Shift How Top Real Estate Agents Tackle Tough Times Paperback

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SHIFT: How Top Real Estate Agents Tackle Tough Times (PAPERBACK)

Gary Keller,Dave Jenks,Jay Papasan
SHIFT How Top Real Estate Agents Tackle Tough Times PAPERBACK Book PDF

Author : Gary Keller,Dave Jenks,Jay Papasan
Publisher : McGraw Hill Professional
Page : 326 pages
File Size : 55,9 Mb
Release : 2008-07-31
Category : Business & Economics
ISBN : 9780071605274

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SHIFT: How Top Real Estate Agents Tackle Tough Times (PAPERBACK) by Gary Keller,Dave Jenks,Jay Papasan Pdf

NEW YORK TIMES BESTSELLER WALL STREET JOURNAL BUSINESS BESTSELLER USA TODAY MONEY BESTSELLER "Tough times make or break people. My friend Gary teaches you how to make the tragic into magic. Read & reap from this great book." --Mark Victor Hansen, Co-creator, #1 New York Times best selling series Chicken Soup for the Soul Co-author, Cracking the Millionaire Code, The One Minute Millionaire, and Cash in a Flash. Author, Richest Kids in America "Real estate buyers and sellers have to SHIFT their mindset to new and more creative strategies in this challenging real estate market. This book shows them excellent ways to survive and thrive." --Robert Allen, author of the New York Times bestsellers Nothing Down, Creating Wealth, Multiple Streams of Income and The One Minute Millionaire. "Change happens. It's natural. It's ever present. It's reoccurring. So when markets shift you need to as well. No one explains this better in the real estate industry than my good friend Gary Keller and his team of talented co-authors. Their latest book, SHIFT, is perfect for all real estate professionals. It captures the very essence of a shifting housing market and what Realtors need to do to thrive therein. SHIFT will help you alter your focus and your actions to ensure that you get your head back in the game and increase your market share, irrespective of strong or weak market conditions. It's a great book – read it today." --Stefan Swanepoel, author of Swanepoel TRENDS Report, 2006-2009 "Need help weathering the storm in today's real estate market? If so, reach for Gary Keller's new book, Shift-- it's the lifesaver you need today to thrive tomorrow. Shift is rich in easy-to-understand strategies, charts, and illustrations that show you exactly what you need to do to thrive in today's very challenging and 'shifted' real estate market." --Bernice Ross, Inman News The Millionaire Real Estate Series More than 1,000,000 copies sold! SHIFTS happen... Markets shift, and you can too. Sometimes you'll shift in response to a falling market, and other times you'll shift to take your business to the next level. Both can transform your business and your life. You can change your thinking, your focus, your actions, and, ultimately, your results to get back in the game and ahead of the competition. The tactics that jump-start your business in tough times will power it forward in good times. No matter the market-shift! SHIFT explores twelve proven strategies for achieving success in any real estate market, including Master the Market of the Moment: Short Sales, Foreclosures, and REOs Create Urgency: Overcoming Buyer Reluctance Re-Margin Your Business: Expense Management Find the Motivated: Lead Generation Expand the Options: Creative Financing

SHIFT Commercial

Jay Papasan,Buddy Norman
SHIFT Commercial Book PDF

Author : Jay Papasan,Buddy Norman
Publisher : Bard Press
Page : 303 pages
File Size : 52,5 Mb
Release : 2023-12-05
Category : Business & Economics
ISBN : 9781959472148

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SHIFT Commercial by Jay Papasan,Buddy Norman Pdf

Real estate shifts are easier to recognize than they are to acknowledge. One day job growth is beginning to stall and, seemingly overnight, vacancies are on the rise. Tenants start asking to downsize. Commercial property valuations level off. Negative news stories feed the worries of buyers and tenants. New development halts. Fear creeps in. Then, the market that was quietly losing ground goes into full retreat as tenant delinquencies turn into owner delinquencies and lenders sever lines of credit. Rents go into a free fall as owners scavenge for income to offset a rising tide of red ink. Deals unravel. Buyers and tenants hunker down to wait for a steal. Bankruptcies mount. Eventually, big commercial real estate owners start selling their companies or simply close their doors. Credit freezes up. Banks begin to shut down... Sound familiar? If you've been in the business for any length of time, it should. SHIFT Commercial provides proven models, tactics, and insights from top commercial brokers who are thriving in this market, including Find the Motivated - Lead Generation; Get to the Table - Lead Capture and Conversion; Catch People in Your Web - Internet Lead Conversion; Expand the Options - Creative Financing; Master the Market of the Moment - Identify and Establish Needed Expertise...and so much more. Real solutions for real agents in commercial real estate.

