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8 Steps to Smart Borrowing for Homes and Investment Properties

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Structure your mortgage for a more secure, more profitable property investment
Mortgages Made Easy is the definitive guide to getting the optimal mortgage for your home or investment property purchase. Bestselling author, mortgage broker, and financial advisor Bruce Brammall, aka Debt Man, walks you through the process in his trademark style, giving you all the information you need to buy a property and finance it right. Success in real estate is as much about having the right debt structure as it is about buying quality property, and this book shows you how to build the financial fortification that is critical to your long-term security. You'll learn how to set yourself up for success before you even begin to house hunt, and how to approach investment properties differently from your own home purchase. Brammall guides you step by step through the loan and purchase, equipping you with the knowledge you need to make your property work in your favor.

Property and debt are inseparable in the beginning, but what most people don't know is that accruing debt correctly plays a crucial role in the financial success of the property. This book explains it all, with practical advice and guidance throughout the process.
Learn why debt is necessary and property is so popular Navigate the big choices that buying property entails Discover the critical differences between homes and investment properties Get mortgage-ready and examine loan structure options
Given his qualifications, Brammall intrinsically understands the point where property, debt, and investment intersect, as well as their broader role in your wealth-creation plans. Your home is your castle, and a major part of your future security it's important to set it up right. For savvy advice from an expert perspective, Mortgages Made Easy is the property buyer's mortgage manual.

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Fleet Purchasing, Maintenance and Reliability

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OverviewFleet Purchasing and Maintenance is a concise, easy to understand guide on vehicle purchasing and fleet maintenance for the benefit of business and maintenance managers at all levels, plus students and academics. Not a textbook full of formulas but a guide containing both detail and insights for the practicing fleet and financial manager.The book first covers all aspects of the vehicle and fleet purchasing process from the perspective of the purchaser. It then discusses, in detail, the process of how to approach a fleet purchase once the decision is made. The book then leads into the operations of the fleets, their maintenance systems, efficiencies, inefficiencies, their overall evaluation, and finally, a discussion of maintenance backlog.

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Why Human-Centred Leadership is the Key to the 21st Century

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Legendary leaders change the world by putting leadership at the service of humanity
Humanise is a comprehensive look at human-centred leadership, providing insight and guidance for those who want to change the world. A deep examination of the concept of moral leadership, this book examines what it is, how it's acquired, and how it can be applied in business, government, and society. Readers will gain insight into predominant leadership styles exemplified in governments and organizations around the world, and discover the missing pieces that come together to more effectively guide people through challenges and transitions. With a focus on building a solid foundation, a strong moral compass, and deep empathy for others, this book shows you how to be a leader wherever you are, build your leadership capability, and make a positive impact on the world.

We are facing a crisis of leadership. Where are the new Mandelas? What type of person is that? What are their qualities and attributes? Who will lead us into the future? Humanise is a book for people who want to be the very best version of themselves, the best leader they can be, and impact the world for good.
Discover a different perspective on the leadership crisis throughout the world Create your own leadership foundation starting with your purpose and principles Turn your personal moral values into a leadership style that will benefit and inspire others Influence the individuals and world around you to become a part of the solution
Following in the footsteps of Mandela and Ghandi, this book explains why great leadership is human-centred, and how you can become such a leader, no matter who you are or what position you are in. For those interested in picking up the torch and guiding the way, Humanise provides a roadmap to the version of you you've always wanted to be, and that the world needs you to be.

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How to Create Products and Services Customers Want

