But when they took $10k from their IRA they had a 50% tax increase. Why? When John died Judy’s income went down by 33% but her taxes went UP! Why? Isn’t interest on municipal bonds tax free? Then why did it cause John and Judy’s taxes to increase? When Judy took out $20k to take her daughter on a cruise it cost her $9,908 in taxes. Yet when Jane did the same it cost her nothing. And they both have $80k in total income. Why? When Bob took out $10,000 from his IRA his taxes tripled. Why? Why did Bob’s Medicare premiums nearly double when he took out an extra $10k from his IRA? When Jenny, a divorced gas station attendant making $35k a year inherited an IRA from her mom she lost 25% in Federal Taxes. Why? In this book we’re not only going to answer these questions but we’re also going to show you what you should be doing NOW to avoid the stealth tax increases retirees face but are ignorant of...until it's too late.

    The pair have been through rough times, so they decide a vacation is in order. Expecting to find a comfortable getaway, they encounter a phenomenon neither has ever experienced; True Love. Watch them grow and bloom as you experience their love with them.

    He can't figure out why the thought is there, why he's thinking that way, after all he's only sixty years old and in good shape. A series of weird crimes confront him, challenging him at a time he feels most vulnerable. Eventually, assisted by a reliable deputy and a young, heavily-tattooed, former drug-running woman, the mysteries deepen. The clues are few and far between, the violence vicious and seemingly unwarranted. Eventually things slip out of control, until a small, seemingly unimportant detail surfaces that brings into focus what might be happening. Filled with exciting action, great dialogue and a very real sense of place, this book offers much for the mystery and action lover. And, at only 213 pages, it's a fast, exciting read, a "two-nighter," or perfect for a vacation read.

    

    Silky Milky likes to leave the refrigerator to hang out with his friends: Cookie Rookie and the three cereals, Funch, Hunch and Crunch. Read this fun and entertaining bedtime story now!

    

    A knight in distress.
 And a dark night in London.Maryann Hayes has set her sights on marrying Lord Hefferton, a kind, respectable gentleman, who promises to be the solution to her family’s financial problems. After her drunkard of an uncle gambled away the family’s fortune, debtors are now knocking on their door. The only solution is a respectable marriage to a wealthy man.

Admittedly, once upon a time, Maryann dreamed of love and passion, of the one man who would sweep her off her feet, see with one glance what lived in her heart and was willing to risk everything to win her hand.

Now, as a grown woman, Maryann is determined to face facts: love is nothing but a fairy-tale, and she better ought to forget those girlish dreams.

Leopold Lancaster, the future Marquess of Elmridge, finds himself rather intimidated by the title he is to inherit. Not only does the thought of losing his beloved father break his heart, but he also fears disappointing all those who depend upon him for their livelihood.In a dark moment, Leopold ends up drunk and rather unsteady upon his feet on the streets of London at night. He can barely see straight, let alone remember where he lives, when he stumbles upon an angel in disguise.

Rather heroically, the young lady comes to his rescue, and Leopold is surprised to find a kindred spirit as those bright blue eyes look into his. When they finally part ways, he is determined to seek her out, knowing he has to see her again.

Unfortunately, when he does, Leopold is forced to realize that the lady is already promised to wed another.
If you like regency romances with a touch of mystery, a dash of humour as well as deep, heartfelt emotions, then you’ll love this installment of Bree Wolf’s Love’s Second Chance Series. Grab Persuaded and Rescued, get a cup of tea, settle into your favorite reading spot and start this swoon-worthy romance now!

    Told from the perspective of a young wife who’s become increasingly frustrated with her mild-mannered husband, “The Trespassers” begins as a quiet domestic drama and quickly escalates into a nightmare. When Evan refuses to confront men who are illegally hunting on the couple’s remote homestead, Chris takes matters into her own hands, with terrifying results. Written in 1958, when Leonard was working at a Detroit advertising agency and writing short stories on the side, “The Trespassers” shows the emerging talent of a man whose spare style and dark wit would redefine a literary genre. Filled with as much sexual menace as Sam Peckinpah’s classic thriller “Straw Dogs,” this timelessly relevant story delivers a sly surprise that could only come from the mind of Elmore Leonard. ABOUT THE AUTHOR Elmore Leonard wrote forty-five novels across his six-decade career, including the bestsellers “Road Dogs,” “Up in Honey’s Room,” “The Hot Kid,” “Mr. Paradise,” “Tishomingo Blues,” and the critically acclaimed collection of short stories “When the Women Come Out to Dance.” Many of his books have been made into movies, including “Get Shorty,” “Out of Sight,” and “Jackie Brown.” “Justified,” the hit series from FX, is based on Leonard’s character Raylan Givens, who appears in “Riding the Rap,” “Pronto,” the short story “Fire in the Hole,” and the novel “Raylan.” Leonard received the National Book Foundation’s Medal for Distinguished Contribution to American Letters, the Lifetime Achievement Award from PEN USA, and the Grand Master Award of the Mystery Writers of America. He was known to many as the “Dickens of Detroit” and had lived in the Detroit area since 1934. PRAISE FOR ELMORE LEONARD “Elmore Leonard can write circles around almost anybody active in the crime novel today.” —The New York Times Book Review “There is no greater writer of crime fiction than Elmore Leonard, and no one who has more resplendent energy.” —The Guardian (UK) “Elmore ‘Dutch’ Leonard is more than just one of the all-time greats of crime fiction. He’s … an authentic American icon.” —The Seattle Times “People look on writers that they like as an irreplaceable resource. I do. Elmore Leonard, every day I wake up and—not to be morbid or anything, although morbid is my life to a degree—don’t see his obituary in the paper, I think to myself, ‘Great! He’s probably working somewhere. He’s gonna produce another book, and I’ll have another book to read.’ Because when he’s gone, there’s nobody else.” — Stephen King “The King Daddy of crime novelists.” —The Seattle Times “As crime fiction goes, Leonard has few living equals. His characters leap from the page with a few short keystrokes, like a form of bloodstained haiku.” —The Cleveland Plain Dealer “[Leonard’s] finely honed sentences can sound as flinty/poetic as Hemingway or as hard-boiled as Raymond Chandler. His ear for the way people talk—or should—is peerless.” —The Detroit News “A master of narrative … A poet of the vernacular … Leonard paints an intimate, precise, funny, frightening, and irresistible mural of the

