Thursday, May 17, 2018

Ebook Download


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File Size: 1750 KB

Print Length: 23 pages

Publication Date: January 5, 2018

Sold by: Amazon Digital Services LLC

Language: English

ASIN: B078VCK75X

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#897,600 Paid in Kindle Store (See Top 100 Paid in Kindle Store)

I would not buy this. I have no idea the logically flow of the outline and what to read. It's a rip off

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Wednesday, May 16, 2018

Download PDF Magnificent Minds: 16 Pioneering Women in Science and Medicine, by Pendred Noyce


Download PDF Magnificent Minds: 16 Pioneering Women in Science and Medicine, by Pendred Noyce

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Magnificent Minds: 16 Pioneering Women in Science and Medicine, by Pendred Noyce

Magnificent Minds: 16 Pioneering Women in Science and Medicine, by Pendred Noyce


Magnificent Minds: 16 Pioneering Women in Science and Medicine, by Pendred Noyce


Download PDF Magnificent Minds: 16 Pioneering Women in Science and Medicine, by Pendred Noyce

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Magnificent Minds: 16 Pioneering Women in Science and Medicine, by Pendred Noyce

About the Author

Pendred (Penny) Noyce is a physician, advocate for science education, and mother of five. Her past books for children include the award-winning Lexicon series from Scarletta Press and several Galactic Academy of Science adventures with inset mini-biographies of scientists from Tumblehome Learning.

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Product details

Age Range: 12 and up

Grade Level: 7 - 9

Series: Magnificent Minds

Paperback: 180 pages

Publisher: Tumblehome Learning, Inc.; Reprint edition (September 1, 2016)

Language: English

ISBN-10: 1943431256

ISBN-13: 978-1943431250

Product Dimensions:

8 x 0.6 x 10 inches

Shipping Weight: 1.1 pounds (View shipping rates and policies)

Average Customer Review:

4.9 out of 5 stars

21 customer reviews

Amazon Best Sellers Rank:

#889,460 in Books (See Top 100 in Books)

Pendred Noyce has created a very inviting look into the historical world of women in science. Each woman contributed to her field against the greatest of odds. The paths that had to be single handedly forged by these pioneers was no small feat. As interesting a narrative as it is for the development of science I found it even more compelling as a voice for women's role in society. It paints a very clear picture of the systemic bias that is still evidenced in institutional sexism today.The is a must read foundation book for young men and women to begin to understand our society today. Great job, Pendred Noyce.

I appreciated the emphasis on studious preparation for work, how to obtain a mentor, traits to seek in a spouse who would be supportive.

Great book!

Got this for my scientist niece. Should be inspiring

"Why has woman passion, intellect, moral activity--these three--and a place in society where no one of the three can be exercised?" Florence Nightingale in "Cassandra"Florence Nightingale conjurers up an image of a compassionate woman tenderly caring for war wounded men. She is remembered as a nurse--a role consistent with social expectations of women as mothers and nurturers. We may know that she revolutionized hospital care and inspired the founding of the Red Cross, but how many of us know that she loved mathematics and employed statistics in her research and created pie charts for her reports? Or that 'Crimean fever' left her in extreme pain and often bedridden while she continued her crusade? Nightingale was the founder of modern nursing based on evidence and experience--and mathematics.Nightingale was selfless and devout, like the Victorian model of womanhood. But her brilliant mind and willingness to go into the filth and gore of the battlefield and hospital instead of expected marriage and motherhood set her apart as a 'remarkable woman'.Pendred Noyce's book Magnificent Minds:16 Remarkable Women in Science & Medicine considers women from across history whose curiosity drove them to achieve important advances in physics, astronomy, chemistry and medicine.The book is beautifully presented with an historical time-line for each woman, a concise biography including both her private life and career, illustrations, and side bar explanations. The achievements of each woman is understandably presented in context of their time and from a historical perspective.The women include:Louise Bourgeois Boursier, 1563-1626, France, Midwife Maria Cunitz, 1610-1664, Poland and Germany, Astronomer Marie Meurdrac, 1610-1680, France, Chemist Laura Bassi, 1711-1778, Italy, Physicist Augusta Ada Bryon, Countess Lovelace, 1815-1852, England, Computing Science Florence Nightingale, 1820-1910, England, Mathematics Mary Putman Jacobi, 1842-1906, United States, Medial Science Sophie Kovalevskaya,1850-1891, Russia, Mathematics Marie Sklodowska Curie, 1867-1934, Poland and France, Physics Lise Meitner, 1878-1968, Austria, Physics Emmy Noeher, 1882-1935, Germany, Mathematics Barbara McClintock, 1902-1992, United States, Medical Sciences Grace Murray Hopper, 1906-1992, United States, Computer Science Dorothy Crowfoot Hodgkin,1910-1994, England, Chemistry Chien-Shiung Wu, 1912-1997, China and the United States, Physics Gertrude B. Elion,1918-1999, United States, Chemistry Each loved a challenge and desperately wanted to work and contribute to improve society and expand our understanding of the world.I was kept interested throughout the book and it left me wanting to know more. Happily, the author includes a reading list so one can learn more about each woman. This is a wonderful book for classroom use or to share with young women to encourage their dreams.I received a free ebook through NetGalley in exchange for a fair and unbiased review.

