This reassuring book debunks the generally-accepted claims about necessary savings rates, which can cause paranoia among those beginning to contemplate retirement. The authors offer greater insight into planning approaches that are not widely understood, demystifies retirement targets (age, savings, income), and outlines concrete approaches to maximizing retirement savings.Offers practical advice for dealing with the changes to Canada's retirement system Includes advice for calculating your Neutral Retirement Income Target Contains solid financial advice in accessible language Written by the Executive Chairman and Chief Actuary of Morneau Shepell Canada's national actuarial consulting firm The Real Retirement offers a down-to-earth guide for preparing for comfortable retirement and shows what it takes to achieve it.

    Kettl and Fesler understand that the push and pull of political forces make the functions of bureaucracy ever more contentious, but no less crucial to governance.Based on reviewer feedback, and given advances in scholarship and in practice, the authors introduce the crucial topics of ethics, accountability, and leadership early on, utilizing these central ideas as touchstones throughout the book. While this text continues to focus on the core components of public administration--such as budgeting, personnel, and implementation--it's been thoroughly updated to cover recent developments, including administrative issues spotlighted during the 2008 presidential campaigns, the use of technology in government management, and the changing face of the federal workforce. Fully updated tables and figures feature a wealth of current data, and photos add visual context to the book's core concepts.What was an appendix showcasing fourteen case studies in the previous edition is now a set of fully-integrated case studies--one in each chapter--that challenges students to apply ideas and analysis as they go. Each case emphasizes the people on the front lines at the local, state, and federal levels with topics ranging from Taser use in law enforcement to the recent economic bailout. Useful discussion questions at the end of each case help shape student responses and in-class conversation.

    What is the meaning of life? What was Hitler's religion? What's the deal with the Flying Spaghetti Monster? And what was Mother Teresa's dark secret? This book is highly recommended for everyone curious about America's most misunderstood minority, as well as for those who wish to better understand their atheist friends, neighbors or coworkers.

    With an emphasis on critical self-reflection, Reflect & Relate gives students the practical skills to work through life's many challenges using better interpersonal communication. The sound theory, clear explanations, lively writing, practical activities, and vibrant design all work toward a single goal: Teaching students to make better communication choices so they can build happier and healthier interpersonal relationships.

    Until now. A Game for Hooligans brings the game's colourful story up to date to include the 2007 World Cup. It covers all of the great matches, teams and players but also explores the social, political and economic changes that have affected the course of rugby's development. It is an international history, covering not only Britain and France but also the great rugby powers of the southern hemisphere and other successful rugby nations, including Argentina, Fiji and Japan. Contained within are the answers to many intriguing questions concerning the game, such as why 1895 is the most important date in both rugby-union and rugby-league history and how New Zealand became so good and have remained so good for so long. There is also a wealth of anecdotes, including allegations of devil-worship at a Welsh rugby club and an account of the game's contribution to the Cuban Revolution. This is a must-read for any fan of the oval ball.

    Starting in the ramshackle but romantic capital of Havana, Peter Millar travels with ordinary Cubans, sharing anecdotes, life stories and political opinions to the far end of the island, the Guantanamo naval base and detention camp.

    This is the story of how things fell apart.’The years between 1983 and 1993 were momentous for Nigeria. Military rule was a time of increased violence, rampant corruption, coups, coup plotting and coup baiting. It moulded the conditions and character of Nigeria today, forcing seismic changes on the political, economic and religious landscape that nearly tore the country apart on several occasions.Soldiers of Fortune is a fast-paced and thrilling narrative of the major events of the Buhari and Babangida era. The book draws on previously uncovered observations from interviews conducted with insiders (including a former member of the Brigade of Guards and Nigerian Airways personnel who witnessed the attempted kidnap of Umaru Dikko), to compile step-by-step dramatic reconstructions of disputed events and intrigues. Siollun’s fresh perspective challenges preconceived views to reveal the true story behind controversies of the period: the annulment of the June 12 election, the dubious execution of Mamman Vatsa, the foiled kidnapping of Umaru Dikko, the Orkar coup and the inconclusive case of the assassination of Dele Giwa.Historian Max Siollun gives an intimate, fly-on-the-wall portrait of the major events and dramatis personae of the period. He paints a vivid picture of leaders such as Ibrahim Babangida, whose ‘amiable personality, effusive charm and warm bonhomie’ distracted from his determined grip on power, political cunning and retention of detested laws. Siollun also relates anecdotes from how ‘pillow talk’ had a role in the 1983 coup, to the troubled final hours of the condemned Mamman Vatsa, childhood friend of Babangida. We are reminded of the important role played by civilians in supporting and sponsoring successive coups, and as such, we are forced to reassess apparent heroes such as the business tycoon, M.K.O Abiola.Alongside its close-up, dramatised narrative, Soldiers of Fortune also provides clear and detailed analysis of the period, revealing Nigerians’ complicity in the corruption of everyday life. It makes use of charts, lists and neatly delineated sections to pick apart the complex and often murky details of military rule, effectively demonstrating how the key events and protagonists of the period had a long-lasting impact which still resonates throughout Nigeria today.Both gripping and informative, Soldiers of Fortune is a must-read for all Nigerians and Nigeria-watchers. Its dramatic narrative style and clear attention to detail will engage casual, journalistic and academic readers alike.

