This reassuring book debunks the generally-accepted claims about necessary savings rates, which can cause paranoia among those beginning to contemplate retirement. The authors offer greater insight into planning approaches that are not widely understood, demystifies retirement targets (age, savings, income), and outlines concrete approaches to maximizing retirement savings.Offers practical advice for dealing with the changes to Canada's retirement system Includes advice for calculating your Neutral Retirement Income Target Contains solid financial advice in accessible language Written by the Executive Chairman and Chief Actuary of Morneau Shepell Canada's national actuarial consulting firm The Real Retirement offers a down-to-earth guide for preparing for comfortable retirement and shows what it takes to achieve it.

    

    Schwartz, Ph.D., there is compelling scientific evidence that we no longer have to accept God on faith alone. Through a multidisciplinary approach, Harvard University-educated Dr. Schwartz blends psychology, quantum physics, and mathematics to examine the science of spirit. Faith and science are not mutually exclusive, and a better understanding of their relationship can lead us to recognize how God operates in everything.Trained in the scientific method as an "open-minded skeptic," Dr. Schwartz was taught how to raise questions, turn them into hypotheses, and design experiments to test them. He was not trained to consider the nature of God. And yet, his scientific research led him directly to the discovery of God's existence in intelligent evolution and everyday life.Scientifically rigorous and spiritually reassuring, this eye-opening book is a wake-up call for anyone who wonders about life's true meaning and who longs to believe in the existence of a universal intelligence.

    Since reptiles are cold-blooded creatures, most humans don't instinctively understand their requirements the way they understand the needs of a cat or dog. Herp expert Philippe de Vosjoli and his team of veterinarians and authors seek to make keepers confident in their ability to properly care for their bearded dragons through this most informative book. A key component of caring for bearded dragons, according to the authors, is recognizing that their needs change as they develop. De Vosjoli states in the introduction to the book, "Looking at the life stages of bearded dragons also made [the authors] aware that, like humans, they undergo changes in growth and behavior, which may require the dedicated owner to make adjustments in husbandry (and general care) to meet the needs of each life style." The Bearded Dragon Manual is the first book to present this information that is so critical to the proper maintenance of these very popular reptiles.Colorfully illustrated, The Bearded Dragon Manual provides chapter-length coverage on the following topics: selecting a dragon, making a home for a dragon, heating and lighting, diet and feeding management, and behavior. The feeding chapter, which includes as age-by-age guide to nutrition, was co-written with veterinarian Dr. Susan Donoghue. A chapter on breeding discusses strategies for breeding dragons, requirements, conditioning, incubation, and potential problems encountered. Lizard vet extraordinaire Dr. Roger Klingenberg has written a chapter on recognizing and treating bearded dragon diseases, in which he discusses how to recognize a sick dragon, various internal and external parasites, nutritional disorders as well as kidney disease, prolapses, egg-binding, respiratory infections, and eye problems. The chapter concludes with a four-page chart for troubleshooting health problems. Herb expert Jerry Cole has provided a special chapter on frilled dragons, an agamid similar to the bearded dragon that has attracted many bearded dragon fans. Appendices and index included.

    With this book you will learn how to tap into every Kindle Fire feature, including many of the hidden ones not discussed in other books. From setting up your Kindle Page, managing your music, watching movies, and downloading content - this book covers everything. The task based full-color format allows you to quickly and easily find the exact task you want to accomplish and walks you through it in a delightfully concise and visual manner. My Kindle Fire makes it easy for you to:• Master all the basics, fast: reading, playing, watching, browsing, and more• Tweak your Kindle Fire for quicker access and longer battery life• Sample best-seller book chapters for free• Mark up any eBook with highlights, notes, and bookmarks• Convert your personal documents for use on Kindle Fire• Discover Calibre, a powerful eBook management tool• Control even the largest music libraries• Get instant answers from Wikipedia, and from Kindle Fire’s built-in dictionary• Listen to personalized Internet radio stations created just for you• Use your Kindle Fire as a digital photo frame• Prevent unwanted subscription charges• Set up any email account to work on your Kindle Fire• Explore any web content with Amazon’s innovative Silk browser• Use Amazon Cloud to get your stuff anywhere—even if you left your Kindle at home• And much much more…Unlike many other guides which might only briefly mention or skip over some very import Kindle Fire features My Kindle Fire covers everything. Here are just a few of the things you'll find in My Kindle Fire that aren't covered in other guides: • Full coverage of Calibre, a free application for Mac or PC that helps manage your eBook library• A large number of walkthroughs for managing music playlists, including how to use cloud playlists. • How to reinstall multiple apps at once in case you reset your Kindle Fire. • Step-by-step walkthroughs on configuring all types of email accounts. • Coverage on handling attachments in your email application. • Importing contacts from your existing email application or cloud service and how you can export your contacts in order to back them up. • How to use Copy and Paste on the Kindle Fire. • How to use social networking integration with Facebook and others. • Walkthroughs on using the Gallery app, Pandora, Audible, and other popular apps. • Shows you how to access files on other computers in your house right from your Kindle Fire.

