But when they took $10k from their IRA they had a 50% tax increase. Why? When John died Judy’s income went down by 33% but her taxes went UP! Why? Isn’t interest on municipal bonds tax free? Then why did it cause John and Judy’s taxes to increase? When Judy took out $20k to take her daughter on a cruise it cost her $9,908 in taxes. Yet when Jane did the same it cost her nothing. And they both have $80k in total income. Why? When Bob took out $10,000 from his IRA his taxes tripled. Why? Why did Bob’s Medicare premiums nearly double when he took out an extra $10k from his IRA? When Jenny, a divorced gas station attendant making $35k a year inherited an IRA from her mom she lost 25% in Federal Taxes. Why? In this book we’re not only going to answer these questions but we’re also going to show you what you should be doing NOW to avoid the stealth tax increases retirees face but are ignorant of...until it's too late.

    

    We're just two women who know what it is to need one." Jane has problems, and this December, keeping her assassin best friend from actually killing somebody isn't the biggest one. Her songwriting muse keeps trying to rise from the dead, they have a new sidekick they can't seem to dislodge from the back seat, and it's that time of year when the ghosts of Christmas shake their chains and make an unbearable season even worse. Peace on Earth isn't what they're good at - but it's coming for them anyhow. Which isn't anything a couple of assassins want for Christmas. (Previously published as Lesbian Assassins, which was a nod to how the story got started, and a terrible description of its contents. Heavily revised to become the tale of holiday redemption Carly & Jane apparently always intended to become!)

    Orphaned at 16 and widowed at 23, she longs to escape poverty, start a new life, and find true love. When she corresponds with mercantile owner, Jake, she feels drawn to him. But Jake only wants a marriage of convenience and a helper in his store. Believing she will come to accept a loveless marriage, Virginia travels to California. But her dreams of a peaceful life soon fade. Nothing will melt Jake's cold heart, and when Virginia finds herself falling in love with Jake, she realizes she must leave California, and all that she's ever wanted, behind.

    

    

    With an absentee mother and alcoholic father Logan has the weight of the world on her shoulders. All Logan can really count on are her crazy ass friends Margo, April and her secret crush Ameer Sanchez to keep her sane. Ameer Sanchez is a young rich, and in demand. With a small circle that consists of his best friends Jacob and Daniel, he doesn’t need much else to hold him down, well except for that special someone. He's fine as hell and on his way to living out his dreams. He also has everything he wants and can have any girl he wants but ever since he laid eyes on Logan he knew that he had to have her. Unfortunately, for this bunch, life isn’t always as simple as it should be. Ameer is struggling to keep his head right, and do right by Logan but life keeps getting in the way. Keeping his past in the past is not working out as simple as he thought it would be. Friendships and relationships are challenged, and some may not survive. Not to mention that the streets are invading their circle with a vengeance. Roman is the plug that Jacob and Daniel work for and he has an offer that they can’t refuse, even if they should be running from it. With Roman about to step down will the guys step up and take his place or will unforeseen circumstances make it impossible. Will Ameer be able to handle a relationship and running the streets? Will Logan be understanding of his constant demanding schedule? Will outside forces as well as, the ones closest to them try to tear them apart? And ultimately, is being Addicted to the Hustle really worth it?

    Billy Dexter is the point man, the finisher. For years they were the most sought-after hit team in the country.Until Dex stopped killing.But when the woman he loves is in trouble, Dex discovers that murder is an easy habit to return to—for him, it’s as natural as breathing.A short story from the author of THE BLADE ITSELF and GOOD PEOPLE.* This story appears in the collection SCAR TISSUEMarcus Sakey is the author of four novels, three of which are in development as feature films. He has been nominated for or won an Anthony, Barry, Macavity, Strand Critic’s Circle, Reader’s Choice, Crimespree, Dilys, Crime Shot, Romantic Times, and ITW Thriller Award. Praise for Marcus Sakey: "The new reigning prince of crime fiction." - Chicago Tribune "An astoundingly good writer." - San Jose Mercury News "Crime drama for the 21st century." - National Public Radio

