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Creating Your Retirement Vault was written to help people understand the different investment opportunities and the agents that sell them. It lays out a variety of investment types and strategies designed to give the reader tools to make an informed decision regarding their financial future. This book is designed to set realistic expectations for couples and individuals entering retirement, what costs and fees should be expected, and what they should expect from their advisor and investments.

In 2010, Jennifer Carroll made history as the first black person and the first woman elected to the position of Lieutenant Governor in the state of Florida. As Lieutenant Governor, her duties included assisting the Governor with economic development and foreign trade, overseeing the Florida Department of Military Affairs and the Florida Department of Veterans Affairs, and serving as Chairperson of Space Florida. She was also the Governor's Designee on the Florida Defense Support Task Force and Chairperson on the Governor's Task Force on Citizen Safety and Protection. Highlights of her work in office include: meeting with Congressional and Pentagon officials to advocate for Florida's $65 billion military economy and defense industry, efforts which resulted in increased military positions, construction funding, and defense contract opportunities for Florida's businesses; leading trade missions to South Africa and Trinidad and Tobago, which led to $70 million in new trade between Florida and those countries; and helping to create thousands of new private sector, space and aerospace jobs in Florida through her work as Chairwoman of Space Florida.

Insider Strategies to Plan for Medicaid, Veterans Benefits and Long-term Care and How to Help Your Loved One to Live With Peace and Dignity The Caregiver's Legal Guide to Caring for a Loved One with Chronic Illness was written by a Certified Elder Law Attorney to help seniors, veterans and their families navigate the long-term care legal maze. Inside you will find tips, tricks, and legal strategies to help protect the quality of life and resources for a loved one who is suffering from a chronic illness, such as Alzheimer's, Dementia, Parkinson's, Multiple Sclerosis, Huntington's Disease, or even the frailties of aging. Aid & Attendance Veterans Benefit. You will have peace of mind to know that when your loved one needs care, he or she will have the best quality of life possible and be able to afford the best level of care.

With more than 30 years as a financial planner, Michael Haubrich, CFP® shares how he has helped others view their career as a vital, thriving asset on par with other financial asset classes that deserves the same level of investment, attention and development. In this book you'll learn how others have extended the earning power of their career asset and achieved improved work+life fit and career satisfaction. This is a definitive read for financial planners, career coaches and counselors, and anyone who wants to develop, manage, and optimize their career asset.

TOOLS TO DEVELOP A LIFELONG INCOME, FREE OF FEAR IN HIS FORTY YEARS AS A FINANCIAL AND RETIREMENT ADVISOR, Bill Riley has seen it all. He has seen his industry neglect the very people it purports to serve. Riley has a better way. And in Forty Years of Investor Mistakes he shares what you need to know now - before it's too late. Riley wants to spare you the mistakes that he often sees among people preparing for retirement - or who already are there. Those mistakes can turn dreams into drudgery, as so many retirees learned so well in recent years, as their proud portfolios dwindled. It didn't have to be that way. Riley understands how troubling this new phase of life can be, but he also knows you deserve the fulfillment you worked so hard to attain. He has helped countless clients make the most of their savings and develop a lifelong income, free of fear, so they can reach their goals confidently. In fact, it all starts with goals. He does far more than analyze your finances. He gets inside your head. For what purpose did you save that money? Riley focuses first on helping you figure out where you are going with your life - because it's only when you see that destination that he can best help you get there. Along the way, Riley will make sure you have enough to live well, day by day. With discipline and dedication to fundamentals, he can keep you out of trouble in tough economic times and help you to flourish in the good times. He rallies decades of experience and teamwork to create a retirement plan designed just for you. In Forty Years of Investor Mistakes Bill Riley shows you the better way - the culture of caring, as he calls it. He brings you the kind of retirement planning that will help you to live well, sleep well, and preserve your legacy for generations to come.

