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Imad Muratspahic

Credit Cards Explained

How credit card interest, APR, grace periods, and minimum payments work, plus how to use one without paying fees

Ross Chapman

Ryan Tafilowski

In the Daily Grind with God and for Others

Faithful Work

The Total Money Makeover

NEW YORK TIMES BESTSELLER -- A Trusted Plan for Becoming Debt-Free with Over 8 Million Copies Sold.Do you want to build a budget that actually works for you? Are you ready to transform your relationship with money? This New York Times bestseller has already helped millions of people just like you learn how to develop everyday money-saving habits with the help of America's favorite personal finance expert, Dave Ramsey.By now, you've already heard all of the nutty get-rich-quick schemes and the fiscal diet fads that leave you with a lot of quirky ideas but not a penny in your pocket. If you're tired of the lies and sick of the false promises, Dave is here to provide practical, long-term help. The Total Money Makeover is the simplest, most straightforward game plan for completely changing your finances. And, best of all, these principles are based on results, not pie-in-the-sky fantasies. This is the financial reset you've been looking for.The Total Money Makeover will give you the tools and the encouragement you need to: <ul><li>Design a sure-fire plan for paying off all debt--from your cars to your home and everything in between using the debt snowball method</li><li>Break bad habits and make lasting changes when it comes to your relationship with money</li><li>Recognize the 10 most dangerous money myths</li><li>Set aside enough money to pay for unexpected expenses and emergencies</li><li>Save enough money for your retirement</li><li>Live like no one else, so later you can LIVE (and GIVE) like no one else!</li></ul> This new edition of The Total Money Makeover includes new content that will help you tackle marriage conflict, college debt, and so much more.

NEW YORK TIMES&nbsp;BESTSELLER&nbsp;— A Trusted Plan for Becoming Debt-Free with Over 8 Million Copies Sold.Do you want to build a budget that actually works for you? Are you ready to transform your relationship with money? This New York Times bestseller has already helped millions of people just like you learn how to develop everyday money-saving habits with the help of America's favorite personal finance expert, Dave Ramsey.By now, you've already heard all of the nutty get-rich-quick schemes and the fiscal diet fads that leave you with a lot of quirky ideas but not a penny in your pocket. If you're tired of the lies and sick of the false promises, Dave is here to provide practical, long-term help. The Total Money Makeover is the simplest, most straightforward game plan for completely changing your finances. And, best of all, these principles are based on results, not pie-in-the-sky fantasies. This is the financial reset you've been looking for.The Total Money Makeover will give you the tools and the encouragement you need to:<ul><li>Design a sure-fire plan for paying off all debt--from your cars to your home and everything in between using the debt snowball method</li><li>Break bad habits and make lasting changes when it comes to your relationship with money</li><li>Recognize the 10 most dangerous money myths</li><li>Set aside enough money to pay for unexpected expenses and emergencies</li><li>Save enough money for your retirement</li><li>Live like no one else, so later you can LIVE (and GIVE) like no one else!</li></ul>&nbsp;This new edition of The Total Money Makeover includes new content that will help you tackle marriage conflict, college debt, and so much more.

A Proven Plan for Financial Peace

The Total Money Makeover Updated and Expanded

Compare Trade-Offs, Set Priorities, and Build Financial Resilience

Emergency Savings and Debt: Making a Practical Plan

A Percy the Park Keeper Story

A funny Percy the Park Keeper story from highly regarded, award-winning author and illustrator Nick Butterworth, creator of One Snowy Night.Percy the park keeper is looking forward to a good rest after a busy day, when peace is interrupted by a loud crash. The fox has come to ask for Percy's help and soon finds a most unusual cure for his hiccups...A funny Percy the Park Keeper story from award-winning author and illustrator Nick Butterworth.Percy and his animal friends have delighted readers around the world for over thirty years!

Fox’s Hiccups

Occupational Outlook

The Occupational Outlook Handbook (OOH) is the premier, nationally recognized source for career information. Especially designed to provide valuable up-to-date information, the Handbook is great for all individuals making decisions about their future including students about to graduate from high school or college, recent graduates, individuals returning to the workforce after an absence, or anyone looking for a career change. It has been used by millions since the 1940s.

