Top 10 Books on Personal Finance

Top 10 Books on Personal Finance

Many people entering the work today are making money, but are struggling to manage it. For many, personal finance is a mystery. They struggle to understand the basic personal finance principals, concepts and ideas.

Are you one of those who are struggling to manage money? Then seek assistance from the experts in the field. Read their books and learn the basics of personal finance. Gain the knowledge of saving and compounding your wealth over a period of time.

Here is a list of top 10 books on 'Personal Finance' which will help you manage your finances in the right way.

• The Total Money Makeover: Dave Ramsey
Dave Ramsey gained popularity as the author of the best-selling book, 'The Total Money Makeover'. In this book, Dave provides simple personal finance advice on how to get out of debt, no matter how poor the situation is, by falsifying popular myths. He explains the concept very clearly using simple techniques, so that even a layman can understand and follow. The strategy involves how to pay-off debts by focusing on on paying-off small debts first, while paying only the minimum for all other debts.

• The Millionaire Next Door: Thomas Stanley
The best-selling book 'The Millionaire Next Door', authored by Thomas Stanley, identifies some common practices of Americans who have accumulated wealth. He says that most wealthy people do not live in Beverly Hills or on Park Avenue - they live next door. The author finds common connections among millionaires after conducting a survey on them in US He discovered that millionsaires 'live below their means' and this is the secret of becoming wealthy. The book "The Millionaire Next Door" examines both sides of wealth equation: saving money and earning money.

• Rich Dad, Poor Dad: Robert Kiyosaki
"Rich Dad, Poor Dad" covers Kiyosaki's philosophy and his relationship with money. The author has achieved his unique economic perspective from two different persons. The story is about two dads - one, the author's father, who was the superintendent of education in Hawaii, ended up dying penniless and the other is his best friend's father, who was a drop-out of school at age 13 and went to become one of the wealthiest men in Hawaii. Kiyosaki uses the story of these two men and their financial strategies which varied a lot. He illustrated the need of a new financial paradigm in order to achieve financial success in the new millennium.

• Your Money or Your Life: Vicki Robin and Joe Dominguez
This is one of the best personal finance books which focuses on how to gain control of your money and begin to make a life, instead of just making a living. The authors explain the concept of "time is money" in a very literal sense and how to transform your relationship with money and finally achieve financial independence. These authors encourage readers to sort out their priorities, cut expenses, and then to seek passive income and retire early in the pursuit of financial independence.

• The 9 Steps to Financial Freedom: Suze Orman
Ms. Orman, a former waitress and stockbroker turned personal-finance advisor, combined practical investment tips with more psychological advice in her first book "Financial freedom". This book teachers us how to approach money from a spiritual and emotional point of view. She advises people to do nine things in nine steps that are needed to attain financial freedom. She says, when we have power over our fears and anxieties, we have attained success to financial freedom.

• How to Get Out of Debt: Jerrold Mundis
"How to Get Out of Debt" provides step-by-step guide to getting out of debt once and for all. It is based on the proven techniques of National Debtor Anonymous Program. Jerrold Mundis was actually a debtor, and the story is based on his own experience. This book contains real tips and is based on real stories of people.

• Clark Howard's Living Large in Lean Times: Clark Howard
"Living Large in Lean Times" is a powerful guide to save money. The book covers everything from cell phones to student loans, coupon websites to mortgages, paying electric bills, and beyond. This book paves way to financial independence and wealth. It offers more than 250 tips on saving money.

• All Your Worth: Elizabeth Warren and Amelia Warren Tyagi
Warren and Tyagi will tell you the truth about money in this book. They show you how to balance your money, how to get out of debt, cover your bills etc. They make people learn how to balance money into three essential parts: 1) the Must-Haves (the bills you have to pay every month), 2) the Wants (some fun money for right now), and 3) your savings (to build a better tomorrow). They help you to get your finances on right track. Warren and Tyagi advice not to keep complicated budgets. In this book, they both simply show a whole new way of looking at money and yourself.

