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.

    You have an opportunity to learn it quickly and easily in just a few hours.</i></h2><br><p>Adjusting APERTURE, DEPTH-OF-FIELD, SHUTTER SPEED, ISO and EXPOSURE will no longer be sources of stress, and your confidence will be greatly enhanced. With very little time and effort you can be well on your way to taking better pictures consistently. </p><br><ul><li>Do your eyes glaze over when people use terms like ISO, Aperture, Shutter Speed, and Exposure?</li><li>Does the term f-stop make your stomach turn?</li><li>Are you enthused about photography but confused by all the technical jargon?</li><li>Would you like to be more consistent with the quality of your images?</li><li>Do you wonder how professional photographers get such great shots?</li></ul><br><h2> Ultimately you will need to understand Exposure and its components Aperture, Shutter Speed, and ISO — also known as the Exposure Triangle — and how they work together if you want to have any control over your results.</h2><br><p><b><i>Mastering Aperture, Shutter Speed, ISO, and Exposure: How They Interact and Affect Each Other </i></b> will painlessly provide help and insight with all these topics and more in just a few hours of your time</p><br><p>Without a guide on your path to better pictures, you run the risk of spending a great deal of time and money heading down the wrong road. Frustration and confusion can easily take the wind from your sails and replace excitement with disappointment. </p><br><p>This guide to EXPOSURE builds a solid foundation of photographic knowledge with easy-to-follow discussions of everything that you need to know in order to create better images with confidence. Every photographic term used in the book is clearly defined and thoroughly explained. All terms are also highlighted by using <b>BOLD CAPS</b> so that you can easily find them again to refresh your memory. </p><br><h2>What reviewers have said about Mastering Aperture......!</h2><br><p><b>Despite this book's rather advanced topics, it is perfect for beginners wanting to learn more.</b> Jeff</p><br><p><b>A great guide for all levels of photography, well written and illustrated!!!</b> Albert</p><br><p><b>This is another great book of Al's. He does a wonderful job at explaining all the needed information to better understand photography. Very easy to understand and lots of pointers.</b> DJ</p><br><p><b>As I am about to commence a photography diploma this book has come in handy as a warm up for me.</b> Craig </p><br><h2> By the time you finish reading this book, you will be well on your way to Mastering Aperture, Shutter Speed, ISO and Exposure </h2><br><p>To learn about Al's other photography books, please go to his author page at: http://www.amazon.com/author/al.judge </p><br><h2>Why spend any more time “Shooting in the Dark?” Scroll up and grab a copy today for less than the cost of a cup of coffee.</h2>

    Discover and master the fiery temperament shared by great leaders, entrepreneurs, artists and AD/HD-ers. Are you: - Impulsive? - Risk-taking? - Distractible? - Sensation-seeking? - Insightful or Intuitive? Do you: - Crave risk and excitement? - Have an addictive personality? - Rebel against authority? - Think differently? Then you are a DaVinci. Discover the secret genius that drives risk-takers, rebels, entrepreneurs, artists and ad/hd-ers to achieve greatness. Learn how to express this fire and harness it productively. About the Author Garret LoPorto, has been featured in The New York Times, Money Magazine, The Boston Globe and The London Financial Times. He is a successful entrepreneur, CEO, presenter at MIT, U.S. & International patent-pending inventor, and father of two children. He lives with his wife and children in Concord, Massachusetts.

    This work is aimed at the business person who wants to understand the revolution taking place in electronic commerce. It explains the emerging technology and network infra-structure, and emphasizes the business applications and mercantile strategies, challenges and opportunities of conducting business on the information superhighway. The study also describes pertinent standards and protocols.

    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.

    You may find it for free on the web. Purchase of the Kindle edition includes wireless delivery.

    The best-selling banjo method in the world! Earl Scruggs's legendary method has helped thousands of banjo players get their start. The Revised and Enhanced Edition features more songs, updated lessons, and many other improvements. It includes everything you need to know to start playing banjo, including: a history of the 5-string banjo, getting acquainted with the banjo, Scruggs tuners, how to read music, chords, how to read tablature, right-hand rolls and left-hand techniques, banjo tunings, exercises in picking, over 40 songs, how to build a banjo, autobiographical notes, and much more! The book/audio version includes recordings of Earl Scruggs playing and explaining over 60 examples! Audio is accessed online using the unique code inside the book and can be streamed or downloaded. The audio files include PLAYBACK+, a multi-functional audio player that allows you to slow down audio without changing pitch, set loop points, change keys, and pan left or right.

