This book will assist people who will soon retire, or who have already retired, to understand how tax works in relation to their retirement so that retirees can make informed, tax-efficient decisions regarding their retirement savings. It will help them to get more out of their retirement savings, as well as expose the pitfalls that they need to look out for to avoid nasty surprises.

The book will also provide guidance on the methods available to retirees to reduce their tax liability to ensure that they pay the least amount of tax legally possible so that they can put more money into their back pocket. It explains how to effectively utilise certain tax exemptions and make the most out of tax credits, which are only available to persons over the age of 65 years.

In addition, it will explain how retirees can access a possible tax refund, and how other types of income that they may earn to supplement their pension, such as rental income and dividends, are taxed.

Learn how to cultivate student voices and facilitate equitable participation so that young people are prepared to speak up and lead when the moment calls for it. In a world where public speaking often determines whose needs are addressed and whose values prevail, how can we create brave classroom spaces where young people can effectively express their thoughts and advocate for themselves and others? In Amplify Student Voices, AnnMarie Baines, Diana Medina, and Caitlin Healy introduce Expression-Driven Teaching to show how centering youth voices and expression in the classroom meets both academic and social and emotional learning goals. The authors promote instruction in various forms of public speaking-storytelling, debate, poetry, presentation, and self-advocacy-as a way to pursue equity in education and counter the oppression that has long silenced the voices of marginalized groups. This engaging book features extensive first-person accounts from young people who describe their journey toward effective public speaking and how it has helped them affirm their identity, confront life's many challenges, and pursue opportunities with increased confidence. Their insights also inform and supplement the authors' practical recommendations and how-tos for incorporating the various public speaking formats into everyday instruction at all grade levels and across subject areas. Both informative and inspiring, Amplify Student Voices challenges traditional notions of "good" public speaking, broadens its definition, and demonstrates how to engage learners to create a world that is more inclusive and just.

A hilarious and heartfelt debut from multi-award winning, hearing aid wearing, comedian, actor and author Samantha Baines. The intergalactic adventure starts at home with Harriet, who discovers that her hearing-aid can do more than she ever bargained for when she finds an alien in her room. Discovering that her family secretly work for an intergalactic agency, Harriet becomes the Earth's first line of defence as the only one who can understand the invaders. Sure, her hearing aid helps her understand aliens from across the universe, if only she could understand her own feelings.

Learn about plants by meeting some hilarious characters who are keen to explain why they are the most important part of a plant! This book makes science learning fun and engaging for children aged 7 plus. Meet Stem, she links everything together on the plant, she knows she's very important. But Seeds, Leaves and Flowers all want to explain why they are the most important, too. So which plant part really matters most? What Matters Most is a series of humorous books for children that explain science processes with lively comic artwork and show why variety is important. Titles in the series: Body Bits Energy and Power Gravity and other Forces Materials Plant Parts The Sun, the Moon and the Planets

Learn about forces by meeting some hilarious characters who are keen to explain why they are the most important! This book makes science learning fun and engaging for children aged 7 plus. Meet best friends Gravity and Weight who are surely, they think, the most important forces on Earth. And yet, isn't Gravity actually really weak and, anyway, their rivals Friction, Air Resistance and Magnetism all want to explain why they are the most important. So which force really matters most? What Matters Most is a series of humorous books for children that explain science processes with lively comic artwork and show why variety is important. Titles in the series: Body Bits Energy and Power Gravity and other Forces Materials Plant Parts The Sun, the Moon and the Planets

* Enables both the haematologist and laboratory scientist to identify blood cell features, from the most common to the more obscure * Provides essential information on methods of collection, blood film preparation and staining, together with the principles of manual and automated blood counts * Completely revised and updated, incorporating much newly published information: now includes advice on further tests when a specific diagnosis is suspected *400 high quality photographs to aid with blood cell identification * Highlights the purpose and clinical relevance of haematology laboratory tests throughout

