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.

    But Detective Kay Hunter isn’t convinced, especially when a man is found dead with the ransom money still in his possession. When a second schoolgirl is taken, Kay’s worst fears are realised. With her career in jeopardy and desperate to conceal a disturbing secret, Kay’s hunt for the killer becomes a race against time before he claims another life. For the killer, the game has only just begun… Will to Live When a packed commuter train runs over a body on a stretch of track known to locals as ‘Suicide Mile’, it soon transpires that the man was a victim of a calculated murder. As the investigation evolves and a pattern of murders is uncovered, Detective Sergeant Kay Hunter realises the railway’s recent reputation may be the work of a brutal serial killer. With a backlog of cold cases to investigate and attempting to uncover who is behind a professional vendetta against her, Kay must keep one step ahead of both the killer and her own adversaries. When a second murder takes place within a week of the first, she realises the killer’s timetable has changed, and she’s running out of time to stop him… One to Watch Sophie Whittaker shared a terrifying secret. Hours later, she was dead.Detective Kay Hunter and her colleagues are shocked by the vicious murder of a teenage girl at a private party in the Kentish countryside. A tangled web of dark secrets is exposed as twisted motives point to a history of greed and corruption within the tight-knit community. Confronted by a growing number of suspects and her own enemies who are waging a vendetta against her, Kay makes a shocking discovery that will make her question her trust in everyone she knows. One to Watch is a gripping murder mystery thriller, and the third in the Detective Kay Hunter series.

    

    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.

    This volume contains: CITY OF THE DEAD (BOOK #1) Gia Santella copes with her parents' death by drinking, spending money, and kicking butt when it's necessary. After an unexpected letter reveals that her loved ones' tragedy was murder, Gia changes her focus to revenge. Vowing to find the one responsible, the grieving daughter must stay one step ahead of a ruthless plot to end her family line. To avoid yet another family death, Gia has a bloody choice to make: kill or be killed. FORGOTTEN ISLAND (BOOK #2) Vigilante heiress Gia Santella is facing her most dangerous enemy yet. When a hate group infiltrates Gia's San Francisco neighborhood, a student journalist at U.C. Berkeley reporting on the group disappears. Gia's search for the missing student unravels dark secrets that threaten to destroy her beloved neighborhood. She is caught in a race against time. If she fails, more innocent people will die. DARK NIGHT OF THE SOUL (BOOK #3) Under the sultry Mediterranean skies, Gia thinks that she's finally escaped the dark cloud that has hovered over her most of her life. But she is wrong. When tragedy strikes and she is left reeling, she is thirsty for vengeance. But in her efforts to see revenge and justice, she finds herself face-to-face with a tangled web of deep dark secrets that threaten to destroy everything she ever believed was true. LONE RAVEN (BOOK #4) Gia Santella's hunt for her best friend leads her on a road trip to Mexico where she learns that there is no refuge from evil despite sunny skies and bucolic beaches. The beauty of Baja hides dark secrets and soon Gia finds herself caught up in a group of ex-pats who like the advantages of living in a place where people can disappear without a trace and nobody bats an eye. BLACK WIDOW (BOOK #5) A Mediterranean cruise. A fascinating new friend. An assassin playing a deadly game of revenge. Vigilante heiress Gia Santella has everything that money can buy. It's what she can't buy--love, companionship, friendship--that eludes her. When Gia is forced to take a luxury cruise, she sets aside her vigilante ways. As she enjoys exotic lands and foods, a new friendship gives her hope that she might be able to lead a normal life like everybody else. But like everything else in her life has done, her new friendship soon takes a deadly turn. TASTE OF VENGEANCE (BOOK #6) They dine with bishops. They vacation with presidents. They sleep with movie stars. So who can stop them when their actions turn deadly? Sydney Rye and Gia Santella--two fierce vigilantes devoted to justice--meet for the first time when they find themselves caught up in a deadly Silicon Valley subculture revolving around some of the most powerful men in the world. It doesn't take long for them to realize that the elite group of men are playing a depraved and deadly game and nobody will dare to interfere. It's left up to the two women to risk it all to stop the men and save more innocent lives.

    This Nolo bestseller gives every landlord and property manager the legal and practical information they're looking for Residential landlords will find the answers they need to: - screen and choose tenants- write a legal rental agreement or lease- hire a property manager- understand repair, maintenance and security responsibilities- avoid injuries and lawsuitsEvery Landlord's Legal Guide also contains state-by-state legal charts on how to comply with laws concerning: - terminating tenants- securing security deposits- privacy- discrimination- and much moreThe book also provides tips, insider information, checklists, sample letters, leases and forms as tear-outs and on CD-ROM.

    No job. No prospects. He lives in one of the most crime-ridden apartment blocks on the west coast. His girlfriend uses him for a place to stay. His father is on life support. Rent is due next week… Games are Nick’s passion. He's played them all - well, the old screen ones anyway. He's never been able to afford an Immersion tank and the amazing games that come with them, but he's seen the web casts. He knows the names of every superstar pixel runner. His heroes. So when he's picked out of the crowd to participate in a competitive, quest-driven dark fantasy RPG, his brain melts. Could this be his opportunity to get ahead? Or will he be chewed up by the machine, just another failed pixel runner by the side of the road? STRENGTH BUILD is a LitRPG serial. The Fields of Durandor is the first episode, with more to come in the coming weeks!

