Your Money, Your Goals A financial empowerment toolkit for social services programs(pdf free download)

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Welcome to the Consumer Financial Protection
Bureau’s Your Money, Your Goals: A financial
empowerment toolkit for social services
programs! If you’re reading this, you are
probably a case manager, or you work with case
Finances affect nearly every aspect of life in the
United States. But many people feel overwhelmed
by their financial situations, and they don’t know
where to go for help. As a case manager, you’re in
a unique position to provide that help. Clients
already know you and trust you, and in many
cases, they’re already sharing financial and other
personal information with you. The financial
stresses your clients face may interfere with their
progress toward other goals, and providing
financial empowerment information and tools is
a natural extension of what you are already doing.

Why Great Leaders Don’t Take Yes for an Answer: Managing for Conflict and Consensus(pdf free download)

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Make better decisions! Michael A. Roberto will help you achieve deeper consensus, get past groupthink and “yes men,” and achieve superior results in every decision you make — especially your most complex and highest-stakes decisions! Roberto’s Why Great Leaders Don’t Take Yes for an Answer, Second Edition gives you a powerful framework for promoting honest, constructive dissent and skepticism; test your assumptions; more thoroughly and fairly considering “best alternatives”; crisply coming to closure; and aligning your entire organization behind the decision you make.

In this new edition, Roberto presents new cases from Google, Ford, and Intuit, and expands coverage to more deeply illuminate his decision-making approach. Offering both positive and negative examples, he presents a well rounded view of how to determine when ‘yes’ means ‘yes’, when it doesn’t, and what to do when it doesn’t. Throughout, Roberto demonstrates why “good process entails the astute management of the social, political and emotional aspects of decision making” — in other words, why effective leaders are well served by carefully “deciding how to decide.” You’ll learn how to:

Test and probe what your team really believes, and get the truth and candor you really need
Encourage constructive objections — and keep them constructive
Improve team management, mitigate risk, identify opportunities, and promote integrity
Build stronger commitment amongst the people who’ll implement your decisions

What is Internet Marketing Learn from the Web’s top entrepreneurs & small business owners (pdf free download)

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The absolute best way to learn how to grow a successful business is to pay attention to how the experts have done it before you. Internet Marketing for Business Answers, the Small Business Expert Interviews edition puts you into a private one-on-one session with over 16 of the most successful business owners and entrepreneurs on the Web.

Get a free copy of the audio book by visiting

Who is this book for?

  • You should read this book because it will help you generate more sales and leads
  • You should read this book because it will help you learn how to get more publicity for your brand
  • You should read this book because the people interviewed in this book have collectively over 150-years of experience dominating their industry and niche

And here’s the BIG reason. You should read this book because after you read it, you’re going to be excited, energized, amazed, and ready to run through a brick wall to implement the strategies and techniques and lessons you will have learned. Here’s a tip: Put your helmet on first. Those bricks are tough!

What’s in the book?

This book truly covers the vast expanse of Internet marketing from start to finish. The topics you will read and learn about include:

Word of mouth marketing
Customer service success secrets
Web broadcasting & podcasting techniques
Motivational & entrepreneurial startup tips
Book authoring & professional speaking tips
Niche publishing business case studies
Search engine marketing tactics
Business branding & tagline techniques
Affiliate marketing
Landing page optimization
Usability testing
Public relations
Pay per click strategies
Viral marketing techniques
Web video production & promotion
Sales & marketing success & case studies
Website copy writing & design
Much more

And remember, these business-changing tips and lessons are delivered to you from the mindset of a small business owner to the small business owner (you). Everything you will learn in this book is something you can take back to the office today and implement tomorrow, with minimal cost. And who doesn’t want that?

