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    At 18, she had everything—fine luxuries, a prominent family, and an extravagant estate in Marseille. The one thing she didn’t have was her freedom. As the sole heir to the Fontaine fortune, her future was forged with a betrothal to a stranger from a foreign country, but when her family perishes at sea, Isabel sees this as a chance to hide her identity and change her fate.Taken in by poor, elderly farmers on the Spanish island of Menorca, Isabel is torn between the growing affection for a neighbor and the guilt of living a lie. The simplicity and genuine goodness of this life takes her on a journey she never believed was possible, yet, as time passes and the threat of her untruths face exposure, Isabel must make an agonizing choice.When that choice is taken from her prematurely and danger cultivates from an implausible guise, will Isabel accept the outcome, or fight to save those she loves?A historical fiction novel set in both Algiers, Algeria during French occupation and Menorca, Spain. Told in the perspective of four characters, Second Survivor is a twist on the tragic shipwreck . . . the General Chanzy in the Mediterranean Sea. 156 people aboard the barge lost their lives on the morning of 10 February 1910. There was only one survivor. This story shares the fate of a Second Survivor.

    The conventional approach used by experts to determine how much money you need to retire is fundamentally flawed. The worst part is you won’t even know it until it’s too late.This book takes you behind the scientific facade of modern retirement planning to reveal:• Why most estimates for how much you need to retire are a case of garbage-in garbage-out causing you to either overspend and run out of money or underspend so that you never get to enjoy your savings.• The 5 critical assumptions that can destroy your financial security. Which one are you making?• 3 models for estimating how much money you need to retire (your financial planner only knows 1 and it’s not the best).• How to reduce the amount you need to retire by $300,000–$600,000 or more.• How to plan for inflation, changes in Social Security, and much more so you don’t run out of money before you run out of life.• 7 creative ways to spend less while also improving lifestyle.• 3 strategies to maximize spending today while protecting for the future in case you live longer than expected.• How Monte Carlo calculators cause a dangerous deception that can leave you broke.• Explains step-by-step how to accurately calculate the amount of money you need to retire—the very first time you try, simply, and without being a math genius.• No computer, software, or online calculators necessary—it’s that simple.In one evening you can know more about how much money you need to retire than your financial adviser. This book is a practical, no-nonsense guide complete with a step-by-step plan that tells you how much money you need to retire with confidence.No retirement is secure without it.

    How did this happen? Easy, this is Greece and nothing ever goes to plan. The couple’s latest adventure in Koroni, on the Messinian peninsula, takes them on another perilous and funny journey, with house rental dramas, scorpion threats, a publishing upheaval, and much more. But when they are finally seduced by the charm of unspoilt Koroni, make new friends, grapple with Greek lessons, and reconnect with some of the memorable characters of their Mani days, they discover once more why they continue to be in love with this resilient country, despite its ongoing economic crisis. And there’s not even a sting in this tale. Well … almost! REVIEWS: "This book is rare within the travel writing genre. It cleverly combines a travel narrative with enlightened observations about Greece, while retaining a light and entertaining touch throughout.” – Peter Kerr, best-selling author of Snowball Oranges

    The Full House: Ella Campbell is a former showgirl turned minivan driving mom who can’t quite figure out how it happened that she and her perfect husband are sleeping in separate rooms. The Ace of Clubs: Kit (just Kit) is a magician’s assistant who wishes she could make her attraction for her married boss disappear. The Straight Flush: David Shepard is a flamboyant showboy with only one thing hotter than his dancing career - his lover’s jealous temper. Four friends. Four different points of view. One story of love, loss and lust in the most decadent place on earth. The only question is, what are the odds of finding true love in the city of sin?REVIEWSAcclaim for the novels and stories of Gemma Halliday:“Stylish... nonstop action...guaranteed to keep chick lit and mystery fans happy!” - Publishers Weekly, starred review “A winner,”“fast-paced style, interesting characters and story meant for the keeper shelf. 4 1/2 stars!” - Romantic Times“A saucy combination of romance and suspense that is simply irresistible.” - The Chicago Tribune “Fresh and witty little number that will appeal if you like sparkling, good stories.” “Full marks go to Ms. Halliday on what promises to be a very successful debut to a fabulous career.” - Romance Junkies “Gemma Halliday writes like a seasoned author leaving the reader hanging on to every word.” - Once Upon A Romance “If you have not read these books, then you are really missing out on a fantastic experience, chock full of nail-biting adventure, plenty of hi-jinks, and hot, sizzling romance. Can it get any better than that?” - Romance Reviews Today

    It is a direct result of bad choices made overtime that eventually turned into habits that masters you. Like a thermostat, once these habits are set, it becomes nearly impossible to break them without deliberate and intentional effort. 21 Habits of Highly Broke People dives into details on the habits that keeps people poor, and practical action steps you can take to break free from these habits. 21 Habits of Highly Broke People shows you: 1. How your choices about money is keeping you broke. 2. What the rich do differently from the poor. 3. How to break bad habits and replace them with positive habits.

