Forget complicated, abstract philosophy—people need sound financial advice that's easy to follow and can be implemented immediately. For the first time, a leading financial adviser has developed a remarkable set of guidelines to give individuals the same kind of objective insight into their personal finances that successful businesses have. Your Money Ratios will help readers effectively manage debt, invest prudently, and develop a realistic and effective savings plan to ensure both financial success and security. Readers need only plug their income and age into Farrell's ratios in order to get an instant picture of their savings status and overall financial health, as well as a roadmap for the important choices they must make in the future. Here’s what you will find in this book:IF YOU ARE IN YOUR 20s OR 30s: Your Money Ratios will tell you how to get started and what you need to do over the next 35 years to stay on track. If you are lucky enough to read this book when you are young, you will have a clear vision for where you need to go throughout your working career. By setting yourself on the right path, you won’t have to work so hard later in life to meet your goals.IF YOU ARE IN YOUR 40s: You can benchmark your own financial circumstances against the ratios and see how you are doing with respect to your savings, debt, investments and insurance. You have plenty of time to make adjustments if necessary and plot out your path to retirement.IF YOU ARE IN YOUR 50s: The formula will provide you with a realistic assessment of your ability to retire. It will help you make the important decisions about how to allocate your financial resources over the next 10 to 15 years, and how to put on the final push for retirement.

    pages are clean, tight and unmarked small stain on top pages edge

    Since founding his Toronto-based studio in 1985, Mau has become one of the world's most sought-after designers. He became an international figure following the publication of the groundbreaking and award-winning volume S,M,L,XL, which he designed and co-authored with Dutch architect and recent winner of the Pritzker Architecture Prize, Rem Koolhaas.Written by Mau and conceived and designed by BMD, Life Style is a collection of playful and critical statements about the visual and cultural trends that influence today's image-driven environment. The book showcases the methodology, philosophy, world view and projects of BMD.With over 1,000 images and available in a variety of luminous satin covers, each reader can choose his/her colour to match his/her life style.

    Two weeks later I was gone, witnessing my new world wizz by, especially at dusk, then darkness as I watched the sum of all the city lights cast my silhouette across the pine trees of the Florida panhandle. This was it, I was riding my very first freight train. And soon, what would begin as mere natural curiosity and self-discovery would evolve into a casting call of sorts, taking photographs of my newfound friends. — Mike Brodie11 x 13 Inches60 Four-color Plates104 Pages

    The result: more than thirty-five residences in fifteen countries -- and nearly every conceivable natural environment -- designed by a combination of star architects and heretofore unknown practitioners.Six different climactic zones are presented in The Green House -- waterfront, forest and mountain, tropical, desert, suburban, and urban; there is also a section on mobile dwellings. Each chapter features a series of homes that show the diversity and possibility of sustainable design. Projects are presented with large color images, plans, drawings, and an accompanying text that describes their green features and explains how they work with and in the environment.Architects included: Santiago Calatrava, Shigeru Ban, Miller/Hull, Rick Joy, Lake Flato, Kengo Kuma, Glenn Murcutt, Pugh & Scarpa, Werner Sobek, and many others.The Green House is not only a beautiful object in its own right, but is sure to be an indispensable reference for anyone building or interested in sustainable design -- and if you ask us, that should be everyone.

    Darcy and Elizabeth Bennet are off to Gretna Green! In Book 4 of the Moralities of Marriage series our dear couple have survived accidents, forced marriages, and meddling relatives. After a short stay at Pemberley where the future Mrs. Darcy comes to terms with the kind of wife Fitzwilliam Darcy will need on his arm, they take off for the border to marry over the anvil. When Mr. Darcy plans an idyllic wedding trip to his family estate just outside of Dumfries, the newly married Mr. and Mrs. Darcy discover the trappings of marriage have yet to relinquish their hold. The Trappings of Marriage delivers the highs of the Darcys’ love and devotion in spite of the lows of scandal and destruction they left behind in England. Join author Elizabeth Ann West and the thousands of readers who read this book as it was posted chapter by chapter for a unique visit into the world of Jane Austen's Pride and Prejudice.

    It is a direct result of bad choices made overtime that eventually turned into habits that masters you. Like a thermostat, once these habits are set, it becomes nearly impossible to break them without deliberate and intentional effort. 21 Habits of Highly Broke People dives into details on the habits that keeps people poor, and practical action steps you can take to break free from these habits. 21 Habits of Highly Broke People shows you: 1. How your choices about money is keeping you broke. 2. What the rich do differently from the poor. 3. How to break bad habits and replace them with positive habits.

    New York Underground takes readers through ingenious criminal escape routes, abandoned subway stations, and dark crypts beneath lower Manhattan to expose the city's basic anatomy. While the city is justly famous for what lies above ground, its underground passages are equally legendary and tell us just as much about how the city works.

    Inspirational, inviting, and beautiful, it combines stunning images with entertaining and informative text that captures the essence of being there.

    This book describes how they restored each room of this well-worn house and resurrected its abandoned gardens. It also includes simple decorating solutions.

    An investigation of ten famous exploration hoaxes, from Sebastian Cabot's disputed North American voyage of 1508-09 to Donald Crowhurst's desperate, suicidal bid to win the single-handed sailboat circumnavigation race in 1968.

    Bob Smith, founded Alcoholics Anonymous in 1935, his hope was that AA would become a safe haven for those who suffered from this disease. Thirty years after his death, AA continues to help millions of alcoholics recover from what had been commonly regarded as a hopeless addiction. Still, while Wilson was a visionary for millions, he was no saint. After cofounding Alcoholics Anonymous, he stayed sober for over thirty-five years, helping countless thousands rebuild their lives. But at the same time, Wilson suffered form debilitating bouts of clinical depression, was a womanizer, and experimented with LSD.Francis Hartigan, the former secretary and confidant to Wilson's wife, Lois, has exhaustively researched his subject, writing with a complete insider's knowledge. Drawing on extensive interviews with Lois Wilson and scores of early members of AA, he fully explores Wilson's organizational genius, his devotion to the cause, and almost martyr-like selflessness. That Wilson, like all of us, had to struggle with his own personal demons makes this biography all the more moving and inspirational. Hartigan reveals the story of Wilson's life to be as humorous, horrific, and powerful as any of the AA vignettes told daily around the world.

    Most have never been published before. Taken to provide a unique record of whole districts of London as they were vanishing, each of the photographs is a full-plate image, a stunning work of art in its own right.

    Suitable for junior secondary students - Covers poetry, drama, recount, explanation and discussion - Draws examples from contemporary novels.

    Future Luna? She was Damien’s mate! They were going to get married! Why on earth did Damien marry me? That young lady murmured some curses and left the room.Adeline ran towards me, “Are you ok, Lotus?”I could not answer her immediately. I had no clue that I would be facing something like that. That girl talked about my husband. They are getting married. I felt a little heart broke. But, again, why should it matter? Everyone knew how these treaty marriages worked.“Is that true? Is she the Luna?” I asked with a trembling voice.Adeline looked to her left and right and then came closer to me.“The fact is our alpha is mateless. We don’t think he intends to find his mate either. He is not made for a mate or marriage. He gets bored easily, and hence he changes his partner very frequently.”She almost whispered in my ear. “I heard that sometimes he takes multiple partners at a time just for fun!”She said even in a lower voice. “Cersei is his new partner, and she has lasted almost one month, where others lasted only for a couple of days.”