The Only Guide You'll Ever Need for the Right Financial Plan focuses on the art of investing and gives you the information you need to create a strategy that is tailor-made for your particular situation.Designed for savvy investors and professional advisors, this book offers the vital information needed for developing and implementing an overall strategic financial plan. In this essential resource, Swedroe outlines the basics in asset allocation and other investment planning concepts.Addresses how you can design an investment policy statement and an individual asset allocation plan Examines how to maintain your portfolio's risk profile in the most cost-effective and tax-efficient manner Offers insights on integrating risk management and estate planning issues into your plan The Only Guide You'll Ever Need for the Right Financial Plan offers a handy tool to help you make more informed and prudent decisions that will go a long way to ensure a secure financial future.

    That's why she's delighted to find herself working as assistant wardrobe mistress on a huge, lavishly produced film. And the movie's sexy star, A-lister Jono Knighton, has taken a real shine to her, so life just gets better and better. There's just the small matter of Jono's wife, the petrifying Rowan, to consider...

    Part of the highly successful Then & Now series, each spread shows an image of Las Vegas as it was, and how it is currently.

    Failure proof your real estate investing by learning these essential principles. This book is a #1 Best Seller in commercial real estate books on Amazon. It is an easy-to-follow, proven step-by-step system that investors and real estate professionals use regularly while conducting their due diligence. It will help you to make informed, intelligent decisions when deciding whether to buy or NOT buy. You will learn how to avoid mistakes with costly consequences, create more value, and take decades off your learning curve with this essential information for buying investment property. Adhering to a proven system allows you to conduct due diligence faster, easier, and more efficiently, and you’re less likely to miss something. Here are just a few of the lessons you’ll learn: Negotiating the purchase and sale agreement – Discover what you MUST include in order to maximize your opportunities to negotiate further with the seller. (Super important to know.) Reviewing the leases – Not knowing what provisions to watch for could cost you dearly once you own it. Don't leave it up to chance that it will "work out." Uncovering hidden problems and issues – Sellers will NOT disclose these, so you need to know where to look for them. They will not "hand you a list of problems" about the property. Many of these issues could make or break your investment. Critical factors to consider during your financial analysis – A list of essential questions that MUST be addressed is included. Leaving these questions unanswered can be potentially devastating to an investment. Not over-paying – Make sure you’re getting all you deserve by getting credited fairly for items on the closing statement. This includes specific items to review with instructions on what to ask for to minimize your chances of getting taken advantage of and potentially losing big money. These fundamentals remain the same and are all applicable whether they are residential rental properties, industrial, retail, or office buildings. This system will help reduce risk and create value for all of them. In addition, the handbook includes: Physical and mechanical Inspection photos that show you what to look for and how to assess issues. Due diligence checklist Due diligence document checklist Sample tenant questionnaire – Lists essential questions that you should ask when conducting a tenant interview. This provides a wealth of information when done properly. Learn this or lose out. By having this valuable system, you will be more prepared and confident in your ability to negotiate, going up against ANY seller. Most investors, real estate brokers and commercial real estate professionals barely scratch the surface conducting their due diligence. Mainly because "they don't know what they don't know.” I’ve spent over 30 years helping investors buy and sell over 9 million square feet of property and witnessed the practices of professional and small investors.

    In this 148-page hardback they reveal the places that they have got to know and love and show you why Tokyo is the friendliest big city in the world. It’s a guide book that will lead you to the best in culture and new architecture – and a few fun nights out too.The Monocle Travel Guide series reveals our favourite places in each city we cover, from the ideal route for an early-morning run to the best spots for independent retail. Full of surprises and quirks, they also feature detailed design and architecture pages, neighbourhood walks to get you away from the crowds and our favourite places to eat everything be it tasty fast food or something truly celebratory.

    But adventure strikes when she surprises the security guard raiding her father's computer. She is kidnapped and starts plotting her escape.

    100 mitos de la historia de Mexico recovers reliable documents and harsh dissertations on the laws, wars, dominations and mandates. Supported by a revealing bibliography, this work draws the true face of the nation; it brings to our attention the greatest errors of the government heads and their bloody plots, but also describes heroes and memorable events in the lives of true patriots. Mexico's official history will tremble at its roots.

    Here in this easy-to-read manual for success, Australia's leading motivational expert shows you how to achieve more of your potential. In You Can Do It! you will discover: how to set goals and focus on them, how to boost your self-confidence, how winners come back from defeat, how to improve your kids' self-esteem, how to deal with negative people, how to maintain your momentum, how to avoid plateauing out, how to recharge your marriage, how to attract the good things in life and how to use your time off as a tool for success. When it comes to success, Paul Hanna is the man to learn from.

    Forced to work all hours for Ma Kettle, owner of the local sweet shop, she can soon take no more and runs away. At first luck appears to be on her side. Sharing a flat with Ellen, an old school pal who has a special 'friend' paying the rent, keeps the wolf from the door. But fate conspires against them and Biddy finds herself homeless once more, living rough on the mean streets of Liverpool. When she applies for the post of maid with the Gallagher family, Biddy starts to feel she might at last be able to lead a normal life. Especially when she meets Dai, a young Welshman working the trawlers. But Nellie Gallagher has a secret that will change all their lives...

