All around her people talk about miracles happening to them and how God acts in their behalf. Even the scriptures are full of angels and miracles. As she and her family teeter on the brink of losing everything, Angela needs one of those angels now more than ever.Her faith wavers as everyone around her seems to receive divine help—everyone except her. Doesn't she too, deserve an angel of mercy? Does the Lord have a plan for her or has her lifetime of faith been misplaced? Then something strange begins to happen, and her entire life changes yet again.In this fast-moving novella, Rachel Ann Nunes has given readers a vivid peek into the life of a regular Mormon family facing an impossible trial. Or is it impossible? The Gift of Angels will not only make you aware of the angels in your life, but inspire you to become someone else’s angel. “An inspirational novella, a sort of fictional nonfiction that puts me in mind of The Peacegiver by James L. Ferrell. Nunes uses a similar approach to reveal important life principles, except the fiction in A Gift of Angels is a lot more realistic. Loved it!”“The family in The Gift of Angels is so real it could be my own.”“I don’t normally like nonfiction books, but this book has all the perceived value of a nonfiction title with the reading ease of fiction.”“I recommend The Gift of Angels to anyone who is going through trials or who has ever asked the question, ‘Why me?’ ”“In The Gift of Angels, Nunes shows a perception that goes deeper than most fictional reads. I highly recommend it.”

    Yet when Lance Armstrong, starting his comeback from cancer, signed for US Postal, it was Emma, the only woman on the team, who became his personal soigneur. This is the definitive inside story of that time, and of the enormous repercussions that resonate to this day for Emma, Lance and the whole sport.Emma had the strength to break cycling's omerta by speaking out against the culture of doping. She thought she would be one of many whistleblowers, doing what she believed was right. Isolated and shunned by the sport she loved, however, her reputation was systematically destroyed. And yet she had the courage to bounce back, and remarkably, to forgive those who made her existence a living hell. This is the ultimate memoir of truth and its many consequences.

    Let’s have you destroy your debt. Let’s have you be rid of it forever. That’s exactly what this 80/20 guide is going to give you—a sure-fire, bulletproof, tried and true method for destroying your debt. Debt, in almost any form, is lame. Nope, “lame” is probably not a strong enough word for it. Debt is a burden. Debt’s a drain. It’s a mood killer. It’s a relationship strainer. It’s a cash flow crusher. Sheesh. It takes the fun out of just about everything. Sure, you’ll hear fancy-pants people tell you about “good” debt and “bad” debt and the like. They’ll discuss fancy terms like “opportunity cost” or the value of using “OPM” (other people’s money, and if you didn’t know what OPM meant, bless you). They may even use another three-letter acronym like “ROI” when they’re talking about how you can leverage debt and get a better return on your investment. Well, we’re not talking about capitalization of a multi-conglomerate business. We’re talking about your personal finances. And when it comes to personal finances, debt is a draining, mood-killing, cash flow-crushing burden—and it’s lame. Heck, debt collectors, big banks, attorneys ... they all make debt personal. So I think it’s safe to say that your debt belongs right square in the middle of what we’d call your personal finance. Yes, let’s make this very personal. Let’s talk about how you got into this mess of debt, where you want to go, and how you’ll get there. And, true to our 80/20 guide form, I’ll tell you everything you need to know and do as quickly as possible. Unless I see a good opportunity for a joke, where I’ll drag it out just a bit longer.

    From evaluating whether professional speaking is an appropriate career and setting up an office to creating a dynamic marketing platform and designing the perfect website, this text takes readers through all stages of establishing a profitable and rewarding business.

    . . Life is tough on the cobbled backstreet courtyards of Abbey Street, Warwickshire, in the 1840s: boys are destined for the pit and girls for the mill. Despite this, clever, feisty Maryann is happy there - until her mother dies. Her family collapses, leaving Maryann coping with everything, exhausted and lonely. Especially as Toby, the boy she is set on marrying, insists they wait.When things are at their bleakest, Maryann is offered a lifeline: a position as nanny to the daughter of the mill owner, Wesley Marshall. Though the house is filled with secrets and heartache, there is kindness, too, and to Maryann's surprise she grows close to Marshall. But their relationship has not gone unnoticed and it threatens to unleash a world of problems on them all . . . A warm and captivating story of fighting for love in the face of adversity, from much-loved author Rosie Goodwin.

    Many of us begin our twenties burdened with college loan payments, and it's not unusual to end them with even more debt, often in the form of a costly home mortgage. In this debt-bracketed decade, it's crucial to develop solid money-management skills that will see you into your thirties in sound financial shape. The more you learn about saving, budgeting, and other money matters during your twenties, the more solid a foundation you can create--a foundation that will support your financial life for the next seventy years! In this lively and fun book, personal finance expert Peter Dunn offers practical tips and strategies created specifically to address the financial concerns and goals of readers in their twenties. Learn to master the challenges of this crucial decade with YOUR MONEY LIFE: YOUR 20s.

    Are you a recording artist, songwriter, music business manager, music industry executive, publisher, music/TV/radio journalist, media student, accountant or lawyer? Are you fascinated by the world of the music industry that fills out daily papers? If the answer is yes, Music: The Business will tell you everything you need to know.Fully revised and updated to embrace the new challenges of the Internet downloads, ringtones and the huge changes at the major labels, this indispensable book answers all the questions, demystifies all the jargon, reveals the facts behind the headlines and the real figures underlying those multimillion pound deals, while offering practical and essential help and advice.