It takes a little while for this book to get going -- the first 3 or 4 biographical sketches are about women so early in scientific history that there's not a whole lot of info about their lives and their science is incomplete (historical), so it's not included in great detail. But it warms up after that. The last few are very good, with excellent stories and better science.This is a visual book, laid out like a magazine. There are breakout boxes to explain historical contexts or scientific ideas. There are quote boxes. Lots of pictures. The language is very simple. I'm terrible at guessing these things, but I would say it's about a 7th or 8th grade level book. In any case it should be a straightforward, interesting read for young people (either male or female) interested in science. That being said, it is more of a history book than a science book. Just the intro to the science is included. But knowing about their lives is important. Very enjoyable, easy read.I got a free copy of an early ebook version of this book from NetGalley in exchange for an honest review.

I enjoyed this book (that I received for free as an advanced reader copy via Netgalley in exchange for an honest review). Author Pendred E. Noyce did a great job of showing the struggles 16 women went through in order to do their science. Noyce also successfully showed the women's places in chronology through the use of timelines. She also expanded on some of the science, but this is definitely not a book about science; it is about the women, who despite the obstacles, made great contributions to science. A companion volume, Remarkable Minds: 16 More Pioneering Women in Science and Medicine, is due to come out in August 2015. I look forward to seeing whom Noyce will profile in this volume.I recommend this book for anyone interested in the history of science and for anyone who wants to encourage girls or women to enter STEM fields. I also strongly recommend Rosalind Franklin: The Dark Lady of DNA (who is not included in this book) by Brenda Maddox and Dorothy Hodgkin: A Life by Georgina Ferry (who is included in the book).

I was offered this book for free in exchange for a review.In general, the book is very inspirational, particularly to women. I had learned about some of the women that are mentioned in the book back when I was in grade school. However, the book covers way more detail and interesting facts about even those women, so every chapter definitely had something new to offer. Besides, I feel that through the stories of these sixteen women in the fields of mathematics, physics, chemistry, astronomy, computer science and medicine, this book gets you inspired to dream big and make a difference in this world. I would definitely recommend this book to any girl or young woman who aspire to make a difference. I cannot wait for my ten year old daughter to read this book when she gets a little older.

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Sunday, May 13, 2018

Free Ebook The New Rules of Lifting for Life: An All-New Muscle-Building, Fat-Blasting Plan for Men and Women Who Want to Ace Their Midlife Exams, by Lou Schuler


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The New Rules of Lifting for Life: An All-New Muscle-Building, Fat-Blasting Plan for Men and Women Who Want to Ace Their Midlife Exams, by Lou Schuler

The New Rules of Lifting for Life: An All-New Muscle-Building, Fat-Blasting Plan for Men and Women Who Want to Ace Their Midlife Exams, by Lou Schuler


The New Rules of Lifting for Life: An All-New Muscle-Building, Fat-Blasting Plan for Men and Women Who Want to Ace Their Midlife Exams, by Lou Schuler


Free Ebook The New Rules of Lifting for Life: An All-New Muscle-Building, Fat-Blasting Plan for Men and Women Who Want to Ace Their Midlife Exams, by Lou Schuler

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The New Rules of Lifting for Life: An All-New Muscle-Building, Fat-Blasting Plan for Men and Women Who Want to Ace Their Midlife Exams, by Lou Schuler

Review

Praise for The New Rules of Abs: “There isn’t a single crunch or sit-up in The New Rules of Lifting for Abs. Instead, Schuler and Alwyn Cosgrove base their workout around planks and side planks…This isn’t a revolutionary concept among fitness professionals. But you’d never know it by watching what people in health clubs do.” —Yahoo Sports“All the crunches in the world won’t give you the six-pack you want. These exercises will.” —Men's Health “Cosgrove and Schuler’s groundbreaking program is based on the concept that a healthy, sculpted body is the result of your muscles working the way they were intended.” —Women's Health

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About the Author

Lou Schuler is a National Magazine Award–winning journalist, a certified strength and conditioning specialist, and the author of several popular fitness titles. He lives in Allentown, Pennsylvania, with his wife and children. Alwyn Cosgrove is co-owner, with his wife, Rachael, of Results Fitness in Newhall, California.

