Unfortunately, much of the advice that is dispensed is either unsubstantiated or betrays a strong vested interest. In The Essential Retirement Guide, Frederick Vettese analyses the most fundamental questions of retirement planning and offers some startling insights. The book finds, for example that:Saving 10 percent a year is not a bad rule of thumb if you could follow it, but there will be times when you cannot do so and it might not even be advisable to try. Most people never spend more than 50 percent of their gross income on themselves before retirement; hence their retirement income target is usually much less than 70 percent. Interest rates will almost certainly stay low for the next 20 years, which will affect how much you need to save. Even in this low-interest environment, you can withdraw 5 percent or more of your retirement savings each year in retirement without running out of money. Your spending in retirement will almost certainly decline at a certain age so you may not need to save quite as much as you think. As people reach the later stages of retirement, they become less capable of managing their finances, even though they grow more confident of their ability to do so! Plan for this before it is too late. Annuities have become very expensive, but they still make sense for a host of reasons. In addition, The Essential Retirement Guide shows how you can estimate your own lifespan and helps you to understand the financial implications of long-term care. Most importantly, it reveals how you can calculate your personal wealth target - the amount of money you will need by the time you retire to live comfortably. The author uses his actuarial expertise to substantiate his findings but does so in a jargon-free way.

    This book provides actionable steps to help shop owners engage the Etsy community in authentic ways that attract buyers and generate sales. The best Etsy shops stand out among the sea of sellers and draw loyal customer bases, but how they’ve done it isn’t—and shouldn't be—a secret. In these pages, top Etsy sellers share the tools that have helped them, the changes they made that yielded positive results, and their best advice for achieving and sustaining a successful Etsy shop. Beyond sellers’ words of wisdom, this book offers a roadmap all sellers can follow in order to: • Choose keywords and tags to drive traffic to your shop • Photograph your products for maximum appeal • Create a unique shop that stands out • Write winning product descriptions • Price your goods appropriately • Market your products effectively on social media platforms • Maintain lasting relationships with your customers • Diversify your product offerings

    

    Her newest book, Be a Direct Selling Superstar, is an all-encompassing guide to building, leading, and managing a direct sales organization, a book that can help anyone else generate new source of income and turn a major profit. Gain an advantage over the estimated 15.6 million people involved in direct selling in the US (over 100 million worldwide) and achieve long-term success in direct selling with this how-to on goal setting, effective marketing, persuasive communication, networking, influencing, work-life balance, time management, and financial planning.With a clear, strategic understanding of the benefits of direct sales--including low start-up costs, strong earning potential, and a flexible work schedule--Christensen leverages her personal experience to help you become a superstar at direct selling. You’ll be equipped to enter the lucrative arena of enterprise building and, ultimately, create and lead a team that will help you achieve your financial dreams.

     Understand the dynamics of price action trading and give yourself a significant trading advantage. Benefit from years of trading experience. Give yourself an advantage by learning from someone who has experience on a prop desk. Atanas will teach you what you need to know about different types of price action and and how to trade it. Not sure where to start? Are you unsure about what it means to trade price action? Or maybe you don't understand how technical indicators work. This book will give your trading clarity. Understand different types of candlesticks and price action patterns so you can reduce your risk and be consistently profitable.. Easy to understand explanations of complex topics, this book will demystify price action trading once and for all. From Steve Burns of NewTraderU.com: "Atanas writes about the topics that most traders are interested in, price action and the tools to trade it systematically. His insight on technical indicators, how to identify and trade a trend, and how to visually see chart patterns have been read by tens of thousands of readers. The work and effort Atanas puts into writing and custom illustration is a testament to his passion for trading." About the Author: Atanas Matov a.k.a. Colibri Trader (@priceinaction on Twitter) started his trading career as a retail trader in the early 2000’s. After a few years of trading and investing his own funds, he won the KBC stock market challenge and shortly afterwards started working for a leading prop trading house in London. Currently he is trading his own account and trying to help other traders through his trading blog and social media. Major part of Atanas’s philosophy is in giving back and helping others achieve their trading goals. In his own words: “Judge your trading success by the things you have given up in order to get where you are now!" Follow Atanas on Twitter @priceinaction www.colibritrader.com

    In addition to 12 comprehensive lessons, this innovative book includes games, exercises, Tricks of the Trade and common pitfalls and mistakes well as enough sample test questions for nearly a full CAPM exam. This book contains over 400 pages of material, including new exercises and sample questions never before in print. With critical time-saving tips, plus games and activities available nowhere else, this book will help you pass the CAPM exam on your FIRST try.

