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.

    There are records of these kinds of people in ancient times, and we all know they are still alive and well today. But what we don’t know is what goes on inside their heads. Why would anyone kill for the sake of it? Why would someone that seemed so nice and so normal do such a terrible thing? What causes this kind of behavior? These and many more questions have flooded the minds of those that study criminal psychology for decades. If there was a way to know why they do what they do, it would be so much easier to counteract it. If there was a way we could prevent this from ever happening in the first place, we would all be a lot better off than we are now, trying to figure out what is causing this behavior. But now, with this book, you can get a glimpse inside the mind of a serial killer, and see why they are the way they are. There is a lot that doesn’t meet the eye, and these things could potentially change the way we deal with violent offenders forever. We could potentially treat the symptoms from the beginning and prevent another serial killer from ever entering the world. This book covers it all, from what is really going on and what caused it to how we can prevent it. This book is going to change the way you view violent offenders, and show you we really can make a difference. Read on to discover how you can be a part of the solution to this problem, and how we can end this kind of behavior forever. Just scroll up and click the "Buy now with 1-Click" button to get the book now! $2.99 Only Today! Keywords: criminal, psychology, mind, profiling, understanding, sociology, guide, annotated, legendary, victimology

    Featuring additional content in the form of photographs and record-breaking facts, The Bonus Chapter also provides a behind-the-scenes look at Guinness World Records. The Bonus Chapter is available exclusively as a richly designed eBook and includes our Top 10 Claimants, a 'Day in the Life of an Adjudicator' as well as a special section on the Olympics and a quiz to test your superlative knowledge. A perfect accompaniment to Guinness World Records 2013, The Bonus Chapter is for all those fans who want to learn even more about the ultimate authority on record-breaking.

    The text offers a strong finance foundation focusing on Internet resources and sample number problems, cases, and calculator solutions using a Microsoft Excel appendix. The text introduces the time value of money using three approaches to reinforce the concept--interest tables, financial calculator keystrokes, and investment analysis calculator software created specifically for the Mayo books.

    But company values stay relatively steady. This insight is the basis of value investing, the capital management strategy that performs best over the long term. With Good Stocks Cheap, you can get started in value investing right now. Longtime outperforming value investor, professor, and international speaker Kenneth Jeffrey Marshall provides step-by-step guidance for creating your own value investing success story. You’ll learn how to: •Master any company with fundamental analysis•Distinguish between a company’s stock price from its worth•Measure your own investment performance honestly•Identify the right price at which to buy stock in a winning company•Hold quality stocks fearlessly during market swings•Secure the fortitude necessary to make the right choices and take the right actions Marshall leaves no stone unturned. He covers all the fundamental terms, concepts, and skills that make value investing so effective. He does so in a way that’s modern and engaging, making the strategy accessible to any motivated person regardless of education, experience, or profession. His plain explanations and simple examples welcome both investing newcomers and veterans. Good Stocks Cheap is your way forward because the Value Investing Model turns market gyrations into opportunities. It works in bubbles by showing which companies are likely to excel over time, and in downturns by revealing which of these leading businesses are the most underpriced. Build a powerful portfolio poised to deliver outstanding outcomes over a lifetime. Put the strength of value investing to work for you with Good Stocks Cheap.

    Many Canadians who own their home have never considered buying a second property. And nearly one-third of retirees are worried about running out of money. The Real Estate Retirement Plan shows how homeowners can use the tools already available to them — their mortgages — to access the initial capital to invest and prepare for their retirement. This is a proven, validated antidote to today’s historically low savings rates, poor current rates of return, and pressure on CPP and health care.With examples and a detailed discussion of the principles and mechanics, Calum Ross and Simon Giannini demystify real-estate investing and make an irrefutable case for borrowing to invest.

