But personal finance is actually more "personal" than it is "finance." Tim Maurer has made a career out of distilling complex financial concepts into understandable, doable actions. In this eminently practical book, he shows readers how to - better understand their values and goals in order to simplify their money decisions- budget major expenses intelligently- reduce and eliminate debt- make vital decisions on home, auto, and life insurance- establish a world-class investment portfolio- craft a workable retirement plan- and more Readers will be relieved to see that managing their money is actually not as complicated as they thought--and that they can take control of their financial future starting today.

    He explains how bankers worldwide created a secret trillion-dollar machine that delivered cheap mortgages to the masses and riches beyond dreams to the financial innovators.Fundamental to this saga is how “the people who hated to lose” were persuaded to accept risk by “the people who loved to win.” Why did people come to trust and respect arcane financial tools? Who were the bankers competing to assemble the basic components into increasingly intricate machines? How did this process achieve its own unstoppable momentum—ending in collapse, bailouts, and a public outcry against the giants of finance?Provocative and intriguing, The Devil’s Derivatives sheds much-needed light on the forces that fueled the most brutal economic downturn since the Great Depression.

    Wall Street lost more than 49% of the typical investor's money—twice—since the year 2000. And studies show that because they followed the conventional wisdom, almost half of all Boomers won't have enough money to cover even basic living expenses during their retirement years. Now the financial gurus whose advice got you into this mess in the first place are telling you to "take more risk," "work till you drop," and "plan on spending less in retirement." Don't let them fool you again!In The Bank On Yourself Revolution, financial security expert Pamela Yellen details how hundreds of thousands of people of all ages and incomes have bucked the system to secure their families' financial futures without gambling in the Wall Street Casino or taking any unnecessary risks. You'll discover a proven step-by-step plan for growing your wealth safely, predictably, and guaranteed every single year—even when the markets are tumbling. And you'll learn how to bypass banks, credit card and financing companies to become your own source of financing for cars, vacations, a college education, business expenses and other major purchases.The Bank On Yourself Revolution isn't a "get-rich-quick" scheme; it's about having real wealth and financial security for as long as you live. You can finally know how much money you'll have next year, in 10, 20 or 30 years—and at every point along the way. Join the Revolution and take control of your own financial future!

    Now, Ric reveals the deceptive and manipulative business practices occurring in your retail mutual funds—practices that are causing you to suffer higher fees, greater risks, and lower returns than you realize. In The Lies About Money, he offers you a detailed yet easy-to-follow plan that lets you take back control of your investments—and your financial future. Here, Ric shares his most valuable lessons gained through two decades of working directly with individuals and families. He reveals the lies that have infiltrated your retail mutual funds and retirement accounts and teaches you how to invest your money in your employer retirement plan; how to save for college; and for those who are retired, how to generate more income without sacrificing security. He shows you that proper money management has nothing to do with “hot tips” and everything to do with scientific analysis, bolstered by solid academic research and historical data. Along the way, Ric shows you the secrets to investment success—a long-term focus, the importance of diversification, and the crucial need for (and methods of) portfolio rebalancing. With insight and strategies that will change people's lives, The Lies About Money offers the truth that everyone is looking for.

    You’ve probably heard both good and bad things about it. Still, you want to learn more about the stock market. It could also be that you want to start investing but don’t know where to begin or how much to invest. If you’re already investing, you want to learn better ways to grow your investments, because you want to be more confident about your financial future. Up until now, you probably didn’t have enough time to learn about investing and it might seem too confusing, because there is so much information out there about investing. You also don’t want to lose your money or don’t have enough money to begin investing. What if you had the confidence to start investing on your own, so you could show off your investment performance to family and friends? Leave the stress of an insecure financial future behind you and create sustainable wealth, which you can pass down to your family. In this book I give you a quick overview about what you need to know about the stock market, how to begin, what to do if you don’t have enough cash, how to generate passive income, and how to analyze companies. I also give you a list of companies I personally invest in and I try to answer all the questions you might have that are stopping you from getting started or progressing in your investing journey. I'll show you why you need to watch out with investment vehicles such as the 401K and index funds. This book is a quick read and great to keep as a reference. Best of all, you can get started immediately after reading it. **Don’t wait and buy the book now. It’s on sale, but the price will increase in the near future.**

