About Thinking Outside the Money Box: Simple Steps To Increase Retirement Income, Reduce Taxes And Protect Your Nest Eggby Mark Lumia

Thinking outside the box is one of those catchphrases that started popping up in business conversations a few years ago. It is a colorful metaphor that means to think differently, unconventionally, or from a new perspectives. To think outside the MONEY box requires taking a fresh look at many of the financial challenges facing retirees in the 21st Century. Many investment strategies that worked in the decades of the 1980s and 1990s simply don’t work today. And yet many, even in the financial advisory community, are still living in the past. In this book, you will find several specific examples of new-era strategies and concepts that solve the retirement challenges that are unique to baby boomers today. Thinking Outside the Box not only shines the spotlight of logic and rational thought on “mainstream” concepts that simply do not work anymore, but also provides the clear vision you need to see what does work and why. Endorsements “Mark Lumia has provided a much needed retirement security blanket. He shows you how to avoid bumps in the road ahead by planning with useful “What if” scenarios and examples. You’ll also find a wealth of smart retirement income strategies to increase cash flow by optimizing your Social Security and retirement benefits, while minimizing taxes. The result is more income, less taxes, less investment risk and most important, less worry about retirement.” -Ed Slott, CPA Retirement expert and Founder of www.irahelp.com and www.theslottreport.com “Thinking Outside the Money Box will help baby boomers make a critical shift in the way they think about money. As boomers move from the accumulation phase of retirement planning to the distribution phase, they will face many issues they’ve never had to face before: how to maximize Social Security benefits, how to shelter retirement income from taxes, and that all-important question of how not to run out of money. Mark Lumia explains, through solid research and plenty of numbers, how boomers can navigate this new landscape and avoid making mistakes before it’s too late.” -Elaine Floyd, CFP® Director of Retirement and Life Planning, Horsesmouth, LLC “Mark joins an illustrious group of RMA graduates who have written valuable books on retirement planning. In his book, he also refers to a paper published by fellow RMAs (Sean Ciemiewicz and Christine Russell) in the Retirement Management Journal (RMJ). Mark’s additional insights, based on the paper, advance our collective understanding. I was particularly interested in his focus and clear explanations on the various types of annuities. This is another valuable book written by a fellow RMA and I am pleased to write this recommendation.” -Francois Gadenne Chairman of the Board and Executive Director Retirement Income Industry Association

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Author Bio:
Mark R. Lumia, founder of True Wealth Group, LLC, located in beautiful Florida, has been providing financial guidance to a clientele of active retirees, internet entrepreneurs, successful professionals and business owners since 1991. He specializes in IRA distribution planning, tax reduction, wealth maintenance and income planning, as well as assisting retirees with financial issues and peace of mind. Mark attended the University of Florida and also completed the Certified Financial Planner ™ program. In addition, he graduated from The American College, where he was awarded the Chartered Financial Consultant, Certified Advisor for Senior Living and Retirement Income Certified Professional designations. Mark also earned the Retirement Income Industry Association (RIIA) Retirement Management Analyst designation. He has appeared on “Talk About Money” on WXEL, the Fox channel, in The USA Today newspaper, Forbes Magazine, Financial Planning Magazine and frequently conducts educational events on a variety of tax savings and income increasing topics. Mark also contributes to MarketWatch.com Retirement Weekly. Mark resides in Ocala, Florida with his wife Maryna, sons Ian, Liam and daughters Mia, Lydia. Please visit Mark’s website

About The Married-Go-Round: Stop Going in Circles and Realize Your Dream of a Peaceful, Intimate and Connected Marriageby Robert Harpole

Does it ever feel like your marriage is on a merry-go-round? You keep facing the same issues over and over again. You wonder if it can ever get better. You wonder if you can ever have the marriage of your dreams. The Married-Go-Round shows you how you can have the marriage you’ve always hoped for–a marriage that is peaceful, intimate and connected.