'This book is Masterful, Evidence-based, Memorable, Operational, Readable, and the best book for You on memory.' Professor John Hattie Teacher Toolkit Guides transform the theory of education into practical ideas for your classroom. From Ross Morrison McGill, bestselling author of Mark. Plan. Teach. 2.0, this book unpicks the research behind how learners retain and recall information. It provides evidence-based strategies for improving memory in the classroom. Cleverly designed with infographics, charts and diagrams, The Teacher Toolkit Guide to Memory provides clear, visual explanations of how memory works, including short-term and long-term memory, working memory, semantic memory and episodic memory. Ross presents a wealth of original ideas for incorporating this theory into day-to-day classroom practice, with proven methods for aiding knowledge retention and testing recall, to boost learning, support revision and motivate pupils. Breaking down the key theories of cognitive load, cognitive apprenticeship and brain plasticity in an easy-to-digest format, this is the perfect guide for teachers looking to understand how to improve memory and how they can maximise their impact in the classroom. Each book in the Teacher Toolkit Guides series explores a key principle of teaching and learning, and offers research-based techniques to transform classroom practice. Every book includes a bespoke version of Ross's renowned Five Minute Lesson Plan, as well as ready-to-use templates and worked examples. Supported by infographics, charts and diagrams, these guides are a must-have for any teacher, in any school, and at any level.

Known for his inspiring movies and documentaries, as well as his popular creativity workshops, Barnet Bain makes available his teachings for the first time in book form. Discover how will and action come together with imagination and feeling to form the very foundation of creativity by working with this treasury of more than forty transformative exercises. Each one is designed to spark new creative connections by challenging our usual ways of thinking, feeling, and perceiving. These lessons, tools, and techniques serve to unlock great reservoirs of creativity in every individual, whether it's jumpstarting or completing a project, launching a new business, creating a work of art, experiencing more fulfilling relationships, or making other dreams come true. Bain's motivational guidance includes: rewiring your brain to unleash ultra-creativity; finding freedom from self-criticism, perfectionism, and other obstructions to productivity and creative expression; harnessing the two forces of creativity: inspiration and action; discovering your emotions as the doorway to creative aliveness and ingenuity; and heeding the call of your Real Work, regardless of age, education, or experience. Step by step, you will make the discovery of a lifetime: how to stop being ruled by your past and start consciously creating your present and future. You will be surprised and energized-by your next creative impulse, the next idea that excites you, the next experience that moves you-and you will live a creative life.

This new edition of the Bond 11+ Maths Assessment Papers for 8-9 years now includes full explanations in the pull-out answer section in the centre of the book. Used with the Maths 11+ Handbook and other supporting Bond titles, the Assessment Papers offer everything your child needs to prepare and practise for the 11+ at home. The papers cover all the core 11+ question types that your child will experience in their actual exam. Working through this book helps to target the areas children need more support with and builds their skills and confidence. There are also practical tips and planning for next steps to improve exam skills. Providing thorough and continuous practice of key Maths skills, these age-ranged, essential study guides really help children succeed. Bond is the number 1 provider of 11+ practice, helping millions of children pass selective entrance exams.

Would You Rather . . . Sniff Ronaldo's stinky sock or chew Buffon's smelly glove? Pick your gaffer's nose or be left on the substitutes' bench forever? Lick your best mate's football boots or wash your team's kit all year? Kiss Harry Kane's socks or wear Heung Min-Son's boxers on your head for a day? Packed full of gross, silly and bonkers WOULD YOU RATHER questions about football! If you love the Match Annual then you'll love Would You Rather? brought to you by MATCH! the makers of the UK's #1 footy magazine. Perfect for any young footy fan looking for a laugh.

Engaged…just for the cameras! In this Royal Docs story, Prince Raed Ayad finds himself uncharacteristically begging brilliant rival cardiac surgeon Soraya for two favours. First, save his father the King’s life. Second, keep the hungry press at bay by pretending to be his fiancée! Soraya agrees…after all she’s been through she doesn’t want a real relationship anyway. But more dangerous than being caught in their lie is starting to believe it themselves… A fresh start for the Prince’s family? In this Royal Docs story, before the accident that killed his wife and injured his daughter, duty-bound surgeon Prince Amir Ayad was set to take the throne. Now Amir isn’t sure about anything—except his powerful connection to fiercely independent physiotherapist Isolde. Seeing her bond with his little princess begins to unlock Amir’s barricaded heart… But he's lost so much already. Pursuing the woman he should resist would be utterly foolish…right?

