10,000 Americans turn 65 each day, and their average life expectancy is another 20 years--and many will live longer. But will they just live or have a meaningful life? The truth is that many--if not most--people approaching the latter years do not have a plan, much less a strategy to thrive instead of just survive. Packed with information based on research as well as common-sense wisdom, here are some examples of what readers will discover: - How retiring at the wrong time increases the likelihood of dying 89%. - What can delay Alzheimer's onset an average of 9 years. - How everything that makes you happy comes in just 3 forms. - Which partner is most likely to initiate divorce after decades of marriage and why.

    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.

    The passive investment strategies for wealth building and income generation described in this book have traditionally been used by some of the world’s most sophisticated institutional investors, but are now available to nearly everyone thanks to recent regulatory changes. This handbook will guide you through the process of building your own diversified real estate portfolio by identifying and making investments with established and experienced private real estate operators. This is NOT another get-rich-quick real estate fix & flip scheme. You will NOT be encouraged to sign up for conferences or clubs to learn a no-money-down investment strategy. This IS a practical guide meant to help you avoid common mistakes and navigate more skillfully through an often byzantine industry. You will learn: - What a private real estate investment is; the mechanics of syndicates, funds, and crowdfunding - Fundamentals of basic real estate evaluation - How to evaluate operators and investments - Fees, incentives, and other loads - Common terms and structures - Strategies to evaluate and manage risk - How to create and execute a personalized investment strategy Most people underestimate the time requirements, complexity, risk, and general brain damage involved with buying real estate directly. Thankfully, private real estate investments provide most of the same benefits as direct ownership, while taking advantage of established real estate companies’ years of experience, market knowledge, industry reputation, negotiating leverage, and expertise. Even better, they allow investors to diversify their investment allocation across a range of real estate product types (multifamily, retail, office, self-storage, etc.) and throughout the capital stack (equity, debt, mezzanine, and preferred equity), all while working with specialists in each strategy. Written by an experienced practitioner with over $3 billion in transactional experience, this book challenges conventional wisdom and provides an inside look into how the industry actually works. Using the practical tips and strategies found here, you can build your own unique real estate portfolio, manage risk, avoid common mistakes, hopefully make money, and perhaps even have some fun along the way.

    Features the author's catalogued interviews with experts across the globe, focusing on the disruptive technologies, platforms and behaviors that are threating the traditional industry approach to banking and financial services Topics of interest covered include Bitcoin's disruptive attack on currencies, P2P Lending, Social Media, the Neo-Banks reinventing the basic day-to-day checking account, global solutions for the unbanked and underbanked, through to changing consumer behavior"Breaking Banks" is the only record of its kind detailing the massive and dramatic shift occurring in the financial services space today.

    Reid's chief suspect, a ruthless financier, always seems to be one step ahead of him. After one of his men is murdered, Reid suspects he's got a traitor in own camp. When Reid's wife, Anne, becomes deeply embroiled in the investigation, things get dangerously personal. The cold Glasgow spring isn't the only thing chilling Anne's blood when she leaves California to try to save her marriage. The estate gardens she's renovating are owned by her husband's enemy, her sister-in-law is trying to get her killed, and her efforts to help Terrence plunge-and her unborn child-deeper and deeper into peril.

    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.

    But a strange encounter with a beautiful blond boy on the beach leads to a terrible tragedy, the consequences of which are to affect Connie and William for the rest of their lives.

    NEW, edited and updated version. (Formatting, spelling and grammar corrections made, plus some new material added) Please note, this is a politically incorrect story. It bashes the current administration. Irony is winning the Powerball lottery six months before the world's economies meltdown. The Shelter tells the story of a family who wins $27 million in the lottery, they pull roots and move to Nashville where they buy a large home bordered by three farms. With the money in hand the world's economies in the process of melting down. They 'buy the farm.' They purchase the three farms and the 7,000 square foot house. The farms are able to provide food when the economies collapse. The house is large enough to hold all of their extended family. To ensure their survival, Jay decides to build a large shelter under the farmland. Jay befriends the local Mafia 'Don', Tony, who helps him in exchange for a ticket in the shelter. Book one tells the story of Jay and Lacy, winning the lottery, their move to Nashville, buying the farms and building the shelter while the world goes to hell around them. The world starts to melt down when the people of Greece elect a new Prime Minister, who defaults on their loans to Germany. The EU falls apart when the other European Nations follow Greece's lead. China demands payment of its debt from America or the state of Hawaii. The President increases taxes to raise the $1.4 trillion needed to pay China back, putting enormous stress on the American economy. Russia adds gasoline to the fire by dumping their dollars. Russia helps destabilize the EU so they can invade by offering humanitarian aid. When the American economy collapses, distribution of food stops, starvation becomes a real problem. The cities explode in violence due to the lack of food and clean water. As the insanity spreads, Jay builds a shelter complex to house over 40 people for more than a year without surfacing. A shelter, he thinks, is an insurance policy, one he hopes he'll never have to use. A shelter complex he and his neighbors, need in order to survive an invasion of their farms. All of their winnings are worthless when the only real currency is a loaf of bread and a bottle of clean water. There's a special sneak preview of my next book, "In the Year 2050. America's Religious Civil War" included at the end of the "The Shelter."