     Any sincere student of classical music would sensitively seek to capture and interpret the piece so as not to distract from the original sound of the composition. To form an accurate conclusion in the study of our origin would involve a peering over the Creator's shoulder as it were, in order to gaze through his eyes and marvel at his anticipation. His invisible image and likeness is about to be unveiled in human form. The incarnation celebrates the fact that the destiny of the Word was not the page but tangible human life! The word of truth accurately preserve's God's original idea in the resonance of our hearts. 3:2 Instead of an impressive certificate framed on my wall I have you framed in my heart! You are our Epistle written within us, an open letter speaking a global language; one that everyone can 1read and recognize as their mother tongue! (1Anaginosko, to know again; to read with recognition.) 3:3  The fact that you are a Christ-Epistle shines as bright as day! This is what our ministry is all about. The Spirit of God is the living ink. Every trace of the Spirit’s influence on the heart is what gives permanence to this conversation. We are not talking law-language here; this is more dynamic and permanent than letters chiseled in stone. This conversation is embroidered in your inner consciousness. (It is the life of your design that grace echoes within you!) People who have stopped reading the Bible or never even read it before say about The Mirror, "I have never read anything that touched me so deeply, it is a brand new Bible, I cannot wait to give it to all my friends!"  The Mirror Bible is a paraphrase from the original Greek text. While the detailed shades of meaning of every Greek word have been closely studied, this is done taking into account the consistent context of the entire chapter within the wider epistle, and bearing in mind the full context of Jesus as the revealer and redeemer of the image and likeness of the invisible God in human form, which is what the message of the Bible is all about. To assist the reader in their study, the author have numerically superscripted the Greek word and corresponded it with the closest English word in the italicized commentary that follows. This is to create a direct comparison of words between the two languages. Many words used in previous translations have adopted meanings in time that distract from the original thought. Individual words can greatly influence the interpretation of any conversation. For years deliberate as well as oblivious errors in translations were repeated and have empowered the religious institutions of the day to influence, manipulate and even abuse masses of people. Consider the word metanoia, consisting of two components, meta, together with, and nous, mind, suggesting a radical mind shift. This word has always been translated as "repentance," which is an old English word borrowed from the Latin word, penance. Then they added the "re" to get even more mileage out of sin consciousness. Re-penance. This gross deception led to the perverted doctrines of indulgences, where naive, ignorant people were led to believe that they needed to purchase favor from an angry god. Most cathedrals as well as many ministries were funded with guilt money. The Bible is a dangerous book! It has confused and divided more people than any other document. Scriptures have been used to justify some of the greatest atrocities in human history. People were tortured, burned to death and multitudes murdered based on somebody's understanding of the scriptures! Jesus, Paul and believers throughout the ages faced their greatest opposition from those who knew the scr

    Rich. Wealthy. Well-heeled. Moneyed. Affluent. Not bad--but why not get Stacked instead? If you've ever dreamed of a basic philosophy of money that'll help you live bigger, be bolder, and laugh harder, you need this book.In these uncertain times, the basics matter more than ever. But for most of us, concepts such as investing, budgeting, and getting out of debt just don't float our boats (or 150-foot yachts)--and so we put them off longer than we should. Joe Saul-Sehy and Emily Guy Birken are here to tell you that personal finance can be a lot more fun than you think. (No haberdashery, maritime knowledge, or specialized flatware required.)Learn about everything from side hustles, to hiring a legit financial adviser, to planning for emergencies, to what's new and exciting--and actually worth your time--in financial apps and software. If you're looking for the same old get-rich-quick clich�s, avocado toast shaming, or alphabet soup of incomprehensible financial terms, you won't find them here. Instead, Saul-Sehy and Birken take you step by step along the way to financial success, with their signature blend of shrewd financial information and wacky humor.