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Product details

Paperback: 320 pages

Publisher: Avery; 1 edition (December 31, 2012)

Language: English

ISBN-10: 1583335137

ISBN-13: 978-1583335130

Product Dimensions:

7.3 x 0.7 x 9.2 inches

Shipping Weight: 1.1 pounds (View shipping rates and policies)

Average Customer Review:

4.1 out of 5 stars

94 customer reviews

Amazon Best Sellers Rank:

#170,345 in Books (See Top 100 in Books)

New Rules Of Lifting for Life is practical fitness programming for either the newcomer to resistance training, or the experienced lifter interested in bettering their health and physique into their 50s and beyond. It frankly addresses the realities of the middle-aged body.Written in conversational style, NROL for Life is an engaging, quick read. It includes dozens of clearly described, photographed exercises, and a template to individualize workouts using fundamentals outlined by two experts of the fitness industry.I’ve read it twice… it’s already become a shelf reference.

Long time CrossFitter.. I came to the conclusion that CrossFit is more a kin to exercise than it is to training with it's random workout programming. I wanted a more structured format that I could do in my home gym, that retained the CF combination of strength, power and endurance in each workout.New Rules of Lifting is it. It focuses on functional strength and power. Each workout closes with a metabolic session. There are numerous moves to choose from and if you are fluent in exercise moves, you can easily substitute.Well written. Easy to navigate for reference. It's a great blend of CrossFit and traditional strength training..No fluff.

I picked up the latest "supercharge" version of the NROL for Life at the public library by chance and began reading and following the workout schedule and really liked it. I was going buy that one, but others reviewers said this is just as good but at 1/2 the price, I gave it a try. I like it as much if not better than the newer one, so I'm glad I bought this version. At 53, this has excellent routines and exercises that are just right to give me practical workouts that are beneficial and realistic. I also enjoy the exercise routine I'm doing now so it helps me to keep on it.

Really interesting approach to fitness. The assessment reminds me of Framework and The Men's Health Better Body Book; find out where you are, evaluate weaknesses, then a (unique) stepwise exercise plan. Not really simple, but looks easy to follow (have had for a few days only). I'm somewhat older, but enjoy the gym, and more than ever realize the need to preserve/increase strength, muscle, and balance (there is a strong emphasis on strength exercises with a balance component, but nut just BOSU/balance ball exercises, but more functional ones); this looks like a great approach. Wide variety of exercises, most have about five degrees of difficulty, working up throught each cycle, but allowing you to start higher if appropriate.

New Rules of Lifting for Life by Lou Schuler and Alwyn CosgroveReview by Dan Sabin ISSA-CFTLou Schuler is entertaining and very knowledgeable. Alwyn Cosgrove is a genius. Together, they are a perfect team only exceeded by the combination of Alwyn and Rachel Cosgrove and their work at Results Fitness. That said, I am 22 years old. The New Rules of Lifting for Life was not written for me and, while I know what Lou says is true about getting older, a small voice in my head kept saying "That won't happen to you." As a trainer myself, I learned a lot of useful information that will help me understand my middle aged clients better. Alwyn's programs and methods are the best, and that is why I base a lot of my training system on his work.If you don't like reading fitness books because you find them dull, then you'll love this book. Lou is a great writer and one of the few who do a good job of entertaining you while teaching you something.If your current program isn't getting you the results you want, then give Alwyn's programs a try. He is one of the best in the country.Prepare to push yourself though, they don't promise magic results with little work. They promise real results with hard work and persistence.

I am using this with the help of my son, who is a personal trainer. He helps me plan the workouts and I have a reference on how to do the exercises. I would not easily be able make my own workouts, but its a great book for anyone who works with a personal trainer. Helps be able to do good workouts at home.

I have maintained a vigorous exercise regime for years and am a former tri-athlete; however, started incurring a string of exercise related injuries around my mid 40’s including shoulder surgery. The program in New Rules of Lifting for Life is very challenging yet provides a variety of suggested exercises and other tips that keep the workouts interesting and injury free. The exercises emphasize balance and core-strength versus maximizing your bench press or squat and the routine changes almost constantly which stimulates the body’s response. Best of all, pictures my wife took of me boating around the time I started the routine and again three months later clearly show slimming and improved muscle tone.I recently purchased the book as a gift for my sister, a recent cancer survivor, and for my brother who is now in his early 40’s. I recommend the book for anyone over 40 years old who wants a vigorous work out.

It's findable online, but definitely download the available sheets that let you fill in the workouts (so you aren't constantly reprinting the warm ups, etc.) This way your work time is spent on working OUT and not on getting your workout into a format to take to the gym. But I've seen huge gains in the 6 weeks and am really pleased to continue. I expect to want new and different challenges, but this beginner has seen a huge change in a short time, which is really motivating.