WANT TO GROW YOUR PRACTICE IN THE NEW ECONOMY? Examine what you are doing today and diagnose the best treatment for your practice moving forward. You know the Great Recession created big problems for many dentists. It exposed dental practices to inefficient and ineffective processes, protocols and skills that suppressed production growth. The problem areas, primarily, are: No-shows and cancellations, fewer new patients and referrals, and fewer cases completed There is no leeway in today's dental practices for operational inefficiencies. Inside these pages, you'll discover the 5 key strategies to predictable, significant and sustainable results! 1. HOW to create consistently exceptional Patient Experiences 2. WHY a Strategic Plan is a "must have" to predict your future 3. HOW to Fill-the-Schedule and keep it full 4. CASE Completion, not case acceptance: the magic wand to big increases in production 5. HOW to Lead your team to Performance, instead of managing work

IF YOU THINK YOU KNOW SALES...YOU DON T KNOW JACK! Jack Daly stands above all others. His energy is matched only by his genius and understanding about what makesthe best sales organizations. It s not commission strategies, it s not about glossy sales materials; it is about people. Jack understands better than most that if you look out for your people and insist that they look out for your customers, the result is unprecedented growth (and a lot of very happy and inspired employees and customers). Simon Sinek, Optimist and Author of Leaders Eat Last and Start With Why Winning teams result from strong cultures and leadership driven systems and processes. In the world of sales, as detailed in Hyper Sales Growth, Jack Daly knows how to lead and win. Pat Williams, Co-Founder, Orlando Magic, Author of Vince Lombardi on Leadership If you want to play the piano, you hire a teacher. If you want to run a fast marathon, you hire a coach. Jack Daly is the best Professional Sales Coach in America. He teaches you what you need to know, how to remember it, and how to practice it every single day. This book will change your life as a leader and a salesperson, and you will thank Jack Daly every day you make a new sale. Willy Walker, Chairman and CEO, Walker & Dunlop It s finally here!! The book all the million fans (that s literal) of Jack Daly have been wanting a book that shares the same time-tested sales management techniques that work to drive growth he s been teaching in his powerful and packed workshops. It s all about getting the sales management piece right; this is the book that shows you the way. Verne Harnish, CEO of Gazelles Author of Mastering the Rockefeller Habits and The Greatest Business Decisions of All Time If you want to get predictable revenue and profitable growth, Jack Daly is your source for the state of the art in sales. Read this book, buy it for your team, follow his advice and you ll be unstoppable. Christine Comaford, Executive Coach & Presidential Advisor NY Times Best Selling Author of SmartTribes: How Teams Become Brilliant Together Jack Daly is a rare gem in the business world. I have seen him transform several companies, by growing revenue, by upgrading corporate cultures, and by growing employees capacity to produce results. His vast knowledge and experience gives him a perspective unmatched by anyone I ve experienced. This book is a must read if you are interested in taking your company to the next level in the most direct way possible. Rick Sapio, CEO of Mutual Capital Alliance, Inc"

PeopleMatter Now, More Than Ever! THE SERVICE INDUSTRY--including restaurants, convenience stores, and other retail companies--has seen a tremendous amount of change in recent years and not all for the better. These businesses are facing some major challenges, from slim margins and high turnover rates to ever-changing workforce management issues infl uenced by politics, generational trends, and the new post-downturn economy. PeopleMatter puts forth the simple yet powerful idea that the key to overcoming these challenges lies with your people. You can't accomplish any of your goals without them, and if you can better understand who they are, what they want, and how to engage and motivate them, you can unlock a world of potential that will make a positive difference in more ways than one. The payoff can be huge, not just in terms of bettering your bottom line, but also in the lives of everyone involved--including you. Your people are the most valuable asset you've got, and helping them fi nd real meaning and purpose in their lives is both good for business and good for them. Plus, being able to do that for someone else is a pretty powerful and inspiring thing. Because real change is about more than just theory, PeopleMatter also provides action items that employers and managers can use right now to make their workplaces better, with the end result being happier employees and happier customers, which in turn leads to higher sales and better margins--and who wouldn't want all that?

Foreword By New York Times Best-Selling Author Jay Baer

A story of hope, courage, and determination and learning the lessons of entrepreneurial life. Dr. Palan explores the lessons and gifts of his extraordinary entrepreneurial journey. Based on personal experiences and examples from business and politics, this book is about defining your own success, knowing where you want to go but also being flexible and allowing life to take you in unexpected directions, connecting passion to purpose, truly understanding yourself and your strengths, being resilient, and the importance of continuing to learn.

