A simple, straight-forward game plan for completely making over your money habits! Best-selling author and radio host Dave Ramsey is your personal coach in this informative and interactive companion to the highly successful New York Times bestseller The Total Money Makeover. With inspiring real-life stories and thought-provoking questionnaires, this workbook will help you achieve financial fitness as you daily work out those newly defined money muscles. Ramsey will motivate you to immediate action, so you can: Set up an emergency fund (believe me, you're going to need it) Pay off your home mortgage?it is possible. Prepare for college funding (your kids will love you for it) Maximize your retirement investing so you can live your golden years in financial peace Build wealth like crazy! With incentive exercises that really do exercise your spending and saving habits, Ramsey will get your mind and your money working to make your life free of fiscal stress and strain. It's a no-nonsense plan that will not only make over your money habits, but it will also completely transform your life.

This is the new compact hardcover edition of Mark Hearld's Work Book, the first collection of the artist's beguiling art. The artist Mark Hearld finds his inspiration in the flora and fauna of the British countryside: a blue-eyed jay perched on an oak branch; two hares enjoying the spoils of an allotment; a mute swan standing at the frozen water's edge; and a sleek red fox prowling the fields. Hearld admires such twentieth-century artists as Edward Bawden, John Piper, Eric Ravilious and Enid Marx, and, like them, he chooses to work in a range of media - paint, print, collage, textiles and ceramics. The works are grouped into nature-related themes introduced by Hearld, who narrates the story behind some of his creations and discusses his influences. He explains his particular love of collage, which he favours for its graphic quality and potential for strong composition. Art historian Simon Martin contributes an essay on Hearld's place in the English popular-art tradition, and also meets Hearld in his museum-like home to explore the artist's passion for collecting objects, his working methods and his startling ability to view the wonders of the natural world as if through a child's eyes.

Bob Books Set 3 adds something new for young readers. Consonant blends gently introduce new concepts to the progressing reader. Consistent vowel sounds and lots of three-letter-word practice mean your child continues to enjoy reading success. In addition to eight story books, two Activity Books are included, designed to entice youngsters to read, write, and solve puzzles. Inside this eBook youÕll find: - 10 easy-to-read books, 16 pages each - Many three letter words - An introduction to four and five letter words (one syllable) - An introduction to two syllable words - Can be "sounded out" (phonics based) - Limited sight words - 25 to 40 words per book

Make six classic garments and create a stylish multi-layered wardrobe from scratch. Full-size patterns are provided for a neat vest with a boxer back detail, an elegant bias-cut long-sleeved dress, a simple long gathered skirt with a drawstring waist, a batwing wrap top, an oversized drop-shoulder jacket and a pair of classic wide leg trousers. By choosing seasonal cloth, the versatility of these projects can be enjoyed from the first hint of spring to the end of winter. The aim of this book is to move beyond simplicity and dare the maker to develop new skills. With variations for tops, dresses, shorts and a coat, our precise step-by-step instructions and inspiring photography will enable you sew with confidence. The reward will be an all season, multi-layer wardrobe by your own hand. We hope you, the reader, are ready for this set of challenges and willing to pace yourselves through the more complicated garments. Full-size patterns for all six garments are included, ready to be traced off and put to good use immediately. Make fashion work.

"The Landscape Painter's Workbook takes a modern approach to the time-honored techniques and essential elements of landscape painting, from accomplished artist, veteran art instructor, and established author Mitchell Albala"--

Packed with the signature can-do attitude that makes beloved artist Danny Gregory a creativity guru to thousands across the globe, this unique guide serves up a hearty helping of inspiration. For aspiring artists who want to draw and paint but just can't seem to find time in the day, Gregory offers 5– to 10–minute exercises for every skill level that fit into any schedule—whether on a plane, in a meeting, or at the breakfast table—along with practical instruction on techniques and materials, plus strategies for making work that's exciting, unintimidating, and fulfilling. Filled with Gregory's encouraging words and motivating illustrations, Art Before Breakfast teaches readers how to develop a creative habit and lead a richer life through making art.

Begin the transformation of the Internal Audit function by applying Total Quality Management (TQM) concepts. The book, Total Quality Auditing, How a Total Quality Mindset Can Help Internal Audit Add Real Value, presents how to put TQM concepts to work in the world of Internal Auditing. The Total Quality Auditing (TQA) Six Points of Focus including Ethics and Culture, Standards of Conduct, Customer Feedback, Lean Auditing, Balance of Audit and Consulting and Internal Audit Leadership provide a framework that can be immediately applied to increase the value of Internal Audit through proactive steps to reduced risks and improved organization effectiveness. TQA is a new and refreshing approach that will change the way Internal Audit goes to work. TQA is a teachable moment for organization leaders, CEO's, CFO's, CAE's and Internal Auditors, not of how auditing is conducted today, but how it can be transformed in the future.