After all, he was the heir to the biggest clay works in all of Cornwall, and she was but the daughter of one of their workmen.For just as an unexpected passion began to blossom between Morwen Tremayne and Ben Killigrew, the fates seemed determined to stifle its growth. A long, bitter struggle between owner and workforce brought about Charles Killigrew’s sudden illness, and with it Ben’s summons to the head of the family firm.Morwen and Ben, innocent victims of other men’s antagonisms, find themselves party to a conflict not of their making, that threatens to cut them off not only from their families, but from each other…A touching, heartbreaking tale of a love that conquers all, Killigrew Clay is perfect for fans of Rosie Goodwin, Lesley Pearse and Linda Finlay

    This is how life begins for orphan Emma. Unwanted, cast aside and thrown on the mercy of strangers, she grows up wondering why. And what are the mysterious gifts each year placed where her cradle was once abandoned? Now blossomed to youthful beauty but shunned by society, the man she loves is forbidden to marry or court her. Driven from her presence she is bereft of family or friends and thrown to the harsh unforgiven streets. Driven to desperate measures, only a miracle can save Emma now! But Christmas is the time of miracles, and an unexpected friend leads the way to a marvelous happy ever after. Enjoy this beautiful, heart-warming and hope-filled Victorian Christmas romance. Read Churchyard Orphan today!

    Debtors come knocking aggressively on her door, making threats, and all she can do is pray that God sends help—fast! Help comes in the guise of a mail-order bride ad and soon Elizabeth is sailing to America, on her way to marry Edmund Williams in San Diego, California. But danger follows her across the ocean and into the arms of Edmund, who has also lost everything and stands to lose even more as he and his friends confront the Clawson Gang that is threatening San Diego. Just when it looks like two shattered lives may finally be mended, Elizabeth’s past reaches out to yank her back. Will Edmund’s steadfast love and Elizabeth’s faith be enough to save both their lives?  There are 6 clean and wholesome Mail Order Bride stories in this series that will touch your heart.  These are tales demonstrating qualities of fortitude, strength, and valor through biblical themes.  Stories you’ll find in this series are: Book 1 – A Home for Elizabeth Book 2 – A Sturdy Hand for Sharron Book 3 – Welsh Beauty for a Fierce FighterBook 4 – Irish Lass for a Wounded WarriorBook 5 – An English Bride for a Lonely CaptainBook 6 - A Highlander Bride for the Dark Rider

    It captures their key beliefs, explores their backgrounds, assesses their thinking and evaluates their legacy. It explains the schools of thought named after them and clearly shows how they influence our everyday lives.

    So when the one man who broke her heart many decades ago lands on her doorstep, she’s not willing to give him a chance again.Widowed Peter Taylor has reached the pinnacle of his career as an award-winning general surgeon and raised two accomplished children. But something seems to be missing in his life. So when he takes a road trip to see a friend and ends up meeting his long-lost love, he’s determined to find out why she left him many years ago.When they get trapped together in a barn, will they resolve their issues and give love a second chance, or will old secrets keep them apart forever?This story was previously published in the Love Under Lockdown Limited Edition Box Set.

    

    A determined young man has left Seattle behind to head north:With the lure of Alaska gold burning bright in his eyes, Thomas Thornton set out on a voyage to find fame and fortune. He left everything behind, with a promise to his girl he would return. Thomas soon learned that Alaska had other ideas about his future. With the grit and determination demanded by those that seek to tame Alaska, Thomas vows to see his dreams come true.

    Especially when the title comes with additional baggage: the obligation to hate the family of the woman he's secretly in love with.However, like a rose among thorns, their hope for a shared future is clipped abruptly. When Lorelei is pronounced dead after a terrible accident, all that remains of her is a single handkerchief with her blood on it...*If you like a realistic yet charming depiction of the Regency and Victorian era, then A Last Dance with the Forbidden Earl is the novel for you.This is Hanna Hamilton's 38th book, a historical Regency romance novel of 80,000 words (around 400 pages). No cheating, no cliffhangers, and a sweet happily ever after.

    As they see matters, wealth in the form of means of production and wealth in the form of consumers’ goods are essentially indistinguishable. For all practical purposes, they have no awareness of the existence of capital and of its importance. Thus, capitalists are generally depicted as fat men, whose girth allegedly signifies an excessive consumption of food and of wealth in general, while their alleged victims, the wage earners, are typically depicted as substantially underweight, allegedly signifying their inability to consume, thanks to the allegedly starvation wages paid by the capitalists.The truth is that in a capitalist economic system, the wealth of the capitalists is not only overwhelmingly in the form of means of production, such as factory buildings, machinery, farms, mines, stores, warehouses, and means of transportation and communication, but all of this wealth is employed in producing for the market, where its benefit is made available to everyone in the economic system who is able to afford to buy its products.Consider. Whoever can afford to buy an automobile benefits from the existence of the automobile factory and its equipment where that car was made. He also benefits from the existence of all the other automobile factories, whose existence and competition served to reduce the price he had to pay for his automobile. He benefits from the existence of the steel mill that provided the steel for his car, and from the iron mine that provided the iron ore needed for the production of that steel, and, of course, from the existence of all the other steel mills and iron mines whose existence and competition served to hold down the prices of the steel and iron ore that contributed to the production of his car.And, thanks to the great magnitude of wealth employed as capital, the demand for labor, of which capital is the foundation, is great enough and thus wages are high enough that virtually everyone is able to afford to a substantial degree most of the products of the economic system. For the capital of the capitalists is the foundation both of the supply of products that everyone buys and of the demand for the labor that all wage earners sell. More capital—a greater amount of wealth in the possession of the capitalists—means a both a larger and better supply of products for wage earners to buy and a greater demand for the labor that wage earners sell. Everyone, wage earners and capitalists alike, benefits from the wealth of the capitalists, because, as I say, that wealth is the foundation of the supply of the products that everyone buys and of the demand for the labor that all wage earners sell. More capital in the hands of the capitalists always means a more abundant, better quality of goods and services offered for sale and a larger demand for labor. The further effect is lower prices and higher wages, and thus a higher standard of living for wage earners.Furthermore, the combination of the profit motive and competition operates continually to improve the products offered in the market and the efficiency with which they are produced, thus steadily further improving the standard of living of everyone.In the alleged conflict between the so-called 99 percent and the so-called 1 percent, the program of the 99 percent is to seize as far as possible the wealth of the 1 percent and consume it. To the extent that it is enacted, the effect of this program can only be to impoverish everyone, and the 99 percent to a far greater extent than the 1 percent. To the extent that the 1 percent loses its mansions, luxury cars, and champagne and caviar, 99 times as many people lose their houses, run-of-the mill cars, and steak and hamburger.