The New Rules of Lifting for Life: An All-New Muscle-Building, Fat-Blasting Plan for Men and Women Who Want to Ace Their Midlife Exams, by Lou Schuler PDF
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Friday, May 4, 2018

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Product details

File Size: 7082 KB

Print Length: 226 pages

Simultaneous Device Usage: Unlimited

Publisher: O'Reilly Media; 2 edition (October 16, 2014)

Publication Date: October 16, 2014

Sold by: Amazon Digital Services LLC

Language: English

ASIN: B00OL084UI

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Amazon Best Sellers Rank:

#134,623 Paid in Kindle Store (See Top 100 Paid in Kindle Store)

I love this book. Not only does it illustrate the concepts well, but it's well-written (funny even) and very concise and informative. I bought it to review stats concepts and see the python programming examples, but I think it could serve as a first/ introduction to stats book as well. The author has a wonderful ability to really distill information and teach via examples. This book served me well and I still use it as a reference all the time.

I really liked this book. The author did a really good job. It's a mixture of Python and statistics so some previous background in both will allowing you to benefit entirely from reading this book. Especially prior experience with Python will help you understand the code used by the author, as it is not a simple one. He often uses wrapper functions and class inheritance, so if this doesn't ring a bell, I suggest learning a bit of Python first. Otherwise you can skip the programming parts, but I think you will lose a large part of the book's value.Statistics here is more basic than Python code, for sure. But it does serve well as a introduction to statistical analysis. A software developer wanting to start learning statistics is probably a good candidate for this book. But not the other way around. After reading it I think I still prefer to use R to generate probability density plot, than Python.Anyway, it is almost a must read for anyone on their patch to data scientist career. It not long or super expensive, so if you are interested in stats and Python, just read it.

This book is a great introduction to statistics for any person with basic programming skills. The main issue, when you tackle any math-heavy stuff - is that you are bombarded with a huge amount of formulas, but can't "feel" the practical side of the subject.In this book, you have a simple way to practically and swiftly try each new concept through Jupyter Notebook interactive examples. Transform the data, draw a chart - observe results. The fastest feedback loop you can get learning any math stuff.If you want to get the best results from the book, spend some time and setup Jupyter Notebook, or just run them directly in Google Collab service. Just reading the book without practically running all the examples just a waste of time.

I didn't read the description carefully and didn't realize this was geared for Python programmers, which I'm not. While it seems to have a good discussion of statistical comments, the fact that all examples are in Python limits its usefulness to those not familiar with the language.

What I like about Think Stats is that it is direct and to the point. It includes a case study that runs through the book and works on data available online. It provides a great starting point for exploring once you see how the given examples work. Each chapter has a handful of exercises that can get you started if you aren't sure what to do next. Downey has an easy style of writing and finds the fine line between enough information and too many details. That said, this book might be a bit thin if you don't have any experience with statistics or have access to a mentor.Keeping in mind the that the book is a focused overview, it certainly supports the programmer who is looking for hands-on examples but I believe it also is useful for the non-programmer that needs a quick understanding of the core concepts. They may not be able to do the calculations but they will be able to participate in a conversation.As it's concise and has active examples, the book would be a great supporting text for a course that requires assumes some statistics experience but doesn't need the overhead of a full-blown stats book. As I have mentioned in other reviews, this book is a good addition to the O'Reilly collection of books on data mining - Segaran's Programming Collective Intelligence: Building Smart Web 2.0 Applications, Russell's Mining the Social Web: Analyzing Data from Facebook, Twitter, LinkedIn, and Other Social Media Sites, and Janert's Data Analysis with Open Source Tools.

I was disappointed by this book. It purports to present stats in the Python environment, as a starter for people who are light in stats and heavy in Python. It's a thin book, but that would be fine if it delivered on its premise. The data he uses is not obtainable by a quoted link and the code in the book amounts, over many pages, to under 100 lines of Python. The statistics are bare-bones definitions that are quite well covered, better covered, in other books.I was especially interested in the book because he promised to make some of the arduous formulae more understandable in the prospect of code. No code for those parts though.

This is such an awesome book. The code Downey includes with the book is worth the price of the book.

Very accessible presentation of stats fundamentals and how to apply them. The accompanying thinkstats2 and thinkplot libraries are a common go-to tool for my work.

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Monday, April 23, 2018

Free Download Sugar Blues


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Sugar Blues

Sugar Blues


Sugar Blues


Free Download Sugar Blues

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After getting this publication somehow, you will certainly see just how this book is really vital for you. It is not only for obtaining the encouraged books to create but also the fantastic lessons as well as impacts of the book. When you truly love to check out, attempt Sugar Blues currently as well as review it. You will certainly never ever be regret after getting this book. It will certainly reveal you and also direct you to get better lesson.

