as a caregiver, advocate and writer and embraces and shares the lessons learned throughout the pages of this wonderful guide, “This guide was created by a variety of caregivers and professionals who have years of experience with various aspects of ALS. It was written by volunteers and experts who care about ALS and your journey. It is the resource that I wish we had received along with the shocking diagnosis.” Although Kevin died of ALS in 2001 at the age 35, the disease never won the battle. ALS only strengthened Kevin and Jodi’s love for God and each other and it created an even bigger purpose and plan: the creation of Hope Loves Company®, the only non-profit whose mission is to support the children and grandchildren caregivers of PALS (people with ALS). “This book would have been a godsend for my family and me when my dad was diagnosed with ALS. We had no idea where to turn or what we were facing. We felt like we only had each other and no one else understood. I’m anxious to share this wonderful book with all of our newly diagnosed ALS families. Thank you Jodi, for always thinking of others and making a difference in the lives of ALS families. I am proud to be a part of this book and Camp HLC®” - Donna Dourney York, Founder of Hark, Inc. "This a terrific and helpful guide for caregivers and families of People ALS (PALS) from someone who has first-hand experience of caring for a person with ALS. Jodi O'Donnell- Ames has more than 20 years’ experience fighting this horrific disease and truly cares about each and every person affected by ALS." - Lynne Brosch, nurse for several PALS){kind=link}
 Over the years, and most notably in 2015, HUD has improved consumer safeguards, and reduced acquisition costs for those wishing to use their housing wealth in a controlled and strategic pattern. Shelley has brought together thought leaders and experts to write a book that applies sound analysis to demonstrate that the prudent and conservative use of housing wealth, accessed via the modern HECM, can have a profound positive effect on our other assets and our ability to generate income for retirement. This book debunks the hoary old myths attached to reverse mortgages. It explains how the HECM has evolved to meet the needs of the Boomer generation. And most importantly, it explains how to evaluate your housing wealth in the early years of retirement, and why you should never wait and pray by deferring a reverse mortgage as a last resort. Reading this book will provide you with a full understanding of reverse mortgages to see beyond the current sales and advertising tactics related to the product allowing you to discuss the best options with your adviser, banker and family. It’s the definitive book on reverse mortgages!){kind=link}
![Facebook](https://www.facebook.com/sharer.php?u=http%3A%2F%2Fpeopletested.com%2Fshop%2Fthe-unholy-ghost%2F&picture=http%3A%2F%2Fpeopletested.com%2Fwp-content%2Fuploads%2F2015%2F08%2F3D_book_cover-4.jpg&description="The Unholy Ghost" has been described as a journey of ideas and storytelling that combines the religious intrigue of Dan Brown with the magical worlds created by Margaret Atwood. Christine Abrahams takes the reader on a non stop, thrill ride adventure that also leads one to evaluate their own spiritual beliefs. In this spiritual thriller, you enter the world of horror encountered by two people who are destined to love and also fated to bear the next savior, while battling a mysterious force unleashed by the Roman Catholic Church aimed to save humanity. Sarah, a therapist with a spiritual nature and an affinity for the occult will bear a son who is destined to move humankind to its next evolutionary stage, or so says a prophecy. A prophecy that she only begins to learn about once she meets and falls in love with John, a Maori/Mexican retired New Zealand police officer with a powerful spiritual lineage. But the Roman Catholic Church and the Pope are bent on making sure that this prophecy never comes true and that the child is never born. Thus begins a dazzling and entertaining story that takes you on a whirlwind tour across the globe. "The Unholy Ghost" is a book that will challenge your beliefs and take you on a journey to the heart and soul of masterful storytelling. It takes you on a inspirational ride between Christianity and Maori spirituality that will send chills up your spine while lifting your spirits with the wonders of the human experience. Christine Abrahams provides a metaphysical love story that is like no book you've ever read before.){kind=link}
![Facebook](https://www.facebook.com/sharer.php?u=http%3A%2F%2Fpeopletested.com%2Fshop%2Fwhats-deal-teens-time-management%2F&picture=http%3A%2F%2Fpeopletested.com%2Fwp-content%2Fuploads%2F2015%2F05%2F3D_book_cover6-1.jpg&description=Time management is a challenge for everyone, but it is a particularly daunting challenge for middle and high school students. There is an expectation that at their age they should be independent and know how to get things done on their own. But teens are busier than ever. Between homework, school, afterschool activities, family, friends, jobs, and more, teens often find that their time is truly NOT their own. Add in the fact that they often lack the tools to manage their time; maybe it’s a little unrealistic for parents to expect their teenagers to instinctively know how to manage time. "What’s the Deal with Teens and Time Management" takes parents step-by-step through the basics of teaching their teens the time management skills they need to succeed—at school, at work and in life! This is a user-friendly guide full of best practice solutions for helping teens stay on top of their homework, avoid procrastination traps, get out the door in the morning with minimal conflict and manage the use of their electronics. In a readable, breezy and witty fashion, Josel opens the door to the world of time management, what it really means, why it’s important and why your teen probably doesn’t “get it.” And throughout the book, Josel offers up the “Triple Ts” – her tried and true Tips, Tools and Techniques – to provide support and guidance for parents looking to help their teens understand, develop and implement time management skills. In this book, you’ll learn: The FIVE mindsets parents need to start their teen on the journey of time management awareness. How to create a “Personal Homework Profile” to better understand how your teen tackles homework. How to help your teen create a time sense and develop “future awareness”. How to pick an appropriate paper or electronic academic planner and how to properly plan their time. How to create a peaceful and calm morning routine to get your teen out the door in the morning without anxiety and frustration. Case studies, useful resources, Leslie’s straight talk and much, much more! Time Management is a Life Skill that Doesn’t Come Naturally to Everyone. It Can be Learned. ){kind=link}
, and the regulations found in Social Security’s Program Operations Manual system (POMs) you are required to have health care coverage in order to maintain your quality of life, meet the federal guidelines and keep your Social Security benefit. During your retirement that health coverage is Medicare. Under ACA, credible health insurance is mandated for everyone. What you may not know is that once you are retired, are at least 65 years old and are receiving Social Security benefits you must accept Medicare when eligible. If you fail to accept Medicare you will forfeit all of your Social Security benefit. That’s right, since 1993, you have to have health insurance, that is Medicare…or else. So now that you know, what do you do about it? How do you plan for it? And how do you pay for it? When it comes to saving and investing for retirement, many Americans have done a pretty good job. The financial planners are more than willing to show us how to invest and how to save. But how many of you are planning for the mandatory expense, your health coverage? Additionally, the information is just not that easy to find. Instead of bombarding you with 300 pages of text on the subject of Medicare, this book is a crash course on everything Medicare. It covers: When and Why Medicare was created. It gives you an overview of the Parts of Medicare. You will find out how to enroll, when you will be eligible and what the coverage will cost you. We hope that this book can help you plan accordingly for the next phase of your life.){kind=link}
 network of individuals that manages balances and transactions on its own. Bitcoins are “mined” from computer networks through the process of solving a complex mathematical problem. The total amount of available Bitcoins will ultimately be a finite number, which may create a huge demand, and value for them in the future. Bitcoins are traded on exchanges across the world, which can convert them into the accepted currencies in these countries. Bitcoins are being used to pay for many products and services across the globe today, some legal and some illegal. Bitcoins are NOT science fiction. They are real and you can learn about them by reading this book! ){kind=link}
