This book will show you what successful early risers do once they are up and teach you step-by-step how you can become an early riser.

    In desperation, his master arranged for him to study at Heart's Eye University, a former school of magic that has become a university, a place where magicians and mundanes can work to combine their talents and forge the future together.But all is not well at Heart's Eye. The magical and mundane apprentices resent and fear each other, the teaching staff is unsure how to shape the university and, outside, powerful forces are gathering to snuff out the future before it can take shape. As Adam starts his new apprenticeship, and stumbles across a secret that could reshape the world, he finds himself drawn into a deadly plot that could destroy the university ..... And leave Lady Emily's legacy in flaming ruins.

    You'll discover proven techniques for living a meaningful, healthy, and productive life no matter what your life circumstances happen to be. You'll learn why having positive emotions can improve your health and well-being. And, you will find out what happiness isn't and how to avoid confusing happiness with culturally valued outcomes like wealth, power, and success. Pursue what you want, seize the day, find benefits in life's challenges, and live a happy lifestyle.Open the book and find: Ways to assess your current capacity for happiness Tips for overcoming common obstacles to happiness How to improve your emotional and spiritual life The best personal habits to foster happiness

    A person would spend their entire career with ONE company and then upon retirement they would receive a pension which was a guaranteed paycheck every month for the rest of their life. Most Americans have no chance at getting that deal anymore. The burdens, challenges, and risks of today's world are far greater. The stock market has seen negative returns for an entire decade. Health care costs are up but benefits are down. Life expectancy has dramatically increased but pensions are all but extinct! We are in a time when people need guaranteed income more than ever, yet fewer people have it than ever before. Paychecks and Playchecks: Retirement Solutions For Life is a guide for retirement that is BUILT for markets like these. It's a roadmap for surviving, and thriving, in difficult economic times. This book is not an Op-Ed on how "Average Joe" can invest to generate huge returns. It is a mathematical and scientifically proven guide on how to create a solid retirement with as much upside potential and downside protection as possible. Its purpose is to help you make absolutely sure that you have guaranteed lifetime income to keep you and your family protected in any market.By using simple financial products properly, having a plan for long term care, and utilizing cutting edge estate planning ideas, Paychecks and Playchecks will show you how to retire with enough guaranteed lifetime income to cover your basic expenses and optimize the rest of your portfolio to make sure you receive your "playchecks." It's not rocket science - it's financial sense. Despite what most experts say, "Happily ever after" still exists and it starts with Paychecks and Playchecks: Retirement Solutions For Life.

    “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.

     If you try to buy the dips, you will get crushed. If you try to short a bear market and don't know what you are doing, you will also get crushed. In fact, most of the tricks that work in bull markets don't work in bear markets. During a bear market, there is always a vast transfer of wealth from the amateurs to the professionals. Don't let that happen to you again. If you lost money in 2008-2009, make sure that you and your family are prepared this time. In this book, you will learn: How to spot a bear market on the horizon The best way to make money using put options How to trade a bear market using stock index futures An automated trading system (never before revealed) that profits from the high volatility of a bear market 3 ways to know that a bear market is almost over How to load up on undervalued stocks at the end of a bear market And much, much more Amazon best-selling author and retired hedge fund manager, Matthew Kratter will teach you the secrets that he has used to profitably trade the last 2 bear markets. These trading strategies are extremely powerful, and yet so easy to use. And if you ever get stuck, you can always reach out to the author by email (provided inside of the book), and he will help you. Get started today Scroll to the top of this page and click BUY NOW.

    Flint soon finds himself facing a ruthless opponent, Oleg Malchik, a dynamic FSB agent who’s closing down Western intelligence networks one after another.With Malchik closing in, Flint has his own problems with the local Mafia. But things turn for the worse when Malchik wants Flint dead. With the FSB and the Mafia in hot pursuit, Flint believes there’s a mole helping Malchik.Who can Flint trust? Can he complete his mission? Who will get to him first, the Mafia or Malchik?   Defector is the first stand-alone novella in the ‘Beginning Series’, part of the series of international thrillers based around CIA agent, Andy Flint. If you like action, a page turning roller-coaster of a read and plot which keeps you on the edge of your seat, you’ll love Peter Kozmar’s gripping thriller. Download Defector and start your fast-paced adventure today.

    "You earn $150,000 a year, so where the hell is your money going?" Or what about this little gem that pops up every so often when you catch up with the girls- "How can she afford that?" Or maybe you're in a relationship that you're desperate to leave but that voice always says- "You can't afford to." Maybe your biggest fear is retiring in a polyester outfit because you haven't saved enough to live the fashionista lifestyle you're accustomed to. This book is for every woman who unashamedly has that voice in her head. After 20 years on a brand like Money, I've come across just about every possible question. Hopefully you'll find the answers to some of your questions in here.

