The book not only describes the phases of this process, but also shares recipes, inspiring styles, and valuable tips to make the transition easy and rewarding. Also included are full-color photos of various hairstyles, including afros, twists, cornrows, and coils, and information on hair products, hair structure, and extensions and weaves.

    Woog lifts the lid on a world that's part jungle, part nursery, a place both sweet and feral, where the rule of law is tenuous at best and primitive desires hold sway over order and discipline. And wait till you see the children!We're talking about primary school, that special place where little kids turn into big kids, where letters turn into words, numbers turn into more confusing numbers and lunchboxes turn into bacterial breeding grounds. Where teachers rule (mostly) and parents realise primary school's not just for children - that they.re back at school too, just in different roles.Having been a student during the Smurf, Swatch and Strawberry Shortcake Era, and then a teacher in tough-as-nails South London and a back-of-Woop Woop country school, Mrs Woog knew her way around a primary school and thought nothing could surprise or intimidate her . until she became a primary school parent!You'll laugh till lemonade comes out of your nose in this irreverent, hilarious, no-holds-barred and loving homage to primary school and all who dwell in it. Therapy for former teachers, a revelation to prospective parents, a trip down memory lane for us all, Primary School Confidential is a joy to read and essential homework for anyone interested in what really happens beyond the school gate.

    In the first episode of her “Bad With Money” podcast, Gaby Dunn asked random people at a coffee shop two questions: First, what’s your favorite sex position? Everyone was game to answer, even the barista. No holds barred. Then, she asked them how much money was in their bank accounts. Deathly silence. People were aghast. “That’s a very personal question!” they cried. And therein lies the problem.Gaby argues that our inability to speak honestly about money is our #1 barrier to understanding it, nurturing a stigma that leads to our shame, embarrassment, and anxiety, which in turn prevents us from taking ownership over this important part of our lives. She wants you to know that there are real reasons to feel helpless when it comes to managing your money, and that the patronizing know-it-alls on TV who blow air horns in your face and charge you up the wazoo for their self-help seminars do not have the answers.But despair not, there is a light at the end of this dark, moneyless tunnel. Through her own journey toward “financial literacy,” Gaby uncovers the real reasons that we feel so disempowered when it comes to finance—deeply rooted habits we inherited from our families, systemic imbalances, and intentionally-complicated terminology that makes it impossible for regular people to feel competent. Bad With Money isn’t going to tell you how to get rich or erase your debt, nor will it offer up a litany of humiliating confessions about horrible financial decisions that Gaby has made (okay, maybe some): it is an invitation from a friend who is just as clueless as you are. Equal parts memoir and journalistic investigation, Gaby covers topics like the financial dynamics of dating, the costs of mental health, and how to maintain your self-respect as a freelancer. In addition to debunking the “entitled millennial” stereotype, Gaby reveals essential truths like how “401K” is not the name of a sci-fi movie, why it feels like your bank teller is speaking a foreign language, and how to decide whether to take an unpaid internship.Weaving her own stories with the perspectives of various researchers, artists, students, her parents, a financial psychologist, her exes, and more, she reveals the ways that money makes us feel confused, hopeless, and terrified, and what it might look like to start taking control of our financial futures.

    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.

    In Burn Your Mortgage, Cooper’s extreme achievement is made accessible as the acclaimed personal finance expert shares the secret to his success: simple yet effective lifestyle changes that anyone—from new buyers to experienced homeowners—can make to pay down their mortgage sooner. Burn Your Mortgage combines inspiring anecdotes with realistic and jargon-free financial tips and resources for achieving financial freedom no matter your financial situation. This easy-to-follow guide will help you pay off your mortgage at your own pace and show you how to live well while doing it. Tools include: - Simple ways to pay down your mortgage sooner; - Your very own mortgage-free action plan; - Sample budgets and savings plans; - Tools for tracking income and expenses; - Home-buying blueprints; - Worksheets for financial empowerment; - Up-to-date information on bank accounts, mortgage contracts, investing, and loans—and how to choose the best options for you; - Tips for overcoming bad money habits. Inspiring, insightful and fun, Burn Your Mortgage will transform the way you think about money and debt on your path to independent home ownership. Sean Cooper is an in-demand speaker, money coach, and personal finance journalist. His articles have been featured in publications such as the Toronto Star, Globe and Mail, Financial Post, and MoneySense. Advance praise for Burn Your Mortgage: “Sean’s personal journey to financial freedom is a brave and inspiring one, and I am delighted to see him share his learning with the world. Burn Your Mortgage offers practical, clear and useful insights to help people of all walks of life live healthier financial lives. I am convinced that Burn Your Mortgage is set to be a pivotal guidebook to achieving financial freedom.” —Peter Aceto, President and CEO, Tangerine “A home is the largest purchase most people make, yet there is little information to help them make smart choices. Most advice comes from banks, mortgage brokers, real estate agents, lawyers and home inspectors—not exactly objective. I’m glad to see Sean Cooper use his experience as home buyer, mortgage burner, landlord and freelance writer to guide others through the steps to take to come out ahead in the real estate game.” —Ellen Roseman, Toronto Star columnist, University of Toronto continuing education instructor and Canadian MoneySaver contributor “A clear and concise plan for millennials looking for a path to financial independence early in their career.” —Don R. Campbell, bestselling author of Real Estate Investing in Canada, frequent guest on the Business News Network “Chock-full of actionable tips based on real life experience, Sean Cooper’s Burn Your Mortgage is a valuable resource for anyone considering buying a home in Canada. In more than just another mortgage manual, Sean writes passionately about the pitfalls to avoid during the house-buying process and then, with equal passion, shows you how to achieve an important step toward financial freedom by paying off your mortgage as quickly as possible.” —Robert R. Brown, author of Wealthing Like Rabbits: An Original Introduction to Personal Finance, and MoneySense columnist “Burn Your Mortgage will push you just outside your comfort zone—which is exactly what you need to really make progress on your mortgage. Sean Cooper walks the talk. His obsession with frugal living provides a ton of great lessons on how to get ahead financially.

