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This textbook presents all aspects of climate system dynamics, on all timescales from the Earth's formation to modern human-induced climate change. It discusses the dominant feedbacks and interactions between all the components of the climate system: atmosphere, ocean, land surface, and ice sheets. It addresses one of the key challenges for a course on the climate system: students can come from a range of backgrounds. A glossary of key terms is provided for students with little background in the climate sciences, whilst instructors and students with more expertise will appreciate the book's modular nature. Exercises are provided at the end of each chapter for readers to test their understanding. This textbook will be invaluable for any course on climate system dynamics and modeling, and will also be useful for scientists and professionals from other disciplines who want a clear introduction to the topic.

• Sales Rank: #4336953 in Books
• Published on: 2015-08-10
• Original language: English
• Number of items: 1
• Dimensions: 9.96" h x .79" w x 6.97" l, 2.14 pounds
• Binding: Hardcover
• 373 pages

Review
"Hugues Goosse offers a brilliant introduction to climate dynamics and modelling. This comprehensive overview bridges the gap between classical, more focused textbooks on individual aspects of the wide ranging climate topic, thereby providing an excellent compendium for advanced undergraduate and early masters students in the field of climate science."
Martin Claussen, Max Planck Institute for Meteorology, Hamburg

"This is an outstanding new textbook - a superb introduction to climate dynamics and climate systems modelling. The book is tailored masterfully to suit commencing graduate students, spanning all components of Earth's climate, and including a comprehensive glossary and exercises. It is also an ideal reference book for all undergraduates whose degrees require a fundamental knowledge of climate system dynamics. The book is also an outstanding teaching resource - I highly recommend it to all practitioners."
Matthew England, Fellow of the Australian Academy of Science, University of New South Wales

"Climate System Dynamics and Modelling is a broad, graduate/advanced undergraduate level, introduction to the climate system. It covers important processes and drivers of the climate system. It also provides a nice description of modelling the climate system, forcing and feedbacks. It fills a gap between those books that focus on detailed geophysical fluid dynamics and a descriptive discussion of the climate system. Goosse's book covers a broad range of topics including a detailed description of how orbital changes affect Earth's climate, how to use climate models and key ideas such as radiative forcing and climate feedbacks. As expected, given Goose's interests, changes in Earth's climate on timescales from its formation, the last one thousand years and the near future are all covered. He also discusses how past climates can be inferred from proxies. I like the book for its broad coverage, accessible style and review exercises at the end of each chapter. Students using it as a textbook would need some mathematical skill."
Simon Tett, University of Edinburgh

"This is exactly the book I wish I had when I started to study climate change! The book is well illustrated and written in a language clear enough for non-specialists to understand the dynamics of the climate system, but also provides clues on numerical approaches and references useful to specialists. The book offers a comprehensive view of the forcing and mechanisms driving the climate, the Earth's energy budget, and the global hydrological and carbon cycles. It guides the reader towards modelling as a tool for understanding climate change, in response to external forcing or internal dynamics. It also gives an excellent overview of the state-of-the-art knowledge on climate change from the formation of the Earth to the last centuries. Furthermore, it proposes a critical view on anticipated changes in climate, ice and ocean in the near- to long-term future. Beyond its scientific content, the book is written in such a way that it is ideal as handbook for undergraduate and graduate classes in the Earth sciences. In brief, Climate System Dynamics and Modelling by Hugues Goosse is a remarkable work that will serve as a reference for years!"
Anne de Vernal, Université du Québec, Montréal

About the Author
Hugues Goosse is senior research associate with the Fonds National de la Recherche Scientifique (F.R.S.-FNRS-Belgium) and professor at the Université Catholique de Louvain in Belgium. He teaches climate related topics to students from a wide range of backgrounds, including physics, geography, engineering, bioengineering, biology, Earth and environmental sciences, and philosophy. His research is mainly devoted to the development of climate models, model-data comparison and the application of models to study past, current and future climate change, analyzing both natural variability and the response to human-induced perturbations. He is currently editor and former co-chief editor of the journal Climate of the Past. He has contributed to several international programs and assessment reports, in particular to the Fourth and Fifth Assessment Reports of the Intergovernmental Panel on Climate Change (IPCC).

