Everyday Millionaires Download

ISBN: B07MCYP39J
Title: Everyday Millionaires Pdf How Ordinary People Built Extraordinary Wealth

In Everyday Millionaires, #1 national best-selling author Chris Hogan will show you how ordinary people built extraordinary wealth—and how you can too. You’ll learn how millionaires live on less than they make, avoid debt, invest, are disciplined and responsible!

Our new book is based on the largest study EVER conducted on 10,000 U.S. millionaires—and the results will shock you! You’ll learn that building wealth has almost NOTHING to do with your income or your background! It doesn’t matter where you come from. It matters where you’re going.

Most people think it takes crazy investing knowledge, a giant salary, a streak of luck, or a huge inheritance to become a millionaire. But that couldn’t be further from the truth! Here’s what you need to understand: if you’re willing to do the work—if you’ll follow the stuff we teach, if you’ll commit to our plan—then you CAN become a millionaire.

Millionaire Myth buster Excellent study of what makes millionaires in America today. Bottom line up front: An encouraging book for all ordinary but dedicated people who wish to build extraordinary wealth.Chris Hogan surveyed 10,000 people with a net worth of more than $1 million, then looked at characteristics that would explain their success. He found, contrary to popular belief, the 10,000 were ordinary people who built their wealth slowly through mutual funds, IRAs and company 401K plans. Over 2/3 had averaged less than $100,000 per year in income and one of the top 3 professions was teacher. He found 97 % didn’t inherit their millions, but used discipline, hard work and low risk investments to accumulate wealth.Next, Hogan discovered the five most common traits among the 10,000 millionaires and proposes those of us who emulate these traits should also be successful. The 5 traits are taking personal responsibility, practice intentionality, be goal oriented, work hard and consistency.Hogan intersperses stories of individual millionaires along the way to illustrate his points. This results in an engaging, easy to read book. People looking for get rich quick schemes will be disappointed as will anyone who wishes to fault his logic. If, for example, one would argue a high paying job is necessary to building wealth, Hogan counters with his survey results: 1/3 of millionaires never had $100,000 income in a year, only 31% averaged $100K and only 7% averaged over $200K.Bottom line is for the average Joe who thinks he can’t get ahead, this book will outline a straightforward, although lengthy process for achieving millionaire status.Not impressed Very disappointed. No real content or data in the book, just more of the same.Waste of money if you aren't young. I am over 50 and this book is written as though you are just getting started in you life. Depressing to read knowing it does not speak to older people who want to start where they are. Waste of money.

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Dear Bob and Sue Free Pdf

ISBN: 0985358157
Title: Dear Bob and Sue Pdf
Author: Matt Smith
Published Date: 2012-11-01
Page: 314

Matt and Karen have been married for over 34 years and live in the Seattle, Washington area. Having both grown up in the Midwest, they met at the University of Kansas and have been together ever since. Dear Bob and Sue is their first book project together.

Dear Bob and Sue is the story of our (Matt and Karen Smith) journey to all 59 U.S. National Parks. We wrote the book as a series of emails to our friends, Bob and Sue, in which we share our humorous and quirky observations. It is at times irreverent, unpredictable and sarcastic, all in the spirit of humor. We describe a few of our experiences in each park but do not provide an exhaustive overview of each experience or park. We did not intend for this book to be a travel guide nor a recommendation for how to visit all 59 of the U.S. National Parks although many readers have said they’ve found it to be a useful guide. Rather, it is our story about how we did it.If you enjoy quirky humor set in the magnificent U.S. National Parks, this book may be for you. If you are looking for eloquent descriptions of the natural beauty we encountered or detailed descriptions of every activity you can do in each park, there are many other books available where you can find that information. All that said, many readers have commented that it’s “laugh out loud” funny and a light-hearted glimpse of our journey through the parks. Some have voiced concerns about the language we used in the book. We are not entirely sure which are the offending words, but here are a few possible candidates. There is a point in the book where Matt suggests that one of the caves at Carlsbad Caverns National Park be named Put Your Scrotum in a Vise Cave. Another passage mentions that Matt has a low tolerance for bullshit. Still, another quotes Karen as saying that men who use a laptop while it sits directly on their lap expose themselves to the risk of “cooking their testicles.” For the sake of full disclosure, Karen’s testicle comment offends Matt as well. These are representative examples of what we feel are the most “adult” language usages in the book. If these are offensive to you, then you might re-consider whether you should read this book. We also talk about drinking beer and eating peanut butter and jelly sandwiches. Based on comments we’ve received from readers, we should warn you about these as well.