• After Shock: David Wiedemer
An aftershock helps you know how to protect and grow your assets before, during, and after the next global financial / economic crisis. Placing your cash in on the best new investment opportunities will make you know which jobs, careers, and business sectors will gain the most rather than lose when asset bubbles collapse around the world. The author says that for those who act quickly, there is still time to protect yourself, your family, and your business in the coming 'Aftershock'. So, this book shows you what to do right now to protect yourself from aftershock before it's too late.

• The Money Book for Young Fabulous and Broke: Suze Orman
Suze Orman, the world's most trusted expert on money matters advises on how to get out of generation's debt in her book "The Money Book for Young Fabulous and Broke". She depicts the specific financial reality that young people encounter today by credit card debt, student loans, credit scores, buying a first home, lack of insurance (such as auto, home, health) and the financial issues of the self-employed. She says that this generation should be aware of the urgent need to take the matter under their control.

We hope these books help you attain financial freedom.

How to Make Love to a Man in Bed - Sex Tips Every Woman Should Know

How to Make Love to a Man in Bed - Sex Tips Every Woman Should Know

Lately, your love life just isn't what you want it to be. You want to have an amazing sex life with your man and you want to make sure that not only are your needs being met in the bedroom, but that his are as well. You want to keep him happy and satisfied. You want to know how to make love to a man in bed to give him some of the greatest pleasure he has ever had.

Instead of wishing for a better sex life and a most exciting time in the bedroom, it is time that you made it happen. Now is the time to take the reigns and to really show your man what you are made of. Now is the time to learn how to make love to a man in bed with the help of these sex tips.

Most of the time, you leave it up to your man to initiate sex. That is something that needs to change now. Your guy wants to feel sexy and to feel desired as well. He wants to feel like you want him and the only way to do that is to show him. He wants you to have your hands on him and to not be able to take him off. By initiating sex, you make him feel special and this is a good first step.

As well, you should make love to him in a different sexual position. The missionary sure gets boring after a while and there is no room for further exploration of your bodies. If you switch up the sex position that you use, you offer him a different form of stimulation. The woman on top is always a very popular position for women who really want to blow their man's minds in the bedroom. Men love this position and if you truly want to make love to him, then you should actually make love to him.

The most important sex tip is to have fun. Your man doesn't want you to take things so seriously and to get upset if things go sour. Sex is fun and it should be fun. It is a time of bonding and creating more intimacy in your relationship. When you keep sex fun, you want to have more of it because you enjoy yourself more. As well, you want to explore more aspects of sex because you feel more comfortable about it. This is how you get in the right frame of mind to set your love life on fire and that is how you really make love to a man.

Importance of Computer Accessories

Importance of Computer Accessories

Computers have become really advanced with wide varieties of accessories attached to it. We can define an accessory as a device which is attached to a computer but is not a part of it. The functionality of an accessory depends on the computer it is attached to. A computer has to be equipped with all the necessary accessories in order to carry out all the tasks in more efficient way. There are two formats of accessories one is basic accessories and other is an advanced accessories.Basic accessories available are speakers, printers, scanners, UPS, surge protector, headsets, cases and covers, cleaning and repair kits etc. Advance computer accessories include webcam, microphones, gaming equipments, portable storage devices, CD and DVD recordable drives, network accessories, modem.

These computer accessories make each task very fast and easy for example if you have a personal printer connected to your PC then there is no need to go to any office to get the document printed. The most important computer device is the UPS (Uninterrupted Power Supply), it provides a continuous power supply to a computer so that no data should be lost. A Headset comes with a built-in microphone so you can not only listen to music but also make a call from your computer to other computer or phone. Webcam allows taking pictures or recording your video or can be used to have a live chat with anyone through internet.