Wealth Without a Job: The Entrepreneur’s Guide to Freedom and Security beyond the 9 to 5 Lifestyle(pdf free download)

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This is a book about know-how.
If you are like most people, you have probably heard plenty of instructions. Your boss, your spouse and family members, church leaders, the advertising media, the government, and a wide variety of financial advisors continuously offer advice. A common characteristic of this advice is that it tells you what to do.
This book is different. It is our firm conviction that knowing how to do anything is the essential element. If you only know what to do but not how to do it, then you are left with trial and error as a method for accomplishment. Trial and error greatly increases the risk of doing anything new to the degree that many people accept the limitations of the status quo rather than risking the action to get the changes they want.
Entrepreneurship is not taught in the government-dominated education system or in private schools, either. For this reason, most entrepreneurs learn through baptism by fire—a method that can be both expensive and time-consuming. We don’t presume to know the exact business that is best for you. Instead, we will show you how to discover your true purpose so that you can choose a business that expresses your own values and calls forth your passion.
The difference in this book is that you learn how to do things from the inside out—not just what to do. We refer to this as the real interior decoration. We decorate our homes and our bodies in ways that

please us. Why not decorate your mind (your internal reality) in ways that please you? In ways that move you ahead, in ways that make your work more meaningful than merely making money, in ways that bring forth personal resources that you may not be aware of at this point?
We go beyond materialism in this book. Money can’t buy happiness. The paradox is that poverty surely produces unhappiness, anxiety, and dissatisfaction.
But we cover more than your personal psychology and mind-set. After reading this book, you will understand the fundamental structural changes that have occurred in the economy that have destroyed the once-common expectation that working for someone else offers the possibility of improving your standard of living and gaining financial security.
Earning the income you want from work you love: yes, that’s what you’ll learn to do in this book. Although it may seem a distant dream to you now, you will learn how to identify and then prosper at work that is an expression of your true purpose.
We have taught courses about earning the income you want from work you love in many parts of the world for quite some time. From this experience, we can anticipate some of the hesitations that you may have in using this material. Your mind may be saying something like “I never thought of myself as an entrepreneur or a business owner, so aren’t I just lying to myself by using this book?” This is an important question. Entrepreneurship is natural and instinctive. Most kids do not have to be told about earning money, and many spontaneously open lemonade stands. What you are really doing by using this material is returning to your instinctive method of earning an income. We know it is a lie that you must rely on a single source or a job for income. It is a big mistake to leave the decision of how much you are worth to a corporate or institutional bureaucracy. Most jobholders do not think about it this way, but in today’s job market, you are leaving even the decision of whether you get paid to your employer.

TRADING SYSTEMS AND MONEY MANAGEMENT: A Guide to Trading and Profiting in Any Market (The Irwin Trader’s Edge Series)(pdf free download)

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A Guide to Trading and Profiting in Any MarketThomas StridsmanWhile most trading books simply tack money management onto the end of the book as an afterthought, Trading Systems and Money Management recognizes the importance of proven money management principles to the success of a trading program.

This step-by-step guide shows how to use stops to improve profit taking and reduce losses, add filters such as moving averages and breakouts to improve entry and exit points, and practice basic money management techniques to improve the performance of any trading system.

Time Management Proven Techniques for Making Every Minute Count(pdf free download)

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Are you a slave to your to-do list? At the end of the day, is your list longer than when you started? Are you awash in a sea of sticky notes and memos?

Stop! Instead of listing your important tasks, schedule them with a start time and end time. This will help you create a mini-plan for each task, and a workable, productive agenda for your day.

This is just one tip from Time Management, Second Edition. And there’s more-a lot more. You’ll learn how to:
Distinguish between the important and the urgent
Say “No” and avoid time-wasting tasks
Delegate for greater productivity
Communicate more effectively
Understand the many time-management software programs available
Cope with stress

This book provides both a framework for building a personal time philosophy and the real-world tips and techniques for becoming more efficient and productive.

You have more time than you think. Time Management, Second Edition will help you find it.

Richard Walsh is a publishing professional who specializes in career books. He edits the annual National JobBank. He lives in Boston.