¿Alguna vez se ha preguntado si sufre problemas de tiroides? Quizá lo haya hecho por sentirse cansado; porque no importa cuánto se ejercite, no pierde peso; se le cae el pelo y en general se siente desganado. De ser así, es necesario que considere la posibilidad de que, de hecho, padezca hipotiroidismo. En su libro Hipotiroidismo, Salud y Felicidad, el doctor Hotze revela cómo es que esta condición se pasa por alto, no es diagnosticada correctamente o resulta mal atendida, tanto en hombres como en mujeres. Además, le brinda la información necesaria para que se prepare para pedir ayuda. A menudo, a las personas con síntomas de baja función tiroidea se les prohíbe comenzar con el sencillo, económico y efectivo tratamiento para hipotiroidismo. En lugar de eso, se les dice que sus análisis de sangre están 'bien'. Descubra por qué tiene la responsabilidad consigo mismo de creerle a su cuerpo y no a los resultados de los exámenes de sangre. El doctor Hotze lleva más de 20 años con la misión de hacerle llegar su mensaje a hombres y mujeres, sobre todo en la edad madura. Las respuestas contenidas en este libro referentes a los síntomas, señales y tratamiento de la baja función tiroidea no son las mismas que ofrece la medicina convencional. EN SUS PÁGINAS APRENDERÁ: La base histórica para identificar y atender el hipotiroidismo. Las causas subyacentes del hipotiroidismo. Señales y síntomas clínicos que podrían reflejar la existencia de hipotiroidismo. Sobre la poco usada prueba de sangre que identifica los desórdenes tiroideos a pesar de un TSH 'normal'. Sobre otras personas que ahora gozan de buena salud, bienestar, y prosperan en sus vidas. La forma de aplicar una sencilla prueba casera para comenzar a darse cuenta si sufre de una baja función tiroidea. El doctor Hotze tiene un dicho: "Si está cansado de estar enfermo y cansado, tiene la responsabilidad consigo mismo de tomar las riendas de su salud y recuperar su vida". Al armarse con la información contenida en el libro, estará dando el primer paso hacia la recuperación de salud, la transformación de su vida y el mejoramiento de su mundo, de forma natural.

Are your energy bills through the roof, and is your home still cold in the winter and hot in the summer? That's the reality for many homeowners in Wisconsin today, but it doesn't have to be that way. Advances in glass technology and window construction in recent years have made old style windows obsolete. In fact, some windows now on the market are more energy efficient than the walls that surround them. Taking into consideration the window technology available today, we are able to produce high-performance windows that keep comfort at a maximum and energy consumption at a minimum. Read this book if you are considering replacing some or all of the windows in your home. Learn how to assess the performance metrics on window labels and choose the best product for your situation. Find out about single-, double-, and triple-glazing and how it affects conduction and air infiltration. Read about argon and krypton, and learn which more effectively slows conduction. From the hazards of "doing it yourself," to the pitfalls of hiring a handyman, Wisconsinite Scott "The Window Guy" Young draws from a lifetime of experience replacing windows the right way. He guides you through the basics of glass production, window styles and construction, installation, price, and long-term value. Arm yourself with the knowledge you need to make informed decisions about replacing the windows in your home. Then window shop like a pro and enjoy the comfort, convenience, good looks, and energy efficiency that high-quality, properly installed windows will deliver for years to come.

You have witnessed your baby's first steps, first words, and first haircut. Now, it's time for the first trip to the dentist. This first visit may very well be a deciding factor in whether your child enjoys going to the dentist or not.

For millennia, rice has sealed the fate of dynasties and kingdoms in Asia but has only remained a cultural curiosity to Western financial markets. Today the food and agricultural markets of India and China are in motion. The history of agricultural change is littered with hunger, poverty and failure. Will that curse pass itself on to this Asian generation? Or is there a brighter future ahead of us? Now China is rapidly becoming the wealthiest country in the world. China's water shortages and its rice market are fault lines that finger their way beneath the surface of the world economy. These fault lines are sending out tremors that could shake the entire world in the next few years. Rice is a little grain but a big deal in Asia. The Great Wall of China is cemented together with sticky rice. It uses up to 70% of the water resources of China. Rice's 200,000,000 farms feed 3,000,000,000 people. Yet it is grown on an area the size of France. Rice is the social cement of Asia and the rice farms of Asia may crack that ancient cement. This book explains the ancient yet curiously modern story of rice that binds feudal farms to the new super cities across China. At the center of this story is the rice farmer, whose backbreaking labor feeds millions. In the next 15 years, millions of farmers must transition from landless serfs into modern business people skilled in all the technologies and versed in market risk. The rice world lies on the dark side of this digital earth. But that world is turning rapidly towards the light.

