. . when we’re old. How arse-about is that?But there is an alternative to working your butt off for decades and retiring when you’re worn out: it’s called financial independence, and it means being able to cover life’s essentials and afford the luxuries you want without having to turn up to a job each day.Imagine: the freedom and flexibility to work if, when and where you like, go travelling, spend time with family or start that business you’ve been dreaming of. And with enough time and a way to earn, it’s achievable for most people through the power of passive income.Lacey Filipich knows because she’s done it herself – and has been teaching the strategies and steps for financial independence for a decade through her education company, Money School. Now, she’ll teach you all her tried-and-true lessons for redesigning your personal finances to create the life you really want.From maximising your income and cutting costs without big sacrifice, to property, shares and retirement funds, Money School explains exactly how to build a passive income that will completely change your life.Take control of how you spend your time and money to make them work for you – and get on the fast track to being financially independent and time rich.

    It will not take you more than an hour to benefit from the wisdom of the work. This book makes it possible for you to have a blueprint to change your habits for the better. Read this book to be more disciplined and successful in life.

     Goddess Lakshmi and Goddess Saraswati promise nothing short of a grand transformation of humanity with the birthing of a new joy-centered consciousness on Earth at this time. They take us on a grand spiritual journey by weaving new insights into ancient teachings, correcting what has been altered in scriptures by their "male" authors, and revealing new secrets about Buddhas, and Gods and Goddesses who have walked on Earth. Whether it is Eve's original sin or the closing of magnificent Goddess Temples or Sita's Fire Test or Mary Magdalene's depiction as a prostitute, "enlightened women" have been portrayed as sinners by numerous kings, emperors, writers, popes, and other religious heads for millennia. The messages of Goddesses Lakshmi and Saraswati correct many misconceptions and misrepresentations about the "patriarchal" stories from Christianity, Hinduism, and Buddhism. These profound messages by the two ascended Goddesses will delight you, surprise you, transform you, and even enlighten you.  Goddesses Lakshmi and Saraswati also reveal new information and intimate secrets about their many incarnations on Earth with Rama, Krishna, Buddha, and other divine beings. They reveal how the transformation of many souls from their ancient tribe created two of the major world religions known as Hinduism and Buddhism.  This book is not only about spirituality, but also about history, philosophy, religion, and psychology. Goddess Lakshmi and Goddess Saraswati provide new insights on mind, body, soul, chakras, elements, contrast, time, destiny, karma, sensuality, tantra, higher self, heavenly realms, expanding levels of enlightenment, ascension, and of course the author’s favorite – a new way of experiencing the “divine feminine” within oneself.  This is the first book in the Ascended Goddesses Series. Future books in this series will have conversations with Goddesses Parvati, Mother Mary, Kuan Yin and Tara, among others.  JOIN OUR TEAM OF VOLUNTEERS  The Path of Joy Organization is donating 5,000 copies of this book to uplift disempowered girls, women, and mothers, elderly living in old age homes, handicapped people, young adults with challenges, patients in hospitals, and numerous NGOs all over the world. Send an email to join our team of volunteers to distribute the 5000 copies.  The author recently signed an MOU with RENEW (Respect, Educate, Nurture, and Empower Women - http://renew.org.bt/) to donate 600 copies of this book to their 600 active volunteers, who provide help to the disempowered girls and women in Bhutan.  Another 100 copies of this book were sent to the volunteers and interns of Apne Aap Women Worldwide (http://apneaap.org/), an organization that saves girls and women from sex trafficking and other forms of exploitation.  Even a Buddhist "nunnery" in Punakha founded by the Queen Mother of Bhutan took 120 copies for their 120 resident nuns. The many stories of enlightenment of Eve, Sita, Radha, Yasodhara, Yeshe Tsogyal and other women help in undoing the widely-held Buddhist belief that incarnating as a woman is inferior to incarnating as a man for spiritual attainment.

    In Die Broke, you'll learn that life is a game where the loser gives his money to Uncle Sam at the end. There are four steps to the process:Quit TodayNo, don't tell your boss to shove it...at least not out loud. But in your head accept that from this day on you're a free agent whose number one workplace priority is your personal bottom line.Pay CashYou should be as conscious of spending as you are of saving. Credit should be a rarely used tool for those few times (buying homes and cars) when paying cash is impossible.Don't RetireYour work life should be a journey up and down hills, rather than a climb up a sheer cliff that ends with a jump into the abyss.Die BrokeIt sounds terrifying, the one intolerable outcome to your financial life. And yet, in truth, dying broke might be your best option for a life without fear: fear of failure and privation now, fear of impoverishment in the long run.

