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Praise for BILLIONS OF DROPS in MILLIONS OF BUCKETS «Billions of Drops in Millions of Buckets provides a bracing and original look at philan-thropy that offers a much-needed corrective to conventional wisdom. Steve Goldberg combines a resolve to understand why so much philanthropy accomplishes so little enduring social change with a timely and serious proposal to reinvigorate nonprofit capital markets through the simplest of insights: getting more of the money to where it can do the most good. This book will change how forward-looking philanthropists, foundations, and policymakers think about the relationship between charitable giving and the transformative capacity of social entrepreneurs.» —Jerr Boschee, founder and Executive Director, The Institute for Social Entrepreneurs; Visiting Professor of the Practice in Social Enterprise, Carnegie Mellon University «Goldberg's arguments are logical next steps in the rapidly evolving discussion of social capital markets. He offers ambitious proposals informed by the reality of current practices and focused on an achievable set of goals. He fully recognizes the potential for restructuring that is inherent in this time of financial hardship. Real change relies on big ideas, and Steve Goldberg offers us several.» —Lucy Bernholz, author of Creating Philanthropic Capital Markets: The Deliberate Evolution «When I first heard about 'evidence-based medicine,' I thought: 'you mean it isn't?' Read this book and that's how you'll feel about 'performance-based philanthropy.' Goldberg takes some of the best current management thinking and applies it to social enterprise, illuminating both the encouraging successes of social entrepreneurs and the barriers they face. Even better, he presents compelling ideas for making the social sector vastly more effective.» —Christopher Meyer, Chief Executive, Monitor Networks «Goldberg calls for more 'performance-driven philanthropy,' where nonprofits are rewarded based on their results, in place of the current dysfunction. It is an important call and a valuable contribution to discussions about how to improve nonprofits in the U.S. and internationally.» —Martin Brookes, Chief Executive, New Philanthropy Capital «Billions of Drops… is a must-read romp through emerging fields of social entrepre-neurship and nonprofit capital markets.» —George Overholser, founder and Managing Director, NFF Capital Partners

Investors, shell-shocked by the «Great Recession» of 2008-2009, are looking for answers, for something fresher than the old 'buy-and-hold' mantra. They hunger for stability, yet yearn for growth to rejuvenate their battered portfolios. Ray Lucia's The Buckets of Money Retirement Solution: The Ultimate Guide to Income for Life provides just that—a reassuring and scientifically proven strategy that gives investors both growth and income. Lucia, a Certified Financial Planner who's helped thousands of people invest more than $2 billion, explains how to spend down 'safe' buckets (containing, for example, Treasuries, CDs, bonds), while leaving a riskier bucket (real estate, stocks and alternative investments) to grow long-term. This strategy shields investors from the short-term ups and downs of the market. And it gives them the courage and discipline to stay invested no matter what the future holds. Written in a breezy, accessible style and loaded with tons of examples and clear, specific calculations, the book explains how to set your financial goals, divvy up your money accordingly, and then invest intelligently. With this book as your guide, readers will learn how to achieve both income and growth while at the same time reducing risk. «All in all,» Lucia writes, «this plan is akin to a sports car that seats six, approximating the best of both worlds. In this case by being a conservative strategy that’s also growth-oriented.» Almost every kind of investment—stocks, bonds, commodities, real estate—plunged in the past year or two, turning off millions of investors who'd been planning for and counting on a reasonably comfortable retirement. These retirees or near-retirees need solutions … something fresher than the old 'buy-and-hold' mantra. Yet here's what they hear from the financial-services industry: Set up an asset-allocation model, then take a systematic withdrawal to support your retirement … remembering, of course, to rebalance the accounts to remain in sync with the model. Wrong! That maximizes the advisors' fees but doesn't protect the investors' assets during the tough times.

The first book to reveal the vulnerabilities and security issues that exist in the sites that have been built with Drupal?and how to prevent them from continuing Drupal is an open source framework and content management system that allows users to create and organize content, customize presentation, automate tasks, and manage site visitors and contributors. Authored by a Drupal expert, this is the first book to reveal the vulnerabilities and security issues that exist in the sites that have been built with Drupal?and how to prevent them from continuing. The main goal of this guide is to explain how to write code that avoids an attack in the Drupal environment, while also addressing how to proceed if vulnerability has been spotted and then regain control of security.

A proven way to financially prepare for retirement Are you wondering if you can make your retirement savings last? Concerned about inflation reducing your purchasing power? Worried about the stock market's violent swings? In Buckets of Money: How to Retire in Comfort and Safety, nationally recognized Certified Financial PlannerTM and radio personality Ray Lucia offers you a smart and conservative way to protect and grow your nest egg-so you can enjoy a comfortable retirement without worrying about your money running out. Developed by Lucia over his thirty-year career as a financial planner, the «Buckets of Money» technique is a proven way to achieve both income and growth, while guarding against the ravages of inflation. Buckets of Money is filled with in-depth insights and practical advice that will help you assess your retirement situation, save the money you need to last your entire lifetime, and adjust your plan to good times and bad. Regardless of your age, income, net worth, or investment experience, you need to have a solid plan for your retirement years. Buckets of Money provides you with such a plan, and shows you the best way to implement it.

Praise for Cathy Hopkins:‘Warm, wise and full of heart’ Lucy Diamond‘Funny and feelgood’ Good Housekeeping‘Warm, funny and uplifting’ Reader’s DigestWhen a boxset of Broadchurch is more appealing than having sex with your husband, then perhaps it’s time to hide the remote…Cait and Matt have been married for 30 years. They are rock solid. An inspiration to others. Stuck together like glue. But Cait can’t shake off the feeling that something is missing. The whole world should be their oyster now that Matt has retired, so why does she feel shut up like a clam?Things get more complicated when Tom Lewis, the man who broke her heart at university, makes a reappearance – still as charming as ever. Her friends, widow Lorna and newly-single Debs, have their own views of what Cait should do – but she isn’t in the mood to listen.When Tom makes Cait an unexpected offer, Cait feels the pull of a different life. Has she got the guts to take the plunge, or does it take more courage to give her marriage another chance?Funny and thoughtful, this is a book for anyone who ever wondered . . . what if?