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• Sales Rank: #4363596 in Books
• Published on: 1989-08-17
• Ingredients: Example Ingredients
• Original language: English
• Number of items: 1
• Dimensions: 10.25" h x .12" w x 9.06" l,
• Binding: Paperback
• 48 pages

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My review of this book was fantastic
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"Intense and extraordinary."—Spectator

The once prosperous outback town of Tourmaline is dying, gripped by drought. The remaining townspeople have little to do but drink. When a mysterious water diviner emerges from the desert, many are drawn to his teachings.

• Sales Rank: #17087860 in Books
• Published on: 2016-06-14
• Original language: English
• Number of items: 1
• Dimensions: 7.70" h x .80" w x 5.00" l, .43 pounds
• Binding: Paperback
• 288 pages

About the Author
Julian Randolph ‘Mick’ Stow was born in Western Australia, in 1935. His third novel To the Islands won the 1958 Miles Franklin Literary Award. Stow never allowed its two predecessors to be republished.
He lived in the US on a Harkness fellowship in the 1960s. Stow died in 2010.

Gabrielle Carey is a writer of non-fiction, essays and articles. Her most recent book, 'Moving Among Strangers', was the joint winner of the 2014 Prime Minister's Literary Award for Non-Fiction. She lectures in the Arts Faculty at University of Technology, Sydney.

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Freedom!

Eliza and her baby, running across the ice. Selena and Cornelia Jackson, masquerading as boys. Henry Box Brown, shipping himself north in a wooden crate. Jane Johnson, risking everything to testify against her former owner in court. Ellen Craft, posing as her husband's owner.

Escaping from slavery against overwhelming odds, these people were helped by courage, ingenuity, and the informal network known as the Underground Railroad. Here are their gripping stories, told by Doreen Rappaport, illustrated by Charles Lilly, and accompanied by information about slave laws of the era, key Underground Railroad leaders, and a bibliography.

• Sales Rank: #500122 in Books
• Brand: Rappaport, Doreen/ Lilly, Charles (ILT)
• Published on: 1998-12-15
• Released on: 1998-12-15
• Original language: English
• Number of items: 1
• Dimensions: 7.63" h x .26" w x 5.13" l, .20 pounds
• Binding: Paperback
• 128 pages

From Publishers Weekly
In a starred review, PW praised this "concisely wrought volume"; five 18th- and 19th-century slaves attain freedom in these "inherently suspenseful accounts." Ages 9-12.
Copyright 1999 Reed Business Information, Inc.

From School Library Journal
Grade 4-7-- Five stories of slaves who escaped along the Underground Railroad prior to the Civil War through a variety of means. In one of the episodes, Henry Brown shipped himself as freight to Philadelphia, arriving exhausted but free. The book contains a great deal of fictionalization of thoughts, feelings, etc.--but it is all based on primary-source material, some written by the escapees themselves. Rappaport doesn't delve into the moral or political issues behind slavery; her intent is simply to show how some of its victims eluded their captors. There is an excellent bibliography, with a mix of primary, secondary, and juvenile materials. Each chapter has one black-and-white drawing. A good accompaniment to school units on the Civil War or slavery that will also be read by those who like biographies. --Elizabeth M. Reardon, McCallie School, Chattanooga, TN
Copyright 1991 Reed Business Information, Inc.

About the Author

Doreen Rappaport is well known for her groundbreaking approach to multicultural history and literature for young readers. Her many books include Victory or Death: Stories of the American Revolution; We Are The Many: A Picture Book of American Indians; and Martin’s Big Words, winner of the Jane Addams Book Award. She and her husband divide their time between New York City and a rural village in upstate New York.

Doreen Rappaport is the author of several children’s books, including American Women: Their Lives in Their Words, and Trouble at the Mines, an Honor Book for the 1988 Jane Addams Children’s Book Award.