The guy can write but doesn't like me, the reader I've loved the few National Parks I've visited, so I looked forward to reading about Matt and Karen Smith's visits to those parks, and to learning what about other parks I would want to visit someday. I haven't finished the book yet, but some things about it bothered me enough to look up other readers' reviews to see if I was the only one who felt the way I do. I see that others agree with me.I was enjoying the book until I read enough of his put downs of geezers and old ladies and old lady perfume, etc to know that Matt doesn't like me. Matt wouldn't like me and I find that's affecting my enjoyment of the book. He doesn't like families with children when the children behave like children.The authors don't really respect the National Parks nor the rules that preserve the parks for all. Touching something (ex: the cane-like formations in the cave) that they've been told explicitly not to touch, smuggling alcohol in where it's not allowed, camping out with cooler and beer in the lobby of a beautiful icon of the National Park hotels: huh?The emphasis upon alcohol consumption and even getting drunk, was puzzling because it - and the childish behavior in hotels, restaurants, out in the parks - conflicted with the authors' claim that they are middle aged adults who have raised a family and are turning 50.It was difficult to get to know these people; their values seem in conflict with each other. Love of the features preserved in national parks, but disdain for the people who run and visit them, and for the rules necessary for the preservation of natural treasures.Who ever did the writing is a great writer with talent for humor and description. The humorous exchanges between the couple were, I thought, cute and sometimes caused me to chuckle aloud. But the pervasive disdain for humans in general, and especially senior citizens and young children turned me off.I kept reading beyond the point of finding the book somewhat repetitive, and rather annoying in the way that the couple began racing to parks just long enough to get the park stamp, take a quick hike, then mark that park "done" because I wanted to read about their experiences in two of my favorite parks: Acadia National Park in Maine and Badlands in South Dakota. What a huge disappointment! They raced to Acadia, spent a few hours there, never talked about specifics about what they saw, where they stayed, where they ate (and I, too, tired of the PB & J sandwiches and pizza descriptions). Badlands National Park was neglected, too, in my opinion.The project was a worthy one but it occurred to me that it was a race, not a journey, done just to turn out a book, or to travel and be able to deduct the cost on their taxes. (I'm thinking I might be wrong about that, but the book gives one that impression: that it's all about getting the passports stamped and to be able to say they did it.)I get the annoyance with people talking loudly on cell phones, but the digs against other humans were just too much and when I hold a book in my hand I don't want to have the feeling that the author doesn't like me now that I'm a senior lady. A more accepting way of looking at others would improve the writing and would also enhance Matt's life.If you like people who don't listen to what they are told ... If you like people who don't listen to what they are told and then complain because things don't turn out the way they want. Then you'll enjoy this book.Great bedtime read for National Park lovers As a National Park Lover, I found this a great book. The reader gets useful information about each park, in a roughly narrative form of how the authors spend their time in and near the parks. I found this a perfect bedtime read, as the chapters are fairly short and self contained. I could read a few pages until I got sleepy without the "one more chapter" feeling from a page-turner novel. The method that the authors used to report on their trips was to write in the form of "e-mails" to their friends Bob and Sue. Though some people might find it annoying, I found that the reasonably playful husband-wife sniping did not detract from the book, but helped to portray what traveling so much with ones spouse can be like. Each of the spouses contribute to the "e-mails" with Matt writing the most.The reader can also glean some useful tips for travelling in each park, and I hope some useful hints on Park etiquette as well. I'm definitely excited about visiting more parks now, though also cautious about the more "adventurous" ones. No spoilers, but there are a few harrowing moments involving the wilder and more remote parks.

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The Official ACT Prep Guide, 2018-19 Edition (Book Pdf

ISBN: 1119508061
Title: The Official ACT Prep Guide, 2018-19 Edition (Book Pdf + Bonus Online Content)

The comprehensive guide to the 2018-2019 ACT(R) test, with 4 genuine, full-length practice tests and 400 additional questions online.This 2018-2019 guide includes four actual ACT tests -- all of which contain the optional writing test -- that you can use to practice at your own pace. To help you review test subjects and improve your understanding, this guide provides clear explanations for every answer. You'll also get practical tips for boosting your score on the English, math, reading, and science tests, as well as the optional writing test. Additionally, you can access 400 more practice questions online through the access code provided in the guide.The test's creators filled this guide with expert advice on how to both mentally and physically prepare for the exam. It will also help you: The Official ACT Prep Guide 2018-2019 is the best resource to prepare you for test day. By using this guide you can feel comfortable that you're prepared to do your best! ACT (Iowa City, IA) is a not-for-profit organization providing assessment, research, information, and program management services to support education and workforce development. Known most widely as the makers of the ACT exam--the college readiness and placement assessment taken by some 1.8 million high school students each year--ACT produces a number of assessments and services reaching more than 10 million people along the kindergarten through career continuum. ACT's rigorous research informs policy decisions and helps develop programs that boost lifelong learning potential in schools and workplaces around the world. To learn more, visit www.act.org.