    Golf enthusiast Mike Keiser had the dream of building this British-style "links" course on a stretch of Oregon's rugged coast, and Dream Golf is the first all-inclusive account of how he turned his passion into a reality. Now, in this updated and expanded edition, golf writer Stephen Goodwin revisits Bandon Dunes and introduces readers to Keiser's latest effort there, a new course named Old Macdonald that will present golfers with a more rugged, untamed version of the game. This "new" approach to the sport is, in fact, a return to the game's origins, with a very deep bow to Charles Blair Macdonald (1856 –1939), the father of American golf course architecture and one of the founders of the U.S. Golf Association. This highly anticipated fourth course, designed by renowned golf course architect Tom Doak along with Jim Urbina — as detailed in Dream Golf — will further enhance Bandon Dunes' reputation as a place where golf really does seem to capture the ancient magic of the game.

    Thank you for your feedback and patience.From Andrew Warner:I first interviewed Paul Graham after I heard something shocking from Alexis Ohanian, a founder whose company was funded by Graham's Y Combinator. Alexis came to Mixergy to tell the story of how he launched and sold Reddit.If you're a founder, you know the kind of problems that founders have, right? Figuring out what product to create, how to build it, how to get users to try it, etc.Well Alexis didn't seem to have those problems, or at least they weren't as challenging for him as they were for most of the other 600 entrepreneurs I interviewed on Mixergy.Why? Because Paul Graham helped him launch his business.How did Graham make Reddit's launch easier and more successful than other companies' founding? How did he do the same for hundreds of other startups? And, more importantly, what can you learn from his experiences to grow your business?The book you're holding has those answers.Use what you're about to learn to build your successful startup. After you do, I hope you'll let me interview you so other founders can learn from your experience, the way you're about to benefit from Graham's.About Hyperink, the publisher:Hyperink is the easiest way for anyone to publish a beautiful, high-quality book.We work closely with subject matter experts to create each eBook. We cover topics ranging from higher education to job recruiting, from Android apps marketing to barefoot running.If you have interesting knowledge that people are willing to pay for, especially if you've already produced content on the topic, please reach out to us! There's no writing required and it's a unique opportunity to build your own brand and earn royalties.

    Offer people the chance to test your ideas themselves–a “try before you buy” philosophy. People want to believe your ideas, so give them a reason to. Examples include the Nobel-winning scientist no one believed, flesh-eating bananas, and the human-scale principle.

     Are you stuck in an endless loop of the same negative thoughts and emotions? If any of the following questions apply to you, you are at the right place for your solution Your mind is running at full speed, and you can get no sleep? Are you constantly worried for apparently no reason? You were happy, and all of a sudden you feel angry for no reason and snap at your loved ones? Is your mind doing its chitchat all day long and commanding your life? Welcome to the club. You are not alone. Thanks to our modern society, that got even worse. Too many people are stuck in their mind and are often dominated by negative thoughts and emotions. Am I good enough? Why is this guy at work so mean? Why did he do that? How can I get more money? I hate everything. And when you think the disturbing thoughts and emotions are gone, they will come back to you in the most unpleasant situations, like happily playing with your kids. Fortunately, you can change that. We can train our mind to stop those thoughts and regain control of our life. In the book, we will step you through the process of regaining control of your thoughts and emotions. You will learn: why our mind behaves like that and what is going wrong. how you can use your body to change your mind how your environment can help you in silencing your mind why drinking tea helps how Mindfulness will guide you to freedom how proven meditation techniques will assist you in your journey Don't stay paralyzed in what feels like your personal hell; join us and learn how to get your freedom. Do Not Hesitate, Buy the Book and Start Now This book is part of the How To Relax Guide Series; a series helping you to find relaxation and a happier life. With each book in the series, we cover one topic and teach you how to learn the methods in a highly actionable manner while leaving the fillers out.