Charles Lilly taught at New York’s School of Visual Arts for seventeen years. He has illustrated many books for children, including Freedom: A Story of the Underground Railroad.

Most helpful customer reviews

7 of 7 people found the following review helpful.
I think that this was an interesting book to read
By A Customer
I am a 7th grader who was assigned this book to read as a summer reading project by my future teacher. After reading many different books on the life experiments of slaves durning the Civil War, I found this book interesting. It is about five slaves and how they managed to escape slavery. It show how brave each one of these people were in their own way. It also show how the Underground Railroad worked to help them in their escape of the in human lives that they were living along with the abuse that they suffered. The most interesting person of the five was Eliza, she also was fighting for the freedom of her baby Caroline. I think that the danger of the escape was harder for her because she was more worried about her daughter and what could happen to both of them if they were to get caught.This book kept me interested because it tells of the feeling that each one of the slaves is feeling and how they handle the next travel from one place to another. I liked the reading of the adventures that they had and how in the end they needed to adjust to a new kind of life.

0 of 0 people found the following review helpful.
Easy to read.
By susieq
This book is easy to read and is great for kids.I had never heard of Eliza and her escape through the icy night to a free state.The other narratives are just as great! When we read we can learn some thing new every day.

0 of 0 people found the following review helpful.
Great book!
By Stephanie McC
This is a great book for my middle school Social Studies classes. The stories are just the right length to keep my students' attention and it fits in my curriculum.

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happens. He meets a young girl who first captivates him then dominates him
completely and events quickly unfold beyond his understanding or control. His
Nemesis leads him, through his compulsion and complicity along a dark and
decadent sexual path quickly affecting his naïve young wife Tina who is drawn in and taken to the very edges of sanity.

Another powerfully, highly-charged
erotic tale from the imagination of Daisy Boon, the rising star of 'new
erotica'. Author of 'Descent into Servitude', 'Strange Change', and 'The Gender
Experiment'

• Sales Rank: #1147109 in eBooks
• Published on: 2012-10-24
• Released on: 2012-10-24
• Format: Kindle eBook

Most helpful customer reviews

2 of 2 people found the following review helpful.
Teenaged Temptress Enslaves Her Friend's Father and Deconstructs His Life
By CagedMitch
This is the story of a man who encounters his daughter's beautiful 18-year old friend Jo, who is immediately rude to him and disdainful of him. She's so beautiful and domineering, that he can't bring himself to argue with her. She's staying at his place for a while (along with the man's daughter, who normally lived with her mother, his ex-wife), until some problem at her home is fixed. Jo gets along famously with the man's younger wife Tina, and his daughter Bobbie and, although she makes the man feel small, he can't help but fantasize about what was under her tights and knickers.

The man finds a pair of discarded pantyhose with a pair of white panties inside them laying across a pipe. He knows that they belong to Jo, and he can't resist raising them to his face and inhaling deeply. That's how Jo finds him, with his nose in her worn panties. She calls him a little pervert, and wonders aloud what his young wife would think. Then she tells him to sniff them again. She tells him that he has two seconds to put the panties on, to cover his tiny little manhood with them, or she's going to expose and ruin him. Then she makes him put on the pantyhose, and tells him that with his long hair, he looks like a pretty girl. She orders him to kneel, and to play with himself, while he tells her what he would like to do to her. He tells her he wants to kiss her down there, to worship her. She allows him to kiss her crotch through her tight blue pants, and he comes in her panties. If he's a good panty boy, she tells him, she may let him see it one day.

She tells him to take off her panties and her hose and hand-wash them for her, and replace them on the pipe where he found him. He is to hand-wash all of her underwear for her while she stays here.

The man tries to have sex with his wife Tina, but he comes almost immediately, as he thinks of Jo. Tina tells him that he's pathetic, and looks at him with contempt.

