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This ebook gives you 51 money mistakes you can avoid making in your twenties to achieve financial freedom later in life.<br><br>As an adult in your twenties, you tend to try to figure out your life’s financial future and also learn from your past mistakes to try creating a better tomorrow. In your twenties, you feel that adulthood is still new and thrilling. You have many things transpiring in your mind, such as buying a car, getting a house, and getting a paying job. All these desires make you feel like you are destined for riches very soon. It is such a wonderful time! But, although it is fun to be young, your twenties can shape or destroy your financial future. You must make great use of your time to maximize your potential, or else, you risk making costly decisions that can significantly impact your life ahead. If you are ready to build your ideal financial future properly, these are the 51 money mistakes to avoid in your twenties. 1, Failure to save for retirement: When you are in your twenties, retirement sometimes feels very far away, making you overlook it. However, failure to save for retirement is among the most frequent and significant money mistakes that you can commit. The advantage of saving money in your twenties is that you still have more time. The earlier you begin saving, the more you can benefit from compound interest rates. Besides your savings, your employer may offer you some money to help facilitate your retirement objectives through a work-sponsored retirement savings plan. An employer's contribution of only 5% of your salary amount can significantly impact the amount of money you will have upon retiring. Failure to save for retirement in your twenties will make you work for so long despite the aging factor, contribute more money for retirement later, or fail to retire. 2, The Mistake of Going into Credit Card Debt: For any twenty-year-old who earns less, unnecessary spending of lots of money on his credit card can be extremely tempting. It becomes easy for a twenty-year-old to place future financial expenses on his card to pay later. Unfortunately, many people in the twenties age bracket don't realize the extent to which debt can affect their lives. Getting yourself into a credit card debt can lead to extreme financial difficulties with time. Therefore, you should learn to respect and understand your credit to minimize the possibility of money mistakes in your twenties.

From Sylvia Day, the #1 New York Times bestselling author of the Crossfire novels, comes Taking the Heat , a novella of the Shadow Stalkers--where men in uniform are trained to enforce the rules. Out of uniform, those rules are made to be broken. He had three days to fix everything. Three days to remind her of how good they were together. She was a captive audience... Layla Creed and Deputy US Marshal Brian Simmons have a history that is as hot and heartbreaking as it is unforgettable. Now their paths have crossed once again. This time things are twice as hot. Layla--a protected witness--has to come out of hiding and testify in a sensational murder trial. But as far as Brian's concerned, there's an even more pressing problem. Once Layla testifies she'll get sucked back into the Witness Protection Program. A new identity, a new location, a new occupation--and a new inspector to check up on her. In other words, out of his life forever. There is one more option--take Layla and go on the run. Rekindling what they once had should be easy. But a stranger in their shadow has plans of his own, forcing Brian and Layla to risk everything in the name of love.

AN AMAZON BEST SELLING BOOK FOR KIDS! This entertaining, illustrated, middle grade chapter book is the series opener. Sign up for the spelling bee? No way! If there's one thing 10-year-old Texan Sophie Washington is good at, it's spelling. She's earned straight 100s on all her spelling tests to prove it. Her parents want her to compete in the Xavier Academy spelling bee,but Sophie wishes they would buzz off. That's until her irritating classmate, Nathan Jones, challenges her. There's no way she can let Mr. Know-It-All win. Studying is hard when you have a pesky younger brother and a busy social calendar. Can Sophie ignore the distractions and become Queen of the Bee? Here's what Goodreads reviewers say about Sophie Washington: Queen of the Bee: "Another great Sophie Washington book. Super cute. My 11-year-old loves these books." "As someone with a 10-year niece who is in fifth grade like Sophie, I believe that she would love this book and the rest of the Sophie Washington series by Tonya Duncan Ellis." "This series will go far. The story is down to earth, realistic and easy to read." This is the first book in the Readers' Favorite five star rated Sophie Washington book series that includes: Sophie Washington: Queen of the Bee (Book 1) Sophie Washington: The Snitch (Book 2) Sophie Washington: Things You Didn't Know About Sophie (Book 3) Sophie Washington: The Gamer (Book 4) Sophie Washington: Hurricane (Book 5) Sophie Washington: Mission Costa Rica (Book 6) Sophie Washington: Secret Santa (Book 7) Sophie Washington: Code One (Book 8) Sophie Washington: Mismatch (Book 9) Sophie Washington: My BFF (Book 10) Kids Ages 8-12 Click above to get your copy today!