Sugar Blues

Product details

Mass Market Paperback: 256 pages

Publisher: Grand Central Life & Style; Reissue edition (March 17, 1986)

Language: English

ISBN-10: 0446343129

ISBN-13: 978-0446343121

Product Dimensions:

4.2 x 0.8 x 6.8 inches

Shipping Weight: 6.4 ounces (View shipping rates and policies)

Average Customer Review:

4.5 out of 5 stars

329 customer reviews

Amazon Best Sellers Rank:

#23,105 in Books (See Top 100 in Books)

This is one of the best books of any kind I have ever read. I am going to re-read ,which I seldom do. Loads of historical info that still seems up to date because nothing has changed in all these years.It is not Obama, the Republicans, global warming, aliens, or even war that will end the American society as we know it. It is our crappy food sources that are forced on us. At the head of the list is Sugar.

SPOILER ALERT: sugar is bad for you and you shouldn't eat it.If you want more detail on why, and some of the politics and interests that want you to eat it anyway, read this book. If you want more motivation to quit sugar, read this book. If you already have enough discipline and good habits to avoid sugar all the time then skip the book and do something fun instead, you got the message.

There have been “groundbreaking” books warning of the perils of sugar going back to the beginnings of the sugar trade. While Dufty’s work may have been an important sounding of the alarm for his era, I find his overblown writing style and tendency to exaggerate sophomoric and off-putting. He did some good research; it’s too bad he couldn’t just let it speak for itself. Instead, he insists on drawing spurious connections that simply are not warranted by the facts. Luckily, more recent authors have done much better by the research. I prefer the likes of Gary Taubes, a science writer with genuine journalistic chops who sticks to facts and avoids hyperbole. But I guess this book was good for its time.

I cannot remember how I came across this book but I heard someone mention it and was strongly urged within, to follow the advice and order a used copy actually which is something I like to do! It has been one of the BEST purchases I have ever made. I am still reading it but my jaw is on the floor all the way through and now I realize why I have had such a HARD TIME in this life staying 'happy'. Sugar, especially refined, complex, crystallized ACIDIC sugar is the biggest killer there is, beyond Heroin says the author William Dufty, who was married to the film actress Gloria Swanson who was quite the Health Coach even back in the day as they say. This book has CHANGED MY LIFE. I highly recommend it for the fascinating details it goes in to regarding how sugar is in nearly everything and that DIABETES can be cured by NOT TOUCHING IT - EVER! I have learned my lesson through pain and trial. So glad to have found such a golden nugget that has changed my life over night like this! :)

Over the past few years I have done everything that I could to make my family healthy. We watch what we eat, we exercise, and we do everything that the doctor and the medical establishment tells us to do. But it wasn't working. No matter how much I counted calories, worked out, and obsessed about food, I could not stop gaining weight. Two years ago I stopped drinking soda cold-turkey and within two weeks I lost 14lbs. The longer that I was off of soda the less I wanted it, and when I allowed myself to "cheat" and have one, it tasted terrible, it tasted like chemicals. I couldn't believe that I had been drinking that since I was a teenager. BUT the more that I didn't drink soda, the more it seemed that I craved chocolate. I thought it was ok, I was losing weight, to allow myself some chocolate, but the more I had, the more I wanted. Now, thanks to this book, I understand why. Sugar is a danger. NOT bad for us, but a real danger. It's terrifying, and you can read this and go on to do your own research on what he says, I always do more research before I really believe. This is an important book. VITAL.

i love this book. it was suggested to me from a friend, and it has changed my perspective. i am now trying to curb my sugar addiction.

While the book is old, the logic and science is still sound. Also, as a history nerd, this provides a huge section on the social and cultural history of sugar. Overall a great read, and well worth investigating if you have any issues with mood swings/ depression, etc. I cut out all sugar (except sugar naturally found in fruit) and artificial sweetener and literally within days saw a drastic improvement in my moodiness.

A book I read 1st back in the '70s, and have believed in it's message ever since. Rereading it only increased my belief in the message that processed sugar is to be avoided at all costs.

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Thursday, April 19, 2018

PDF Download A Secret Gift: How One Man's Kindness--and a Trove of Letters--Revealed the Hidden History of t he Great Depression, by Ted Gup


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A Secret Gift: How One Man's Kindness--and a Trove of Letters--Revealed the Hidden History of t he Great Depression, by Ted Gup

A Secret Gift: How One Man's Kindness--and a Trove of Letters--Revealed the Hidden History of t he Great Depression, by Ted Gup


A Secret Gift: How One Man's Kindness--and a Trove of Letters--Revealed the Hidden History of t he Great Depression, by Ted Gup


PDF Download A Secret Gift: How One Man's Kindness--and a Trove of Letters--Revealed the Hidden History of t he Great Depression, by Ted Gup

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A Secret Gift: How One Man's Kindness--and a Trove of Letters--Revealed the Hidden History of t he Great Depression, by Ted Gup

About the Author

Ted Gup is the author of the bestseller The Book of Honor and of Nation of Secrets. He is a professor and chair of the journalism department at Emerson College. A former investigative reporter for The Washington Post and Time, he has also written for The New York Times, Newsweek, GQ, Slate, and Salon.com.

