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'As stunning as it is unsettling. A contemporary gothic masterpiece' KATY HAYS'A beautiful and haunting examination of toxic friendships' HEATHER DARWENT'Darkly glamorous'GuardianA DAILY MAIL BOOK TO LOOK OUT FOR IN 2025A COSMOPOLITAN BEST NEW BOOK OUT IN JANUARY

van der Borgh K: And He Shall Appear

And He Shall Appear

The new roadmap to financial longevity, from the longtime on-air financial editor on the TODAY show and AARP's personal finance columnist, Jean Chatzky: capitalize on the power of a paycheck to build a retirement you love A comfortable retirement is the American dream. Yet only 8% of people feel it's easy to achieve. Even if you have been saving money in your retirement accounts for decades, there are endless questions: Do you have enough money to retire? At what age? How much can you withdraw per year? With lifespans longer than ever, are you at risk of running out of money? The solution? A paycheck that lasts for the rest of your life: a Forever Paycheck. With the power of a Forever Paycheck comes a simple, revelatory truth: you can spend more, and enjoy your life more, than you think you can.&nbsp; It’s a revolutionary concept. The latest research shows that workers who’ve been diligently socking money into their 401(k)s and IRAs get to retirement and can’t bring themselves to spend. But when their money comes as a steady monthly paycheck, they feel much more confident in using it to enjoy life to the fullest.&nbsp;Many find they can spend double – with no risk of running out. The tools and the financial products exist to build a Forever Paycheck that’s right for you. Whether you plan to work to 50 or 75, have a small 401(k) or a large stock portfolio, like to take risks with your money or always play it safe, bestselling author and financial expert Jean Chatzky provides a step-by-step plan for making your money work for you. &nbsp; Written in collaboration with AARP, The Forever Paycheck is for you if:&nbsp; <ul><li>You want to be able to confidently spend in retirement without worrying about running out of money</li><li>The thought of your paycheck ending fills you with dread</li><li>You want a sanity check that your retirement plan will sustain you</li><li>You’re 40, 50 or 60 and really haven’t thought about a retirement plan yet</li><li>You want to be able to leave something for your kids (and/or causes) and still enjoy your money yourself</li></ul> Filled with insights on the changing landscape of financial products and practical advice for how to actually use them, The Forever Paycheck is packed with the information you need to plan for the future you want.

The new roadmap to financial longevity, from the longtime on-air financial editor on the TODAY show and AARP's personal finance columnist, Jean Chatzky: capitalize on the power of a paycheck to build a retirement you love A comfortable retirement is the American dream. Yet only 8% of people feel it's easy to achieve. Even if you have been saving money in your retirement accounts for decades, there are endless questions: Do you have enough money to retire? At what age? How much can you withdraw per year? With lifespans longer than ever, are you at risk of running out of money? The solution? A paycheck that lasts for the rest of your life: a Forever Paycheck. With the power of a Forever Paycheck comes a simple, revelatory truth: you can spend more, and enjoy your life more, than you think you can.&nbsp; It’s a revolutionary concept. The latest research shows that workers who’ve been diligently socking money into their 401(k)s and IRAs get to retirement and can’t bring themselves to spend. But when their money comes as a steady monthly paycheck, they feel much more confident in using it to enjoy life to the fullest.&nbsp;Many find they can spend double – with no risk of running out. The tools and the financial products exist to build a Forever Paycheck that’s right for you. Whether you plan to work to 50 or 75, have a small 401(k) or a large stock portfolio, like to take risks with your money or always play it safe, bestselling author and financial expert Jean Chatzky provides a step-by-step plan for making your money work for you. &nbsp; The Forever Paycheck is for you if:&nbsp; <ul><li>You want to be able to confidently spend in retirement without worrying about running out of money</li><li>The thought of your paycheck ending fills you with dread</li><li>You want a sanity check that your retirement plan will sustain you</li><li>You’re 40, 50 or 60 and really haven’t thought about a retirement plan yet</li><li>You want to be able to leave something for your kids (and/or causes) and still enjoy your money yourself</li></ul> Filled with insights on the changing landscape of financial products and practical advice for how to actually use them, The Forever Paycheck is packed with the information you need to plan for the future you want.