Cooper is brilliant at magic tricks. Card tricks, clever illusions - he can do them all. His dad, also known as the Great Eduardo, taught him the tricks of the magical trade before he passed away. But the one thing Cooper can't do is see his dad again. So when a talking rabbit appears from his dad's top hat, and reveals there is a place where Cooper might find him, he jumps at the chance. Magic is about believing the impossible, after all. And Cooper desperately wants to believe that he can see his dad once more. But what - and who - is waiting for them in the land where magic goes wrong? Filled with filled with humour and emotion, this is an action-packed graphic novel about finding magic when you need it the most.

"Part wish-fulfillment fantasy...part gritty whodunit,"* Splinters of Scarlet is a spellbinding and atmospheric historical fantasy set in nineteenth-century Denmark, where secrets can kill and magic is a deadly gift, for fans of The Gilded Wolves and Pride and Premeditation. (*Kirkus) "Emily Bain Murphy weaves an exquisite tale of mystery, enchantment and valor. I loved this spellbinding book!" --Rebecca Ross, author of The Queen's Rising For Marit Olsen, magic is all about strategy: it flows freely through her blood, but every use leaves behind a deadly, ice-like build-up within her veins called the Firn. Marit knows how dangerous it is to let too much Firn build up--after all, it killed her sister--and she has vowed never to use her thread magic. But when Eve, a fellow orphan whom Marit views like a little sister, is adopted by the wealthy Helene Vestergaard, Marit will do anything to stay by Eve's side. She decides to risk the Firn and uses magic to secure a job as a seamstress in the Vestergaard household. But Marit has a second, hidden agenda: her father died while working in the Vestergaards' jewel mines--and it might not have been an accident. The closer Marit gets to the truth about the Vestergaard family, the more she realizes she and everyone she's come to love are in danger. When she finds herself in the middle of a treacherous deception that goes all the way up to the king of Denmark, magic may be the only thing that can save her--if it doesn't kill her first.

Are you young and feeling left behind financially? It doesn’t have to be this way. The UK’s leading millennial money expert, Iona Bain, is on a mission to help young people own their futures, once and for all. Low wages, high house prices, zero reward for saving and the catastrophic fallout from Covid-19... young people have had a rough ride. But we have a choice. We can sleepwalk into a poorer future – or we can transform our prospects by embracing the power of investing. Iona is here to demystify savings, pensions and investing for a new generation. Whether it's robo-advisers or auto-enrolment, green investing or forex on Instagram, Iona will break down what it all means so YOU can take charge of your long-term finances. In this fun, wise and incredibly helpful book, Iona explains why investing matters. She also shows you how to get your basic finances right, save for your first home and make your pension socially responsible. You'll find out all about the rewards and risks of online investing, from sexy stockpicking apps to digital wealth managers, and learn how to manage your long-term finances so you can avoid major mistakes and achieve your goals. Investing often gets a bad rep thanks to the Wolf of Wall Street, social media scams and high-rolling money men. In fact, investing has never been more accessible, more interesting – and more important. It’s the single biggest thing that we can do to change our lives, and society, for the better. So what are you waiting for? Let’s start owning it!

From aluminium and platinum to zinc and gold, oil and gas to cocoa and wheat, our lives are full of products derived or made from commodities - the world's natural resources. We often take them for granted - but at our peril, given the pivotal role these resources play in what we consume and produce. Price volatility, changing patterns of global demand and geopolitical instability regularly expose how unpredictable availability of and trade in commodities can be. This revised edition offers a concise and indispensable guide to commodities, including the latest trends in consumption, production, trade, markets and prices, as well as invaluable insights into future developments. Whether as raw materials or financial assets to be traded, commodities matter. This book shows us why.