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The authors of the international bestseller Business Model Generation explain how to create value propositions customers canat resist Value Proposition Design helps you tackle the core challenge of every business a creating compelling products and services customers want to buy. This highly practical book, paired with its online companion, will teach you the processes and tools you need to create products that sell.Using the same stunning visual format as the authorsa global bestseller, Business Model Generation, this sequel explains how to use the aValue Proposition Canvasa to design, test, create, and manage products and services customers actually want.Value Proposition Design is for anyone who has been frustrated by new product meetings based on hunches and intuitions; itas for anyone who has watched an expensive new product launch fail in the market. The book will help you understand the patterns of great value propositions, get closer to customers, and avoid wasting time with ideas that wonat work. Youall learn the simple process of designing and testing value propositions, that perfectly match customersa needs and desires.In addition the book gives you exclusive access to an online companion on Strategyzer.com. You will be able to assess your work, learn from peers, and download pdfs, checklists, and more.Value Proposition Design is an essential companion to the aBusiness Model Canvasa from Business Model Generation, a tool embraced globally by startups and large corporations such as MasterCard, 3M, Coca Cola, GE, Fujitsu, LEGO, Colgate-Palmolive, and many more.Value Proposition Design gives you a proven methodology for success, with value propositions that sell, embedded in profitable business models."

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Alexander Osterwalder, Yves Pigneur, Gregory Bernarda, Alan Smith, Trish Papadakos

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Managing Difficult Endings in Psychotherapy

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This book is about the difficulty of endings, but it is also about learning from the endings that we know have gone wrong as well as those that have worked well. It sets out how the psychological therapist can help a person to live well while life is available, and to face the endings that confront all of us with honesty, and the acceptance of our human fragility. Therapists suffer through the fears and failures of the people they see as well as through their own endings. These difficulties can either help each one to be more understanding and helpful, or can lead to disaster. This book is about making sure that we use experience as well as theory constructively.

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On the Centrality and Variety of Forms of Intuition in Jung and Post-Jungians

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Jung and Intuition examines for the first time the twelve categories of intuition described in both the works of C. G. Jung and the post-Jungians. Nowhere, other than in Jung's own work, has intuition been more fully treated. Each form of intuition is critically explained in the historical context of its appearance and located in one of the four spheres of Jung's psychology: the unconscious, the subconscious (Unterbewusste, consciousness, and Jungian and post-Jungian practice. This work brings Jung's entire psychology in all its depth from 1896 to its contemporary use into greater clarity for both professionals and lay readers.Natalie Pilard persuasively shows that intuition is at the heart of Jung's psychology. It is central to his concept of the archetypes as well as to his understanding of the subconscious and the active imagination. It also involves both clinical and philosophical approaches, as powerfully demonstrated by his pioneering work at the Burgholzli Klinik in Zurich.

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The Baby, the Doctor and the Psychoanalyst

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If advances in medical technology now allow babies to be born earlier and survive premature birth, what of the psychical impact of this emergence into the world? What consequences can premature birth have for babies, for their families, and for the medical staff around them?In this exciting and inspiring study, psychoanalyst Catherine Vanier describes the work she has undertaken over the past twenty years in a neonatal intensive care unit. She shows how a sensitivity to the subjective experience of all concerned can have dramatic effects, and how a psychoanalytic ear can allow us to understand both the problems and the progress of prematurely born babies in a new way.

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Putting on the Armor After the Wedding Dress

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A new wife is seldom aware of the intense spiritual battle threatening her dreams of happily ever after. Often, she enters the marriage without the benefit of great examples, biblical knowledge, and mentors offering godly wisdom. The battle begins and she is unarmed. Can she survive? Will her marriage become another divorce statistic? Marriage is Gods design. He has a battle plan, the power and the resources to win. When a wife knows who God is and what He can do, she can trust Him to sustain her and her marriage. Her joy will be complete as she allows Him to empower her to do more for her union than she can imagine.

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Buddy Davis' Cool Critters of the Ice Age

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An exciting Ice Age animal exploration led by popular adventurer Buddy Davis!
Discover elk with antlers over 12 feet long, rhino-like animals that ate plants, monster birds that called North & South America home, and more! Learn about glaciers, land bridges, how much of the world was covered in ice! Read about how and why the Ice Age happened, and what the Bible reveals!

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Vampires, werewolves, mechanical men -- it's all in a day's work for Harry Challenge, agent of the Challenge International Detective Agency! This volume collects both Harry Challenge novels by Ron Goulart, "The Prisoner of Blackwood Castle" and "The Curse of the Obelisk."