Occupational Outlook Handbook, 2024-2034

Just as The Home Edit Life reassuringly told us that it's OK to own things, Stay Organized promises that it's OK to create a mess. When your systems are working, you'll be able to clean them up within 15 minutes. And as we've all learned over the last few years, maintenance is self-care. Our homes are critical to our mental health. When your systems work, you have more bandwidth. You don't have to start from a maxed-out place. Above all else, move forward feeling calm, collected, and confidently organized -with humor, relatability, and beautiful imagery. Stay Organized covers all kinds of topics related to maintenance, showing readers actionable ways to create systems in their own homes that will be easy to maintain for long-term success. Topics include: - How to get your household on board - Sharing spaces effectively - Household schedules - Maintenance as self-care - Inventory checklists - Checking in with your systems - Staying on top of incoming and outgoing items - Low-bar lifestyle goals for each space

The much-anticipated new book from the stars of Netflix's hit series, The Home Edit, answer their most commonly asked question: how to stay organized after getting organized?

The Ultimate Guide to Making Systems Stick - the New York Times bestseller

The Home Edit Stay Organized

Schriften des Instituts für Arbeits- und Wirtschaftsrecht der Universität zu Köln

Der EU-Gesetzgeber hat mit der Richtlinie 2041/2022 über angemessene Mindestlöhne in der Europäischen Union die Grenzen der sozialpolitischen Kompetenzen in bisher nicht gekannter Deutlichkeit herausgefordert. Art. 153 Abs. 5 AEUV entzieht dem EU-Gesetzgeber ausdrücklich die Kompetenz für das "Arbeitsentgelt". Vielfach wird die vor dem EuGH angefochtene (C-19/23) Mindestlohnrichtlinie als kompetenzwidrig angesehen. Vor dem Hintergrund dieses Kompetenzkonfliktes untersucht die Arbeit die Dogmatik der Bereichsausnahme für das "Arbeitsentgelt" in Art. 153 Abs. 5 AEUV und arbeitet dabei unter anderem deren Entstehungsgeschichte und Zwecke heraus. Die Arbeit zeigt auf, unter welchen Bedingungen eine EU-Mindestlohngesetzgebung kompetenzgemäß ist.

Der EU-Gesetzgeber hat mit der Richtlinie 2041/2022 über angemessene Mindestlöhne in der Europäischen Union die Grenzen der sozialpolitischen Kompetenzen in bisher nicht gekannter Deutlichkeit herausgefordert. Art. 153 Abs. 5 AEUV entzieht dem EU-Gesetzgeber ausdrücklich die Kompetenz für das „Arbeitsentgelt“. Vielfach wird die vor dem EuGH angefochtene (C-19/23) Mindestlohnrichtlinie als kompetenzwidrig angesehen. Vor dem Hintergrund dieses Kompetenzkonfliktes untersucht die Arbeit die Dogmatik der Bereichsausnahme für das „Arbeitsentgelt“ in Art. 153 Abs. 5 AEUV und arbeitet dabei unter anderem deren Entstehungsgeschichte und Zwecke heraus. Die Arbeit zeigt auf, unter welchen Bedingungen eine EU-Mindestlohngesetzgebung kompetenzgemäß ist.

Europäischer Mindestlohn


        &lt;p&gt;Der EU-Gesetzgeber hat mit der Richtlinie 2041/2022 über angemessene Mindestlöhne in der Europäischen Union die Grenzen der sozialpolitischen Kompetenzen in bisher nicht gekannter Deutlichkeit herausgefordert. Art. 153 Abs. 5 AEUV entzieht dem EU-Gesetzgeber ausdrücklich die Kompetenz für das „Arbeitsentgelt“. Vielfach wird die vor dem EuGH angefochtene (C-19/23) Mindestlohnrichtlinie als kompetenzwidrig angesehen. Vor dem Hintergrund dieses Kompetenzkonfliktes untersucht die Arbeit die Dogmatik der Bereichsausnahme für das „Arbeitsentgelt“ in Art. 153 Abs. 5 AEUV und arbeitet dabei unter anderem deren Entstehungsgeschichte und Zwecke heraus. Die Arbeit zeigt auf, unter welchen Bedingungen eine EU-Mindestlohngesetzgebung kompetenzgemäß ist.&lt;/p&gt;
      

