Carl Richards's Books

The One-Page Financial Plan

A Simple Way to Be Smart About Your Money

By: Carl Richards

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The One-Page Financial Plan

A Simple Way to Be Smart About Your Money

By: Carl Richards

Whenever I tell people about my job as a financial advisor, the conversation inevitably turns to how hopeless they feel when it comes to dealing with money. More than once, they’ve begged, “Just tell me what to do.” It’s no surprise that even my most successful friends feel confused or paralyzed. Even if they have a shelfful of personal finance books, they don’t have time to make sense of all the information available. They don’t just want good advice, they want the best advice—so rather than do the “wrong thing,” they do nothing. Their 401(k) and bank statements pile up, unexamined or maybe even unopened. What they don’t realize is that bad calls about money aren’t failures; they’re just what happens when emotional creatures have to make decisions about the future with limited information. What I tell them is that we need to scrap striving for perfection and instead commit to a process of guessing and making adjustments when things go off track. Of course we’re going to make the best guesses we can—but we’re not going to obsess over getting them exactly right. The fact is, in a single page you can prioritize what you really want in life and figure out how to get there. That’s because a great financial plan has nothing to do with what the markets are doing, what your real estate agent is pitching, or the hot stock your brother-in-law told you about. It has everything to do with what’s most important to you. By now you may be wondering, “What about the details? How much do I need to invest each year, and how do I allocate it? How much life insurance do I need?” Don’t worry: I’ll cover those topics and many more, sharing strategies that will take the complexity out of them. The most important thing is getting clarity about the big picture so you can cope with the unexpected. Maybe you’ll lose the job you thought was secure; you’ll take a financial risk that doesn’t pan out; you’ll have twins when you were only budgeting for one. In other words: Life will happen. But no matter what happens, this book will help you bridge the gap between where you are now and where you want to go.

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Page Count

226

Publisher

Penguin

Published Date

ISBN 10

0698184564

ISBN 13

9780698184565

Archaeological Chemistry

By: A Mark Pollard,Carl Heron,Ruth Ann Armitage

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Archaeological Chemistry

By: A Mark Pollard,Carl Heron,Ruth Ann Armitage

The use of chemistry in archaeology can help archaeologists answer questions about the nature and origin of the many organic and inorganic finds recovered through excavation, providing valuable information about the social history of humankind. This textbook tackles the fundamental issues in chemical studies of archaeological materials. Examining the most widely used analytical techniques in archaeology, the third edition of this comprehensive textbook features a new chapter on proteomics, capturing significant developments in protein recognition for dating and characterisation. The textbook has been updated to encompass the latest developments in the field. The textbook explores several archaeological investigations in which chemistry has been employed in tracing the origins of or in studying artefacts, and includes chapters on obsidian, ceramics, glass, metals and resins. It is an essential companion to students in archaeological science and chemistry, as well as to archaeologists, and those involved in conserving human artefacts.

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609

Publisher

Royal Society of Chemistry

Published Date

ISBN 10

1839162996

ISBN 13

9781839162992

Boy Genius

Karl Rove, the Architect of George W. Bush's Remarkable Political Triumphs

By: Carl M. Cannon,Lou Dubose,Jan Reid

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Boy Genius

Karl Rove, the Architect of George W. Bush's Remarkable Political Triumphs

By: Carl M. Cannon,Lou Dubose,Jan Reid

The Washington Post Bestseller - Now Updated with Five New Chapters and a New Epilogue Unlike President George. W. Bush, Karl Rove, his chief political adviser, is rarely "misunderestimated." Many of the president's opponents see Rove's hand in everything the president does. His friends, and the president himself, are just thankful he's on their side, and always has been. From their earliest days in Texas, Rove saw and tapped the potential of George W. Bush. "Political hacks like me wait a lifetime for a guy like this to come along," Rove said of the future president. The authors of Boy Genius fill readers in on the man, his methods, and his plans for the Republican majority for a fascinating, entertaining look at the Man Who Would be Kingmaker, an investigation that debunks myths as it reveals facts, and the story of exactly how American politics works now. From allegations of bugging his own office back in Texas, to shadowy dealings with Swift Boat veterans in the last election, Rove has played politics all the way to the highest levels, and though it sometimes isn't pretty, it works.