    One of the friends, whose cautious past serves as a way of life, will start to learn that not all is what it seems. Ultimately, one of these three friends will have to consciously decide if the reality is worth the risk.From author Duane Cousin comes Boring to Billions, part of the Adventures of a High Roller Series, a mesmerizing collection of short stories about believing in oneself and risking it all to get to the truth.

    From humble beginnings, Oprah has had a lifetime of experiences and touched the lives of millions of people. Her long running show The Oprah Winfrey Show covered a wide range of topics with sensitivity and dignity. It is from these experiences that Oprah has developed philosophies which can help anyone through all aspects of their lives. This book compiles 40 of Oprah’s inspirational life lessons and powerful wisdom. This includes; ● Inspiration to find your true passion and dreams ● Understanding of the barriers stopping you from achieving your goals ● Learning to recognize the positive influences in life ● Embracing your sense of self and the guidance of your inner voice. Whether you are looking to boost your career prospects, improve your relationships or ignite personal growth, Oprah’s life lessons can help. If you have been yearning to change your mindset, your life, your finances, your relationships then consider immersing yourself into the quintessential wisdom of Oprah Winfrey - one of the most respected women in the world. Oprah's inspirational quotes and life lessons can help you towards accomplishing your goals and achieving your dreams.

    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.

    Throughout the writing process of this edition, the authors worked closely with a developmental editor to help ensure the text is student-friendly and even more responsive to the variety of learning styles. The text is enriched with real-world examples and illustrations from a variety of business environments. Futhermore, the text's new, four-color design allows instructors a high degree of flexibility and emphasis.

    Up-to-the-minute coverage now includes digital assetmanagement; metadata standards; the role ofInternet, FTP, and e-mail technologies; the impactof media consolidation on assignment and stock photography;and much more. This indispensable guidecovers the full range of business and legal questionsthat photographers might have, with comprehensiveadvice from the ASMP, the foremost authorityin the field. In eleven in-depth chapters, morethan two dozen industry experts explore pricingand negotiating, ethics, rights in traditional andelectronic media, publishing, and much more. Businessand legal forms, checklists, and an extensivecross-media bibliography make this the one reference book that deserves a place on every successful photographer's bookshelf.• Covers all of today's most urgent issues in photography• Contributions from more than two dozenexperts, all professional photographers• 60,000 copies sold!

    Her newest book, Be a Direct Selling Superstar, is an all-encompassing guide to building, leading, and managing a direct sales organization, a book that can help anyone else generate new source of income and turn a major profit. Gain an advantage over the estimated 15.6 million people involved in direct selling in the US (over 100 million worldwide) and achieve long-term success in direct selling with this how-to on goal setting, effective marketing, persuasive communication, networking, influencing, work-life balance, time management, and financial planning.With a clear, strategic understanding of the benefits of direct sales--including low start-up costs, strong earning potential, and a flexible work schedule--Christensen leverages her personal experience to help you become a superstar at direct selling. You’ll be equipped to enter the lucrative arena of enterprise building and, ultimately, create and lead a team that will help you achieve your financial dreams.

    Many of us grew up with Rin Tin Tin, or we saw German Shepherds in nightly news reports breaking up riots, or we saw them in neighbors' backyards protecting children. But that only scratches the surface of one of the most fascinating and confusing breeds on earth. Whether it's selection, nutrition, routine health care, training, competition, or just having fun, there's more to it with a German Shepherd than with other breeds. And if you're thinking about adding one to your family, or you already have one, you need to know all you can about this breed. Which is where German Shepherds For Dummies comes in. Is this noble and intelligent breed the right dog for you and your family? German Shepherds For Dummies provides the answer to this and all your questions about getting, caring for, and living with this loveable breed. Lifelong German Shepherd owner and longtime German Shepherd breeder, trainer, and exhibitor, Carline Coile, PhD, gets you up and running with what you need to know to:Find and communicate with reputable breeders Choose the right German Shepherd for you Housebreak and socialize your new puppy Educate yourself and your dog Handle behavioral problems Participate in competitions Dr. Coile provides insights into the German Shepherd temperament and loads of sensible, easy-to-follow advice, along with fun facts and Shepherd trivia, amusing and informative anecdotes, and tips on how to have a great time with your dog. Discover how to:Understand how to communicate with your German Shepherd Train your German Shepherd Find a good trainer and attend classes Deal with hereditary health problems Feed and exercise your German Shepherd Recognize, prevent and treat common health problems Have loyal friend for life The indispensable guide for you and your German Shepherd, German Shepherds For Dummies is the only book you'll need to help you have the best possible experience with this handsome and sensitive breed of dog.

    I’m an average guy who learned how to “ask more” to “get more” out of life. The strategies and techniques I outline in this book can help you get just about anything—a better job, a new house, or a great vacation—faster and more consistently if you’re willing to follow my advice.