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.

    You'll never find a wiser advisor with a bigger heart.” -- Malachi Rempen: Filmmaker, cartoonist, author and self-described ruffian This book grew out of a series of letters to my daughter concerning various things—mostly about money and investing—she was not yet quite ready to hear. Since money is the single most powerful tool we have for navigating this complex world we’ve created, understanding it is critical. “But Dad,” she once said, “I know money is important. I just don’t want to spend my life thinking about it.” This was eye-opening. I love this stuff. But most people have better things to do with their precious time. Bridges to build, diseases to cure, treaties to negotiate, mountains to climb, technologies to create, children to teach, businesses to run. Unfortunately, benign neglect of things financial leaves you open to the charlatans of the financial world. The people who make investing endlessly complex, because if it can be made complex it becomes more profitable for them, more expensive for us, and we are forced into their waiting arms. Here’s an important truth: Complex investments exist only to profit those who create and sell them. Not only are they more costly to the investor, they are less effective. The simple approach I created for her and present now to you, is not only easy to understand and implement, it is more powerful than any other. Together we’ll explore: Debt: Why you must avoid it and what to do if you have it. The importance of having F-you Money. How to think about money, and the unique way understanding this is key to building your wealth. Where traditional investing advice goes wrong and what actually works. What the stock market really is and how it really works. Why the stock market always goes up and why most people still lose money investing in it. How to invest in a raging bull, or bear, market. Specific investments to implement these strategies. The Wealth Building and Wealth Preservation phases of your investing life and why they are not always tied to your age. How your asset allocation is tied to those phases and how to choose it. How to simplify the sometimes confusing world of 401(k), 403(b), TSP, IRA and Roth accounts. TRFs (Target Retirement Funds), HSAs (Health Savings Accounts) and RMDs (Required Minimum Distributions). What investment firm to use and why the one I recommend is so far superior to the competition. Why you should be very cautious when engaging an investment advisor and whether you need to at all. Why and how you can be conned, and how to avoid becoming prey. Why I don’t recommend dollar cost averaging. What financial independence looks like and how to have your money support you. What the 4% rule is and how to use it to safely spend your wealth. The truth behind Social Security.

    Early Retirement Extreme shows how I did it and how anyone can formulate their own plan for financial independence. The book provides the principles and framework for a systems theoretical strategy for attaining that independence in 5-10 years. It teaches how a shift in focus from consuming to producing can help people out of the consumer trap, and offers a path to achieving the freedom necessary to pursue interests other than working for a living. The principles in Early Retirement Extreme show how to break the financial chains that hold people back from doing what they truly want to do. The framework has been used by many people over the last few years to accomplish a variety of goals. It provides people a means to achieve almost any goal, whether it's debt-free living, extended travel, a sabbatical, a career change, time off to raise a child, a traditional retirement, or simply a desire for a more resilient and self-sufficient lifestyle. The book was initially written for people in their 20s and 30s, but its ideas aren't limited to early retirees. Middle-aged people in the grips of consumerism can use the principles to take back control of their lives. People closer to retirement age who don't feel adequately prepared can use it to set themselves up for a comfortable retirement in a relatively short period of time. Anyone worried about their financial future can use the principles in Early Retirement Extreme to make their future more secure.

    His profound and poetic speeches are famous around the world, evidence of the greatness of American’s most beloved leader. But did you know that the sixteenth president of the United States was also a backwoods hillbilly from America’s western frontier, with a Kentucky accent so thick you could cut it? Or that he liked wrestling matches, dirty jokes, and had a reputation for telling hilarious, R-rated stories that weren’t suitable for mixed company? From his childhood working as a virtual slave for an abusive father, to sailing a river raft to New Orleans, to the Illinois General Assembly, Congress, and the White House, the story of Abraham Lincoln’s life is the story of America. He mourned the deaths of almost everyone he loved, endured marriage to a wife whose mental health issues made her a domestic abuser, and lost more elections than he won. But Abraham Lincoln believed in one thing above all: that everyone deserved a fair shot at the American dream. Why did John Wilkes Booth really shoot Abraham Lincoln? The truth is as shocking now as it was in 1865.