You can stop arguing and start getting along. You can overcome resentment and love your spouse in spite of their weaknesses. This authentic look at relationships has helped countless couples in counseling and is now available in book form.

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Author Bio:
Bob was born and raised in Evansville, Indiana. He received degrees in Architecture and Environmental Design from Ball State University in 1981. While working at an Architecture firm in Indiana, Bob was called into the ministry in 1985. He and his wife Barb received their ministerial training in Chicago. From there they led a church in Cincinnati for three years before moving to Los Angeles. They have been married over thirty years and have three children. They have always had a passion for helping marriages transform. They have helped countless people improve and strengthen their relationships.

About Operation: Date Escapeby Lindsey Brookes

Since her divorce two years before, Kelsie Collins has been determined to guard her heart and steer clear of seemingly ‘perfect’ men. An easy task considering the kind of men her matchmaking mother and her best friend, Nanci, keeps setting her up with. She allows them to set her up, knowing their hearts are in the right place and that there is no risk of her letting any man close enough to hurt her again. Her growing experience in ways to slip out of those ‘dates from hell’ prompts her to start writing a bad date survival guide. One aptly titled – OPERATION: DATE ESCAPE. And it’s during one of those escapes that sexier than sin firefighter Cole Maxwell comes to her rescue.

Cole isn’t sure what to think when the sexy redhead he’s just ‘rescued’ from a bad date informs him that he’s too ‘perfect’ to date. That’s a first. He’s had relationships end because the women couldn’t handle the risks that go along with his chosen profession, but never because he’s too perfect.

When his crew gets called out to rescue someone who is stuck in a tree, Cole finds himself once again coming to Kelsie’s rescue. This time he’s not about to let her get away without agreeing to give him a chance, even holding her high heels hostage to make it happen. She finally gives in and things heat up between them like a 3-alarm fire. But there’s more than passion between them and Cole sets out to prove to Kelsie that he’s nowhere near ‘perfect’, but he is the ‘perfect’ man for her. Can he get past the wall she’s built up around her heart? Or will he end up being just another chapter in her book of men she ran from?

*Operation: Date Escape was a Romance Writers of America Golden Heart finalist as well as a finalist in the American Title III Competition put on by Romantic Times and Dorchester Publishing.*

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Romance author Lindsey Brookes is a four-time RWA Golden Heart finalist, as well as a past American Title III finalist, and winner of Harlequin’s Great American Romance Novel contest. She writes for Kensington Publishing, Amazon Publishing, and has indie-pubbed several of her young adult and adult contemporary romances. She is represented by Michelle Grajkowski with 3 Seas Literary Agency. Lindsey’s website: www.lindseybrookes.com

About Guilt Trip, The Mystery by Donna Huston Murray:

Frank Roitman is right to be suspicious—that wrongful-death lawsuit, stockholders threatening mayhem, the sudden suicide of his son-in-law and Chief Financial Officer. Now a strange blonde enters the airport on the arm of the deceased’s remaining brother. Should he allow her to attend the Caribbean funeral his daughter planned? Keep your friends close, your enemies closer. Frank nods, and Lauren Beck is in. Big mistake! PRE-ORDER price $.99 1/24 to 1/31. Pub date: 2/1/16.

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Donna Huston Murray’s seven Ginger Barnes Main Line Mysteries (originally with St. Martin’s Press) feature a woman much like herself, a headmaster’s wife transplanted to an upscale neighborhood by her husband’s job. FINAL ARRANGEMENTS, set at Philadelphia’s renowned International Flower Show, simultaneously achieved #1 on the Kindle-store Mystery list and #1 for Female Sleuths. THE MAIN LINE IS MURDER attained #2 for Female Sleuths. The first of the Lauren Beck Crime Novels, WHAT DOESN’T KILL YOU, The Mystery, was awarded Honorable Mention in the 2015 Writer’s Digest Self-Published Book Awards.
At home, Donna assumes she can fix anything until proven wrong, calls trash-picking recycling, and, although she should probably know better by now, still loves Irish setters.
Donna and her husband, Hench, live in the greater Philadelphia, PA, area. They have two adult children.