The Millionaire Real Estate Agent

Gary Keller,Dave Jenks,Jay Papasan
The Millionaire Real Estate Agent Book PDF

Author : Gary Keller,Dave Jenks,Jay Papasan
Publisher : McGraw Hill Professional
Page : 370 pages
File Size : 53,5 Mb
Release : 2004-04-01
Category : Business & Economics
ISBN : 9780071502085

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The Millionaire Real Estate Agent by Gary Keller,Dave Jenks,Jay Papasan Pdf

Take your real estate career to the highest level! "Whether you are just getting started or a veteran in the business, The Millionaire Real Estate Agent is the step-by-step handbook for seeking excellence in your profession and in your life." --Mark Victor Hansen, cocreator, #1 New York Times bestselling series Chicken Soup for the Soul "This book presents a new paradigm for real estate and should be required reading for real estate professionals everywhere." --Robert T. Kiyosaki, New York Times bestselling author of Rich Dad, Poor Dad The Millionaire Real Estate Agent explains: Three concepts that drive production Economic, organizational, and lead generation models that are the foundations of any high-achiever's business How to "Earn a Million," "Net a Million," and "Receive a Million" in annual income

Millionaire Real Estate Agent - Success in Good Times and Bad (EBOOK BUNDLE)

Gary Keller,Dave Jenks,Jay Papasan
Millionaire Real Estate Agent Success in Good Times and Bad EBOOK BUNDLE Book PDF

Author : Gary Keller,Dave Jenks,Jay Papasan
Publisher : McGraw-Hill Professional
Page : 368 pages
File Size : 45,9 Mb
Release : 2011-11-18
Category : Business & Economics
ISBN : 9780071796514

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Millionaire Real Estate Agent - Success in Good Times and Bad (EBOOK BUNDLE) by Gary Keller,Dave Jenks,Jay Papasan Pdf

Start building your real estate fortune today! Gary Keller reveals all the secrets Two books in one comprehensive ebook package! "Gary Keller knows the beauty of a simple path to a spectacular goal!” —Mark Victor Hansen, co-creator, #1 New York Times bestselling series Chicken Soup for the Soul, and co-author, The One Minute Manager Keller Williams has grown into one of North America’s largest real estate firm—and it continues to grow even during one of the worst markets in history. In Millionaire Real Estate Agent—Success in Good Times and Bad, co-founder and Chairman of the Board Gary Keller shares the methods has taught to hundreds of thousands of successful agents. This two-in-one ebook package gives you the knowledge and skills you need to take your career and success to the next step. Millionaire Real Estate Agent—Success in Good Times and Bad contains: The Millionaire Real Estate Agent In order to make it big in real estate, you have to learn the fundamental models that drive the best agents in the industry. In The Millionaire Real Estate Agent, Gary Keller applies his lifetime spent in the business to give you the knowledge and skills you need succeed. This unparalleled guide reveals: Three key concepts that drive mega-agent production Essential economic, budgetary, and organizational models The secrets to how millionaire real estate agents think How you can get on the million-dollar-a-year real estate career path SHIFT More than 1,000,000 copies sold! Markets shift, and you can, too. Sometimes you'll shift in response to a falling market, and other times you'll shift to take your business to the next level. Both can transform your business and your life. You can change your thinking, your focus, your actions, and, ultimately, your results to get back in the game and ahead of the competition. SHIFT offers twelve proven strategies for achieving success in any real estate market, including: Short sales, foreclosures, and REOs Overcoming buyer reluctance Expense management Lead generation Creative financing

The ONE Thing

Gary Keller,Jay Papasan
The ONE Thing Book PDF

Author : Gary Keller,Jay Papasan
Publisher : Bard Press
Page : 246 pages
File Size : 49,5 Mb
Release : 2013-04-01
Category : Business & Economics
ISBN : 9781885167804

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The ONE Thing by Gary Keller,Jay Papasan Pdf