    

    This is no ordinary "how-to" manual for CFA candidates. Written by an internationally published author who passed all three CFA exams on the first try, this book is packed with real strategies that get real results. What tactics make the difference? How do passing candidates set themselves apart? Direct Path to the CFA Charter enables you to adopt the right methods and strategies to pass the exams the first time around. With actionable takeaways, sample study schedules, and unique tips for every CFA Level, this book is for the serious candidate who not only wants to understand the CFA Program, but succeed in it.

    Taut and powerful, it is a keen reimagining of a whodunit in which everyone is implicated and no one is safe. It’s the summer of 1976 on the South Shore of Massachusetts. The Bicentennial is a season-long celebration, and flags are everywhere, snapping in the seaside winds, ironed onto T-shirts, tattooed into biceps. Tim O’Connor works the Cigarette Game booth at Funland—toss a quarter placed on an eight-sided ball into the right slot and you win two packs of smokes or maybe, if you’re lucky, a carton. If asked his age, he’d say he’s seventeen, but in truth he’s fourteen. Yet the kids in blue-collar Grantham—a town first imagined by Haigh in her devastating bestseller "Faith"—grow up fast, are known for being wild, and more often than not drop out of school to punch the clock at the nearby Raytheon plant. When Tim disappears after the park’s closing one night, no one makes much of it till late morning. It’s not the first time his mother, Kay, has forgotten to pick him up. It’s not the first time he has stayed out all night. By the time local cops begin their investigation, there is little trace of the boy, only witnesses to a complicated set of relationships in a place where surviving isn’t always thriving and where disappointment mixes with the salt in the air. In this superbly crafted story, the search for a missing boy becomes a search for the American dream, laying bare how destructive its promises often are. Recalling Dennis Lehane in setting and subject and masters like Graham Greene and Richard Ford in tone and style, Haigh’s latest work is a testament to all that short fiction can be. It’s a searing portrait of how much a community loses when one of its own is lost.

    Now the retail banking business model looks set to be transformed too. In Bye Bye Banks? James Haycock and Shane Richmond describe these startups, and to which areas of the banking industry they are laying siege. It shows that this assault is already well underway and that many incumbents are poised to be displaced, diminished and disintermediated. It draws on extensive research and on-and-off the record interviews with senior executives in some of the biggest banks. Haycock and Richmond conclude with the recommendation that traditional banks need to reinvent themselves by launching a ‘Beta Bank’: a lean, stand-alone organisation fit for the future for which they provide a ten-point operating model. This short book is a bold, urgent and timely analysis of the forces shaping the future of financial services. Its message to industry leaders in the sector could not be more simple: adapt or prepare to be disrupted. “This work accurately and concisely captures the effects of the disruption brought to the banking industry by the digital revolution. The comments by other banking and innovation professionals about their own experiences are particularly intriguing.” - Alessandro Hatami, former Innovation Executive at Lloyds Banking Group “James Haycock is a key voice for how the banking industry should and will change.” - Tom Hopkins, Product Innovation Director, Experian Consumer Services “If you are an incumbent retail bank, read it, get on with it, make it happen.” - Lee Sankey, former Group Design Director, Barclays

    Told through the eyes of a fictional insider, this engaging story provides a detailed look at the hedge fund business in the late 1990s and through the first decade of the twenty-first century.A Tale From the Hedge Fund World chronicles the life of a poor boy who ends up amassing more wealth than he ever thought possible. From studying Wall Street charts while sitting on the sidelines of football practice to realizing how so much money can be made in a short period of time, this book provides a bird's eye view of the inner workings of Wall Street and what it takes to make it there.Puts the word of hedge funds in perspective and reveals the competitive and lucrative nature of this field Other titles by Biggs: Hedgehogging and Wealth, War & WisdomAlso describes the bursting of the mortgage bubble and the great financial crisis that followed No one knows more about the hedge fund world of the past twenty years than Barton Biggs. His new fable offers an entertaining look at this field and those who aspire to excel within it.

