You sacrifice to save. You risk your money in the market over your working lifetime and you trust your bank to treat you fairly. But your bank strips away half of your lifetime investment returns in fees. Without realizing it, millions of Canadians are in precisely this position.How does the industry pull this off? The big Canadian banks - and by extension our entire financial industry - occupy a position of paternalistic authority that too many individual investors respect unquestioningly. The industry brilliantly capitalizes on the combination of poor understanding of fees, deep loyalty, and misplaced trust by charging Canadians the highest investment fees in the world. There is a better way!

    So she is shocked when she finds out Cloudy's former owners might want to buy her back! Maddie desperately concocts various plans to stop the sale: maybe she can raise money to buy Cloudy herself, or what if she can make the potential buyers lose interest? Maddie's online Pony Post friends--Brooke Rhodes, Hayley Duncan, Nina Peralt, who all share a love of Cincoteague ponies--can tell something is up, but at first Maddie is afraid to tell them what's happening. If she loses her only connection to Chincoteague, will they even want to be friends with her anymore?

    Can a fake relationship make her shine?Mia Black “aka” Black Sheep, is the slightly geeky, kind of smart, but otherwise lusterless middle daughter of a family full of shining stars. Literally, like, movie stars. Austin is the super cute, uber-popular, basketball phenom whose athletic career just took a nosedive when his failing grades landed him in academic probation. Basically Mia’s polar opposite.When Austin impulsively kisses Mia in the hallway in front of everyone, pretending he’s moved on from the girl who just dumped him, he begs Mia to play along and promises he’ll make it worth her while. Mia knows her reputation could use some help, and Austin is the perfect guy to elevate her from not to hot. All she has to do is help him get his grades up, and Austin will pretend to be madly in love with her. Sounds like a win-win for both of them, right?Fake it till you make it, the saying goes, and Mia and Austin soon realize that opposites do attract. But can their relationship, and their reputations, survive when the whole school finds out they were only faking? If you like fun and flirty teen contemporary romance books by authors such as Kelly Oram, Jessica Park, Amy Sparling, or Nicola Yoon, you'll love My Fake Valentine!

    The branding they employ may contain complex systems of meaning and emotion; it conveys the group's beliefs and capabilities. Branding Terror is the first comprehensive survey of the visual identity of the world’s major terrorist organizations, from al-Qaeda and the Popular Front for the Liberation of Palestine to the Tamil Tigers. Each of the 60-plus entries contains a concise description of the group’s ideology, leadership, and modus operandi, and a brief timeline of events. The group’s branding — the symbolism, colors, and typography of its logo and flag — is then analyzed in detail. Branding Terror does not seek to make any political statements; rather, it offers insight into an understudied area of counter-intelligence, and provides an original and provocative source of inspiration for graphic designers.

    The location of these “imprints” is unique to the individual, but the meaning behind the letters is the same. Sooha’s happens to be located in a – ahem – very private location. The chances of actually uniting with one’s soulmates is rather slim, but that hasn’t stopped Sooha. Not only does he believes he will find his, but he has refused to enter into any other relationship until then. But lately his handsome boss chef Calix has had him feeling some feels “down there...” He thought he was alone in these feelings until the chef suddenly started showing interest in him. Could the tides be finally changing for our innocent Sooha?