      Buy as many lattes as you want. Choose the right accounts and investments so your money grows for you—automatically. Best of all, spend guilt-free on the things you love.   Personal finance expert Ramit Sethi has been called a “wealth wizard” by Forbes and the “new guru on the block” by Fortune. Now he’s updated and expanded his modern money classic for a new age, delivering a simple, powerful, no-BS 6-week program that just works.  I Will Teach You to Be Rich will show you: • How to crush your debt and student loans faster than you thought possible • How to set up no-fee, high-interest bank accounts that won’t gouge you for every penny • How Ramit automates his finances so his money goes exactly where he wants it to—and how you can do it too • How to talk your way out of late fees (with word-for-word scripts) • How to save hundreds or even thousands per month (and still buy what you love) • A set-it-and-forget-it investment strategy that’s dead simple and beats financial advisors at their own game • How to handle buying a car or a house, paying for a wedding, having kids, and other big expenses—stress free • The exact words to use to negotiate a big raise at work  Plus, this 10th anniversary edition features over 80 new pages, including: • New tools • New insights on money and psychology • Amazing stories of how previous readers used the book to create their rich lives   Master your money—and then get on with your life.

     A Ragdoll Kitten Care Guide: Bringing Your Ragdoll Kitten Home is a comprehensive guide that covers every aspect of kitten care a new owner needs to know written in a warm, friendly tone. What if you knew what to expect and prepare for before you even picked your Ragdoll kitten up? Wouldn't it be nice to know how to kitten proof your home? Or what about what to buy in anticipation for your little one's arrival? Looking for recommended products for a new Ragdoll kitten? Looking for suggestions on everything from water fountains to scratching posts, pet carriers, cat litter, litter boxes, cat bowls, etc....products that a Ragdoll cat owner just can't live without? How about vet visits and cat health insurance? There's a lot to consider and prepare for. A Ragdoll Kitten Care Guide includes links to videos and products, and the information presented is from real life experiences, not repeated from other cat books. There are many quick, simple tips that can be used with Ragdoll kittens. The author also has a corresponding website Floppycats.com, where you can easily connect with other Ragdoll cat owners. Here's a peek inside of A Ragdoll Kitten Care Guide: Chapter 1 - Getting Your Kitten Safe-Room Ready, Kitten-Proofing, and Other Things Chapter 2 - First Days with Your Kitten and Things to Watch Out For Chapter 3 - Diet, Food and Water Bowls, Treats Chapter 4 - Scratchers, Trees, Toys and Beds Chapter 5 - Vets, Carriers, Vaccinations and Cat Health Insurance Chapter 6 - Nail Trimming, Declawing and Grooming Chapter 7 - Litter Boxes, Automatic Litter Boxes and Litter Scoops Chapter 8 - Dental Care, Teething and Teeth Brushing BONUS: How to Introduce Your New Ragdoll Kitten to a Resident Cat BONUS: Bringing Your Ragdoll Kitten Home Checklist BONUS: Questions to ask Ragdoll Breeders Carefully researched, this guide is a fast and enjoyable read with lots of photos and recommendations for the Ragdoll Kitten owner. Everything is broken down into easy chapters, and Jenny writes as if she is there with you to take you there through the various steps.

    

    

    When various complications arise during the journey, Nate finds himself focusing closely on the characters around him for a bit of entertainment, but ends up getting more than he bargained for. The focal point of the story is Nate's seat-mate, a young man named Bud, whose extremely odd behavior catches the attention of everyone on the bus.

    The Trifecta Secret of Wealth & Abundance is an easy-to-follow guide that leads you straight to the life you are meant to live. Each of us has a special purpose, and learning our own unique truth opens us up to receiving the three things we most want and need in life: Health, Wealth, and Love. Many self-help books zero in on one area: how to get rich, or how to get fit, find love, or be happy. But they fall short of the mark simply because of their narrow focus. For, as The Trifecta Secret of Wealth & Abundance clearly illustrates, it is in achieving a balance of love, health, and money that true happiness and plenty are found. Avoiding the usual fluff, this book dives right into the heart of its message. It's straight to the point and offers up substantial information from the very first page to the very end. The truth is that the power lies within each one of us to create our own abundance. So, before we can achieve success in the outside world, we must begin by bringing balance to our inner world. Start your journey today.

    A fearless group of young men that made a name for themselves in Chicago’s underworld of gangs and drugs; The Black Corleones—rose to the top ranks of the dope world—all before finishing high school. For them, life was good; money, cars, clothes and women; all at their disposal. But everything isn’t always what it seems. Find out what happens when one member of the crew has ill feelings. Dive into the world of The Black Corleones as they learn the hard way. With money involved; love and loyalty don’t always go hand in hand.