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406

Publisher

PublicAffairs

Published Date

ISBN 10

0786749466

ISBN 13

9780786749461

Peter Whiffle

By: Carl Van Vechten

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Peter Whiffle

By: Carl Van Vechten

Peter Whiffle (1922) is a novel by Carl Van Vechten. Framing himself as his character’s literary executor, Van Vechten provides a satirical self portrait of his unusual life in the arts through the lens of a man whose sole gift is to identify and move with the avant-garde. Peter Whiffle is a writer who never writes. Throughout his travels, he claims to be researching for an important work of literature but mostly provides humorous portraits of some of the greatest artists, dancers, and writers of his time. In this way, he proves himself much more of a mirror than a window—like Van Vechten likely sensed of his own writing, Whiffle is a man who reflects the success and genius of others much more than he offers his own. Travelling between New York City and Europe, Whiffle becomes a figure who defines his generation through keen wit and tongue-in-cheek wisdom, a tour guide to a vast land of cultural creation and bohemian excess. Peter Whiffle, Van Vechten’s debut novel, is a fascinating work of fiction from a man who was always one step ahead of the rest. With a beautifully designed cover and professionally typeset manuscript, this edition of Carl Van Vechten’s Peter Whiffle is a classic of American literature reimagined for modern readers.

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117

Publisher

Graphic Arts Books

Published Date

ISBN 10

1513287281

ISBN 13

9781513287287

Constitutional Law for the Criminal Justice Professional

By: Carl J. Franklin

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Constitutional Law for the Criminal Justice Professional

By: Carl J. Franklin

Written in a simple, straightforward manner, this book will help today's criminal justice student better understand con law issues as well as the complicated development of constitutional rights and law. In its simple, easy to understand format, this book is a must for both current criminal justice professionals and students studying to enter the p

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343

Publisher

CRC Press

Published Date

ISBN 10

1439821844

ISBN 13

9781439821848

Du Bois and Education

By: Carl A. Grant

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Du Bois and Education

By: Carl A. Grant

One of the most prominent African American intellectuals of the twentieth century, W. E. B. Du Bois continues to influence the understanding of race relations in the United States. In this deeply personal introduction to the man and his ideas, esteemed scholar Carl A. Grant reflects on how Du Bois’s work has illuminated his own life practices as a Black student, teacher, assistant principal, and professor. Sharing the story of a brilliant man’s life contribution to teaching about race and the ideologies and methodologies of racism in education and social and political thought, Grant begins his narrative with a broad overview of Du Bois’s life and scholarship, before turning more specifically to Du Bois’s theory of an educational system. The book concludes with an examination of Du Bois’s curriculum model, predicated upon the work of the NAACP, the Harlem Renaissance, and Du Bois’s own writings, as well as a discussion of the lasting legacy of Du Bois’s educational and social theory in the present day. Ideal for graduate-level courses in curriculum theory, educational foundations, and education history, Du Bois and Education provides an in-depth examination of Du Bois’s scholarship, social criticism, and political thought as they relate to his educational theory.

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134

Publisher

Routledge

Published Date

ISBN 10

1317280989

ISBN 13

9781317280989

The Behavior Gap

Simple Ways to Stop Doing Dumb Things with Money

By: Carl Richards

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The Behavior Gap

Simple Ways to Stop Doing Dumb Things with Money

By: Carl Richards

It's not that we're dumb. We're wired to avoid pain and pursue pleasure and security. It feels right to sell when everyone around us is scared and buy when everyone feels great. It may feel right-but it's not rational." -From The Behavior Gap Why do we lose money? It's easy to blame the economy or the financial markets-but the real trouble lies in the decisions we make. As a financial planner, Carl Richards grew frustrated watching people he cared about make the same mistakes over and over. They were letting emotion get in the way of smart financial decisions. He named this phenomenon-the distance between what we should do and what we actually do-"the behavior gap." Using simple drawings to explain the gap, he found that once people understood it, they started doing much better. Richards's way with words and images has attracted a loyal following to his blog posts for The New York Times, appearances on National Public Radio, and his columns and lectures. His book will teach you how to rethink all kinds of situations where your perfectly natural instincts (for safety or success) can cost you money and peace of mind. He'll help you to: • Avoid the tendency to buy high and sell low; • Avoid the pitfalls of generic financial advice; • Invest all of your assets-time and energy as well as savings-more wisely; • Quit spending money and time on things that don't matter; • Identify your real financial goals; • Start meaningful conversations about money; • Simplify your financial life; • Stop losing money! It's never too late to make a fresh financial start. As Richards writes: "We've all made mistakes, but now it's time to give yourself permission to review those mistakes, identify your personal behavior gaps, and make a plan to avoid them in the future. The goal isn't to make the 'perfect' decision about money every time, but to do the best we can and move forward. Most of the time, that's enough.

