Discover the events that have shaped your Clan and hear about the people who form part of your Scottish ancestry.

    You've reached major milestones and accumulated more assets than you dreamed possible, and yet you hesitate. “Can I retire?” This book will help answer that question by showing you…. The tools you need to live a secure and independent retirement, without worrying about money What you must know before leaving a career behind How much it will cost you to live in retirement, and how to manage your cash flow The current choices for retirement health care, including lesser-known but effective options The threat from inflation: two secrets that politicians and bankers will never admit A realistic assessment of the impact that income taxes will have on your retirement Social Security’s role in your retirement: when you should claim and how much it’s worth to you How to construct and manage an investment portfolio for income and growth in retirement About immediate annuities and why you need multiple sources of retirement income The key variables and unknowns in your retirement withdrawal equation Reviews of the best retirement calculators, and tips for how to use them accurately Beyond the simplistic 4% Rule to the latest research on safe withdrawal rates Realistic bracketing of your retirement savings needs, without over caution or overconfidence The history of economic cycles and the related asset classes for optimal retirement security A survey of strategies plus original research for how to orchestrate your retirement distributions A practical retirement fuel gauge alerting you to problems while you still have time to act Backup plans: the lifeboat strategies for ensuring you'll never be without essential income The 6 crucial questions to answer before you can retire The one, simple, powerful, non-financial reason that you can and should retire earlier than later

    New 2nd edition includes 70 stitches!From beginner stitch patterns such as the basic stockinette, moss stitch, and craftsman stitch, all the way up to intermediate stitches such as a variety of cables and lace mesh designs, this stitch guide is sure to inspire your next knitting project!In order to work the stitches, you will need to have a basic understanding of how to read knitting patterns, how to cast on, bind off, and work the basic knit and purl stitch.

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

    Why be a product junkie when you can use the most renowned natural ingredients (biodiversity's solution) to make your curls pop! These are tried and tested, proven to have worked with all curl types from 3c- bigger curls, through to 4c-smaller coils/ kinky hair. What I recommend is that you choose your preferred recipe for each of the 5 stages and use these consistently for 6 weeks and give us feedback on how your curls have been transformed. This time period is long enough to build moisture in your hair to its maximum hydration and achieve its ultimate curl factor. Feel free to come back to this page and comment on your results. Our unique book picks on the top recipes and covers all the key stages to achieve the most pronounced and luscious curls regardless of curl type, making this book for ALL curlies! The recipe chapters comprise: Step 1: Clarify Step 2: Condition Step 3: Style Step 4: Spritz Step 5: Detangle Oil Mixes (new addition) Enjoy all the tried and tested recipes, and choose the ones that best suit your hair. This is a very valuable handbook , a must have handbook for every curly girl across all ethnicities!

    No human being who stood on her decks that fateful night was alive to commemorate the event on its 100th anniversary. Their stories are with us, however, and the lessons remain. From the moment the world learned the Titanic had sunk, we wanted to know, who had survived? Those answers didn’t come until the evening of Thursday, April 18, 1912―when the Cunard liner Carpathia finally reached New York with the 706 survivors who had been recovered from Titanic’s lifeboats. Harold Bride, “Titanic’s surviving wireless operator,” relayed the story of the ship’s band. “The way the band kept playing was a noble thing. I heard it first while still we were working wireless when there was a ragtime tune for us. The last I saw of the band, when I was floating out in the sea with my lifebelt on, it was still on deck playing ‘Autumn.’ How they ever did it I cannot imagine.” There were stories of heroism―such as that of Edith Evans, who was waiting to board collapsible Lifeboat D, the last boat to leave Titanic, when she turned to Caroline Brown and said, “You go first. You have children waiting at home.” The sacrifice cost Evans her life, but as Mrs. Brown said later, “It was a heroic sacrifice, and as long as I live I shall hold her memory dear as my preserver, who preferred to die so that I might live.” There was mystery. There was bravery. There was suspense. There was cowardice. Most men who survived found themselves trying to explain how they survived when women and children had died. But mostly, there was loss. On her return to New York after picking up Titanic’s survivors, Carpathia had become known as a ship of widows. Rene Harris, who lost her husband, Broadway producer Henry Harris, in the disaster, later spoke of her loss when she said, “It was not a night to remember. It was a night to forget.” Drawing on a wealth of previously unpublished letters, memoirs, and diaries as well as interviews with survivors and family members, veteran author and writer Alan Rockwell brings to life the colorful voices and the harrowing experiences of many of those who lived to tell their story. More than 100 years after the RMS Titanic met its fatal end, the story of the tragic wreck continues to fascinate people worldwide. Though many survivors and their family members disappeared into obscurity or were hesitant to talk about what they went through, others were willing to share their experiences during the wreck and in its aftermath. This book recounts many of these first-hand accounts in graphic, compelling detail.