• More than 500 appearances on national bestseller lists • #1 Wall Street Journal, New York Times, and USA Today • Won 12 book awards • Translated into 35 languages • Voted Top 100 Business Book of All Time on Goodreads People are using this simple, powerful concept to focus on what matters most in their personal and work lives. Companies are helping their employees be more productive with study groups, training, and coaching. Sales teams are boosting sales. Churches are conducting classes and recommending for their members. By focusing their energy on one thing at a time people are living more rewarding lives by building their careers, strengthening their finances, losing weight and getting in shape, deepening their faith, and nurturing stronger marriages and personal relationships. YOU WANT LESS. You want fewer distractions and less on your plate. The daily barrage of e-mails, texts, tweets, messages, and meetings distract you and stress you out. The simultaneous demands of work and family are taking a toll. And what's the cost? Second-rate work, missed deadlines, smaller paychecks, fewer promotions--and lots of stress. AND YOU WANT MORE. You want more productivity from your work. More income for a better lifestyle. You want more satisfaction from life, and more time for yourself, your family, and your friends. NOW YOU CAN HAVE BOTH — LESS AND MORE. In The ONE Thing, you'll learn to * cut through the clutter * achieve better results in less time * build momentum toward your goal* dial down the stress * overcome that overwhelmed feeling * revive your energy * stay on track * master what matters to you The ONE Thing delivers extraordinary results in every area of your life--work, personal, family, and spiritual. WHAT'S YOUR ONE THING?

The Millionaire Real Estate Investor

Gary Keller,Dave Jenks,Jay Papasan
The Millionaire Real Estate Investor Book PDF

Author : Gary Keller,Dave Jenks,Jay Papasan
Publisher : McGraw Hill Professional
Page : 442 pages
File Size : 52,6 Mb
Release : 2005-04-07
Category : Business & Economics
ISBN : 9780071469531

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The Millionaire Real Estate Investor by Gary Keller,Dave Jenks,Jay Papasan Pdf

“This book is not just a bargain, it’s a steal. It’s filled with practical, workable advice for anyone wanting to build wealth.”—Mike Summey, co-author of the bestselling The Weekend Millionaire’s Secrets to Investing in Real Estate Anyone who seeks financial wealth must first learn the fundamental truths and models that drive it. The Millionaire Real Estate Investor represents the collected wisdom and experience of over 100 millionaire investors from all walks of life who pursued financial wealth and achieved the life-changing freedom it delivers. This book--in straightforward, no nonsense, easy-to-read style--reveals their proven strategies. The Millionaire Real Estate Investor is your handbook to the tried and true financial wealth building vehicle that rewards patience and perseverance and is available to all--real estate. You'll learn: Myths about money and investing that hold people back and how to develop the mindset of a millionaire investor How to develop sound criteria for identifying great real estate investment opportunities How to zero in on the key terms of any transaction and achieve the best possible deals How to develop the "dream team" that will help you build your millionaire investment business Proven models and strategies millionaire investors use to track their net worth, understand their finances, build their network, lead generate for properties and acquire them The Millionaire Real Estate Investor is about you and your money. It's about your financial potential. It's about discovering the millionaire investor in you.

HOLD: How to Find, Buy, and Rent Houses for Wealth

Steve Chader,Jennice Doty,Jim McKissack,Linda McKissack,Jay Papasan,Gary Keller
HOLD How to Find Buy and Rent Houses for Wealth Book PDF

Author : Steve Chader,Jennice Doty,Jim McKissack,Linda McKissack,Jay Papasan,Gary Keller
Publisher : McGraw Hill Professional
Page : 321 pages
File Size : 46,7 Mb
Release : 2012-09-25
Category : Business & Economics
ISBN : 9780071797054

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HOLD: How to Find, Buy, and Rent Houses for Wealth by Steve Chader,Jennice Doty,Jim McKissack,Linda McKissack,Jay Papasan,Gary Keller Pdf

USA TODAY BESTSELLER Take HOLD of your financial future! Learn how to obtain financial freedom through real estate. The final book in Gary Keller’s national best-selling Millionaire Real Estate Investor trilogy teaches the proven, reliable real estate investing process to achieve financial wealth: 1. Find – the right property for the right terms and at the right price. 2. Analyze – an offer to make sure the numbers and terms make sense. 3. Buy – an investment property where you make money going in. 4. Manage – a property until it’s paid for or you have a large amount of equity to leverage. 5. Grow – your way to wealth and financial freedom.

