Never started a 401k or IRA? Don’t worry. And are you so far behind in your personal finances you’re worried you’ll never be able to retire? It’s all good. Because whether you know it or not, the entire US retirement system is horribly flawed and was doomed to fail anyway. And that’s why every American needs to read “Poor Richard’s Retirement.” “Poor Richard’s Retirement” is a revolutionary retirement system because, unlike today’s conventional retirement planning, it works. It puts retirement easily within the reach of your everyday man. Whether you have student loans, a mortgage, are behind in your retirement planning, or have no retirement savings at all, “Poor Richard’s Retirement” bypasses it all by showing you how little you truly need to retire. And it does so through the simple truth that happiness is not found in $400 yoga pants, luxury SUV’s, McMansions, or whatever lies they’re selling you on TV, but through love of family, friends, and your fellow man. All of which are free. Make retirement infinitely easier and life happier. Buy “Poor Richard’s Retirement” today. Nobody in America has saved enough for retirement…until now.

    The book talks about in-demand online skills and the different paths one can take to become an expert in these fields. A stable income from freelancing in college was the bedrock that had allowed the authors to explore their ambitions further and get to where they are today. In the process, they've worked with many of their own batch mates, colleagues and friends to help them set up highly successful freelance careers. The author duo decided to detail their story of what worked for them and how anyone in the country could thrive without being tied down to a full-time job. The authors feel the timing of the book is perfect because of the growing freelance economy and growing aspirations among millennials to find a job they love and not just something that pays their bills.

     What You Will Learn Through easy-to-understand examples and practical tips, Nathan will show you how anyone can achieve financial independence and investment success through dividend investing. In these pages, you'll discover: Why traditional investment strategies fail. The most dangerous investment strategy out there right now (and how to avoid it). How to dramatically improve your investment results while taking less risk. How to outperform most "passive index" strategies. How to practically guarantee a positive investment return over the long-term. Why dividends are the safest, most consistent, and common sense way to build wealth. What dividends are and where they come from. How dividends can replace your paycheck in retirement. Who Should Read It This book is for anyone who wants to build wealth and improve their investment returns. It’s not complicated. There are no fancy formulas or Wall Street mumbo jumbo. Beginning investors who just want to better understand how to make money investing in stocks. Experienced investors who have been burned by other investment strategies. Anyone who is afraid to lose money investing in the stock market. Those nearing retirement who wants to generate passive, consistent, and growing income. Retired people who are tired of getting 1% returns in their checking accounts and 3% (or less) from bond funds. Anyone considering buying an annuity. Who Should NOT Read It Those looking for “get-rich-quick” investing strategies. This strategy is about consistently and predictably growing your wealth over long time periods (20+ years). This book is targeted to people with little-to-no experience with dividend investing or investing in general. If you have a lot of experience with dividend investing, there probably isn’t much here for you. Annuity salespeople. If you want to sell an annuity, don’t read this book. And definitely don’t let your potential victims (errr… “clients”) read it. Testimonials "The book is well written and understandable for anyone with even minimal investing experience." -JCS "One of the best books on dividend growth investing. I wish I had known about this 10 years ago as I compared my tax-free bonds versus dividend growth investing would have doubled my portfolio if I had followed his books advice." -David "An investment strategy that makes sense. The book is short and to the point. Reading it will be time well spent." "I'm already employing the strategy in my own investments, but this book gave me a lot of confidence that I'm absolutely doing the right thing. It is short, but there's every bit as much content as a much longer book.

    

    From that period, the regulations adopted by the Grand Lodge of England ceased to have any binding efficacy over the craft in this country, while the laws passed by the American Grand Lodges lost the character of general regulations, and were invested only with local authority in their several jurisdictions.Before concluding this introductory section, it may be deemed necessary that something should be said of the "Ancient Landmarks of the Order," to which reference is so often made.Various definitions have been given of the landmarks. Some suppose them to be constituted of all the rules and regulations which were in existence anterior to the revival of Masonry in 1717, and which were confirmed and adopted by the Grand Lodge of England at that time. Others, more stringent in their definition, restrict them to the modes of recognition in use among the fraternity. I am disposed to adopt a middle course, and to define the Landmarks of Masonry to be, all those usages and customs of the craft--whether ritual or legislative--whether they relate to forms and ceremonies, or to the organization of the society--which have existed from time immemorial, and the alteration or abolition of which would materially affect the distinctive character of the institution or destroy its identity. Thus, for example, among the legislative landmarks, I would enumerate the office of Grand Master as the presiding officer over the craft, and among the ritual landmarks, the legend of the third degree. But the laws, enacted from time to time by Grand Lodges for their local government, no matter how old they may be, do not constitute landmarks, and may, at any time, be altered or expunged, since the 39th regulation declares expressly that "every annual Grand Lodge has an inherent power and authority to make new regulations or to alter these (viz., the thirty-nine articles) for the real benefit of this ancient fraternity, provided always that the old landmarks be carefully preserved." Download The Principles Of Masonic Law Now!

