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.

    As she calls on every ounce of strength she has to raise her two children and maintain the family farm in Boston, her brother, Dylan, voices his concern:This is too much for one woman alone. She should find a new husband.Far away in Iron Creek, stagecoach driver Nelson Gustavson is fighting his own loneliness and places an advert for a bride. As replies flood in, he begins to fear that he’ll have to settle for someone, or search hard to make a connection.That is, until he finds Bronwen’s letter, a blunt and honest reply that he feels compelled to respond to.As Bronwen and Nelson connect through their letters, she feels his warmth radiate through his honesty, but remembering the absence of her own father, she’s hesitant to get involved with someone whose work would keep him away from home.While she’s aware that her own work on the farm is keeping her away from her children, she begins to consider selling and takes her family to visit Nelson. Her feelings for him are strong, but she’s firm: This will be nothing more than friendship.But for Nelson, the connection between them is worth giving up everything for, and Bronwen has made waves in his life.Just as the future is starting to look hopeful, disaster hits Iron Creek, and Bronwen’s children could be in danger.Will the couple ever have a chance to explore the love burning between them, or are their newly entangled lives about to meet tragedy once again?The Stagecoach Driver’s Mail Order Family is a deep tale of love and connection. Will Nelson and Bronwen be able to give into their hearts’ desires, or is the harshness of reality about to knock them down again?Lose yourself on a journey of love, honesty, and deep connection: Scroll up and click “Add to Cart” right now.

    

    She met him and fell in love quickly without hesitation. Their life together was perfect and a wedding was in their future. Extremely happy and deep in love with Bryan, Briana put her main focus on her life with him. Until secrets about Bryan’s other life was brought out into the open by an unexpected source. Blindsided by betrayal Briana finds out that Bryan isn’t who she thought he was. When Briana confronts Bryan about his lies and deceit, his reaction was not what she expected. Bryan’s dark side surfaced and he became someone that she didn’t know. She is faced with trying to figure out how to leave, but Bryan is not willing to let her go.

    

    The Clans have made it to the Rock of the Ancients. Surrounded by the green abundance of their new world, they should feel safe now… But Attu and Rika are dreaming again. Fire surrounds Attu and he must paddle through it. And who is the mourning woman Rika sees? All the wisdom of the Seers can't stop Attu’s people from feeling that something very bad is about to happen. Have they reached the safety of land only to be threatened by something even more dangerous than ice bears and melting ocean? Blooded Ground is book two of the Clan of the Ice Mountains series, set in the prehistoric exciting world of Breakaway: Clan of the Ice Mountains.

    Will she listen to her nana's warnings and steer clear or is she destined to make the same mistakes as her drunken, violent mother? Karen Woods returns to familiar territory for her 12th novel to weave a tale of deceit, child abuse and desperation.

    Now, Reno Carrigan is out to settle accounts. When Reno Carrigan’s young wife and sister-in-law are brutally murdered, and the local law will give him neither a badge nor a posse, Carrigan determines to pursue the murdering outlaws alone. Before he can gain a step on the desperados, however, he learns that they have found refuge in a hellish town where cruelty keeps the locals in line. It takes little time for Carrigan to decide that—whether he lives or dies dealing out justice—he’s going to make his enemies pay.

    Soon McKay and his team start to identify a disturbing pattern behind the killings.Why are candles and roses placed around the bodies?What is this twisted murderer trying to achieve?While the police follow their own leads, a young woman who discovered the first victim begins an investigation of her own.As the case unfolds McKay will be forced to face his own demons.To catch the killer McKay must discover the true motive and untangle the web of truth and lies.Candles and Roses is the first book in the explosive new DI McKay Series.  Death Parts Us: Twenty years ago, Jackie Galloway was a senior cop with a bad reputation. Then he ended up on the wrong side of the wrong people, and his career was ruined. Sacked and with no pension, he ends up eking out his last days on Scotland's Black Isle, his mind lost to dementia, supported only by his long-suffering wife, Bridie. Then Galloway is found dead. The police assume the death to be accidental until Bridie Galloway reveals that her husband has been receiving threatening letters containing only the phrase: 'NOT FORGOTTEN. NOT FORGIVEN.'DI Alec McKay is struggling to come to terms with life without his estranged wife Chrissie, and is living in isolation on the Black Isle. As a junior officer, McKay had been allocated to Galloway's team and has bad memories of the man and his methods. Now he finds himself investigating Galloway's death.But when suspicion falls on him and more police officers are murdered, the pressure is on for McKay to solve the case.Why would the killer seek revenge twenty years after Galloway left the force?As McKay fights to link the events of past and present, he realizes that time is rapidly running out… Their Final Act: Jimmy McGuire, a washed-up comic, is found dead on the streets of Inverness, his body garroted. Back in the 1990s, McGuire had been half of a promising double-act until his partner, Jack Dingwall, was convicted of rape.Soon after, a second corpse is found in an abandoned industrial site on the edge of the Moray Firth. The body has been there for some days and has also been garroted. The victim turns out to be a former musician turned record producer, who had also been the subject of rape allegations.Meanwhile, DI Alec McKay and DCI Helena Grant are still wrestling with the fallout from one of their recent cases following an acquittal.As the body count rises, the police think they have the killer in their sights. But McKay is concerned that the evidence is too neat so when he realises there will be a final victim, he fears that time is running out. The best-selling DI Alec McKay series are gripping serial killer thrillers set in the Scotish Black Isle. They will appeal to fans of authors like Ian Rankin, Helen Fields and Ann Cleeves.