Adam Cufr is a man of two passions - music and finances. As a longtime drummer and retirement advisor, he sees parallels between those worlds. He understands rhythm and structure, harmony and tempo. He can inspire you to orchestrate the retirement of your dreams. The founder of Fourth Dimension Financial Group and a frequent media commentator, Cufr has met many people as they embark on this new phase of life. Retirement is an exciting time of freedom and growth, but Cufr knows it can also be a troubling one. So many worries can keep you awake at night: Will the market crash again? Will inflation and taxes pick your pocket? Will you have enough to live well the rest of your life? What if you or your spouse gets sick? Cufr can help you cut through the complexities to find clarity. The rules have changed. Once, you were building for the future. Now, the future has arrived. If you continue to invest the way you did when you were younger, you could jeopardize your life savings. You need to put that nest egg to work so that it takes care of you for a lifetime, with a legacy beyond. Cufr can show you strategies and tools that work - and steer you away from danger. You deserve peace of mind. In Off the Record, Adam Cufr explains the four dimensions of retirement preparation - income planning, risk management, tax strategy, and estate planning. Above all, retirees must recognize the importance of time itself - often considered the fourth dimension in our 3-D world. Finding the right pace is critical to success in our financial lives. It all starts with understanding yourself. Cufr emphasizes the need to set clear goals for retirement. He will work with you to figure out just what you want out of life, and then help you rally your resources to get it. First, he will make sure you can meet your daily income needs. Then, it's onward to the dreams. Adam Cufr knows what life can throw your way. He and his family have had their own share of challenges - and they have made him stronger and better able to guide you through this new dimension of retirement.Foreword by Lee Powell

A Lifelong Journey in Search of Happiness Tom Lawhead retired from banking at the age of 39. It wasn't because of luck or a windfall; it was planned. Tom's been on a wonderful journey, but there are plenty of downsides to his story as well. The motivation for writing this book came from singing and playing guitar in nursing homes, adult day care facilities and special needs hospitals. He sees firsthand, every day, lives nearing their ends and the affect it has on everyone around them. He often asks himself, "What have their lives been like? Did they do everything they wanted to? Did they leave important issues unresolved?" In this book, Tom candidly shares his failures, weaknesses and regrets as well as many lessons about how to avoid the same pitfalls. He gives a glimpse of what true happiness is all about and how to achieve it. There is no shortage of practical advice regarding family, money, careers, faith, sickness and even death. Read this book and learn how to Take This Life And Love It!

Iron Tribe is the fascinating story of how a garage hobby and a passion for changing people's lives through fitness exploded into the fastest growing fitness franchise in the country. From early success as the top franchisee in the country in another fitness franchise, to ministering to people who lived in a dump in Honduras and realizing that he didn't have it all figured out, join Forrest for this exciting and often surprising journey. The story involves birthing a franchise business, creating a non-profit that has impacted more than 200,000 people with the gift of clean water, and, most importantly, a vibrant and loving family. The lessons he learned along the way are applicable to any entrepreneur, executive, or leader who wants to maximize their time, talents, and resources while living a life of significance.

Shift Points provides an overview of the Seven Accelerators(TM) model, and is essentially a prequel to Decide One Thing. Written in the same fast-reading style as Decide One Thing, it features One Hundred innovative ideas, each of which is summarized in just One Page. Taken individually, each idea can be a catalyst for your organization. Taken holistically, they represent a comprehensive roadmap that will shift your performance into top gear. Decide One Thing. Align Everything. Win!