    “Miles and miles across most of ancient Alexandria. There are an incredible number of tunnels and dwellings, many still to explore. Some Egyptian believe Alexander the Great lays buried down there.” “Ok, that sounds interesting!” Katarina said. “Alexandria once was a city of the World; superior to Rome or Jerusalem. Alexandria’s library, the most complete ever built was the center of worldwide data with thousands of manuscripts from all over the Globe. Huge in size and greater with Knowledge. Sadly set on fire during the Roman invasion, some say by mistake. Nevertheless, most of the precious literature turned to ashes and the remaining scrolls divided throughout the several empires of Earth.Some of them are in the Vatican archive… that you should know Theodor!” A lingering smile played on her eyes. She was beautiful. “You are correct, dear Katarina. I have studied some of it. Primordial Greek philosophical works, several African texts by unknown authors, even Chinese scrolls dating from 2600 BC during the Yellow Emperor ruling period.Many more are still to open. Often I think about all that invaluable information and beautiful tales of the past that no matter with short or long years I may live, I’ll never read.” “You know Theodor!? There are additional things in live besides reading.” “Everyone with its own pleasures, Peter.” We all laughed, it was a good idea keeping up moral high before our swift incursion into Egypt. We discussed a few other details and mentally warmed up for the mission. As we arrived at Alexandria’s Borg El Arab airport.

    This ebook cuts out all the BS seen in larger books and gets right to the point. By telling you the story of multiple real estate purchases I have made you will be able to put these practices to use to find properties in your area and close deals. If you want to know how to find and buy houses at rock bottom prices, this book is a good place to start. To make sure you do not waste your money, let me tell you more about to expect. I am a normal, average guy that has purchased all but one house with cash, spending as little as $5,000 and no more than $15,000. My most expensive house was purchased through owner financing. I prefer to buy cheap and use cash so that I do not go into debt. My first house cost $5,000. When I started the process, I only had about $1,000 but I sold some junk and came up with the rest of the money. I originally got into real estate investing because I wanted rental property. While that is still part of my investing, I've moved into buying and selling as well. Another aspect that I recently dipped my toes into is wholesaling, just completing my first deal. My long-term goal is to buy, renovate and sell houses for big profit and wholesale houses due to its low cost and fast turnover. Along the way, I will keep houses if they are great for rentals. If this sounds like you or something you want to work towards, that is the perspective that these books will be written from. Most of my books are short and to the point, I do this because I myself am not a huge reader due to time so I don't want to put you all through having to read a novel just to get some simple points. What it comes down to is that most things are easier than people think. I hope in telling my own story that you are able to push forward and make your first steps into real estate investing a reality. I'll be writing more on topics like this in the future, be sure to follow my Youtube channels, website and other social media for updates. "The Homestead Craftsman" & "Homemade Home" on Youtube. My website- www.thehomesteadcraftsman.com If you have any questions before buying the book, let me know. Thanks.

    We hope you enjoy the first two installments in the Joe Dillard Series, and thank you for reading!An Innocent ClientA preacher is found brutally murdered in a Tennessee motel room.A beautiful, mysterious young girl is accused.In this bestselling debut, criminal defense lawyer Joe Dillard has become jaded over the years as he's tried to balance his career against his conscience. Savvy but cynical, Dillard wants to quit doing criminal defense, but he can't resist the chance to represent someone who might actually be innocent. His drug-addicted sister has just been released from prison and his mother is succumbing to Alzheimer's, but Dillard's commitment to the case never wavers despite the personal troubles and professional demands that threaten to destroy him."Pratt's richly developed characters are vivid and believable, especially the strong Southern women who fight their male-dominated culture from behind a facade of vulnerability in this brilliantly executed debut." -- Publisher's Weekly"It's Scott Turow and Grisham... The opening chapter is maybe the most compelling I've read in a decade." - Ken BruenSmart and sophisticated, with a plot twist that will leave you shaking your head in wonder, "An Innocent Client" -- the first in the acclaimed Joe Dillard series -- will also leave you begging for more.In Good FaithA family of four is slaughtered in rural Tennessee.Two weeks later, a retired high school principal and his wife are brutally slain.Two Satan-worshipping teens stand accused.In the second of the bestselling Joe Dillard series, it's up to prosecutor Dillard to convict them. A former defense attorney who spent way too much time defending people he knew were guilty, Joe is determined to win this case to atone for his past. But an evil young woman named Natasha is responsible for the slayings and Joe knows it. Natasha is walking around free because the two boys who have been arrested are too terrified to implicate her. Now Joe must risk everything -- including his family's safety and his own life -- to bring an evil murderer to justice."This book was so intense it was scary." -- M. Cottrill, Dallas, Tex."The book ends up moving along like a thriller should; at breakneck speed." -- N. Bilmes, Vernon, Conn."This author is a must read if you love attorney and courtroom thrillers." -- Kenneth J. George, Detroit, Mich."Better than the old Grisham." -- Tompat, Melbourne, Fla.

