Billions in sales. But, unlike Tesco or BP, few have heard of it. The Cartel is Britain’s biggest drugs organisation, a shadowy network stretching from the freezing, fog-banks of the Mersey to the glittering marinas of Marbella, from the coffee shops of Amsterdam to the trading floors of Canary Wharf. Run by godfathers as rich as Branson but kept in line by a new generation of teenage killers. Here is the inside story.

    Money Wise shows you the way. It cuts through the clutter of jargon and technical terms, leading you step by step on how to grow wealthy. In it, you will learn: Ways of allocating your income The only mutual funds hack worth knowing Why you should be watching not what Warren Buffett says but what he does Written in Shenoy’s trademark style, Money Wise is a book as much fun to read as it is informative. If you want to start investing, this is the book for you. If you have already started, then read this and up your game.

    And how do you do that? By learning to Push in the Orangetheory Fitness workout. By doing so, you also learn to do the same in your life - to take on new challenges, to pursue your biggest goals, and to become the best version of you.What makes Orangetheory different from every workout you’ve tried? Why is it one of the fastest-growing fitness franchises today? And how can it change your life? In Push, you’ll learn the amazing story behind Orangetheory, the journey Ellen Latham took to create it, and how to apply the elements of Base, Push, and All Out from the workout studio to your own life.

    This includes further education, adult and community learning, work-based learning, the forces and offender learning and skills. It is easy to read with plenty of practical activities and examples throughout and the content is fully linked to the Teacher Training Standards. Please note: This book has since been updated to reflect the new title of the qualification: The Award in Education and Training.The qualification unit content contained in the appendices has since changed, and some legislation mentioned in the book has been updated.

    In Burn Your Mortgage, Cooper’s extreme achievement is made accessible as the acclaimed personal finance expert shares the secret to his success: simple yet effective lifestyle changes that anyone—from new buyers to experienced homeowners—can make to pay down their mortgage sooner. Burn Your Mortgage combines inspiring anecdotes with realistic and jargon-free financial tips and resources for achieving financial freedom no matter your financial situation. This easy-to-follow guide will help you pay off your mortgage at your own pace and show you how to live well while doing it. Tools include: - Simple ways to pay down your mortgage sooner; - Your very own mortgage-free action plan; - Sample budgets and savings plans; - Tools for tracking income and expenses; - Home-buying blueprints; - Worksheets for financial empowerment; - Up-to-date information on bank accounts, mortgage contracts, investing, and loans—and how to choose the best options for you; - Tips for overcoming bad money habits. Inspiring, insightful and fun, Burn Your Mortgage will transform the way you think about money and debt on your path to independent home ownership. Sean Cooper is an in-demand speaker, money coach, and personal finance journalist. His articles have been featured in publications such as the Toronto Star, Globe and Mail, Financial Post, and MoneySense. Advance praise for Burn Your Mortgage: “Sean’s personal journey to financial freedom is a brave and inspiring one, and I am delighted to see him share his learning with the world. Burn Your Mortgage offers practical, clear and useful insights to help people of all walks of life live healthier financial lives. I am convinced that Burn Your Mortgage is set to be a pivotal guidebook to achieving financial freedom.” —Peter Aceto, President and CEO, Tangerine “A home is the largest purchase most people make, yet there is little information to help them make smart choices. Most advice comes from banks, mortgage brokers, real estate agents, lawyers and home inspectors—not exactly objective. I’m glad to see Sean Cooper use his experience as home buyer, mortgage burner, landlord and freelance writer to guide others through the steps to take to come out ahead in the real estate game.” —Ellen Roseman, Toronto Star columnist, University of Toronto continuing education instructor and Canadian MoneySaver contributor “A clear and concise plan for millennials looking for a path to financial independence early in their career.” —Don R. Campbell, bestselling author of Real Estate Investing in Canada, frequent guest on the Business News Network “Chock-full of actionable tips based on real life experience, Sean Cooper’s Burn Your Mortgage is a valuable resource for anyone considering buying a home in Canada. In more than just another mortgage manual, Sean writes passionately about the pitfalls to avoid during the house-buying process and then, with equal passion, shows you how to achieve an important step toward financial freedom by paying off your mortgage as quickly as possible.” —Robert R. Brown, author of Wealthing Like Rabbits: An Original Introduction to Personal Finance, and MoneySense columnist “Burn Your Mortgage will push you just outside your comfort zone—which is exactly what you need to really make progress on your mortgage. Sean Cooper walks the talk. His obsession with frugal living provides a ton of great lessons on how to get ahead financially.

    

    No matter how much cash or experience you currently have, this book will take you on a journey through buying your first multifamily investment property and give you a framework for turning that into long-term financial freedom. Millionaires are created every day—isn’t it time you joined the ranks? It won’t happen overnight and it won’t always be easy, but The Multifamily Millionaire series will make sure it happens sooner than you ever thought possible! Inside this book, you’ll discover:• How to create a million-dollar net worth in five years using the stack method • The seven different types of small multifamily real estate and which make the best rental properties• How to quickly and accurately analyze your investment, whether its two units or twenty units • Three creative no and low money down strategies that work in any market• A game-changing algorithm for estimating your ongoing repair and reserve expenses • The powerful Multifamily Millionaire Model that illustrates how a million dollars can be created from one single deal• Six off-market acquisition strategies to help you land incredible deals, even in a competitive market• How the BRRRR strategy can help you supercharge your small multifamily portfolio• Detailed instructions for managing your growing portfolio (hint: find five-star tenants!)• And so much more

    

    

    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.