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Product details

Paperback: 384 pages

Publisher: Penguin Books; Revised edition (October 25, 2011)

Language: English

ISBN-10: 9780143120001

ISBN-13: 978-0143120001

ASIN: 014312000X

Product Dimensions:

5.2 x 0.9 x 8 inches

Shipping Weight: 11.2 ounces (View shipping rates and policies)

Average Customer Review:

4.3 out of 5 stars

180 customer reviews

Amazon Best Sellers Rank:

#557,167 in Books (See Top 100 in Books)

I've long had a keen interest in The Great Depression. I saw the effects of it in the lives of my grandparents and parents and was always curious about why they did some of the things they did. Why did they horde things? Save things that to me seemed useless? Why did my grandparents keep their money in cash at home? Why wouldn't they talk about the Depression when I asked about it?When I read this well-written, eloquent book, it brought tears to my eyes. And, I'm not a woman given to tears. Author Ted Gup takes us back to a time that is, in many ways, being repeated even now. So, it's timely. And yet, it's history. A moving, terrible history. It's hard to read about it. It must have been total hell to live it.Gup interviewed about five hundred descendants --- "many of them multiple times."There are many books written about the Depression economy. We've tried to learn what happened to cause the Depression and who or what caused it to finally lift. Though we still don't really have all those answers, we do have the opportunity to study it.But the people who suffered through it are not in those books for the most part. In this book, however, they're the stars. We feel their suffering and understand why a generation was like it was and how it produced yet another generation that was similar.But it's more than even that. It's a mystery. The author discovers his own grandfather was the mystery-giver of $750 in anonymous money given in $5 checks in 1933.Why did his grandfather, Sam Stone, do it? And why did he choose to be anonymous and indeed was for 75 years? The author didn't find all the answers but he found many that surprised even him. He found out things about his grandfather he never knew."For one moment, in one forgotten town, one man managed to shrink the vastness of the Depression to a human scale," he says.The money was given to white collar people. As one letter writer said in his gracious thank you letter to the giver, "Most people don't think about us." In other words, we worry about those who are always poor but we think little of those who worked hard to build something and then in the wink of an eye lost it all. Those who went from prosperity to poverty thanks to the Depression that engulfed the world in the thirties.The Depression hit white collar people hard. Perhaps because they had gotten so high and the fall was further and harder. Some recovered. Others never did.About those tragic days, the son of a woman who lived through the Depression said, "There was a loss of confidence. For her, the good times were wonderful, then all hell broke out. Friends of hers said she had been full of pep and vigor. I didn't know her that way at all, so I think it probably did a job on her. It crushed her a little."My guess is it crushed her a lot. It probably took her spirit.Stone invited people to write to him and tell him about their experiences. He wanted to know how the people felt. He offered them the opportunity to express their sorrow and sadness. And they needed that more than even the money in many ways. They didn't talk to anyone about their hardship. Not even their spouses. So to be able to write it all out was a gift to them.There was a sense of shame, embarrassment. And the white collar people felt that perhaps more than others because their fall was so public. They were pillars of the community.They didn't want the dole. They wanted work. They would do any job."In the wasteland of the Depression, when men rarely felt free to truly open up to one another and share their doubts, Sam Stone had created a rare comfort zone. Those who had long guarded their feelings could finally release them without fear of disappointing others or humiliating themselves," the author says.Of course, the money was a true blessing because in those days $5 was equal to $100 today.The author writes with great compassion and understanding. He brings The Great Depression to life. My own grandparents were middle age people with children during the Depression. My parents were adolescents and then teens during that decade. I was born into prosperity. And those younger than me have known nothing but prosperity. It would be well for us all to visit our roots.I felt ashamed and saddened at comments I made to my mother for saving things she never used. To me that was senseless. Now I see why she did it and I'm sorry for my thoughtless comments to her. I wish I could tell her.Sometimes it takes a book like this one to give us the gift of seeing life through the eyes of others. In that sense, the author's grandfather's gift is still giving through this wonderful book and these precious stories. And as countless homes are being repossessed and people are hurting, people losing jobs and security, it may be the best time for this special gift.The author tells us, "As Sam Stone himself learned more than once, the bright line that separated the favored class from those below them could dissolve almost overnight, exposing the fragile divide between the haves and have-nots."Why did Sam Stone give this gift? What was his secret past? You'll have to read the book to find out. It's a book you will love and from which you'll gain an entirely new appreciation for one, perhaps two misunderstood generations.Highly recommended.-- Susanna K. Hutcheson