    to LondonOCothe professional dancer's extraordinaryajourney to the glitzy world of ballroomWith his slick moves, calm demeanor, and brooding good looks, Pasha Kovalev has becomeaa senation as a popular dancer. His talent and determination have taken him around the world, but as he shares here, it was the stark, grey landscape of his Siberian hometown, still reeling from the Communist regime, which provided the unlikely inspiration for his early love of ballroom dancing. With a strongadesire to succeed, he moved to theaU.S. in 2001awith his professional dance partner Anya Garnis and settled in Fort Lee, New Jersey.aHe auditioned for seasonathree of "So You Think You Can Dance "in 2007, amoved to L.A. in 2008, aand heahas since participated in all following seasons as either a choreographer or an All Star. Froma2009-2011ahe joined the cast of Jason Gilkison's production "Burn the Floor," one of the leading ballroom based shows in the world, during its stint on Broadway. In September 2011, Pasha joined the BBC's "Strictly Come Dancing" as the new professional dancer of the ninth season, abeing partnered in the 10th season with Girls Aloud star Kimberley Walsh. He speaks candidly in this heartwarming autobiography, on topics from romance to body image to the illness that nearly killed him. Most of all, he gives readers a glimpse behind the scenes of the flashy world of ballroom, and what really goes on beneath the veneer of sparkles and glamour."

    Covering everything from adventure, war, murder and slavery to espionage, including the stories of the real war horse, who killed Rasputin, Agatha Christie's greatest mystery and Hitler's English girlfriend, these tales deserve to be told.

    Molinsky and Bill Bliss, is a dynamic, all-skills program that integrates conversation practice, reading, writing, and listening -- all in a light-hearted, fun, and easy-to-use format that has been embraced by students and teachers worldwide. This four-level program promotes native communication between students ... practicing speaking together "side by side." Features of the Third Edition Vocabulary Preview sections in every chapter introduce key words in a lively picture dictionary format. "How to Say It " lessons highlight communication strategies. Pronunciation exercises provide models for practicing authentic pronunciation, stress, and intonation. "Side by Side Gazette" "magazine-style" pages offer feature articles, fact files, vocabulary expansion, cross-cultural topics through photos, authentic listening activities, e-mail exchanges, and humorous cartoons for role-playing. All-new illustrations are lively, light-hearted, and richly detailed to offer students language practice that is contextualized and fun. The core components include Student Books, Teacher's Guides, Activity Workbooks, Activity & Test Prep Workbooks, Communication Games and Activity Masters, audio programs, combined split editions (Student Book and Workbook lessons combined), a testing program, and picture cards.

    Whether you are a real-time trader, swing trader, position trader, or investor, you will find great value in this book, regardless of the markets you trade or your level of experience. Frank Ochoa has analyzed the market every day over the past 12 years and has cultivated the techniques in this book into a fine art using the best leading indicators available to traders. The concepts in this book will help you become a more knowledgeable and confident trader. Professional traders use tools that are based purely on price, which is a leading indicator in its own class. In this book, we will discover the best leading indicators available to traders, including the Money Zone, Floor Pivots, and the Camarilla Equation. While you may have studied forms of pivots in the past, Frank Ochoa provides a fresh perspective that can only be described as a truly unique approach to playing these amazing levels for profit. You'll learn powerful concepts like Two-Day Pivot Relationships, Pivot Width Forecasting, Pivot Trend Analysis, and Multiple Pivot Hot Zones. Not only will you learn about incredible pivot relationships, but Frank will also divulge his best trading secrets, including Powerful Candlestick Setups, the Types of Trading Days, the Types of Buyers and Sellers, Powerful Setups, and Proprietary Indicators. Taking this a step farther, Frank also provides the actual code to each of the scripts that he's written and covered in the book! Secrets of a Pivot Boss brings a fresh approach to these powerful concepts that you will not find anywhere else.

