It's no surprise that a record number of Americans are declaring bankruptcy while consumer debt and foreclosures are at an all time high. Many adults simply don't have the basic financial knowledge to safely navigate today's environment of predatory lending, identity theft, and nonstop consumer marketing. What's more, they don't know how to leverage to their advantage the valuable financial tools they do have. "The High School Graduate's Guide to Financial Intelligence" teaches young adults important lessons in personal finance that they likely aren't learning at home or in school. Armed with this information, they will be better prepared to achieve their financial goals while avoiding common pitfalls.

A wholly new force is driving human behavior today, and it's turning the world as we know it upside down and inside out. Human behavior is now being driven by a new survival instinct -- a new primal desire -- that is invisibly but unstoppably reshaping the world, from the most intimate details of our private lives to the dynamics of the global marketplace. "The New Culture of Desire" reveals and chronicles this present and future brave new world -- the beginning of Human History Part II. According to futurist Melinda Davis, it is evolving right under our noses, and we need to adapt "now" to survive -- and to thrive.

Described variously as "a secret weapon of the Fortune 100" and a "hired-gun visionary," Davis divulges the startling conclusions and once confidential details of The Human Desire Project, a six-year, multidisciplinary study to investigate what makes human beings want what they want and do what they do. Originally initiated as a landmark study for big business (Davis's client ranks include distinguished companies such as AT&T, Merck, Diageo, Procter & Gamble, L'Oreal, Unilever, and Lucent Technologies), The Human Desire Project evolved into an even larger phenomenon with far-reaching implications for all of our lives. In "The New Culture of Desire," you learn to leverage for your own good fortune, today -- and into tomorrow -- the same insights and strategies that inform the future plans of some of the most powerful corporate movers and shakers around. Here are just some of the revelations of "The New Culture of Desire: "

- The unconscious formula that we all use to make choices now

- Why bliss beats sex, money, and power

- The new peak experience: the State ofO

- The single greatest unmet consumer need

- The battle for our interior lives

- The five strategies we enlist to satisfy the new primal desire -- and what they mean for your life and your business

Harvard-educated and street-smart, Davis examines the telltale signs of our rapidly morphing world with the nose of an MIT/MTV anthropologist and an arsenal of case histories. Quizzes and checklists appear throughout the book to help you diagnose your own desires. New marketing models provide new ways to speak more powerfully to the heart of your customers' true desires. This insider's analysis of the most powerful desire-driven trends of our time provides a strategic guide to the inside of the new millennial mind, to help you understand your own motivations and those of your colleagues, customers, and friends. Here are some of those cultural trends that you need to know about:

- Magical Thinking: Looking for the simple, supernatural solution

- The Third Sex: Having it all

- Yoda-ism: New candidates for a god

- Tribe Crashing: The ultimate insiderism

- Hot-Blooded Spiritualism: Drumming up the saving graces

- Raging Amazonianism: The rise of the butt-kicking babe

- Pleasure Healing: Self-indulgence that does you good

- P. Q.: The Performance Quotient: Upgrading the human processor

A pioneering work that looks into what people want and why, "The New Culture of Desire" blows traditional future-planning theory and practice sky-high, and replaces it with groundbreaking strategies that really work.

"Kids Finance 101 "

"Kids Finance 101 " is an outstanding book, designed to assist parents towards becoming more effective financial mentors for their children.

"Save when you are young, so that you can enjoy riches when you're older." -Mark, Age 16

This Book Will Teach Parents & Children How To: 1. Become Financially Responsible 2. Establish a Kids Financial Portfolio with Allowance Money 3. Prepare a Simple Kids Budget 4. Invest Wisely 5. Save for College

Author, teacher and motivational speaker, Yvonne Brooks is the founder of the Brooks & Brooks Foundation, a non-profit organization that provides a series of leadership and financial education programs for children and their parents.

OBE for FET Consumer Studies equips learners to become responsible consumers who are aware of their rights and expect and insist on service and product excellence. It also empowers them to become entrepreneurs who produce and market their own goods. Four modules cover the three prescribed areas: Food and Nutrition, Clothing, and Housing and Furnishing, allowing learners to make an informed choice about the area in which they could specialise and pursue a career. Learners find out about the rights and responsibilities of the consumer through focused activities and research projects. The series seeks to educate learners to generally uplift and streamline their home and community environments. At the same time it promotes attitudes that respect human rights and inclusivity, as well as conservation of the environment.

