Approaching or beginning retirement is a milestone event. For most of our lives retirement feels like it’s on the distant horizon, something to think about tomorrow rather than today. When the day finally does arrive, for many it can feel a little daunting and overwhelming – how should one spend all this new found free time? Olivia Greenwell has the answers, with friendly advice on: How to navigate your way through the questions you may have New opportunities that could present themselves in retirement How to find further information on the exciting opportunities presented As you experience the wonderful peace and contentment of retirement, this book will help you discover what makes you happy, and how to enjoy your life to the fullest. What are you waiting for? Start living the retirement you always dreamt of, by uncovering all the tools you need today!

    John was a still sleepy island, this updated version provides a respite from busy Cruz Bay. The guide offers an insiders view into the quintessential St. John with its hiking trails, scrambles and gut walks. Singer, a long time island resident, provides a framework for reference with lots of fast facts and an easy to read description of places of interest, flora and fauna, amidst a well laid backdrop of St. John s rich history and island legend. --Virgin Voice, December 2006 January 2007

    This comprehensive boxed set assembles Books 1-4 of this classic method. The books feature colorful, amusing characters and illustrations, and the four accompanying CDs contain backing tracks to make learning and practicing even more fun. This unique package features a built-in storage carton!

    Follow Richard and Felicity who are at the end of their financial rope, Morgan who needs a medical miracle for his son, and Ray who needs to find $4.5 million dollars by Wednesday as they each discover their portals to genius. Built on the premise that the solution to every problem is just an idea away, Leslie Householder (award-winning best selling author of The Jackrabbit Factor: Why You Can) and Garrett B. Gunderson (New York Times best selling author of Killing Sacred Cows), bring you an experience you'll never forget through this brilliant work true to its name: Portal to Genius.

    Your guide to a higher math score on standardized tests*SATACT(R)ASVABGMAT(R)GRE(R)CBEST(R)PRAXIS I(R)GED(R) And More!Why CliffsNotes?Go with the name you know and trustGet the information you need-fast!About the Contents:IntroductionHow to use this bookOverview of the examsPart I: Basic Skills ReviewArithmetic and Data AnalysisAlgebraPart II: Strategies and PracticeMathematical AbilityQuantitative ComparisonData SufficiencyEach section includes a diagnostic test, explanations of rules, concepts withexamples, practice problems with complete explanations, a review test, and aglossary!Test-Prep Essentials from the Experts at CliffsNotes(R)For more test-prep help, visit CliffsNotes.com(R)*SAT is a registered trademark of the College Board, which was not involved inthe production of, and does not endorse, this product.

    Instead, "Baseball Prospectus 2016" contains significant improvements along with the usual key stat categories, player predictions and insider-level commentary that readers expect from Baseball Prospectus annual guide."Baseball Prospectus 2016" once again provides fantasy players and insiders alike with prescient PECOTA projections, which "Sports Illustrated" has called perhaps the game s most accurate projection model. Still, stats are just numbers if you don t see the larger context, and Baseball Prospectus brings together an elite team of analysts to provide the definitive look at all thirty teams their players, their prospects and their managers to explain away flukes, hot streaks, injury-tainted numbers and park effects.Nearly every major-league team has sought the advice of current or former Prospectus analysts, and readers of "Baseball Prospectus" 2016 will understand what all those insiders have been raving about.In a book that sports personality Ken Tremendous calls The tip of the nerd spear, the team at Baseball Prospectus is proud to bring the following improvements to the 2016 Annual:Two full years of projections PECOTA lines for 2016 and 2017Historical Peak MPH added for major-league pitchersDeserved Run Average (DRA) added for major-league pitcherscFIP added for major-league and minor-league pitchersPitcher WARP redesigned, utilizing DRA and cFIP for all pitchersRevised cFIP-driven PECOTA pitching projectionsCatcher-specific defensive stats for all catchers Double-A and aboveOutfield assists and catcher defense integrated in FRAA and WARPBallpark schematic and wall height study for every stadiumHit List, finance, and farm system ranking graphs for each teamEvery organization s key front office personnel and Baseball Prospectus alumni identified"

    Acclaimed photographer Neil van Niekirk presents seven distinctly different lighting scenarios—available light, exposure metering, a touch of flash, bounced on-camera flash, off-camera flash, video light, and hard sunlight—to show readers how to manipulate the direction and quality of light, the subject’s and photographer’s position, and numerous other variables so as to turn a bad image into a stunning, professional-level portrait. Packed with dozens of instructional, full-color photos, this work also features 10 sample photo sessions, allowing readers the opportunity to see the seven lighting scenarios put to practice.

    The revised edition provides additional grammar topics and expanded treatment of others, more exercises and progress tests at intervals throughout the book, and more illustrated dialogues and texts (the grammar presentations make frequent use of pictures and dialogues to establish contexts for use).

