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.

    

    

    We’ve comea long way since then. With this book, Drs. Romero and Balch liftthe veil from many of these once-opaque concepts in high-techfinance. We can all benefit from learning how the cooperationbetween wetware and software creates fitter models. This bookdoes a fantastic job describing how the latest advances in financialmodeling and data science help today’s portfolio managerssolve these greater riddles. —Michael Himmel, ManagingPartner, Essex Asset ManagementI applaud Phil Romero’s willingness to write about the hedgefund world, an industry that is very private, often flamboyant,and easily misunderstood. As with every sector of the investmentlandscape, the hedge fund industry varies dramaticallyfrom quantitative “black box” technology, to fundamental researchand old-fashioned stock picking. This book helps investorsdistinguish between these diverse opposites and understandtheir place in the new evolving world of finance. —Mick Elfers,Founder and Chief Investment Strategist, Irvington Capital

    Unlike traditional money management books, 9 Steps approaches money from an emotional and spiritual point of view, emphasizing that fear, shame, and anger are the main obstacles to wealth.    Now, in these turbulent economic times, Suze’s life-changing message from fifteen years ago is more important than ever. This reissued version of shows you: ·         That debt is bondage and how best to break free of it ·         Why the less you have, the more you need a revocable living trust ·         How to find the best financial adviser (look in the mirror!) ·         How to avoid being taken advantage of when buying life insurance ·         Which retirement accounts make sense and which do not In nine simple steps, you’ll learn all you need to know to be responsible with and respectful of the money you have and the money you don’t have. Embrace Suze’s groundbreaking philosophy—that you are worth more than your money—and understand the true meaning of wealth so you can live a life without regrets. If you do not have control over the money in your life right now, Suze’s nine steps to financial freedom are for you.

    Most methods advocate a room-by-room or little-by-little approach, which doom you to pick away at your piles of stuff forever. The KonMari Method, with its revolutionary category-by-category system, leads to lasting results. In fact, none of Kondo's clients have lapsed (and she still has a three-month waiting list).With detailed guidance for determining which items in your house "spark joy" (and which don't), this international best seller featuring Tokyo's newest lifestyle phenomenon will help you clear your clutter and enjoy the unique magic of a tidy home - and the calm, motivated mindset it can inspire.

    The book details the fighting history of the men of the 87th Chemical Mortar Battalion. The battalion was armed with the powerful 4.2 mortars and following its landing on Utah Beach on D-Day fought in every major engagement in France, Belgium, and Germany. The 4.2 mortar battalions were the most sought after fire support units in Europe. The 87th was in combat for 326 days and the book follows each of the four companies as they participate in the Battle for Normandy, the fight for Cherbourg, the battles of Aachen and the Hurtgen Forest, the Battle of the Bulge, and finally the crossing of the Rhine and the final victory in Germany. The book contains excepts of diaries and quotations from the men who fought in the unit and from some of the German soldiers who opposed them. It is a story of heroism, tragedy, and the triumph of soldiers fighting for freedom.

    Now that Sparrow, her ward, has reached nine years of age, she reckons he needs a male role model in his life. With typical efficiency she sets about finding a father-figure by drawing up a series of checklists for each candidate, and following a strict protocol for interviewing them.So far, all the contenders have failed miserably to get enough ticks in the right boxes. But Ferne is focused and nothing is going to stop her from fulfilling her responsibilities…...except maybe a saboteur out to wreck her business; drunken neighbours; her unfortunate past from which it is so difficult to escape; her estranged mother; long-lost sister; and her Jack Russell, Merrie, who is not above galloping over and nipping any prospective role models she thinks Will Not Do.Katie Fforde (best-selling rom com author and President of the Romantic Novelists' Association) said of 'All His Own Hair': 'Susan Alison handles difficult issues with quirky humour and uplifting results.'(To give you some idea of length - 'White Lies and Custard Creams' is 83,700 words long and 'All His Own Hair' is 87,300 words long.)Susan Alison is the Katie Fforde Bursary Award winner for 2011. She has won competition awards for short fiction and sold numerous stories to commercial publications. Her fiction concentrates on the relationships humans forge with each other (and quite often with their dogs). She is a freelance artist.Jill Mansell (best-selling rom com author) said of 'White Lies and Custard Creams': "Susan Alison has written a lovely, quirky romp packed with off-the-wall characters - original, intriguing and great fun!"

    

    . . if you wear a business suit to job interviews but pajamas to the grocery store . . . if you have your own apartment but no idea how to cook or clean . . . it's OK. But it doesn't have to be this way.Just because you don't feel like an adult doesn't mean you can't act like one. And it all begins with this funny, wise, and useful book. Based on Kelly Williams Brown's popular blog, ADULTING makes the scary, confusing "real world" approachable, manageable-and even conquerable. This guide will help you to navigate the stormy Sea of Adulthood so that you may find safe harbor in Not Running Out of Toilet Paper Bay, and along the way you will learn:What to check for when renting a new apartment-Not just the nearby bars, but the faucets and stove, among other things.When a busy person can find time to learn more about the world- It involves the intersection of NPR and hair-straightening.How to avoid hooking up with anyone in your office -- Imagine your coworkers having plastic, featureless doll crotches. It helps.The secret to finding a mechanic you love-Or, more realistically, one that will not rob you blind.From breaking up with frenemies to fixing your toilet, this way fun comprehensive handbook is the answer for aspiring grown-ups of all ages.New York Times Bestseller.

