The 16 Solution Revised Edition

Dealing with unpaid taxes? Looking for investment opportunities? With home foreclosures at an all-time high and the erratic stock market damaging 401(k) accounts, people are looking for innovative ways to invest their money and improve their financial situation through different investment vehicles. Moskowitz explains what tax lien certificates are (liens against property for unpaid taxes), why they are safe investments (certain states insure them), and how they fit into an overall financial plan. This new edition includes updates to the laws and procedures of states and counties that offer tax lien certificates.

Solution Focused Brief Therapy: 100 Key Points and Techniques provides a concise and jargon-free guide to the thinking and practice of this exciting approach, which enables people to make changes in their lives quickly and effectively. It covers: The history and background to solution focused practice The philosophical underpinnings of the approach Techniques and practices Specific applications to work with children and adolescents, (including school-based work) families, and adults How to deal with difficult situations Organisational applications including supervision, coaching and leadership. Frequently asked questions This book is an invaluable resource for all therapists and counsellors, whether in training or practice. It will also be essential for any professional whose job it is to help people make changes in their lives, and will therefore be of interest to social workers, probation officers, psychiatric staff, doctors, and teachers, as well as those working in organisations as coaches and managers.

A guide to improving networking skills provides a self-assessment test and fifty-two weeks of exercises that assist in all aspects of networking.

A Globe and Mail Bestseller! A guide for Canadians on how to use real estate as an investment and retirement solution. Leveraging equity in a principal residence and using it wisely to purchase rental property is the solution to a safe, secure retirement for millions of Canadians. 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.

This is likely to be the most important book you will ever read about investing. It recommends a very simple, step-by-step strategy to do what sophisticated professionals do -- use index funds as the vehicle of choice for their investment assets. Why Index Funds? For the fifteen-year period ending December 31, 1997, an S&P 500 index fund beat 90 percent of all diversified stock funds -- before counting sales charges and the tax advantage of index funds. In fact, index funds have outperformed non-index funds across a wide range of asset classes and time periods. What about individual stocks and bonds? Based on the evidence, investing with individual stocks, bonds, or conventional mutual funds is not likely to give you the best results. It makes more sense to invest with a diversified portfolio of index funds, balanced to fit your needs and goals. How do Index Funds perform in bear markets? Index funds in six recent bear markets held up better than conventional, non-index funds.

One of America’s top allergy doctors offers a revolutionary, full-body approach to diagnosing, preventing, and treating allergies—in many cases, for good. Millions of Americans currently suffer from allergies, and the rate is growing. Climate change, globalization, air pollution, and oversanitization of the environment in the early years of life are just a few of the causes that, taken together, have introduced new allergens into our environment that are wreaking havoc and causing needless suffering. This “new allergen marketplace” requires a new allergy solution. According to Dr. Clifford W. Bassett, traditional remedies focus on treating symptoms but leave allergy sufferers vulnerable to continued bouts of misery. Dr. Bassett argues that when we consider a person’s genetics, environment, and overall health, we can more effectively identify—and take appropriate action to forestall—symptoms before they even begin. For the first time, Dr. Bassett presents the unique, integrative approach he’s used in his Manhattan offices for two decades to vanquish allergy symptoms for countless individuals. In addition to explaining what allergy is (and isn’t) and identifying key triggers—from nuts to gluten to the nickel commonly used in cell phones—Dr. Bassett offers both medical and nonmedical alternatives to treatment, and specific, proactive steps to protect against common allergens. Allergens are here to stay, but with The New Allergy Solution, your life need no longer be ruled and ruined by allergy. The New Allergy Solution strives to enhance your well-being through strategies for a greater sense of control, giving you more freedom to do what you love.

Discover how to overcome money stress, make smarter money moves, and find financial freedom with this life-changing interactive guide! Most adults today experience some degree of anxiety. In the United States alone, 51% of adults report feeling anxious. And what is one of the top causes of this chronic anxiety? Money. Financial anxiety is ranked #2 in terms of what is stressing Americans out. And the more anxious a person is about money, the less likely they are to take action toward improving their financial health. Hitting a little close to home? Now that your heart rate is up, here’s the good news—anxiety is treatable and financial literacy is easier than you think. The Financial Anxiety Solution will show you how to conquer money-related stress and take control of your financial life. Inside, you’ll find: Cognitive behavioral therapy (CBT) techniques for developing anxiety coping skills Interactive quizzes to help identify “pain points” of stress Journal prompts to help work through money-related thoughts and feelings Mindfulness exercises to help calm a worried mind Popular money-management techniques that can help turn the page on financial anxiety The Financial Anxiety Solution takes you step by step through helpful exercises and strategies to understand the sources of anxiety, apply coping skills to address anxiety symptoms, and prepare to tackle your financial worries.