    It feels creative and satisfying and will set you up for a lifetime of good habits, no matter the age you are starting from. My wish for this book is that it encourages you to think about money in a way that makes you feel in control, uplifted and inspired to steer yourself towards a joyous and prosperous future. I want to share my contagious beliefs that dealing with your money can be fun and exciting. I know many women have a fractious relationship with their finances and can often be quite scared of dealing with things. I have felt that way in the past too. I do hope you will join me in this journey because it feels so much better to have a good relationship with your money than not. I love the saying Look after your money, and your money will look after you. It does not have to be scary, and you do not have to worry about becoming greedy if you focus on your finances; all that will happen is that this important area of your life will feel happier, freer and more bountiful. It is a glorious feeling and it is well within your reach. I hope that by the end of this book you will be eager and enthusiastic about your own finances, in fact, I am sure you will. ~~ Fiona Ferris Contents: Introduction How I became interested in personal finance About this book Chapter 1. Start from the beginning What do you believe about money? Make your finances fun and enjoyable Simplify your life Chapter 2. Be savvy and a good steward of your money Living well on a moderate income Add up what your vice is costing you Try out cheaper options ‘The free part’ Cap limits in your life Decide for yourself what you splurge and save on Spend more time at home Make your own meals most of the time Do not be afraid to ask for gifts Slim down your magazine choices Chapter 3. Live like a millionaire now and feel rich every day Do not wait to be rich to feel good Use your good things Surround yourself with beauty Keep only what your future self would have in her beautiful home Visit five-star luxury and soak it in Replace broken items with quality, cherish the rest Feel luxurious in budget-friendly ways Curate your wardrobe Cultivate an expensive-looking personal style Have an elegant personal demeanour ‘Expensive’ décor on a budget Chapter 4. See how you rich are already Know where your finances are at Speak positively about your finances Cultivate a happy and relaxed feeling around money Contentment as a financial tool Think beyond a purchase to its exit Chapter 5. Inspire yourself to a wealthy future Keep your vibration high Share your dreams with your other half Commit to being debt-free Take inspiration from expensive stores Read inspirational money books and find fun ways to educate yourself Think as if you were creating your own personal brand Have role models Chapter 6.

    . . and never count calories again!If you are following a popular diet -- whether it is low-carb, low-fat, food combining or limited calories -- it is killing you. It is breaking down every component of your body, causing destruction of your healthy muscle tissue and aging everything from your brain cells to the skin on your face.But there is an alternative. You can have the body you want without dangerous diets, unproven supplements and punishing workouts. Dr. Schwarzbein's revolutionary program uses the body's metabolic system to help you postpone or reverse the degenerative effects of aging and lose weight for life by:Balancing carbohydrates and fat - without eliminating food groups or counting calories Managing stress and getting a great night's sleep Tapering off and reversing cravings such as tobacco, alcohol, caffeine and sugar Switching from strenuous cardio exercise to moderate resistance training and stretching Balancing your hormones with the right kind of hormone replacement therapy This is the book Dr. Schwarzbein's hundreds of thousands of fans have been waiting for -- a simple straightforward program that will finally break the cycle and give you longer life, permanent weight loss and increased energy . . . the healthy way."In the sea of diet/lifestyle books, The Schwarzbein Principle is one of the most balanced, sensible and effective programs . . . I applaud Dr. Schwarzbein's revolutionary yet realistic approach to food." - Christiane Northrup, M.D., author of The Wisdom of Menopause

    Poverty thrust them forward instead of keeping them back. Therefore, if you are poor make your circumstances a means to an end. Have ambition, keep a goal in sight and bend every energy to reach that goal. A story is told of Thomas Carlyle the day he attained the highest honor the literary world could confer upon him when he was elected Lord Rector of Edinburgh University. After his installation speech, in going through the halls, he met a student seemingly deep in study.

    This daily reader contains inspirational quotations from Overeaters Anonymous literature along with the experience, strength and hope of Overeaters Anonymous members.

    Incorporated in the textbook are useful illustrations and exceptional photographs of complex sailing concepts. There are also quizzes at the end of each chapter, and a glossary to help those new to sailing to navigate their way through the extensive nautical terminology.

    It's easy to struggle in the midst of change, and each season brings new challenges. But we need reinvention: the kind that leads us to new fulfillment and our calling in Christ. To REINVENT ourselves in Christ means a transformation in our hearts, souls, bodies, and minds. And we can achieve this by biblically exploring and answering the questions: What do you want? What do you have? What will you do? and Why will you do it?Let the baggage of the past become history today. Let God renew your hope, and you will experience the joy of living like never before. No matter what has happened, and no matter where you are on this journey, REINVENT will help you start fresh and love life!

    Suggested travel strategies and lists of must-see sights provide you with real judgments so you can decide where you should go, stay, and eat—without hassles or regrets. Practical information includes maps, photographs, illustrations, and suggested travel strategies and lists of must-see sights, plus essentials on dining, transportation, and accommodations for a range of budgets. Complete with details for enjoying an array of outdoor adventures, such as bicycling, bungee jumping, surfing, sport fishing, wildlife viewing, and off-road driving, Moon Handbooks Costa Rica gives you the tools you need to create a personal and memorable experience.