When Mickie Siebert arrived in New York in the mid-1950s, she had $500 in her wallet and drove a used Studebaker. Almost fifty years later she is known as the "First Woman of Finance," the only woman to head a publicly traded national brokerage firm.

Pithy, vastly entertaining, and full of behind-the-scenes anecdotes, "Changing the Rules" reveals how Siebert forged her phenomenal success in the chaotic and cutthroat world of Wall Street. Three four-letter words are behind Siebert's career success: One is work -- she learned everything there was to know about a company before recommending its stock. The second is luck -- as an analyst in training, she had the good fortune to follow a fledgling industry that nobody else wanted. (The "dog" industry was airlines.) The third word is risk -- she knew how to assess liability and make a decision.

Siebert recounts the resistance of the good gray Stock Exchange when she dared to infiltrate the boys' club, threatening to have a Port-O-San delivered to the NYSE luncheon club if they didn't add a women's bathroom. She reveals the backstage stories about saving Lockheed and selling Conrail (at the time, the largest stock offering in Wall Street history), as well as the changes on the Street that led to May Day, 1975, when she was first in line as a discount broker (and considered a pariah by industry standards).

She tells of her memorable encounters with such legendary figures as Captain Eddie Rickenbacker, the World War I flying ace who ran Eastern Airlines, and Robert Brimberg, the iconoclastic "Scarsdale Fats" whose investing acumen was the envy of the Street. Writing with equal candor about the politics of finance and the finance of politics, Siebert recalls her five years as Superintendent of Banking for New York State -- when she helped to prevent a national fiscal crisis during the Iran hostage situation -- and her experiences as a pro-choice Republican senatorial candidate. Siebert's reputation for rocking the boat is legendary, and "Changing the Rules" is both a fascinating biography of a true pioneer, and a valuable strategic and informational tool for anyone who deals with or dabbles in the money game.

Need Money? You need this book Want Money? You want this book Nobody has enough money to NOT buy this book You can't afford to not buy this book. You can't afford to not read this book. You can't afford to not start your own little business. The Time is Now, The Place is Here Decide right now that you won't struggle over money like your parents do. Decide right now that you will be your own boss. Decide right now that you will make the most of yourself. Decide right now that you have the talent to make some serious money-regardless of your situation. Decide right now that you are in control of your future. Decide right now to Up Your Aspirations This hands-on, practical, step-by-step guide will teach you how to start, market, and run thirty-seven businesses in a very simple, fun and inexpensive way-on the way to your first million This is an easy-to-read, must-read for anyone in junior high, high school or college who desires a high paying, rewarding business that makes pure profit. Don't be afraid of making big bucks. Tell everyone you know that you have decided to Up Your Aspirations by buying this book and starting your own business.

"A completely charming discussion of allowances.communicates some of life's important skills in a way that is fun and practical." -"Kirkus Reviews" "Well worth the investment." -"School Library Journal" This lively book answers families' questions about allowances: How much to give? When to start? How to set it up? How to keep kids from blowing it? Written for kids, but vital for parents, the book's advice comes from the Allowance All-Star Squad, 166 kids who have tackled tons of allowance snags-with great results! Their parents chime in, too, as do financial and psychology experts.

Never has the World Bank's relief work been more important than in the last nine years, when crises as huge as AIDS and the emergence of terrorist sanctuaries have threatened the prosperity of billions. This journalistic masterpiece by Washington Post columnist Sebastian Mallaby charts those controversial years at the Bank under the leadership of James Wolfensohn--the unstoppable power broker whose daring efforts to enlarge the planet's wealth in an age of globalization and terror were matched only by the force of his polarizing personality. Based on unprecedented access to its subject, this captivating tour through the messy reality of global development is that rare triumph--an emblematic story through which a gifted author has channeled the spirit of the age.This edition features a new afterword by the author that analyzes the appointment of Paul Wolfowitz as Wolfensohn's successor at the World bank