Matthias Schmid

A Whole-Child Approach to Digital Wellness and Healthy Media Use"...a godsend for the parent whose child is glued to their smartphone or laptop." -Michael G. Thompson, Ph.D., psychologist, author of Raising CainIn this holistic approach, Dr. Michael Rich empowers you to guide your children toward smart and healthy digital choices with straightforward instructions and actionable advice that you can customize for your family's specific needs.Known as the "Mediatrician" due to his acclaimed work as a pediatrician, child health researcher, and children's media specialist, Dr. Rich presents a compassionate and realistic look at the reality of growing up in a screen-saturated world--and how you can help your kids emerge from a technology-rich environment as happy, well-informed, empathetic adults.Backed by scientific evidence and decades of professional and personal practice, The Mediatrican's Guide will give you the tools to: <ul><li>Combat toxic media influences and virtual addiction.</li><li>Train your family toward digital wellness.</li><li>Understand what your child is learning from media.</li><li>Rise above the anxiety of digital inundation and find a healthy, happy medium.</li></ul>"...offer[s] seasoned and sensible guardrails as we all enter this brave new world together." -Sanjay Gupta, Chief Medical Correspondent, CNN"...[A] thoughtful, timely, and entertaining overview of what it means to grow up immersed in a world of digital ubiquity." -John Battelle, Cofounder of WIRED

A Whole-Child Approach to Digital Wellness and Healthy Media Use"...a godsend for the parent whose child is glued to their smartphone or laptop." –Michael G. Thompson, Ph.D., psychologist, author of Raising CainIn this holistic approach, Dr. Michael Rich empowers you to guide your children toward smart and healthy digital choices with straightforward instructions and actionable advice that you can customize for your family's specific needs.Known as the "Mediatrician" due to his acclaimed work as a pediatrician, child health researcher, and children's media specialist, Dr. Rich presents a compassionate and realistic look at the reality of growing up in a screen-saturated world—and how you can help your kids emerge from a technology-rich environment as happy, well-informed, empathetic adults.Backed by scientific evidence and decades of professional and personal practice,&nbsp;The Mediatrican's Guide&nbsp;will give you the tools to:<ul><li>Combat toxic media influences and virtual addiction.</li><li>Train your family toward digital wellness.</li><li>Understand what your child is learning from media.</li><li>Rise above the anxiety of digital inundation and find a healthy, happy medium.</li></ul>"...offer[s] seasoned and sensible guardrails as we all enter this brave new world together." –Sanjay Gupta, Chief Medical Correspondent, CNN"…[A] thoughtful, timely, and entertaining overview of what it means to grow up immersed in a world of digital ubiquity." –John Battelle, Cofounder of WIRED&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

A Joyful Approach to Raising Healthy, Smart, Kind Kids in a Screen-Saturated World

The Mediatrician's Guide

A Better Way to Live Is Within ReachNumber one national bestselling author and trusted financial expert Anthony O'Neal provides the practical tools and everyday habits needed to build margin even if you're starting from zero. Drawing from his own story and years of coaching thousands toward financial freedom, Anthony shows you how to create real breathing room and finally take control of your money. Through simple, proven steps, you'll learn how to: <ul><li>Stabilize your finances and cast a vision for the goals that will guide you forward</li><li>Eliminate all consumer debt and regain control of your spending</li><li>Save three to six months of take-home pay and create habits that protect your progress</li><li>Invest with confidence so your money starts working harder than you do</li><li>Pay off your home, lock in your family's legacy, and start building wealth that blesses the people you love most</li></ul> If you're tired of the stress and exhaustion of barely getting by, this book offers a proven roadmap to break the cycle for good. You don't need more shame. You need a plan and someone to walk with you while you take the first step. This is your fresh start.

Financial expert and bestselling author Anthony O'Neal shows you how to break the cycle of living paycheck to paycheck with proven steps to stabilize your money, eliminate debt, and create lasting financial freedom.

The Proven Path to Break Free from Debt, Build Real Wealth, and Live Free on Any Income

Stop Living Paycheck to Paycheck

Breaking the Myths That Divide Us and Building a Fairer Workplace

What Equity Really Means

How to Protect Your Legal Share When a Stepparent, Sibling, or Trustee Pressures You to Sign a Release

Don't Sign Away Your Inheritance

Credit Cards Explained

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