Unfortunately, much of the advice that is dispensed is either unsubstantiated or betrays a strong vested interest. In The Essential Retirement Guide, Frederick Vettese analyses the most fundamental questions of retirement planning and offers some startling insights. The book finds, for example that:Saving 10 percent a year is not a bad rule of thumb if you could follow it, but there will be times when you cannot do so and it might not even be advisable to try. Most people never spend more than 50 percent of their gross income on themselves before retirement; hence their retirement income target is usually much less than 70 percent. Interest rates will almost certainly stay low for the next 20 years, which will affect how much you need to save. Even in this low-interest environment, you can withdraw 5 percent or more of your retirement savings each year in retirement without running out of money. Your spending in retirement will almost certainly decline at a certain age so you may not need to save quite as much as you think. As people reach the later stages of retirement, they become less capable of managing their finances, even though they grow more confident of their ability to do so! Plan for this before it is too late. Annuities have become very expensive, but they still make sense for a host of reasons. In addition, The Essential Retirement Guide shows how you can estimate your own lifespan and helps you to understand the financial implications of long-term care. Most importantly, it reveals how you can calculate your personal wealth target - the amount of money you will need by the time you retire to live comfortably. The author uses his actuarial expertise to substantiate his findings but does so in a jargon-free way.

    This is a classic timeless collection of advice and teachings about the importance of love and compassion, individual responsibility and awareness of the problems in everyday life. Whoever you are, whatever your beliefs, the Dalai Lama’s words have the power to calm and inspire.

    Regularly priced at $4.99. Read on your PC, Mac, smart phone, tablet or Kindle device. Vipassana is not a belief system, religion, or a philosophy. Though Buddhist in origin, it isn’t dependent on Buddhism, and you certainly don’t have to be a Buddhist to practice Vipassana. Vipassana is a form of meditation, or a mental exercise, if you will, that has the capacity to do absolute wonders in your life. It’s a fantastic way to relieve stress, anxiety, depression, reduce blood pressure, end drug dependency, and help with pain management – greatly minimizing the need for medication. It’s also effective in dealing with anger management issues, post traumatic stress, and hormonal changes. The list doesn’t end there. It’s proven to increase productivity in the workplace, heighten memory, concentration, and focus, and helps those with cognitive difficulties. And best of all? It requires absolutely no investment or special equipment. It’s free! This book will delve into Vipassana, explaining everything you need to know to practice Vipassana regularly (and successfully) in your life so that you can reap all its benefits, most especially ridding yourself of stress and anxiety, instead living with happiness, peace, and joy. Here Is A Preview Of What You'll Learn... What is Vipassana? Preliminary Preparations Sitting Vipassana (the First Exercise) Labelling Observing Motion Observing Sensation If You ABSOLUTELY Have to Move A Few Warnings Active Vipassana Much, much more! Download your copy today! Tags: vipassana, mindfulness, meditation, vipassana meditation, dhamma, dharma, mindfulness exercises, mindfulness training, vipassana yoga, vipassana meditation technique, Buddhism, vipassana buddhism, vipassana goenka, vipassana mindfulness, meditation, buddhist

    Get swept back to a time when sheriffs did their best to keep order in a lawless land. Read about the likes of Tom Horn, the “Apache Kid,” “Bucky” O’Neill, Tom Nickson, and many more!  Famous Sheriffs and Western Outlaws is a classic for everyone interested in history and what is was like in the Old West. The detail of every story grabs the attention of the reader and doesn't let go. Learn the early stories of famous foes like Billy the Kid and what he was like from both a personal and business standpoint. If you like stories of heroes and the people who tried to take them down, then you are in for a wild ride.  Novelist William MacLeod Raine recalls standoffs, shootouts, rowdy saloons, brave men who protected innocent townspeople, and villains who put the “wild” in Wild West. Famous Sheriffs and Western Outlaws is a sure shot for anyone interested in the history and romance of the Old West.

    His spiritual odyssey is narrated by his mentor, a professor at the divinity school - who is actually a humanist who believes neither in God nor in an afterlife. Although Peter never abandons his theism or his admiration for Jesus, he reaches a point where he feels it would be hypocritical to remain within the church and to become the evangelist he had hoped to be.The counterpoint between Peter and the narrator reflects the eternal conflict between theism and atheism. In following the changes of Peter's beliefs, almost every aspect of Protestant theology and ethics is explored. The evolution of Peter's faith parallels the evolution of Christian theology, from the day of Pentecost to contemporary liberal theology.

    With a clever mix of popular culture, everyday life, and extensive student activities, The Real World fully realizes sociology's unique ability to stimulate students intellectually as well as resonate with them personally.

    Every day of her high school life was a struggle. She woke up in the morning and the thought of going to school was like an enormous mountain to climb. 'Nothing will ever be as easy as your school years,' well-meaning adults told her, but I knew for my daughter, and for many kids who have struggled as square pegs trying to make themselves round, this was dead wrong. When Lucy Clark's daughter graduated from school a 'failure', she started asking questions about the way we measure success. Why is there so much pressure on kids today? Where does it come from? Most importantly, as we seem to be in the grip of an epidemic of anxiety, how can we reduce that pressure? Beautiful Failures explores, through personal experience and journalistic investigation, a broken education system that fails too many kids and puts terrible pressure on all kids, including those who 'succeed'. It challenges accepted wisdoms about schooling, calls on parents to examine their own expectations, and questions the purpose of education, and indeed the purpose of childhood.