    But many of those bicycles disappear into basements and garages when the warm months end, parked there by owners fearful of the cold, snow and ice that winter brings. But does it have to be that way?Canadian writer and journalist Tom Babin started questioning this dogma after being stuck in winter commuter traffic one dreary and cold December morning and dreaming about the happiness that bicycle commuting had brought him all summer long. So he did something about it. He pulled on some thermal underwear, dragged his bike down from the rafters of his garage and set out on a mission to answer a simple but beguiling question: is it possible to happily ride a bike in winter? That question took him places he never expected. Over years of trial and error, research and more than his share of snow and ice, he discovered an unknown history of biking for snow and ice, and a new generation designed to make riding in winter safe and fun. He unearthed the world's most bike-friendly winter city and some new approaches to winter cycling from places all over the world. He also looked inward, to discover how the modern world shapes our attitudes toward winter. And perhaps most importantly, he discovered the unique kind of bliss that can only come by pedalling through softly falling snow on a quiet winter night.

    The Amazon beauty adores the privacy of her remote home. Until she discovers a hidden camera on her property. Bigfoot researcher Dean Hawkins is in real danger of losing his grant money if he doesn’t find evidence of his subject soon, so he’s furious after someone vandalizes his video equipment. When a dark-haired siren admits she’s the culprit, he expects an apology. Instead, she unloads both barrels on him. Ember refuses to help Dean pursue the elusive Sasquatch since she was also relentlessly harassed. Even so, the nerdy professor is the most interesting guy she’s met in forever, and she lets down her guard long enough to start falling for him. But could Dean be so ambitious that he’d sacrifice love for the sake of his career?

    Perfect for fans of Dolly Alderton, Holly Bourne and Emma Straub.

    Over 100 illustrations spotlight dozens of different varieties, including Oak, Willow, Pine, and Palmetto. Topics include shading techniques, composition, portraying shadow and light, and approaches to outlining.Author and illustrator Victor Perard, a graduate of the École des Beaux-Arts in Paris, was an art instructor at New York City's Cooper Union for twenty years. This informative volume reflects his extensive teaching experience and provides practical advice for artists at every level.

    TWO HUSBANDS. BY ORDER OF THE KING. When young Joan married William de Montecute at Westminster Abbey in 1341, she became the first and only princess in British history to knowingly commit bigamy. It was done at the command of her uncle and king, Edward III.Yet Joan of Kent is no frail English rose. For ten long years she defies her family, her country and her king to keep faith with the man she claims is her true husband.They are all sure she will break in the end.One of the most astonishing and poignant love stories in medieval history from internationally bestselling author Colin Falconer.What readers are saying about A VAIN AND INDECENT WOMAN“I really like all the Falconer books I’ve read… but this one is going to rank as my favourite. It’s one-of-a-kind. “Joan of Woodstock” doesn’t have the historical celebrity status of an Elizabeth I, or Catherine d’Medici; but I’m betting you’ll learn something, and be entertained in the process!” Shari *****“I loved this book… This captivating historical read was filled with complex and memorable characters that brought history to life. Joan of Kent was an absolutely fascinating woman whose life and times were captured so wonderfully in this book… I read it. I loved it. I bought it. It’s an historical read that shouldn’t be missed.” Meg Nyberg *****DISCOVER MORE COLIN FALCONER HISTORICAL FICTION CLASSIC HISTORY: Book 1: SILK ROADBook 2: HAREMBook 3: A VAIN AND INDECENT WOMANBook 4: CLEOPATRA: Daughter of the NileBook 5: AZTECBook 6: STIGMATABook 7: EAST INDIABook 8: A GREAT LOVE OF SMALL PROPORTIONISABELLA: Braveheart of France (published by LAKE UNION) 20TH CENTURY STORIES: Book 1: ANASTASIABook 2: MY BEAUTIFUL SPYBook 3: SLEEPING WITH THE ENEMYBook 4: LIVE FOR METHE UNKILLABLE KITTY O’KANE (published by LAKE UNION)LOVING LIBERTY LEVINE (published by LAKE UNION)COLIN FALCONER CRIME:VENOMLUCIFER FALLS (published by Little, Brown London)INNOCENCE DIES (published by Little, Brown London)

    The grace and elegance of the Japanese sensibility is reflected in both modern and traditional Japanese homes, from their fluid floor plans to their use of natural materials. In The Japanese House, renowned Japanese photographer Noboru Murata has captured this Eastern spirit with hundreds of vivid color photographs of 15 Japanese homes. As we step behind the lens with Murata, we're witness to the unique Japanese aesthetic, to the simple proportions modeled after the square of the tatami mat; to refined, rustic decor; to earthy materials like wood, paper, straw, ceramics, and textiles. This is a glorious house-tour readers can return to again and again, for ideas, inspiration, or simply admiration.