Not according to Jean Chatzky, one of the most popular personal-finance experts in the country, who has advised millions through her regular Today Show appearances and her columns in Money magazine. Now she shares the good news about a groundbreaking study she did with the Roper Organization; the Happiness Assessment. Her research shows that amount of money you make has surprisingly little to do with how financially happy you are. But the happiest people in America at all incorme levels tend to use the money strategies that Chatzky calls the "Ten Commandments of Financial Happiness." For instance, they pay their bills as they come in rather than all at one and minimize credit and debt. The bottom line: you have to pay attention to your money-and Chatzky shows you how to make the most of what you've got. But you certainly don't have to be rich achieve financial happiness. 作者简介：Jean Chatsky is the financial editor for NBC's Today show, has a monthly colomn in Money magazine, and is a featu

From the man the Wall Street Journal hailed as "theguru of Revenue Management" comes revolutionary ways to recoverfrom the after effects of downsizing and refocus your business ongrowth. Whatever happened to growth? In Revenue Management, RobertG. Cross answers this question with his ground-breaking approach torevitalizing businesses: focusing on the revenue side of the ledgerinstead of the cost side. The antithesis of slash-and-burn methodsthat left companies with empty profits and dissatisfiedstockholders, Revenue Management overturns conventionalthinking on marketing strategies and offers the key to initiatingand sustaining growth. Using case studies from a variety of industries, smallbusinesses, and nonprofit organizations, Cross describes no-tech,low-tech, and high-tech methods that managers can use to increaserevenue without increasing products or promotions; predict consumerbehavior; tap into new markets; and deliver products and servicesto customers effectively and efficiently

Book De*ion Managing Time delivers proven advice on how to get the right thingsdone - faster, smarter, and more efficiently From setting goals and breaking them down into tasks to creating amanageable schedule and putting it into action, this user-friendlyguide outlines proactive ways to focus on mission-critical tasks,eliminate or delegate non-priority projects, control interruptions,and avoid distractions. It is the essential guide to maximizing every manager's mostvaluable commodity. Key features Instructs readers how to: * Set goals and focus on high-priority tasks * Organize your space and save your time * Use scheduling tools that really work for you * Avoid distractions and control interruptions * Delegate effectively * Get more done in less time About Harvard Business School Press Since 1984, Harvard Business School Press has been dedicated topublishing the most contemporary management thinking, written byauthors and practitioners who are leading the way. Whether readersare seeking big-pict

Jean Chatzky has been working with viewers of NBC’s Today showfor a series on how to get out of debt once and for all. Hermethod, both on TV and in this book, is simple yet powerful: thekey is saving just $10 a day that you currently waste. It doesn’tsound like much—a movie ticket or lunch for two at McDonald’s— but$10 really can take you from debt to wealth in just a few years.And because it doesn’t feel like an impossible goal, people aremore likely to stick with Chatzky’s plan than an extreme regimen ofspending cutbacks. Chatzky is focusing on debt because it’s the single biggestthreat to our financial health. The average American family hassixteen credit cards and high-rate debt of more than $8000, noteven counting car loans and mortgages. They pay more than $1000 ayear in interest alone. Debt makes people feel depressed andoverwhelmed, leaving them without enough money for the trulyimportant things in life—education, retirement, owning a home,feeling secure. Chatzky,

Why do our headaches persist after we take a one-cent aspirinbut disappear when we take a fifty-cent aspirin? Why do we splurge on a lavish meal but cut coupons to savetwenty-five cents on a can of soup? When it comes to making decisions in our lives, we think we'remaking smart, rational choices. But are we? In this newly revised and expanded edition of the groundbreakingNew York Times bestseller, Dan Ariely refutes the common assumptionthat we behave in fundamentally rational ways. From drinking coffeeto losing weight, from buying a car to choosing a romantic partner,we consistently overpay, underestimate, and procrastinate. Yetthese misguided behaviors are neither random nor senseless. They'resystematic and predictable—making us predictably irrational.

12 ESSENTIAL BUSINESS PRINCIPLES TO CREATE MEANING, HAPPINESS, AND TRUE SUCCESS ROBERT MICHAEL FRIED After years of focusing on our career, it's easy to lose sight of what's important in the rest of our lives. Fortune 500 marketing strategist, Robert Michael Fried shows how the same skills and principles you've used to achieve professional success can help you reach your personal goals too - by creating A Marketing Plan for Life (Perigee Trade Paperback; January 2005; $15.95 U.S.). Fried advises us that the same strategies that result in having a good career can help us define what really matters most in our personal lives as well. Fried's twelve-point system helps the reader achieve a fuller, more balanced life/work plan: * Define the business you're in ( Figure out who you are and who you want to become. * Assess the market (Capitalize on your strengths. * Create "targets of opportunity" (Make your dreams a reality. A Marketing Plan for Life provides a definitiv

Every day on the job, you face common challenges. And you needimmediate solutions to those challenges. The Pocket Mentor Seriescan help. Each book in the series is packed with handy tools,self-tests, and real-life examples to help you identify yourstrengths and weaknesses and hone critical skills. Whether you'reat your desk, in a meeting, or on the road, these portable, conciseguides enable you to tackle the daily demands of your work withspeed, savvy, and effectiveness. The latest volume in the series: Fostering Creativity To survive in today's hypercompetitive climate, businesses mustinnovate constantly. Innovation hinges on creativity--generatingnovel and useful ideas. By fostering creativity in your team, youhelp unleash your company's innovative powers. But this requires adisciplined process for leveraging employees' unique experiences,thinking styles, and expertise.