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How most wealthy people appear. How wealthy people spend money. How non-millionaires act as though they were very rich but are not. What a fancy car really means. Who make monthly car payments? Who needs to practice financial restraint? Why looks can be so deceiving and appearances are not a way to determine if a person is wealthy. Which is harder to achieve: The first million or the second million? Why living below one's financial means is very important. Why time is your friend. Dr. Ridgway addresses these issues and questions, and more, in You Have 3 Million -- Now What?

Copyright to the contents of the articles published herein is retained by the respective authors. The views expressed herein are to be attributed to the authors and not to this publication, the Midwest Academy of Legal Studies in Business, its officers, the editors, or any named college or university. The material in this publication is for information purposes only and is not legal advice. For a specific legal opinion readers must confer with their own legal counsel. Copyright to the design, format, logo and other aspects of this publication is claimed by the Midwest Academy of Legal Studies in Business.

Patrick Brennan, the main character in the previous three books of the Seeds Quartet, The Seminary Seeds, The Military Seeds, and The Education Seeds, is again on the road to discover meaning in his life. Patrick has just retired from 40 years of teaching and is deciding what to do with his time. He has always lived a life of service as an altar boy and seminarian, an Air Force Linguist, and a teacher. Patrick comes to the realization that his legacy will be what he has done for others and how he has impacted their lives.

Why America is a great place to live. How to become wealthy and rich in the richest nation in the world. Why people fail to become financially rich or financially independent. Why the two words Liabilities and Assets are so very important. Why so-called safe investments are actually a death knell. How some investment risk is so important. How some simple pitfalls keep one poor or middle-class. Why the U.S. population experiences a 95% rate of financial failure. What is the difference between financially independent and rich? What is the major albatross hindering financial success? Author "Dr. Bob" Ridgway addresses these issues and questions, and more, in Destroying Rags to Achieve Riches.

Dick Dillon's story is of an Irish Catholic boy from Brooklyn who became a sure-minded, successful corporate leader. This book follows Dick's journey on to Canterbury School, Princeton University, the U.S. Army and jobs in New York, Mexico, Europe, Canada, Colorado, and California. Phyllis Freschi, the girl from St. Louis who became Phyllis Dillon, was a vital force in the Richard Emmett Dillon Saga. Tales of an Irish Rebel traces a success achieved through persistence and creativity and rife with encounters with the powerful, the famous, and the infamous. Defying a common corporate image, Dick says, "I was always a rebel." Others would call him a man of character who lives by his convictions, convictions wedded to an expansive, charismatic personality.

Kathleen Kennedy Wood now resides in Newport, Rhode Island, with her husband William Wood. She is a member of the Newport Library, The Boys and Girls Club of Newport, and the Newport Preservation Society. She volunteers at the Newport Gift Store at the Newport Hospital in which her books are sold. She is also a volunteer for the Newport Secret Gardens tours which are held in the Spring and Fall Seasons. She is the author of two other books, Chateau Sur Mer: A Child's View of Life at a Famous Newport Mansion, and Julie and Mary Go Sailing, which is a children's book. Her books are sold at the Mansion gift store down at the Bowens Wharf in Newport, the Breakers, and also at Chateau Sur Mer Mansion in Newport. Her books are also available at amazon.com, barnesandnoble.com, and bookstandpublishing.com. Kathleen is the mother of three daughters, Erin, Jennifer, and Erica. She also has two grandchildren, Adam and Julie, and a great-grandson, Isaac.

My Secret Cried Out is based on a true story about Gabriella who is a young lady in her late twenties. She has been living a normal life until one day she wakes up and finds herself alone in an empty room neither knowing where she is, how she got there, nor why she's there. As reality sets in that something is seriously wrong with her, she goes on a quest to find out what she's dealing with. Life takes her on a journey of ups and downs for her to find out the truth. With help from her family and a few close friends, she finds out what her illness really is and learns how to accept it for what it is.

For twenty-four years, Mary Zenchoff lived in a convent. She endured conditions that most of us never realized existed. Near-starvation, social deprivation, and impossible work assignments prevailed while Mary worked and prayed, and struggled to understand whether this was the life Jesus and God meant for her.

Stemming from the author's thoughts as a citizen and student, The Sinking Ship: A Critical Analysis of Multiculturalism in Postcolonial Cameroon is a modest, but absolutely, undeniably important assessment of the gains, whether positive or negative, that multiculturalism has earned for Cameroon since after independence from Britain and France. The book exposes this condition through an incisive reading of socially constructed literature and brings to light the idea that the postcolonial quest for a true national identity in Cameroon has been challenged by the failed rhetoric of a colonially motivated multicultural philosophy. The author therefore calls for a redefinition of the country's national identity in the spirit of unifying its alienated cultural dynamics into a tangible national nexus that works for all parties in the state. Akem Henry M. Egbe (M.A., PLEG, Ministry of Secondary Education, Republic of Cameroon)

The charm and magic of what everyone dreams about in Ireland is captured in this latest book by Gary Hope. This, the sequel to The Girl From Tir-na-nOg, completes the story and adventure of an American who is living the Irish dream he never thought possible. The beauty, loveliness and allure of the emerald isle is described in all its charisma and delightfulness. This story will keep you turning the pages in anticipation until there are none left to turn.