Portable storage devices like USB flash drives can be used to transfer data. The capacity of these devices varies from 8 to 12 Gigabytes. Rewritable CDs and DVDs are also other source of transfering and storing data. If above devices are not enough for transferring data then we can also go for networking accessories such as LAN cables or modem. These networking devices can be used to transfer data within a Local Area Network or over internet.

Most of the laptops have built-in wireless internet which enables the traveler to access the internet while traveling. Important features of the mini laptops are the external monitor support and S video used to connect it to TV. A wireless laptop mouse is a great accessory. A desktop computer also comes in amazing all-in-one features which includes touch screen, Wi-Fi, color choices, built-in webcams, and TV tuners.

In order to buy a new desktop computer one needs to know that there are standard accessories which comes with the computer like speaker, keyboard, mouse, monitor. But there are some which has to be purchased separately like webcams, UPS, modem, external hard disk etc. But in case of a laptop, webcam, speakers etc comes as built-in devices. Other devices to be purchased are portable laptop desks to prevent laptop burn and provide comfortable working position. Universal Laptop power adapters, portable projector, mobile printers, wireless laptop mice, laptop speakers are some of the other computer accessories to be purchased while buying a laptop.

History of Baking

History of Baking

Baking has been many cultures' favorite technique for creating snacks, desserts, and accompaniments to meals for many years. Now, it is very well-known as the method for creating sweets and all sorts of wondrous mouthwatering pastries. In ancient history, the first evidence of baking occurred when humans took wild grass grains, soaked it in water, and mixed everything together, mashing it into a kind of broth-like paste. Then, the paste was cooked by pouring it onto a flat, hot rock, resulting in a bread-like substance. Later, this paste was roasted on hot embers, which made bread-making easier, as it could now be made anytime fire was created. Around 2500 BC, records show that the Egyptians already had bread, and may have actually learned the process from the Babylonians. The Greek Aristophanes, around 400 BC, also recorded information that showed that tortes with patterns and honey flans existed in Greek cuisine. Dispyrus was also created by the Greeks around that time and broadly popular; was a donut-like bread made from flour and honey and shaped in a ring; soaked in wine, it was ateen when hot.

In the Roman Empire, baking flourished wide. In about 300 BC, the pastry cook became an occupation for Romans (known as the pastillarium). This became a very highly respected profession because pastries were considered decadent, and Romans loved festivity and celebration. Thus, pastries were often cooked especially for large banquets, and any pastry cook who could invent new types of tasty treats, unseen at any other banquet, was very prized. Around 1 AD, there were more than three hundred pastry chefs in Rome alone, and Cato wrote about how they created all sorts of diverse foods, and flourished because of those foods. Cato speaks of an intense amount of bread; included among these are the libum (sacrificial cakes made with flour), placenta (groats and cress), spira (our modern day flour pretzels), scibilata (tortes), savaillum (sweet cake), and globus aprica (fritters). A great selection of these, with many different variations, different ingredients, and varied patterns, were often found at banquets and dining halls. To bake bread, the Romans used an oven with its own chimney and had grain mills to grind grain into flour.

Occasionally, because of Rome, the art of baking became widely known throughout Europe, and eventually spread to the eastern parts of Asia. Bakers often baked goods at home and then sold them in the streets-children loved their goods. In fact, this scene was so common that Rembrandt illustrated a work that depicted a pastry chef selling pancakes in the streets of Germany, and young children surrounding him, clamoring to get a sample. In London, pastry chef sold their goods in handcarts, which were very convenient shops on wheels. This way, they developed a system of "delivery" baked goods to people's households, and the demand for baked goods greatly increased as a result. Finally, in Paris, the first open-air café of baked goods was developed, and baking became an established art through the entire world.

5 Ways Retires Are Making Money

5 Ways Retires Are Making Money

Retirement is not the end of one's work. In fact, 7 out of 10 retirees still want to continue working years after their retirement, according to a recent study. One main reason why retirees work even after retirement is the need for money. They receive lower company pensions, there's the constant price hike on consumer goods and the world is experiencing economic downturns. During these situations, retirees really need to have additional income so they do not have to spend much from the money they have received as a retirement benefit.

