Financial Prep 101

Step into the future of finance with Financial Prep 101: Simple Tips for the Next Generation.

This practical workbook serves as your guide to financial freedom, demystifying the often-intimidating world of finance with straightforward explanations. Designed for both teens and adults, this easy-to-read resource brings clarity to essential financial terms and concepts that everyone should know.

Navigate everyday financial choices with ease as you learn about budgeting, saving, investment strategies, financing and borrowing options, retirement planning, and safeguarding your wealth.

Don’t miss out on your pathway to financial literacy and success – your blueprint for a secure financial future starts here!

Everybody's Antibodies

In our daily lives, we are surrounded by countless germs that often go unnoticed, thanks to the remarkable defense mechanism within us known as the immune system. Curiously, this intricate network of tiny components remains one of the least understood aspects of our body’s organization. However, with the advent of COVID-19, our collective immune systems have faced an extraordinary challenge. That’s why gaining a clear understanding of how our immune system functions has never been more crucial.

Harnessing the wisdom available at our fingertips through cell phones and computers, including the remarkable insights of Artificial Intelligence like ChatGPT, we discover that comprehending the workings of our immune system holds immense value amidst the ongoing COVID-19 pandemic. Such understanding empowers you to grasp how infections take place, comprehend the progression of diseases, and fathom the functioning and benefits of vaccines. Moreover, it sheds light on the significance of maintaining overall immune health and contributes to mental well-being.

With its plain language and easy-to-read approach, Everybody’s Antibodies offers a first glimpse into the fundamental elements of our vital body protectors. Whether you’re a young adult or an adult seeking knowledge, this book provides a gateway to unlocking the mysteries of the immune system. By delving into its pages, you’ll alleviate anxiety and fear by gaining a sense of control and empowerment. Armed with this understanding, you’ll be equipped to make informed decisions and nurture your overall health with confidence and calmness.

Economic Myths and Economic Realities

The world’s ten richest countries have about 60 times the income per capita of the bottom ten. Nobel Prize-winning economists have acknowledged their ignorance regarding the sources of economic growth. This explains why, despite considerable financial assistance, the gap between poorer and richer countries has grown year after year, both globally and within countries like the USA and Europe.

Using straightforward statistical diagrams, this book explains approximately 90% of the variance in income among countries or states. First, it empirically demonstrates what does not work – the myths – from reindustrialization to Keynesianism. Then, it examines the real drivers of growth by evaluating whole countries (public, social and private sectors combined, including the non-working population) as companies, assessing their business administration across areas like marketing, work culture, strategy and operations. After all, numerous multinationals are larger than countries.

The lessons are twofold: First, nothing is more pointless than perfecting the irrelevant. Second, there are no underdeveloped countries, only undermanaged ones (P. Drucker). The wealthiest countries are, overall, the best-run companies.

Discover the Matrix

The most dangerous move in business is the failure to see the space between. What's the greatest crisis among Leaders today? According to Harvard Business Review (Apr 2020), leaders are living in crisis with no modern-day precedent. Governments, corporations, hospitals, schools, and other organizations need now, more than ever, are "real leaders" people who "help us overcome the limitations of our own individual laziness and selfishness and weakness and fear and get us to do better, harder things than we can get ourselves to do on our own."

Like most, real leaders are not born; having the ability to help others see the space between is not written into their genetic code. Many leaders are forged in crisis. Prime Minister Winston Churchill encouraged his people to keep the faith: "We shall not fail or falter; we shall not weaken or tire. Neither the sudden shock of battle, nor the long-drawn trials of vigilance and exertion will wear us down. Give us the tools, and we will finish the job."

This book provides today's leaders with the tools to get the job done; the skills to see the space between. Challenging conventional wisdom, self-imposed limitations, and abstract obstacles, global business coach and leading keynote speaker Angela Cusack dares you to Discover the Matrix.

Demystifying Science

Science today often seems incomprehensible to the general public, filled with specialized jargon and baffling math that eludes most readers. Consequently, science is often held in low esteem, despite being the foundation of all modern advancements.

To make matters worse, a strong movement of ‘science deniers’ has emerged, escalating the problem to a dangerous level. The public needs to grasp the basics of science to participate in and make informed decisions on the critical issues facing the US and the world today.

This book offers clear, intelligible explanations of the fundamental ideas and rationales behind the theories of great scientists. Written in an informal, readable format, it presents an imagined dialogue between the reader and the author. The book explains the thought processes of some of history’s greatest minds without heavy use of math or technical jargon. It includes numerous images and sketches to illustrate concepts and portrays the lives of famous scientists, showing that they too struggled with everyday problems just like everyone else.

Engage with this accessible guide to scientific thinking and discover how the great scientific minds developed their groundbreaking theories.

Convulsions of the Planet Earth

“The greatest mystery in the history of world aviation” – the disappearance of five American bombers in the Northwest Atlantic without a trace. What is going on in the Bermuda Triangle? What are UFOs? What is the true reason for the Chernobyl tragedy and the sinking of the Kursk submarine? Why did Soviet air defenses shoot down a South Korean passenger airliner (flight KAL-007) in the sky over Sakhalin? What is the reason for the crash of the Russian Superjet-100 in Indonesia? Where did the Malaysian Airlines Boeing 777 (flight MH-370) get lost? What unites these seemingly unrelated events?

For many years, these questions have haunted the minds of both sensational journalists and scientists. So, finally, the readers will be able to come close to unraveling this dark page in the history of mankind. The hypothesis proposed by Boris Ostrovsky sheds light on questions that researchers of the unknown are trying in vain to answer.