    Author, army veteran, and Certified Financial Planner(TM) Jeff Rose modeled this financial survival guide on the Soldier’s Handbook that is issued to all new US Army recruits. Inside the 14 modules that Rose used to systematize his essential elements of financial success, you will learn how to:• Evaluate your position and commit to change • Target and methodically eliminate debt • Clean up your credit report • Create tactical budgets • Build emergency savings • Invest for the short and long term • Determine an affordable mortgage size• And moreComplete with tales from the trenches, useful quizzes, debriefings, and more, Soldier of Finance is the strategy manual and survival guide you need to win victory over your debt and bring order and prosperity to your life.

     Second Chances follows a single mother deserted by her adulterous ex-husband, a socialite who abandoned her family and fled to the Caribbean, a high-powered executive with a disconcerting fear of commitment and a questionable sense of judgment, and a privileged teenager plagued with a lecherous father and absentee mother while bewildered by an unforeseen opportunity with the most sought after boy in school. Although the women are each dealt cards they never expected, they find friendship, family and love in the least likely of places, and with those, they find hope.

    She gives her readers even more of what they love about the blog: lots of creative, helpful ideas and advice for moms on a budget along with stories from her own journey to discovering what the Good Life is really all about.

     It's no secret that we've all become plant obsessed, but do we really understand how to look after them? I am not a Professor of Botany, but having run my florist and plant shop, Grace & Thorn, since 2011 I've learnt a few things along the way. HOW NOT TO KILL YOUR PLANTS is about taking the hocus-pocus out of plants and flowers and enabling you to understand a plant's needs in order to know where to place and how to style them, but most importantly how to keep them alive.I get asked every type of question you can imagine and I have written this book to answer them. Watering can down, it's time to go back to the roots.Keep it green.Nik x(AKA The Agony Plant)

    Learn how to use CDs, bonds, and bond funds to manage risk/reward even during low interest rates. You will learn:How to choose your stocks/bonds allocationHow to become immune to changing interest ratesWhen to use CDs and individual bondsHow to choose a good bond fundHow to hedge against unexpected inflationContents:Foreword by Larry SwedroeIntroduction- Who Should Read This Book?- Start with a Sound Financial LifestyleWhy Bother With Bonds?- Stocks are risky in the short-run, and the long run too!- Bonds Make Risk More Palatable- Bonds Can Be A Safe Bet- Bonds Are An Attractive Investment DiversifierLife Is Complicated. Bonds Are Not.- What is a Money Market Fund?- Are CDs Better Than Bonds?- What Are Bonds?- What is a Bond Ladder?- Individual Bonds or a Bond Fund?Bonds: Risks and Returns- Yield, Price And Making Comparisons— How To Compare Individual Bond Returns— How to Compare Bond Fund Returns— Total Return: To Measure And Compare Performance- How To Reduce Risk From Interest Rates Changes— Duration: The Point of Indifference to Interest Rates— Duration: The Measure of Sensitivity to Interest Rates- How To Reduce Risk From Unexpected Inflation— Real versus Nominal Interest Rates— Why Include TIPS In Your Portfolio?- Credit Quality or Default RiskBuild The Bond Portion Of Your Portfolio- Start With Your Goals.- How Much Risk Is Right For You?— Understand How Much Risk You’re Taking— Take Your Risk In Stock Market, Not Bond Market— How Much in Bonds? How Much in Stocks?— Your Needs Change Over Time- The Importance of Low Cost— How Much To Diversify Bonds?— The Importance of Low Cost— Five Low-Cost Strategies You Can Do Yourself- Taxes Matter- Example Portfolios (both good and bad)Common Misconceptions Important to Correct- Stocks Are Safer In The Long Run- Holding a Bond (or CD) to Maturity Eliminates Risk- Stocks Are Safer Than Bonds- The Best Funds Have The Most Stars- A One Percent Fee Is Small- Rising Interest Rates are Bad for Bond Holders- You Can’t Beat the Market Using Index Funds- Use Multiple Investment Companies To Diversify- You Need Many Mutual Funds to Diversify- Frugal Means StingyReviews Worth Noting:“[As] stocks have surged and bond yields have dwindled, investors increasingly ask "Why bother with bonds?" Rick Van Ness takes this question and runs with it in his book sporting this provocative title. Sooner or later, this question will answer itself, and it will behoove all investors to get to know Rick before it does. Read it, enjoy it, and profit from it—before it's too late.”William J. BernsteinAuthor, The Four Pillars of Investing“In his simply stated and entertaining book, Rick Van Ness eloquently instructs the reader on how to do bonds right – in fact, better than any single book I’ve read.”Allan S. RothAuthor: How a Second Grader Beats Wall Street“If you are a DIY investor . . . you should read this book. It will steer you clear of areas you need to avoid and into where you should be. A quick read filled with valuable info!”Robert Wasilewski“This book should be part of America’s high school curriculum.”Andrew HallamAuthor: Millionaire Teacher