Many Canadians who own their home have never considered buying a second property. And nearly one-third of retirees are worried about running out of money. The Real Estate Retirement Plan shows how homeowners can use the tools already available to them — their mortgages — to access the initial capital to invest and prepare for their retirement. This is a proven, validated antidote to today’s historically low savings rates, poor current rates of return, and pressure on CPP and health care.With examples and a detailed discussion of the principles and mechanics, Calum Ross and Simon Giannini demystify real-estate investing and make an irrefutable case for borrowing to invest.

    This book covers those and a slew of other questions that shed light onto what constrains people, what motivates them, and ultimately what makes them happy.

    Readers can view the templates used in consulting studies and how they are used. All the foundational strategy and business analyses tools are taught along with the soft skills and practical tools to solve any business problem. This is the only book of its kind walking the reader step-by-step through a complete consulting study.This book follows an engagement team as they assist a large company in diagnosing and fixing deep and persistent organizational issues over an 8-week assignment. Readers will learn how they successfully navigate a challenging client environment, frame the problem and limit the scope, develop hypotheses, build the analyses and provide the final recommendations.We have placed the explanation of management consulting techniques within a lively and engaging storyline, which allows the reader to truly understand the challenges faced on consulting engagements, connect with the characters, and understand both how and why they debated elements of the study.It is written so that the reader may follow, understand, and replicate a strategic engagement using the same techniques used by the leading firms, such as McKinsey, Bain, and BCG. To make the story realistic and useful, we have worked with one client engagement throughout the book. Using different examples and different clients to explain concepts would have made it difficult for readers to see the data linkages and development of the final recommendations. The client and engagement are fictitious. The data presented are also fictitious, but they are based on actual consulting engagements and the experiences of the author and the contributing McKinsey, BCG, et. al. partners at FIRMSconsulting.com & StrategyTraining.com.

    For five months, and two thousand miles, the wagon train lumbers toward California on the Oregon Trail and into big trouble. The emigrants endure disease, dirt, and attacks from outlaws, and invaded Indians. Bitter strife erupts between ill-matched pioneers forced together by necessity.The 1845 wagon train is part of a vast westward movement; a monument to Americana that fascinates readers 175 years later.In one of the wagons is a heart-sick physician, Hannah Blanc, whose tribulations are Jobian: the suicide of a beloved husband, unfair denial of her medical career by graybeards of the profession, and a nightmarish new "marriage of necessity to a vile man named Ed Spencer.The guide is a hard-to-figure mountain man, Nimrod Lee, who knows the trail, but is also looking a man he needs to kill. Guilt over the murder of his Crow wife beclouds his conscience. Betrayal of his word to her chief father threatens his life. The killer of his wife is still out there.A love affair between Hannah and Nimrod is inevitable, but it's complicated, because for both, painful histories and mixed-up emotions make tall walls. The heart of the story is the pool of misgivings that threatens to drown their tenuous affair.The wagon train is a village of strangers locked together with no escape.Beyond all they must endure, the pioneers keep fighting, and keep coming. Those who make it are survivors; survivors with a great story to tell.

    And how do you do that? By learning to Push in the Orangetheory Fitness workout. By doing so, you also learn to do the same in your life - to take on new challenges, to pursue your biggest goals, and to become the best version of you.What makes Orangetheory different from every workout you’ve tried? Why is it one of the fastest-growing fitness franchises today? And how can it change your life? In Push, you’ll learn the amazing story behind Orangetheory, the journey Ellen Latham took to create it, and how to apply the elements of Base, Push, and All Out from the workout studio to your own life.

    Reviewers of the book have recommended this as one of the best self-help books on Success, a self-help book that works, a guide that provides very simple steps, avoiding confusing mantras and a success book with something for everyone. Instead of listing boring textbook analogies, the author shares stories and experiences, making this an exciting and easy read.I am a Rockstar is your simple and end to end guide to Success, helping you to•Adopt positive thinking and winning attitude to succeed•Boost your self-confidence and self-belief•Control your life through a more straightforward, efficient, and productive perspective to life•Develop essential winning skills:::oEssential tools such as communication skills, leadership skills, negotiation skills, branding skills & presentation skillsoCritical life skills such as appreciation, discovering unknowns, turning weaknesses in

    On his journey he meets Tau, a freed African slave, Ima, a vengeful German war maiden, and Sigmund, a gentle giant caught between worlds. Together they must ally with the Roman Legion to fight against an evil that threatens all the civilized world and pursue justice for those they have lost. Ulrich is the first novel of a series that explores events in and around the Roman empire of the fourth century A.D. A terrible force of invaders, the Alemanni, throw a continent into chaos on their quest for power and revenge and only a young Caesar Julian stands in their way. Action and adventure combine with historical accuracy to create an epic tale of hate, triumph, love, and loss. Through their actions our heroes raise and topple empires and make choices that shape the course of history.

    This includes further education, adult and community learning, work-based learning, the forces and offender learning and skills. It is easy to read with plenty of practical activities and examples throughout and the content is fully linked to the Teacher Training Standards. Please note: This book has since been updated to reflect the new title of the qualification: The Award in Education and Training.The qualification unit content contained in the appendices has since changed, and some legislation mentioned in the book has been updated.