Time Management (The Brian Tracy Success Library) – American Management Association(pdf free download)

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It’s a simple equation–the better you use your time, the more you will accomplish, and the greater you will succeed. But the rollout of this basic theory isn’t so simple, is it? In Time Management, business author and success expert Brian Tracy says it is!In this indispensable, pocket-sized guide, Tracy reveals 21 proven time management techniques you can use immediately to gain two or more productive hours every day. Two or more! Every day!!By learning the strategies that Tracy himself has identified as the most effective and employed personally, readers having trouble fitting everything the day brings them inside a 24-hour window will learn how to:• Handle endless interruptions, meetings, emails, and phone calls • Identify your key result areas • Allocate enough time for top priority responsibilities • Batch similar tasks to preserve focus and make the most of each minute • Overcome procrastination • Determine what to delegate and what to eliminate • Utilize Program Evaluation and Review Techniques to work backward from the future . . . and ensure your most important goals are met • And moreFilled with Brian Tracy’s trademark wisdom, this invaluable, time-creating resource will help you get more done, in less time . . . and with much less stress.

The Ultimate Guide to Network Marketing: 37 Top Network Marketing Income-Earners Share Their Most Preciously Guarded Secrets to Building Extreme Wealth(pdf free download)

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Successful network marketing entrepreneurs share their secrets

In The Ultimate Guide to Network Marketing, network marketing guru Dr. Joe Rubino offers readers a wide variety of proven business-building techniques taken from many of the most successful network marketing leaders in the industry. Presenting a wide range of different perspectives and tactics, this comprehensive guide offers beginning network marketers and seasoned veterans alike all the specialized information and strategies they need to grow their business. Revealing a world of secrets it would take a lifetime in the industry to amass, the 37 contributors in this handy resource provide one-of-a-kind advice for building extreme wealth.

The Wealth and Poverty of Nations: Why Some Are So Rich and Some So Poor(pdf free download)

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“Readers cannot but be provoked and stimulated by this splendidly iconoclastic and refreshing book.” ―Andrew Porter, New York Times Book Review

The Wealth and Poverty of Nations is David S. Landes’s acclaimed, best-selling exploration of one of the most contentious and hotly debated questions of our time: Why do some nations achieve economic success while others remain mired in poverty? The answer, as Landes definitively illustrates, is a complex interplay of cultural mores and historical circumstance. Rich with anecdotal evidence, piercing analysis, and a truly astonishing range of erudition, The Wealth and Poverty of Nations is a “picture of enormous sweep and brilliant insight” (Kenneth Arrow) as well as one of the most audaciously ambitious works of history in decades.

The Small Business Bible(pdf free download)

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An updated third edition of the most comprehensive guide to small business success
Whether you’re a novice entrepreneur or a seasoned pro, The Small Business Bible offers you everything you need to know to build and grow your dream business. It shows you what really works (and what doesn’t!) and includes scores of tips, insider information, stories, and proven secrets of success. Even if you’ve run your own business for years, this handy guide keeps you up to date on the latest business and tech trends. This Third Edition includes entirely new chapters devoted to social media, mobility and apps, and new trends in online discounting and group buying that are vital to small business owners everywhere.

New chapters include:

How to use Facebook, Twitter, and other social media tools to engage customers and potential stakeholders
How to generate leads and win strategic partnerships with LinkedIn
How to employ videos and YouTube to further your brand
What you need to know about Groupon and group discount buying
What mobile marketing can do for your business
Give your small business its best shot by understanding the best and latest small business strategies, especially in this transformative and volatile period. The Small Business Bible offers every bit of information you’ll need to know to succeed.

The Psychology of Selling: Increase Your Sales Faster and Easier Than You Ever Thought Possible(pdf free download)

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Double and triple your sales—in any market.

The purpose of this book is to give you a series of ideas, methods, strategies, and techniques that you can use immediately to make more sales, faster and easier than ever before.

It’s a promise of prosperity that sales guru Brian Tracy has seen fulfilled again and again. More sales people have become millionaires as a result of listening to and applying his ideas than from any other sales training process ever developed.

The Portable MBA in Finance and Accounting, 3rd Edition(pdf free download)

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The latest volume in the bestselling series
In today’s business environment, a knowledge of finance and skills in budgeting and financial planning are more important than ever before. Totally updated and revised, this highly anticipated Third Edition provides new information on five such key topics as interpreting financial statements; information technology in finance; planning capital expenditures; information technology and your firm; business valuation, and much more. Top experts in each field explain the basics of cost-volume analysis, forecasts, and budgets, and reveal how to create a winning business plan. Ideal reading for any manager or executive who needs a “refresher course” in finance.