About The Quixotic Faction by TD Kohler:

Admiral Julian Kay creates a small, unlikely team that is drawn to the heart of Louisiana chasing an atmospheric anomaly that appears to have a single point of origin. They come face to face with an organization with operatives that are right out of legends and mythology. Discovering that their pasts have been erased and now wanted by the FBI, they form an improbable alliance to try and stop a thief who is using a deadly energy that should not exist.

Can they survive long enough to get their pasts back, clear their names and solve the mysterious anomaly origin?

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TD Kohler currently serves in the United States Navy as an Electronic Technician. He has spent much of his life traveling to many countries in the world from Japan to Afghanistan and Guam, where he currently resides.

When he is not off on his travels, TD Kohler enjoys such past times as fishing, shooting pool in the local taverns, and behavioral studies.

In addition to The Quixotic Faction and the upcoming series, TD Kohler has written a screenplay called “Dawn of Dark Universe”.

About Nerd Know-How: The 27+ Best Apps for Work… & How To Use ‘Em! by Beth Ziesenis:

Nerd Know-How brings you into the nerdy world of Beth Ziesenis while you discover apps to help you organize your work and life, collaborate with others, share your knowledge, design anything creative, create images and videos, travel the world, outsource your busy work and Google smarter. With practical tips and a whole lot of humor, Beth walks you step by step through 27+ essential apps for work and home, plus hundreds of other resources and lists.

Beth Z is a technology expert and proud nerd who shares the best apps, tech tools, widgets and gadgets to thousands of people a year. The author of three books, Beth keeps up with the latest technology so you don’t have to.

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Meet Beth Ziesenis, your own personal Nerdy Best Friend. She keeps up with all the new online applications and downloads that can help you look like you’re working with a team of marketing, computer and productivity experts, even if you suffer from a shrinking staff and a disappearing budget. Beth Ziesenis is an author, speaker, marketing analyst and complete tech geek. From her home base in sunny San Diego, California, Beth helps computer users all over the country filter through thousands of apps, gadgets, widgets and doodads to find the perfect free and bargain technology tools for business and personal use.

About To Have and To Master by Sparrow Beckett

A modern twist on an arranged marriage, To Have and To Master received 4.5 stars and TOP PICK with RT Book Reviews! If you like 50 Shades of Grey, you’ll love this story of a Dominant man and his virgin rural girl from Russia.

NYT Bestselling author Jessica Clare says “I could not read fast enough!”

USA Today Bestselling author Annabelle Joseph says “This story was deliciously sexy and sweet.”

Is this romance book in is available in ebook format.

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About Isle of the Blessed:

“Trust is the most important thing between husband and wife. If you cannot trust your husband with your heart, your life, or your love, nothing else matters … only give the sword to your husband if you can trust him with all these things.”

As a child, Josephine MacAdams had dutifully memorized her mother’s —words even if she didn’t quite understand what they meant. For years, Josephine kept the secrets handed down through generations of DeReyne women. Now that her betrothed of more than four years has finally come for her, she must decide if he is not only worthy of her heart, but also of the ancient sword. Will Graeme MacAulay prove worthy or will Josephine have to keep the sword hidden for another generation?

But that is not her only worry. She loves her sister-of the-heart, Laurin, who cannot escape the horrors of her past. Illegitimate, abandoned by her mother, and sorely abused by her laird, Laurin’s only hope of ever being free lies in the hands of a man she has just met – Albert MacAulay. Never one to loosen his purse strings, much to the surprise of all who know him, he pays for her freedom. But what will he expect in return?