    Hundreds of improvements and updates for the new tenth anniversary edition from CostaRicaGuide.com and Toucan Maps.2 sided, 39 in. x 26.25 in. (4.875 in. x 9 in. folded)Roads are clearly differentiated by color and line width for classes from limited access divided highways down to 4WD seasonal tracks - improved and even easier to see the main route to your destination at a glance.Locations and easy to read indexes are included for cities and towns, National Parks and other natural areas, beaches, rivers, peaks, volcanoes, waterfalls and the best hotels, lodges, resorts, restaurants and activities.Exclusiveso The only street level map in print for the entire Central Valley from the International Airport to San Jose.o Detailed maps of Arenal Volcano/Fortuna, Alajuela, Escazu, Heredia, Manuel Antonio/Quepos, Monteverde/Santa Elena, Playa Jaco, Playa Tamarindo/Langosta, Puerto Jimenez & Tenorio/Celeste.o Proprietary symbols for distinctively Costa Rican attractions like zip-line and hanging bridge canopy tours, butterfly gardens, waterfall rappelling, rain forest horseback rides, SCUBA, deep sea fishing, golf, white water rafting, trails and many more. See at a glance what to do where.o Driving distance table and mini map for calculating trip distances and estimating drive times.o Printed on high tech synthetic "paper" it s lightweight, durable & totally waterproof - works great as an emergency umbrella!o A few dozen useful English to Spanish phrase and word translations are provided in an inset. You will appreciate having 'What is the best way to get there?' and 'Can you please show me on the map?' at your fingertips if you need to ask directions.

    Most books on world history overly emphasize the role of Western nations in the vast saga of mankind - the author of this book rectifies the gaps in books by Western historians by beginning the narration of world history with East Asia, and progresses from there through the rest of Asia to the Middle East.

    It is now possible for cyclists of all abilities to ride a well marked, well marshalled event just about any weekend of the year, usually based around one, two or sometimes as many as ten fearsome hills. For the first time, here is a pocket-sized guide to the 100 greatest climbs in the land, the building blocks for these rides, written by a cyclist for cyclists. From lung busting city centre cobbles to leg breaking windswept mountain passes, this guide locates the roads that have tested riders for generations and worked their way into cycling folklore. Whether you're a leisure cyclist looking for a challenge or an elite athlete trying to break records stick this book in your pocket and head for the hills. To watch a video of Simon Warren in action click here

    The exciting pieces come from an international array of artists, each with a unique perspective. The stylishly varied collection has a little bit of everything: the cups range from handbuilt to wheel-thrown, practical to sculptural, round to square. Benjamin Schulman's "Stacked Teacup Set" takes a strictly functional approach, while Heather O'Brien's "Dessert Cups on Stand" focuses on aesthetic form rather than usefulness. Annette Gates' "Espresso Shot Cups with Rubies" has a surface design of simple abstract lines and dots of glaze and jewels. Some are whimsical, others starkly conceptual. Every one is a treat for the eye.

    Finish up by following Amanda's suggestions for filling in background space with free-motion quilting.

    Kids seem to go through and grow out of clothes so fast. To keep up with your kid, we've compiled some amazing patterns in this free eBook, Sewing for Baby 11 Small Sewing Projects for Your Little One. These easy sewing projects for babies will help you save money as well, which is something else that new parents always seem to need as well. Even if you are not a parent, the clothes and accessories that are included in this eBook will make for some amazing presents for those people in your life who are.