    The See and Say pronunciation system makes pronouncing unfamiliar terms easy. Because word parts are integral to learning medical terminology, mastery of these "building blocks" is emphasized in every chapter. Organized by body system, chapters begin with an overview of the structures and functions of that system so you can relate these to the specialists, pathology, diagnostic, and treatment procedures that follow. Learning Exercises in each chapter offer a variety of formats that require written answers. Writing terms reinforces learning and provides practice to help master spelling and enhance comprehension.

    Organized around a strategic marketing framework"Services Marketing" guides readers into the consumer and competitive environments in services marketing. The marketing framework has been restructured for this edition to reflect what is happening in services marketing today.

    It provides many detailed, practical design and analysis examples intended to relate theory to the workplace. Chapter topics include first experiences with an op amp; inverting and noninverting amplifiers; comparators and controls; selected applications of op amps; signal generators; op amps with diodes; differential, instrumentation, and bridge amplifiers; DC performance: bias, offsets, and drift; AC performance: bandwidth, slew rate, noise; active filters; modulating, demodulating, and frequency changing with the multiplier; integrated-circuit timers; digital-to-analog converters; analog-to-digital converters; and power supplies. For design engineers rs

    Problem-sets build both foundational and advanced skills. Includes online access to simulated practice exams and bonus bank of Sentence Correction questions. Includes most up-to-date test information.

    But where should you start? Americans are slowly becoming ill from impaired glucose metabolism that manifests itself as a debilitating illness or chronic condition. You may try to manage one problem after another– diuretics to treat blood pressure, statins to lower cholesterol, metformin and insulin to treat diabetes--without fully realizing that the root of these issues is insulin resistance which revs up inflammation, damages the immune system, and disrupts the whole hormonal/chemical system in the body.It's time to feel better and get healthy by following a simple step-by-step plan to a healthy lifestyle. Rob Thompson, MD and Dana Carpender create the ultimate dream team in your journey to wellness.The Insulin Resistance Solution offers a step-by-step plan and 75 recipes for reversing even the most stubborn insulin resistance.The Program:- Reduce Your Body's Demand for Insulin: This is the stumbling block of many other plans/doctor recommendations. Even "healthy" and "moderate" carb intake can continue to fuel insulin resistance.- Fat is Not the Enemy: Stop Worrying about Fat, Cholesterol, and Salt- Exercise--the RIGHT way:- Use Carb Blockers: Eat and Supplement to Slow Glucose Digestion and Lower Insulin Levels- Safe, Effective Medication

    Communication is also emphasized, with a focus on how to document and communicate project developments, both within and outside of the team. In-depth coverage of planning, scheduling and cost management is also provided. The authors' goal is to provide many cases that are fun and elicit interesting debates, and this edition includes new end-of-chapter cases. In addition, all new up-to-date Real World Project Management vignettes are included at the beginning and within each chapter, giving you a taste of how project management is practically applied in the workplace. Key points of each chapter are highlighted in Critical Success Factor boxes, providing an overview of the main ideas covered within the chapter. End-of-chapter materials contain questions and Internet exercises that allow you to apply the concepts covered in the chapter. Sprinkled throughout each chapter are boxed questions designed to test your comprehension of key concepts. A trial version of Microsoft Office Project 2007 is included for student use on class projects.