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USA Today Best Selling Author, Suzan Tisdale, lives in the Midwest with her verra handsome carpenter husband and the youngest of their four children. Currently in year five of a home remodeling project, Suzan believes there is now light at the end of that long, dark tunnel. Her husband promises her that all construction will be done by Christmas. What he refuses to divulge is Christmas of what year.

About Runes, Book1 of the Runes series:

· 17-year-old Raine Cooper has enough on her plate dealing with her father’s disappearance, her mother’s erratic behavior and the possibility of her boyfriend relocating. The last thing she needs is Torin St. James—a mysterious new neighbor with a wicked smile and uncanny way of reading her. Raine is drawn to Torin’s dark sexiness against her better judgment, until he saves her life with weird marks and she realizes he is different. But by healing her, Torin changes something inside Raine. Now she can’t stop thinking about him. Half the time, she’s not sure whether to fall into his arms or run. Scared, she sets out to find out what Torin is. But the closer she gets to the truth the more she uncovers something sinister about him. What Torin is goes back to an ancient mythology and Raine is somehow part of it. Not only is she and her friends in danger, she must choose a side, but the wrong choice will cost Raine her life.

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Author Bio:
Ednah Walters holds a PHD in Chemistry and is a stay-at-home mother of five. She is also a USA Today Bestselling Author. She writes about flawed heroes and the women who love them. Her Contemporary Romance international bestselling The Fitzgerald Family series, that started with Slow Burn and has a total of six books in this series-to her new USA Today Bestselling series Infinitus Billionaire: Impulse (book 1) published was in January 2015. Indulge (book 2) released in August 4th, 2015 and Intrigue (Book 3) to be released early 2016 She Also writes YA Paranormal Romance as Ednah Walters. Her award-winning, International bestselling Runes Series started with Runes and has a total of 6 books in this series. The latest, Witches, released in March, 2015 and her most recent addition Demons, A Runes Companion Novel. Eirik Book1, The story of Raine’s best friend and former crush Eirik Seville, released on December 15th, 2015. And her YA Urban Fantasy international bestselling series The Guardian Legacy- , that started with Awakened and has a total of 4 books in this series. The latest Forgotten, released in June 2015 (which focuses on the Nephilim, children of the fallen angels. Whether she’s writing about Valkyries, Norns, and Grimnirs, or Guardians, Demons, and Archangels to her love, family, and friendship play crucial roles in all her books.

About Sirens of the Northern Seas:

Le Veque… Markland… Rand… Prince… Rose… and VIKINGS.

Five of the bestselling authors in Historical Romance now bring you a collection of never-before published Viking tales unlike any other. If you like Vikings, and powerful romance, you’ll not want to miss SIRENS OF THE NORTHERN SEAS.

The pairing of Norsemen and wildflowers may seem an unlikely combination. Vikings evoke images of strong, sometimes brutish men who allow nothing to stand in their way as they journey to the ends of the earth. They’re not normally associated with tender feelings.Wildflowers, however,conjure more personal and sentimental images. SIRENS OF THE NORTHERN SEAS brings together these two elements, seamlessly blended, into an unforgettably romantic collection.

KINGDOM BY THE SEA by Kathryn Le Veque is a tale based on Edgar Allan Poe’s poem “Annabel Lee”. In this story, the Bluebell becomes the common thread between the hero and heroine in this deeply romantic and bittersweet tale of two warriors crossing paths in the midst of a Norse raid.

In VIKING HEARTS by Violetta Rand, the Purple Saxifrage serves as a testament to the heroine’s Viking lineage and provides vital proof of her connection to a great Norse family.

A VIKING’S PROMISE by Elizabeth Rose tells the tale of dainty blue Forget-Me-Nots carrying the weight of the hero’s promise to his betrothed as he leaves for a raid across the sea.

In THE BRIDE PRIZE by Emma Prince, the yellow Coltsfoot blossom signals the end of winter, but Emma’s hero and heroine must overcome seemingly insurmountable obstacles before they can enjoy spring’s sweetness together.

