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.

    Countless citizens believe all police are racists.In this era of civil unrest and political divide, how do Black cops—or any cops—maintain the motivation and commitment to do their job? Former Tucson police officer—Brandon Tatum,shares his story and the stories of other police officers in the pages of his new book, Beaten Black and Blue.Read why they joined the force, what it’s really like on the streets, and how they continue to fight the good fight.Forget what you think you know and learn the truth!

    Based on exclusive interviews and never-before-published material, Leading from Behind investigates the secret world of the West Wing and the combative personalities that shape historic events.Contrary to the White House narrative, which aims to define Obama as a visionary leader, Leading from Behind reveals a president who is indecisive, moody, and often paralyzed by competing political considerations. Many victories—as well as several significant failures—during the Obama presidency are revealed to be the work of strong women, who led when the president did not: then-Speaker Nancy Pelosi; Secretary of State Hillary Clinton; and Valerie Jarrett, his closest adviser and an Obama family confidante, whose unusual degree of influence has been a source of conflict with veteran political insiders.In Leading from Behind, you will learn:· Why Obama's relationship with Israel was poisoned years before he met Israel's prime minister Benjamin Netanyahu· The real reason for Valerie Jarrett's strong hold over both Barack and Michelle Obama· ObamaCare wasn't Obama's idea. It was House Speaker Nancy Pelosi's. And the real reason he danced to her tune.· Obama delayed and canceled the mission to kill Osama bin Laden three times and then committed an intelligence blunder that allowed dozens of high-level members of al Qaeda to escape.· Why Obama destroyed a secret budget deal with House Speaker John Boehner that would have reformed entitlements, slashed spending, and reduced the national debt—without raising taxes· Why Obama is determined to save Attorney General Eric Holder, even though he has mislead and stonewalled Congress about "Operation: Fast and Furious"· Why Obama decided to defy the Tea Party and ditch his plans to end earmarksIn Leading from Behind, Richard Miniter's provocative research offers a dramatic, thoroughly sourced account of President Obama's White House during a time of intense domestic controversy and international turmoil.

    

    

    No matter how big the problem is that you are facing, with this book you will be sure to find a solution. So, let’s not waste any more time! Let’s get you the tips you need to start energizing your mornings right now! Learn 11 Tips That Will Help You Achieve Massive Results Helping You To Find The Motivation You Need To Wake Up Early When Should You Get Up? The Importance of Sleep The Art Of Waking Up Early Tips To Rising Early The Importance Of Creating A Night Time Routine 5 AM is simply a magical time to wake up and begin your day. You will achieve mental clarity and simply get things done. There will be no distractions from your phone, social media or even friends and family - everyone is sleeping. >> Download This Book Today <<Tags: Morning Ritual, Morning Routine, Morning Habits, Peak Productivity, Time Management, Happiness, Productivity

    Should he have been committed in the first place? Would he ever get out, or was he destined to be just another statistic...out of sight, out of mind?A highly personal story, poignant and occasionally disturbing, INSANE, BUT NOT DAFT also serves as an invaluable record...an unofficial account, but nonetheless thought-provoking.

    Imagine asking the dead to rise and they rise instantly. Imagine asking sickness to go and it goes instantly. Imagine asking your business to flourish and it flourishes effortlessly Imagine asking your finances to improve and it improves. Stop Imagining and apply the principles, revelations and keys in this book that will open up a whole new experience of God to you. God's wisdom is in His word and those who discover and apply it experience heaven on earth. Click Buy and enjoy this masterpiece.

    Jerry Kroth's 50th anniversary edition presents the single, most plausible theory of the assassination. It is based on the admissions of grassy knoll gunman, James Files, the deathbed confession of CIA spymaster, E. Howard Hunt, and the most recent scholarship to appear in the last decade. Based also in part on his earlier work, Conspiracy in Camelot, Dr. Kroth proposes that Lyndon Johnson, the CIA, and Mafia, acting in concert, carried one of the greatest crimes in American history. Published by Genotype, Coup d'etat (2013) is a concise, well-documented expose of a brazen overthrow of the United States government by force of arms on November 22, 1963. Reviews (from the publisher)Coup d’etat is the definitive book on the Kennedy assassination! It should be required reading in every American high school.—Marvin Forrest, Ph.D.,Psychotherapist, Santa BarbaraDr. Kroth cuts to the heart of the matter laying out a hard to dispute argument for what actually happened that distant half century ago when everything changed for all of us. At a time when apologists have seemed to dominate the trend in regarding Kennedy assassination publishing, it is important to swing the pendulum back toward the rational conclusion that something was deliberately taken from us, the course of our future was compromised, and it was those we most trusted, not a crazed outlier, who engineered it all. This is a very important book and a must read for those of us who care.—Steve Stelle, author of On shaky ground. Coup d'etat, is a must-read for those of us who were of voting age during those turbulent times at the end of Camelot and who recall the strange goings on of the Warren Commission Hearings.  There were so many loose ends that have never been woven into a concise and believable explanation until now.—David Hall, author of The Rose