    The young military widow leaves dozens of messages for her father but receives no response. Looking for a copy of her mother’s obituary, Roxie reads an article in the newspaper and discovers her entire life is a web of lies, secrets, and deceit. The story sends her off in search of the truth about the man she idolized. She drives to her father’s birthplace—Manhattan, Kansas—and moves into her grandmother’s huge, three-story, hundred-and-fifty-year-old house. It’s been vacant for decades, but Roxie begins to believe she’s not the only occupant. She doesn’t know if there’s an intruder or if the spirit of her grandmother is watching over her. In only a matter of days, someone has made several attempts on her life. She calls in her best friend, Janice Tallchief—retired on a disability from the Kansas City Police Department—to act as her bodyguard. Can Jan and Roxie unravel the mystery before the killer succeeds?

    A Struggle of Inner Beasts, Secrets, and Sheer Will To Protect The Ones You Truly Love The North Peak Shifters Collection features strong, independent women locked in a battle between their dark past and the potential for a bright future. When a pack of drop-dead gorgeous, seductive shifters finally experience love, they're forced to face the reality of their dangerous lives. As fate trudges the pack North, the path to their happily ever after is filled with thorns, secrets, and the risk of losing it all. Featured Books in this Collection Book 2 – Blue Ridge Bear Book 3 – Peak Point Bear Book 4 – Bolt Castle Bear Book 5 – Alexander Bay Bear Other Books in this Collection Mason's Match Professor Drake Moonlight Alphas Exclusive free access to East River Bear: North Peak Shifters Book 1 is also included inside. This is a box-set is packed with stand-alone paranormal romance stories with no cheating or cliffhangers and a HEA! For those who love alphas, shifters, and steamy adventure. Story contains mature themes and language, and is intended for 18+ readers only.

    Things changed for her when the family moved to Oxfordshire. Lew was a doting, loving father who turned into an alcoholic and mentally and physically abused Agnes, his wife. She spent time in prison for a crime she didn’t commit, that’s when it all started. At the age of twelve Tina was being bullied at school, sexually, mentally and physically abused by Lew, and as a punishment he sodomised her. Over a period of two years he persistently raped her and beat her. When Agnes was released from prison Lew carried on raping Tina. Agnes never knew. Eventually Agnes plucked up the courage to divorce him. Tina couldn’t tell Agnes about the abuse, thinking she may not be believed. Everything got too much for Tina, she ran away from home and hitched hiked up to Scotland where the rest of the family lived, but got caught by the police in Edinburgh and returned home. She kept running away and ended up in Birmingham, where she got raped and impregnated by the rapist, she had a baby girl who died eight hours after birth. Tina was kept being put in hostels but kept absconding from them. She had a relationship with Alan and had his child but he denied it was his because his mother told him Tina had an affair with a black man and the baby was black. She met Dan and got into a relationship with him, she had his child and he ended up beating her. Tina married Keith who took on the two eldest children as his own. Tina found him out to be a serial adulterer and had a messy divorce with him going for custody of Naomi and not the other four. Tina married Omar, an Egyptian. He took her into hospital for an operation and after she came round they told her she had cervical cancer. Omar disappeared and came back two days later with no explanation where he’d been, and when she came home no one had seen him for a week. She phoned his friends to find out if they had seen him, they told her that he’d gone back to Egypt for a couple of weeks because his family needed him. The marriage lasted for another two years and eventually ended in divorce. Tina found out her abuser - her father - was in hospital dying with cancer. She went to make sure he was dying and ask him why he did what he did? She went to his funeral just to make sure he was dead and buried. As she passed his coffin she spat on it. Twenty-five years later the truth came out. Tina wasn’t a victim anymore, but the truth divided the family. Ann and Marie called Tina a liar and wouldn’t believe her because Marie asked Lew and he blamed Tina.