The only guide from the ACT organization, the makers of the exam, revised and updated for 2019 with 4 genuine, full-length practice tests and 400 additional questions online.

This new edition includes:

• A NEW never-before-seen, full-length practice test with optional writing test (215 questions)
• 400 online questions that can be filtered and organized into practice sets
• Updated writing prompts and directions
• Real ACT test forms used in previous years

The Official ACT Prep Guide, 2018-2019, is the only guide from the makers of the exam and includes actual ACT test forms (taken from past ACT exams). It offers 4 actual ACT tests (all with optional writing test) so you may practice at your own pace. To help you review, this guide provides detailed explanations for every answer and practical tips on how to boost your score on the English, math, reading, science, and optional writing tests.

The test creators also created online resources accessible through this book. You can practice with the 400 additional test questions that can be organized, filtered, and tracked for performance. Or you can read the online articles discussing everything from a polished college admissions form to tips on how to graduate in four years.

The Official ACT Prep Guide, 2018-2019 is the best resource to prepare you for test day. By using this guide you can feel comfortable that you are preparing to do your best!

Tests are GREAT (4 now vs. previous 3); Advice is OK; Online materials worse format than previously available; AVOID KINDLE VER. This review is for the HARD COPY version.I’ve been tutoring the ACT for over a decade, have scored perfectly on it as an adult, and have coached a student to a perfect score, as well as many others to perfect scores on individual sections. I run a Youtube channel offering free ACT / SAT prep and college advice (SupertutorTV) and also have created an online prep course for the ACT. In short, I know the ACT.When it comes to ACT prep books, the number one advice I have for my students is to USE AUTHENTIC MATERIALS from the test maker. That means if you’re taking the ACT, and can afford nothing but one book, this is the number one resource I would recommend. The ACT test got a minor reboot in 2014 when ACT added probability items to the math section, reduced the number of science passages from 7 to 6, and added a dual reading passage section. The ACT has also revamped the essay a couple of times since 2014. This book reflects all those changes better than any previous books.There are a few updates this book includes that the previous editions of the book don’t:1) A new, 4th test included in the book (awesome!). This is a recent test (form code 74C) that was administered in June 20172) Access to an online question “bank” instead of printable pdf versions of the “bonus” questions that came with older versions of this guide (2015-2016 and the latest 2016-2017 which has no date on the cover). (not awesome!). Each book includes a scratch off code, so best to purchase new, not used, if you want to take advantage of these online questions. As before, these include around 100 of each subject matter pulled from the Real ACT Prep guide that has since been taken out of print.3) Essays that reflect the latest version of the essay prompt (previously, the question required students to integrate “multiple perspectives” or all three perspectives. The newer version of the prompt is reworded and broader, asking students to incorporate “at least one” other perspective; other versions of the prep guide may not include the correct prompts for the essay).Why four stars then? Well, this update to last year’s guide has a few disappointments.My number one complaint is the fact that the question bank is now online only. Having the ability to PRINT the bonus questions made them much more valuable, and this was possible with the older version of this same guide.Studies have shown that students focus less when reading from screens and performance may be affected. Additionally, it’s best to prep using the same method you would use when actually taking the test. That makes your practice experience closer to your testing experience. Printing to paper gives students that experience. Doing questions in a question bank online doesn’t.The other issue with the question bank is that it randomizes the order of the questions and passages. Though this may not matter for some sections, in the math it means it’s harder to tell which math questions should be “easy” and which ones “hard” so that students can more easily do the ones that are most applicable to them. In the past version the start of the packet was on the easy side and around question 40 the questions got harder, and then reset after question 50 and again after question 75. It wasn’t perfect, but easier to track than this mess of an online system, at least for tutors trying to assign the hardest questions to students, or students looking for streaks of hard questions.Additionally, the OFFICIAL ACT PREP GUIDE (this book) and all versions of it borrows heavily from the previous book of ACT Tests pre 2014 changes called The Real ACT (CD) 3rd Edition (Official Act Prep Guide), particularly in the math sections (more on this below). That's kind of annoying, as it means you can't buy both books and get 9 tests. If you buy both you get more like 7 tests. I know the other one is out of print, but it would still be nice to be able to buy that book used and get even more tests to practice with in complete form.Now let’s first discuss what this includes:1) Four “real” ACT tests.The first three exams appear to be identical to the previous editions of this guide. I’ve noted the form codes these were sourced from in case you know of these