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.

     You know it’s been rattling around in your head since you were young. You want to write a book because the call of the muse has been getting stronger. And, perhaps you have heard You Must Write a Book. The two keys to success for aspiring authors is consistency and a little bit of time. Honorée Corder and Brian D. Meeks are full-time authors who have written over three dozen books combined, both fiction and non-fiction. Honorée is an expert in non-fiction and Brian has penned tomes across five fiction genres. They’ve combined their knowledge to lay out the best practices and answer the most common questions they hear from new authors. The Nifty Fifteen will take you from the blank page to finished book by wiping away the fear that is born of not knowing where to begin. In addition, you’ll be given access to Brian’s Beautiful Gears, which is a session by session look at how he wrote his 13th novel in just fifteen minutes per day. You’ll see the unedited work with all of its errors to show how a full-time author is worried about one thing…get the first rough draft out. The edited version, all polished up and without the daily comments, will also be made available upon its release. Lastly you’ll be given exercises that will make the process easy to undertake. Everyone has a story to tell. It just takes a little time each day, so why not give The Nifty Fifteen a read.

    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.

    Benefit from 20 years of investing and trading experience Limit your chances of trading ruin by learning from someone with more than 20 years in the stock market and who used these very strategies to go from zero to multiple six figures in his investment accounts. Steve will teach you how to start from the ground up and build a sizeable account, even if you're starting from zero. It's never too late to start investing in your future! Not sure where to start? Maybe you aren't sure how the stock market works, or if you should fully invest in your company's 401K, and what's a ROTH, anyway?? Steve will answer this and so much more in this easy to understand and implement guide to investing. A strong investing foundation This book will give you a strong foundation to begin your investing journey. Easy to understand explanations of complex topics Detailed, real life examples Learn what to go all in on, and what to avoid like the plague Buy now and build your future financial security This book is a must read for anyone wanting to secure their future. If you're fifty or younger, Social Security is not a 'sure thing'. Make your own wealth and secure your own retirement by implementing the steps in this book.You can find Our eCourses at New Trader U, and you can follow Steve on Twitter: @sjosephburns

    This book is designed to give you a cultural immersion into Cuban life, and to provide you the tools and background information to truly make the most of your visit. It gives you the confidence and knowledge to break away from the tourist areas and experience the real Cuba. You want to explore the rich culture. Be transported back to a simpler time. Experience Havana’s romance and the beauty with the same carefree joy as the locals. See everything you want to see and go everywhere you want to go. The Real Havana guide shows you how to do all that and lots more. In the guide, you will learn about: ● Authentic Cuban cuisine and affordable Havana restaurants. ● Low-priced markets, shops and entertainment options. ● Maps of Havana and the suburbs – Get out of the city and EXPLORE! ● Instructions on using communal taxis particulares and all the major routes. ● Contact info and reviews of over 30 casa particular apartments in Vedado. ● Fascinating, offbeat places which are hidden from foreigners. ● Hundreds of tips on saving money while in Havana. ● How to avoid the most common tourist scams. This book is not a tourist guide. It’s not a list of restaurant reviews and attractions, like all the other guides. With this book, you will learn about the authentic, local places. Locations which are hidden to regular tourists. Naturally, these places are also very inexpensive. So, in effect, you will not only be immersed in authentic Cuban life, but you will also save money. BONUS: The last section of this book includes the Cheap Casa Particular Guide. You will find listings and reviews of over 30 apartments and rooms to rent in the Vedado neighborhood of Havana. These casas particulares have been hand selected out of the thousands available in Havana. They are not only the most affordable, but they are also among the cleanest, best maintained, and best located. The hosts are extremely hospitable and most speak multiple languages. The best part is that you get the full contact information for the casas, so you can call or email the hosts directly and book your stay without having to deal with expensive brokers or middlemen. By booking your reservation directly with the landlords, you are certain to save at least $5 to 10$ per night in brokerage fees. That alone is easily worth the purchase price of Real Havana guide. About Full Compass Guides Full Compass Guides are aimed at travelers who want to understand local customs and culture so that they can experience destinations like a local. Unlike regular tourist guides, Full Compass guides are not a list of attractions popular with tourists, and boring restaurant and hotel reviews that are obsolete the moment they are published. With our guides, you get succinct, useful information about the culture, people and geography of your destination so you have the tools and the confidence to explore on your own, experience everything that your destination has to offer, and save money. Our guides are written by experienced travelers who have intimate knowledge of both the location and the culture of the destination. They give you the exact information you need in order to make the most of your travel time.