The New Retirement Strategy to Spend More, Worry Less, and Never Run Out of Money

The Forever Paycheck

9 in 10 women experience ill mental health from poor life-work balance This book is for working women who feel dissatisfied with life, and who want to reinvent themselves to lead successful and fulfilling lives, in their personal life and at work. Our changing and challenging times have left many of us, and especially women, feeling burnt out, chronically worried and uncertain. At the same time, it's difficult to overstate just how much attitudes towards emotional wellbeing have changed in the last five years. As more and more of us struggle about how to exist in this unstable environment, question arise such as: How do you behave if you have a leadership role, given the unattractive role models we see currently in the US and elsewhere? What do you do as a mother when your children tell you they learnt at school that there will be a world war? The change is that women want a life that has meaning and purpose and there's more willingness to call out prejudice and predatory behaviour. Yet many of the same old problems persist. All of this is a case for stressing the importance of emotional connection, creativity and open-mindedness: attitudes and behaviours that will be at the heart of this timely book from pioneer coach, Jenny Rogers.

The Book for Women Who Do It All

Your Time

A Plain English Guide to Thinking Globally and Investing Wisely: The life-changing personal finance and investment bestseller

How to Own the World

Research Paper (postgraduate) from the year 2026 in the subject Guidebooks - School, Education, Pedagogy, , course: Education Management and Administration, language: English, abstract: Zambia's rural households face recurrent climate shocks, thin markets, and persistent poverty, which heighten vulnerability and limit productive investment. In this context, work¿conditional social protection programmes such as Food¿for¿Work (FFW) and Cash¿for¿Work (CFW) aim to stabilise consumption while building community assets. Yet evidence on their comparative effectiveness remains fragmented and sensitive to market conditions, seasonality, and implementation quality.
This thesis assesses FFW and CFW in Zambia, examining targeting accuracy, delivery efficiency, asset quality, and cost¿effectiveness, alongside impacts on food security, diversification, savings, debt, assets, labour allocation, and subjective well¿being. Special attention is given to heterogeneity by market access, timing within agricultural calendars, gender, and shock exposure. A mixed¿methods design combines a three¿wave household panel with qualitative process data. Propensity score matching and inverse probability weighting construct comparable groups, followed by difference¿in¿differences and fixed¿effects models; instrumental variables address potential endogeneity. Standardised indicators including HDDS, FCS, CSI, PMT scores, and Simpson Index guide measurement. 
Results show both modalities reduce negative coping and stabilise consumption. CFW yields greater improvements in dietary diversity and flexibility where markets and payment systems function well. FFW performs better in remote areas, during price spikes, and in lean seasons by guaranteeing staple supplies. Timing is critical: pre¿lean¿season transfers reduce distress sales and improve input access. CFW supports small enterprise entry, savings, and livestock gains; FFW protects schooling, meal frequency, and labour productivity. Both reduce high¿interest borrowing, though via different channels. 
Implementation quality strongly shapes outcomes. FFW faces logistical risks, while CFW is vulnerable to payment delays and inflation. Cost¿effectiveness varies by geography, with CFW cheaper in connected areas and FFW preferable where cash conversion is costly. Gender effects show increased autonomy under CFW and reduced budgeting stress under FFW, moderated by childcare and worksite conditions.

Programme Effectiveness and Household Livelihood Outcomes

Evaluating Food-for-Work and Cash-for-Work Interventions in Zambia

A provocative new theory of "the economy," its history, and its politics that better unites history and economics What is the economy, really? Is it a "market sector," a "general equilibrium," or the "gross domestic product"? Economics today has become so preoccupied with methods that economists risk losing sight of the economy itself. Meanwhile, other disciplines, although often intent on criticizing the methods of economics, have failed to articulate an alternative vision of the economy. Before the ascent of postwar neoclassical economics, fierce debates raged, as many different visions of the economy circulated and competed with one another. In The Real Economy, Jonathan Levy returns to the spirit of this earlier era, which, in all its contentiousness, gave birth to the discipline of economics. Drawing inspiration particularly from Thorstein Veblen and John Maynard Keynes, Levy proposes a theory of the economy that is open to rich empirical and historical scrutiny, covering topics that include the emergence of capitalism, the notion of radical uncertainty, the meaning of demand, the primal desire for money, the history of corporations, and contemporary globalization. Writing for anyone interested in the study of the economy, Levy provides an invaluable provocation for a broader debate in the social sciences and humanities concerning what "the economy" is.

History and Theory

The Real Economy

If you’re tired of one-size-fits-all leadership advice—this book is for you. If you’ve ever been told that you don’t fit the mold. That you don’t look like a leader or act like a leader. That you’re too much, or maybe not enough. The Antihero Advantage gives you permission to throw conventional leadership wisdom out the window, trust your instincts, and stop performing for approval or to meet some unrealistic standard. Instead, you’ll learn how to transform your flaws, fears, and doubts into tactical advantages. Bestselling author, communication strategist, and founder of Art of Coaching Brett Bartholomew tells it straight: You become a more effective leader when you learn how to channel your darker impulses with awareness, discipline, and strategy. Because real change rarely comes from playing it safe or trying to fit a mold. Sometimes you have to be willing to be a misfit — an antihero. That means breaking a few rules, accepting that not everyone will like you, and developing the tools needed to handle difficult people and to face conflict in ways that drive progress. Modern leadership demands social agility, power fluency, and adaptability. The Antihero Advantage gives you the tools to operate in complex, morally gray environments without losing yourself in the process. Stop seeking approval. Stop waiting for certainty. Stop doubting yourself. Only then will you become the leader you were meant to be.