"Ron Goulart's most recent original P.I. creation, HARRY CHALLENGE is a field operative for the Challenge International Detective Agency, the family business. Receiving his assignments by mail and telegram from his nearly-estranged father, Harry bounces around early-20th-century Europe, usually accompanied by stage magician The Great Lorenzo (whose abilities may not all be just sleight-of-hand). Intrepid girl reporter Jennie Barr is often on the same trails as Harry, alternately aiding and competing with him in cracking the cases...and as the mysteries may involve werewolf assassins, clockwork swordsmen and the odd vampire or two, Harry can sometimes use all the help he can get!" -- Thrilling Detective

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This is our second (of three) collections of Space Patrol stories by "Eando Binder" (Otto O. Binder). Starting with the February, 1946 issue, every issue of Captain Marvel Adventures included a 2-page short story featuring Lt. Jon Jarl of the Space Patrol. These juvenile space operas -- designed to appeal to kids -- featured daring-do by a two-fisted young member of the Space Patrol. In a solar system where seemingly every planet and moon can support life and the asteroid belt harbors numerous space pirates and criminals, Jon Jarl always seems to save the day.
If you've seen the early TV adventures of Captain Video and His Video Rangers, Space Patrol, or Tom Corbett, Space Cadet -- which were clearly influenced by Binder's writing (as well as the shared universe of "space opera" that had been developed in Amazing Stories magazine under editor Ray Palmer) -- you will know what you're in for...a ride into the Wild West of outer space, where physics and logic never get in the way of a good story!
Includes 30 short stories.

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The complete beginner's guide to Python, for young people who want to start today  Adventures in Python is designed for 11-to 15-year olds who want to teach themselves Python programming, but don't know where to start. Even if you have no programming experience at all, this easy to follow format and clear, simple instruction will get you up and running quickly. The book walks you through nine projects that teach you the fundamentals of programming in general, and Python in particular, gradually building your skills until you have the confidence and ability to tackle your own projects. Video clips accompany each chapter to provide even more detailed explanation of important concepts, so you feel supported every step of the way. Python is one of the top programming languages worldwide, with an install base in the millions. It's a favourite language at Google, YouTube, the BBC, and Spotify, and is the primary programming language for the Raspberry Pi. As an open-source language, Python is freely downloadable, with extensive libraries readily available, making it an ideal entry into programming for the beginner. Adventures in Python helps you get started, giving you the foundation you need to follow your curiosity.  Start learning Python at its most basic level Learn where to acquire Python and how to set it up Understand Python syntax and interpretation for module programming Develop the skills that apply to any programming language  Python programming skills are invaluable, and developing proficiency gives you a head start in learning other languages like C++, Objective-C, and Java. When learning feels like fun, you won't ever want to stop a so get started today with Adventures in Python.

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Illuminating the Economy of Nineteenth-Century America

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While elite merchants, financiers, shopkeepers, and customers were the most visible producers, consumers, and distributors of goods and capital in the nineteenth century, they were certainly not alone in shaping the economy. Lurking in the shadows of capitalism's past are those who made markets by navigating a range of new financial instruments, information systems, and modes of transactions: prostitutes, dealers in used goods, mock auctioneers, illegal slavers, traffickers in stolen horses, emigrant runners, pilfering dock workers, and other ordinary people who, through their transactions and lives, helped to make capitalism as much as it made them.

Capitalism by Gaslight illuminates American economic history by emphasizing the significance of these markets and the cultural debates they provoked. These essays reveal that the rules of economic engagement were still being established in the nineteenth century: delineations between legal and illegal, moral and immoral, acceptable and unsuitable were far from clear. The contributors examine the fluid mobility and unstable value of people and goods, the shifting geographies and structures of commercial institutions, the blurred boundaries between legitimate and illegitimate economic activity, and the daily lives of men and women who participated creativelyand often subversivelyin American commerce.

With subjects ranging from women's studies and African American history to material and consumer culture, this compelling volume illustrates that when hidden forms of commerce are brought to light, they can become flashpoints revealing the tensions, fissures, and inequities inherent in capitalism itself.