Sam Stone's grandson discovered Sam had been an anonymous donor of five dollar checks to some of the most needy people in Canton, Ohio in 1933. This is a true detective story. This is the exactly right time to tell the story.Imagine for a moment working hard, paying bills promptly, and putting money regularly into the savings bank. Then suddenly you lost your job. There was no unemployment insurance. You go to the bank and find it closed with all your savings gone. There is no FDIC. You try to sell your belongings. Sometimes this will feed the family for a while. Once your furniture is gone, and your house repossessed, and you are living as a whole family without heat or a bed in a room somewhere. Five dollars sometimes gave people enough hope to save them from suicide. Sometimes it meant an orange and a pair of shoes.Ted Gup found descendants of the people his grand father had helped. He even found one still living who could remember the help. He followed up every one of his grandfather's checks, a tremendous task in itself.But equally important he learned that his generous life affirming grandfather was an illegal alien who loved his adopted country with fear and passion.This is an elegant book that bring to life early 20th century history. Read it please, and be glad for our safety nets no matter how inadequate they may be. It was once so much worse.

An ad in the paper under a fictitious name reaches out to help the most needy of Canton, Ohio in 1933. When the deed is done, the remains of the act of generosity is locked in a suitcase and relegated to a dusty attic. Generations later the suitcase is handed off to a grandson who just happens to be an investigative journalist. In his hands it becomes an illuminating insight into the Great Depression. Fascinating!

Over many years, I've read a lot of books on the Great Depression and the struggles of The New Deal to come to grips with it. Because my family, thankfully, was not impacted by the depression, I realize that it has been hard really to put myself in the shoes of those folk who endured. As time goes by, every reader will be in this mode. This book performs the unique service {wrapped in a riveting personal story of Ted Gup's grandfather} of giving us a lens into how a good many people suffered and what desperate need they were in. This book tells, in the briefest of fashion, how it was for a person to be at the end of their tether. A meager "lifeboat" of $5 was hardly "chump change" to the desperate people who responded to the unique advertisement placed by the author's grandfather. In this day and age can we possibly either grasp or empathize with this situation which played out across America? We need to. Read this book.

A Secret Gift is such a well-written book, it reads so smoothly. That's one of my priorities is how well a book reads. Beyond that it is so much more, it brings the sometimes-forgotten past to life. I recall my Mother talking about the depression era. This book opens that door again and shares memories and brings back memories long ago told. I like the way the letters and the memories all fit together to remind us of how difficult it must have been, nearly impossible, but how they managed to get through some very difficult and sad times. The story is linked to Christmastime, which must have been even worse, but there is one hope, an ad in the paper might just be what would save a family -- or more than one family.Thank you to the author for so artfully sharing this true story. I do totally recommend reading this book,

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Wednesday, March 21, 2018

Download The Power of Zero, Revised and Updated


Download The Power of Zero, Revised and Updated

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The Power of Zero, Revised and Updated


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Audible Audiobook

Listening Length: 3 hours and 48 minutes

Program Type: Audiobook

Version: Unabridged

Publisher: Random House Audio

Audible.com Release Date: September 4, 2018

Whispersync for Voice: Ready

Language: English, English

ASIN: B07G8J4BNV

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There’s no way the average consumer can understand a LIRP. They are way too complex and convoluted so you can’t determine the true costs. That’s why insurance salesmen have to SELL it to you. His taxable bucket strategy doesn’t even discuss the HUGE tax advantages of long term capital gains. Probably because it competes with his LIRP he wants to sell you. I’ll give you the choice of following this “expert” or Warren Buffet. Warren says put your money in a passive S&P 500 index ETF and don’t take it out until you need it decades later for retirement. Even though we do this in a taxable account all gains are deferred just like a traditional IRA, but ONLY the gains are taxable when you take it out. Remember that taxable accounts also have no contribution limits, no RMDs, no 59 1/2 penalty, you can harvest tax losses, you can sell via tax lots. Since this “expert” gets to cherrypick his tax situations I will do the same. Invest your money in a taxable S&P 500 index ETF like Vanguard VOO which has an expense ratio of .04% which is almost 38 times less than the “experts” 1.5% fee for his LIRP. Over decades and using compounding this alone will result in HUGE savings. Do NOT use a mutual fund because they distribute capital gains at the end of each year. Only use an ETF in your taxable account. Dividends from this ETF will be taxable each year, but they are only 1.85% and are qualified so they are taxed at 0% or 15% depending on your tax bracket. Here’s one example of how you avoid all the long term capital gains in this taxable account resulting in 0% tax rate. You retire at 62 and you don’t have any earnings. You defer taking Social Security until 70 resulting in maximum benefits. You live off your taxable account resulting in long term capital gains. You sell via tax lots so you can determine exactly the amount of your long term capital gains. If you file married filing jointly you can sell $101,200 worth of long term capital gains resulting in 0% tax rate! Notice I did not say you sell $101,200 worth of the ETF. You sell as much of the ETF via tax lot that results in$101,200 worth of long term capital gains. As an example $200,000 of the ETF may result in $101,200 of long term capital gains so in reality you will be selling $200,000 and not $101,200 of your ETF. This example assumes the only taxable income you have comes from this taxable account. At age 65 your standard deduction goes up by $1300 so if you both turn 65 you can do $103,800 of long term capital gains. Even if you exceed these amounts you will pay only 15% tax on the excess. Since Social Security convolutes your tax situation I highly recommend you do this before taking it.If your ETF is worth $1,000,000 and it consists of $500,000 of long term capital gains you could do this for 5 years all at 0% tax rate! Should you sell $200,00 of your ETF even if you don’t need that much income for the year? YES! By doing so you will never pay taxes on those long term capital gains. Let’s say you don’t need any income for the year. You still sell $200,000 of the ETF so you can get 0% tax rate on $101,200 of long term capital gains and you immediately go out and buy $200,000 of the same ETF to continue deferring. This effectively raises your cost basis on this $200,000. Some will say what about the wash sale rule? That ONLY applies to losses not gains. If you doubt what I am saying then enter this tax information that I have presented into a 2018 tax software program and let it tell you the answer. I am sure you will trust it more than me.