     John Grisham has been writing dozens of novels in various series and genres for over 15 years. As a fan, it can be difficult to keep up! The Reader's Friend reference list for John Grisham is a complete list of every John Grisham title, and is designed for maximum convenience and functionality. Keeping track of your Grisham addiction had never been easier! All of the info you need, and none of the clutter you don't. We're readers just like you, and we know you don't need a lot of junk in your reference list. Our John Grisham list is designed to be clean and optimally usable: The info you need, right there where you need it. No flipping back and forth in the table of contents, no scrolling through filler. AND IT'S SO SIMPLE TO USE: Check off the books you've read with a single tap! — Just use your Kindle's built-in highlighter. Instructions are included! Get free updates regardless of how you purchased the list — We update immediately every time a new John Grisham title is released, so you'll never be out of the loop! Browse titles CHRONOLOGICALLY, BY SERIES, or BY GENRE — Whichever is most convenient for you! For a preview, just click the book cover to the left and "LOOK INSIDE!" EVERY JOHN GRISHAM TITLE IS INCLUDED: Jake Brigance (A Time to Kill) series Theodore Boone series All stand-alone mysteries and thrillers All stand-alone general fiction All short stories All non-fiction We've even included a bonus list of John Grisham's many adaptations, so that you can watch the TV series or movie when you finish a book! PLEASE NOTE: THIS IS A TITLE LIST ONLY, compiled for reference purposes to assist readers. No copyrighted material from the titles listed is included. This list is compliant with United States Copyright Office circular 34.

    The book contains simple methods for identification of multibaggers which the author himself is using. The book also contains some potential multibaggers identified by applying the same methods described in the book

    This is the one you want… Personally, I will check out any book this author writes about apps because, for some reason, maybe a bad case of OCD, he is obviously compelled to do the most thorough investigation into each and every aspect, good and bad of apps in a particular genre. My hat's off to him, and he has my thanks for saving me a ton of time and grief.” - Linda Abbott (Reviewer) Nearly 400 Pages of In-Depth Reviews, and Tips and Tricks to Help You Get The Most Out of Your Free Kindle Fire Apps Question: Why Do You Need This Book? Answer: Because you have better things to do with your time than trudge through the Amazon App Store and test tons of apps until you find the best ones Question: OK. But Why Do You Need To Buy THIS Book? Answer: Because you need more than just a random list of “Top Kindle Fire Apps.” You also need: To know which apps to download first Tips and tricks for how to get the most out of the apps How to find help if you’re having a problem with an app An in-depth review describing what is good and what is bad about each app Problem: Even if you have a list of the top free apps, how do you know which ones to install first? Solution: At the end of this book, all the apps are ranked from best to worst according to a UNIQUE RANKING SYSTEM FOUND ONLY IN MY BOOKS Question: How Else Is This Book Unique? Answer: In addition to its unique ranking system, it also offers in-depth reviews that provide the following: A summary of what the app does A summary of what is good and what is bad about each app When available: The app developer’s contact information, website information, as well as links to pertinent articles about the app Tips and tricks for many of the apps (how to get the most from the app) A brief summary of the positive and negative reviews of the app on Amazon PLUS: A list of 6 must-have free productivity apps that every Kindle Fire owner should install to have greater control over their Kindle Fire A list of 16 free productivity apps that most Kindle Fire owners will find useful since they provide a great deal of functionality Question: OK…But What Types Of Apps, Exactly, Does The Book Include? Answer: A dizzying variety… Game Apps Arcade and Board game apps Mind game apps: Card, logic, and word game apps Kids Apps Educational apps and Game apps for kids: Apps for toddlers, preschoolers, elementary schoolers, and high schoolers in the following categories: Art apps, Book apps, English apps, and Math apps Productivity Apps Home