    Nothing major - a light spanking will do just fine. When he spots Simon at a New Year's Eve party, he knows he's met a man who can make his New Year's resolutions come true. Oh Behave by Jude Mason Cathy James meets Nate Shaw at the local pool on one of her layovers. A couple of things get Cathy's attention about Nate. He does as he's told, and he's easily excited by being asked to behave. A few months down the road, Nate has a mishap and is in for a spanking. Poor Nate is beside himself after a couple of hours of teasing and torment. Will he be able to stand his punishment? One Good Outcome by Jenna Byrnes Steve Cannon's been naughty. He's naughty a lot, because a spanking from Mistress Ginger is one of his favorite things in the world. Someone sends photos taken at the BDSM club to Steve at his office. He and Ginger are forced to track down the bad boy and determine his punishment. Exactly what Devon Pierce had in mind. He's naughty, too, and desperate for his handsome boss and Mistress Ginger to notice. Serving Lisa by Martin Delacroix Lane's a college student with a secret: he needs discipline from a mature woman. Visiting a website called Cruel Mistress, he finds a listing by a German couple, Lisa and Andreas. They seek a young man who "craves naked discipline" to "service the lady of the house." When Lane responds, his life is quickly transformed in ways he'd never imagined. Special Content Alert: M/M Excerpt: From One Good Outcome, by Jenna Byrnes: She reached for her open bag and thoughtfully surveyed the contents. He gulped when she removed a flogger with a thick black handle and long plastic tendrils shooting out from the end. Turning to face him she said, "I think you're an impudent slug and if you believe this "thing"-" She leaned over to eye his dangling cock. "Has any hope of touching "me," you've got some repenting to do. Open your mouth." He did, and she inserted the handle of the flogger between his lips, gagging him. Steve's heart leaped. "The exact reaction I hoped for." His stomach tingled in anticipation. Mistress turned back to the bag and pulled out a deep purple, cushioned paddle. She held it up and examined it before looking at him again. "Do you agree I need to use this?" Steve nodded and his heart thudded. She shook her head and rolled her eyes. "Such a slut for a spanking. I should just leave, which would be ideal punishment for you." With a vigorous shake of his head, and aware the thick handle hindered his speech, he said, "Pwease." She smiled and ran a finger under his chin. "Aw, sweet. Beg me again." "Pwease," he repeated without shame. He'd do anything for a spanking, in fact, had done "much more" to achieve the sweet pleasure/pain he desperately craved. She returned to the chair and sat with legs together, her back rigid. "Position," she snapped. Steve scrambled to lie across her lap. He pressed his fingertips to the floor and straightened his legs. Spreading his knees, he touched his toes to the tile. Mistress massaged his ass with a firm hand. "Such a willing slave, so well-trained. I could make good money hiring you out." Steve groaned. Her hand "and" her words aroused him to a frenzy of excitement. She'd never hire him out, but when they were immersed in role-play, she said some strange things, and had surprised him on more than one occasion. He bucked his hips and begged for her attention. A sharp slap of her hand warmed his ass. "Hold still." He froze. The first blissful wisps of the sting settled over him.

    Yet even children recognize that tearing one into small pieces is an act of inconceivable stupidity. What makes a $20 bill actually worth twenty dollars? In the third volume of his best-selling Naked series, Charles Wheelan uses this seemingly simple question to open the door to the surprisingly colorful world of money and banking.The search for an answer triggers countless other questions along the way: Why does paper money (“fiat currency” if you want to be fancy) even exist? And why do some nations, like Zimbabwe in the 1990s, print so much of it that it becomes more valuable as toilet paper than as currency? How do central banks use the power of money creation to stop financial crises? Why does most of Europe share a common currency, and why has that arrangement caused so much trouble? And will payment apps, bitcoin, or other new technologies render all of this moot?In Naked Money, Wheelan tackles all of the above and more, showing us how our banking and monetary systems should work in ideal situations and revealing the havoc and suffering caused in real situations by inflation, deflation, illiquidity, and other monetary effects. Throughout, Wheelan’s uniquely bright-eyed, whimsical style brings levity and clarity to a subject often devoid of both. With illuminating stories from Argentina, Zimbabwe, North Korea, America, China, and elsewhere around the globe, Wheelan demystifies the curious world behind the paper in our wallets and the digits in our bank accounts.

    Spanning 2,500 years, left and right, thinkers and doers, Tom Butler-Bowdon's new book covers activists, war strategists, visionary leaders, economists, philosophers of freedom, feminists, conservatives and environmentalists, right up to contemporary classics such as The Spirit Level and No Logo. Whether you consider yourself to be conservative, liberal, socialist, or Marxist, this book gives you greater understanding of the key ideas that matter in our politically charged times.