I thought this book was great...until I realized that it ignores the 10% and 15% tax rate brackets.A large portion of the book tells you that if you are going to have more income than your standard deduction/exemption in retirement you do not want to have any tax deferred money like a 401K. He explains that when it comes to the money you want to invest, if you are paying a 25% Federal tax rate now, you will likely be paying at least a 25% rate in the future and when you do the math both a 401K and a Roth IRA would come out the same. Thus he says you should generally choose a Roth type of investment because taxes are likely to be higher in the future and if they are even 1% higher you will come out better off.I pulled out the actual tax tables and materials from last year. I quickly realized that for many people the money you are currently investing in a 401K may in fact be taxed at the 25% federal rate like the book provides in most of its examples. However, I also quickly realized that for many people when they go to take distributions in future years they will never go above the 15% rate. Thus, if tax rates did not go up a person in this situation should be better off with the 401K. Even if they did go up, they could go up from 15% to 25% and just make it back to the rate currently being paid.In all fairness the author does say that whether or not you should invest in a Roth over a 401K comes down completely to whether or not you will be paying a higher tax rate in the future. The problem is that all the examples and illustrations are situations where you are paying as high or higher a tax rate in retirement. He never talks about the fact that a tax rate exists that is lower than the 25% but higher than 0%. But I believe a lot people in retirement will end up in one of these brackets when they were in a higher bracket while working.I do also have to add that in some cases it might be better accepting the higher 25% rate now with a Roth rather than paying 15% in the future on a 401K distribution if that allowed you to avoid paying any taxes on your social security. He explains in the book how you could do this if you do not have much regular or deferred income in retirement. I did not try to go through all those calculation to see when that would pay off because if you have any significant pension or other income it throws you out of that possibility.I originally started to give it one star because I felt it left out very critical information needed to understand. However, I changed it to two because it does give you a lot of information that is good...you just have to remember there is a 10% and 15% rate and figure out for yourself how those rates affect your situation.In all fairness,

I see this as an immediate opportunity to arrange my affairs over the next 7-8 years as taxes are guaranteed to go up as the current law sunsets at the end of 2025. This was wake up call for me, a boomer, who has the majority of retirement money in tax deferred 401(k) type plans. I fully expect Tax Rates to increase substantially to pay for the $20 Trillion of current debt and the debt of unfunded future Medicare liabilities.

I have helped clients navigate the path from working years to retirement. This transition can be difficult to plan for. With the help of this book, you can easily understand the concepts being presented. You will even learn just how to implement them in your personal retirement portfolio. Taxes in the future could be higher based upon any number of factors we currently face. All time highs in the national debt, a generation of baby boomers retiring, distressed Social Security and Medicare programs, interest rates that are artificially low. Anyone of these could cause higher taxes in our future; all of them combined virtually guarantee higher taxes.If taxes will be higher in the future, why not pay the tax on our retirement portfolios now, while taxes are at low levels we haven't seen in our lifetimes? The Power of Zero will open your eyes to the how, why and when to successfully transition your assets to be in just the right place. Even if you are already retired, there is still time to act and compelling reasons to do so.As a successful professional financial planner with over 2 decades of experience helping clients, this book encapsulates the strategies our clients have utilized. Now you can be 'in the know' and not left behind.

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The Power of Zero, Revised and Updated PDF

The Power of Zero, Revised and Updated PDF

The Power of Zero, Revised and Updated PDF
The Power of Zero, Revised and Updated PDF