Conscious (R)Evolution, Humanity, Insanity, and the Planet

In Conscious (R)Evolution, Humanity, Insanity, and the Planet, the author brings together two powerful insights: that all life on this planet is interconnected, and that humanity’s current path of consumerism and industrialization is leading to catastrophe. From deforestation to pollution, we are damaging the very environment that sustains us. This book asks us to stop and consider the bigger picture: as an intelligent species, why would we willingly destroy the planet that gave us life? With urgency and clarity, the author calls for a new way of living, one that recognizes our place in the natural world and uses our intelligence to create a better future for all.

Canadian Family Law Handbook

This book provides an easy-to-understand survey of family law across Canada. For those interested in Ontario or other provinces, perhaps working toward paralegal certification, this book provides all the relevant details of family law and competencies in an organized fashion using plain language. The latest amendments to the Divorce Act concerning decision-making responsibilities, parenting time, and contact orders are fully canvassed as are new requirements for moving or relocating, and the broader definition of family violence. Indeed, not all marriages and families are harmonious. There is a thorough review of domestic abuse and resulting trauma as well as legal remedies including peace bonds, restraining orders, and civil contempt. This book also examines the client-centered, trauma-informed, anti-racist approach to providing legal services.

The laws of marriage (but not solemnization), annulment, and divorce are essentially the same no matter where you live in Canada. The first six chapters are very informative about those topics and issues of parenting, child support, and financial assistance for spouses. This book also deals with disputes concerning parenting responsibilities, support, and property division that arise when the parties never married but cohabited in a conjugal relationship of some duration prior to separation.

While this book is not legal advice, it provides every reader with a solid grasp of their rights and obligations in family matters. And those who will qualify as legal advisers in family disputes will benefit from the breadth of the material and the comparative approach.

Anatomy of a Wrongful Death Lawsuit

In Anatomy of a Wrongful Death Lawsuit, journey alongside a determined man seeking justice against a healthcare provider responsible for his wife’s tragic end. Stemming from a heartbreaking fall in May 2017, this riveting account spans a relentless four-year legal battle, culminating in a pivotal wrongful death lawsuit settlement in August 2021.

Delving deep into Florida’s Sovereign Immunity Statutes, the narrative unravels the intricacies of a legal system designed to discourage victims by limiting potential damages. The story casts a glaring spotlight on a flawed healthcare system, where a Medicare facility, under the umbrella of these statutes, can prioritize profit over patient safety. Revelations like Medicare’s astonishing $55,000 bill for treatments and the audacious theft of a valuable wedding ring from an elderly patient underscore the gravity of systemic failures.

Although the initial medical malpractice case seemed promising, its evolution into a wrongful death suit drastically shifted the scales, placing a daunting burden of proof on the bereaved husband. While the eventual settlement wasn’t about financial gain, the core aim was to ensure acknowledgment of a wrongful death lawsuit. However, due to the secrecy of mediation, such misdeeds might remain cloaked, depriving the public of crucial awareness.

This poignant exploration is more than just a personal tale of resilience; it’s a deep dive into the complexities and challenges of confronting a seemingly impenetrable legal fortress.

All English Tenses in One Simple Chart

Uncover a fresh approach to mastering English grammar with All English Tenses in One Simple Chart by Igor Ostapenko. Drawing from his engineering background and years of experience in instructional design and training management, Igor presents a practical resource that simplifies the complexities of English tenses. This comprehensive guide offers clear explanations and a straightforward methodology, making it accessible to learners and ESL teachers. Whether you’re a beginner or advanced learner, this book serves as a valuable tool to enhance your language skills and gain a solid understanding of English tenses.

African Financial Ecosystem

Historically and contextually, various integration models were experimented with by colonial powers, but these systems largely collapsed post-independence. For instance, the French attempted to maintain cohesion but prioritized their own interests, leading to fragmentation.

Efforts in East and West Africa similarly faltered, as each nation pursued its own agenda without a unified political will. South Africa made a notable attempt, but integration never materialized; it would have required a different approach, such as the adoption of a SADC currency.

The recent endeavors of AES countries and Zimbabwe’s new currency inject fresh dynamics into this ecosystem. Concurrently, the rise of new technologies presents both challenges and opportunities for financial integration.

Public organizations and pan-African institutions play crucial roles in navigating this journey, where the political dimension holds significant sway. Additionally, international dynamics, exemplified by initiatives like those of the BRICs, further influence the landscape.

Taken together, these elements paint an intriguing picture, fostering discussions on the African ecosystem and brainstorming plausible solutions. The ultimate aim is to achieve, within a reasonable timeframe, a monetary union and a common African currency.

A Year of Engineering Fun for Beginning Classroom STEM

A Year of Engineering Fun For Beginning Classroom STEM is the ultimate resource for teachers seeking to engage their students in exciting and educational STEM challenges throughout the year. With seven thrilling categories, including towers, cars, boats, and solar cookers, this book caters to students from second to sixth grade, providing them with hands-on activities that foster a love for science, technology, engineering, and mathematics.

Each category offers variations in materials, encouraging students to engage in repeated iterations – the essence of the engineering design process. As they tackle these challenges, students will not only deepen their understanding of science and math concepts but also develop crucial skills in collaboration, creativity, communication, and critical thinking, known as the four Cs. The book includes handouts for each lesson, helping students organize their ideas and better understand the design process.

Whether you are a seasoned STEM educator or just starting out, this comprehensive resource is perfect for you. Packed with easy-to-use, hands-on activities that are both educational and fun, A Year of Engineering Fun For Beginning Classroom STEM will help teachers and students alike gain confidence with each challenge.