As the story progresses, Jo's torment of the man intensifies, and her influence over the women in his life increases. Soon, he's calling her Miss, running baths for her, and getting her off with his mouth. She tells him that his wife is a slut, that she wants to have sex with young studs, and that he was going to encourage her to do so.

Jo proceeds to feminize the man, and to fill his wife's head with thoughts of virile young men lusting after her body. The man is drawn ever deeper into Jo's web, and it isn't clear if his relationships with his wife and daughter will survive what she has planned for him.

This is a terrific read.

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Teenage NEMESIS: An Overwhelming Obsession, by Daisy Boon PDF
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[U461.Ebook] Download Ebook All-Mountain Skier : The Way to Expert Skiing, by R. Elling

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All-Mountain Skier : The Way to Expert Skiing, by R. Elling

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The books All-Mountain Skier : The Way To Expert Skiing, By R. Elling, from simple to complex one will certainly be a really valuable works that you could take to change your life. It will certainly not provide you unfavorable declaration unless you don't obtain the significance. This is surely to do in reviewing a book to conquer the definition. Commonly, this book qualified All-Mountain Skier : The Way To Expert Skiing, By R. Elling is checked out due to the fact that you really similar to this type of e-book. So, you could get much easier to recognize the perception and also definition. Once longer to consistently bear in mind is by reviewing this publication All-Mountain Skier : The Way To Expert Skiing, By R. Elling, you can satisfy hat your curiosity start by completing this reading book.

"Covers more information than a week's worth of private lessons."­­Ski magazine

The All-Mountain Skier helps skiers advance their skills with a foolproof, self-instructional program for mastering advanced techniques in even the most challenging conditions. Drawing from his extensive experience as a ski professional, instructor Mark Elling delivers essential advice and information­­including tips from other expert skiers­­to help readers perform like pros.

• Sales Rank: #262544 in Books
• Color: Red
• Published on: 2002-10-17
• Released on: 2002-10-17
• Original language: English
• Number of items: 1
• Dimensions: 9.30" h x .36" w x 7.30" l, 1.06 pounds
• Binding: Paperback
• 240 pages

Review
"Covers more information than a week's worth of private lessons." - Ski Magazine

From the Back Cover

"Covers more information than a week's worth of private lessons."--Ski magazine

The All-Mountain Skier takes you to the most difficult places on the mountain--bumps, steeps, and trees--and helps you conquer them. If you yearn for speed, gravity-defying jumps, or fluid grace on challenging terrain, here is your step-by-step guide to becoming an expert all-mountain skier.

This second edition contains all the information you need on the latest equipment--including shaped skis, boots, bindings, and footbeds--to perform like a pro on crud, hardpack, powder, and ice.

"Wow! This book can help you conquer the steeps of Valdez, the peaks of the Alps, the powder of Alta, and everything in between. A blizzard of information that will truly change the way you ski."--Gordy Peifer, U.S. (2000) and Canadian (1998) Freeskiing Champion, ski film star

About the Author

R. Mark Elling is certified by the Professional Ski Instructors of America as a Level III Alpine Instructor and Level II Backcountry Guide. He has worked full-time in the ski industry since 1989, including six seasons as a guide at Mount Bailey Snowcat Skiing and assistant director of the ski school at Montana Snowbowl. Since 1996, he has been a product test for Ski and Skiing magazines, and he helps teach professional bootfitting seminars for Masterfit University. He has written articles for Skiing, The Professional Skier, and many other travel and sports publications.

Most helpful customer reviews

40 of 42 people found the following review helpful.
A resource for the advanced skier
By A Customer
This book is great. A beginner or even an intermediate may find much of the information to be too advanced to be useful. Advanced skiers should find it to be an excellent resource.
The book, among other things emphasizes the importance of steering, espescially in the important transition phase between turns. (Intermediate and even advanced skiers who learn how to edge effectively, often abandon their steering skills and simply step from the outside edge of one ski to the outside edge of the other ski.) The mechanics of effective steering are explained well as is the importance of the skill in more difficult terrain.
Fundamentals are emphasized. The modifications and different blends of skills which are required on moguls, powder, crud, steeps, ice and in the trees are also explained very well.