This captivating children's atlas gives a complete history of the life and times of our world, through a series of stunning, specially commissioned 3D maps. Wrap up warm for a trip to the Ice Age, wonder at the invention of the wheel, show your support at the French Revolution, and blast off for the Moon landings! This fascinating history book for kids showcases the impact of global events over millennia and centuries past. From ancient times to the 21st century, these colourful, detailed maps pinpoint exactly when and where the most important events and movements in history happened, as well as the part they all played in shaping the world today. Children aged 9+ will love to travel through time right up until recent history, including World War II and the Space Age. This historical map book for children features: - More than 60 global, continental and regional maps that plot the geographical spread of the most important events, movements, and civilizations in world history, encouraging learning and stimulating interest in the wider world. - Beautifully illustrated and specially commissioned maps, designed to bring an instant understanding of the subject, and how, where, and when the relevant events occurred. - Key events in history like the spread of the Black Death, the expansion of the Roman Empire, the impact of World War II. What's Where on Earth? History Atlas is totally unique and the ideal book for anyone and everyone who wants to know more about the world. This round-the-world trip begins with the first humans and cities before visiting the Egyptian pharaohs and experiencing the rise of the Roman Empire. This History Atlas is the perfect gift for children curious about the past and the world around them, as well as parents and educators looking for a visual way to tell stories.

Through a series of original interviews, specially commissioned photography and fascinating archive material, England Our England tells the personal stories of the black and Asian pioneers who crossed the waters to make Britain their home. Rich portraits and moving personal accounts show how they dealt bravely with the shock of rejection and cold weather, the difficulties of finding work and making connections with the British, but also how their achievements ultimately transcended both their own expectations and those of the country in which they came to live, creating the multicultural society that we know today and a rich legacy for future generations. The book includes interviews with Russell Henderson, co-founder of the Notting Hill Carnival, Yvonne Bailey-Smith, mother of novelist Zadie Smith, playwright Mustapha Matura, film director Horace Ove and Deloris Smith, mother of singer Beverley Knight.

Can they heal each other? Adjusting to life as an amputee, medic Princess Georgiana refuses help from anyone. Rehabilitation with gorgeous but off-limits Ed means letting her guard down-something Georgiana finds hard... Can Ed help her to see just how strong her scars make her? She's tempted...but will he stay? Helicopter pilot Mallory has her life turned upside down when she finds a sexy French stranger in her house. Handsome doctor Josue pushes all the right buttons! But while passion sizzles, Mallory can't be sure of what's in his heart...

The sixth series of the roots music show in which musicians from Britain and the USA perform together with a house band led by Jerry Douglas and Aly Bain. Featured artists in this series include Maura O'Connell, Cara Dillon, Julie Fowlis, Karen Matheson and Tim O'Brien.

Fully revised and updated by the author, this is the perennial and comprehensive guide to the art of wildlife gardening from the RHS, freshly illustrated and bursting with new ideas, ideas and projects. Gardening and wildlife make perfect partners. So many people are discovering that by choosing the right plants for nectar and fruit, providing some shelter and safety, a little extra food and water, and a nest box or two, any garden, balcony or backyard can be dramatically brought to life. This best-selling book was first published as How to Make a Wildlife Garden, and launched at the 1985 Chelsea Flower Show, making wildlife a mainstream issue for gardeners and the public. Now fully revised and updated by the author, this beautiful new freshly illustrated edition highlights the changes in garden wildlife over the past 35 years. Incorporating RHS research, updated best practice and addressing a multitude of controversial conservation issues, this stunning guide is also a celebration of the rich variety of wild plants and animals that can bring a beautiful garden to life. Packed full of practical advice from which plants to choose for bees, birds and butterflies, how to construct the ideal wildlife pond, where to position nesting boxes and how to enjoy wildlife in any size of outdoor space, this authoritative companion shows how wildlife gardening can make a stylish and enjoyable contribution to the environment, inspiring new gardeners while also delighting the very many owners of the best-selling original.

Sat's obsession for more than three decades of being a chef has been flavour, and that's not something he's prepared to sacrifice to ensure his food is also heart healthy. He still enjoys the odd steak and glass of red wine - since we all, occasionally, need to treat ourselves - but it's always in moderation. His diet focuses on lean protein and a mix of legumes, good fats - such as avocado, nuts and olive oil - vegetables and fruits, as well as seasonings that help elevate any dish. The recipes are designed for every day, use ingredients that can be bought from any supermarket and are accompanied by advice written by nutritionist Dr Neil Williams highlighting the ingredients that are rich in the vitamins and minerals that aid heart health.