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.

    It's the first book in the "I've Got Nothing For You.." series. This series of books aims to guide you through the process of becoming financially free through real estate investing. If You Can't Wholesale After This was written for people who are fed up with the traditional "rat race" style of living and want to create a new way of living no matter if you have ever been involved in real estate or have any money of your own. This book will guide your mind and actions to building massive wealth step by step. Todd himself completed his first deal with only $11 in his checking account. He believes that anyone can build financial freedom by changing their mindsets and improving their daily habits. This book will change the way that you think about money and the way you think about the opportunity surrounding you each and every day. This book will inspire you to begin your own real estate business and provide a living for your family that you only dreamed of previously.

    This book introduces the basic elements of contracts; describes the lawyer's role in the drafting and negotiating process; discusses amendments, waivers, and consents; and, addresses issues that arise in reviewing contracts, including due diligence issues.

    Written in easy to read language, and packed with practical, easily applied tips, this eBook contains everything you need to know to take great notes.To make sure you get the most value for money possible I've also included the FREE eBook: "How to Study: 20 Tips". It contains my best best advice on time management, goal setting and how to get the best grades with the least effort. It's advice that also transfers brilliantly well to professionals, the self employed and anyone working toward mastery of a given field.

    This new edition retains the familiar three-part structure - history, institutions, and policies - but incorporates expanded coverage of both enlargement issues and constitutional change. New policy and institutional developments are thoroughly explored, and an entirely new chapter examines the decisionmaking dynamics among the Commission, Council, and Parliament. The completely revised chapter on the complicated EU-U.S. relationship includes discussions of the Bush administration's worldview, the broad repercussions of the terrorist attacks in the United States and Spain, and the ongoing fallout from the war in Iraq.

    The book focuses on the concepts of statistics with applications to the functional areas of business. It is rich in applications from accounting, finance, marketing, management and economics, covering data collection, tables and charts, probability, estimation, and more. For professionals, particularly managers, making financial analyses and decisions.

    At heart I’m an engineer. I want to encourage people to fix things, not to raise false hopes.' Mteto Nyati knew years ago as a schoolboy in Mthatha, working behind the counter at his mother’s trading store, that he wanted to fix and build things. After completing his studies in Mechanical Engineering at Natal University, he turned down a Rhodes scholarship and headed for Johannesburg to take up a position at Afrox. He was the only black engineer and the sole advice he received from his superiors was ‘don’t mess up’. He didn’t. Today Nyati is one of South Africa’s top CEOs, having steered Microsoft South Africa and MTN South Africa out of troubled times. He is currently guiding the transition of Altron from a family business, started at the height of apartheid, into a high-performing international IT company with a social conscience.

    For some, blogging is a pastime, a hobby, something to fulfil a creative need. But some take blogging one step further. Many individuals, with no special training, are using their blog/s as a part-time or even a full-time job. You may already have a blog that could do with a few more visitors. Or maybe you’re thinking of setting up a blog but are not sure where to start. The question most people ask me is ‘How do I get visitors to my blog?’ It’s like setting up a shop on the High Street and facing the challenge of getting people in the door. The good news is – I have answers that will see your visitor count lift substantially. All you need is a computer, an internet connection and a brain (your own preferably). Here’s what you don’t need: money. This book answers your blogging questions in a practical and straightforward way. How My Blog Got 1 Million Visits In 7 Months has been designed to show you how to drive people to your blog – and how to keep them coming back, time after time. It’s designed for bloggers and for those who have websites that could do with more traffic. I’m a multi-award winning blogger and publisher and have been for over eight years. When I first started blogging, I got very excited to see that one person kept visiting my site. That was until I realised that the analytics was, in fact, counting me as a visitor. I’ve learned a lot since. My latest blog broke through the 1,000,000 visit mark after just 7 months. As a result, my blog is now a profitable business. I haven’t spent a penny on advertising and I spend about 30 minutes a day blogging at most. I’ve picked up a large-scale book deal as a direct result of my blog. In this book, I’ll show you the basics of setting up your blog; how to write content that people will just want to click on and share with their friends; how to create viral posts that will see your visitor statistics balloon; how to write content for your website that will sell your services or products; how to optimise your posts for search engines and how to make money from your blog. My promise to you is this - if you use the tips and tricks that I am about to show you, your site will get more traffic and you can start making money from it. These are proven techniques that you can start implementing on your blog straight away. Run the kind of blog that other bloggers envy. Be the kind of blogger that people marvel at. It’ll make you feel pretty good, I guarantee it. Find out how right now. *** “Patric Morgan's How My Blog Got 1 Million Visitors in 7 Months makes me sick! I've got 15,000+ people on my combined social media and I've never gotten even close to a million visits on my site. Screw you, Patric! However – I have read through his book and have found some cool tricks to steal and apply. Shh...don't tell him.” Vicki Abelson, Author of ‘Don't Jump’, published October '15 from Carl Reiner's Random Content. “What an absolutely incredible 'How to Guide'. This book will give you the tools you need to increase your web traffic and create a viral sensation from your blog or website. Follow the common sense approach within these pages and maybe you'll be writing your own success story very soon. A must read for any avid blogger trying to step up into the big leagues. Buy it now!” Nigel Shinner, Author of the critically acclaimed novel ‘From Within’ “It’s good to read something that actually delivers on the title of the book.

