Middle-class couples are working harder than ever. So why are they finding it more difficult to finance their homes, send their kids to college, and save toward retirement? Couples who are strapped for time and weighed down by costly fixed expenses need more than a personal finance pep talk: They need a plan. In The Big Payoff, CNBC correspondent Sharon Epperson lays out a nuts-and-bolts program that couples of all ages can use to realize their financial dreams. From stretching your budget and investing wisely in your home to protecting your family's money and building wealth over the years, The Big Payoff offers a concise bounty of precious information and practical steps toward financial wellness. Epperson begins by showing couples how to communicate better about money. She helps them realize that the same qualities needed to create a lasting relationship—understanding, compromise, and patience—are vital when it comes to building a secure financial future. Every important decision couples make, whether it's buying a home, having kids, changing jobs, or preparing for retirement, will inevitably involve a discussion about money, and Epperson teaches them how to handle finances with a cool hand while keeping the marriage vibrant and healthy. In addition, she empowers couples to take money matters into their own hands and shows them that by taking control of their finances, they can stop fretting about cash and start focusing on the important things in life. Each of the following chapters is designed to get partners talking and thinking about their financial life together. In eight easy-to-understand steps, Epperson unpacks the various options for saving money; creating emergency, retirement, and college savings plans; investing in a home; choosing the right life and health insurance; and drafting an estate plan. A wife and mother of two herself, Epperson knows a thing or two about the pitfalls of financial planning and doses her advice with plenty of humorous anecdotes, hard-earned experience, and down-to-earth language. Additionally, through helpful worksheets and exercises, The Big Payoff helps readers customize a plan that will work best for them and reap the most payback. It's never too late or too early to start, and now is the best time to start planning. Whether you are newlyweds or fast-approaching retirement, just starting a family or soon to be empty-nesters, this book is for you. After working hard to provide for your family, the reward of discovering your financial strength will be the peace of mind to enjoy your marriage, your family, and the rest of your lives together.

Lobbyist, White House Lawyer, and Senate Aide on the Power of America’s Plutocracy to Avoid Prosecution and Subvert Financial Reform Beginning in January 2009, THE PAYOFF lays bare Washington’s culture of power and plutocracy. It’s the story of the twenty-month struggle by Senator Ted Kaufman and Jeff Connaughton, his chief of staff, to hold Wall Street executives accountable for securities fraud, to stop stock manipulation by high-frequency traders, and to break up too-big-to-fail megabanks. This book takes us inside their dogged crusade against institutional inertia and industry influence as they encounter an outright reluctance by the Obama administration, the Justice Department, and the Securities and Exchange Commission to treat Wall Street crimes with the gravity they deserve. On financial reforms, Connaughton criticizes Democrats for relying on the very Wall Street technocrats who had failed to prevent the crisis and Republicans for staunchly opposing real reforms primarily to enjoy a golden opportunity to siphon fundraising dollars from the Wall Street executives who had raised millions to elect Barack Obama president. Connaughton, a former lawyer in the Clinton White House, illuminates the pivotal moments and key decisions in the fight for financial reform that have gone largely unreported. His arch, nonpartisan account chronicles the reasons why Wall Street’s worst offenses were left unpunished, and why it’s likely that the 2008 debacle will happen again.

Bestselling author Dan Ariely reveals fascinating new insights into motivation—showing that the subject is far more complex than we ever imagined. Every day we work hard to motivate ourselves, the people we live with, the people who work for and do business with us. In this way, much of what we do can be defined as being “motivators.” From the boardroom to the living room, our role as motivators is complex, and the more we try to motivate partners and children, friends and coworkers, the clearer it becomes that the story of motivation is far more intricate and fascinating than we’ve assumed. Payoff investigates the true nature of motivation, our partial blindness to the way it works, and how we can bridge this gap. With studies that range from Intel to a kindergarten classroom, Ariely digs deep to find the root of motivation—how it works and how we can use this knowledge to approach important choices in our own lives. Along the way, he explores intriguing questions such as: Can giving employees bonuses harm productivity? Why is trust so crucial for successful motivation? What are our misconceptions about how to value our work? How does your sense of your mortality impact your motivation?

Winner! 2012 Christian Small Publisher's Book of the Year in young adult (12-18) category. Add this book to your arsenal in the battle to remain pure! The most difficult task in the life of a Christian single today is maintaining purity until marriage. The payoff is perfect love and sex, just as our Creator intended. But if that’s so awesome, why aren’t more people choosing it? And how can premarital sex be so bad if so many people are doing it and loving it? People who were virgins when they married aren’t usually the type to kiss and tell. And when premarital sex goes wrong, no one wants to Tweet it. This awkward silence from both contingents isn’t helping the next generation to decide well on the issue of premarital sex. Purity’s Big Payoff/Premarital Sex is a Big Rip-off is a collection of 17 first-person narratives about successfully waiting for marriage to have sex – or not. Contributors on both sides of the issue candidly share in face-reddening detail what they learned on their way to the wedding bed. Young people aiming to remain pure will be encouraged and learn practical strategies for resisting sexual temptation. Those who wish they had waited will learn that it’s never too late to restore purity with God’s grace. (This book is two-faced. One side is dedicated to purity, then turned over and flipped upside down, the other side is dedicated to premarital sex. Thus the last page of the purity book is immediately followed by the last page of the premarital sex book, but upside down, and vice versa. Got it?)

This is the story of one of the youngest county prosecutors in the country whose mission was to finally end the system of vice and corruption that had infiltrated Seattle's police department, municipal departments, and even the mayor's office. In the late 1960s, Christopher T. Bayley was a young lawyer with a fire in his belly to break the back of Seattle’s police payoff system, which was built on licensing of acknowledged illegal activity known as the "tolerance policy." Against the odds, he became the youngest prosecutor in King County (which includes Seattle). Six months into his first term, he indicted a number of prominent city and police officials. Bayley shows how vice and payoffs became rules of the game in Seattle, and what it took to finally clean up the city.