    The action of this period romantic mystery takes place in the city of Newcastle-upon-Tyne two years after the end of the war, as Britain is caught in the grip of the worst winter in a thousand years. As blizzards rage and the country grinds to a frozen standstill, on Tyneside a young German woman, Elsa Platten, goes on trial for her life, accused of deliberately burning a man to death... Alexander Galbraith is the lawyer hired to defend her, a man undergoing a personal crisis of his own, since his vengeful wife, Virginia, has discovered evidence of a homosexual affair and is threatening to ruin him... Jack Raisbeck is the owner of the Tyneside shipyard where the murdered man, a Dutchman called Jeroen van Rijn, worked. Jack is a physically scarred and cynical survivor of the war in the North Atlantic but his developing romantic relationship with Elsa in the months before the murder has rejuvenated him. Yet, as Elsa begins her trial, Jack is also struggling to keep his shipyard business alive, beset with a rebellious workforce led by union leader Ernie Wilmot, and with the financial future of his yard hanging in the balance after a recent arson attack and an act of embezzlement by his former chief accountant, George Hetherington. As the evidence against Elsa unfolds in the course of the trial, she re-lives her past life in Germany and Holland: the rise of the Nazis and the invasion of Holland, her subsequent betrayal and deportation to the East, and her escape and struggle to survive the fall of Berlin. Jack and Alexander Galbraith both believe in Elsa’s innocence but that belief is strongly tested as the evidence against her grows. The trail to find the truth leads both men in unexpected directions. For Jack it leads to a confrontation with his brother-in-law on a frozen cliff top, and to other disturbing family revelations. For Galbraith it is something even worse - he has to make the ultimate choice between preserving his own career and reputation, or saving his client from the hangman...

    

    She is fed up with his lying, cheating and manipulating ways and is finally leaving him. She meets Hasaan who appears to be the perfect match for her; unfortunately, he comes with baggage as well. Jackie, who is his ex doesn't take the breakup well and will do anything to sabotage what he is trying to build with Serena including; showing up at his house unannounced in hopes of rekindling what they used to have. Tanisha and Gary have been together off and on for some years but not without the constant breaking up that most couples do. Three months before the wedding Tanisha finds out some devastating news and calls it off. However, that news is nothing compared to what Gary will have to confess to, which will hurt his woman so much and destroy everything. The journey with these two couples will have you in shock when the secrets come pouring out and one person will have the last laugh through it all.

    Can they reconcile their differences?When Lord Pendleton loses his brother, his entire world changes. Inheriting the title of Marquess of Leicestershire, he soon finds himself surrounded by nobles and sought-after by their daughters. He becomes determined to make a name for himself – and not be seen as a rogue like his late brother.Lady Augusta is destined to be married to Lord Leicestershire in a rigid, business-like agreement. Hating her father at first for not letting her choose her own husband, over time she grows to accept it – but she finds herself thrust aside by his newfound status.With Lord Leicestershire hounded by ladies and faced with distractions at every turn, will he and Lady Augusta be able to make their coming marriage work? Or will the strife between them be too much to overcome?In Search of LoveA lady in her third Season. A lord who is a rake. A case of mistaken identity changes their lives.Miss Julianna Martins is in her third Season and will soon be a spinster. However, a moment of mistaken identity sets her into a whirlwind– and she is forced to wed a rake she has never once set eyes on before.When her husband, Lord Altringham, leaves her in the country and returns to London, Julianna plucks up the courage to take a step forward in her life.Finding courage she didn’t know existed, she sets out to force her husband to get to know her and maybe even fall in love with her! Can she do it?Wed In DisgraceAn orphan and a disgraced Viscount...will they work together to clear his name…and find happiness along the way?Delilah’s decrepit uncle arranges her marriage to a disgraced Viscount, who is tainted by a crime he insists he didn’t commit.Can she allow herself to trust him and help him clear his name? Or will she turn her back on him completely?Betrayal and LiesA lady in exchange for debt. Is there any way out for Lady Christina?Lady Christina is stunned to learn that her father, Lord Enfield, is heavily in debt and the Baron holding the cards wants the family estate and her hand in marriage for his son.She desperately hopes her suitor, Lord Harlow, has a solution so they can be together.Can he puzzle a way out of this mess?A Past to ForgetA past relationship threatens their future. Can they clear his name and find happiness together?Miss Brooks must marry Viscount Stafford, although she knows nothing about him.Viscount Stafford is shunned by society for something from his past. Wanting to protect her from society’s gossips, he ends their engagement.But he didn’t count on Miss Brooks’ persistence and loyalty.Can she help him clear his name? And possibly even forgive him?Engaged to a FriendFriends for several Seasons, Lady Tabitha agrees to a fake engagement to Lord Yarmouth to help him inherit a fortune. What could go wrong?Lady Tabitha and Lord Yarmouth are nothing more than friends. When he needs a fake engagement, Lady Tabitha is happy to fill that role. But when a new version of his late father’s will is found, the solicitor informs him that he must be married, not just engaged, Lord Yarmouth begins to panic. What will he do now?