    Now in her ninety-fourth year, this timely celebration sheds new light on the myriad attributes and personal qualities she brings to the nation. From fortitude in the face of adversity to standing as the nation's ambassador all over the world, no one could doubt the work ethic that powers this remarkable woman, even into her nineties. Equally, her love of family - from her rock of over sixty years' marriage, Prince Philip, to her great grandchildren - shines through. But what are the secrets of her success? How does she still approach her day-to-day with such vitality and aplomb, even when culture and society are changing rapidly all around her?The Queen on fame: When an MP commented that it must be a strain meeting so many strangers all the time, the Queen smiled, 'It is not as difficult as it might seem. You see, I don't have to introduce myself. They all seem to know who I am.'The Queen on fashion: In the late sixties when Mary Quant and the mini skirt came to epitomize all that was fashionable, Princess Anne suggested her mother might also consider shortening her hemline. The Queen was adamant, 'I am not a film star.' The Queen on family: As Great Britain's most famous great grandmother, it is no surprise that the Queen values family life. 'Marriage gains from the web of family relationships between parents and children, grandparents and grandchildren, cousins, aunts and uncles.'In this book Karen Dolby unpicks the key elements that make the Queen so special to - and so loved by - the nation and presents a guide to how you too could put into practice some of Her Majesty's traits to help overcome adversity, find inner strength and present yourself as wonderfully considered and calm, even when all about you seems in chaos.

    Captain Collier teamed up with his best Vietnam helicopter pilot buddy, Gary, and the two rascals shared enough true adventure to make any novel seem lame. Flying combat in mountainous and weather-hostile Laos was some of the most challenging ever experienced by any pilot, any time, any war. Making fabulous money and having airline benefits allowed them to live an exotic lifestyle, to travel the world on their monthly R&Rs, and to chase and capture more than a few stewardesses from several different airlines.War correspondent Anne Darling described the helicopter pilots for AIR AMERICA as "CIA Super Pilots" Captain Bill Collier was one of those "Super Pilots." This is his story.

    In this day and age, young people can't afford to repeat the financial mistakes made by their parents. Thankfully, there is a way for the middle class of today to build wealth and be happy. This practical guide will lead you through the life-long journey of financial independence, free from money related stress and empowered to live life the way you want. In Building Wealth And Being Happy: A Practical Guide To Financial Independence, you'll learn:- How to slowly get rich over many years and retire early- How to have a positive, healthy relationship with money- Whether you should use a financial advisor or DIY- Whether you should rent or buy the place you live in- Whether you should partake in socially responsible and green investments- If you can trust the stock market- If you should invest in real estate or gold- And much, much more...

    We'd like nothing better than to sit down with an experienced professional who could help us evaluate our assets and guide us through the bewildering array of choices. Charles Schwab's Guide to Financial Independence offers you precisely that. Reading this easy-to-understand book is like having the founder and CEO of a $300 billion brokerage firm sit at your kitchen table and distill his 40-plus years of accumulated wisdom in a one-on-one session with you.        This is a comprehensive, step-by-step guide that, once and for all, will take the mystery and the fear out of investing. With Charles Schwab's expert guidance you will learn how to define and set investment goals, whether you're saving for your children's college education or planning for retirement; prepare an investment plan; put the plan into action; and regularly update the plan to incorporate life's changes. Helpful worksheets and charts are included so you have what you need to get started immediately.        Also available as a Random House Audio BookFrom the Hardcover edition.