     Abandoned as a baby Maise never gave up hope that one day her mother would return to claim her as her own, but as she stood in the dirty river water that dream soon washed away. She soon learnt that life was like the river; dark, fast moving and dangerous. Life would teach her lessons she had never wanted to learn, but would fate mend what had been broken, before she succumbed to the Thames as so many had before her?

    

    Sarah Morgan’s only mistake? Finding it.The world holds its breath as the colossal asteroid 2011 AG5 hurtles towards the earth. As humanity is faced with extinction, archaeologist Sarah Morgan is in a race against time to uncover a secret that has been buried for millennia: that an advanced ancestor once populated the earth. As Sarah travels across the continents in search of the truth, she discovers there are those that will kill to protect this most ancient of secrets...Meanwhile, in a clandestine facility below the earth’s surface, Professor Steiner has been charged with overseeing the preservation of the human race. Steiner believes he is on schedule to deliver his task, but as the world is poised on the brink of destruction Steiner’s plans begin to unravel.That which has lain buried may yet prove to be their only hope…Dark Descent (Book 2)The journey begins...Plunged into darkness, the Earth’s surface is shrouded in dust from the impact of asteroid AG5.Whilst the cloud threatens to choke the very fabric of civilisation, Sarah Morgan is being held prisoner. In the depths of a subterranean facility, she has uncovered a deadly weapon; the truth behind the enormous structure buried beneath the Earth.Elsewhere, Professor Steiner and Robert Goodwin may be humanity’s greatest hope, but they must struggle against monumental adversity as an internal battle rages within the Global Meteor Response Council.Running out of luck, choices and time, all must fight to reclaim their chosen paths or watch those around them wither and die.Let There Be Light (Book 3)In the darkness, you can’t always trust the light...A year has passed since the cataclysmic impact of asteroid AG5. Whilst Earth’s survivors struggle against a devastating winter, the world’s finest assemble on the International Space Station for a covert mission that could change the course of civilisation.Back in the U.S., Former Director General Steiner is due to stand trial for masterminding heinous acts of terror. As calls for the death penalty gain momentum, those that sit in judgement are unaware that Steiner holds the key to the survival of the entire human race.Meanwhile, marooned in separate locations within the colossal underground realm known as ‘Sanctuary’, Sarah Morgan and Richard Goodwin are fighting for their lives to reach the surface. Unbeknownst to them, their shared purpose is about to awaken a terrifying denizen of the deep...

    

    

    . . . I did have stories. I hadn’t dared to tell many people about them, but I definitely had had what I believed to be encounters with the Divine. I wondered if many other people had stories too. What happened next surprised me most. I realized that a Divine intelligence that many people call God is connecting with millions of people every day. These are their stories.” —from the IntroductionIn God Stories, Jennifer Skiff shares the extraordinary experiences of people who have felt the power of God’s presence in their lives and been forever changed. A doctor opens the chest of a dying heart patient to discover her heart is healed; Marines watch as a fellow soldier in Iraq is hit by a powerful explosion only to discover, when the dust settles, that he is still standing and has no injuries; a struggling couple receive an answer to a prayer and are prevented from making a mistake that could cost them their children; a young woman loses her boyfriend on 9/11 and receives a message that brings her peace.Reassuring, hopeful, and unforgettable, these amazing confirmations of divine intervention will lift your spirit and leave you wondering—and even remembering—when your life was touched by a miracle.

    And  a grouping of four stories at the end follows a divorced psychiatrist in an arc that constitutes a short novel.   Included are: “His Women,”  “Great Sex,”  “Old Love Affairs,” and  “The Drinking Club,”  “Patients, “The Wrong Mexico, “ and “Earthquake Damage.”