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.

    Learn the Alphabet and pronunciation as well as useful phrases in 8 categories, such as greetings, travel and directions, making friends to business and emergencies. Download, read and enjoy your vacation like never before.

    When it collapsed in February 2014, lawyers across Canada and the business community were stunned. What went wrong? Why did so many lawyers run for the exit? How did it implode? What is it that holds professional partnerships together?This is the story of the rise and fall of a great company by the ultimate insider, Norman Bacal, who served as managing partner until a year before the firm's demise. Breakdown takes readers into the boardroom offices during the heady growth of a legal empire built from the ground up over 40 years. We see how after a change of leadership tensions erupted between the Toronto and Montreal offices, and between the hard-driving lawyers themselves. It is a story about the extraordinary fragility of the legal partnership, but it's also a classic business story, a cautionary tale of the perils of ignoring a firm's culture and vision.Normal0falsefalsefalseEN-USJAX-NONE<!--StartFragment--><!--EndFragment--><!--EndFragment-->

    Packed with powerful, fast-acting techniques – including a novel routine to get any class quiet in 15 seconds or less – this book helps teachers across all age groups connect and succeed with hard-to-reach, reluctant learners.  You’ll d iscover: The simple six-step plan to minimise & deal with classroom behaviour problems How to gain trust & respect from tough, hard-to-reach students How to put an end to power struggles & confrontation How to have students follow your instructions… with no need to repeat yourself The crucial importance of consistency (and how to achieve it) Quick and easy ways to raise engagement and enjoyment in your lessons The ‘Clean Slate’ – a step by step method you can use to ‘start over’ with that particularly difficult group of students who won’t do anything you say. Take Control of the Noisy Class provides hundreds of practical ideas and interventions to end your classroom management struggles & create a thoroughly enjoyable lesson climate for all concerned.

    Baseball Prospectus 2007 continues that tradition, bringing together the top young baseball writers and analysts in the business to provide a definitive look at the season to come. Featuring humorous and incisive essays on all thirty teams and an in-depth look at every major league player and all the top prospects, Baseball Prospectus 2007 offers the cutting-edge analysis that has inspired nearly every major league team to seek the advice of current or former Prospectus writers. Also included are projections of player stats for next year, as determined by the groundbreaking PECOTA system, which Sports Illustrated has called “perhaps the game’s most accurate projection model.” The most authoritative and entertaining book of its kind, Baseball Prospectus 2007 is as essential to the baseball- watching experience as hot dogs and cold beer.

    These steps will show you: the myths about writing that make us feel like we're not "good enough" to be an author, how to develop the good writing routines and a solid timeline, how to write a first draft and revise the draft, how to bring in beta readers and incorporate their feedback, and finally, how to pull it all together into a finished manuscript. When we're writing a book, we need inspiration, and we need the "how-to" pieces that we were never taught in school. Start Writing Your Book Today provides both. Over the last 10 years as a writing coach, Morgan has developed a blend of mindset and mechanics to help authors through feeling stuck and into power writing through their books. In this book, Morgan shares her methods with you, so that you can step up and become the writer you know you're meant to be.Each step of how to write your book is laid out for you. No more excuses. You'll be ready to finally start writing your book.

    It's like thinking the unthinkable. After all, the farm population is dwindling. It takes too much capital to start. The pay is too low. The working conditions are dusty, smelly and noisy: not the place to raise a family. This is all true, and more, for most farmers. But for farm entrepreneurs, the opportunities for a farm family business have never been greater. The aging farm population is creating cavernous niches begging to be filled by creative visionaries who will go in dynamic new directions. As the industrial agriculture complex crumbles and our culture clambers for clean food, the countryside beckons anew with profitable farming opportunities. While this book can be helpful to all farmers, it targets the wannabes, the folks who actually entertain notions of living, loving and learning on a piece of land. Anyone willing to dance with such a dream should be able to assess its assets and liabilities; its fantasies and realities. "Is it really possible for me?" is the burning question this book addresses.

    He hides in the corners of conformity. He only flaunts a quotidian nature. He meanders through the mundane and occupies the ordinary. Individual expression and exceptionalism are his enemies. The Gray Man is the forgettable face, the ghost guy, the hidden human. Implementing the concepts is more than looking less tactical, less hostile, or less threatening. It is the willful abandonment of anything and everything that defines oneself as different. Using his unique "S" word conceptual approach featured in Appear to Vanish, camouflage and concealment expert Matthew Dermody discusses the concepts, tactics and mindset necessary to assimilate into any urban environment. From the safety-conscious international traveler to the SERE contingencies of the deep cover foreign operative, GRAY MAN is the definitive urban concealment resource.

    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.

    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.

    It takes several years for that—more than a book and a couple of days of reading can promise.  But this gives you a plan for success before you even start. Think of it as a road map for your first 90 days!Now, you can start a solid blog with the potential to make money WITHOUT a $1,000+ blogging education! Here’s a snapshot of what’s packed into this how-to guide: Popular guru promises exposed! I expose the truth about popular revenue streams and why NOT ALL monetization options are right for you despite guru promises! The 2M (+1) strategy to help you hit your first $1K blogging. How to find YOUR unique angle, so you can stand out from the pack and attract the right kind of readers. The smartest ways to make critical website pages sticky—Make these pages shout out “YES, you’re in the right place!” and understand what you need and don’t need to include. Why some bloggers make the leap and others don’t. (It has everything to do with what they don’t do!) 3 MUST-ANSWER questions that will shape your blog’s journey. How to create a strategic blog launch plan and my answer to the question “How many posts do you need before launching?” (No more confusion or stress. Just an actionable plan for results.) AND MORE! Imagine knowing exactly what you need to focus on despite all the distractions pulling you in a million directions.Imagine if in a mere year you accomplish more than you ever thought possible, feel a sense of satisfaction, and actually make progress toward this larger vision of what you want your blog and business to do for you.You don't flinch, get panicky, or try different tactics hoping one sticks. You have a plan of action and every decision you make for your blog is calculated and intentional. That’s the power of the process and the promise behind The Blog Startup!Intrigued yet? Then scroll to the top and click or tap “Buy Now.”

    And he gives you step-by-step detail of everything he did, including the resources he uses to turn out content-rich books in no time at all. How To Write a Book This Weekend is a perfect strategy for first-time book writers who have been discouraged by the thought of pounding out words for months at a time. You'll learn:Where to find idea "factories" that allow you to "crowdsource" the hottest trending topics.Where to find idea "factories" that allow you to "crowdsource" the hottest trending topics.The little-known secrets used by a 19th century Russian immigrant to sell over 100 million print books.The "can't fail" method of choosing a title that makes your book irresistible to prospective buyers.A "backdoor" Google code that will instantly reveal a treasure trove of valuable research material for your book.The magic method that eliminates writers block and produces top quality content in a fraction of the time of other methods.Please note: This method has had proven success on many occasions when applied to non-fiction books. It may or may not be useful for fiction writers.

    

    He has perfected the perfect way for anyone to have a garden without weeding, bending over, or using chemicals. If you follow his step by step methods and suggestions you will be assured to grow a beautiful and productive garden this year, even if you have never gardened before. The best part is that if the soil in your backyard is less than productive it doesn't matter at all. If you have sunlight and water, you will have a great garden this year. From the Arctic Circle in Northern Alaska to the heat of the desert in Saudi Arabia, people are using this method, and having great success. The booklet is full color with 78 pages, and has a perfect bind booklet binding.

    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.