The test is multiple choice and the other study guides take you through the 452 possible questions including all four answers for each question. But, three of the four answers are WRONG! You are reading 1,356 wrong answers and that is both confusing and frustrating. The Easy Way is a concise explanation of every question and answer focusing on the right answers. There are also hints and cheats help you remember the correct answer. Which would you rather study: right answers or over 250 pages with three-quarters of the answers wrong? Instructors: This book is perfect for review or weekend courses. Have the students read the narrative before class, then go over the concepts with them rather than slogging through all those wrong answers. You'll be done in no time and the students will be fully prepared to take their tests.

    Powerful, absorbing storytelling that is perfect for fans of saga by Dilly Court, Rosie Goodwin and Maggie Hope.

    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.

    No matter how much time he spends outside, it's never enough. Whether being thrashed by drill instructors at Parris Island or drenched by a squall in some high tundra, the same calming thought always prevailed: It’s good to be outside."Home is Forward" is much more than a collection of travel stories. As a prequel to "Where's the Next Shelter?" it answers the question of how someone can go from having a (somewhat) normal life to casting it all aside and wanting to go live in the woods. Hilarious, poetic and often thoughtful, "Home is Forward" is also a story about people. From ancient ruins to frozen volcanos, lessons are learned, friendships are forged, and on top of it all, love blooms. So if you yearn to visit far off lands, or simply love a well spun tale, you’re in the right place.

    

    The biggest investment you will ever make is towards your financial education - and this easy-to-read guide provides just that. It answers vital questions such as:- Where does money come from?- Why do prices go up every year?- How do I get out of debt?- Should I invest in the stock market?- What is the value of gold in our financial system?- How do I make my investment portfolio shock-proof?Practical, fun and straight to the point, Money Wise will equip you with the tools to manage your money with confidence and competence.

    It is our turn," writes Conrad Black in this scintillating manifesto for how Canada can achieve an exalted role in world affairs. For over 400 years we have toiled in the shadows of our potential and achieved an indifferent recognition among other nations. Chipper, patient, and courteous, we have pursued an improbable destiny as a splendid nation in the northern section of the new world, a demi-continent of relatively good and ably self-governing people, but most would agree we have neither developed a vivid national personality nor realized our true potential. Our main chance, writes Black, is now before us and it is not in the usual realms of military or economic dominance. With the rest of the West engaged in a sterile and platitudinous left-right tug of war, Canada has the opportunity to lead the advanced world to its next stage of development in the arts of government. By transforming itself into a controlled and sensible public policy laboratory, it can forge new solutions to the tiresome problems besetting welfare, education, health care, foreign policy, and other governmental sectors the world over, and make an enormous contribution to the welfare of mankind. Canada has no excuse not to lead in this field, argues Black, who offers nineteen visionary policy proposals of his own. "This is the destiny, and the vocation, Canada could have, not in the next century, but in the next five years of imaginative government.

    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.

    He did not claim he was God’s agent. Did he believe in God? Did he look for a sign when he was desperate? Did he follow the Divine Will? Many believers are not followers; many followers are not believers. Is he a believer or a follower or both?

    Minimalist Budget will help you to turn your bloated expenses into a well-toned budget, spending on exactly what you need and nothing else. This book presents solutions for two major problems in our consumer society: (1) how to downsize your cravings without having to sacrifice the fun stuff, and (2) how to whip your finances into shape and follow a personalized budget. This is not a get rich quick book. But I can promise day-by-day, month-by-month, you’ll budget better and become richer as a consequence. Regardless of how much your income is we’ll find a way to budget, save, and increase your net worth. Since my youth, I’ve had to live on a budget that ranged from $100 to $200 a month if I was lucky. Even though I never knew how much I would have the next month, I was always able to have enough for my essential expenses, personal pleasures, and savings. If you’re tired of the false and impossible-to-follow promises of “finance gurus,” try out my simple, straightforward, easy-to-stick-to methods. Improve your spending habits: • Incorporate minimalism into your finances • How to avoid becoming a minimalist consumerist • Learn the psychological traps that make you overspend • Control your compulsive spending habits Feel financially secure every day: • Learn about two A-Z budgeting methods and how to make them work for you • Learn ratio-based budgeting and fixed-amount budgeting • Discover the best budgeting software programs • Design a bulletproof savings strategy to get out of debt, be prepared for emergencies, and set yourself up for retirement Stop hating your financial life: • Learn how to set SMART financial goals • Increase your self-confidence with budgeting • 50 small budgeting tips Financial education is not part of our educational system. It is normal that we don’t know how to budget when we step into the craziness we call adulthood. But it is not normal to stay ignorant about a field of life that (like it or not) guarantees our material survival. Money management is an essential skill for everybody who earns, shops or consumes. If you follow the budgeting tips in this book, you’ll be able to keep track of your finances. You’ll clearly know where your money goes, where it comes from and where can you save. You won’t feel stressed of running out of money unexpectedly, you’ll clear yourself out of debts and have savings for bigger expenses like a vacation, new car or unexpected events. Leave money struggles for yesterday. Grab a copy of Minimalist Budget by hitting buy now in the top right corner of this page.