Cuando su familia vendió su compañía de seguros, significaba la elección de un nuevo camino en la vida, cual al principio no tenía dirección clara. El tiempo que Jofi pasó con sí mismo, y con su esposa e hijos, explorando nuevas oportunidades, le dio la oportunidad de entender mejor sus deseos internos, los cuales fueros suprimidos durante mucho tiempo mientras trabajaba con la empresa familiar en piloto automático. Jofi pudo examinar los objetivos de su vida y las diversas opciones que ahora tenía delante de él. Sobre todo, Jofi Baldrich fue capaz de replantear su manera de ver la vida, encontrando una manera de equilibrar el trabajo, la felicidad personal y el tiempo con su esposa e hijos. A través de tomar clases nuevas, yendo a retiros, y aprendiendo a comprender y empatizar con cómo otros veían a ellos mismos y sus propios miedos y deseos, Jofi fue capaz de convertirse en un Integral Coach, recentrando su propio mundo. En los últimos años, Jofi ha enseñado a otros lo que aprendió, ayudándoles a reequilibrar sus vidas. Muchos de los viejos amigos de Jofi se preocuparon por sus nuevas elecciones de vida, al no conocer mucho del mundo de coaching. Pero Jofi supo su verdadera vocación. La vida no es simplemente una competitividad feroz de la vida moderna, tratando de lograr la próxima meta, el próximo aumento de sueldo, ni la próxima oficina de la esquina con una vista. Jofi siguió su propia brújula interna, encontrando la felicidad a la vez que exploraba sus propias pasiones. El camino de cada persona será diferente, pero en este libro, Jofi te muestra cómo encontró la felicidad, llegando a un acuerdo con todo lo que aprendió en la vida de las relaciones con el dinero, la familia y el trabajo. La felicidad especial de Jofi y su vida recién centrada es algo que todos podemos lograr mediante una mejor comprensión de cómo nos sentimos dentro de nosotros mismos. Podría ser tan movido que querrás convertirte en un Integral Coach!

When his family sold their insurance organization, it meant choosing a new path in life, one at first with no clear direction. Jofi's time to himself, and with his wife and children, exploring new opportunities, gave him the chance to better understand his inner desires, long suppressed while on auto-pilot working with the family company. Jofi was able to examine his life's goals and the various choices he now had in front of him. Most of all, Jofi Baldrich was able to reframe his way of looking at life, finding a way to balance work, personal happiness and time with his wife and children. Through taking new classes, going on retreats, and learning to understand and empathize with how others saw themselves and their own fears and desires, Jofi was able to become an Integral Coach, re-centering his own world. In recent years, Jofi has gone on to teach others what he learned, helping them to rebalance their lives. Many of Jofi's old friends worried about his new choices in life, unfamiliar with the world of coaching. But Jofi learned his true calling. Life is not simply a rat race, trying to achieve the next goal, the next raise, or the next corner office with a view.Jofi followed his own inner compass, finding happiness all the while exploring his own passions. Every person's path will be different, but in this book, Jofi shows you how he found happiness, coming to terms with all he learned in life about the relationships with money, family, and work. Jofi's special happiness and newly centered life is something all of us can achieve, by better understanding how we feel inside of ourselves. You might be so moved as to want to become an Integral Coach yourself!

Why Do So Many Kids HATE School? A Paradigm Shift Is Necessary In Education. And Now, A Colledge Football Coach Offers Such Reform. As coaches, we have opportunities that teachers do not. Coaching is a performance based working relationship that relies on the mastery of fundamentals and technique to create a competitive advantage. Coaches are held accountable for an athlete's performance on and off the field. This leads us very quickly to a fork in the road. We can bend the rules academically, and manipulate the system so that they can get through and stay eligible, or we can invest deeply in them and help them technically and fundamentally so that they can become legitimate, independent performers in all areas of life. I see myself at the center of the paradigm shift, which is based on skills and ideas, not subjects and orders. Study hall, medication, tutoring and other conventional forms of intervention aren't what we need. They aren't the long-term solution. We need sustained performance based change that is built on fundamentals and technique. If we are going to effect permanent, long-lasting, fundamental change, the paradigm shift has to begin somewhere other than in the schools. Therefore, parents and educators must pursue such change individually through a program like Academic Gameplan. Academic Gameplan is a coaching based program that teaches the rules, fundamentals and techniques to the game of school. The life skills we teach are SOLID, SIMPLE, and REPEATABLE. AGP is the ROCK upon which students are building lifelong success!

STAY CALM & BAGEL ON Without any formal business training, Mary Beall Adler took a floundering bagel bakery in Washington, D.C., and, against all odds, made it a success. In this revealing and touching book of struggle and joy, Mary tells her story of a difficult marriage, financial troubles and dashed dreams. A powerful survival instinct helped her find solutions to seemingly insurmountable problems. An enticing read from beginning to end, Mary's book reveals her talent for sharing her innermost thoughts. In doing so, she captures feelings of insecurity and triumph-universal emotions that will move and resonate with those who read about her ever-eventful world of bagels.