    This revolutionary device: Is Easy to Access Has Excellent Voice Quality Provides Superior Voice Recognition Handles Many Privacy Concerns Has Frequent Software Upgrades Offers Natural-Sounding Voices Allows for Cloud Processing Has Solid, Dependable Hardware What can this book do for you? Amazon Echo: Master Your Amazon Echo; User Guide and Manual teaches you how to use Alexa, how this feature is designed, and how to set it up. You'll learn about: The Body The Blue Light How to Use the Microphones Using Sensors Remote Control Functions Essential Setup Tips You'll find out how to Navigate the Echo and its App, Use the Echo Pen, and Activate your Echo with Voice Command and the remote control. You'll learn to use Bluetooth and connect other home devices to your Echo - including music services! Let Amazon Echo: Master Your Amazon Echo; User Guide and Manual take you by the hand and turn you into an Amazon Echo expert! Download your copy TODAY!

    

    Reyansh is an engineer staying in Mumbai, whose life is drowned in the darkness. Their paths are just about to cross. A new journey is waiting for him. Avipsa's life is going to take some drastic turn. Some discrete incidents...Condensing Fear....Chasing Dreams...Footsteps of The Bygone... What's waiting for them? Or for everyone? Love? Hope? Or, SOMETHING ELSE?? Read this page turner to explore more...

     BUT NOT FORBORNE Clint Wolf is in a race against time--leaving little time for sleep--as he tries to find a missing teenager. Rose Murdock was supposed to board Bus 23 for school early one winter morning in Mechant Loup. However, when her mother returns home from work that evening and checks the answering machine, she realizes Rose never made it to school. While a frantic call to the police department finally sets things in motion, the sixteen-year-old student has already been missing for nearly twelve hours and Clint is acutely aware that the victim could be halfway across the country or even dead at that point. Wasting no time, the Mechant Loup Police Department--with assistance from members of the community and deputies with the Chateau Parish Sheriff’s Office--launches a full-scale search for the girl while Clint begins gathering evidence and interviewing potential witnesses. It isn’t long before Clint begins developing potential suspects, but finding enough evidence to make an arrest is another matter. As the hours turn into days and searchers find no trace of the student, Clint begins to wonder if he’ll ever find a bread crumb that will lead to Rose Murdock. Or--like Abigail--will this be yet another young girl he couldn’t save? BUT NOT FOREWARNED It’s Mardi Gras in Mechant Loup and a dog complaint pulls Clint Wolf away from the town’s yearly parade. Happy to be away from the bustling crowds, noise, and lights, he responds to the complaint and arrives just in time to stop a man from shooting a friendly German shepherd that posed no threat to anyone. After addressing the man heatedly, he attempts to return the dog to its home, but instead finds a seemingly empty house, an abandoned detective car, a set of keys on the ground, and a single drop of blood in the driveway. It’s unclear if anyone is home, as nearly all of the townspeople are attending the parade and no one will answer his persistent knocking, but Clint is determined to find the source of the blood. Finally, his attention is drawn to the neighboring property, where he locates an off-duty officer bound and gagged and barely clinging to life. As though things weren’t bad enough, Clint soon stumbles upon a ghastly murder scene that will shock even him to his core, and it will inject sheer terror into the hearts of the rest of the town’s citizens. The one person who might hold the key to the case is in a coma, leaving Clint to delve deep into the lives of the victims in hopes of finding the killer--or killers. Clint’s biggest fear is not solving the case--it’s wondering what he might do once he comes face to face with the killer. BUT NOT FOREBODING When four college students set out into the swamps in search of the elusive Louisiana black bear, they find more than they bargained for. Now, one of them is missing and the others are stranded without a boat in the alligator-invested wilderness. When one of the concerned parents calls the Mechant Loup Police Department, Clint and Melvin begin searching for the overdue group. Their search takes them deep into the swamps and late into the night, and it isn’t long before Clint develops a foreboding feeling of déjà vu. This dreaded feeling only grows more intense as the investigation progresses, and Clint is left wondering if this incident is connected to a case he worked nearly two decades ago. If Clint is not careful, he might find out...the hard way.

    For one thing, Tanner is still recovering from being in stasis for 150 years, with some odd and unexpected side effects.These side effects might be what his commanders are interested in. Is Tanner being used for some purpose which will shorten his career abruptly, or does he have a future with the Deep Space Initiative? Are the DSI's enemies all on the outside, or are some on the ship?Half human and half alien, Tanner is no stranger to being an outsider. Turns out his Laldoralin alien father is behind Tanner's early promotion. Can Tanner trust the motives of an absent father he hasn't seen for 150 years - and then some?This young cadet has a lot to learn about space, alien worlds, working with others on a spaceship, figuring out who is really out to get him, and coming to terms with his own abilities.An amazing journey lies ahead for Cadet Voss.Hopefully he will survive it.By the author of the award-winning Mac Crow wilderness thriller series.

    But when he rescues a damsel in distress from a wet and dangerous flash flood, he suddenly feels like he's been caught in rapids and he's heading downstream out of control. Vet assistant, Gabi Newberry is too sweet to resist and though he tries to avoid her it turns out when his cattle start coming up dead he needs her help.Gabi knows a sweet talkin' cowboy with no interest in settling down and she has no plans to fall for the cowboy who is naturally wonderful despite a past that haunts him.On a mission to save his ranch will they lose their hearts despite their determination not to?