Flip

Rick Villani,Clay Davis,Gary Keller
Flip Book PDF

Author : Rick Villani,Clay Davis,Gary Keller
Publisher : McGraw Hill Professional
Page : 410 pages
File Size : 50,9 Mb
Release : 2007-01-09
Category : Business & Economics
ISBN : 9780071545143

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Flip by Rick Villani,Clay Davis,Gary Keller Pdf

FLIP, the third book in the National Bestselling Millionaire Real Estate Series (More than 500,000 copies sold!) FLIP provides a detailed, step-by-step process to analyze each investment, identify the best improvements, accurately estimate the costs and intelligently oversee the construction. It takes out all the guess work and almost all of the risk. Here's what industry experts are saying about FLIP: "Read this book before you flip that house! FLIP is an indispensable step-by-step guide to flipping houses that you will refer to again and again." -Carlos Ortiz, Executive Producer, "FLIP That House" (TLC's most popular real estate TV show) "At HomeVestors, we're in the business of buying and selling homes for profit and I can attest that there are few, if any, who can rival Rick's and Clay's expertise when it comes to fixing up houses for profit. This book is a must-read for any investor." -Dr. John Hayes, President and CEO of HomeVestors of America (the largest homebuyer in America) "FLIP is a must-read book for everyone in the real estate business. Every agent should have this book. They should read it and master its contents. Why? Because it is the best guide ever written on how to evaluate real estate and how to add value to a house." -Gary Keller, Founder and Chairman of the Board of Keller Williams Realty International and author of bestselling The Millionaire Real Estate Agent and The Millionaire Real Estate Investor "For anyone looking to build wealth in real estate, FLIP provides a step-by-step approach that really works in any market." -Loral Langemeier, bestselling author of The Millionaire Maker FLIP extends the national bestselling Millionaire Real Estate series with a step-by-step guide that is quickly becoming "the model" for successfully finding, fixing and selling investment properties for profit. Based on their involvement in over a 1,000 flips, Rick Villani and Clay Davis walk you through the proven five-stage model for successfully flipping a house: FIND: How to select ideal neighborhoods, attract sellers, and find houses with investment potential ANALYZE: Identify which improvements to make and analyze the profit potential of any house BUY: How to arrange financing, present the offer, and close on the purchase FIX: A 50-step, easy-to-follow plan for fixing up houses that keeps you on time, in budget and assures top quality SELL: How to add finishing touches to quickly sell for maximum profit Woven through the book is an entertaining narrative that follows the flipping adventures of Samantha, Ed, Bill, Nancy, Amy and Mitch as they find, buy, fix and sell their first investment houses. With all this plus the experience of over a thousand flips condensed into one book, FLIP gives new investors the tools they need to avoid common pitfalls, make a profit, and enjoy the process of house flipping. Rick Villani and Clay Davis are senior executives at HomeFixers, North America's leading real estate rehab franchise. HomeFixers has been involved in more than 1,000 flips nationwide.

YOUR FIRST 365 DAYS IN REAL ESTATE

Shelley Zavitz
YOUR FIRST 365 DAYS IN REAL ESTATE Book PDF

Author : Shelley Zavitz
Publisher : Harriman House Limited
Page : 160 pages
File Size : 47,8 Mb
Release : 2019-06-03
Category : Business & Economics
ISBN : 9780857197610

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YOUR FIRST 365 DAYS IN REAL ESTATE by Shelley Zavitz Pdf

Your successful career in real estate starts here! The first 365 days of working in real estate can be one of the most tumultuous times in your career - full of hard lessons, heart breaks and hard work. Just because you have a license, doesn’t mean you have a business. But if you get the important stuff right, a great future is yours for the taking. This honest, eye-opening and completely practical insider's guide shows you how to get where you want to be - even if you're starting from nothing. Author and successful real estate agent Shelley Zavitz reveals in unprecedented detail: - what to expect the first year of your career - how to implement systems that will impact your business in the next 90 days - how to build a marketing plan in a digital world - how to work your contacts to start your referral pipeline - how mindset can make or break your business and what to do about it - why surrounding yourself with the right people is essential. Shelley shares her own story as a new real estate agent - including how she built a brand starting with a network of just four people in a totally new city. The book also comes complete with worksheets, hot lists and examples of great branding so that you can catapult your business into the fast lane right now. Your First 365 Days in Real Estate is the number-one resource for new agents in the industry - don't miss out on your potential as a realtor without it.

