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.

    An essential book for readers of Peter Hart, Tim Cook and Nick Lloyd.The men of the 46th Canadian Infantry Battalion were some of the most effective shock troops of the Allied forces in the Great War. They drove back German forces wherever they met and refused ever to surrender. Such tactics struck fear in their enemies, yet, it came at a tremendous cost. Of the 5374 officers and men who passed through the unit, a total of 4917, or 91 per cent, were either killed or wounded.J.L. McWilliams and R. James Steel chart the history of this battalion from when it was formed on 7th November 1914 through all of its major battles, including the Somme, Vimy Ridge, Hill 70, Passchendaele, Amiens, the Hundred Days Offensive and breaking through the Hindenburg Line, to when it was finally disbanded at the end of the war. Rather than focus simply on the grand strategies of generals, McWilliams and Steel use numerous personal accounts, both written at the time and afterwards, to depict what life was like for the regular soldier of the 46th Battalion during these treacherous years spent in muddy trenches in France and Belgium.

    Released early and reconciled with Barat, The Libertines confounded the critics by rounding off 2003 with three triumphant sold-out shows at London's Forum and kicking off 2004 with the prestigious Best UK band gong at the NME awards. For the first time, the full, extraordinary story of the most gifted yet nihilistic London band since The Sex Pistols is told. With the complete co-operation of the major players in their gloriously destructive ascent. A documentation of the break-ins, break-ups, punch-ups and make-ups of the first two phenomenal years of The Libertines. Illustrated with many unseen photographs from the authors archive.

    It is filled with new interviews with music legends such as Brian Wilson, Mike Love, Alan Jardine, Bruce Johnston, David Marks, Blondie Chaplin, Randy Bachman, Roger McGuinn, John Sebastian, Lyle Lovett, Alice Cooper, and Al Kooper, and commentary from a younger generation such as Matthew Sweet, Carnie Wilson, Daniel Lanois, Cameron Crowe, and Zooey Deschanel. Even hardcore fans will be delighted by the breadth of this musical-history volume. Plans for celebrating the golden anniversary of "America's band" include the long-awaited release of 1967's Smile--the most famous aborted album in rock history--and concerts reuniting the group's five main surviving members. The band's music is as influential as it was 50 years ago, and this retelling of how the iconic rock group found itself in the annals of pop culture couldn't come at a better time.

    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.

    These were the athletes in the Olympic marathon. So how did he end up with a bronze medal? How did he win the London Marathon? And why does he still hold the English record for the distance? In this remarkable autobiography he explains how – how someone who was almost bottom of the class when he first went to school, and even worse at sport, eventually turned himself into a genuinely world-class athlete, competing in top marathons all over the world, and genuinely going from last to first. As well as the enthralling life story of one of our finest distance runners, this book is a wonderfully clear and inspiring piece of life coaching for anyone who wants to make the most of their talents. But more than this, as Spedding says at the start, ‘I believe that on occasions you can create the circumstances in which you can perform at a higher level than your talent says you can’. Spedding’s own story, and his chronicle of the big races he excelled in, proves it’s true. For anyone aspiring to run a marathon, or indeed anyone who wants to set themselves a goal they think beyond their reach – and achieve it – this is an essential book.

    The team behind the inspirational design sites Gardenista.com and Remodelista.com presents an all-in-one manual for making your outdoor space as welcoming as your living room. Tour personality-filled gardens around the world and re-create the looks with no-fail planting palettes. Find hundreds of design tips and easy DIYs, editors’ picks of 100 classic (and stylish) objects, a landscaping primer with tips from pros, over 200 resources, and so much more.

    Together with the bestselling A View from the Foothills and Decline & Fall, the complete trilogy covers the rise and fall of New Labour from start to finish.Witty, elegant and wickedly indiscreet, the Mullin diaries are widely reckoned to be the best account of the New Labour era."Every once in a while," wrote David Cameron, " political diaries emerge that are so irreverent and insightful that they are destined to be handed out as leaving presents across Whitehall for years to come."

    Durrell soon found himself beginning a new career with the discovery (in the person of a large and ill-tempered male named Albert) that not all lions are noble, and that almost everything written about them is untrue. He then goes on to make the acquaintance of a remarkably friendly tiger named Paul, a polar bear whose paw needs doctoring, a raccoon-like dog, a wombat named Peter, Pere David's deer... and many more. [Excerpted from the book jacket.]

    The magnificent and long-awaited biography of the beloved writer who gave us the Manawaka novels, including The Diviners and The Stone Angel.