    Every woman needs game. Take Oprah, Jada Pinkett-Smith, and Beyoncé Knowles. All three of these women have the one intangible quality that every mack, male or female, must possess: they all have game. In other words, they have intelligence, hustle, and common sense that they apply to every aspect of their lives -- especially in their relationships. Play or Be Played is an instruction manual for women who are tired of being played by men and who want to be players themselves. Though women may not want to play games, the truth is men often do. So women who hope to win in the game of love must first learn the rules. Bestselling author and true mack, Tariq "K-Flex" Nasheed shares: -ways to spot a scrub -what it takes to get with a baller -why men cheat -how men really judge women -the top three mistakes women make in relationships

    Whether it's a job change, shifting deadlines, a micromanaging executive, a toxic co-worker, a high-pressure project, or an intense negotiation with a vendor, the administrative profession is not for the faint of heart.If you're looking to maintain the status quo and be "just an assistant," this book is not for you. But, if you want the confidence and ability to conquer the challenges that most try to avoid, then you're in the right place.The Leader Assistant outlines four pillars—embody the characteristics, employ the tactics, engage in relationships, and exercise self-care—that will help you rediscover your passion for the profession and become a confident, future-proof, game-changing Leader Assistant. If you neglect even one pillar, you'll head for burnout, stagnation, and anonymity. You are meant for so much more. Are you ready to be the Leader Assistant the world needs?

    A Fast Ride Out of Here tells a story that is so shocking, so outrageous, so packed with excess and leading to such uproar and tragic consequences as to be almost beyond compare. Put simply, in terms of jaw-dropping incident, self-destruction and all-round craziness, Pete Way's rock'n'roll life makes even Keith Richards's appear routine and Ozzy Osbourne seem positively mild-mannered in comparison. Not for nothing did Nikki Sixx, bassist with LA shock-rockers Motley Crue and who 'died' for eight minutes following a heroin overdose in 1988, consider that he was a disciple of and apprenticed to Way.During a forty-year career as founding member and bassist of the venerated British hard rock band UFO, and which has also included a stint in his hell-raising buddy Ozzy's band, Pete Way has both scaled giddy heights and plunged to unfathomable lows. A heroin addict for more than ten years, he blew millions on drugs and booze and left behind him a trail of chaos and carnage. The human cost of this runs to six marriages, four divorces, a pair of estranged daughters and two dead ex-wives. Latterly, Way has fought cancer, but has survived it all and is now ready to tell his extraordinary tale. By turns hilarious, heart-rending, mordant, scabrous, self-lacerating, brutally honest and entirely compulsive, A Fast Ride Out of Here will be a monument to rock'n'roll debauchery on an epic, unparalleled scale and also to one man's sheer indestructability.

    Though no large financial institution has recently gone bust in this country, white-collar criminals, scam artists, Ponzi schemers and organized crime, from the Hells Angels to the Russian mafia, know that Canada is the place in the Western world to rip off investors. And the fraudsters do so with little fear of being caught and punished. Thieves of Bay Street investigates Canada's biggest financial scandals of recent years. Readers will learn what banks do with investors' money and what happens when they lose it. They will meet the bogus investment gurus, the brokers who lose money with both reckless abandon and impunity, the bankers who squander money in toxic investments, the lawyers who protect them and the regulators who do nothing to keep them from doing it again. And most importantly, they'll meet the victims who are demanding that our vaunted banking sector finally come clean on its dirtiest secret.

    Some of the stories motivate, some are spiritual, and some provide strategies for excellence. All promote positive feelings, encouraging confidence, direction and vision. The stories contained in The Magic of Metaphor focus on values, responsibility, and leadership in all its forms. Specially selected to promote change in people's ideas, attitudes, beliefs, visions and behaviours they act as reframes, challenging and disturbing our existing frames of reference, recharting our accustomed maps of the world, and shifting us away from our limited thinking towards new learning and discovery through the use of effective metaphor. Containing sixteen suggestions (or tips) for effective story telling, advice on organisation, style and story telling skills, and a selection of stories that can be adapted and developed, The Magic of Metaphor is an inspirational sourcebook for counsellors, health workers, psychologists, professional speakers, managers, leaders and NLP practitioners, as well as for teachers, trainers, therapists. Providing tools that assist people in making beneficial changes in their lives, the stories contained in this book will bring pleasure and power to all those that listen to or read them.