    It of course depends on your health, the company you work for etc. However in the first chapter I would like to introduce you to the concept that retirement is an amount of money! After all, if you have that magical amount why not retire early?The second chapter takes you through the steps and importance of planning, and to the dangers of not planning. Like any financial goal, retirement is also a goal and has to be approached in a financial planning mode. So Retirement Goal Setting becomes a very important and is perhaps the first step in Retirement planning.How much money is adequate for a person to retire? It is a question that is very difficult to answer. Here is a generic answer telling you what are the factors to consider while trying to answer this question. This chapter has many pointers and a calculator which leads you towards the answer. Remember this is not an answer cast in stone as the facts keep changing, so will your answer. Can you really retire by investing an amount as little as Rs. 40 a day? The answer is yes it is the power of compounding. If you do have n or time on your side, it is possible to retire on an amount as small as Rs. 40 a day. And the fantastic thing is that this small amount can be got by making very simple changes in your life style.We then deal with Annuity the withdrawal stage. After all if you have accumulated money for your retirement, you should also know how to withdraw. Here we deal with what is annuity, what are the methods of creating annuities, what options are available, and the works about annuity.Retirement savings and investments are invested in various instruments. A book cannot really do justice to all the schemes that are currently available. However here is an attempt at that. It is accurate to the extent that the sources from where the details have been taken are up to date! There are books specializing in information about investment products which are produced on a yearly basis. One book which immediately comes to mind is In the Wonderland of Investments by Mr. Shanbag. A few chapters are devoted to answering how much and what type of insurance should you look at during retirement, the attitude of the Indian family to retirement, the need to make a will, some retirement blunders, etc. The book is rounded off with some useful calculators regarding how much to save, effect of inflation etc. These are simple calculators which can be created in excel. Some of these calculators can be found on websites like moneycontrol.com or in google.

    Football fans recognise instantly how he dribbles the ball, but there's a great deal about him that has never been made public before. Cristiano recognises that his youth does not yet give him the right to produce an autobiography, and Moments does not set out to be one. It is an invitation to the reader to share with him some of the most fantastic moments of his career so far, and get to know him a little better. As well as an array of sumptuous photographs Cristiano Ronaldo gives his thoughts about his life so far, both on and off the pitch.Moments relates the story of his love of football from early childhood in Madeira; the homesickness he suffered as a result of the move, aged 12, to a football academy in Lisbon; through to his time with Manchester United, the club which has really made him famous and turned him into a football idol at only 22 years of age. He speaks of his love of playing for his country and the love and support of his family, as well as the sad moments in his life such as the death of his father. The book also shows glimpses of him training and enjoying his leisure time, the charity work he involves himself in, as well as off-field activities in both his professional capacity and for pleasure. He hopes that through these stories, and beautiful photographs by Jorge Monteiro, you will get to know Cristiano Ronaldo a little better. As you finish reading the last line he also trusts you will have enjoyed the book with the same enthusiasm you would get from watching him play football.

    Yet many regard him as a shy and introverted personality.

    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.

    But for most of us, investing can be stressful and confusing, especially when supposedly expert predictions fail. Enter The 3% Signal. Simple and effective, Kelly’s plan can be applied to any type of account, including 401(k)s—and requires only fifteen minutes of strategizing per quarter. No stress. No noise. No confusion. By targeting three percent growth and adjusting holdings to meet that goal, even novice investors can level the financial playing field and ensure a secure retirement free from the stress of noisy advice that doesn't work. The plan's simple technique cuts through the folly of human emotion by reacting intelligently to price changes and automatically buying low and selling high. Relayed in the same easy-to-understand language that has made The Neatest Little Guide to Stock Market Investing such a staple in the investing community, The 3% Signal is sure to become your most trusted guide to investing success.

    Pensions have almost completely disappeared and the financial future of Social Security has many worried. This book shows you how to take control of your own future by teaching you the fundamentals of investing.Many people are afraid to put their hard earned money in the stock market because they don’t want to lose it all. This book shows you how to invest your money for growth instead of treating the stock market like a slot machine and just hoping to get lucky. Inside the book you will discover: The basics of what the stock market is and how it works The differences between passive and active investing The differences between stocks, bonds, and cash All about mutual funds and other types of funds What you need to know about the economy to make good investments How to plan for retirement All about risk And Much More This quick start guide will help you go from knowing very little about investing to being confident in starting your own investment in your retirement.If you are looking for a get rich quick scheme, this book isn’t for you. But, if you want to learn about how to invest and the best ways to plan for your retirement, this book will start you on the path of taking control of your own future.The sooner you get your copy, the sooner you can start your personal investment education. Don’t wait another second. Get Your Copy Right Now

    On the brink of desperation and bankruptcy, she gets a call from the Prince Dating Agency..That's when her whole world shifts During her first interview, she meets Mason. An instant, cosmic connection sweeps over her... Mason Sinclair is a hardened, successful playboy who's worked his way up the social ladder and has plenty to show for it. That is, except a woman to share his bed. When Mason faces ultimatum to find a mate, the former playboy turned workaholic reluctantly realizes he needs dating help. Mason decides to pursue Ava..regardless of the consequences. Will they each find what they need in one another and make it work against all odds? Steamy, Fun Standalone romance with a HEA. Contains mature themes, adult language, and sexy shifters. 18+ Readers Only!.

    They soon discover that the monster is in fact a submarine called the Nautilus, headed by Captain Nemo, an enigmatic man who has withdrawn from the world. When Arronnax and his team are taken prisoner by Nemo, the Nautilus heads into the deepest fathoms of the seas where adventure and discovery await. Twenty Thousand Leagues Under the Seas is a science-fiction classic that has been adapted into numerous films, television episodes, comic books and graphic novels. This edition uses the 1991 F. P. Walter translation which restores a great deal of material that was cut in the original English translations of the work. HarperPerennial Classics brings great works of literature to life in digital format, upholding the highest standards in ebook production and celebrating reading in all its forms. Look for more titles in the HarperPerennial Classics collection to build your digital library.