House Poor No More

There are plenty of books on how to buy, sell, or invest in real estate. But there isn’t one that brings together homeownership with money management investing and retirement planning. This is that book.” — Bruce Sellery, author of Moolala and CEO of Credit Canada This handbook for smart homeownership explains how to... ✔️ Proactively maintain your home ✔️ Increase property value with smart renos ✔️ Reduce monthly expenses ✔️ Take advantage of debt ✔️ Live life as a happy homeowner What this book will give you Just because you buy a home—or buy stock or save money—doesn't make it smart. It's what you do with the asset—whether it's a home or stock purchase or savings in some account—that is smart. It's whether the asset ends up being an investment that works to grow your net worth or just an expensive product you own. What you'll find in this book are strategies for maintaining, protecting and increasing the value of your home, while finding small and big ways to save money. Broken down into eight steps, with the final ninth step that wraps up what you've learned. What people are saying about the book Personal finance experts agree, this is a must read for homeowners There are plenty of books on how to buy, sell or invest in real estate. There isn’t one that brings together homeownership with money management, investing and retirement planning. This is that book. – Bruce Sellery, author of Moolala and CEO of Credit Canada House Poor No More is the perfect handbook to prepare yourself as a homeowner. After reading House Poor No More, I know what renovations are worth the investment and how to prioritize maintenance, plus so many other homeownership secrets you could never find with a Google search or internet-deep-dive. Romana King's 20 years of real estate experience and homeownership knowledge are pared down into digestible takeaways extremely valuable for the average homeowner. – Alyssa Davies, author of The 100-Day Financial Goal Journal and MixUpMoney Romana offers readers important tools for making strategic real estate decisions. She shows how to fulfil our emotional desire for homeownership while also building long-term wealth — without having to pinch our lifestyle or compromise other financial goals. – Rita Silvan, former Editor-in-Chief at ELLE CANADA and Golden Girl Finance In her new book, Romana King dismisses the notion that homeownership is either a good decision or a bad decision. Instead, she helps us acknowledge the emotional need for owning a home and then sets out a plan to help all homeowners make smarter, more strategic decisions when it comes to their home. – Karin Mizgala, author of Unstuck: How to Get Out of Your Money Rut and Start Living the Life You Want and CEO Money Coaches Canada Romana King helps readers understand if homeownership is the right decision for them (right now.) House Poor No More, King discusses how to set a goal of homeownership and to use it to build your wealth long term. Most importantly she provides much-needed tools to help you navigate today’s overheated housing market. – Rubina Ahmed-Haq, creator of Always Save Money, 20-year business and finance reporter House Poor No More does an excellent job of explaining how and why homeownership is a smart, strategic tool for our emotional and financial well-being. Following the tips and tactics outlined in this book, anyone can become a smarter homeowner and grow their personal net worth. – Robert R. Brown, author of Wealthing Like Rabbits

Drama, as I see it, is a lack of order or control (chaos) that is often times self inflicted. In John 10 Jesus is quoted as saying that the purpose of him coming was that we would have life and have it abundantly. In other words it is God's plan that we live a drama free life. No More Drama provides insight and illumination on the dark areas of our lives. It shares the honest truth about what causes drama and how to remove drama from your life. In this book you will discover the following. What is drama? The affects of Drama. How to live a Drama free lifestyle The blessing of adhering to divine order The key to victory in life is to identify self-defeating behavior and make proper adjustments. No More Drama provides the road map to overcoming life's challenges in the areas of: Relationship (Single & Married) Finances Church Family It is my prayer and belief that everyone can live a life of joy and inner fulfillment. I wrote this book because I have a passion to see people win in life. You can experience Gods best for your life by applying proven principles for success. We must take on the responsibility for controlling your own destiny . Success is never an accident; so we must plan to win. You and I must declare NO MORE DRAMA IN YOUR LIFE.

A NATIONAL BESTSELLER SHORTLISTED FOR THE BALSILLIE PRIZE FOR PUBLIC POLICY It took the coronavirus pandemic to open our eyes to the deplorable state of so many of the nation's long-term care homes: the inhumane conditions, overworked and underpaid staff, and lack of oversight. In this timely new book, esteemed health reporter André Picard reveals the full extent of the crisis in eldercare, and offers an urgently needed prescription to fix a broken system. When COVID-19 spread through seniors' residences across Canada, the impact was horrific. Along with widespread illness and a devastating death toll, the situation exposed a decades-old crisis: the shocking systemic neglect towards our elders. Called in to provide emergency care in some of the hardest-hit facilities in Ontario and Quebec, the military issued damning reports of what they encountered. And yet, the failings that were exposed--unappetizing meals, infrequent baths, overmedication, physical abuse and inadequate personal care--have persisted for years in these institutions. In Neglected No More, André Picard takes a hard look at how we came to embrace mass institutionalization, and lays out what can and must be done to improve the state of care for our elders, a highly vulnerable population with complex needs and little ability to advocate for themselves. Picard shows that the entire eldercare system--fragmented, underfunded and unsupported--is long overdue for a fundamental rethink. We need to find ways to ensure seniors can age gracefully in the community for longer, with supportive home care and respite for family caregivers, and ensure that long-term care homes are not warehouses of isolation and neglect. Our elders deserve nothing less.

