Many people stumble through their financial life reacting to events & advice in an ad hoc way. As a result few choose the most suitable financial products some fall prey to misselling & many never realise their financial goals. Are you one of them? Be Your Own Financial Adviser shows you how to make sensible financial decisions without the need for expensive advice. Its accessible style examples & case studies explain & evaluate financial products & put you firmly in control of your own financial well-being. It will advise on how to adopt the best saving spending & investment strategies make decisions tax-efficiently manage risk wisely & protect & enhance your wealth. It also suggests when professional help is a good idea & shows you how to protect yourself against misselling & get the best out of your adviser. Be Your Own Financial Adviser will show you how to: * Stress-test your financial decisions* Take advantage of legal tax breaks* Achieve your financial goals* Manage & preserve your wealth Accessing financial products & services is not difficult
- there is no shortage of commercials advertisements direct mail email & marketing calls to entice you to take out loans buy insurance & invest your money. But choosing which products are right for you can be a hit & miss approach. Good financial planning requires a systematic strategy. You should start by assessing your own particular circumstances attitudes & timescales & then work out how you can implement your strategy on a long term basis. Let Be Your Own Financial Adviser be your guide to making better financial decisions. It

Includes:: advice on the following: Financial planning Do you need an adviser? Protecting your income Providing for your family Health & care Somewhere to live Building a pension Retirement choices Saving & investing Managing your wealth Passing it on


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This is a classic story of paradise found
- & lost. Richard lands in East Asia in search of an earthly utopia. In Thailand he is
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The Beach Boys in Concert! is an exhilarating day-by-day journey through the triumphs & tribulations of one of rock history's most legendary acts. Over ten years of exhaustive research has produced an unprecedented window into the Beach Boys' thrilling successes personal tragedies & inter-band dramas globe-trotting rock-&-roll adventures from 1961 to 2012. The Beach Boys in Concert! is a solidly factual & highly entertaining ride from the humble beginnings of driving to local gigs in their mother's station wagon to touring the world in private jets with a massive entourage in tow. This is the ultimate document for fans when it comes to the group's career as concert performers. Adding to the feast is an extensive collection of unpublished photos & rare memorabilia images that bring fans deeper into the context of any given era covered in the book. This detailed illustrated 50-year Surfin' Safari will blow your mind! ...

Evie Flynn has always been the black sheep of her family
- a dreamer & a drifter unlike her over-achieving elder sisters. She's
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Everyone's favourite world-famous fashion icon HELLO KITTY is starring in her very own fiction series! Come join Hello Kitty & her friends in a brand new series all about fun & friendship! The Friendship Club is going on a Beach Holiday! They'll have lots & lots of fun together. But Tammy's brother Timmy loves to play tricks. Will his mischief get in the way of it being the best holiday ever? Each book in the series will be a collectible adventure with a fun lesson about how to be a great friend. ...

Number one best-seller Jane Green
- author of Straight Talking & Mr. Maybe
- tells a heart-warming story of life family & relationships

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'FOR SALE: a rare opportunity to purchase a beach hut on the spectacular Everdene Sands. The Shack" has been in the family for fifty years & was the first to be built on this renowned stretch of golden s&...' Jane Milton doesn't want to sell her beloved beach hut which has been the heart of so many family holidays & holds so many happy memories. But when her husband dies leaving her with an overwhelming string of debts she has no choice but to sell. THE BEACH HUT follows the stories of the people who own the beach huts families who come to Everdene each year people who fall in
- or out of
- love remembering their pasts or trying to forget them... Veronica Henry has brilliantly drawn together the comings & goings of life at the beach huts over one long hot lazy summer..."

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Welcome to BEACH ROAD the expensive exclusive & explosive setting for this brilliantly tense & twisty thriller Tom Dunleavy has a one-man law firm in East Hampton summer home to billionaires & Hollywood celebrities. But his clients are the people he grew up with the people who make a living serving the rich. When an old friend Dante Halleyville is arrested for a triple murder near a movie stars mansion Tom agrees to represent him & recruits super lawyer & ex-girlfriend Kate Costello to help fight the case. As Tom wonders if he can ever get Kate to forgive him for his past sins the case takes on astonishing

Dimensions revealing a world of illegal pleasures revenge & fear amongst the super-rich...

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Another page-turning story of tragedy & triumph from the No.1 bestselling author of The Loner & The Journey. In the summer of 1952 two lonely people arrive in the pretty seaside hamlet of West Bay. Strangers coming from very different backgrounds they are there for the same reasons: to find peace of mind & the chance to start a new life. Tom Arnold has abandoned all his possessions & walked away from a highly paid job. A year ago he had a wife & two beautiful children when suddenly his world was turned upside-down. The car he was driving with his family was deliberately run off the road high above the cliffs. He was the only survivor. The driver
- who Tom is sure intended to kill them all
- has never been found. Kathy Wilson has tried to cling on to her zest for life through times of pain & loneliness. Recovering from her divorce she seeks comfort in the arms of other men. But a shocking revealing row with her mother is the final straw & when she inherits a rundown house in West Bay she flees to Dorset. For both Tom & Kathy it seems there is a light at the end of the tunnel. Yet even now someone means to undermine their search for happiness. People are jealous. & a brutal killer is still on the loose... Suddenly West Bay is no longer the peaceful place it seemed...

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More & more sewists & quilters are adding embroidered details to their work. While there are a bevy of stitch dictionaries currently available this book goes beyond basic & traditional embroidery stitches to incorporate beads allowing readers to create delicate & striking trims & embellishments. Stitch patterns range from elegantly simple single motifs to complex all-over patterns to 3 dimensional designs. Along with step-by-step instructions are numerous examples of how to use & place the motifs on hems pockets cuffs collars & handbags; or as home decor trim on pillows curtains or lampshades. Patterns emphasize beaded edgings & trims as opposed to heavy solid beaded fabric motifs found in other beaded embroidery books Using nothing more than embroidery threads & simple beads Bead Embroidery Stitch Samplers offers beginner & advanced embroidery enthusiasts alike new ways to set their work apart. ...