    Still, there is something holding her back: If you have Brandon does not return her feelings, not only will their friendship be ruined, but so will her chances to make her family proud.Brandon Risewell, Marquess of Belton, is not your typical noble. Resourceful businessman but introverted, he'd rather stay away from the public eye, much to his strict father's dismay. Especially when rumors about Edyth's upcoming nuptials to someone start circling the ton. Someone who is not him.Much like in their business world, love is often unpredictable and unforgiving. And when Edyth and Brandon finally find their way down the aisle, hand in hand, they are not ready to see that it leads to a bloodied altar. All it takes is one little push...*If you like powerful Dukes, loving Duchesses and a marvelous depiction of the majestic Regency and Victorian era, then Insincerely yours, My Marquess is the novel for you.Emma Linfield's 48th book is a historical Regency romance novel of 80,000 words (around 400 pages). No cheating, no cliffhangers, and a sweet happily ever after.Pick up "Insincerely yours, My Marquess" today to discover Emma's amazing new story!

    So, she applies for the position of governess for the Earl of Haskett’s children, and takes it upon herself to bring the light back to their lives.Graham Gulliver, the Earl of Haskett, is still haunted by the loss of his wife. When he employs a new governess, he is glad to see the house slowly fill up with laughter again. But he wasn’t expecting her to capture his attention as well!As much as they try to hide their feelings, their hearts secretly yearn for each other. But the awfully familiar figure watching them from the shadows is willing to go to extreme measures to keep them apart. Caroline is forced to take a heartbreaking decision, and Graham needs to hurry, lest he loses the woman he loves for a second time...

    

    Her husband is a terrible man, who never misses a chance to embarrass, and terrify her. Desperate for a way out, she accepts her friend’s offer for help, no matter the cost...Francis Gibbs, the Duke of Hayward, has sworn to never marry. Uninterested in any of the Ton’s happenings, he visits London after years of absence to see his beloved sister. When she asks a favor of him, though, he fears he might be going too far. For she’s asking him to shelter a married woman from her own husband...Just as life starts to seem hopeful again for Phoebe, her old nightmares surface again. The demons of her past will not accept her happiness, and will do anything to grab her back in their claws. Francis must make an impossible decision soon: how far is he willing to go to protect the woman his heart is beating for, even if she isn’t his to begin with?

    It is important for every person to save for one’s retirement as one can expect to live for twenty years after one retires as life expectancy of an Indian is going up steadily due to lower infant mortality and better medical care. There is a complete absence of social security safety net for most Indians today, even for those working in Government sector, there is no inflation adjusted pension available anymore. I have tried to simplify the advantages and disadvantages involved in investing your savings in various asset classes. I have deliberately left out two of the most popular forms of investment among middle class Indians 1) Life insurance 2) Real estate Let us consider life insurance first most of us confuse insurance as an instrument of savings, it is not. We have this wrong view because of the tax breaks given to income tax assesses by the Central Government. Insurance is a product that mitigates risk and is sold by the rich to the middle class and is always skewed in the favour of the insurer rather than the insured. A substantial portion of the total money invested by you goes towards paying agent’s commission and premium for insuring you for the risk of mortality. The balance left out is invested in government securities and other securities. Hence the amount of money invested out of the total premium paid is less than half paid by the insurer. The return on money invested by the policy holder is less than half of the money he would have earned either in bonds or fixed deposits. A person who needs insurance is a person whose family will need support in the event of his untimely death. Alternately insurance is required for a person who has debt in form of mortgage and does not want to burden his family in the event of his passing. The product which covers these risks is called term insurance. One should not buy insurance to avoid taxes as there is better tax saving tools available. Real estate is also considered as a good investment by several retail investors but nothing can be further from the truth. Nobody makes money by buying plots in the middle of nowhere. The easy availability of mortgages from the nineties and the tax breaks given by the Central Government on housing loans has created an unparalleled boom in the residential market. There is now a painful correction process under way in that sector. The price of land is reflexively connected to availability of money. The lower the cost of money, greater the returns in real estate. Buying plots in the middle of nowhere is similar to buying lottery tickets as investment. Land cannot be liquidated immediately into cash at a short notice to meet urgent requirements. Cost of maintenance and protection of real estate from illegal occupation is prohibitive and time consuming. Verification of title deeds to the property is a complex process and needs sound legal advice. You should have a house to live and another to collect rent as rent is equivalent of inflation adjusted pension. The return on investment generated in the three different asset classes over 25 years would be in the following order 1) Equities 2) Gold and finally 3) Debt instruments. I enjoyed writing this book as a companion volume to my first book. It is my fond hope that you enjoy reading this book.

    Economics, finance, business & management