    Now, the women who established the popular Simple Steps program show readers how to calm and simplify their life in just ten weeks. Each week, women will learn a new Simple Step for addressing key areas in their lives: weight, health, home, and spirit. And before they know it, they'll be breathing easier...and living better than ever before.

    True Stories of Messages From Beyond tells 14 different personal stories of the bond we all share with those we love a bond never broken, not even by death. Each story was written by an ordinary person living an ordinary life, who was touched, changed, comforted, and even transformed by their own unique extraordinary encounters with those they love on the other side. Each encounter, whether a smell, a touch, a message in a song or another form of communication are touching, emotional and give hope to those who read them. Dennis passed away in a hospital bed in the bedroom we shared. I was with him, holding his hand, when he peacefully passed. My best friend was the first person to arrive at my house and she made all of the necessary calls for me. I remained in the room with Dennis, not able to leave his side. My friend had stepped outside for a few minutes and then the excitement began. Suddenly, everyone was calling for me to come outside. I replied that I didn't want to leave Dennis. The hospice nurse then came into the room and told me that I would forever regret not going outside. When I got outside, many of my neighbors were lining my street to see this amazing thing happening.The day of the visitation was here. It was the day I dreaded the most. Today I would have to see my daughter in a casket. I asked God to help me get through this day. He did. The funeral director gently opened the lid and we stepped forward. The next twenty minutes were a total blur. There was my girl. She looked beautiful. Only a small bruise on the bridge of her nose gave a clue to the trauma her body had undergone. It was as though time stood still. I began to cry as I have never cried before. It was a deep guttural cry that came from deep within my soul.I finally got out of bed about 6:30 a.m. and started getting ready to go to the airport. I did everything I possibly could to keep back the tears. Packing my suitcase was so hard. I walked down the stairs and my mom was sitting on the couch looking just as disappointed as I was. I cried hugging her and holding her, telling her I would be back in a few weeks: I promise Mom! I kept telling her, Don t worry I ll be back! I loaded the car, and pulled out of the driveway knowing that was the last time I would see my mom standing in the door waving goodbye to me. She was crying too. We both knew, this was it; if I made it back in a few weeks, everything would be different. I never cried so hard in my life. I believe that leaving that morning was the hardest thing I have ever had to do in my life. I had to go, with my mom standing there alive, still able to communicate, and I wouldn't ever get to see her like that again.Often the most influential evidence of life after death comes in the form of messages from loved ones who have passed on. Sometimes these messages are relayed by very convincing messages images or visuals, while other times they come as voices, slight touches and even written notes. Messages from the other side, are most often thoughts of comfort and tranquility, and often evidence that someone is still watching over us. In some of the most amazing cases, loved ones who have passed on communicate messages that are highly personal, often very important, and at times even life saving. If you have ever experienced an amazing message from a loved one after they have passed on, you don't want to miss this book! It is filled with true stories from normal people who shared their love, laughter, pain and experience through their story. After you are finished reading these amazing stories, you will feel an enormous amount of contentment with spiritual existence after death. Make sure you get your copy today! These stories are very personal, and touch on the life and death of the writers loved one.

     For previous generations, living within your means was a simple formula. Now, with the staggering rise in education, health care, and housing costs, millions of people find themselves skating from paycheck to paycheck with no idea how to move forward. As the most-read personal finance columnist on the Internet, Liz Weston has heard the questions and has the answers. Her 10 Commandments of Money will help readers avoid critical mistakes, survive the bad times, and thrive in the good ones. Just a few of Weston's invaluable pointers include how to: • Balance Your Budget • Pay Down Toxic Debt • Get the Right Mortgage • Pay for College • Save for Retirement • Maximize Your Financial Flexibility Liz Weston's goal is to provide THE practical guide to the brave new world of money. What Sylvia Porter's Money Book was to the 1970s, The 10 Commandments of Money will be for the 2010s. Watch a Video