While some retirees consider earning money as the main reason for working again, others want to work to stay physically active, keep social connections, stimulate their intellectual capacity and achieve a sense of purpose. With the help of retirement savings and Social Security, these retirees have more freedom to choose what work they want and make money dependent on what they can do.

Here are the top 5 ways retirees are making money:

Offering dog-walking services - Typically, young couples and other pet owners who have hectic full-time work and travel schedules can not take good care of their dogs. Pet-loving seniors take this opportunity to earn money by becoming dog-walkers for a day. Aside from helping them stay fit, this also allows them to get acquainted with others and establish friendships with other dog walkers.

For aspiring dog walkers, it's much better to undergo dog training or acquire credentials on pet care to impress potential clients. Not only does it help them in earning more money from offering a wide range of pet care services, it also lets them build a network for future clients.

Being a freelancer or a consultant - Regardless of the industry that they were previously in - be it marketing, video production, accounting, writing, engineering or teaching - seniors may turn their previous carers as a money-making instrument by doing freelance works or consulting jobs. One best way to start with this is by going back to their previous employers. They should make use of their past experiences and acquainted skills to provide professional help on the current employees of those companies.

This is also a good way for seniors to show that they still have what it takes to work in a corporate setting. Whether it's about answering sensitive questions, giving out professional advice to employees or providing feedback on new management systems and policies, seniors will surely have great time earning money because they have another chance to work with companies that have previously developed all their skills through the years .

Teaching or tutoring - In this present world where kids and teens have aggressive psychological behaviors towards life's stages, seniors who can do coaching, mentoring and teaching is in demand. This is the time when they can share their experience and expertise to the young ones. Of course, this should not be bound to doing full-time classroom teaching. Seniors can also do the following: work as part-timers in some literacy programs, act as substitute teachers, tutor kids in different subjects and train adults in using computer software or program.

Apart from subject areas, seniors can also teach other skills depending on their field of expertise such as fiber arts making, brewing beer, sewing garments or 3-D modeling. This goes to show that the opportunities are limitless when teaching or tutoring.

Writing or blogging contents - Seniors will always have thoughts to share the moment you ask them about something. This is because baby boomers, being in a particular industry for quite a while, generally have a lot of good stories to share and valuable pieces of advice to give on various topics like politics, religion, careers, life experiences and hobbies. It's just up to them how they would want to write the contents - either through pen and paper or via online using a computer.

Gardening - For seniors who have the passion for growing fruits and vegetables at the backyard, they can earn money by selling these fruits and vegetables at a nearby market. With this money-making hobby, higher production demands will also be possible depending on a specific season. For added income, retirees can also teach gardening to aspiring farmers and sell seeds to farmers.

These are the 5 ways retirees are making money. Although it may be difficult for seniors to constantly make time for something profitable and productive, what matters is that they still have the desire to do the things that really love.

2 Thrusting Techniques That Drive Her Wild in Bed

2 Thrusting Techniques That Drive Her Wild in Bed

This probably won't come as a surprise to you, but almost no guys take the time to think about the thrusting techniques they use during sex.

I remember when I was having sex, before I learned all the "cool tricks" and ways to give women multiple orgasms, I never used to think about my thrusting techniques.

And if I did somehow think about how I was thrusting I just assumed "it probably doesn't matter how i'm thrusting anyway"...

How wrong I was.

One of the things I discovered on my "journey" to becoming a great lover is that the thrusting techniques you use during sex can make the difference between her orgasming 3+ times or her feeling nothing.

So if you take nothing away from reading this but one thing then let it be this.

Experiment with different thrusting techniques every time you have sex.

As soon as you start consistently experimenting, suddenly you'll be shocked when you come across a few different thrusting techniques that drive her wild.