Become the Leader You're Meant to Be

The Antihero Advantage

An epic and unforgettable fantasy adventure from a phenomenal new voice - NOW AN INSTANT NEW YORK TIMES BESTSELLER'A work of wild imagination, this is an outstanding debut' Juno Dawson, Sunday Times bestselling author of Her Majesty's Royal Coven'If you want to be surprised, gripped, moved and wildly entertained - this book is for you' Antonia Hodgson, author of The Raven ScholarAnabelle is trapped in a boy's body, and in a year, it will kill her.In the nation of Caimor, the wealthy buy and trade bodies like clothes. But Ana can only afford a grey, damaged male form, and by her seventeenth birthday, it's already falling apart. As her extraordinary magical ability grows, but her body continues to fail her, she is left with only one choice: become an assassin for Paragon Academy, Caimor's prestigious school of magic.But rebellion brews in Caimor, and at its helm is Khaiovhe, the most infamous dark mage in history. As Ana steals, fights and kills for Paragon, and forms a tentative alliance - and maybe more - with the elusive Wes, she discovers secrets that transform her concept of hero and villain ... while striving, above all, to become her truest self. And that might just be the most powerful thing of all.A page-turning blockbuster, full of heart-pounding action, inventive magic, cinematic plot twists and emotional gut-punches: the perfect must-have new read for fans of SIX OF CROWS, THE ATLAS SIX and BABEL.

Queen of Faces

Susan Bliss is torn between two lives.Her husband Alcott has decided only one will be remembered.'A magnificent debut' CLARE LESLIE HALL, author of BROKEN COUNTRY'Intelligent and very moving' ROSIE PRICE, author of WHAT RED WAS'A truly sublime novel' HANNAH BEER, author of I MAKE MY OWN FUN'Delivers heartache, euphoria and the unfathomable puzzle of family with singular brilliance' SIERRA GREER, author of ANNIE BOTIt's the 1990s.Susan Bliss is trying to make it all work. Her growing stardom in L.A., where she's a regular on one of the nation's favourite daytime TV soaps. And her less lauded role in New England, where she's wife to a history professor and raising young twins.It's the 2000s.Susan Bliss died tragically young, and Viola and Sebastian have little idea of their mother's fame.But the past can't stay hidden forever, and as the teenaged twins pursue the secrets their mother left behind, they spin off in different directions. Sebastian plunges down an investigative rabbit hole. Viola falls for the movie star Orson Grey, who was once her mother's co-star.Obsession, ambition, love, pain, wonder, mystery. Every family has its dramas. But what happens when someone else tells your story?Perfect for fans of Maggie O'Farrell, Ann Napolitano or Claire Lombardo, Family Dramais an exquisite debut novel about the fantasies we create and the people we become.What early readers are saying about Family Drama...'EXQUISITE! ... I can't wait to read this again and discuss it with my book clubs' ¿¿¿¿¿'A soap star mom living a double life ... This book is fully of messy families, complicated women and just enough drama to keep things juicy!' ¿¿¿¿¿'A love story that has so many obstacles' ¿¿¿¿¿'Nostalgic, poetic ... each storyline came back around in a circle' ¿¿¿¿¿'This book was written like a work of art' ¿¿¿¿¿'I loved it' ¿¿¿¿¿'Wow. That was a hell of a debut ... Her commentary on life, love and legacy felt thought-provoking and impactful' ¿¿¿¿¿'The writing in this novel pulls you in and the characters keep you there' ¿¿¿¿¿'Weaves together moments of heartbreak with scenes of high drama' ¿¿¿¿¿'A family drama that will pull you in from the beginning' ¿¿¿¿¿Why booksellers love this book...'One of the most moving books I've read in a long time ... It's extraordinary when a debut novel is this good about family drama!''I cried for the lost childhoods, the struggle to find a middle ground. Please read this so we can talk''A story of sibling love, loss, and the cost of following your dreams ... and all the drama that the title promises, this novel is a must-add for book club calendars'

