In Burn Your Mortgage, Cooper’s extreme achievement is made accessible as the acclaimed personal finance expert shares the secret to his success: simple yet effective lifestyle changes that anyone—from new buyers to experienced homeowners—can make to pay down their mortgage sooner. Burn Your Mortgage combines inspiring anecdotes with realistic and jargon-free financial tips and resources for achieving financial freedom no matter your financial situation. This easy-to-follow guide will help you pay off your mortgage at your own pace and show you how to live well while doing it. Tools include: - Simple ways to pay down your mortgage sooner; - Your very own mortgage-free action plan; - Sample budgets and savings plans; - Tools for tracking income and expenses; - Home-buying blueprints; - Worksheets for financial empowerment; - Up-to-date information on bank accounts, mortgage contracts, investing, and loans—and how to choose the best options for you; - Tips for overcoming bad money habits. Inspiring, insightful and fun, Burn Your Mortgage will transform the way you think about money and debt on your path to independent home ownership. Sean Cooper is an in-demand speaker, money coach, and personal finance journalist. His articles have been featured in publications such as the Toronto Star, Globe and Mail, Financial Post, and MoneySense. Advance praise for Burn Your Mortgage: “Sean’s personal journey to financial freedom is a brave and inspiring one, and I am delighted to see him share his learning with the world. Burn Your Mortgage offers practical, clear and useful insights to help people of all walks of life live healthier financial lives. I am convinced that Burn Your Mortgage is set to be a pivotal guidebook to achieving financial freedom.” —Peter Aceto, President and CEO, Tangerine “A home is the largest purchase most people make, yet there is little information to help them make smart choices. Most advice comes from banks, mortgage brokers, real estate agents, lawyers and home inspectors—not exactly objective. I’m glad to see Sean Cooper use his experience as home buyer, mortgage burner, landlord and freelance writer to guide others through the steps to take to come out ahead in the real estate game.” —Ellen Roseman, Toronto Star columnist, University of Toronto continuing education instructor and Canadian MoneySaver contributor “A clear and concise plan for millennials looking for a path to financial independence early in their career.” —Don R. Campbell, bestselling author of Real Estate Investing in Canada, frequent guest on the Business News Network “Chock-full of actionable tips based on real life experience, Sean Cooper’s Burn Your Mortgage is a valuable resource for anyone considering buying a home in Canada. In more than just another mortgage manual, Sean writes passionately about the pitfalls to avoid during the house-buying process and then, with equal passion, shows you how to achieve an important step toward financial freedom by paying off your mortgage as quickly as possible.” —Robert R. Brown, author of Wealthing Like Rabbits: An Original Introduction to Personal Finance, and MoneySense columnist “Burn Your Mortgage will push you just outside your comfort zone—which is exactly what you need to really make progress on your mortgage. Sean Cooper walks the talk. His obsession with frugal living provides a ton of great lessons on how to get ahead financially.

    

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    She decided to pack up her life and head for the Yukon.Driving alone across the country from her home just north of Toronto, describing the land as it changes from Precambrian Shield to open prairie, Jill finds that solitude in the wilds is not what she expected. She is actively engaged by nature, her moods reflected in the changing landscape and weather. Camping in her tent as she travels, she begins to let go of the world she’s leaving and to enter the realm of the solitary traveller. There are many challenges in store. She has booked a place on a two-week sea-kayaking trip in the Queen Charlotte Islands of British Columbia; though she owns a canoe, she has never been in a kayak. As the departure nears, she dreads it. Nor does it work any miracle charm on her, as she is isolated from her fellow travellers; yet the landscape and wild beauty of the old hunt camps gradually affects her. Halfway, as she begins to have energy left at the end of the day’s exertions, she notes: “This is as relaxed as I have ever been, as free from anxious future-thinking as I have ever managed.”From there she heads north, taking ferries up the Inside Passage and using her bicycle and tent to explore the wet, mountainous places along the way. Again, she feels self-conscious when alone in public, but once she strikes out into nature, the wilderness begins to work its magic on her, and she begins to feel a bond with the land and a kind of serenity. Moreover, she comes to realize that this self-reliance is an important step. Many travel narratives involve some kind of inner journey, a seeking of knowledge and of self. Set in the same part of the world, Jonathan Raban’s A Passage to Juneau ended up being “an exploration into the wilderness of the human heart.” Kevin Patterson used his months sailing from Vancouver to Tahiti to consider his life in The Water in Between, while the Bhutanese landscape worked a profound transformation on Jamie Zeppa in Beyond the Sky and the Earth. In This Cold Heaven, Gretel Ehrlich chose not to put herself into the story, but described the landscape with a similar hunger and intensity, while Sharon Butala has written deeply and personally about her physical and spiritual connection with the prairies in The Perfection of the Morning and other work.In Starting Out in the Afternoon, Frayne struggles to come to terms with her vulnerabilities and begins to find peace. In beautifully spare but potent language, she delivers an inspiring, contemplative memoir of the middle passage of a woman’s life and an eloquent meditation on the solace of living close to the wild land. Eventually what has begun as a three-month trip becomes a personal journey of several years, during which she is on the move and testing herself in the wilderness. She conquers her fears and begins a new relationship with nature, exuberant at becoming a competent outdoorswoman. “Despite a late start I expect to spend the rest of my life dashing off the highway, pursuing this know-how, plumbing the outdoors side of life.”