    This art form has been developed by Rick Roberts and Maria Thomas. What I love most about this art form is that all the patterns are based on simple lines, circles and shapes. Anyone can do it. The beauty of Zentangle lies in the way these patterns evolve from their simple building blocks. Different patterns are put together to create small ‘tiles’ or square drawings. Zentangle art has been used by artists from all over the globe and from all art fields. They have incorporated Zentangle art into everything from mixed media, paper crafting, scrap booking to home décor projects. A simple search on Google images will reveal the vast world of Zentangle art! Zentangle art has also been used by kids all over the world to have fun and make paper toys. With this book Zentangle art can now be used by you to rest, relax, create and make art! This book is perfect for the beginner as well as the experienced tangler. We will go through the list of tools needed, basic tangles created by Rick and Maria, Zentangle Inspired Projects, creating new tangles and lots of worksheets for you to play with and have fun. So left brained or right brained, artist or scientist, child or adult join us in this wonderful journey as we discover and create awesome doodles and tangles. This book will take you from the tools needed to start your Zentangle art experience to creating some beautiful Zentangle Inspired Art pieces that will range from mixed media to home décor crafts. Let’s take a brief look at all we will cover in this book. We will discuss paper, pencils, tiles and log books to store patterns. Once we have all the basics in place we will move on to basic tangle patterns. These tangle patterns have either all been developed by the founders of Zentangle, Rick and Maria or are part of the list of official tangles. They are a great place to start your tangling adventure. Tangles can also be enhanced in several different ways. We will talk about four of these methods and share some examples. Next up we will add some color to the black and white world of Zentangle Art and stir things up a bit. We will go through several different ways in which color can be incorporated in your tangled art. Then we come to the art creation section of the book! In Chapter 5 I will share lots of worksheets for exercises and projects you can do yourself whenever you want. The worksheets come as an easy download and you can print as many as you want to use for yourself or share with family and friends when you introduce them to tangling. These worksheets come as a separate pdf which is available for FREE download for all readers. In Chapter 6 I will outline and give instructions for several applications of Zentangle art in the popular art and craft forms today. We will talk about mixed media art dolls, home décor items, book making, art journaling, card making, paper quilts, Artist Trading Cards and paper crafting. To finish up I will share with you a few of the tangles I have come up with and will show you how to create your own!

    He reveals how they make it work – from how to downsize to how to support yourself. This is not your typical RVing book that rehashes common knowledge. Jerry Minchey lives full-time in his motorhome, and he breaks the mold about RV living with this highly original book. The appeal and the dream of the RV lifestyle have not changed much since the first RVs were introduced shortly after 1900. Henry Ford and Thomas Edison used to take their motorhomes and go on trips together back in 1910. They loved the adventure. Jerry Minchey's brutally honest descriptions of the RV lifestyles described in this book will answer your most pressing questions as well as answer questions you probably never even thought to ask.You may find that retiring and living the RV lifestyle is just what you want to do. After all, the RV lifestyle is the most enjoyable and least expensive way to retire. See actual logs of what RVers are really spending. I think you'll be pleasantly surprised at the numbers. You'll find that you can live the RV lifestyle even if your only income is your Social Security check. In this book you'll also learn: What's It Like Living Full Time in an RV? Can I Afford the RV Lifestyle? What Kind of Rig Should I get? Can I Drive an RV? How Much Will an RV Cost? Pitfalls to Avoid & Buyer Checklist Planning for the Leap into Full-time RVing How to Get Rid of Your Stuff Pets Make Great Travelers – If You Know a Few Tips and Secrets What About Being Away From Family and Friends? How to Find the Best Campgrounds Boondocking – The Art of Camping for Free Towing a Car – 4 Wheels Down or a Dolly? Getting Your Mail, Voting, Where is Your Legal Residence, and Other Logistics The Internet – How to Stay Connected While on the Road Healthcare on the Road – With up-to-date 2016 Information Ways to Make Money With or Without a Computer The Emotional Aspects of the Full-time RV Lifestyle And a Whole Lot More Freedom, adventure, fun, stress-free, and relaxing are words RV owners frequently use to describe why they enjoy the RV lifestyle, and after reading this book, you'll understand why they feel that way. To say this book is rare would be a grave understatement. This book provides a unique opportunity to peer into the most intimate details of living the exciting full-time RVing lifestyle. For a real behind-the-scenes look at one of the most enjoyable and least expensive ways to retire add Motorhome and RV Retirement Living to your must-read list.