Many Canadians who own their home have never considered buying a second property. And nearly one-third of retirees are worried about running out of money. The Real Estate Retirement Plan shows how homeowners can use the tools already available to them — their mortgages — to access the initial capital to invest and prepare for their retirement. This is a proven, validated antidote to today’s historically low savings rates, poor current rates of return, and pressure on CPP and health care.With examples and a detailed discussion of the principles and mechanics, Calum Ross and Simon Giannini demystify real-estate investing and make an irrefutable case for borrowing to invest.

    By way of background, a family office is a company, or group of people, who manage the wealth a family has gained over generations. The term 'family office' has an element of cachet, and even mystique, because it is usually associated with the mega-wealthy. However, practically speaking, virtually any family that manages its investments—independent of the size of the investment pool—could be considered a family office. The difference is mainly semantic. DIY Financial Advisor outlines a step-by-step process through which investors can take control of their hard-earned wealth and manage their own family office. Our research indicates that what matters in investing are minimizing psychology traps and managing fees and taxes. These simple concepts apply to all families, not just the ultra-wealthy. But can—or should—we be managing our own wealth? Our natural inclination is to succumb to the challenge of portfolio management and let an 'expert' deal with the problem. For a variety of reasons we discuss in this book, we should resist the gut reaction to hire experts. We suggest that investors maintain direct control, or at least a thorough understanding, of how their hard-earned wealth is managed. Our book is meant to be an educational journey that slowly builds confidence in one's own ability to manage a portfolio. We end our book with a potential solution that could be applicable to a wide-variety of investors, from the ultra-high net worth to middle class individuals, all of whom are focused on similar goals of preserving and growing their capital over time. DIY Financial Advisor is a unique resource. This book is the only comprehensive guide to implementing simple quantitative models that can beat the experts. And it comes at the perfect time, as the investment industry is undergoing a significant shift due in part to the use of automated investment strategies that do not require a financial advisor's involvement. DIY Financial Advisor is an essential text that guides you in making your money work for you—not for someone else!

    

    This comprehensive, illustrated book gives essential advice on how to become the pack leader by understanding and interpreting the body language of man's best friend. Topics include choosing your Border Collie, taking your puppy home, common sense dog training, nutrition, creating a partnership, and adolescent and older dogs.

    It tells of Aldo’s miraculous healing and their supernatural journey since a car accident almost claimed Aldo’s life in 2004. The book contains journal entries in Aldo’s own handwriting wherein he warns the bride of Christ to be ready for the soon arrival of the King. During Aldo’s coma Jesus took him to heaven and hell. “Aldo rarely wanted to talk or write about hell. Jesus said he had to wait for the right time,” Retha explains. She goes on to say, “That time is now here. He recently told me Jesus said to him, ‘Aldo, tell My bride – BE PREPARED, I am coming soon.’” Aldo’s letters will open your eyes to the reality of heaven and hell and the implications of your choices here on earth. The book explains that the road of dying to self and living in Christ is what purifies the bride, and this can only be done if you walk by faith and not by sight – believing that God is who He says He is.

    Sowell reveals the general principles behind any kind of economy-capitalist, socialist, feudal, and so on. In readable language, he shows how to critique economic policies in terms of the incentives they create, rather than the goals they proclaim. With clear explanations of the entire field, from rent control and the rise and fall of businesses to the international balance of payments, this is the first book for anyone who wishes to understand how the economy functions.

    Then she unpacks seven essential money habits for living the life we really want—a life in line with our values, where we can afford the things we want to buy without being buried under debt, stress, and worry.The Joneses are broke. Life looks good, but hidden beneath that glossy exterior are credit card bills, student loans, car payments, and an out-of-control mortgage. Their money situation is a mess, and they’re trying to live a life they simply can't afford. So why exactly do we try so hard to keep up with the Joneses?Are we really living the lives we want, or are we chasing someone else’s dream, just trying to keep up appearances on social media, at church, and in our community? Why are we letting other people set the pace for our own family’s finances?In Love Your Life, Not Theirs, Rachel shows you how to buy and do the things that are important to you—the right way. That starts by choosing to quit the comparisons, reframing the way you think about money, and developing new habits like avoiding debt, living on a plan, watching your spending, saving for the future, having healthy conversations about money, and giving.These habits work, and Rachel is living proof. Now, she wants to empower you to live the life you’ve always dreamed of without creating the debt, stress, and worry that are all too often part of the deal. Social media isn’t real life, and trying to keep up with the Joneses will never get you anywhere. It’s time to live—and love—your life, not theirs.