     In fact, it may even be bigger than the Internet. It is such a profound paradigm shift in the technology of money that even experts on the topic are still trying to wrap their heads around it. Pandora's box has been opened and there is no going back. Bitcoin will forever transform society and its implications are beyond what we can even currently imagine. Bitcoin can be hard to grasp at first – and if someone has tried to explain it to you and you feel like you still don't get it, don't worry. This book will take you by the hand and explain to you in the simplest terms, using analogies, metaphors and illustrations what the essence of Bitcoin is and why you must pay attention to the revolution that is about to take place. In Bitcoin for Beginners you will find out: How the Bitcoin Technology works The difference between Bitcoin and Blockchain How mining works How to make money with Bitcoin The top myths about Bitcoin How Bitcoin will take over the world How to buy and sell Bitcoin What forks are And much more! DON'T HESITATE. TO START ON A JOURNEY THAT COULD DEEPLY TRANSFORM HOW YOU RELATE TO THE CONCEPT OF MONEY, SCROLL UP AND CLICK THE "BUY" BUTTON NOW!

    A friend needed help with his car. What happened to Carl, Lisa, Gregory, and Felicia that night is worse than any fictional horror story you've ever read or seen on the big screen. Little girls should never have to live in a barrel ... Award-winning journalist and best-selling author George Jared takes readers on a gripping and chilling journey with his latest true-crime book, The Creek Side Bones ... Reality is more horrifying than fiction. The book details how the Elliott family in Dalton, Ark., lived in constant fear in the summer 1998. How they met their fates is ghastly. Jared covered two murder trials in connection with the case, and provides his own theories as to how and why the Elliott family was murdered. Four other murder cases are also detailed in the book. Sidney Nicole Randall was a beauty pageant queen, about to enter high school when a monster stole her away in the dark. Bridgett Sellers was a mother of three who vanished without a trace while on a walk down Peace Valley Road. Her fate is incomprehensible. Bob Castleman was a respected attorney and Vietnam War vet until the drugs, murder, a live copperhead snake; Native American artifact fraud consumed his life. The book also includes an update on the unsolved Rebekah Gould case. The 22-year-old college student was murdered Sept. 20, 2004, in Melbourne, Arkansas. There are suspects in the case, but to this day, no one has been jailed for her brutal death. Jared has won numerous first place awards for investigative journalism, feature writing, news stories, and others with the coveted Associated Press Managing Editors and the Arkansas Press Association. His first book Witches in West Memphis ... and another false confession detailed his coverage of the internationally famous "West Memphis Three" case. Three Marion, Ark., teens - Damien Echols, Jason Baldwin, and Jessie Misskelley Jr. - were convicted in the 1993 murders Christopher Byers, Stevie Branch, and Michael Moore. The boys' bodies were found nude and bound in a drainage ditch near their homes one day after they disappeared May 5, 1993. Prosecutors claimed the boys were sacrificed in a Satanic ceremony orchestrated by the convicted. There was only one problem. These three didn't do it. It took nearly 20 years to free them. Jared wrote more stories about the case than any journalist in the world. He was cited in Life After Death, a New York Times best-selling book about the case. He also received credit for in the Academy Award nominated documentary Paradise Lost Three ... Purgatory also about the case. Through the years, the longtime newsman has written thousands of stories on a wide range of topics. Get a copy of The Creek Side Bones today.

    This book was created for anyone looking for a simple to read, easy to follow yet powerful real estate investment guide on how to be a successful real estate investor in today's market.

    This strategy, introduced nearly fifty years ago, led to such strategies as index funds. What if we were all missing out on another free lunch that’s right under our noses? In Lifecycle Investing, Barry Nalebuff and Ian Ayres—two of the most innovative thinkers in business, law, and economics—have developed tools that will allow nearly any investor to diversify their portfolios over time. By using leveraging when young—a controversial idea that sparked hate mail when the authors first floated it in the pages of Forbes—investors of all stripes, from those just starting to plan to those getting ready to retire, can substantially reduce overall risk while improving their returns. In Lifecycle Investing, readers will learnHow to figure out the level of exposure and leverage that’s right for youHow the Lifecycle Investing strategy would have performed in the historical marketWhy it will work even if everyone does itWhen not to adopt the Lifecycle Investing strategyClearly written and backed by rigorous research, Lifecycle Investing presents a simple but radical idea that will shake up how we think about retirement investing even as it provides a healthier nest egg in a nicely feathered nest.

    But how many investors have the time, talent, and luck to earn consistent returns this way? In The Ultimate Dividend Playbook: Income, Insight, and Independence for Today's Investor, Josh Peters, editor of the monthly Morningstar DividendInvestor newsletter, shows you why you don't have to try to beat the market and how you can use dividends to capture the income and growth you seek.

    This is not you grandma's coupon book! Pick Another Checkout Lane, Honey teaches you step-by-step how to:o Find coupons and "stack" them with a sale for huge savings.o Build a stockpile of food at rock-bottom prices to last you and your family up to a year.o Make passers-by gape at your cart full of groceries you purchased for 75% off retail price.o Get your cashiers to gasp and applaud as you purchase everyday items for pennies on the dollar.o Gain the confidence to strut down the aisles, flaunt your coupons, and maybe even wear high heels to the grocery store!Authors Joanie Demer and Heather Wheeler, founders of TheKrazyCouponLady.com, share their expertise along with hundreds of tried and true coupon tips in a fun, user-friendly format that will have shoppers high-fiving the grocery store cashier in no time.