    Do you know that everything you need to know about personal finance can be summed up in only 1,000 words? What if I told you that you can learn how to handle your money better than a majority of your peers?Now you can.In this book you learn everything you could ever want to know about your money - in less than 10 minutes. That’s all it will take for you to become a master of money.How many articles and books do you see on personal finance? Hundreds? Thousands?Blogs. Books. Podcasts. The resources you have at your disposal are limitless. You know what happens when you have limitless resources? You ignore them. All of them. But that is okay. This will be the only resource you will ever need on personal finance. That is what makes this book so special. In this brief book you will learn: How to control your spending habits Where you should focus your time when making a large purchase How to save thousands doing this one simple thing How tracking every penny does NOT make you financially responsible and what you should do instead What you should spend your money on (hint: it’s not what you think) Why saving for only 10 years is better than saving for 32 years How to make budgeting work for you, even if you hate it! How to make more money Where you should focus your time and effort on to make more money Those habits of the rich How you make money work for you How to avoid taxes legally. The specific investment you should choose The one type of mutual fund you should avoid How you can simplify your finances What you can do to save for retirement every month without lifting a finger If you do not want to learn everything about personal finance in 10 minutes or less, this book is not for you. However, if you want to take control of you money, grab this free eBook today. You’ll be glad you did. Well, what are you waiting for?! Scroll up and download your copy today!

    So we’ve created a guide that will show you (or a friend or relative who’s just getting started): * How much you need to start investing. * The key steps for building long-term wealth. * Proven ways to find great companies to buy. Understanding these life-changing concepts will get any investor on the path to financial freedom. Built upon our 13 Steps to Investing Foolishly, The Motley Fool Guide to Investing for Beginners includes our top investors’ biggest mistakes, insights into different styles of investing, and much more. Plus, you get 3 great stock picks that we think could make a strong foundation to any portfolio.

    In "Killing Sacred Cows," Gunderson boldly exposes ingrained fallacies and misguided traditions in the world of personal finance.

    Then she unpacks seven essential money habits for living the life we really want—a life in line with our values, where we can afford the things we want to buy without being buried under debt, stress, and worry.The Joneses are broke. Life looks good, but hidden beneath that glossy exterior are credit card bills, student loans, car payments, and an out-of-control mortgage. Their money situation is a mess, and they’re trying to live a life they simply can't afford. So why exactly do we try so hard to keep up with the Joneses?Are we really living the lives we want, or are we chasing someone else’s dream, just trying to keep up appearances on social media, at church, and in our community? Why are we letting other people set the pace for our own family’s finances?In Love Your Life, Not Theirs, Rachel shows you how to buy and do the things that are important to you—the right way. That starts by choosing to quit the comparisons, reframing the way you think about money, and developing new habits like avoiding debt, living on a plan, watching your spending, saving for the future, having healthy conversations about money, and giving.These habits work, and Rachel is living proof. Now, she wants to empower you to live the life you’ve always dreamed of without creating the debt, stress, and worry that are all too often part of the deal. Social media isn’t real life, and trying to keep up with the Joneses will never get you anywhere. It’s time to live—and love—your life, not theirs.

    Your purchase includes full audio (as ready by the author with bonus commentary & content) as well as Jim's top selling email marketing course which normally sells for $97! As one of the most read Internet business success authors of all time, Jim is committed to keeping his flagship book up to date and always full of the most cutting edge ideas. Multiple online business strategies are documented as the author advises everyone from "newbies" to seasoned professionals on what DOES and DOESN'T work in the world on online business and Internet marketing RIGHT NOW. The reader will learn to establish multiple automated income streams using proven, creative concepts with numerous examples of successful application given throughout the book. Topics covered include; Selling on Amazon.com, creative uses of eBay, finding and growing a loyal audience online, social marketing, automating your online efforts, effective email marketing and multiple real life success stories from his ever growing audience of creative and successful online entrepreneurs. BONUS: Buyers get full free access to Jim's $97 email marketing course (see chapter 3 for the link!) BONUS 2: Full audio of the book as read by the author!

    When it collapsed in February 2014, lawyers across Canada and the business community were stunned. What went wrong? Why did so many lawyers run for the exit? How did it implode? What is it that holds professional partnerships together?This is the story of the rise and fall of a great company by the ultimate insider, Norman Bacal, who served as managing partner until a year before the firm's demise. Breakdown takes readers into the boardroom offices during the heady growth of a legal empire built from the ground up over 40 years. We see how after a change of leadership tensions erupted between the Toronto and Montreal offices, and between the hard-driving lawyers themselves. It is a story about the extraordinary fragility of the legal partnership, but it's also a classic business story, a cautionary tale of the perils of ignoring a firm's culture and vision.Normal0falsefalsefalseEN-USJAX-NONE<!--StartFragment--><!--EndFragment--><!--EndFragment-->

    The letter was both a confession and an invitation for public scrutiny. “No matter where I was,” he recalls, “there was always a chance that someone had read my post and was waiting to catch me with a drink in my hand.” To help keep himself on the straight and narrow, Carr still has a counter at the top of his site, ticking off the number of days he’s gone without a drink.In this bracing (but zero-proof) tale of recovery, Carr delivers his own twelve steps to building a life without booze. His hard-earned advice, punctuated with anecdotes that are both cautionary and comic (a bender once took him to Iceland, where he drunkenly believed he’d get better Wi-Fi) is given with humility and goodwill. Along the way, Carr celebrates the simple yet overlooked pleasures of sobriety—weight loss, a renewed love life, the ability to buy a phone or laptop without promptly losing it in a bar. As he slowly discovers, a sober life actually CAN be fun. What’s more, he’ll remember it.