    What has pushed the country, which has otherwise held together through seemingly insurmountable odds in the past, to the edge? In a series of dispatches the authors unveil the tensions, frustrations, challenges and justifications that are everyday realities in these troubled regions. Civil administrators talk about the widespread misappropriation of development funds in tribal and remote areas; security and police personnel describe extreme confrontations in the face of inadequate training and equipment; rebel ranks and former insurgents reveal how unemployment, lack of education and rampant exploitation have fuelled their defiance against the establishment and encouraged secessionist activities. At the heart of the on-going turmoil, ordinary people mourn the loss of their loved ones ? to starvation, lack of healthcare facilities and militancy ? even as they voice their demand to be heard.

    He travelled with the armies of both countries and could study what is effectively the ground zero—the location where entrenched animosities as well as sudden surges of comradeship are enacted. This is one of the most fortified places on the planet.Jacob writes, "I was keen on getting into their world, the world of men in uniform, fighting each other and yet respecting each other. It was a curious world. It had breath-taking adventure, mind-blowing stories and unforgettable heroism. I loved it, and I was welcome."This vividly told, fast paced narrative brings the border area to life. Jacob was given unprecedented access by the Indian and Pakistani armies and he explores how the border is seen—both in the popular imagination and by those who exist in its shadow. He chronicles the lives of civilians and soldiers, their courage and resilience in the face of constant danger and the extraordinary similarities between the two sides.

    A box set consisting of three Bill Bryson books, 'Notes from a Small Island', 'Notes from a Big Country' and 'A Walk in the Woods'.

    These top guns of tournament poker are frequent winners in today's highly competitive online scene, as well as in live tourneys. Their collective experience and track record is staggering: more than 35,000 tournaments played, more than 1,000 final tables made, over 200 major wins, and more than $6,000,000 in cashes. They regularly outplay fields consisting of other top professionals victories that are documented by detailed online hand histories.Are you ready to learn winning ways from today's true tournament experts?The authors are not only consistent winners, but powerful teachers as well. Step-by-step, they reveal their decision-making processes, using hands drawn from actual play not examples contrived to fit a particular poker theory.Reading this book is like attending a master class in tournament poker.You'll see the way cutting-edge pros use their wisdom and incredibly extensive experience to analyze almost every poker situation imaginable. Deep-stacked or short-stacked, against single or multiple opponents, you'll learn the skills that will make you a winner, including: - When and how to play aggressively or tightly- When to make moves- When to make continuation bets and when to hold back- How to induce and pick off bluffs- How to accumulate chips without constantly risking your tournament life.Poker is a fun game, but it's even more fun when you win.If you want to become a great tournament player, shouldn't you be learning from the best? NOW You can!

    Abdul Kalam.

    You see, survival of the colored race in America is at a difficult point where it has to be taught to our youth. The old practices of lynching and segregation which are thought to have been eradicated from our society lives on but in various other forms: police brutality, income inequality, unemployment and single motherhood… designs to keep our communities in perpetual turmoil and slavery.This book should be required reading for the youth and a lesson to any group that man’s inhumanity to man has not ended in America and is practiced around the world.

    King, and Howlin' Wolf; the multicolored psychedelic hallucinations promoting the Grateful Dead, Dylan, and the Doors; the deliciously tasteless art for the Sex Pistols, Crime, and the Clash. From the Red Dog Saloon in San Francisco, where the psychedelic scene started, to CBGB, New York's punk Mecca, and beyond. 1,500 images searched out world-wide from clubs, attics, and bedrooms—as well as more formal collections—are reproduced in their original blazing colors. Replete with firsthand history—including exclusive interviews with scores of insiders, poster artists, musicians, and promoters—this is the ultimate high for the rock music fan, required reading for the poster collector, a treasure trove for the graphic artist, and a riotous feast for anyone who digs pop culture.

     KEY TOPICS: It presents the principles that govern the composition of effective argumentative discourse and includes brief examples, with analyses that show students the underlying structure of the argument presented and the ways in which the rhetoric was persuasive. MARKET: For anyone interested in rhetoric and reasoning.