     This book explains how the test works, what the examiner wants to hear, and gives you strategies to organise your answers rapidly and effectively. It has many model answers from candidates speaking at Band 9 level, so that you can see what is possible. It has activities for you to practise our speaking strategies and compare to the Band 9 examples, including 2 complete model speaking tests for you to use. Even if your English is not perfect, you can transform your IELTS Band score by using the methods in this book. ABOUT THE AUTHORS: Cambridge IELTS Consultants are a team of IELTS trainers and past examiners based in Cambridge, United Kingdom. They have many years experience of preparing students for IELTS at University level, assessing the speaking tests and developing course books to guide candidates through the Cambridge IELTS process. They really are the experts!

    

    With 12 chapters and 1,244 practice problems, students can build fundamental skills in math and verbal through targeted practice. Plus, through easy-to-follow explanations and step-by-step applications, each question will help students cement their understanding of those concepts tested on the GRE. Purchase of this book includes access to additional online resources.

     During a single historic weekend (September 12-14, 2008) the fate of Lehman Brothers was sealed, Merrill Lynch barely survived, and AIG became a ward of the federal government. Top CNBC anchor Maria Bartiromo spent the entire weekend taking frantic phone calls from the most powerful players on Wall Street and in Washington, as they toiled to keep the economy from complete collapse. Those CEOs and dozens of other sources gave Bartiromo behind-the-scenes details unavailable to other members of the media, of the crisis and its aftermath. Now she draws on her high-level network to provide an eyewitness account of the biggest events of the financial crisis including at length interviews with former treasury secretary Henry Paulson, former AIG chairman Hank Greenberg, former Merrill Lynch CEO John Thain, and JP Morgan CEO Jamie Dimon, among many others. Writing with both authority and dramatic flair, Bartiromo weaves a thrilling narrative that will make news. She also tackles the big questions: how did an unmatched period of market euphoria and growth turn sour, catapulting the economy into a dangerous slide? And in the long run, how will the near-catastrophe really change Wall Street?

    There was a time when the stock market was a mechanism for growing businesses to raise money, playing a large role in the industrial revolution-boosting America to a global superpower. Today the stock market has morphed into a high-tech system of fluctuating arbitrary numbers which are used by individuals and industries alike to find profit opportunities by placing bets, masqueraded as sophisticated financial maneuvers with fancy labels and acronyms. Nowhere is this more evident than with the tendencies observed today. There is a shocking trend by today's Millennial generation to shamelessly and unapologetically find ways to use the stock market to place very high-risk bets. And unlike formal Wall Street investment institutions, these gamblers, of sorts, don't attempt to disguise the game: they are proud to call Wall Street a casino. Jaime Rogozinski combs through various elements of how reckless investors play Wall Street similar to a casino. He illustrates these often in playful ways, using entertaining and compelling real-world anecdotes. His stories are taken straight from Reddit's r/wallstreetbets community which Jaime founded in 2012, and currently has more than 800,000 followers in addition to 3 million unique visitors a month. WallStreetBets is a forum based gathering where people are notoriously known for taking a brazen and public approach at gambling with the stock market.

    “I work hard, I deserve this.” “I bought it on sale.” But at twenty-two, the recent college graduate was $18,000 in debt and sinking fast. It was time to take control. Patrice educated herself about finance, adopted a new attitude toward money, and most importantly, adjusted her spending habits. By twenty-five she was debt free—and used the wisdom she gained to start her own successful real estate and mortgage brokerage—and by twenty-nine started her own financial counseling business.Patrice’s former bad spending habits aren’t unique, and women find themselves in financial hot water for a host of reasons. Women earn less than men and have to stretch those hard-earned dollars further. They contribute more to caregiving and aging parents, live longer, and many—including most African American women—are choosing to stay single.Real Money Answers for Every Woman teaches you how to take responsibility for your financial future, whether you’re just starting out or need a fresh start. In a handy Q & A format, it offers relatable and easy to understand and implement advice on everything from managing credit cards, home ownership, and student loans to affordable childcare and even negotiating for a higher salary. Following Patrice’s practical advice, you’ll learn to form “wealthy” habits, establish an “opportunity fund,” stop collecting STUFF that causes debt, and discover the freedom that comes from feeling financially secure.