    His hope offers an anchor for the soul and a way to get back on track. His faithfulness declares that wherever you are now, he is always ready to bring you home.As a respected Bible teacher, author, and activist, Christine Caine knew that Jesus was her only anchor. But after an especially difficult season, she found herself drifting, unsure if she wanted to keep going the way she always had and asking, “How did I get here?” as she struggled to return to the steadiness of God’s purpose for her. Where she once wanted to take ground, she now just wanted to take cover. It was a bewildering and disorienting place to be—one you may also have found yourself in before.With refreshing candor and relatable humor, Christine offers biblical insights helping youidentify nine signs you are drifting off course and realign with God’s purpose;ask the right questions about your relationships with God, others, and your own heart so you can stay anchored in truth despite the world’s shifting currents;move from a what-if faith to an even-if faith as you discover how to trust God more deeply; andwrestle honestly with your soul’s longings so we can respond to all the ways God answers—even when it feels like he doesn’t.Writing for all who feel empty of the spiritual passion they once knew, Christine vulnerably shares her journey of turning her eyes back to Jesus in her thoughts, prayers, actions, and the hard questions she asked along the way.

    Lysa and Proverbs 31 team wanted to create a study that would help you understand the story of the Bible from start to finish. In 40 Days Through the Bible: The Answers to Your Deepest Longings, you will:Take a journey through the storyline of the Bible in 40 days so you can see major themes, how they are all connected and what that means for us as we read the Bible today.Discover the eight major things humanity longs for and how Jesus fulfills all of them for us.Stop the endless cycle of seeking and searching for satisfaction and find the answers to your deepest longings.

     The last time David Magee saw his son alive, William told him to write their family’s story in the hopes of helping others. Days later, David found William dead from an accidental drug overdose. Now, in a memoir suggestive of Augusten Burroughs meets Glennon Doyle, award-winning columnist and author David Magee answers his son's wish with a compelling, heartbreaking, and impossible to put down book that speaks to every individual and family. With honesty and heart, Magee shares his family’s intergenerational struggle with substance abuse and mental health issues, as well as his own reckoning with family secrets—confronting the dark truth about the adoptive parents who raised him and a decades-long search for identity. He wrestles with personal substance misuse that began at a young age and, as a father, he sees destructive patterns repeat and develop within his own children. While striving to find a truly authentic voice as a writer despite authoring nearly a dozen previous books, Magee ultimately understands that William had been right and their own family’s history is the story he needs to tell. A poignant and uplifting message of hope translates unimaginable tragedy into an inspirational commitment to saving others, as David founded the William Magee Institute for Student Wellbeing at the University of Mississippi. His mission to share solutions to self-medication and addiction, particularly as it touches America’s high school and college students, emphasizes that William’s story is about much more than a tragic addiction—it’s an American story of a family broken by loss and remade with love. Dear William inspires readers to find purpose, build resilience, and break the cycles that damage too many individuals and the people who love them. It’s a life-changing book revealing how voids can be filled, and peace—even profound, lasting happiness—is possible.

    

    Bolder than Sun Tzu, more practical than Gracian's Worldly Wisdom, this is the manual on how great leaders are made.

    A human body draped over the limbs of a cactus. Sand scouring the naked flesh every time the wind blows.A shocking death launches Special Agent Victor Loshak on a new investigation with an ominous message: They know everything. He heads to Tucson, Arizona, where a recent murder spree seems to be linked to the human trafficking conspiracy he's been working in secret for months.Loshak still has dreams about the Kansas City case. Nightmares about the team of techs peeling up the floorboards in a suburban home. Finding the rotting bodies face down in the muddy earth of the crawlspace. A grisly discovery that ultimately led to more questions than answers.Now he may be closer than ever to solving the puzzle.If you follow the conspiracy rabbit hole all the way down, you eventually reach the bottom.The task force working the desert murders seems oblivious to the conspiracy link, and Loshak must tread lightly. He doesn't know who to trust, what information to share.The tendrils of the human trafficking ring lead in all directions outward from that Kansas City crawlspace. Their influence reaches the highest levels of government and law enforcement. They have eyes and ears everywhere.Even with the complications, the Tucson case slowly unravels the web of connections behind the crimes, both the murders and the conspiracy.Questions get answered. Names and faces are laid bare. Puzzle pieces snapping into place at long last.But the revelations bring about the gravest danger yet.

    It's a competitive and physically and mentally demanding career that combines elite athleticism, artistry, and performance. Not only do dancers rehearse for six to eight hours a day before performing at night, but they also must make it all look easy!As a principal ballerina with New York City Ballet and a one-time Broadway star--not to mention a mother of three and an MBA student--Megan Fairchild is all too familiar with these challenges. In The Ballerina Mindset, she shares all the wisdom she's learned from her nearly two-decade career, drawing upon her own experiences to show us how she learned to overcome challenges ranging from stage fright to negative feedback to a packed calendar to weight management--and how we can do the same. Inspiring, warm, and revelatory, The Ballerina Mindset is the perfect how-to guide for dancers, athletes, artists, and anyone struggling to stay sane in a high-pressure environment.