Ninja Selling

Larry Kendall
Ninja Selling Book PDF

Author : Larry Kendall
Publisher : Greenleaf Book Group
Page : 344 pages
File Size : 48,6 Mb
Release : 2017-01-03
Category : Business & Economics
ISBN : 9781626342859

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Ninja Selling by Larry Kendall Pdf

2018 Axiom Business Book Award Winner, Gold Medal Stop Selling! Start Solving! In Ninja Selling, author Larry Kendall transforms the way readers think about selling. He points out the problems with traditional selling methods and instead offers a science-based selling system that gives predictable results regardless of personality type. Ninja Selling teaches readers how to shift their approach from chasing clients to attracting clients. Readers will learn how to stop selling and start solving by asking the right questions and listening to their clients. ​Ninja Selling is an invaluable step-by-step guide that shows readers how to be more effective in their sales careers and increase their income-per-hour, so that they can lead full lives. Ninja Selling is both a sales platform and a path to personal mastery and life purpose. Followers of the Ninja Selling system say it not only improved their business and their client relationships; it also improved the quality of their lives.

Your First Home: the Proven Path to Home Ownership

Gary Keller,Dave Jenks,Jay Papasan
Your First Home the Proven Path to Home Ownership Book PDF

Author : Gary Keller,Dave Jenks,Jay Papasan
Publisher : McGraw-Hill
Page : 0 pages
File Size : 51,5 Mb
Release : 2007-12
Category : Home ownership
ISBN : 0071546219

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Your First Home: the Proven Path to Home Ownership by Gary Keller,Dave Jenks,Jay Papasan Pdf

Property & real estate.

Shift Commercial

Jay Papasan,Buddy Norman
Shift Commercial Book PDF

Author : Jay Papasan,Buddy Norman
Publisher : Unknown
Page : 0 pages
File Size : 44,5 Mb
Release : 2023-11-14
Category : Electronic
ISBN : 1959472097

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Shift Commercial by Jay Papasan,Buddy Norman Pdf

Real estate shifts are easier to recognize than they are to acknowledge. One day job growth is beginning to stall and, seemingly overnight, vacancies are on the rise. Tenants start asking to downsize. Commercial property valuations level off. Negative news stories feed the worries of buyers and tenants. New development halts. Fear creeps in. Then, the market that was quietly losing ground goes into full retreat as tenant delinquencies turn into owner delinquencies and lenders sever lines of credit. Rents go into a free fall as owners scavenge for income to offset a rising tide of red ink. Deals unravel. Buyers and tenants hunker down to wait for a steal. Bankruptcies mount. Eventually, big commercial real estate owners start selling their companies or simply close their doors. Credit freezes up. Banks begin to shut down... Sound familiar? If you've been in the business for any length of time, it should. SHIFT Commercial provides proven models, tactics, and insights from top commercial brokers who are thriving in this market, including Find the Motivated - Lead Generation; Get to the Table - Lead Capture and Conversion; Catch People in Your Web - Internet Lead Conversion; Expand the Options - Creative Financing; Master the Market of the Moment - Identify and Establish Needed Expertise...and so much more. Real solutions for real agents in commercial real estate.

Argus Developer in Practice

Tim M. Havard
Argus Developer in Practice Book PDF

Author : Tim M. Havard
Publisher : Apress
Page : 250 pages
File Size : 55,7 Mb
Release : 2014-02-28
Category : Computers
ISBN : 9781430262633

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Argus Developer in Practice by Tim M. Havard Pdf