    But he has found a way to break the cycle—Bilodo has taken to stealing people's mail, steaming open the envelopes, and reading the letters inside. And so it is he comes across Ségolène's letters. She is corresponding with Gaston, a master poet, and their letters are each composed of only three lines. They are writing each other haikus. The simplicity and elegance of their poems move Bilado and he begins to fall in love with her. But one day, out on his round, he witnesses a terrible and tragic accident. Just as Gaston is walking up to the post-box to mail his next haiku to Ségolène, he is hit by a car and dies on the side of the road. And so Bilodo makes an extraordinary decision—he will impersonate Gaston and continue to write to Ségolène under this guise. But how long can the deception continue for? Denis Thériault weaves a passionate and elegant tale, comic and tragic with a love story at its heart.

    Many were written in response to the grim tide of emotions, memories, dreams and nightmares that arose in her as the Truth and Reconciliation process unfolded. With fearlessly wrought verse, Halfe describes how the experience of the residential schools continues to haunt those who survive, and how the effects pass like a virus from one generation to the next. She asks us to consider the damage done to children taken from their families, to families mourning their children; damage done to entire communities and to ancient cultures. Halfe’s poetic voice soars in this incredibly moving collection as she digs deep to discover the root of her pain. Her images, created from the natural world, reveal the spiritual strength of her culture.

    side at the top, and shot into the next hollow, twisting in the descent. A huge swell pushed up exactly under her middle, and her bow and stern hung free with nothing to support them. Then one joking wave caught her up at the bow, and another at the stern, while the rest of the water slunk 251 away from under her just to see how she would like it; so she was held up at her two ends only, and the weight of the cargo and the machinery fell on the groaning iron keels and bilge-stringers. "Ease off! Ease off, there!" roared the garboard-strake. "I want one-eighth of an inch fair play. D' you hear me, you rivets!" "Ease off! Ease off!" cried the bilge-stringers. "Don't hold us so tight to the frames!" "Ease off!" grunted the deck-beams, as the Dimbula rolled fearfully. "You've cramped our knees into the stringers, and we can't move. Ease off, you flat-headed little nuisances." Then two converging seas hit the bows, one on each side, and fell away in torrents of streaming thunder. "Ease off!" shouted the forward collision-bulkhead. "I want to crumple up, but I'm stiffened in every direction. Ease off, you dirty little forge-filings. Let me breathe!" All the hundreds of plates that are riveted to the frames, and make the outside skin of every steamer, echoed the call, for each plate wanted to shift and creep a little, and each plate, according to its position, complained against the rivets. "We can't help it! We can't help it!" they murmured in reply. "We're put here to hold you, and we're going to do it; you never pull us twice in the same direction. If you'd say what 252 you were going to do next, we'd try to meet your views." "As far as I could feel," said the upper-deck planking, and that was four inches thick, "every single iron near me was pushing or pulling in opposite directions. Now, what's the sense of that? My friends, let us all pull together." "Pull any way you please," roared the funnel, "so long as you don't try your experiments on me. I...

    It was a sample (and not even the correct file - it was an old rough draft that was saved under a new title), and Goodreads will not take it down. The Amazon link directs to the correct, and full, edition. "She is lost, but the world is too. It is a perfect circle.For life is, but a dream /// is not."- "Seeing Ghosts/A Perfect Circle" excerptA. H. SewellCopyright 2015

    It is a depiction of sides that people don't readily show, sides of vulnerability, insecurity and tiny amounts of hope. One could say it is the result of shedding light into a world of secrecy, escapism, an alternate reality belonging to an alternate version of an individual. When No One Is Watching is the truth in its purest form.

    Originally written in French, these poems collapse time into single crystallized moments then explode outward to take in the scope of human history. In Time, we see an intertwining of war and love, coffee and bombs, empathetic observation and emphatic detail taken from both memory and the present of the poem to weave a tapestry of experience in non-linear time.