    Having covered the war in Iraq and moved to Mexico City with two babies in nappies, he and his wife Diana thought they understood something about the subject.But when they arrived in Sydney so that Cave could establish The New York Times's Australia Bureau, life near the ocean confronted them with new ideas and questions, at odds with their American mindset that risk was a matter of individual choices. Surf-lifesaving and Nippers showed that perhaps it could be managed together, by communities. And instead of being either eliminated or romanticised, it might instead be respected and even embraced.And so Cave set out to understand how our current attitude to risk developed - and why it's not necessarily good for us.Into the Rip is partly the story of this New York family learning to live better by living with the sea and it is partly the story of how humans manage the idea of risk. Interviewing experts and everyday heroes, Cave asks critical questions like: Is safety overrated? Why do we miscalculate risk so often and how can we improve? Is it selfish to take risks or can more exposure make for stronger families, citizens and nations? And how do we factor in legitimate fears and major disasters like Cave has covered in his time here: the Black Summer fires; the Christchurch massacre; and, of course, Covid?The result is Grit meets Phosphorescence and Any Ordinary Day - a book that will change the way you and your family think about facing the world's hazards.

    

    Together, they are building forever. Alexis Black persevered through her mother’s death and her father’s imprisonment. And after escaping a long and abusive relationship, the college junior promised her foster parents not to date for at least a year. But when she meets an incoming freshman on the first day of their scholarship program, she feels the world melt away, as though it were only the two of them in the room. Justin Black lived in abandoned houses before going through the child welfare system. But when he grabs the chance for better opportunities by pursuing higher education, he can’t help but be drawn to a beautiful third-year student. Recognizing a fellow survivor, he cherishes the ease of their deep conversations and her wonderful moments of raw vulnerability that makes him fall hard. In a stark and wholehearted true story that shares how two individuals on separate paths found each other, Alexis and Justin merge their course into one full of hope and purpose. And hand-in-hand, they learn to communicate effectively and avoid patterns of trauma to intentionally break the cycle of unhealthy behaviors. Written in an engaging novelistic style, the authors put forward a thoughtful exchange of ideas and personal experiences illustrating how anybody, no matter their backgrounds, can have a life of self-empowerment and joy. Broken down into four sections that cover crucial topics such as “Worthiness” and “Mental Health,” this compelling narrative will help any who are learning to love themselves and want to end the line of toxic relationships. Redefining Normal: How Two Foster Kids Beat The Odds and Discovering Healing, Happiness, and Love is a page-turning memoir that will open your eyes to possibilities and dreams. If you like honest tales of triumph, refreshing transparency, and resilient faith in God, then you’ll adore Justin Black and Alexis Black’s inspirational autobiography. This story contains mentions of domestic violence, trauma, sexual assault, and other difficult issues faced on the road to healing.

    Guns are drawn, and in the ensuing hail of bullets, only the husband walks away. However, police soon find out, that what seems to be a robbery gone wrong is anything but. The Case of the Ragged Stranger, as the tabloids dubbed it, is a tale of deceit, betrayal, and depravity, a stranger-than-fiction mystery story whose shocking solution riveted the nation and made it one of the most sensational crimes of the Jazz Age.