And as you keep experimenting you'll discover more and more great thrusting techniques, and eventually you'll have a nice collection of thrusting techniques you can pick from every time you have sex that you know will get her to orgasm.

Now let me get a bit clearer about what exactly I mean by "thrusting techniques that drive her wild".

Thrusting techniques are how you thrust your penis in and out during sex.

Most men opt for the fast, all in and all out approach with no change of rhythm, speed, depth or timing.

Here's where you can be different.

Start mixing up the rhythm, speed, depth and timing of your thrusting.

Go fast for a bit, then go slow for a bit.

Go deep for a bit, then shallow for a bit.

You get the idea.

But you can also get a bit more advanced than this...

So here are two examples of some slightly more advanced thrusting techniques you can try out or get ideas from...

1 - slowly increasing depth and speed

women love build-up, teasing and anticipation.

You sticking your "thing" in full depth as soon as you start sex is not any woman's idea of a good time (unless you've already got a history of raw physical attraction and exceptional pleasure giving, in which case you can break the rules now and again).

Like I said, women like to be teased.

So one great thrusting technique for this is to start off sex by entering your penis into her vagina at an absolute minimal depth and very slowly.

Then take it out again.

Then next time enter very slightly deeper and very slightly faster.

Then take it out again.

And repeat the process getting gradually deeper and faster.

Overall it's a fairly slow process and it should take several minutes until you're in full depth.

And because of all the teasing and anticipation you created, she'll appreciate your deep thrusting 10x more than if you started full depth straight away.

2 - slow and shallow with the occasional slow deep thrust

this is another great thrusting technique for getting her to appreciate your deep thrust.

If you do this right you can experience her gasp when you go in deep.

How this one works is pretty simple.

Most of the time you'll be thrusting very shallow, roughly an inch or two in depth.

Then every now and again, like once for every 10 shallow thrusts, perform a very slow thrust to full depth.

Because of the contrast to all the shallow thrusts she's just experienced she will love the feeling of you going in all the way.

It works great.

And remember to just go in deep once and then return to doing 10 or so shallow thrusts before going deep again.

So there you have it.

Two examples of different thrusting techniques.

There's an endless amount of ways you can vary your rhythm, speed, depth and timing while thrusting to create an incredible experience for her.

So get experimenting now.

Slow Computer Fix - How To Fix Your Slow Computer Without Calling a Technician

Slow Computer Fix - How To Fix Your Slow Computer Without Calling a Technician

Is your computer running really slow? Is it driving you mad? Unless you are very lucky it will happen to your computer sooner or later. What you do to fix this is very important, especially if your computer is infected with malware or has system errors and you need a slow computer fix.

Sometimes adware, malware and spyware try to install themselves as a normal program, but it will be something you have never heard of or may sound like a similar program to try to confuse you. If you are not sure remove it from your computer. Go to Add and Remove Programs in the Windows Control Panel and get rid of any programs you do not recognize or you are sure you did not install.

There are so many websites infected with malware and just visiting them can infect your computer. You do not even have to click on anything, they install without you even knowing, or trick you into installing spyware and this can cause your computer to crawl along and generate errors and you need to get rid of this malware to stop your computer running slow and to get a slow computer fix quickly.

Over 90% of these errors are caused by windows registry errors. The registry stores and updates information on every piece of software and hardware in your computer and if there are any errors in there windows will crash and keep generating errors and will slow down as well and leave you looking for a slow computer fix not knowing what is causing your problems when with a few minutes of your own time you can fix then yourself once you know what is causing them.

These errors can be scanned for and fixed with a system and registry scanner. The important thing here is to use a good scanner that will detect the errors quickly and fix them. This will not just scan for registry errors but a system and registry scanner will scan your computer for malware as well and other system errors, not just do a quick registry scan and leave half the problems there.

Once you remove these problems your computer will start quicker and run quicker and you will be safer and your personal data protected and there will be no errors that are about to cause your computer to crash. If your computer is running slow scan it now for a slow computer fix.