    Schulz (1922–2000) believed that the key to cartooning was to take out the extraneous details and leave in only what’s necessary. For 50 years, from October 2, 1950, to February 13, 2000, Schulz wrote and illustrated Peanuts, the single most popular and influential comic strip in the world. In all, 17,897 strips were published, making it “arguably the longest story ever told by one human being,” according to Robert Thompson, professor of popular culture at Syracuse University. For Only What’s Necessary: Charles M. Schulz and the Art of Peanuts, renowned designer Chip Kidd was granted unprecedented access to the extraordinary archives of the Charles M. Schulz Museum and Research Center in Santa Rosa, California. Reproducing the best of the Peanuts newspaper strip,all shot from the original art by award-winning photographer Geoff Spear, Only What’s Necessary also features exclusive, rare, and unpublished original art and developmental work—much of which has never been seen before.

    But even she acknowledges that there are tricks to her trade and that making money decisions often feels more complicated than it should. So, where to start? With Gail’ s Money Rules, of course— her essential rules for making your money work for you.Covering every topic under the financial sun— from TFSAs to taxes, borrowing to breaking bad habits, relationships to RRSPs— Gail tells readers that many of the rules they have been following might actually be working against their best interests. Some of her advice is, as she says, common sense (Rule #17: Needs Must Come Before Wants), some of it is surprising (Rule #222: Don’ t Borrow to Contribute to an RRSP), and some is even counterintuitive coming from Gail (Rule #261: Take Pleasure from Your Money). All of the rules are delivered in digestible pieces that each give the reader a clear sense of what works and what doesn’ t.For money-phobes, this book will be a kick in the pants; for money-minders, it will ease the worry that there might be a financial tone they’ ve left unturned; for everyone else, Gail’ s rules provide what it takes to build a strong financial foundation that will last a lifetime.

    Bernstein, well known for his insights on how individual investors can manage their personal wealth and retirement funds wisely Examines how the financial landscape has radically altered in the past two years, and what investors should do about it Contains practical insights that the everyday investor can understand Focuses on the concept of Pascal's Wager-identifying and avoiding worst-case scenarios, and planning investment decisions on that basis With The Investor's Manifesto as your guide, you'll quickly discover the timeless investment approaches that can put you in a better position to prosper over time.

    But then again, neither was Bayside Academy. I haven’t seen my brother in almost two years and he hates me. At least, I think he does. He goes from treating me like dirt one minute, to standing up for me the next. I wish he would just make up his mind. And then there is Noah. My brother told me to stay away from him, but the more I get to know him, the more I like him. He’s my only friend right now and I need an ally. On top of my crazy new life, somebody is out to get me. They’re leaving me mysterious notes, but I can’t figure out who. I need to find out before somebody gets hurt, or worse. Gracie is book 1 in Bayside Academy. Book 2, Unraveling Gracie, is coming April 21, 2017! This book was originally posted as 3 separate episodes. Everybody asked for longer books, so I combined the first three episodes and made each book hereafter full length! Enjoy!

    Whether you are looking at strengthening your relationships, discovering your true potential, understanding how to do well at work or even how you can give back to the world, Gaur Gopal Das takes us on an unforgettable journey with his precious insights on these areas of life. Das is one of the most popular and sought-after monks and life coaches in the world, having shared his wisdom with millions. His debut book, Life's Amazing Secrets, distils his experiences and lessons about life into a light-hearted, thought-provoking book that will help you align yourself with the life you want to live.

    Her mother is a stylist for the soap opera Lovelock Falls, she lives in a nice house, and goes to an excellent private school. But when her mom is arrested and charged with embezzlement, everything starts to unravel. There are shocking stories about her mother's crimes in the local newspaper. Carly's friends start avoiding her. And her stepfather starts worrying about money. How can Carly put her life back together when it feels like she's missing all the pieces?

    Since its inception in 1943, IKEA has become much more than a household name in more than 30 countries -- it symbolizes an original concept, a dedication to quality, a distinct design style, and, most importantly, convenience for the harried consumer. In Leading By Design, Kamprad reveals how IKEA achieved its phenomenal success as a recognized brand that grew to dominate an industry. With candor and detail, he offers insights into his cutting-edge management strategies, his enthusiasm to embrace unusual methods (such as producing ready-to-assemble merchandise and using a car-door factory to produce furniture cheaply and effectively), and the tools he used to focus his brand to create affordable furniture with universal appeal. More than a standard business history, Leading By Design is about the inspiring ideas and innovations that make a business work.