Contributors: Paul Erickson, Robert J. Gamble, Ellen Gruber Garvey, Corey Goettsch, Joshua R. Greenberg, Katie M. Hemphill, Craig B. Hollander, Brian P. Luskey, Will B. Mackintosh, Adam Mendelsohn, Brendan P. O'Malley, Michael D. Thompson, Wendy A. Woloson.

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As kids love the outdoors, there's no better way to draw their interest in reading than a book about farm life. This type of book would teach kids about how humans produce foods from plants and animals and the types of foods that are generated on farms. It would also explain how some foods like cheese and flour are created.

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Kids who learn about the world and the places and people in it at a young age are more likely to be open to other cultures and races, as well as more likely to travel. A book about adventure places around the world also helps promote positive mental and physical elements, such as imagination, creativity, out-of-the-box thinking and even athleticism.

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Escaping into a world of pages filled with slithering snakes of all sizes, with many vivid colors, patterns and designs. It's the perfect place for a child to spend their time. Filling their mind with never ending creativity and motivation for play. Leaping through the vast backyard, discovering tons of new species...careful not to step on the venomous garden hose!!!

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Have you ever had doubts about doing certain things and then decide to do it in spite of your feelings of doubt? That is what happens to the protagonist in "Taken By a Traffic Cop." She makes the decision to do something as she really has no other option and she ends up in a life changing situation. She is at the mercy of a horny traffic cop with a chip on his shoulder. It is a battle of wits that unfolds with both ending up getting something that they desire most.

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Comprehensive and thorough in scope, The Research Process in Nursing 7th edition provides everything you could want to know about research methods. This established textbook reflects the significant advances in nursing research and the importance of evidence-based practice, and provides an invaluable resource for both the novice and the more experienced researcher. It includes practical information and advice on:  How to find and critique the evidence How to choose the right approach How to collect data How to make sense of the data How to put research into practice  A  Special features:  A clear, explicit and easy to understand text which links theory with practical steps in the research process. Examples provided allow the reader to apply a variety of research concepts to theoretical learning and professional practice. Incorporates chapters, research examples, and policy from a range of international countries, including Canada, Australia, USA and Hong Kong. Provides detailed discussions around each example, which clearly link theory with practice Easy to read for novice researchers and undergraduate nursing students, but at the same time provides sufficient depth and detail to be of value to experienced researchers and practitioners.

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Kate Gerrish, Judith Lathlean, Desmond Cormack

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As with all previous editions of Project Management in Construction, this sixth edition focuses on systems theory as the approach suitable for organizing and managing people skilled in the design and completion of construction projects. It discusses the many competing paradigms and alternative perspectives available, for example in relation to differentiation and integration, as well as the emerging study of temporary organizations and its relevance to construction project management. Whilst encompassing the need to develop further theoretical aspects of construction project organization theory, this edition has also enhanced the application of organization studies to practical issues of construction project management. More emphasis has been placed on the added complexity of construction project management by issues surrounding clients and stakeholders, and the control and empowerment of project participants. Additional focus has been placed on sustainability issues as they impinge on construction project management, on reworked views on supply chain management and on developments in partnering, together with clarification of the shifting terms and definitions relating to construction organization structures and their uses.

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As you read through the essays you will, I imagine, be struck by the sheer breadth of topics to which modern psychology has applied itselffrom human perception to the use of memory in the courtroom, to teaching children how not to hate, and on and on. from the Foreword by Malcolm GladwellPsychology and the Real World gives students the opportunity to learn about some of the most important psychology research of our time from the best possible sourcesthe actual scientists behind the studies that have not only reshaped our understanding of brain, mind, and behavior, but have significantly changed the way we live our lives. In Psychology and the Real World, each contribution is an original essay written exclusively for this project, with the Whos Who gathering of authors explaining, clearly and passionately, the work they have pursued and what it means to us.  With new and updated essays throughout, the new edition again exemplifies the broad scope and life-changing benefits of contemporary psychological science. The authors have volunteered their contributions and have agreed that royalties will go to FABBS to support their educational mission. The book is affordably priced to students whose instructors adopt one of Worths introductory psychology texts and Worth is returning all of the revenues so earned directly to FABBS.