In Anna Markland’s tale, BANISHED, a simple handful of Bluebells picked from a meadow by childhood sweethearts becomes a symbol and eventually an acknowledgement of a love long denied.

Please enjoy these brand-new stories from these bestselling authors.

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Author Bio:
KATHRYN LE VEQUE is a USA TODAY Bestselling author, an Amazon All-Star author, and a #1 bestselling, award-winning, multi-published author in Medieval Historical Romance and Historical Fiction. She has been featured in the NEW YORK TIMES and on USA TODAY’s HEA blog. In March 2015, Kathryn was the featured cover story for the March issue of InD’Tale Magazine, the premier Indie author magazine. She is also a quadruple nominee (a record!) for the prestigious RONE awards for 2015.

Anna Markland – Passion smolders in my page-turning adventures, turning to ashes whatever obstacles a hostile medieval world can throw in its path. Besides writing, I have two addictions-crosswords and genealogy, probably the reason I love research. I am a fool for cats. My husband is an entrepreneur who is fond of boasting he’s never had a job. I live on Canada’s scenic west coast now, but I was born and raised in the UK and I love breathing life into the history of my homeland. Escape with me to where romance began. You can find me at my website and my Facebook page, Anna Markland Novels. Tweet me @annamarkland, join me on Pinterest, or sign up for my newsletter.

Violetta Rand – Raised in Corpus Christi, Texas, Violetta Rand spent her childhood reading, writing, and playing soccer. After meeting her husband in New England, they moved to Alaska where she studied environmental science and policy as an undergraduate before attending graduate school. Violetta then spent nearly a decade working as an environmental scientist, specializing in soil and water contamination and environmental assessments. Violetta still lives in Anchorage, Alaska and spends her days writing evocative New Adult romance and historical romance. When she’s not reading, writing, or editing, she enjoys time with her husband, pets, and friends. In her free time, she loves to hike, fish, and ride motorcycles and 4-wheelers.

Emma Prince is the Amazon All-Star and Bestselling author of steamy historical romances jam-packed with adventure, conflict, and of course love! Emma grew up in drizzly Seattle, but traded her rain boots for sunglasses when she and her husband moved to the eastern slopes of the Sierra Nevada. Emma spent several years in academia, both as a graduate student and an instructor of college-level English and Humanities courses. She always savored her “fun books”–normally historical romances–on breaks or vacations. But as she began looking for the next chapter in her life, she wondered if perhaps her passion could turn into a career. Ever since then, she’s been reading and writing books that celebrate happily ever afters! Visit Emma’s website, www.EmmaPrinceBooks.com, for updates on books, future projects, newsletter sign-up, pictures, and more!

Elizabeth Rose is the bestselling author of nearly 50 books. She writes medieval, historical, contemporary, paranormal and western romance. She is on Amazon’s top 100 list of most popular authors of Historical romance. Her books appear as ebooks, print, and now she’s started publishing them as audiobooks as well. The Baron’s Quest, Daughters of the Dagger Prequel and Ruby are her first audiobooks. Watch for more next year. Her book, The Oracle of Delphi, has been seen on the History channel, and Thief of Olympus was a past Romantic Times nominee for Reviewer’s Choice Award. Kyros’ Secret has also been a finalist in the Sapphire Awards.

About In the Devil’s Bed by Eva Devon:

A Soldier Driven By Revenge:

Captain Jack Hazard was raised in the slums of the East End. He’s clawed his way to the top of London commerce as the owner of the most powerful bodyguard service in the country. With such achievements, he should be happy. But Jack will never know happiness until he destroys the Duke of Chiles, the man responsible for his only friend’s brutal death. There’s just one thing. The easiest way to destroy the duke is by ruining his granddaughter, Lady Regan. Can Jack do whatever it takes for revenge, or will Lady Regan’s strength and determination reawaken his heart to love.