32 of 33 people found the following review helpful.
The definitive ski instruction book
By dasn0wman
This book is amazingly comprehensive for its size. It is roughly two-hundred pages, yet it breaks down the essentials of making good turns, contains an in-depth look at each ski equipment and how to maintain it, and breaks down special techniques for various snow conditions (powder, moguls, etc). If this isn't enough, there is a more technical section at the end for serious ski freaks. This is nuts. I also have the book, "Ski the Whole Mountain", and it probably has only half the information this book has.
At first glance, you may not like this book because it is black and white and not as flashy as "Ski the Whole Mountain". Also, most of the pictures are hand-drawn illustrations. However, upon reading it, you will be hypnotized and the black and white illustrations seem to almost come alive. It is testimony to the fine writing by the author.
If you ever want to ski moguls, this is the book. For years, I look at expert mogul skiers go down and I keep saying to myself that they must have some special paths they follow but I just don't know what. Well, this book draws the path, the moguls, the works!
This is an amazing book and probably the only book you need to ski like a pro. But I read "The Skier's Edge", and that book actually contains even more technical information (if that's possible) so you may want to check that one as well.

31 of 33 people found the following review helpful.
Great approach to all-terrain skiing
By A Customer
Highly recommended book for any skier who aspires to the Holy Grail of being able to ski in all kinds of terrain, in any condition. This book is most suitable for intermediate to advanced skiiers who are hoping to make the progression to all-terrain skier one day.
It's often very difficult to pay attention to all of the different skills needed to ski well at the same time. Mr. Elling uses a "toolbox" approach to break down each skill, and recommends specific drills to strengthen one's abilities in each skill.
Where this book really shines, though, is Elling's explanation of how these different skills should be combined in order to tackle different types of terrain and/or snow condition. Many ski instruction books out there are written with the goal of teaching you how to ski expertly...on perfectly groomed snow. But the skills that apply to Eastern hardpack/ice (edging, pressure on single ski, etc.) do not apply to Utah powder (even weighting on both skis) and Mr. Elling spells out the differences better than anyone else I have come across.
Also a useful section on ski equipment and boot fit that correctly drives home how important good boot fit is to effective skiing.
Overall an excellent book that anyone who wants to stray off the corduroy should take a look at.

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[A410.Ebook] Download Smart Couples Finish Rich: 9 Steps to Creating a Rich Future for You and Your Partner, by David Bach

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From first-time newlyweds to people on their second or third marriage, couples face an overwhelming task when it comes to money management. Nationally renowned financial advisor and bestselling author David Bach knows that it doesn’t have to be this way. In Smart Couples Finish Rich, he provides couples with easy-to-use tools that cover everything from credit card management, to investment advice, to long-term care. You and your partner will learn how to work together as a team to identify your core values and dreams, creating a financial plan that will allow you to achieve security, provide for your family’s future financial needs, and increase your income. Together, you’ll learn why couples that plan their finances together, stay together!

• Sales Rank: #16028 in Books
• Color: clear
• Brand: PBS
• Model: 01
• Published on: 2002-01-08
• Released on: 2002-01-08
• Ingredients: Example Ingredients
• Original language: English
• Number of items: 1
• Dimensions: 7.78" h x .69" w x 5.21" l, .53 pounds
• Binding: Paperback
• 320 pages

Features

• Great product!

Amazon.com Review
Like many savvy business people of the 21st century, David Bach offered his first pearls of financial wisdom to women, in his bestselling book Smart Women Finish Rich. Recognizing that these women are often accompanied by significant others and that money arguments are the number one cause of divorce in America, Bach has now broadened his scope. Presumably intended to help change this depressing statistic, Smart Couples Finish Rich is a well-written financial planning tool, packed with useful charts and information, inspiring examples, and practical advice.