    

    That often means working 40-hour-weeks and penny-pinching your whole life. How else could you save a cool $2 mil?Finance guru, former financial advisor, and Amazon bestselling author of Money Honey, Rachel Richards has one goal in mind: teaching you everything you need to know to become financially free earlier than you ever thought possible. At age 27, Rachel quit her job and retired, living off $10,000+ per month in passive income streams. Let her show you how to do it at any age—it's never too late.What is passive income? Passive income is earned with little to no ongoing work. It's no get-rich-quick scheme, but once your passive income exceeds your expenses, you are set for life. In a refreshingly realistic how-to guide, Rachel serves up 28 tried and true passive income stream models, helping you to: Achieve "Financial Independence, Retire Early" without penny-pinching Create consistent, long-term residual income (the non-multi-level-marketing way), so you can live life on your terms Have the flexibility to work when, where, and if you want Say "goodbye" to your 9-5, and create a life you totally love Eliminate your money stresses and fears Rachel supplements boatloads of research and personal expertise by interviewing well-known experts! You'll hear directly from big names such as HAL ELROD, BOBBY HOYT, DAVID OSBORN, HONORÉE CORDER, and more!Hal Elrod is the internationally bestselling author of The Miracle Morning™ Series, which has been translated into 37 languages and has impacted over 2,000,000 people's lives!Bobby Hoyt is a former high school band director and the founder of Millennial Money Man. He now makes six figures per month from his blog, online courses, and recurring revenue!David Osborn is a multi-millionaire real estate mogul who started out broke and unemployed at age 26, only to become one of the most successful real estate franchise owners in the world!Honorée Corder has written over 50 books. She teaches the You Must Write a Book Live Coaching Course and is an executive book coach!Doug Skipworth is the co-founder and principal broker at Crestcore Realty, which manages 2,500 properties in Tennessee. He personally owns hundreds of rentals!Thom Shepherd is a CMA of Texas Songwriter of the Year and has written five #1 singles!If you regularly feel the Sunday Scaries or always dread getting up for work in the morning, this book is for you. This book is for the college student already dreading the 9-5 life that waits him upon graduating; the couple who would rather spend their time doing what they want, instead of slaving away for their employers every day; and the single parent who is barely scraping by. Regardless of your WHY, passive income could be your HOW.

    

    straight from an experienced pro that has seen millions of dollars exchange hands at the closing table.” - Peter Voogd, #1 International Bestselling Author of 6 Months to 6 Figures There are countless real estate books on the market today, so why read this one? What sets it apart from all the others out there?Bestselling Author, Alex Goldstein, brings a unique perspective that many others do not. As a successful realtor and investor, Alex has been on both sides of a real estate transaction, so he knows what strategies and techniques will lead to a successful deal, and which ones should be avoided at all costs. That’s why he chose the name, "No Nonsense Real Estate," for his third book.Goldstein offers practical, proven home buying techniques, free of fluff or confusing jargon.This book is for anyone who is getting ready to buy or sell a home and wants to be as informed as possible as they get ready to begin the process so there are no surprises – whether they will be working with a realtor or doing it on their own. 9 REASONS TO READ THIS BOOK NOW: 1. AGENT - Go through the pros and cons of working with a real estate agent, and the two ways that they can add the most value,2. ECONOMICS - You'll understand the fundamental economics of the housing market in the simplest terms possible3. INVESTING - Avoid the top five mistakes (almost) all new real estate investors make4. NEGOTIATIONS - Five critical elements of a successful negotiation5. FINANCING - Possible financing options, from traditional loans to seller financing6. SELLING - Seven secrets that make selling a home as painless as possible7. BUYING - Demystifying contracts and closing costs takes the fear out of the process8. CLOSING - Walk through eight steps involved in a real estate transaction closing9. PRACTICAL - Learn how all the different parts come together in a real life case studyYou also receive three free gifts. Goldstein has put together a special document answering the most popular questions every buyer, seller or investor has during a real estate transaction. You also get special access to an easy-to-understand glossary of the most popular real estate jargon. Last but not least, every reader is access to a free video training that will teach you how to choose the best home for your family.