    He shares his investing philosophy and offers advice on all aspects of financial planning, including engaging an adviser; building a property portfolio; investing in shares, bonds or managed funds; growing your superannuation; and ethical investment.It’s Your Money is an indispensable guide for anyone who wants to do more with their money. Alan shows how, with a few careful steps and some practical wisdom, anyone can invest sensibly and successfully. He gives you the tools to be confidently in charge of your money and your future, your way.It’s Your Money is an indispensable guide for anyone who wants to do more with their money

     Here's A Preview Of What Machiavelli Mindset Contains... An Introduction to Machiavelli Seeing the World through Machiavelli’s Eyes Getting Over The Guilt Moving Above And Beyond Conventional Thinking Machiavelli's Thoughts On Generosity Compassion Vs. Cruelty (Is It Better To Be Loved Or Feared?) What Machiavelli Says About Honesty How To Achieve Success The Machiavellian Way The Qualities Of A Great Leader How to Avoid Attracting Hatred and Other Lessons from the Prince And Much, Much More! Download Your Copy Now And Get Ahead Today!

    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.

    Alfred's Basic Adult All-in-One Course is designed for use with an instructor for the beginning student looking for a truly complete piano course. It is a greatly expanded version of Alfred's Basic Adult Piano Course that will include lesson, theory, technic and additional repertoire in a convenient, "all-in-one" format. This comprehensive course features written assignments that reinforce each lesson's concepts, a smooth, logical progression between each lesson, a thorough explanation of chord theory and playing styles, and outstanding extra songs, including folk, classical, and contemporary selections. At the completion of this course, the student will have learned to play some of the most popular music ever written and will have gained a good understanding of basic musical concepts and styles. Titles: Alexander's Ragtime Band * Arkansas Traveler * Ballin' the Jack * The Battle Hymn of the Republic * Black Forest Polka * Black is the Color of My True Love's Hair * Bourlesq * Brahms Lullaby * Bridal Chorus from "Lohengrin" * Calypso Carnival * Canon in D (Pachelbel) * Chorale * Circus March * Danny Boy * Dark Eyes * Deep River * Divertimento in D * Down in the Valley * Etude (Chopin) * Farewell to Thee (Aloha Oe) * Fascination * Festive Dance * For He's a Jolly Good Fellow * Frankie and Johnnie * Guantanamera * Hava Nagila * He's Got the Whole World in His Hands * The Hokey-Pokey * The House of the Rising Sun * Hungarian Rhapsody No. 2 * Introduction and Dance * La Bamba * La Donna E Mobile * La Raspa * Light and Blue * Loch Lomond * Lonesome Road * Love's Greeting * The Magic Piper * The Marriage of Figaro * Mexican Hat Dance * Morning Has Broken * Musetta's Waltz * Night Song * Nobody Knows the Trouble I've Seen * Olympic Procession * Overture from "Raymond" * Plaisir D'Amour * Polyvetsian Dances * Pomp and Circumstance No. 1 * The Riddle * Rock-a My Soul * Sakura * Scherzo * Solace * Space Shuttle Blues * The Str...

    Breaking everything down into simple and achievable steps, he makes this daunting process easy. Learn how to:- Find your perfect pad- Choose which mortgage is right for you- Negotiate with estate agents and sellers- Organise exchange and completion Including indispensable advice, money-saving tips and an essential trouble-shooting section, this guide covers everything a first-time buyer needs to know. And when it's time to move on again, this book will show you how to sell your home too.Phil Spencer is one the best-known faces on British television, co-presenting the hit Channel 4 series Location, Location, Location and Relocation, Relocation. Phil has written regularly columns in The Sunday Times and Country Life, and is contracted to Archant publishing to write columns that are syndicated in the group's numerous local glossy magazines which are distributed nationwide. Recent TV appearances include on The One Show, Children in Need and The Friday Night Project, and Phil also regularly appears on the radio to discuss property issues.

    Now Jason Jennings, a bestselling author and international business consultant, offers a groundbreaking look at how to boost productivity and your bottom line.In Less Is More, Jennings shares tested and successful programs from the leading giants in industry and presents new trends that businesses of all sizes will be able to implement. Inside, you'll learn how to:increase sales 300 percent without increasing head countbecome 10 times more efficientkeep track of every pennyuse technology and automation in your favorWritten in the same breezy, informative style of Jennings's previous book, Less Is More is sure to join its predecessor on bestseller lists nationwide.

    Be sure to look inside the book to get a free sample of this quality product!