    These money making apps pay you for completing the following: watching videos, taking surveys, completing short tasks, investing, working out, shopping online, mystery shopping and unlocking your phone. This is a great way to earn some extra cash on the side without having to use a large amount of effort. The best part is that some of these apps are completely passive, meaning you can earn a passive income without needing to do anything else other than installing the app and cashing out. As a bonus, we've also included 5 money making websites in addition to the 101 money making apps.

    She's funny, gorgeous and bonkers and when the series starts, she's seriously overweight. She heads for Fat Club and slowly starts to lose weight. The novels tell the tales of the fun she has and the people she meets as she battles the pounds, but as well as having a crazy amount of fun, she also loses weight...a massive 40lbs!! How did she do it? Here in this mini book - for the first time - she describes the rules that helped her. Also included are the stories of readers who have written in to share their weight loss stories. This is a kind approach to weight loss. It's about learning to love yourself as you shift the pounds. It worked for Mary Brown and everyone at Fat Club (even Ted who can't go a day without a bag of chips and thinks a pint isn't a pint without a bag of pork scratchings). I hope it works for you, and I hope you enjoy it, Bernie xx

    When she lost the printing business that was their livelihood soon after they had lost both their mother and father, they also lost the home in which they had both been born. Relegated to a life in a grey tenement, and long hours of Ada working in the Bow match factory and little Emma selling wares on the cold, unaccommodating streets of east London, the sisters had nothing but each other. What they shared now was a life without warmth, a life of disadvantage, a life where roast lamb and gravy was no more than a shared illusion, where Christmas was not a day apart from any other. And then Ada was forced to enter into a contract with a monster. Would he sell her to the highest bidder just as he had done to so many women before? What would become of little Emma if she were taken from her? Everett Floyd was known to be heartless. How was it that two young, vulnerable and innocent girls could melt his icy heart without even trying? In an age of misery where money distinguished people - and separated lives - could two very different worlds come together to heal the pain of the past and bring a new reality?

     So waste no more time, scroll up this page and order the the ebook right now.

    James Bond isn't a secret agent. The funny bone isn't a bone. E-readers like the Kindle were invented in 1949. Slavery has never been more common as it is today. Neanderthals were extremely smart and were able to speak. Vikings invented rap battles. Natural oranges aren't orange. Rats didn't cause the Black Death. Halitosis doesn't exist. Buddhists don't worship Buddha. Everyone mispronounces "Nutella." St. Patrick wasn't Irish. There has never been 50 states in the United States. Selfies aren't a recent fad. They have existed since 1839. Guardian angels aren't mentioned in the Bible. A comatose person can speak and walk around. Nicotine doesn't cause cancer.

    You will save 33% with this offer. Please hurry up!Have you ever considered signing up to Amazon Prime or Kindle Unlimited? Are you already a member of one of these schemes but want to learn how to make the most of your membership? If so then look no further than this book, which offers readers first-hand advice on the benefits and pitfalls of Amazon Prime, as well as a comprehensive guide to how to make the most of your membership.In today's age it can be a daunting prospect when faced with various different offers, subscriptions and devices to know which will provide the best value for money as well as deliver the most high quality service. As our lives becoming increasingly technological, and we move towards using electronic devices, we face even more choice. These choices can have a significant impact on our finances, and choosing the best option will avoid the risk of signing up to expensive or hard to break contracts.This book includes: Introduction The History of Amazon An Overview of Amazon Prime Amazon Instant Video Prime Music Kindle Unlimited Conclusion Download your copy of "Amazon Prime and Kindle Lending Library" by scrolling up and clicking "Buy Now With 1-Click" button. Tags: Amazon Prime, amazon prime lending library, amazon prime membership, lending library for prime members, lending library, prime lending library, free books, Prime Subscription, Kindle Owners With Amazon Prime, Kindle Owners, Free Ebooks, free TV Series, free Movie, ULTIMATE Guide for Beginners, ULTIMATE Guide, Beginners Guide, Prime Music, Amazon Prime and Kindle Lending Library