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Page Count

179

Publisher

Penguin

Published Date

ISBN 10

1101559551

ISBN 13

9781101559550

Checklist of American Phycitinae

By: Carl Heinrich

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Checklist of American Phycitinae

By: Carl Heinrich

Reprint of the original, first published in 1877.

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606

Publisher

BoD – Books on Demand

Published Date

ISBN 10

3385549566

ISBN 13

9783385549562

The Politics of Children's Services Reform

Re-examining Two Decades of Policy Change

By: Purcell, Carl

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The Politics of Children's Services Reform

Re-examining Two Decades of Policy Change

By: Purcell, Carl

Drawing on unique access to prominent policy makers including ministers, senior civil servants, local authority directors, and the leaders of children’s sector NGOs, Purcell re-examines two decades of children’s services reform under both Labour and Conservative-led governments. He closely examines the origins of Labour’s Every Child Matters programme, the Munro review and more recent Conservative reforms affecting child and family social workers to reassess the impact of high profile child abuse cases, including Victoria Climbié and Baby P, and reveal the party political drivers of successive reform.

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232

Publisher

Policy Press

Published Date

ISBN 10

144734877X

ISBN 13

9781447348771

Errors in Language Learning and Use

Exploring Error Analysis

By: Carl James

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Errors in Language Learning and Use

Exploring Error Analysis

By: Carl James

Errors in Language Learning and Use is an up-to-date introduction and guide to the study of errors in language, and is also a critical survey of previous work. Error Analysis occupies a central position within Applied Linguistics, and seeks to clarify questions such as `Does correctness matter?', `Is it more important to speak fluently and write imaginatively or to communicate one's message?' Carl James provides a scholarly and well-illustrated theoretical and historical background to the field of Error Analysis. The reader is led from definitions of error and related concepts, to categorization of types of linguistic deviance, discussion of error gravities, the utility of teacher correction and towards writing learner profiles. Throughout, the text is guided by considerable practical experience in language education in a range of classroom contexts worldwide.

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282

Publisher

Routledge

Published Date

ISBN 10

1317890299

ISBN 13

9781317890294

Writing Organization

(Re)presentation and control in narratives at work

By: Carl Rhodes

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Writing Organization

(Re)presentation and control in narratives at work

By: Carl Rhodes

Carl Rhodes examines the implicit power of writing and authorship that is at play when people and organisations are (re)presented in research. To explore this, the book reports a research project in the area of organisational storytelling that investigates how people in one organisation used stories to (re)present their own learning experiences from the implementation of a quality management program. This research is written in three principal genres: autobiography, ethnography and a fictional short story. These (re)presentational strategies are reviewed to examine how different genres effect authority in different ways. Drawing extensively on the work of Mikhail Bakhtin and on writers associated with postmodernism and poststructuralism, the book offers a challenging discussion of what organisational research might be when the notion of the equivalence of reality and representation is radically questioned.

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151

Publisher

John Benjamins Publishing

Published Date

ISBN 10

902729836X

ISBN 13

9789027298362

A State-by-state Guide to Construction & Design Law

Current Statutes and Practices

By: Carl J. Circo,Christopher H. Little

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A State-by-state Guide to Construction & Design Law

Current Statutes and Practices

By: Carl J. Circo,Christopher H. Little

This is THE book you need if you're involved in multi-state construction and design projects. It outlines essential information about design and construction law and contracting in all 50 states plus DC and Puerto Rico. Information follows a standard format, offering quick comparisons of how different jurisdictions treat the same issue. Topics include licensing and regulation; mechanic's liens; financing; consumer protection; ADR; environmental matters; and statutory and case law governing contracting practices.