THE NLP WORKBOOK The Practical Guidebook to Achieving the Results You Want(pdf free download)

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A practical, creative guidebook to achieving the results you want using Neuro Linguistinc Programming techniques, now in e-book form.

Neuro-Linguistic Programming is based on the idea that the human mind is a sort of computer – our verbal and body language are the programmes which allow us to change our own thoughts and influence other people e.g. using body language and speech patterns to create instant rapport with someone else.

We already use such techniques on a sub-conscious level – NLP simply helps us crystalise what we already know. This work book is a basic, at-home NLP course, providing easy-to-follow exercises and reflections to which the reader can return time and again. It addresses topics such as How to Change Emotional State, the Power of Language and Getting Results, and can be applied to all kinds of different areas e.g. business, sport, health.

The NLP Workbook is designed to be a basic manual for the beginner in NLP, and also a clear and easy reference manual for practioners and trainers.

The Mind of the Buyer-A Psychology of Selling(pdf free download)

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“One of the most interesting and informative books dealing with the psychology of selling that I have read.” – Administration: The Journal of Business
“Cannot fail to give the practical salesman a clearer insight into the psychology on which his profession is based.” -The Magazine of Wall Street

Any seller who wishes to become successful must study the mind of the buyer, and Professor Harry Dexter Kitson’s 1922 book “The Mind of the Buyer” was written for everyone who is engaged in influencing men to buy. The scientific aspects of selling from the standpoint of the psychologist engaged in analysis of the underlying principles of action in the buyer’s mind are carefully laid down by Professor Kitson of Indiana University. His book is intended for the progressive sales correspondent, advertiser and salesman, who is interested more, now, in underlying laws than in the practical technique peculiar to his own field.

He treats psychology, not as the study of mysticism but as “the science which aims to describe and explain the conduct of living creatures.” He clearly shows the advantage of this science when backed by evidence from statistical studies, laboratory experiments, and historical research over the rule of thumb of some businessman.

The modern ideals of salesmanship are not neglected. “In the previous period it was customary to give the buyer as little as possible for his money. In the modern period the ideal is to give as much as possible.”

“Mere bald, brutal repetition goes far in attracting attention,” he says. “One explanation for this is the assertion by some psychologists that man is innately credulous, that he is inclined to accent as true every statement he hears. In the course of experience, however, the adult person develops inhibitions which make him sophisticated and resistant. To overcome this resistance requires considerable battering. Repetition also influences memory. “State the new in terms of the old.

The seller should study images and use only those which have pleasant associations. Though confidence is usually regarded as an intangible asset—it has a real existence; and its value may be reckoned in dollars and cents.

“Concentrate the attention of the buyer upon the one suggested idea. Do not merely endeavor to keep out of his mind any distracting ideas but go further and divert his attention from even his own mental processes. Keep him from being introspective. He should be oblivious to the fact that he is being suggested to.”

“The Mind of the Buyer,” will surely prove to be a valuable manual for all advertisers, buyers, and sellers.

About the author:

Harry Dexter Kitson, A.B., A.M., Ph.D., (1886 —1959) was a professor of Psychology in the Indiana University. He was a charter member of the American Psychological Association and a pioneer in the field of vocational guidance.

Other works by Kitson include:

“How to Use Your Mind,”
“The Scientific Study of the College Student,”
“The Psychology of Vocational Adjustment.”

The Mathematics of Money(pdf free download)

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ABOUT THIS BOOK: The Mathematics of Money (3rd edition) covers general financial principles and the mathematical tools needed to understand and make use of those principles. The Mathematics of Money is intended for use in college-level business and financial mathematics courses, and it does not assume that students have any particular level of math experience other than the ability to do basic arithmetic calculations with the aid of a calculator.