    It is important for every person to save for one’s retirement as one can expect to live for twenty years after one retires as life expectancy of an Indian is going up steadily due to lower infant mortality and better medical care. There is a complete absence of social security safety net for most Indians today, even for those working in Government sector, there is no inflation adjusted pension available anymore. I have tried to simplify the advantages and disadvantages involved in investing your savings in various asset classes. I have deliberately left out two of the most popular forms of investment among middle class Indians 1) Life insurance 2) Real estate Let us consider life insurance first most of us confuse insurance as an instrument of savings, it is not. We have this wrong view because of the tax breaks given to income tax assesses by the Central Government. Insurance is a product that mitigates risk and is sold by the rich to the middle class and is always skewed in the favour of the insurer rather than the insured. A substantial portion of the total money invested by you goes towards paying agent’s commission and premium for insuring you for the risk of mortality. The balance left out is invested in government securities and other securities. Hence the amount of money invested out of the total premium paid is less than half paid by the insurer. The return on money invested by the policy holder is less than half of the money he would have earned either in bonds or fixed deposits. A person who needs insurance is a person whose family will need support in the event of his untimely death. Alternately insurance is required for a person who has debt in form of mortgage and does not want to burden his family in the event of his passing. The product which covers these risks is called term insurance. One should not buy insurance to avoid taxes as there is better tax saving tools available. Real estate is also considered as a good investment by several retail investors but nothing can be further from the truth. Nobody makes money by buying plots in the middle of nowhere. The easy availability of mortgages from the nineties and the tax breaks given by the Central Government on housing loans has created an unparalleled boom in the residential market. There is now a painful correction process under way in that sector. The price of land is reflexively connected to availability of money. The lower the cost of money, greater the returns in real estate. Buying plots in the middle of nowhere is similar to buying lottery tickets as investment. Land cannot be liquidated immediately into cash at a short notice to meet urgent requirements. Cost of maintenance and protection of real estate from illegal occupation is prohibitive and time consuming. Verification of title deeds to the property is a complex process and needs sound legal advice. You should have a house to live and another to collect rent as rent is equivalent of inflation adjusted pension. The return on investment generated in the three different asset classes over 25 years would be in the following order 1) Equities 2) Gold and finally 3) Debt instruments. I enjoyed writing this book as a companion volume to my first book. It is my fond hope that you enjoy reading this book.

     This was the first time the Americans had penetrated the “outer ring” of the Japanese Pacific sphere. From now until the end of the war the combined forces of the Navy, Marine Corps and Army would island hop their way to the Japanese mainland. Yet, the Battle of Kwajalein Atoll, particularly on the island of Roi-Namur where there were only 51 survivors of the original 3,500 garrison left, gave the Americans an insight into the fierce resistance that the Japanese would put up over the remaining months of the war. Drawn directly from the testimonies of several hundred infantrymen, Island Victory provides insight into what it was like to feel the heat of battle on the beaches of those Pacific islands. "Written accounts of war simply do not get any closer to the actions and feelings of those [who] were there. Island Victory is a highly recommended, 'must read' book." — The Midwest Book Review "The real value of Island Victory lies in the unadorned words of these soldiers, recorded so openly and methodically by Marshall after the battle. . . . The Kwajalein victors interviewed so painstakingly by Sam Marshall provide a priceless candor and authenticity, the emotional testimonies of young men still flushed with adrenalin, guilt, and relief." — Joseph H. Alexander, Journal of Military History S. L. A. Marshall was a chief U.S. Army combat historian during World War II and the Korean War. He had served on the border with Mexico during the Pancho Villa Expedition before serving in France during World War I. He wrote over thirty books about warfare. Island Victory was first published in 1944. Marshall passed away in 1977.

    This book contains 400 question covering all eight of the Harry Potter movies. Questions range from Siriusly easy to Riddikulusly difficult. There's also a round of tiebreakers to settle any disputes. Will you score 10 points for Gryffindor or will you Slytherin to last place?

    The happiness of his family and school life was snatched from Jamie when his father was sentenced to ten years in prison for his involvement in the killing of Jack "The Hat" McVitie. The subsequent years saw Jamie without the father he adored and the whole family was put under enormous strain. At 14, Jamie decided that his passion was for acting and, having been encouraged by Barbara Windsor, he discovered yet another new environment at the Italia Conti Stage School. Jamie thrived in the acting world and was soon enjoying success on both stage and screen. By the time of his dad's release from prison, Jamie had carved a "straight" career for himself--but after years apart, there was plenty of lost time to make up for. Soon, he was dividing his time between acting and assisting with Freddie's "business." Whether on the streets or on the stage, there was never a dull moment; Jamie was living life at 100 miles an hour and loving it. Before long, though, life took a surprising turn when a drug deal his father was heavily involved in went tragically wrong and he was forced to go on the run to America with his dad, which marked the start of a whole new adventure.