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Page Count

1180

Publisher

American Bar Association

Published Date

ISBN 10

1604425547

ISBN 13

9781604425543

Klondike Saga

The Chronicle of a Minnesota Gold Mining Company

By: Carl L. Lokke

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Klondike Saga

The Chronicle of a Minnesota Gold Mining Company

By: Carl L. Lokke

Klondike Saga was first published in 1965. Minnesota Archive Editions uses digital technology to make long-unavailable books once again accessible, and are published unaltered from the original University of Minnesota Press editions. This is the story of the Monitor Gold Mining and Trading Company, an organization of sixteen Minnesotans who went to the Canadian Klondike region in the late 1890's to prospect for gold. It is based on diaries and letters written by the men during their venture. Most of the company members were of Scandinavian origin, recent immigrants to America, and a number of the letters were written to Nye Normanden, a Norwegian-language newspaper published in Minneapolis at the time. The leader of the company, Lars Gunderson, was the grandfather of the late Carl L. Lokke, author of the book. Mr. Lokke, a historian, was chief of the foreign affairs branch of the National Archives at the time of his death in 1960. This is the first book issued under a joint publishing arrangement between the University of Minnesota Press and the Norwegian-American Historical Association. It is Volume 7 in the association's Travel and Description Series. There is a preface by Kenneth O. Bjork, editor of the association, and Senator Ernest Gruening of Alaska writes a foreword.

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234

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U of Minnesota Press

Published Date

ISBN 10

081665820X

ISBN 13

9780816658206

The Family Business 5

A Family Business Novel

By: Carl Weber,La Jill Hunt

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The Family Business 5

A Family Business Novel

By: Carl Weber,La Jill Hunt

New York Times bestselling author Carl Weber and Essence bestseller La Jill Hunt return with a story of love, betrayal and racism in the next addition to the wildly popular Family Business series. From the time he was a boy in Georgia, LC Duncan, patriarch and leader of the Duncan clan, has battled racism. Even now that he and his family are truly successful, the racism can still be in-your-face. Maybe it’s the political climate or perhaps it’s just bad timing, but LC and the rest of the Duncans are being challenged by the ultimate power-hungry racist, Sheriff KD Shrugs. Nevada Duncan is at that age when girls and sex are always on his mind. His handsome face and superior intellect attract Kia, the beautiful “Blasian” call girl who tempts him into running away to a place where the Duncans are definitely not wanted—El Paso, Texas, the home of KD Shrugs. What is the worst thing that can happen to a handsome, rich millennial? Rio Duncan would say it’s mistaken identity after being beat down in a nightclub by someone who thinks he’s Roman Johnson, a stickup kid who happens to be Rio’s doppelganger. What happens next will open up the biggest can of worms the Duncans have ever had to deal with. Get ready for another roller coaster ride with the Duncan family.

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334

Publisher

Urban Books

Published Date

ISBN 10

1601620942

ISBN 13

9781601620941

Acts Of Vengeance

Marvel Universe

By: Ann Nocenti,Carl Potts,Chuck Dixon,Daniel Way,Dann Thomas,Dwayne McDuffie,Mike Baron,Peter David,Roy Thomas,Terry Austin,Walt Simonson

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Acts Of Vengeance

Marvel Universe

By: Ann Nocenti,Carl Potts,Chuck Dixon,Daniel Way,Dann Thomas,Dwayne McDuffie,Mike Baron,Peter David,Roy Thomas,Terry Austin,Walt Simonson

Collects Fantastic Four (1961) #334-336; Incredible Hulk (1968) #363; Punisher (1987) #28-29; Punisher War Journal (1988) #12-13; Marc Spector: Moon Knight (1989) #8-10; Daredevil (1964) #275-276; Power Pack (1984) #53; Damage Control (1989B) #1-4; material from Doctor Strange, Sorcerer Supreme (1988) #11-13. Loki’s schemes play out as an array of heroes face unfamiliar enemies! The Fantastic Four take on an army of foes during a congressional hearing! The gray Hulk battles the Grey Gargoyle! The Punisher takes aim at Bushwhacker and Doctor Doom — then joins Moon Knight to face Flag-Smasher and Ultimatum! Daredevil fights outside his weight class against Ultron while Power Pack grapples with Typhoid Mary! And Hobgoblin, the Enchantress and Arkon spell trouble for Doctor Strange! Luckily, Damage Control is around to pick up the pieces!