    This is usually because the right questions are not asked. In the world of investing, where honest and common sense advice is scarce, here is a book that simplifies key concepts in money management and guides you to invest with a specific goal in mind. ‘You can be rich –With Goal Based Investing’ arms you with the relevant questions to ask. It also gives you access to a bouquet of practical yet enlightening calculators that enable you develop personalized investment solutions. If used regularly, these mirror the progress of your investment plans and help you gauge if are going in the intended direction. Investors who have the discipline to follow the simple steps suggested in this book could attain results that are vastly superior to even those achieved by professionals. Most importantly, successfully securing goals due to appropriate investing delivers an improved life with more time to spend on what is really important for you and your loved ones.. If you are in the process of creating wealth – irrespective of whether you are a beginner, mid-way through your journey or almost there – you can find nuggets of simple, practical wisdom in the pages of this book.

    Nominated for running book of the year in The Running Awards 2019.

    The Dynamic 2-5-14 Strategy to Defeat the Darkness Within"This book is for the tired, the defeated, the frustrated, and the ashamed.  For the hurt and broken, those walking in powerlessness and fear.  For all who have found truth but are failing miserably at living it.  For those walking in bondage and limitations imposed by forces over which they seem to have no control.  For those secretly wondering why their lives don't portray the overcoming reality God has purposed.  For those to whom it seems a strong unseen hand holds them to a course they feel incapable of changing."  (From Chaper 1)The 2-5-14 strategy gives answers to the 2 ways the enemy has access to your life, the 5 doors to legal ground that gives Satan his rights and the 14 spirits that are the roots of common human problems.

    It couldn’t be easier.” Connie BrentfordStart making money from home now as a paid writer.This beginner’s guide teaches you how anyone, using these resources can start the process of earning money from home as a freelance content writer this week! This book takes you through the world of online content writing, teaches you the basics of what you need to know to get paid to write and shows you the simple steps to increase your online income every month.This quick start guide has everything you need to get started making money from home as a web content writer, including a current list of online companies currently hiring writers and blogs paying contributors $50-$950 for posts. All sites are updated for 2014-2015. Thousands of freelance writers are already making money from home every day. Whether you just want a few extra dollars every month or want to make money from home full time – or from a beach in a foreign country – The Moonlighter’s Guide To: Online Writing For Immediate Income shows you how to make money online starting now!

    Financial well-being is not measured by one's income. It's the money you don't spend that gives you freedom to live the life you love.

    That won’t happen if you use a few tricks for squeezing higher payments from your assets—from your Social Security account (find the hidden values there), pension (monthly income or lump sum?), home equity (sell and invest the proceeds or take a reverse mortgage?), savings (should you buy a lifetime annuity?), and retirement accounts (how to invest and—critically—how much to withdraw from your savings each year?). The right moves will not only raise the amount you have to spend, they’ll stretch out your money over many more years.You will also learn to look at your savings and investments in a new way. If you stick with super-safe choices the money might not last. You need safe money to help pay the bills in your early retirement years. But to ensure that you’ll still have spending money 10 and 20 years from now, you have to invest for growth, today. Quinn shows you how. At a time when people are living longer, yet retiring with a smaller pot of savings than they’d hoped for, this book will become the essential guide.

    Here is the paperback edition of Elaine St. James's best-selling guide to making life with children easier, simpler, and happier.Everyone with children has experienced the frustrations of trying to juggle softball practice, PTA meetings, meals, laundry, and comforting a crying child with marriage, a hectic career, and what used to be a social life. It's a familiar challenge in many of today's harried households. In fact, in nearly three-quarters of American homes with children under eighteen both parents are employed full-time. Life can quickly get complicated.Simplicity expert Elaine St. James now has solutions for beleaguered parents everywhere. Simplify Your Life with Kids offers practical, down-to-earth advice for the vital, time-demanding, perplexing issues that all parents face; it promises to be an easy read for busy parents whose lives are so hectic they don't have the time or energy to wade through a heavy tome.Like St. James's previous simplicity books, Simplify Your Life with Kids will become the classic gift choice for anyone with kids, for anyone who's expecting kids, for older boomer parents, for parents of the currently developing baby boomlet, and for everyone who knows anyone with kids.

    This book is a laugh-out-loud way to educate yourself, your children, and your friends about how money really works...and a way to smile while you're straightening out that mess you call your financial life.