    Instead, the information found inside of the 21 chapters lays out a step-by-step formula for the two things online entrepreneurs care about most: How to build a large following FAST. How to convert those followers into DOLLARS. The old way of being successful on social media meant that you had to spend a small fortune to build your following, then light your marketing dollars on fire trying to figure out Facebook ads. Instagram Secrets completely demolishes the old way entrepreneurs were taught to use social media to grow their businesses. Now, anybody (even if you have ZERO Instagram followers) can generate an ENDLESS FLOOD of warm, cheap and targeted leads on demand. The warmer the lead, the easier the sale. The cheaper the lead, the higher the profit. Wasting weeks or months on “testing” is now a thing of the past. You can now test your website, landing page, and sales funnels in just a few hours and make the necessary tweaks that will put you on the fast track to profitability. There is a HUGE misconception about what it really means to be successful on social media: Having tons of followers is great, but it’s meaningless if it doesn’t make you money. Getting likes makes you feel good, but you can’t pay your bills with Instagram likes. Getting leads makes it seem like you are winning, but leads without sales are useless. Those who LOSE on Instagram treat it like a popularity contest to fuel their ego. Winning on Instagram is simple: Just follow the blueprint Jeremy reveals in this book. Will Instagram Secrets work for you? Yes. The pure gold packed from cover-to-cover in this book is not THEORY by the latest “Insta-Fake Guru.” The author, Jeremy McGilvrey wrote the book after learning DIRECTLY from Jason Stone, aka @Millionaire_Mentor who to date has 2.4 million followers, built and email list of 350,000 loyal subscribers and netted well over $2,000,000 using only Instagram. Jeremy wrote Instagram Secrets the same way Napoleon Hill wrote the all-time personal development best seller Think and Grow Rich. Hill interviewed billionaire businessman Andrew Carnegie to learn the secrets behind how he achieved his unheard-of success and indestructible WEALTH. He then simplified Carnegie’s teachings into the first ever roadmap for attaining extraordinary financial success. Similarly, McGilvrey distilled Jason Stone’s vast knowledge into the most comprehensive book ever written for building a massive Instagram following and turning those followers into dollars. Not only did McGilvrey STUDY with the best, he also APPLIED everything he learned from @Millionaire_Mentor to build two Instagram pages to a combined 312,567 followers in under 15 months, collect 35,456 email leads in 7 months and earn daily predictable profits from Instagram. Instagram Secrets was written with the goal of helping entrepreneurs completely bypass the years of pain, suffering and failure associated with building a profitable business and help them to achieve massive online success in record time. If you are looking for another cookie-cutter training about how to become Insta-Famous Instagram Secrets is not for you. But, if you are serious about using Instagram to grow your following fast, get leads, make sales and build a profitable business...Then pick up your copy of Instagram Secrets today.

    Wallace Wattles, one of the father of motivation and success, whose work inspired "the secret", is now complete in one great volume of 9 BOOKS: — The Science of Getting Rich — The Science of Being Great — The Science of Being Well — How to Get What You Want — A New Christ — Jesus: The Man and his Work — Making the Man who can (How to Promote Yourself) — The New Science of Living and Healing — Hellfire Harrison (a novel)

    Fully updated and revised to deal with recent changes to the GMAT, they were designed with a content-based approach.The Critical Reasoning Guide demystifies critical reasoning by teaching a clear, consistent, and effective approach to understanding an argument’s logic and choosing the best answer to the given question. Unlike other guides that attempt to convey everything in a single tome, the Critical Reasoning Strategy Guide is designed to provide deep, focused coverage of one specialized area tested on the GMAT. As a result, students benefit from thorough and comprehensive subject material, clear explanations of fundamental principles, and step-by-step instructions of important techniques. In-action practice problems and detailed answer explanations challenge the student, while topical sets of Official Guide problems provide the opportunity for further growth. Used by itself or with other Manhattan GMAT Strategy Guides, the Critical Reasoning Guide will help students develop all the knowledge, skills, and strategic thinking necessary for success on the GMAT. Purchase of this book includes one year of access to Manhattan GMAT’s online computer-adaptive practice exams and Critical Reasoning Question Bank. All of Manhattan Prep’s GMAT Strategy Guides are aligned with both the 2015 Edition and 13th Edition GMAC Official Guide.

    With the assistance of a co-author, this popular student textbook has now been updated to include techniques such as membrane chromatography, aqueous phase partitioning, engineering recombinant proteins for purification and due to the rapid advances in bioinformatics/proteomics a discussion of the analysis of complex protein mixtures by 2D-electrophoresis and RPHPLC prior to sequencing by mass spectroscopy. Written with the student firmly in mind, no previous knowledge of biochemistry, and little of chemistry, is assumed. It is intended to provide an introduction to enzymology, and a balanced account of all the various theoretical and applied aspects of the subject which are likely to be included in a course.