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Page Count

496

Publisher

Marvel Entertainment

Published Date

ISBN 10

1302521195

ISBN 13

9781302521196

The Professor and the Spies

By: O.T. Harris,Carl Kremer

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The Professor and the Spies

By: O.T. Harris,Carl Kremer

The Professor and the Spies By: O.T. Harris with Carl Kremer Professor Hampton Weatherly became a professor of English history at Westminster, retiring in 1995. He began research for a book on the security measures for that event, which led to a meeting with a Scottish agent of MI5, Clive St. John. They become friends, and Weatherly finds himself in Scotland seeking data on St. John’s father, a decorated naval officer who spied on German and Russian activity in the Orkney Islands during WWII. The plot bounces from Fulton to Washington, DC, to Scotland and Crimea, with an array of well-drawn characters: bureaucrats, naval admirals, a Scottish provost and his doughty chauffeur, a whiskey salesman, and members of MI5, the FBI, the CIA, the Missouri Highway Patrol, and the Fulton Police Department. Featuring a thwarted assassination attempt, a largely unnoticed homicide, a kidnapping, a daring rescue involving spies and secret agents, Churchill, Franklin Roosevelt, Harry Truman and others—and drinking, romance, intrigue and dark secrets, The Professor and the Spies is sure to capture the undivided attention of any reader.

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Page Count

212

Publisher

Dorrance Publishing

Published Date

ISBN 10

1636615775

ISBN 13

9781636615776

Risk Assessment

Logic and Measurement

By: Michael C. Newman,Carl Strojan

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Risk Assessment

Logic and Measurement

By: Michael C. Newman,Carl Strojan

Accurate risk assessments are vital to the protection of human, environmental, and ecosystem health. Risk Assessment provides a current, comprehensive reference for researchers and professionals concerned with environmental contamination as well as its effects on humans and ecosystems.

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Page Count

372

Publisher

CRC Press

Published Date

ISBN 10

1575040484

ISBN 13

9781575040486

Dining at the Governor's Mansion

By: Carl McQueary

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Dining at the Governor's Mansion

By: Carl McQueary

You are invited to dine at the Texas Governor’s Mansion, to be the guest of the first ladies and two women governors of the Lone Star State, as they offer (through author Carl McQueary) some of their finest recipes and favorite stories of life in the heart of Austin. The ingredients in Dining at the Governor’s Mansion include one part culinary history and one part social history, along with a generous helping of recipes cooked by Texas first ladies, or (in later years) their personal chefs, from the completion of the Austin mansion in 1856 down to the present. Carl McQueary’s folksy cookbook offers a look at food and its preparation, entertaining at the Mansion, and the challenges the women faced keeping the old home together. It includes brief biographical sketches of the first ladies, who usually orchestrated food service for both family meals and social or political events, and considerable background on the mansion’s infrastructure challenges, interior decoration, landscaping, and restoration. The book also provides an intimate portrait of Texas life during the last century and a half, since the trends in food enjoyed by the governors and their families, especially in their private lives, have been surprisingly similar to those enjoyed by even the humblest of Texas citizens. Most of all, it presents dozens of tasty, appetizing, historic recipes tested by McQueary in his own kitchen and annotated for the contemporary cook. No matter how you slice it up—as Texas history, food history, women’s hisory, or cookbook—Dining at the Governor’s Mansion offers a palate-pleasing smorgasbord for your reading, dining, or gift-giving pleasure.

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Page Count

337

Publisher

Texas A&M University Press

Published Date

ISBN 10

1585442542

ISBN 13

9781585442546

Qualitative Data

An Introduction to Coding and Analysis

By: Carl Auerbach,Louise B. Silverstein

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Qualitative Data

An Introduction to Coding and Analysis

By: Carl Auerbach,Louise B. Silverstein

A necessary guide through the qualitative research process Qualitative Data is meant for the novice researcher who needs guidance on what specifically to do when faced with a sea of information. It takes readers through the qualitative research process, beginning with an examination of the basic philosophy of qualitative research, and ending with planning and carrying out a qualitative research study. It provides an explicit, step-by-step procedure that will take the researcher from the raw text of interview data through data analysis and theory construction to the creation of a publishable work. The volume provides actual examples based on the authors' own work, including two published pieces in the appendix, so that readers can follow examples for each step of the process, from the project's inception to its finished product. The volume also includes an appendix explaining how to implement these data analysis procedures using NVIVO, a qualitative data analysis program.

