If you want to make a difference, make a change or make your mark on the world but just don't know how to start, here's the answer. Realise your true potential, find your edge and make your ideas and dreams - however big or small - a reality with The Ripple Effect. Wherever you are in life and no matter what you want to achieve, little changes in your approach and small shifts in your mindset can create ripples that have the potential to make big things happen - for you, your organisation, your community and maybe even the world! In this inspiring and motivating guide, visionary business leader and entrepreneur David J Harkin coaches you through eight key lessons that will empower you to make your own ripples. By igniting your curiosity, releasing your energy and teaching you how to ride the wave of your enthusiasm and self-belief, David expertly demonstrates how you can build your confidence, bounce back from failure and feel positively relentless in the pursuit of your goals and ambitions. Now is the right time to start making your mark. By starting The Ripple Effect today, just imagine the impact you might make on tomorrow.

As life expectancy increases, the risk that retirees will outlive their assets is a growing challenge. The shift from defined benefit (DB) pension plans to defined contribution (DC) plans also increases the responsibility for workers and retirees to make difficult decisions and manage their pension and other financial assets so that they have income throughout retirement. This book explores financial experts recommendations and strategies to navigate the difficult choices retirees will have to make, and which often depend on an individual's circumstances, such as anticipated expenses, income level, health and each household's tolerance for risks, such as investment and longevity risk.