    In these spare yet powerful poems, she explores, with both rage and tenderness, the parameters of grief, trauma, displacement, and identity. Weaving together a past made murky by uncertainty and a present which exists in multitudes, Arielle Twist poetically navigates through what it means to be an Indigenous trans woman, discovering the possibilities of a hopeful future and a transcendent, beautiful path to regaining softness.

    These poems—set in a town that straddles Mexico and Arizona—are lyric adventures, crossing two and three boundaries as easily as one, between cultures, between languages, between senses. Drawing upon fable, parable, and family legend, Ríos utilizes the intense and supple imagination of childhood to find and preserve history beyond facts: plastic lemons turning into baseballs, a grandmother’s long hair reaching up to save her life, the painted faith jumpers leaping to the earth and crowd below. This is magical realism at its shimmering best. The smallest muscle in the human body is in the ear. It is also the only muscle that does not have blood vessels; It has fluid instead. The reason for this is clear: The ear is so sensitive that the body, if it heard its own pulse, Would be devastated by the amplification of its own sound. In this knowledge I sense a great metaphor, But I do not want to be hasty in trying to capture or describe it. Words are our weakest hold on the world. —from "Some Extensions of the Sovereignty of Science" "Ríos is onto something new in his poetry—in the way that the real poets of any time always are."—American Book Review Alberto Ríos teaches at Arizona State and is the author of eight books of poetry, three collections of short stories, and a memoir about growing up on the Mexican border. He is the recipient of numerous awards and his work is included in over 175 national and international literary anthologies. His work is regularly taught and translated, and has been adapted to dance and both classical and popular music.

    Ambitious in its historical sweep, tender and humane, Sweeter Than All the World takes us on an extraordinary odyssey never before fully related in a contemporary novel.The novel tells the story of the Mennonite people from the early days of persecution in sixteenth-century Netherlands, and follows their emigration to Danzig, London, Russia, and the Americas, through the horrors of World War II, to settlement in Paraguay and Canada. It is told episodically in a double-stranded narrative. The first strand consists of different voices of historical figures. The other narrative voice is that of Adam Wiebe, born in Saskatchewan in 1935, whom we encounter at telling stages of his life: as a small boy playing in the bush, as a student hunting caribou a week before his wedding, and as a middle-aged man carefully negotiating a temporary separation from his wife. As Adam faces the collapse of his marriage and the disappearance of his daughter, he becomes obsessed with understanding his ancestral past. Wiebe meshes the history of a people with the story of a modern family, laying bare the complexities of desire and family love, religious faith and human frailty.The past comes brilliantly alive, beginning with the horrors of the Reformation, when Weynken Claes Wybe is burned at the stake for heretical views on Communion. We are caught up in the great events of each century, as we follow in the footsteps of Adam’s forebears: the genius engineer who invented the cable-car system; the artist Enoch Seeman, who found acclamation at the royal court in London after having been forbidden to paint by the Elders; Anna, who endures the great wagon trek across the Volga in 1860, leaving behind her hopes of marriage so that her brothers will escape conscription in the Prussian army; and Elizabeth Katerina, caught in the Red Army’s advance into Germany when rape and pillage are the rewards given to soldiers. The title of the novel, taken from a hymn, reflects the beauty and sorrow of these stories of courage. In a startling act of invention, Sweeter Than All the World sets one man’s quest for family and love against centuries of turmoil.Rudy Wiebe first wrote of Mennonite resettlement in his 1970 epic novel The Blue Mountains of China. Since then, much of his work has focused on re-imagining the history of the Canadian Northwest. In Sweeter Than All the World, as in many of his most acclaimed novels, Wiebe has sought out real historical characters to tell an extraordinary story. William Keith, a University of Toronto professor and author of a book about Wiebe, writes: “Wiebe has a knack for divining wells of human feeling in historical sources.” Here, all the main characters share his name, and the history is one to which he belongs. Moreover, alongside those flashbacks into history is revealed an utterly compelling contemporary story of a man whose background is not totally unlike the author’s own. Wiebe sets his narrative against his two favourite backdrops: the northern Alberta landscape, and the shared memories of the Mennonite people. Sweeter Than All the World is a compassionate, erudite and stimulating work of fiction that shares the deep-rooted concerns of all of Wiebe’s work: how to make history live in our imagination, and how we can best live our lives.

    Phipps ruminates on the ways we are shaped as humans. Is it nature or nurture? Is it fate or a happen chance? What teaches us to love our generational inheritance, no matter how harmful? Phipps takes us to the most intimate parts of family matters in hopes of underantdatning conflict as a means of overcoming.