    Her classic bestseller, Making the Most of Your Money, guided a generation toward smart and sensible financial choices. Here she strips away the extras, choosing the best financial ideas and products available today. They're all you need to create a successful and long-lasting financial plan. It's money management the No Worry way. To start with, she tells you to forget all the complicated stuff the financial industry sells. You don't need it, it costs too much, and some of it is downright bad. It's designed to make the banks, brokers, and insurance companies rich, not you. The best ideas (a super-short list!) are simple, low in cost, and easy to use. They're also sophisticated and smart. The strategies shown here are followed by some of the most successful planners and money managers around today, yet they're something everyone can understand. They'll give you what you need from your money -- regular savings, financial security, long-term investment growth, personal control, and best of all, peace of mind. Once you've set up a No Worry plan, you won't have to pay much attention to it. The choices you'll find here are all good ones. All you have to do is arrange for automatic payments and contributions and then get on with the rest of your busy life. You can focus your energies on your job, family, leisure, and friends, secure in the knowledge that your finances are okay. Here's what you'll do on the No Worry plan: Save more money without feeling pinchedGet rid of debt the automatic wayKeep yourself safe, with the right amount of insurance at the lowest costZero in on the right mortgage, every timePick the best college savings plan for your kidsUnderstand your finances, in ways you never did beforeFind the smartest and simplest ways of investing money, to earn superior returns over the long run The investment ideas alone will open your eyes to the newest strategies for accumulating wealth (without making big mistakes!). Jane Bryant Quinn will change the way you think about money. She has the answers busy people need.

    In this biography, the author examines Boris' Turkish ancestry, his relationship with his father, his first failed venture into politics, his editorship of the Spectator during the David Blunkett affair and the Liverpool fiasco.

    And from the Deepwater Horizon oil disaster to Hurricane Katrina, he’s shown an astounding ability to beat the odds (and beat the bureaucrats) to get things done.Then again, Jindal is not your typical politician. The son of Indian immigrants, a Christian convert from Hinduism, and a Rhodes Scholar, Jindal presided over Louisiana’s healthcare system at age 24, headed the University of Louisiana system at 27, became a U.S. congressman at 33, and was elected governor of Louisiana at 36.Throughout his meteoric career, Jindal has dealt with some of the worst crises of our times, from natural disasters in his home state to out-of-control spending in Washington, D.C. His secret: the common sense solutions that bureaucrats (and politicians) ignore in favor of government–as–usual.In Leadership and Crisis, Jindal reveals: How the Obama administration spent too much time worrying about public perception and not enough on actually fighting the oil How the federal government actually impeded Louisiana’s efforts to stem the flood of oil Why the bureaucratic incompetence during Hurricane Katrina was even worse than you know How Bobby Jindal took on Louisiana’s infamous culture of corruption His own journey from Hinduism to Christianity, from student at Oxford to Governor of Louisiana, from policy wonk to instant midwife when he had to deliver his third child himself Filled with behind–the–scenes stories from the oil–slicked beaches of Louisiana to the corridors of power in the U.S. Capitol, Leadership and Crisis offers an insider’s view into one of the worst environmental disasters our nation has suffered—and into one of the most unique success stories of American politics.

    Pipe Dreams" traces Enron's astounding transformation from a small regional gas pipeline company into an energy Goliath--and then tracks step-by-step, business decision by business decision, extramarital affair by extramarital affair, how, when and why the culture of Enron began to go rotten, and who was responsible.

    Now New York Times bestselling author Arthur C. Brooks offers a bold new vision for conservatism as a movement for happiness, unity, and social justice—a movement of the head and heart that boldly challenges the liberal monopoly on "fairness" and "compassion."Many Americans today see two dispiriting political choices: ineffective compassion on one side and heartless pragmatism on the other. Progressives have always presented themselves as champions of the poor and vulnerable. But they have not succeeded—more and more people are hopeless and dependent on government. Meanwhile, conservatives possess the best solutions to the problems of poverty and declining mobility. Yet because they don't speak in a way that reflects their concern and compassion, many Americans don't trust them. Americans know that outmoded redistribution yields poor results and does little for the pursuit of happiness. But there seems to be no conservative alternative that looks out for those struggling to get by.Arthur Brooks, one of the country's leading policy experts and the president of the American Enterprise Institute, has considered these issues for decades. Drawing on years of research on the sources of happiness and the conditions of human flourishing, Brooks presents a social justice agenda for a New Right. Proposing a set of practical policies firmly grounded in the four "institutions of meaning"—family, faith, community, and meaningful work—Brooks describes a government safety net that actually lifts people up, and offers a vision of true hope through earned success.Brooks argues that it is time for a new kind of conservatism, one that fights poverty, promotes equal opportunity, and extols spiritual enlightenment. It is an inclusive, optimistic movement with a positive agenda to help people lead happier and more fulfilling lives.Clear, well-reasoned, accessible, and free of vituperative politics, The Conservative Heart is a welcome new strategy for conservatives looking for fresh, actionable ideas—and for politically independent citizens who believe that neither side is adequately addressing their needs or concerns.

    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