    Lots of suspense, mystery, and romance. No cliffhangers! Bonus book included. Book 1: Alex – The Panther Alex is assigned to work with the gang’s point of contact, a beautiful, clever woman named Tony, who immediately manages to get the dark Alex to open up to her and to himself in a way that nobody ever has before. As Alex and Tony fall for each other, they do their best to take down Sanchez’s operation in the city using Alex’s dark connects, but he doesn’t know that Tony has a dangerous secret, one that could destroy them both before the end of the mission. Book 2: Nick – The Bear Nick is a bear shifter on the verge of death the day he is wheeled into Dr. Lilith Cole’s office, his body ravaged by a brutal fight with a roomful of Sanchez’s shifters. Lilith finds that she feels a connection to him before he even wakes up, and though she tries to deny it, she can’t resist how she feels about him the moment he opens his eyes. Awake and alert, Nick is determined to prove to himself and to his commander that he is capable of working the dangerous missions. Lilith finds herself irresistibly drawn to the big shifter, drawn into a conflict so deep that she might just be risking her life as well as her heart. Book 3: Noah – The Powerful Noah is a multi-shifter with the ability to change into any animal, but his remarkable, rare ability doesn’t help him when faced with one of Sanchez’s people, a beautiful witch named Fiona. Noah is surprised when Fiona saves him from the fire that he sets to free Lilith Cole from her imprisonment, especially considering the fact that shifters and witches have a blood feud that goes back for centuries. Fiona and Noah hate each other, but they can’t deny their attraction for one another, fierce and powerful in the face of their disdain for one another. Book 4: Gabriel – The Witch Gabriel is too powerful. A rare combination of a shifter and witch, he is unable to control either side of his powers. Knowing his potential and how powerful he can be, Liam sends him on a mission to search the addresses that they found to places possibly belonging to Sylvester Sanchez, along with a psychic who has the ability to read the history of places she enters. Sophie is the opposite of Gabriel in every way—excited and charming, nothing like the dark, brooding witch. Chapter 5: Liam – The Leader After they finally locate Sylvester Sanchez’s main headquarters in the middle of the Amazon rainforest, Elise insists on going on the mission with them, not convinced that Liam’s personal vendetta against Sanchez won’t get in the way of completing the mission successfully. The closer they get to the compound, the more it becomes obvious that Elise has been hiding something dark and dangerous, something that has the ability to either save the entire squad or watch them burn in front of her.

    Plus A Ruby Glows, the prequel, as a bonus! Prequel A Ruby Glows Ruby’s heart froze as she threw her dead husband over the cliff. When Beau walks into her life, one glance has her running from her past. He couldn’t want someone like her. It should be easy to avoid his quiet charm. If he can convince her she’s a prize, not prey, he might have a chance. Beau’s captivated when Ruby scrambles from him whenever he gets too close. Her sweetness is an allure he can’t fight. Can Beau convince Ruby she is beloved? Book 1 Dreams in Deadwood He has a vice as bad as her father. Jennie Arnsby wants nothing more than to turn around and go home. Her family is on their way to Deadwood, SD, when Aiden finds his way to their small wagon train. His teasing and banter leave her wanting to toss him out the back and in the dust. When they are separated outside the city, she is left wondering if she’ll ever see him again. Aiden Bradly wants to find his gold and return home. Nothing more. He can’t afford to get tangled with a woman. He’s doing just that until he meets the feisty Jennie. She gets him thinking about his past and forgiveness, but what’s more important, his past or his new future? Aiden will either redeem his past or claim a treasure greater than he could ever imagine, but he must choose one. Book 2 Kisses in Keystone Hattie Arnsby’s been a slave to men and whiskey for the last year. She’s drowned herself in drink to avoid her life at the Red Garter Saloon in Keystone, SD. When a handsome deputy finds her after a year of searching, she finally sees a sliver of hope. Hugh Bradley is deputized to find Hattie and bring her home, but her captors aren’t ready to set her free. He must help her be rid of the drink and the binds of the brothel. But when Hattie’s handed temptation, will she run back to her past or embrace the love growing between them? Book 3 Love in Lead He found her at her worst, can she love him at his? Eva Arnsby can’t stay indoors, her need to draw the woodland creatures around her home near Lead, South Dakota gets her in a heap of trouble. And none more troublesome than a shadowy stranger who steals her notebook and her spirit. Ranger, Captain George Roth, is suspicious when he finds a small woman in man’s trousers sneaking around in the woods. Determined to discover the woman’s secrets, he takes on an assignment, ready to investigate her under the guise of a harmless town dandy. A chameleon in a suit, Mr. George Roth is asking too many questions, and wearing too many masks. Despite Eva’s reluctance, they work together, and soon, she sees parts of George she can’t resist. Shouldn’t she follow her heart? But when the mask slips, and Eva realizes George isn’t who she thinks he is, the damage to her heart may never be mended. One lie will break them apart, and George must convince her that the man she fell for in Lead is the same man who loved her in the woods. Save now when you buy this set. Scroll up to get your copy! Other Books by Kari Trumbo: Brothers of Belle Fourche Teach Me to Love What the Heart Holds Deep Longing of the Soul Seven Brides of South Dakota Dreams in Deadwood