    DavenheimThe Adventure of the “Western Star”The Tragedy at Marsdon ManorThe Million Dollar Bond RobberyThe Adventure of the Cheap FlatThe Mystery of the Hunter’s LodgeThe Kidnapped Prime MinisterThe Adventure of the Egyptian TombThe Adventure of the Italian NoblemanThe Case of the Missing WillThe Chocolate BoxThe Veiled LadyThe Lost MineThe Affair at the Victory BallThe Adventure of the Clapham CookThe Cornish MysteryThe Adventure of Johnnie WaverlyThe Double ClueThe King of ClubsThe Lemesurier InheritanceThe Plymouth ExpressThe Submarine PlansThe Market Basing MysteryThe Adventure of the Christmas Pudding

    Always afraid he was about to die, he climbed into the cockpit anyway ... and lived to tell you about it. How would you feel if you were a new guy in the sky ... attacked by four Messerschmitts? Let me tell you, no matter how much you prepare, no matter how much you read, how much you train, no matter how much you think of yourself as a 'Hot Shot Pilot,' you are never ready for life and death combat! How did it feel to say a 'last goodbye' to your bride believing you would never see her again, as you left to fight WWII? Author's Facebook page at: facebook.com/P38Flyer/ As reviewed by A. L. Hanks, Lieutenant Colonel, USAF (Ret) who said it perfectly: In "Brave and Funny Memories of WWII" Lyndon Shubert, to our great benefit, tells us his story, an engaging tale of his WWII experience as a fighter pilot in WWII. A member of the "greatest generation" he recounts his days (and nights) flying P-38 fighters in the wartime skies of Europe. The tale is told in a relaxed, conversational style, honest and personal. The reader will appreciate the authenticity and the easy humor. He tells us a story that is at once delightfully humorous and deadly serious. He shares that unfettered sense of flying a powerful aircraft free in the vast expanse of the sky. The special sense that pilots have when they "can reach out and touch the face of God". Shubert relates the feelings of men in combat, that gripping apprehension in your gut when you know you're going to die, your senses at full maximum intensity, and then that striking after mission fear when you look back and realize that you cheated death once again. Shubert was indeed a special fellow. We are indebted to him for his service and his book. He captures a special piece of the American character and our history that is essential to pass on to our children and grandchildren. Lt Shubert was exceptional, a USAF officer and a fighter pilot who fought the war and earned the Distinguished Flying Cross. The author reminds us once again why fighter pilots are special. Why they are ubiquitously viewed as swaggering "raconteurs", with big egos and big watches who can sometimes be insufferable. But his tale also captures the reality of one-on-one aerial combat, loser goes home.... to God.

    It seemed like a lifetime of desire that had only led to friendship…until last night. Now, he had to clear his head. Could he avoid screwing up? Getting past the “friend zone” was one thing, but what he really wanted was love.He told her he had to leave.But he would be back.She seemed pleased at the thought.Mitch left for the airport. He had never been happier. Years of distant longing faded into joy. Nothing could ruin it for him, he thought.He was wrong.Paul carried with him the pain of a single slight in college. It fueled him and the hatred drove his success. Now, a billionaire, he had almost put the memory behind him…until he saw them. In an instant, he had the perfect plan…but how does one become a serial killer and pin it on another?He would need to be careful.It would take planning.Could he ruin Mitch’s life in the most horrible way possible and walk away?

     Reawakening the forces of magic... And letting in monsters of myth and their dark-elf masters. Now, the fate of all will fall upon two women gifted with magical powers and a veteran Special Forces soldier. If they fail, it won’t just be the end of the Dark-Elf War. It’ll be the end of all human life. *** Read the complete story now! Includes: - Book 1: Starlight - Book 2: Gunz - Book 3: Ranger The Dark Elf War trilogy by former army officer William Stacey is a thrilling blend of urban fantasy and military sci-fi. You’ll love these books for their breathless pacing, believable characters, and non-stop action. Get the complete Dark Elf War Trilogy, more than 1500 pages of magic, monsters, and Special Forces action. Grab all three now!