This is a study of the organisation and practical operation of the system of poor relief in Emden from the late 15th century to the end of the 16th. The city went through dramatic economic, confessional and constitutional changes during this period and so offers an ideal setting for the study of the emergence and development of a highly organised, multi-jurisdictional system of social welfare in the early modern period. Utilising account books, church council minutes, wills, contracts, correspondence and guild records it focuses on the day-to-day operation of poor relief - how the many diverse institutions actually functioned. As elsewhere in Europe, the Reformation did not immediately result in swift changes in poor relief; the Roman Catholic components of the administration of social welfare were dissolved and replaced gradually. It was only when the vast changes in religious, social and economic life which occurred at the middle of the 16th century forced matters that the methods of relief for the needy were revolutionised. The city was flooded with refugees from the Dutch revolt, there were widespread and severe economic difficulties caused by bad harvests and skyrocketing prices, and the church underwent a period of intense Calvinisation; only then were Reformed institutions and methods introduced. At times, religious arguments dominated the poor relief debate, while at others the social welfare system was barely affected; the effectiveness of the new systems and institutions is illuminated by an analysis of the recipients of relief during the second half of the 16th century.

Increase your spending power, enhance your standard of living, and achieve financial independence with this “must-read” guide to money management (Jane Bryant Quinn). Laurence Kotlikoff, one of our nation’s premier personal finance experts and coauthor of the New York Times bestseller Get What’s Yours: The Secrets to Maxing Out Your Social Security, harnesses the power of economics and advanced computation to deliver a host of spellbinding but simple money magic tricks that will transform your financial future.Each trick shares a basic ingredient for financial savvy based on economic common sense, not Wall Street snake oil. Money Magic offers a clear path to a richer, happier, and safer financial life. Whether you’re making education, career, marriage, lifestyle, housing, investment, retirement, or Social Security decisions, Kotlikoff provides a clear framework for readers of all ages and income levels to learn tricks like: How to choose a career to maximize your lifetime earnings (hint: you may want to consider picking up a plunger instead of a stethoscope). How to buy a superior education on the cheap and graduate debt-free. Why it’s smarter to cash out your IRA to pay off your mortgage. Why delaying retirement for two years can reap dividends and how to lower your average lifetime tax bracket. Money Magic’s most powerful act is transforming your financial thinking, explaining not just what to do, but why to do it. Get ready to discover the economics approach to financial planning—the fruit of a century’s worth of research by thousands of cloistered economic wizards whose now-accessible collective findings turn conventional financial advice on its head. Kotlikoff uses his soft heart, hard nose, dry wit, and flashing wand to cast a powerful spell, leaving you eager to accomplish what you formerly dreaded: financial planning.

A practical guide for handling life's financial emergencies for the cash-strapped, the meticulous budgeter, and everyone in between. What do a layoff, a medical emergency, a broken appliance, and a natural disaster have in common? Each scenario has the potential to upend your personal finances, no matter your financial situation. Money can be an intense source of stress, especially when you suddenly don't have enough of it. This handy and accessible reference from Alyssa Davies, founder of the popular finance blog Mixed Up Money, is here to help you navigate these financial ups and downs with a judgment-free approach. It offers actionable advice for different types of emergencies, short- and long-term solutions, resources, and tips from well-known financial experts who have been there before. You'll find scripts for negotiating payments for large bills, and learn how to revise a budget if you need to care for a loved one who is sick, recognize financial abuse, and much more. Charming illustrations by the author add a touch of humor to her expert advice. Best practices for building a robust emergency fund and road maps for recovering from a financial emergency will help you face your next rainy day.

One of the Best 5 Books of 2014 — Esquire "I’ve been waiting for this book for a long time. Well, not this book, because I never imagined that the book I was waiting for would be so devastatingly smart and funny, so consistently entertaining and unflinchingly on target. In fact, I would like to have written it myself – if, that is, I had lived Linda Tirado’s life and extracted all the hard lessons she has learned. I am the author of Nickel and Dimed, which tells the story of my own brief attempt, as a semi-undercover journalist, to survive on low-wage retail and service jobs. Tirado is the real thing." —from the foreword by Barbara Ehrenreich, New York Times bestselling author of Nickel and Dimed We in America have certain ideas of what it means to be poor. Linda Tirado, in her signature brutally honest yet personable voice, takes all of these preconceived notions and smashes them to bits. She articulates not only what it is to be working poor in America (yes, you can be poor and live in a house and have a job, even two), but what poverty is truly like—on all levels. Frankly and boldly, Tirado discusses openly how she went from lower-middle class, to sometimes middle class, to poor and everything in between, and in doing so reveals why “poor people don’t always behave the way middle-class America thinks they should.”