    However, the integrity of an outstanding lesson will always be the same and this book attempts to bottle that formula so that you can recreate it time and time again.In his first book, Twitter phenomenon and outstanding teacher, Ross Morrison McGill provides a bank of inspirational ideas that can be picked up five minutes before your lesson starts and put into practice just as they are, or embedded into your day-to-day teaching to make every lesson an outstanding lesson! In his light-hearted and enthusiastic manner Ross guides you through the ideas he uses on a daily basis for managing behaviour, lesson planning, homework, assessment and all round outstanding teaching. Whether you are an experienced teacher or someone who has little practical teaching experience, there are ideas in this book that will change the way you think about your lessons.Ideas include: Snappy starters, Open classroom, Smiley faces, Student-led homework, Monday morning mantra and the popular five minute lesson plan.The 100 ideas series offers busy secondary teachers easy to implement, practical strategies and activities to improve and inspire their classroom practice. The bestselling series has been relaunched with a brand new look, including a new accessible dip in and out layout. Features include: Teachers tips, Taking it further tips, Quotes from the Ofsted framework and teachers, Bonus ideas, Hashtags and online resouces.

    How to Memorize the Fretboard Teaches you: Simple methods and strategies to memorize the guitar neck easilyClear diagrams and techniques to make learning fun and simpleEssential Music TheoryA Free Gift!  Break Down the Guitar Neck into Easy Shapes Unlike the piano, the same note can be played on the guitar in more than one location making their locations seem daunting to learn. This book teaches you to instantly recognize and know the location of every note on the guitar neck.How to Memorize the Guitar Fretboard teaches you essential basic theory and musical patterns so you actually understand how the guitar as a whole functions.   Free on Kindle Unlimited! - Master the Guitar Neck Today! Why wait? With free delivery right to your device, you don't even need a kindle to read this book! You can have it sent to your PC, Tablet or Smartphone. No more excuses, master the guitar neck today and play like a pro! The Most Popular Guitar Books on Amazon With over 2000, 5* reviews on Amazon, Fundamental Changes bring you the highest rated guitar books available on Amazon. This is a new title and reviews take time, but check out our other releases to see what we're providing. Scroll up to Buy Now and make a huge difference to your playing.

    This updated edition features new material.

    It brings comfort, purpose, and sense of pride. These feelings mean so much to the Christian. But are these feelings justified? Do Christians have good reason to trust the truth of their beliefs? Author J. D. Brucker brings forth a short collection of arguments against Christian beliefs, exposing the falsehoods of the faith so many all around the world cherish.

    Mistakes and misunderstandings. Perseverance and prosperity. This is the story of how a handful of explorers and settlers grew into one of the world’s greatest nations. With US History: An Overview of the Most Important People & Events. The History of United States: From Indians to Contemporary History of America, you’ll meet the leaders that founded and shaped a great nation including Christopher Columbus, George Washington, Benjamin Franklin, Thomas Jefferson, Andrew Jackson, Abraham Lincoln, Franklin Delano Roosevelt, Neil Armstrong, Buzz Aldrin, Richard Nixon and more. But, this short introduction to American History doesn’t stop at who and when. It follows the rollercoaster of events to show you how and why: Columbus’ discovery of an uncharted continent led to rapid colonization by Spanish and European nations. Fierce competition between the Spanish, French, English, and Portuguese divided the North American landmass into multiple territories. A series of great leaders founded a democracy that has withstood centuries of peace and turmoil. War, tragedy, and famine shaped the United States into a modern superpower. The United States Constitution continues to guide and shape the nation today. The major political parties of the past shaped the modern Republican and Democratic parties. This quick glimpse into the most significant people and events in American History reveals the mistakes that tore the country apart and the triumphs that rebuilt it. Start your journey through American History today with US History: An Overview of the Most Important People & Events. The History of United States: From Indians to Contemporary History of America. Scroll up to buy your copy.

    "Basics of Web Design: HTML5 and CSS3, 2e "covers the basic concepts that web designers need to develop their skills: Introductory Internet and Web concepts Creating web pages with HTML5 Configuring text, color, and page layout with Cascading Style Sheets Configuring images and multimedia on web pages Web design best practices Accessibility, usability, and search engine optimization considerations Obtaining a domain name and web host Publishing to the Web

    Here, Dave Lowry, one of the best-known writers on the Japanese martial arts, illuminates the complete path of karate including practice, philosophy, and culture. He covers myriad subjects of interest to karate practitioners of all ages and levels, including:    • The relationship between students and teachers    • Cultivating the correct attitude during practice    • The differences between karate in the East and West    • Whether a karate student really needs to study in Japan to perfect the art    • The meaning of rank and the black belt    • Detailed descriptions of kicks, punches, evasions, and techniques and the philosophical concepts that they manifest    • What practice means and looks like as one ages    • How the practice of karate aims toward cultivating character and spiritual development After forty years studying karate and the budo arts, Lowry is an informative and reliable guide, highlighting aspects of the karate path that will surprise, entertain, and enlighten.

    The authors identify 10 qualities, attributes, and skills that help to explain Lincoln's effectiveness, despite seemingly insurmountable odds:1. Implementing and sustaining a mission and vision with focused and profound clarity2. Communicating ideas effectively with precise and straightforward language3. Building a diverse and competent team to successfully address the mission4. Engendering trust, loyalty, and respect through humility, humor, and personal example5. Leading and serving with emotional intelligence and empathy6. Exercising situational competence and responding appropriately to implement effective change7. Rising beyond personal and professional trials through tenacity, persistence, resilience, and courage8. Exercising purposeful visibility9. Demonstrating personal growth and enhanced competence as a lifetime learner, willing to reflect on and expand ideas10. Believing that hope can become a realityChapters devoted to each element explore the historical record of Lincoln's life and actions, then discuss the implications for modern educators. End-of-chapter exercises provide a structure for reflection, analysis of current behaviors, and guidance for future work, so that readers can create their own path to success--inspired by the example of one of the greatest leaders of all time.