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.

Escape to Enchanted Hill in this historical mystery where two people with a dark, shared past collide while working undercover at a glittering mansion on the California coast. The year is 1930 and Cora McCavanagh is posing as a maid at Hollywood magnate Truman Byrd's legendary estate. She's closing in on the damning evidence she needs for a high-profile client. An aspiring PI, Cora was trained by her father, a former prison guard at the notorious Pelican Island, where Cora grew up surrounded by hardened criminals. Which is why she recognizes Jack Yates as soon as he walks through the door. The last time she saw him was on an ill-fated night that changed the course of her life and still haunts her more than a decade later. Cora never expected to see Jack again--and now a single misstep could cause both their secret identities to come crashing down. They strike a tentative truce to help each other during a week of parties overflowing with champagne and caviar. But there are puzzles hidden in every corner of Truman Byrd's labyrinthine estate, and if Cora is to finally learn the truth about Jack Yates, she must unravel a sinister history that the rich and powerful will do anything to keep concealed. Filled with intrigue and Old Hollywood glamour, Enchanted Hill is an unforgettable, sweepingly romantic novel set in a world you won't want to leave.

Lately Lily's grandad has been forgetting things you couldn't imagine forgetting like what you had for breakfast or how to get dressed. Mum wants to move Grandad to a care home, but Lily just knows that if she can help Grandad find his memory then he'll be back to normal. When Grandad's toy train comes to life, Lily and Grandad jump on board and revisit his childhood in Hungary. Then they come to a tunnel that Grandad is scared of and Lily knows going through it is the key to making him better. But not all memories are good and danger lurks in the dark... As Grandad's memories scatter in the wind, can they capture them all before they fly away? This is an action-packed graphic novel, filled with humour and emotion, about remembering who you are and the bonds that make us.

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.

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.

Nurse's Risk with the Rebel Sparks fly with the rebel doc! Outback nurse Meadow has shaped her safe, predictable life just the way she wants it since a childhood full of upheaval and neglect. So finding common ground with flying doctor Jay isn’t easy. He’s nomadic and reckless…and Meadow can’t understand why her pulse races whenever she’s with him! The grief that drives Jay’s thrill-seeking means any relationship with him is risky—and temporary. Does Meadow dare to allow herself the adventure of a lifetime…by giving in to his magnetism? Resisting the Brooding Heart Surgeon He’ll carve a place…in her heart! Nurse Shanna loves Halloween—so she’s determined to get brooding cardiothoracic surgeon Zeke involved in her charity pumpkin contest whether he likes it or not! As she gets to know the closed-off doctor she’s powerless to resist their attraction… But learning that Zeke’s a military reservist reawakens her fear of losing someone again. Is she prepared to walk away from the first person to make her feel truly whole?

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

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

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.

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.

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.

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.

'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.

Learn to draw beautiful flowers from the old masters with some help from Classic Sketchbook: Botanicals. Improve your skills by learning techniques on one page, and practicing on the next page. Imagine learning to draw roses with Redoute, or tulips with Pieter Brugel. Imagine learning the secrets that made their flower paintings stand out in their eras and still stand out today. Classic Sketchbook: Botanicals is an art book that shows you how to create flowers that will stand the test of time by taking a close look at the details of great floral paintings, and then coaching you through the techniques. Each spread in this unique book is made up of two hard working components: The left-hand page features a close-up illustration from a noted 19th century and earlier artist, and the right-hand page, made from quality, uncoated stock, is for drawing. There are also coaching tips, observations, and a demonstrative sketch on each page. As you progress through the book, you'll get to try a variety of artists' styles, and see how to apply them to your own personal style. Don't wait to get started! By learning from the masters, you'll become a master yourself.

The royal touch With his chocolate eyes sparkling above his surgical mask, nurse Marni finds her first surgery with surgeon Gaz is unforgettable! And when he whisks her off to the magical red-desert sand dunes of Ablezia, a sizzling kiss leaves her wanting more… But Marni’s about to learn a secret – her perfect date is a prince! • Whitney Thomason prides herself on being able to find the perfect partner for anyone – but heart surgeon Tanner Locke is a real challenge! He wants to settle down but refuses to fall in love. When Whitney’s candidate falls through, she acts as the fake girlfriend Tanner needs for his business getaway. But two days in close proximity proves torturous… They know giving in to temptation is a bad idea, but their desire is more powerful… • World-renowned transplant surgeon and single dad Seth Davenport will do everything to save his royal patient. Even if that means a reunion with his patient’s daughter, Princess Kaja Alderisi, the surgeon who once ran from him…after he’d offered her a diamond ring and his heart. But one look into Kaja’s captivating gaze makes it clear that he isn’t so willing to be left behind…

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.

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...

This new edition of the Bond 11+ Non-verbal Reasoning 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 Non-verbal Reasoning 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 Non-verbal Reasoning 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.