    After all, he was the heir to the biggest clay works in all of Cornwall, and she was but the daughter of one of their workmen.For just as an unexpected passion began to blossom between Morwen Tremayne and Ben Killigrew, the fates seemed determined to stifle its growth. A long, bitter struggle between owner and workforce brought about Charles Killigrew’s sudden illness, and with it Ben’s summons to the head of the family firm.Morwen and Ben, innocent victims of other men’s antagonisms, find themselves party to a conflict not of their making, that threatens to cut them off not only from their families, but from each other…A touching, heartbreaking tale of a love that conquers all, Killigrew Clay is perfect for fans of Rosie Goodwin, Lesley Pearse and Linda Finlay

    Each day, victims are found stabbed with their clothes removed and their faces ripped off. A verse from the carol is daubed on the wall in blood. Will Quigg find the killer before he is forced to resign? Also, Quigg must choose between two women, or must he? And can he persuade the Chief to let Sergeant Begone be his partner on a permanent basis?

    This is how life begins for orphan Emma. Unwanted, cast aside and thrown on the mercy of strangers, she grows up wondering why. And what are the mysterious gifts each year placed where her cradle was once abandoned? Now blossomed to youthful beauty but shunned by society, the man she loves is forbidden to marry or court her. Driven from her presence she is bereft of family or friends and thrown to the harsh unforgiven streets. Driven to desperate measures, only a miracle can save Emma now! But Christmas is the time of miracles, and an unexpected friend leads the way to a marvelous happy ever after. Enjoy this beautiful, heart-warming and hope-filled Victorian Christmas romance. Read Churchyard Orphan today!

    "How to Boost You Credit score 100+ Points Without Credit Repair" will show credit industry secrets for maximizing the other 65%. The best part is you will see real results in just 30 days.

    The stars may collude to bring you down. But God has a plan, always the best one for you. You need to trust it, live it and enjoy it.Amrit, an accomplished doctor with a fetching personality, blames himself for his wife Niharika’s death. He is stuck in his past.Arpita, a simple girl, fighting many complexes, cheated in her marriage, is not ready to trust anyone in life.The Stars, ever conspiring, bring them together. But can they be together for a lifetime? Is it facile for Amrit to let go off past? Is it possible for Arpita to trust someone again? Will Arpita ever be able to see herself through Amrit’s eyes? How do the stars conspire bring Niharika into their lives?Does the destiny unite them finally or push them away forever?

    Tailored to the spiritual needs of women, it reaches out with insights that will speak to your heart.Each entry begins with a Scripture verse to help shape your devotional time. It then draws from a treasury of inspirational stories from Daily Guideposts favorites such as Debbie Macomber, Marion Bond West, Sharon Ewell Foster, and more with unique and varied perspectives on the challenges faced by modern women of all ages and situations. The authors share their experiences with down-to-earth glimpses into their own daily lives, ending with heartfelt personal prayers for strength and growth.You owe it to yourself to take a few minutes of quiet time each day to nourish and restore your spirit. Experience the comfort and guidance offered each day in 365 Spirit-Lifting Devotions for Women.