Why financial thoughts are so important. What a controlling spending program is. Why thinking about the future is so important. What ETFs are. How mutual funds earn money. Why goals are so important. Why over-spending is a huge finance issue. Why coupons are bad. What is the difference between liabilities and assets, and why are they important? What is the importance of small amounts of savings? Financial Thinking Makes the Difference addresses all of these issues and questions, and more.

Copyright to the contents of the articles published herein is retained by the respective authors. The views expressed herein are to be attributed to the authors and not to this publication, the Midwest Academy of Legal Studies in Business, its officers, the editors, or any named college or university. The material in this publication is for information purposes only and is not legal advice. For a specific legal opinion readers must confer with their own legal counsel. Copyright to the design, format, logo and other aspects of this publication is claimed by the Midwest Academy of Legal Studies in Business.

"If we could place time in a bottle, we would have less need for memories and less regret for wasted days." So contends Mark J. Ehlers in The Journey Continues, a new collection of essays on life, baseball, people and ideas from the author that brought us Eat Bananas and Follow Your Heart and Life Goes On. In The Journey Continues, Ehlers writes about ideas and people who inspire and intrigue him, reflects on the mystery of life, and struggles out-loud with the human quest for understanding. He writes about family, of love, loss, and missed conversations. And he writes about baseball as a game that "embodies the American spirit, the promise of childhood, and dreams of young boys in old men's bodies."

This is my first attempt at writing. I never considered myself a writer, but March 2013, when my sister, Sally, suggested that we get a local author to do a biography on our Dad, I fully agreed. So I started going through some videos of him speaking to the local Wharton Historical Society about the early days in Wharton, Texas. He had always been reluctant to talk much about the war experiences, as I had found many of his generation had been for many years. They tried to block out the bad experiences, and only remember the good times with some guys who they had really gotten close to during some really hard situations. I spoke to a local author several times and began taking notes, and recording conversations with the family, mostly Dad, and I really learned a lot that I either did not know, or had forgotten. Along the way, I began turning notes into a script, and filling in chapters, and with some encouragement from another author, Don Theye in South Dakota, a book began taking shape. Even now, as this book seems to be finished, it is still missing events and stories that are still coming to light, but I felt that it needed to be printed while Dad can also enjoy it. Thanks for reading. -Gene McCain

Why it is more important to save money than to earn lots of money. Why saving money is so important. What are the causes of lack of money? How to save money without pain. How to defeat debt. How to determine the number of years it takes for investments to double. Why you should keep or cancel credit cards. Why assets are more important than liabilities. What does "Cash is King" mean? How the world around us is changing. Why sound thinking about personal finance is so important. This book covers and addresses all of these issues and questions, and much more.

Relationships are the core of significance to others that become one in completeness with love. However, ups and downs with a soulmate is a runaway to acceptance. In this life, Millisa grounds herself to stay at home, in love with Morgan who wants her to himself and far away from her girlfriends that hate him and the way he holds Millisa hostage. Janet loves Millisa but doesn't agree with her life and while Janet and Glenn live up good opportunity soon to be wed, Janet becomes the overall disaster when windows to her past open, leaving Glenn with a decision. Live or die! Britany hated the way Janet always tried to control everybody's relationships like she had all the right answers and nothing to hide, like Janet's panties didn't stink of secrets. Nick on the other hand was Britany's everything, but when he got drunk and physically abusive, it left Britany with mixed emotions. When Millisa's mom, Veronica, comes to town she tries to find a man to sleep with. Could it be one of Millisa's girlfriend's significant others? While Nick is off on a vacation, Britany finds Franswa who soothed her of everything with great sex, until Franswa began to stalk and blackmail her. Fredrick tries to keep it together and Evoune is there for support, but Fredrick finds himself in another jam. Will Evoune be that ride or die chick? Will Morgan stay with Millisa or will he leave her for London who was like a ghost, the way he continued to search for London all around town like love never existed at home? Or maybe love was just a figment of everyone's imagination! For the love of secrets, infidelity and insanity, thank God for friendship, for when relationships land you dead, in jail or mentally damaged, if you don't realize That's the Way Love Goes, then you might not ever come back to reality.

Mental suffering affects us all. When it reaches an interactive scream, people can help. The first step is finding out what happened. Good to Hear Your Voice is a collection of autobiographical sketches, art and poetry by nineteen people who have experienced mental suffering. We want to stimulate conversation -- what happened, how it feels, what works, the prognosis -- whenever the mentally ill or their interested people find strength together.

Dwight is a man that has had his share of women and he is ready to finally make the plunge across the marriage aisle, but there is always a but. He's been having second thoughts about his relationship of two years due to his girlfriend Vanessa's constant phone gossip. Dwight has now been given a new assistant by his mentor at his law firm. Dwight sees his new assistant Roslyn exploding with confidence and becomes very intrigued by her. As faith would have it she is also very beautiful and very much single. Dwight notices things about her that is missing in his current relationship. After a few days of interaction with Roslyn things began to take a turn. Dwight notices himself beginning to look at her as the woman he had always been looking for. Since Roslyn was now his new assistance, that meant long hours in the office together alone. They began to tell each other about their most personal feelings. Dwight knew he was stepping in uncharted territory.