With more than 23 million Americans looking for work, job generation is a priority for restoring the American economy. Yet many of the unemployed and underemployed are not looking for just any job, but the right job, one that will complement their skill sets and desires. The right choice for many is working alongside innovative entrepreneurs who are playing a major role in changing today's business climate. Steven R. Musick, owner of the decades old company Destiny Capital and a Professor at the University of Denver, believes the key to job generation is tapping into America's exceptional entrepreneurial spirit fueled by hundreds of thousands of young, creative people. But once they have found their Big Idea, many creative minds often find themselves a loss for how to make it take seed, find capital to expand, distinguish themselves in the marketplace from their competitors along with a myriad of other issues that face an entrepreneur. At the same time, with millions on the job market, how do potential employees stand out during an interview, knowing the right questions to ask to separate themselves from the sea of other candidates?Professor Musick has the answers in this informative, challenging book, a key component of his entrepreneurial class. This book is full of real life examples of model companies whose time-tested management techniques and forward thinking processes have made themselves leaders in their industries, always ahead of their competitors with new ideas that allow their companies to grow, adding jobs to the American economy. Life lessons are also here for job seekers, with stories from workers whose thought provoking interviews have allowed them to clinch the job, letting their unique skills become integral components which have helped propel their chosen companies to the top of their sectors. With this book, Professor Musick shows that job generation, the way to keep America on a steady path of growth, can be achieved by those with the right entrepreneurial spirit and the skills to keep the economy humming. How will America get back on the right track? Job generation is the answer.

The Number One Killer of Teenagers in America is a Traffic Crash Even though we have had driver education for over three generations, that statistic remains unchanged. But, it doesn't have to be that way.In this book, Patrick Barrett traces the history of driver education's failure to produce safer drivers. He identifies it causes for failure and provides a real answer for how we can reduce collisions by 50%. While technology has improved vehicle design and made the roads safer, driver education has not advanced. It continues to use the same outdated formula adopted in 1949 of five hours of classroom instruction for every one hour of in-vehicle training. The so-called stakeholders in driver education have a vested interest in maintaining the status quo. As long as the current standards and same agencies continue to rule driver education, you can expect driver education to continue to fail. Mr. Barrett shows how the lack of accountability and the use of a time-based standards and a public school format that emphasizes classroom over in-vehicle training creates a system in which new drivers know just enough to be dangerous.Included in this book are the 7 Deadly Mistakes Parents Make When Choosing Driver Education for their Teen and how parents can avoid these tragic mistakes. In addition, this book contains resources, options for a mastery-based approach, and opportunities for individuals and organizations who want to make a difference in producing safer drivers.

Meet Steve Adams, who at age 32 was a banking executive and flying high. Everyone was proud of him. And he was dying inside. Adams had long yearned for something else - a dream that you, too, may harbor in your heart. He had a passion waiting to blossom. He wanted to make it as an entrepreneur in his own business. He wanted to do something meaningful. Win or lose, he writes, I knew my only real anguish would be regretting in twenty or thirty years why that young man never just took that chance. Today, Adams operates successful Pet Supplies Plus stores across the country. His was a journey of severe challenges overcome, and in The Passionate Entrepreneur he shares his mistakes and heartaches and what he learned from them in his pursuit of success. He imparts the lessons about the systems and strategies essential to running a successful business. Among them: how to treat employees, appeal to customers, and establish your brand, all the while paying meticulous attention to the bottom line. Above all, however, an entrepreneur must understand the true bottom line - the meaning of success itself. Adams knows that business without passion is a mere exercise in numbers. Profit without purpose can drain the soul. He wanted to be an entrepreneur so that he could lead others to a better life - his family, his employees, his clients, and his community. An entrepreneur needs a mission and absolute clarity about what he or she wants to accomplish. The Passionate Entrepreneur is a book of encouragement for those who are ready to pursue their dreams and for those who fear, in their frustration, that they have forgotten them. Steve Adams gets to the heart of the matter, and he is waiting to speak to you. Foreword by Lee Milteer