For people who've been disappointed by the shallowness of some of the "quick tips" self-help books out there, the subtitle of this book is a little misleading. Bach's nine steps are not instant change techniques or chirpy little quips to recite to yourself whenever you go to balance your checkbook. Instead, the first few steps include a series of exercises that will help you determine what you know (and don't know, or understand) about saving and investing, what role money should play in your life (which includes understanding your values), and how to work together toward a common financial goal. From there, Bach teaches his readers how to account for "disappearing" money, how to build retirement, security, and dream baskets of wealth (providing detailed options for all three), and how to avoid the most common financial mistakes most couples make. Though the focus of the book is predominantly on working with your existing income, Bach includes a final chapter entitled "Increase Your Income by 10 Percent in Nine Weeks."

Bach's writing style is engaging and his advice is user-friendly. A successful financial planner, he obviously believes passionately in all the "fringe" benefits of being financially responsible but employs a no-nonsense approach that makes financial smarts available to everyone. So whether you're 25 and just starting out on the earning, saving, and spending road or you plan to retire next year; whether you've recently got hitched for the first time or you've just entered your fourth marriage; and whether financial planning comes first or last on your list of fun things to do, the advice in Smart Couples Finish Rich is worth heeding. It's not about becoming a money-obsessed bore, it's about getting smart... and rich. --S. Ketchum

From Publishers Weekly
Bach, author of the bestselling Smart Women Finish Rich and host of a popular PBS series, offers his advice on how couples can keep their financial lives in sync. Familiar financial strategies on routine concerns, such as investments, retirement and insurance, form the bulk of the book. However, Bach's work does distinguish itself in one critical area: Bach believes that all couples (gay and straight, married and unmarried) need to identify values as well as goals as their first step toward achieving financial security. As he explains, values have to do with "being" (e.g., security, health, spirituality, fun), while goals are related to "doing" and "having" (e.g., playing golf regularly, taking frequent vacations, retiring with a million dollars). Moreover, he avers, not only is money management an issue that couples should plan and work on together, it is one that they should talk about, in a positive way, all the time. For example, Bach firmly believes that all couples need to be aware of their spending (what he calls the "latt‚ factor," or being more conscious of the regular little purchases they make each day) in order to make positive changes in their financial lives. Agent, Jan Miller. (On-sale date: Mar. 6)Forecast: Given Bach's previous success and the support of a five-city author tour and 22-city radio satellite tour, this book will quickly move toward bestseller lists, though its ho-hum approach doesn't mark it as a future evergreen paperback.

Copyright 2001 Cahners Business Information, Inc.

From Booklist
Most books on personal finance now emphasize the need to assess the true purpose of money in one's life. This is difficult enough to do for oneself. For couples, though, it can be disastrous when mates discover that their attitudes about money do not mesh. Bach, who is the author of Smart Women Finish Rich: 7 Steps to Achieving Financial Security and Funding Your Dreams (1999), reports that fights about money are the main reason couples divorce in the U.S. Bach asks readers to examine their values jointly and shows the benefit of "align[ing] spending habits with . . . values." He emphasizes saving and makes a key point that when couples save together, the rewards are compounded. Bach then offers the "three-basket" approach to personal money management, recommending that money be set aside for retirement, security, and transforming dreams into reality. He concludes by identifying some of the "most glaring financial mistakes couples make" and offering specific techniques for "growing your income by 20%" during the next year. David Rouse
Copyright © American Library Association. All rights reserved

