Free reference Kindle books for 15 Aug 18

Financial Prosperity

by Graham ABRAHAM

The Biblical way to prosper . If you are interested in prospering in prospering in your , Finances , your family , your Job , practically every area of your life then this booklet will help you.It is compact enough to tuck into your jacket , or into your handbag and where ever you are read and meditate on it



The Tax Bomb In Your Retirement Accounts: And How The Roth IRA Can Help You Avoid It

by Josh Scandlen

John and Judy are in the 12% tax bracket. But when they took $10k from their IRA they had a 50% tax increase. Why?

When John died Judy’s income went down by 33% but her taxes went UP! Why?

Isn’t interest on municipal bonds tax free? Then why did it cause John and Judy’s taxes to increase?

When Judy took out $20k to take her daughter on a cruise it cost her $9,908 in taxes. Yet when Jane did the same it cost her nothing. And they both have $80k in total income. Why?

When Bob took out $10,000 from his IRA his taxes tripled. Why?

Why did Bob’s Medicare premiums nearly double when he took out an extra $10k from his IRA?

When Jenny, a divorced gas station attendant making $35k a year inherited an IRA from her mom she lost 25% in Federal Taxes. Why?

In this book we’re not only going to answer these questions but we’re also going to show you what you should be doing NOW to avoid the stealth tax increases retirees face but are ignorant of…until it’s too late.



Englisch-Verständnis für fortgeschrittene Anfänger – Buch 2 (mit Audiomaterial)

by Stephen Harrison

Englisch-Verständnis für fortgeschrittene Anfänger – Buch 2

***Jetzt mit Zugang zu 45 Minuten kostenlosem Audiomaterial***

Wollen Sie Englisch in Wort und Schrift wie ein Muttersprachler verstehen? Dann ist diese Bestseller-Serie wie für Sie gemacht!

Jedes E-Book enthält 15 interessante Artikel zu Themen wie Geschichte, Religion, Natur, Wissenschaft, Reisen, Nahrung und vieles mehr.

Der Englischlehrer und Autor Stephen Harrison wird Ihnen dabei helfen, Ihr Lese- und Hörverständnis zu verbessern. Ob Sie Englisch nun aus purem Vergnügen lernen, sich auf Reisen verständigen wollen, es für die Arbeit benötigen oder sich auf eine Prüfung vorbereiten müssen, Sie werden Englisch schneller und einfacher verstehen.

Englisch-Verständnis für fortgeschrittene Anfänger – Buch 2 beinhaltet:

� Zugriff auf 15 KOSTENLOSE AUDIO-DATEIEN mit verschiedenen muttersprachlichen Akzenten

� 15 faszinierende Kurzartikel

� Glossare, die Schlüsselbegriffe mit Erläuterungen enthalten

� Verständnisfragen zu jedem einzelnen Text

� Video-Links zu jedem Artikel

� Links zu 80 kostenlosen Webseiten, um Englisch zu lernen

Wenn Sie Ihr Lese- und Hörverständnis verbessern wollen, laden Sie heute noch dieses E-Book herunter!



Help! I’m Stuck: 10 Strategies To Push You Through To Achieving Success

by S.R. Roberts

What’s stopping you from achieving success? Fear? Have trouble focusing? Limiting beliefs? This book addresses all of these challenges and more!

“Help! I’m Stuck: 10 Strategies To Push You Through To Achieving Success,” allows you to be honest with yourself and preps you on how to become better at following through with your goals. It breaks down what it takes to go after your goals consistently. Others will only give you a quick, temporary fix to success. This book gives you strategies for life, not tips for the moment.

“Help! I’m Stuck: 10 Strategies To Push You Through To Achieving Success,” will:

Help you get started right away, by using simple strategies

Show how you can benefit from a winning mindset

Push you to be more productive to your advantage

Equip you with achievement habits to carry throughout life

Follow the advice in this book and become more determined to realize your goals, dreams, and desires. These 10 strategies will make it easier to reach your financial goals, professional goals and business goals.

This book was designed so you can start immediately. The sooner you start, the sooner you will see exponential growth.

Click “BUY NOW” to see how great you can become!



Practice Guide for the CLEP College Algebra Exam (Practice Guides for CLEP Exams Book 10)

by Avatar Virtual Learning

Testing out of college courses using programs like the College Level Examination Program (CLEP) can provide students with college credit for subjects that they have not studied on a college campus but have mastered by other means (independent study, on-the-job training, and previous coursework) and it will save time and money. But how will a student know if this approach is right for them?

This guide is intended to answer that question for students who are interested in taking CLEP’s College Algebra exam. It provides general information on the CLEP program along with suggestions on how to preparing for the exam. There is a subject breakdown for the College Algebra exam, the topics that will be covered and a list of online resources which can be used to study or review these topics. There are two practice tests; each one is structured like the official exam with 60 multiple choice questions. Each practice test comes with an answer key and an explanation section on the reason why each answer was the right one. There is also a basic solutions section showing the step by step approach to take for common types of problems you might run into on the exam and crib sheets to help review as well.



1 2 3: I Can Count in Swahili: A Swahili book of numbers and fun words (Swahili Foundations)

by M.N. K Mchawala

A New Take on Bilingual Numbers Books – I Can Count in Swahili is Fun, Playful, and Easy.

The book introduces children to counting in Swahili with a helpful pronunciation guide while presenting East African scenes through simple and vivid illustrations. A perfect introduction for children to learn the numbers and vibrant word-sounds of one of the world’s fastest-growing languages.

Written by a native Swahili (Tanzanian) speaker and global educator, this book is a wonderful bilingual educator’s tool with creative and fun repetitions perfect for circle time class discussions.

It is also an educational tool to support home schoolers, and families seeking to raise a bilingual or multilingual child.
This picture book is the perfect bedtime reading suitable for ages 1 and up – for toddlers, pre-schoolers, kindergarteners, and early readers – hakuna matata!



European Higher Education Area: The Impact of Past and Future Policies

by Adrian Curaj

This volume presents the major outcomes of the third edition of the Future of Higher Education – Bologna Process Researchers Conference (FOHE-BPRC 3) which was held on 27-29 November 2017. It acknowledges the importance of a continued dialogue between researchers and decision-makers and benefits from the experience already acquired, this way enabling the higher education community to bring its input into the 2018-2020 European Higher Education Area (EHEA) priorities. The Future of Higher Education – Bologna Process Researchers Conference (FOHE-BPRC) has already established itself as a landmark in the European higher education environment. The two previous editions (17-19 October 2011, 24-26 November 2014), with approximately 200 European and international participants each, covering more than 50 countries each, were organized prior to the Ministerial Conferences, thus encouraging a consistent dialogue between researchers and policy makers. The main conclusions of the FOHE Conferences were presented at the EHEA Ministerial Conferences (2012 and 2015), in order to make the voice of researchers better heard by European policy and decision makers. This volume is dedicated to continuing the collection of evidence and research-based policymaking and further narrowing the gap between policy and research within the EHEA and broader global contexts. It aims to identify the research areas that require more attention prior to the anniversary 2020 EHEA Ministerial Conference, with an emphasis on the new issues on rise in the academic and educational community. This book gives a platform for discussion on key issues between researchers, various direct higher education actors, decision-makers, and the wider public. This book is published under an open access CC BY license.



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