What comes to mind when you hear the words "nursing home"? Probably nothing positive, particularly if you're not familiar with nursing homes as they exist today. But given the aging of the baby boomer generation, chances are that you, someone in your family, or someone you know will become a nursing home resident soon. The good news? Nursing homes are better than ever. They strive to provide a high quality of life for their residents, and there is a wide range of facility choices and levels of care. But how do you cut through the noise and find the right fit for you or your spouse, Mom, Dad, or other Senior family member? By educating and empowering yourself with the latest insider information. Kojo Pobee, MD, a board-certified geriatrician and Certified Medical Director works in the trenches as a nursing home doctor. He wrote this book to address the negativity and misinformation about nursing homes-to cut to the truth. In Cut Through the Noise, you'll learn: ¿ Who needs nursing home care and when. ¿ What to look for in a nursing home. ¿ What rights every resident has. ¿ How to pay for nursing home care. ¿ Who's who on the nursing home staff. ¿ Where to find unbiased information. ¿ How you or your loved one can adjust well . . . and quickly! ¿ And more, much more. The power of information brings peace of mind to any difficult situation. Armed with this insider's look at nursing home care, you can rapidly become an effective advocate for yourself or your family member.

Every day in business we experience uncertainty, risks and emotional exposure to winning and losing the battle for growth. There are many theoretical business practices out there, but none as brilliant and simple as The Art of War by Sun Tzu, which was used to win wars 2000 years ago. Sandler explains how to apply these ancient military tactics in a modern business economy - to win every battle without waging war. Her fundamental philosophy is no war has been won without intelligence and never will. Wake Up or Die is a powerful, exceptionally written treatise on the use of Intelligence in business today. Sandler shares the "must haves" to thrive and grow, with actual stories of winners and losers. This book is for all decision makers who want to succeed in today's business world where "loss leaders" dominate, consumers hold all the power, and competition intensifies. Boldly said, Wake Up or Die goes where no one has dared to go and challenges every status quo. If you want to win business battles, Wake Up or Die will show you how. Sandler's frank and candid approach holds no bars; she believes the pendulum of the mind oscillates between intellect and ignorance, not between right and wrong.

Whether you're a retiree interested in protecting your assets, a business owner interested in saving taxes or a pre-retiree in need of a sound retirement income plan this book may have the answers you need NOW! The ultimate guide to protecting your nest egg from predatory estate and income taxes, volatile and unpredictable financial markets, and a navigational chart to steer your financial ship through these turbulent times to obtain the peace of mind that comes from a worry free retirement.

Problems seem to bother those the least that plan the most... Lying awake nights wondering if you'll run out of money before you run out of breath? That's the reality facing millions of Americans today in a rapidly aging society of economic instability, devastated nest eggs, skyrocketing healthcare costs and plummeting purchasing power. Is it possible to realistically plan for a comfortable retirement in these uncertain times? In a word, yes. Not only is it possible, but that's exactly what this book is about: How to create a retirement plan to support your lifestyle throughout your and your spouse's lives, then distribute your estate to your heirs in the most beneficial and tax-efficient way. Donald Moore, a preeminent retirement planner, has worked with hundreds of clients over many years to chart the right course for each individual and couple to achieve their retirement dreams. A veteran of the industry and one of the most successful retirement planners in the northwest Florida and southwest Alabama area, Moore can help you determine... ¿ Whether or not your assets areproperly positioned ¿ How much capital you'll need to produce a comfortable retirement income ¿ The kinds of savings and investments you'll need to achieve your goals ¿ How much you should set aside each month for savings and investments ¿ The kind of tax-advantaged investments best suited to your needs ¿ The monthly income your family will need in the event of your death ¿ The amount and type of life and disability insurance you need Take heart if you are among the nearly half of American workers today who have never tried to calculate how much money you'll need to live comfortably in retirement.

Don't get overwhelmed in your search for the right Martial Arts school. Go straight to the Master. There is no shortage of information out there about Martial Arts and the various styles. It's easy to get confused. But now, Martial Arts Unlocked separates the hype from the facts. It provides you with the best tools to choose the ideal Martial Arts program for your family. Master Joseph Ash, a martial artist and school owner with over 32 years of experience, breaks down the major types of Martial Arts schools. He gives an insider's look at how the Martial Arts business works and provides a punch list of musts for a high quality program. Written from the heart of a father, the spirit of a martial artist, and the mind of a business owner, Master Ash gives you a clear understanding of how to research, interview and select the best source of Martial Arts education for your family. Finding the right Martial Arts school is like finding another family. In today's fast paced world, we need an extra set of eyes on our kids, new outlooks for our future and a safe place where the whole family can reconnect in a quality activity. A professional Martial Arts school is the ideal support system that today's families desperately need. Have a question or would you like to learn more, contact Master Joseph B. Ash: martialartsunlocked.comJoin his blog at: martialartsunlocked.com/blog