Most helpful customer reviews

227 of 235 people found the following review helpful.
CPA or not, this is THE financial book for couples
By M. Verdi
I enjoy reading books on retirement planning and asset management. My ex-wife did not. I like to pay the bills, live by a budget, and do the household bookkeeping. She did not. I never got my Ex to read this book, though I tried. However, I still believe that this book is a great straightforward resource if you want to learn about saving and investing, building a nest egg for retirement, and having the financial independence to realize dreams, AS A COUPLE. I found this book very easy-to-read and informative, and planned to use it often for future reference. As a CPA and Certified Financial Planner, I am accustomed to reading finance books and articles that are loaded with technical jargon. However, David Bach presents this information in a much more refreshing manner, and in a way that is easy for those unfamiliar with financial terminology, to understand. It gives you a wealth of information about 401(k)s, life insurance, trusts, wills, mutual funds, DRIPs, and much more. Most importantly, Smart Couples Finish Rich emphasizes personal financial planning and management as practically a lifestyle, not just an exercise or process. It shows you how to determine, as individuals and as a couple, what values you hold dear and how your view of money, investing, consumption, etc., should be aligned with your values. It really helps the reader to see that everything that one does in his or her life is a reflection of their values, including how one plans and manages his/her financial future. I highly recommend this book to those couples who are looking for an effective tool to learn more about personal finance and how to provide for their rich future together.

Ironically, my ex-wife refused to give me my book when we were going our separate ways. I guess I will purchase a new one, since I now have someone I can actually share it with.

128 of 134 people found the following review helpful.
Very helpful; much of it timeless advice
By DNP
There were three things I especially liked about this book.
The first was the way the author presented the fact that small things do add up. In the beginning of the book, he states that most people overestimate (financially) what they can accomplish in a year and underestimate what they can accomplish over many years. He includes graphs that illustrate this dramatically.
The second was the chapter on values. This chapter had a number of exercises for each partner to complete independently. Then, together, they can begin to draft a plan for their finances that embraces the values they each hold most closely. If the financial plan is customized to fit the values of the particular couple, taken together, it makes all the sense in the world that it will be easier and more satisfying to LIVE with that plan and carry it out over time (without either of the partners sabotaging the plan).
The third is somewhat tied into the first point I mentioned. It is a chapter called "The Couples Latte Factor." This chapter discusses "small," daily expenses and how, if a couple decides to eliminate or reduce even one or two of these daily expenses and invest that money instead, it can result in a lot of money, over time. This and most of the other chapters include real-life examples of couples whose experiences illustrate the principles being discussed.
I recognized the value of all of this advice right away as I was reading it, but initially felt a bit overwhelmed, thinking: "This is great, but how am I going to do it ALL?" Because I imagine that other people may have the same feelings, I will share the answer we ended up coming up with. A little at a time. I still haven't gotten up to investing 10% of my income in my company's 401(k), but as a couple, we ARE very near to reaching our goal of setting aside a year's worth of expenses in an emergency account and we HAVE adjusted the amount of life insurance we carry and had estate documents drafted by an attorney. Once we do have the complete year's worth of expenses set aside, I'll change my 401(k) investment to 10%.
Is this the order Mr. Bach or another financial planner would advise us to do things in? I don't know. I DO know that doing things the way we have, gradually following more and more of his advice has GOT to be better than being paralyzed and doing nothing...which is what we would have been in danger of doing if we hadn't taken it a little at a time.
A book I would recommend in conjunction with this is The Laws of Money, the Lessons of Life by Suze Orman.

62 of 65 people found the following review helpful.
STRONG, SOUND ADVICE!
By Sandra D. Peters
Investing for your future is sound, strong advice at any age. As a teacher of business management and having counselled an overwhelming number of people in the area of finance, I believe investing is particularly critical for young people today. I am so happy to read that previous reviewers, in their twenties, have learned from this book and are planning for their future. If you are starting your career and in your twenties, now is the time for financial planning, even though you might not be able to put a lot of money aside, "every penny saved, is a penny earned."
There are many books on the market today on investing and financial planning. Some I would highly recommend, others are not worth the time it takes to read the book - save the money you would spend on those "guaranteed get rich quick books" and invest the money where it will guarantee a return. "Smart Couples Finish Rich" is filled with a wealth of information on money management, retirement accounts, living trusts, types of insurance and investing in general. After reading it, you will be better equiped to manage your money and save for the future. That not only makes "smart cents," it makes smart sense. Hopefully, with some financial peace of mind and stability, couples will not only finish rich, they will finish rich... together!

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