    Singapore, Incomplete is a collection of personal reflections about the country’s underdeveloped political culture and structure. “Ours is a middle-aged country with a maturing economy—but a political system that treats us like children,” he argues. George calls for more open “rules of engagement” that will protect and celebrate a diversity of ideas and beliefs. He critiques Singapore’s culture of fear, the lack of political transparency, and governmental groupthink. This is his first book for a general audience since Singapore: The Air-Conditioned Nation (2000).

    

    Meanwhile in London, anthropologist Kelly Kinnear is forced into violent confrontation with the shareholders of the most powerful conglomerate in the City of London, warning them of the destruction of an African country. Now the time has come to act. Together, Armstrong and Kinnear forge a passionate alliance – and begin the fight against the forces of greed, evil and corruption attacking a land they would both give their lives to save . . .Hungry as the Sea: Nick Berg - robbed of his wife and ousted from his huge shipping empire - is hell-bent on vengeance. It is the sea which gives him his opportunity. When his arch-rival's luxury liner is trapped in the tempestuous Antarctic, Nick stakes all to pit his powerful salvage tug, the Warlock, in a desperate race against time and the elements . . .Wild Justice: The hijacking of a jumbo jet off the Seychelles galvanizes anti-terrorist chief Peter Stride into the action for which he has spent a lifetime training. But in the hail of bullets which follows, he knows that this is only the beginning of a nightmare. Stride is the one man who might find the twisted genius who holds the world hostage – if only his every move were not anticipated by the enemy . . .

    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.

    Her father insists she marry. She insists that the man who wins her hand must first find matches for her three younger sisters. Sir Stirling James takes up the challenge, and the sisters are shocked when he announces the engagement of their youngest sister to the Devil of Delny. When Quin Ramsey’s surrogate brother Sir Stirling James informs him he is to wed the fourth daughter of a lesser duke, he refuses. But when he waltzes with the lovely innocent, he realizes that he wants no other man to waltz with her THE MARRIAGE WAGER He lost at cards, but won at love… Buccaneer Frasier Gordon is lucky at cards, and keeps a woman in every port. The stakes in a card game turn high, when his old friend Sir Stirling James wagers the hand of a dukes’ daughter against the fastest frigate in Scotland. Who knew the turn of one card would change his fortune forever? A LADY BY CHANCE He bargained for a lady, but the hoyden stole his heart… Signing a wedding contract for the third daughter of a duke sight unseen is the first impulsive thing by-the-book Navy Lieutenant Patrick Chalmers has ever done. When he arrives on his wedding day to claim his bride, he never dreams the beautiful woman walking down the aisle is the spitfire he saved from falling out of a tree. HOW TO CATCH AN HEIRESS It takes cunning to catch an heiress…and a handsome face doesn’t hurt Tomorrow is Sir Stirling James’ wedding day. Stirling matched the Duke of Roxburgh’s three younger daughters with reputable men. His reward is the duke’s eldest daughter, Lady Chastity, the future duchess of Roxburgh. Now, if he can only get the lady down the aisle and into his bed. When Lady Chastity bargained with her father to marry the man who could match her sisters with suitable husbands in one month’s time, she didn’t believe such a man existed. But tomorrow, she is to wed the marriage maker.

    But as Europe moves into the second decade of the twenty-first century, problems are multiplying—problems that arose due to the EU's very existence. In The Trouble with Europe, Roger Bootle, winner of the 2012 Wolfson Economics Prize, tackles the uncomfortable truth that the European Union might be going down—and could take the global economy with it.Bootle expertly outlines the factors that gave birth to the European union of the twentieth century, from the collective Euro-spirit that initiated a solution to the region's various problems and the subsequent unforeseen consequences of the compromises nations made in order to create a sustainable organization. Bootle examines how the euro has hindered independent actions of member nations, both economically and politically, before envisaging how a post-EU Europe might come about and how it would affect the United Kingdom, along with other member states and the world at large. Is a full dissolution the only answer or could the United Kingdom's withdrawal be a viable course of action? With EU elections looming in May 2014, The Trouble with Europe is a compelling read for anyone interested in the economic, political, and social future of the United Kingdom and all of Europe.Roger Bootle is an economist and a weekly columnist for the Daily Telegraph. He is currently the managing director of Capital Economics, an independent macroeconomic research consultancy. Bootle is the author of several books, including The Trouble with Markets and Money for Nothing.

    This e-sampler includes book excerpts, reading group guides, and other classified materials from the hilarious Spellman Files series.The Spellman Files is an irresistible, totally hilarious series about a family of private investigators (the Spellmans) who put the "fun" in "dysfunctional."

    Wealthy, glamorous and bored, she longed for something more.Now a talented artist with a small business, Helen creates crazy patchwork crafts to support her young daughter, Megan. Penniless, content and single, she is almost unrecognisable.But when her past unexpectedly collides with her new life, Helen finds herself torn. She knows what the easiest choice is, but is it what she wants?