    HERE’S HOW Are you struggling to find marketing ideas for your small business? Does your business plan consist of a few scribbles on the back of a napkin? Does the thought of learning “online marketing” scare you? Do you find traditional business books dull, or uninspiring? Have you read business biographies of the poster boys (Richard Branson, Bill Gates, Warren Buffett, Alan Sugar, Elon Musk, Steve Jobs etc), only to feel a sense of overwhelm, and a complete disconnect between what they achieved, and where you are right now? Do you want to grow your small business, without having to learn complex marketing strategies, and without being told to simply “work harder than everyone else”? If so, then “Big Ideas... for Small Businesses” could be the “lightbulb moment” you’ve been waiting for... Former civil servant John Lamerton has run more than 60 small businesses since 2000, making millions of pounds, and thousands of mistakes along the way. This book is a collection of the lessons and successes that he uses to coach and mentor hundreds of small business owners, teaching them to think bigger, work less, and design their business around the lifestyle they want. SOME OF THE “BIG IDEAS” THAT YOU WILL DISCOVER: - Why the “Dragons” hate lifestyle businesses, and why you should love them - How almost anyone could become a millionaire in their lifetime, given just £200 a month. - Why John blames Richard Branson for his early failures - How to get clarity on your business strategy, and bring that into your daily routine. - How to sell a dozen eggs for over £500 - The ONE thing that truly transformed John’s business - How to find, hire, (and fire!) your first employee. - Why every Luke Skywalker needs a Yoda. - EXACTLY how he made over £100k from ONE marketing campaign. - The five magic ingredients for success in almost any given field. JOHN LAMERTON is a lazy entrepreneur and investor. He balances running an ambitious lifestyle business with raising two young children. A former “hustler”, he now earns more money “working” 20 to 25 hours a week than he used to pulling all-nighters and “grinding” for 100+ hours per week. He now mentors fellow ambitious lifestyle business owners, teaching them how to design their business around their lifestyle.

    Account of the Philippine Revolution against Spain, and the Philippine-American War from the Filipino general and independence leader.

    Whether you were maturely young or immaturely old or a little bit of both, this book was written for you to understand that it is never too soon or too late to start your journey towards success.This is for the child you once were - when you believed everything was possible and nothing was out of reach; may this book be a leading factor in that child's rebirth.

    As a result, many people are left with an incomplete understanding of this transformative new technology and its massive implications for the future. The goal of this book is not to plumb the depths of the mathematical wizardry used to code blockchain-based applications, but rather to serve as an introduction to the broader architecture and conceptual background behind blockchain technology. We will take a practical approach, examining how Blockchains are used in the real world. In this short, concise guide you will learn: A Brief History of Blockchain Technology Blockchain Basics: Managing Digital Transactions What is a Distributed Ledger? Blockchain Beyond Bitcoin Implications Of Blockchain: Big Data, Privacy & Personal Data Profiting from Blockchain Technologies Limitations & Challenges of Blockchain The Future of Blockchain For Centuries, people have relied on corrupt Centralized Institutions like banks and Governments to serve as intermediaries when it comes to storing and transacting financial assets. This is ALL About To Change... Make sure you take action and join the Financial Revolution by reading this book!

    It is also a crucial discipline to help you get the most out of in-person events such as conferences and networking opportunities where the key to a successful outcome often lies in your personal brand standing out.Given the explosion in use of digital and social media over the past few years, the internet has presented professionals with a magnificent opportunity to help their expertise become more discoverable, sharable and memorable through their personal brands.Personal Branding Benefits Your Business by:Establishing Credibility & Thought LeadershipGrowing Your NetworkAttracting New OpportunitiesIncreasing SalesHelping You Reach Your Business GoalsWho is this book for?CEOs, Executives, and Business Owners who want to position themselves as industry thought leaders and stand out from the competition.Individual Contributors & Academics who want to get ahead in their careers and want to understand how to have their expertise and experience be more discoverable.HR & Training Managers who want to understand personal branding to help train employees on social media branding and social selling.PR Agencies & Exec Comms Managers who need inspiration and training on personal branding strategies for their clients, CEOs, or themselves.About Mel CarsonMel Carson is Founder of Delightful Communications and former Digital Marketing Evangelist at Microsoft. He speaks and writes about personal branding at conferences and for publications all over the world. He previously co-wrote Pioneers of Digital: Success Stories from Leaders in Advertising, Marketing, Search and Social and has had his wisdom featured in Forbes, Fast Company, GQ, QZ.com, USA Today and he regularly writes as a business columnist for Entrepreneur.com.For more on Mel Carson visit http://www.MelCarson.com and http://www.DelightfulCommunications.com