This book is a practical guide to using Argus Developer, the world’s most widely used real estate development feasibility modeling software. Using practical examples and many case studies, it takes readers beyond basic training and provides the in-depth knowledge required to analyze potential real estate deals and help ensure a profitable development. Argus Developer in Practice fills an important gap in the market. Argus Developer, and its predecessor Circle Developer, has long had a dominant position as the primary real estate development appraisal tool. It is used all over the world on a variety of projects ranging from simple residential projects to huge and complex master planned, mixed-use, commercial, residential, and leisure projects. It also shines when used to appraise "refurbs"—taking an existing building or complex and upgrading it or turning it into something entirely different. Argus Developer in Practice,the first book that concentrates on the practical application and use of the program, goes beyond the manual that comes with it by taking you through the development/project appraisal process step by step. In addition, author Tim Havard has over 25 years of experience in carrying out development appraisals both in practice and in teaching at the postgraduate level in UK and Australian universities. He started using the DOS version of Circle Developer in 1990, then worked for both Circle and Argus training clients on the software in the UK, continental Europe, and the Middle East. Besides showing you how to use the program, Havard shows you how to think like a successful real estate developer. Using an extensive array of screenshots, Argus Developer in Practice delves deeply into practical use of the program by offering case studies of varying complexity that will help real estate professionals not just analyze development projects but also learn how the best minds in real estate analyze a project’s potential. You will learn: How to model both simple projects and complex mixed-use and multi-phased investment schemes How to model new uses for existing properties How to think through real estate project problems How to analyze a potential development project in depth By using the program efficiently and making use of its more advanced features, you can help ensure a profitable project without the surprises that accompany most real estate ventures. Argus Developer in Practice therefore provides something priceless—peace of mind.

Real Estate Due Diligence

Tobias Just,Hermann Stapenhorst
Real Estate Due Diligence Book PDF

Author : Tobias Just,Hermann Stapenhorst
Publisher : Springer
Page : 208 pages
File Size : 43,6 Mb
Release : 2017-09-27
Category : Business & Economics
ISBN : 9783319625102

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Real Estate Due Diligence by Tobias Just,Hermann Stapenhorst Pdf

Due diligence is the bedrock of real estate deals, regardless of the volume of transaction. This book presents a comprehensive guide to understanding and implementing due diligence and making an accurate assessment of the risks. While this process has become a “no-brainer” for investment professionals, the market standard on this essential topic has not yet been laid out in a comprehensive form that covers all the major aspects of real estate due diligence: legal, tax, financial and technical issues. This book fulfils that need, and gives it a form that can be used for German, European, or even international transactions. Written in a reader-friendly fashion, the easily navigable chapters are organized into the four due diligence dimensions, with ample examples and key takeaways. Be they real estate investors, or a management students specializing in the asset class, this book is a core resource for anyone wanting to get to grips with due diligence.

Ask a Manager

Alison Green
Ask a Manager Book PDF

Author : Alison Green
Publisher : Ballantine Books
Page : 306 pages
File Size : 52,6 Mb
Release : 2018-05-01
Category : Business & Economics
ISBN : 9780399181818

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Ask a Manager by Alison Green Pdf

From the creator of the popular website Ask a Manager and New York’s work-advice columnist comes a witty, practical guide to 200 difficult professional conversations—featuring all-new advice! There’s a reason Alison Green has been called “the Dear Abby of the work world.” Ten years as a workplace-advice columnist have taught her that people avoid awkward conversations in the office because they simply don’t know what to say. Thankfully, Green does—and in this incredibly helpful book, she tackles the tough discussions you may need to have during your career. You’ll learn what to say when • coworkers push their work on you—then take credit for it • you accidentally trash-talk someone in an email then hit “reply all” • you’re being micromanaged—or not being managed at all • you catch a colleague in a lie • your boss seems unhappy with your work • your cubemate’s loud speakerphone is making you homicidal • you got drunk at the holiday party Praise for Ask a Manager “A must-read for anyone who works . . . [Alison Green’s] advice boils down to the idea that you should be professional (even when others are not) and that communicating in a straightforward manner with candor and kindness will get you far, no matter where you work.”—Booklist (starred review) “The author’s friendly, warm, no-nonsense writing is a pleasure to read, and her advice can be widely applied to relationships in all areas of readers’ lives. Ideal for anyone new to the job market or new to management, or anyone hoping to improve their work experience.”—Library Journal (starred review) “I am a huge fan of Alison Green’s Ask a Manager column. This book is even better. It teaches us how to deal with many of the most vexing big and little problems in our workplaces—and to do so with grace, confidence, and a sense of humor.”—Robert Sutton, Stanford professor and author of The No Asshole Rule and The Asshole Survival Guide “Ask a Manager is the ultimate playbook for navigating the traditional workforce in a diplomatic but firm way.”—Erin Lowry, author of Broke Millennial: Stop Scraping By and Get Your Financial Life Together