A Lady Who Won’t Back Down:

Lady Regan is nothing like her grandfather, the powerful and infamous Duke of Chiles. In fact, instead of oppressing the poor she, in the footsteps of her murdered father, is determined to help them any way she can. When Regan starts receiving death threats, she knows she needs help. Captain Hazard seems the perfect choice. But Captain Hazard is a dangerous man. A man who seems the opposite of all her pacifist principles. Will she harden herself to the rough man he presents or discover that loves exists even in the darkest of hearts?

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Author Bio:
USATODAY BESTSELLING AUTHOR, Eva Devon, was raised on literary fiction, but quite accidentally and thankfully, she was introduced to romance one Christmas by Johanna Lindsey’s Mallory novella, The Present. A romance addict was born. She devoured every single Lindsey novel within a few months and moved on to contemporary and paranormal with gusto. Now, she loves to write her own roguish dukes, alpha males and the heroines who tame them. She loves to hear from her readers. So please pen her a note! evadevonauthor@gmail.com

About Life after Life:

In this book 12 deceased human beings describe their initial experiences and encounters in the beyond. These personal accounts, transmitted through the Swiss deep trance medium Beatrice Brunner, are impressive testimonies of the continuation of life after death and provide revealing insights into the world that awaits us. Each of these accounts gives us information which goes far beyond what has been ascertained by classical thanatology.

“My name is Mathys … When I arrived here in the beyond, I was astonished at the reception I was given. My parents, who had returned to the spirit world a long time before, came to greet me and were overjoyed to see me. ‘Now you need never worry again about your daily bread!’ they told me.”

“My name is Peter. I died when I was seventeen. During my short life on earth I never gave any particular thought to the world beyond. When I entered this world where everything was quite new to me, I was met by my grandmother, clearly overjoyed that I had come home.”

“My name is Theresia. … During my life on earth I, too, made many, many mistakes. I was told this immediately I arrived here in the spiritual world. But I was also told the following: ‘Theresia, you have earned yourself considerable merit on account of your many children.’”

“My name is Jakob. … During my life on earth I could not believe in God – I could not find him. I had little sense of responsibility and could see no purpose in life. My lack of belief led me to make many mistakes in my life.”

“My name is Maximilian. … I did not suffer much before my death, and when I opened my eyes in the next world I was astonished to discover that death was not the end of everything.”

“My name is Amalia. … I was ill for a while and I had to be nursed. … When I opened my eyes I found myself in a very different setting: everything was bright, and there was light all around me.”

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Beatrice Brunner (1910–1983) counts among the most important deep trance mediums in the German-speaking world. During the 35 years of her service, she channelled more than 2500 lectures from the world beyond. These lectures offer comprehensive instructions on Christian spirit-teaching, God’s creation and the “where from” and “where to” of mankind.

About Trout Fishing For Bodies – Book 2:

Private Eye Bob Roosevelt wants to leave big city crime behind and go trout fishing in the high Colorado mountains. Pea Brain, his snide Guardian Angel, who has been with Roosevelt since the war, tells him trout fishing might get him killed and he should go bar hopping instead. Never one to take advice Roosevelt ignores his Guardian Angel. But, what does Roosevelt catch in the high mountain spring water destined to be beer – not a trout that he has visions of frying in bacon greese, but a submerged naked lady with a bullet hole in her head. “You’d better beat feet,” his Guardian Angel warns. Feeling fate made him hook the lady with his cheap made in India flyRoosevelt vows he will find the killer. Cowboys who have watched too many John Wayne movies, cops that forgot what the law is, ladies who make black widow spiders seem like pussy cats, make Trout Fishing For Bodies a mystery that will have you rolling on the floor as you try to figure out the who done it.

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14 traditional books, 8 indied, my advice is just do it and don’t read too many how to write books. Notice I used the word JUST. 2 of my novels have been optioned, many reviewed by the big boys.