    Many, though not all, of the visitors to ‘Zen Garden’ were, like Subroto himself, high-performance entrepreneurs. But the one thing that was common to every guest was that they were pathmakers – rather than choosing to follow the well-trodden path, they had charted new paths that other could tread on.This book features the very best conversations from ‘Zen Garden’, including those with the Dalai Lama, Sadhguru Jaggi Zasudev, Nandan Nilekani, Aamir Khan, Dr. Devi Shetty, Kiran Mazumdar Shaw, Ekta Kapoor, social entrepreneur Harish Hande, Sanjeev Bikchandani of naukri.com, Deep Kalra of makemytrip.com, Café Coffee Day’s V.G. Siddhartha, Vikram Bakshi (the man who brought McDonald’s to India) and India’s top windmaker, Rajeev Samant.In their own words, these game changers reveal what it was that made them think differently, what gave them the courage to step off the beaten track, and how they sustained their vision in the face of seemingly insurmountable odds.

    the magnificently told story of a man who triumphed over the limitations of history to become his greatest self." The life he was born into was too small for Adam Baumann. But getting out in the midst of a world at war was dangerous.Born in an isolated village in eastern Hungary between the great wars, Adam yearned for more. More excitement, more freedom, more knowledge of the world... and often more food. Locked up for theft at age nine, Adam's life took one tumultuous turn after another. From a twelve-year-old stable hand on a nobleman's estate, to a fifteen-year-old shivering in a foxhole on the Eastern Front, Adam's hunger for a bigger life led him into spine tingling adventures, mind-numbing horror, heart-breaking tears, and terrifying brushes with death. Awakening in a makeshift hospital with a shattered left leg, Adam was catapulted into a series of captures and narrow escapes from enemy forces as Europe reeled from the final destruction and horror of WWII.Never standing still, he journeyed through war-torn landscapes to find and reunite his family, and began to build a life from the ashes, until the results of a medical examination at an American Embassy in Germany changed the course of his future forever.

    She decided to pack up her life and head for the Yukon.Driving alone across the country from her home just north of Toronto, describing the land as it changes from Precambrian Shield to open prairie, Jill finds that solitude in the wilds is not what she expected. She is actively engaged by nature, her moods reflected in the changing landscape and weather. Camping in her tent as she travels, she begins to let go of the world she’s leaving and to enter the realm of the solitary traveller. There are many challenges in store. She has booked a place on a two-week sea-kayaking trip in the Queen Charlotte Islands of British Columbia; though she owns a canoe, she has never been in a kayak. As the departure nears, she dreads it. Nor does it work any miracle charm on her, as she is isolated from her fellow travellers; yet the landscape and wild beauty of the old hunt camps gradually affects her. Halfway, as she begins to have energy left at the end of the day’s exertions, she notes: “This is as relaxed as I have ever been, as free from anxious future-thinking as I have ever managed.”From there she heads north, taking ferries up the Inside Passage and using her bicycle and tent to explore the wet, mountainous places along the way. Again, she feels self-conscious when alone in public, but once she strikes out into nature, the wilderness begins to work its magic on her, and she begins to feel a bond with the land and a kind of serenity. Moreover, she comes to realize that this self-reliance is an important step. Many travel narratives involve some kind of inner journey, a seeking of knowledge and of self. Set in the same part of the world, Jonathan Raban’s A Passage to Juneau ended up being “an exploration into the wilderness of the human heart.” Kevin Patterson used his months sailing from Vancouver to Tahiti to consider his life in The Water in Between, while the Bhutanese landscape worked a profound transformation on Jamie Zeppa in Beyond the Sky and the Earth. In This Cold Heaven, Gretel Ehrlich chose not to put herself into the story, but described the landscape with a similar hunger and intensity, while Sharon Butala has written deeply and personally about her physical and spiritual connection with the prairies in The Perfection of the Morning and other work.In Starting Out in the Afternoon, Frayne struggles to come to terms with her vulnerabilities and begins to find peace. In beautifully spare but potent language, she delivers an inspiring, contemplative memoir of the middle passage of a woman’s life and an eloquent meditation on the solace of living close to the wild land. Eventually what has begun as a three-month trip becomes a personal journey of several years, during which she is on the move and testing herself in the wilderness. She conquers her fears and begins a new relationship with nature, exuberant at becoming a competent outdoorswoman. “Despite a late start I expect to spend the rest of my life dashing off the highway, pursuing this know-how, plumbing the outdoors side of life.”

    With wit, self-deprecation, and the input of experts from around the world, he provides critical information on nutrition and hydration, selecting shoes, race strategy, pacing, proper form, motivation, and how to stave off injuries while continually crossing new finish lines. He shares running music recommendations provided personally by a variety of pop and rock stars, including Paul Simon, Justin Bieber, The Black Keys, Ghostface Killah, Willie Nelson, Feist, and Norah Jones. Kaplan's infectious enthusiasm about running — and music — inspires the most recalcitrant runners to lace up their shoes and hit the pavement.

    It's like thinking the unthinkable. After all, the farm population is dwindling. It takes too much capital to start. The pay is too low. The working conditions are dusty, smelly and noisy: not the place to raise a family. This is all true, and more, for most farmers. But for farm entrepreneurs, the opportunities for a farm family business have never been greater. The aging farm population is creating cavernous niches begging to be filled by creative visionaries who will go in dynamic new directions. As the industrial agriculture complex crumbles and our culture clambers for clean food, the countryside beckons anew with profitable farming opportunities. While this book can be helpful to all farmers, it targets the wannabes, the folks who actually entertain notions of living, loving and learning on a piece of land. Anyone willing to dance with such a dream should be able to assess its assets and liabilities; its fantasies and realities. "Is it really possible for me?" is the burning question this book addresses.