    and without chasing after clients!In The Rookie Copywriter’s Survival Guide, master copywriter and serial entrepreneur Doberman Dan, shows how anybody with just mediocre... or even NO copywriting skills... can make a LOT of money in a very short period of time.This isn’t the typical “pay your dues and work for peanuts” advice often given to rookie copywriters or people who are thinking of getting into the business of copywriting. It’s a unique way you can get paid... and paid very well... while you learn the craft of direct response copywriting.Dan reveals the exact plan he used to break free from a low paying dead-end job and went on to make MILLIONS while becoming one of the most in-demand copywriters in the country. Dan has used his copywriting skills to “bootstrap” numerous businesses over the past 20 years... with nothing but a yellow notepad, pen and the gray matter between his ears. Time and time again... in a plethora of markets and niches.You’ll discover the highly profitable secrets from a battle-hardened grizzled veteran entrepreneur, marketer and copywriter that can only be gained from decades of hard-won “in the trenches” experience.Who is Doberman Dan?After twelve years as a full-time inner city police officer and 9 years of part-time consecutive entrepreneurial failures, Dan finally discovered the secrets of the most successful copywriters and direct marketers in the world. After his 9 years of “trial by fire” business failures, he finally “hit a home run” in the mail order business. He went on to apply his successful marketing and copywriting experience to online marketing... for his own businesses and also as a consultant to some of the most successful businesses in the country.

    Years hunched over books and articles, writing essays late into the night on the science and art of your chosen profession. Through hard work and determination, alongside lots of experience, you’ve now become pretty good at it. So good in fact, that you have been asked to stop doing it all the time. You’ve been asked to manage a team.Now, you’ve got to assess people, develop them, write their appraisals and help them to help you, and the business you work for, deliver results.This is the book that will get you there fast.Authored by Sue Willcock, who with 25 years of experience in professional services, wrote this book with the busy professional in mind – easy to read and packed full of tips you can use straight away.Sue originally qualified as a Chartered Surveyor before moving into business management roles, including a period as a Partner at a Top 5 Construction Consultancy. For the last 10 years, Sue has worked as a people development consultant focusing on professional services, working with individuals, teams and organisations.

    Everybody knows mobile is the future, and every business wants in, but what are the elements of mobile success? SC Moatti, a Silicon Valley veteran, has created a unique Mobile Formula that makes it easy for any business to develop a strategy for creating mobile products that count. Moatti argues that we so identify with our mobile products that we expect from them what we wish for ourselves: an attractive body, a meaningful life, and increasing competence and ability. So the Body Rule dictates that mobile products must appeal to our sense of beauty but beauty in a mobile world is both similar to and different from what it means offline. The Spirit Rule says mobile products must help us address our deepest needs, both as individuals and as members of communities. And the Mind Rule explains that businesses that want to succeed in mobile need to continually analyze the user experience and use that data to refine and improve their products. Great mobile products replicate and amplify human behavior and interaction, writes Moatti. They don't replace human relationships; they enhance them. A strategy manual rather than a technical treatise, Mobilized includes case studies from mobile pioneers such as Facebook, Uber, Tinder, WhatsApp, and more. The market is full of how-to books for programming apps, but no works examine what is required for business success in the mobile era. Until now."

    It delivers business wisdom aimed at keeping clients by utilising the keys to modern marketing - price, brand, packaging and relationships.

    Flip Your Future is for anyone wanting to break free from the nine to five and live the life of their dreams. Whether you're new or experienced in real estate investing, Flip Your Future will teach you everything you need to know about flipping houses to ensure maximum profitability—and security for your future.