    He has one job left, then his debts will be paid, and his loyalty will only be to himself. When he gets to his last job and finds a damsel in distress, he chooses to prioritize her life over his freedom… and only time will tell if it costs him his life.In the streets of Memphis, Joy Dixon is known as Trouble. Trouble has seemed to follow her and her mother all the days of her life. The night Joy thinks her life is about to end, she’s rescued by Caliber. Used to men expecting a lot of something for nothing, Joy expects Caliber to demand the world. It catches her by surprise when he doesn’t ask for anything in return. In fact, he only offers to keep her safe. When she finds out exactly who he is, Joy embarks upon the hard journey of trusting and finding solace in her gangster… the gentleman.

    A guidebook for those who want to write well.

    With her life in danger and her past catching up to her, will she stay alive long enough to trust the one man she never forgot with her heart? With the promise to catch a killer and keep Lauren safe, Dane Bennet must now protect her from the evil in her past and present. A sick cult group with ties to the government and the rich and powerful are determined to use her powers for their own evil gain. Will Dane be able to protect the woman he loves or will he have his chance at happiness snatched away. Dane must use every ounce of his elite special forces training to keep her safe, even if it means breaking her heart. Determined to stop the evil that threatens the world and avenge the death of a friend, will Lauren and Dane be able to overcome their intense attraction to stop the people determined to end her life and start Armageddon or will their passion blind them. Nate Jones is unlucky in love. He’s watched his parents love story play out his entire life and wants that for himself. His whole world was rocked when he walks into a hospital room and falls head over heels in love with Skye and Noah. Skye Mitchell is a single mother to an exceptional young boy. Noah has a unique and terrifying gift, which in the hands of the wrong people, could risk his life. A life that is already under the shadow of a terrible disease. All she has ever wanted was her child healthy and to feel cherished by the man she loves. Skye and Nate are ready to take a chance on a once in a lifetime love but The Divine Watchers have other plans. With bullets flying and people dying, the race is on to find Noah before any harm can come to him. Will Nate and his team find Noah in time, or will his love for Skye get in the way? Can Nate and Skye use their intense attraction to get them through the most horrific time of their lives? A woman with a secret past! Lucy Bennett is not what she appears to be. When she overhears a devastating conversation she decides to fight the betrayal head on. To do that Lucy must let her past and present lives collide, face the hurt and guilt she buried years ago, and reveal the real Lucy to the world. A man with a gift. Jace Ward, Fortis operative and Ex-SAS soldier, is dealing with his new gift of hearing people's thoughts. All except the thoughts of the woman he loves! Jace has loved Lucy Bennett since he first laid eyes on her nearly twenty years ago. Her beauty, her love for those around her, and the fact that she is a badass makes her the perfect woman for him. Then tragedy strikes unexpectedly, and Lucy is left destroyed by the turn of events. Can Jace reach the woman he can't live without and bring her home? Can they stop this latest attack by the Divine Watchers before more people they care about die? Will their love make it? He will stop at nothing to keep those he loves safe! Zack Cunningham is the sexy, brooding leader of the Fortis team. He has spent most of his life fighting evil, first as an elite SAS operative, and now running Fortis, a group comprised of ex-special ops men and woman. Now he faces the biggest fight of his life. He must keep the woman who has haunted his dreams safe while he leads his team against the sick and twisted Divine Watchers. With trusts broken and relationships betrayed, can he convince the woman who haunts him that he is worth a chance or will he die trying? Ava Drake has spent her life living in a man’s world, and she knows she is strong enough to go it alone.