  • Chapter 1: Simple Interest
  • Chapter 2: Simple Discount
    -Chapter 3: Compound Interest
  • Chapter 4: Annuities
  • Chapter 5: Spreadsheets
  • Chapter 6: Business Investment
  • Chapter 7: Investments in Securities
  • Chapter 8: Retirement Plans
  • Chapter 9: Mathematics of Prices
  • Chapter 10: Taxes
  • Chapter 11: Personal Finance Topics
  • Chapter 12: International Business

The Leadership Training Activity Book:50 Exercises for Building Effective Leaders(pdf free download)

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“Leadership development is self-development. The quest for leadership is first an inner quest to discover who you are. That is clearly the premise of this wonderful collection of developmental activities. They guide learners on that fascinating journey of self-awareness and self-confidence that can only come from experiencing something in themselves for themselves.”– from the foreword by James M. Kouzes, co-author, The Leadership Challenge When it comes to preparing a new generation of leaders, trainers have their work cut out for them. In addition to being a critical competency in itself, the task of leadership necessarily involves mastering a whole host of other skills . . . and it’s up to you as a trainer to keep participants engaged and active throughout the learning process. The Leadership Training Activity Book is a collection of engaging, sure-fire exercises based on the best, most up-to-date learning theory for preparing the leaders of tomorrow. The book features easily adaptable modules designed for beginning to advanced skill levels, short or long sessions, and large or small groups. You’ll find the perfect training exercises to help new and experienced leaders improve their understanding of crucial topics such as: trust * values * networking * conflict resolution * diversity * negotiation * listening skills * mentoring * vision * communication * and more. The Leadership Training Activity Book provides trainers with a wide range of activities to help teach and apply the most critical leadership competencies participants need, enabling you to develop and liberate the leadership qualities learners already have within themselves. It is a unique collection of proven exercises that will elicit the best from those who wish to lead.

The Marketing Book 5th Edition(pdf free download)

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This fifth edition of the best-selling Marketing Book has been extensively updated to reflect changes and trends in current marketing thinking and practice.

Taking into account the emergence of new subjects and new authorities, Michael Baker has overhauled the contents and contributor lists of the previous edition to ensure this volume addresses all the necessary themes for the modern marketer.

In particular, the ‘Marketing Book’ now broaches the following ‘new’ topics:

  • Channel management – management of the supply chain
  • Customer Relationship Management
  • Direct marketing
  • E-marketing
  • Integrated marketing communications
  • measurement of marketing effectiveness
  • Postmodern and retro-marketing
  • Relationship marketing
  • Retailing

Like its predecessors, the ‘Marketing Book 5th edition’ is bursting with salient articles from some of the best known academics in the field. It amounts to an all-embracing one-volume companion to modern marketing thought, ideal for all students of marketing.

  • The authoritative reference source for marketers, now in its fifth edition
  • An overview of current thinking and practice, revised to reflect shifts in the marketing world
  • Seminal collection of articles by leading academics and practitioners

The Leadership Secrets of Billy Graham(pdf free download)

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A behind-the-scenes analysis of 21 essential leadership principles from the life of Billy Graham Billy Graham looms large as one of the twentieth century’s most influential and innovative leaders. Most people are unaware of his remarkable effectiveness as not only preacher and pastor, but as a CEO and a global leader as well. The Leadership Secrets of Billy Graham is full of transferable applications for leaders in the church, parachurch, academia, government, and business. Lively interviews with his closest associates illustrate 21 principles that have driven six decades of visionary impact. First-hand accounts reveal stories of courageous leadership and growth through painful lessons. Graham’s relentless application of core beliefs and leadership principles have resulted in, among many honors, being listed in Gallup’s ten ‘most admired men’ thirty times, more than anyone else. Time magazine named him one of the top ten leaders of the twentieth century. This book asks: How did this happen? What are the essentials he embraced to achieve such extraordinary results? What can we learn from him and apply to our own leadership roles? This book is dedicated to those readers . Who sense the pressing need in today’s world for inspired leadership . Who rise to leadership’s high calling and are willing to carry its weight . Who are determined to deepen and expand their capacities and effectiveness