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216

Publisher

NYU Press

Published Date

ISBN 10

0814706940

ISBN 13

9780814706947

Pressure Vessels

External Pressure Technology

By: Carl T. F. Ross

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Pressure Vessels

External Pressure Technology

By: Carl T. F. Ross

The choice of structural design and material is essential in preventing the external walls of a vessel from buckling under pressure. In this revised second edition of Pressure vessels, Carl Ross reviews the problem and uses both theoretical and practical examples to show how it can be solved for different structures.The second edition opens with an overview of the types of vessels under external pressure and materials used for construction. Axisymmetric deformation and different types of instability are discussed in the following chapters, with chapters 5 and 6 covering vibration of pressure vessel shells, both in water and out. Chapters 7 and 8 focus on novel pressure hulls, covering design, vibration and collapse, while chapters 9 and 10 concentrate on the design and non-linear analysis of submarine pressure hulls under external hydrostatic pressure. In chapter 11, the design, structure and materials of deep-diving underwater pressure vessels are discussed, focusing on their application in missile defence systems. Finally, chapter 12 analyses the vibration of a thin-walled shell under external water pressure, using ANSYS technology.Drawing on the author's extensive experience in engineering and design both in an industrial and academic capacity, the second edition of Pressure vessels is an essential reference for stress analysts, designers, consultants and manufacturers of pressure vessels, as well as all those with an academic research interest in the area. - Presents an overview of the types of vessels under external pressure and materials used for construction - Assesses axisymmetric deformation and different types of instability covering vibration of pressure vessel shells - Explores novel pressure hulls, covering design, vibration and collapse concentrating on the design and non-linear analysis of submarine pressure hulls

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Page Count

503

Publisher

Elsevier

Published Date

ISBN 10

0857092499

ISBN 13

9780857092496

An Approach to Rights

Studies in the Philosophy of Law and Morals

By: Carl Wellman

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An Approach to Rights

Studies in the Philosophy of Law and Morals

By: Carl Wellman

An Approach to Rights contains fifteen previously published but mostly inaccessible papers that together show the development of one of the more important contemporary theories of the nature, grounds and practical implications of rights. In a long retrospective essay, Carl Wellman explains what he was trying to accomplish in each paper, how far he believes that he succeeded and where he failed. Thus the author provides a critical perspective both on his own theory and on alternative theories from which he borrows, or that he rejects. These essays identify the problems any adequate theory of rights must solve, describe the more plausible solutions and weigh the merits of each. They will be of special interest to any reader concerned with legal theory, moral philosophy or any branch of applied ethics or social policy in which appeals to rights are frequently made but seldom rationally satisfactory.

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292

Publisher

Springer Science & Business Media

Published Date

ISBN 10

0792344677

ISBN 13

9780792344674

Archaeological Chemistry

By: A. M. Pollard,Carl Heron

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Archaeological Chemistry

By: A. M. Pollard,Carl Heron

This book enables scientists to tackle the fundamental issues of chemical change in the archaeological materials, in order to advance the study of the past.

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458

Publisher

Royal Society of Chemistry

Published Date

ISBN 10

0854042628

ISBN 13

9780854042623

Quest for Discovery

The Remarkable Search for Noah's Ark

By: Richard Carl Bright

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Quest for Discovery

The Remarkable Search for Noah's Ark

By: Richard Carl Bright

This incredible book details the dramatic climbs, political intrigue, and sheer danger involved in a quest for the greatest archaeological treasure of all time. Never-before-seen photographs, expedition accounts, and persuasive evidences point to a massive, man made abject hidden on remote Mt. Ararat.

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Page Count

340

Publisher

New Leaf Publishing Group

Published Date

ISBN 10

0892215054

ISBN 13

9780892215058

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