Many of us share a shameful little secret: deep down we feel like complete frauds and are convinced that our accomplishments are the result of luck rather than skill. This is a psychological phenomenon known as 'Imposter Syndrome'. This book examines the reasons why up to 70% of us are developing this syndrome-and what we can do about it. All of us, at one point or another, have questioned our capabilities and competence. Maybe you've wondered how you got hired and, handed big job responsibilities? One recent article suggested that 70% of people "will experience at least one episode" of IS in their lives. Imposter Syndrome (also known as imposter phenomenon, fraud syndrome, or the imposter experience) is a concept describing individuals who are marked by an inability to internalize their accomplishments and a persistent fear of being exposed as a 'fraud'. The term was coined in 1978 by clinical psychologists Pauline R. Clance and Suzanne A. Imes. Despite external evidence of their competence, those exhibiting the syndrome remain convinced that they are frauds and do not deserve the success they have achieved. Proof of success is dismissed as luck, timing, or as a result of deceiving others into thinking they are more intelligent and competent than they believe themselves to be. This book presents an accessible and engaging examination of IS and how it effects us, not just at work, but as teenagers, parents and beyond. Using interactive quizzes to help you identify if you suffer and offering tips and tools to overcome your insecurities, psychologist Dr Sandi Mann will draw on her experience not only as an academic, but also as a practitioner, to present a comprehensive guide to understanding and overcoming IS.

ONE OF QUEER FORTY'S BEST PRIDE READS FOR SUMMER 2023! Three gay men in pre-Stonewall New York City find their fates thrown together in the police raid of a Village bar. Roger Moorhouse is a Wall Street banker and Westchester family man with a preciously guarded secret. As the shouting begins and flashlights blaze in his face, the life he’s carefully curated over the years―a fancy new office overlooking lower Broadway, a house in Beechmont Woods, his wife and children―is about to come crashing down around him. Columbia literature professor Julian Prince lives a comparatively uncloseted life when he finds his first committed relationship tested to its limits. How could he explain to Gus, a fearless young artist, that he couldn’t stay with him that weekend because the woman who was still technically Julian’s fiancée would be visiting? But when Gus is struck unconscious by a police baton, Julian comes out of hiding to protect him, even if exposure means losing everything. For Danny Duffy, an Irish kid from the Bronx with a sassy mouth and a diverse group of friends, the raid is a galvanizing, Spartacus moment. Danny doesn’t have too much left to lose; his family has just disowned him. But once his name appears in the newspaper, he’ll be fired from his job at Sloan’s Supermarket, where he’s risen to assistant manager of produce, and begin a journey that veers between political enlightenment and violent revenge. The three men find themselves in a police wagon together, their hidden lives threatened to be revealed to the world. Blackmail, a private investigator, Gus’s disappearance, and Danny’s quest for retribution propel Disorderly Men to its piercing conclusion, as each man meets the boundaries of his own fear, love, and shame. The stakes for each are different, but all of them confront a fundamental question: How much happiness is he allowed to have . . . and what share of it will he lay claim to?

Chocolatier Lanie Heaven has good friends, a booming business, and the adoration of the citizens of Merritt, Alabama. But she also has a secret. After the devastating breakup with her long time college boyfriend, she lost a baby and the hope of ever having a child - the thing she desires above all else. Though still grief-stricken eighteen months after the accident that killed his wife and best friend, Judge Luke Avery is lonely for the company of someone other than his three-year-old daughter, Emma. When Luke moves into the apartment above Lanie's candy shop, Lanie and Emma fall in love at first sight and Luke finds himself along for the ride. It's so easy for the three of them to slip into a life as sweet as the candy in Lanie's shop. But when Emma calls Lanie Mommy, Luke realizes things have gone too far; he has to propose to Lanie or walk away. He isn't ready for marriage, but engaged isn't married. Lanie eagerly accepts but as the evidence stacks up, she must accept that Luke's love is not equal to her own. Can Luke find a way to slay his demons before the sweet life they have created goes completely south?

BOOK 1 She needs money. He needs a wife. The situation is a win-win for Anastasia and Caleb. To save her family, Anastasia signed a contract to marry Caleb for a year. Starting from a contract marriage, will it end up in a real marriage? Amidst the challenges, will they break a rule from the contract to survive in this marriage? or will they end up losing each other? ********************** BOOK 2 To gain freedom from her overprotective parents' hands, the sunshine Thalia Carter refused to have her internship at her family's company. In the end, she got accepted into a company she didn't expect.  As soon as he saw her resume, the grumpy Damon Kane immediately approved her internship. Not because he was fond of her but because he literally hated her surname. He plans to make her life a living hell. Hate filled the office, but what happens if love blooms without their knowing? Despite the 11 years between them, will this office age gap romance be possible for these two? ********************* This book combines Book 1 and Book 2 in the series. Book 2 starts after Chapter 130.

Evie Bell is the white sheep in a family of black ones. Bookish and quiet where her sisters are showy and brash, she doesn’t understand her darker needs that resulted in the catastrophic end to her last relationship. Frederic d’Estang, a stage performer with Byronic dark good looks, is famous for playing villains that women adore – the Phantom, Claude Frollo, Mr Hyde. Facing a distressing premature end to his career due to developing Reinke’s edema, a chronic voice disorder, he recalls how someone took a chance on him when he was just starting out which launched him into stardom, and desires to do the same before his power and influence wane. His agent wants him to write his memoirs, and when he meets Evie Bell, an autobiographical writer with a penchant for gothic anti-heroes, he sees his chance: she has talent, but lacks the confidence and experience to make something of herself. She also has interesting, unexplored tastes, which Frederic discovers when her sister gives him a link to her anonymous fan-fiction archive – much to Evie’s mortification.