    How to Shop for Free is Spencer's smart, sassy, step-by-step savings guide that teaches you how to do just that -- and more. You'll learn how to find the best savings and combine them with store promotions, rewards programs, and store credit to get almost anything for free -- from organic produce to makeup, prescription drugs to clothing. With an eye toward cutting your monthly spending on the basics, Spencer guides you through many popular stores -- including CVS, Kohl's, Safeway, Target, and Walgreens -- and explains how to maximize your savings. Follow Spencer's plan and, by the end of the book, you'll be shopping for free.

    With a pastor father and a stay-at-home mother, her 1960s southern upbringing was bucolic--even enviable. But when her brother, only seventeen, died in a waterskiing accident, the slow unraveling of her perfect family began. Though grief overwhelmed the family, twenty-year-old Galli forged onward with her life plans--marriage, career, and raising a family of her own--one she hoped would be as idyllic as the family she once knew. But life had less than ideal plans in store. There was her son's degenerative, undiagnosed disease and subsequent death; followed by her daughter's autism diagnosis; her separation; and then, nine days after the divorce was final, the onset of the transverse myelitis that would leave Galli paralyzed from the waist down. Despite such unspeakable tragedy, Galli maintained her belief in family, in faith, in loving unconditionally, and in learning to not only accept, but also embrace a life that had veered down a path far different from the one she had envisioned. At once heartbreaking and inspiring, Rethinking Possible is a story about the power of love over loss and the choices we all make that shape our lives --especially when forced to confront the unimaginable.

    He was an architect of British comedy, paving the way for Monty Python, and then became a major Hollywood star, forever remembered as Igor in Mel Brooks’ Young Frankenstein. A writer, director, performer and true pioneer of his art, he died aged only 48. His name was Marty Feldman, and here, at last, is the first ever biography. Acclaimed author Robert Ross has interviewed Marty’s friends and family, including his sister Pamela, Tim Brooke-Taylor, Michael Palin and Terry Jones, and also draws from extensive, previously unpublished and often hilarious interviews with Marty himself, taped in preparation for the autobiography he never wrote. No one before or since has had a career quite like Marty’s. Beginning in the dying days of variety theatre, he went from the behind the scenes scriptwriting triumphs of Round the Horne and The Frost Report to onscreen stardom in At Last the 1948 Show and his own hit series Marty. That led to transatlantic success, his work with Mel Brooks, and a five-picture deal to write and direct his own movies.From his youth as a tramp on the streets of London, to the height of his fame in America – where he encountered everyone from Orson Welles to Kermit the Frog, before his Hollywood dream became a nightmare – this is the fascinating story of a key figure in the history of comedy, fully told for the first time.

    While the ecommerce industry presents incredible opportunities, these four areas can also present major pitfalls in the quest for success. Cyndi Thomason has taken the core concepts of the Profit First methodology, created by Mike Michalowicz, and customized them to address the specific needs of the ecommerce business. Profit First for Ecommerce Sellers addresses each of the four major struggles and provides clear and actionable guidance on how to overcome them, taking the online seller from simply getting by to becoming permanently profitable. This book is for every online seller who dreams of ecommerce prosperity.

    

    You may find it for free on the web. Purchase of the Kindle edition includes wireless delivery.

     In his car were the drugs the team needed if they were to have any chance of playing a competitive part in the 1998 Tour de France. The car was searched, he was immediately arrested and so the story that has been undermining the sport of cycling since the death of Tommy Simpson in 1967, finally broke. Imprisoned for sixteen days, sacked from the Festina team and ostracised from the sport to which he had dedicated his life, Willy Voet at last was able to tell the truth. His sensational story will change cycling forever.Cocaine, amphetamines, EPO, heroin - all these are now considered not optional but necessary, not to win but just to compete in the Tour de France. Details of how these drugs are obtained, mixed together to make cocktails, administered and concealed are all included in this graphic and uninhibited account of how drugs brought cycling to its knees.

    People talk about it like it’s so easy. But how do you do it in a way that fits your style, protects your relationship with baby and actually works? Don’t worry, I’ll tell you. In this quick and easy guide, I’ll distill all the basics from the best resources out there on baby sleep. I skip the parent shaming and a ton of fluff that the other books are filled with, and I’ll give you the best cliff’s notes version out there so that in an hour or so you can be a sleep-expert, too. I'll explain why sleep is so important, and tell you the biggest secret out there about smooth sleep training (hint: it has nothing to do with how much crying you can tolerate). Parenting isn’t one size fits all, so I give you three solid options that can fit anyone’s paradigm and I'll walk you through a 14-day plan to revolutionize sleep for everyone. What are you waiting for? Let's get your sleep on!