past exams.Test 1 (diagnostic): English, Reading, Science (Jun 2015 73C), Math (73C+10 random questions from The Real ACT Prep Guide exams, mix of exams, and a few originals),Test 2: English, Reading, Science (Apr 2015 73G), Math (random questions from The Real ACT Prep Guide exams, mostly from Exam #2, and a few originals),Test 3:English (Test 5 from Real ACT Prep Guide), Reading, Science (Test 4 from Real ACT Prep Guide), Math (Many from test 4 from the Real ACT Prep Guide, some random from that Guide, plus a few 73G questions and a few originals.)Test 4: June 2017 Code 74C, all sections2) Essay promptsAll tests include a complete essay prompt; a fifth prompt is in the chapter on the essay, for five total prompts.3) Chapters that review the basic content of each section and have some example questionsThough this might seem to be a great resource, advice from the test makers is rarely as good as advice from private tutors who write books. I’m probably biased (I’m a private tutor who is working on writing some ACT books), but even before I wrote books, I knew the best tips I found for my students weren’t from the test makers. Ideas like “read carefully and thoroughly," are terrible advice for some students who when doing so can’t even finish half of a section. Many students are better off FINISHING than reading everything carefully. True, the book also has pacing strategies, but they aren’t written based on people who are on the ground with students trying to help them exploit test weaknesses or maximize scores. Sure, in an ideal world we we be good little students and do everything the “right” way, but real test prep is about optimization, not being a “good student.” It’s about working within the constraints of the test and maximizing your ability to get questions right. The idea that some students are different and your strategy may be different from someone else’s isn’t really accounted for here in a clear way. The voice of the book feels more objective than insightful in its advice.The biggest value of this book is the real tests, not the section advice. If you want test prep advice, get another book from an independent tutor. Still, content tips in the English and Math could be somewhat useful for those with no other resources or limited budgets.ALSO: Many of the “real” examples from these topic based chapters are part of fully released exams from prior years, such as 61C (the packet released free of charge in 2008-2009). As a result, the example material is not a huge boon for students, but actual a bit of a "spoiler" for anyone who digs up these old, free, released pdf tests online and wants to use them to practice full exams.If you’re looking to maximize your access to REAL materials, here are your other options:1) Upgrade to the The Official ACT Prep Pack with 6 Full Practice Tests (4 in Official ACT Prep Guide + 2 Online) and get access to two online tests in addition to the four tests in the book. Practicing online, though, is not ideal if you’re taking this on paper. (See my note above) (ACT now offers a small percentage of test takers the opportunity to take the test on computers, but I don’t recommend doing so).2) Get a copy of the The Real ACT (CD) 3rd Edition (Official Act Prep Guide)in addition to this book.You’ll likely want to skip most of the math sections except for anecdotal practice (particularly tests 4 and 2 which show up heavily on the math section of the newer book), but other sections are useful. Know that the reading has no dual passages, and that the science has more passages but the same number of questions. Also, avoid English test #5, and Science and Reading test #4, as these are identical to test #3 in the Official Guide you would get from this page.3) Find the previously released free exams that ACT.org has offered students from prior years before the test tweaks in 2014.There is one free right now at ACT.org, and many sites have cataloged old editions of the Preparing for the ACT packet from past years. A quick online search for Free PDF ACT practice tests or "Preparing for the ACT" pdf should help you find some of these.Overall:Get this for the tests (you can't beat real tests!)Skip most of the chapter advice by topic (Math, Science, Reading, etc.) unless you can't afford more books or alternate options.Online materials are ok but not perfect.One final note: I've also purchased the Kindle version. It is nearly illegible on the portions of the book that are the test; you can't zoom in on these pages at all so the print is so tiny it can't be read. Total waste of money. I do not recommend it at all. Previous versions on the Kindle were much better quality and were far more useable. I don't know why this one is so terrible.Daughter says 5 Honestly, I didn't use this myself. I bought it for my daughter and she told me to rate it a 5. She took the ACT and scored a 32, so we're very pleased. She did study hard for the test. But this book was money well spent.The content is the same as the previous version plus one brand new test. The current 1-2 star reviews are being a bit unfair. They are complaining about the Kindle version. To be honest, I don't know why you would want tests in the kindle version anyway, you want to take the tests on paper as you would in the test room. This book is the same as the previous edition, but they added a completely new test. I am a self-employed full-time test prep tutor and certified teacher running up to ten years of experience. The CONTENT of the book is what I'm reviewing, and I love practice tests. The new practice test is refreshing, they are also keeping the price point the same as previously, thus increasing the overall value of the book.

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