Family Drama

The Business of K-12 Educational Excellence

From the visionary force behind EA’s most beloved video games, a must-read book on what the billion-dollar secrets of game design can teach us about building products better and making customers happier Video games are the biggest entertainment industry in the world—for a reason. Games tap into human psychology and drives like nothing else. So how can we recreate the satisfaction we feel playing games in day-to-day life? How can we harness that feeling to grow better businesses? These are the questions Bing Gordon has been trying to answer over his 40 year career in tech. Affectionately known as the godfather of the video game world, his influence and canonized “Gamification Checklist” have shaped the games and companies we engage with every day: EA Sports, Farmville, The Sims, Amazon Prime, Zynga, Spotify, Audible, Twitch, Duolingo, and Cameo, to name a few. Now, in Everybody Wins, Bing dives into each of the eight core elements of his checklist, lessons extracted from a lifetime in games: <ul><li>Wow Moments: Lead with unforgettable moments of exaltation</li><li>Everybody Wins: Engineer wins to be frequent, evident, and earned</li><li>Invest and Express: Create opportunities for self-expression and recognition</li><li>Session Economics: Make every session feel worth the time it took</li><li>Social Integration: Prioritize integrating social connection, always</li><li>Retention Hacking: Build “forever franchises” that delight and grow</li><li>Game Loops: Design satisfying repetition</li><li>Quantify Everything: Measure achievements at the micro-level</li></ul> Packed with unforgettable stories of Bing’s mind-boggling career, Everybody Wins imparts hard-earned wisdom that any business and anyone can implement for creating irresistible products and experiences. As all well-designed games show, when these principles are applied, you’ll always feel like you’re winning.

From the visionary force behind EA’s most beloved video games, a must-read book on what the billion-dollar secrets of game design can teach us about building products better and making customers happier Video games are the biggest entertainment industry in the world—for a reason. Games tap into human psychology and drives like nothing else. So how can we recreate the satisfaction we feel playing games in day-to-day life? How can we harness that feeling to grow better businesses? These are the questions Bing Gordon has been trying to answer over his 40 year career in tech. Affectionately known as the godfather of the video game world, his influence and canonized “Gamification Checklist” have shaped the games and companies we engage with every day: EA Sports, Farmville, The Sims, Amazon Prime, Zynga, Spotify, Audible, Twitch, Duolingo, and Cameo, to name a few. Now, in Everybody Wins, Bing dives into each of the eight core elements of his checklist, lessons extracted from a lifetime in games: <ul><li>Wow Moments: Lead with unforgettable moments of exaltation</li><li>Everybody Wins: Engineer wins to be frequent, evident, and earned</li><li>Invest and Express: Create opportunities for self-expression and recognition</li><li>Session Economics: Make every session feel worth the time it took</li><li>Social Integration: Prioritize integrating social connection, always</li><li>Retention Hacking: Build “forever franchises” that delight and grow</li><li>Game Loops: Design satisfying repetition</li><li>Quantify Everything: Measure achievements at the micro-level</li></ul> Packed with unforgettable stories of Bing’s mind-boggling career, Everybody Wins imparts hard-earned wisdom that any business and anyone can implement for creating irresistible products and experiences. As all well-designed games show, when these principles are applied, you’ll always feel like you’re winning.

What Games Teach Us About Making Products People Love

Everybody Wins

'I love all of MacIntosh's work. This one is definitely one of my favourites' Reader review ¿¿¿¿¿Don't miss this hilarious forced proximity, enemies to lovers rom-com from million-copy bestselling author Portia MacIntosh!In reality it was a business trip, dressed up as a romantic mini break, but the man behind the wheel was meant to be Candice Hart's boss (and secret boyfriend). Not Danny the new guy.Not only does Candice have to navigate the cramped quarters of Danny's 'fully' restored VW Beetle, but she also has to contend with his relentless enthusiasm for sharing his thoughts on everything from her career to her love life.As the journey turns into a chaotic adventure full of unexpected twists, Candice starts to realise that she might actually be enjoying herself with Danny more than she ever expected. Is it time to stop playing it safe and show the world the real Candice Hart?Tropes:Workplace romanceForced proximityEnemies to loversReaders LOVE Portia MacIntosh!:'Start to finish in 5 hours! Absolutely brilliant' ¿¿¿¿¿'One of those books you can't put down... Fun, flirty and really readable... Loved it' ¿¿¿¿¿'This was just perfect!'¿¿¿¿¿'Gorgeous... I completely devoured this book within a day... Had me giggling to myself many times... An absolute delight' ¿¿¿¿¿'Super cute. I loved everything about it' ¿¿¿¿¿'A gorgeous read which is guaranteed to leave you smiling... I have devoured this book in a matter of hours... I wish I could rate this higher than five stars' ¿¿¿¿¿

Drive Me Crazy

A new paradigm based on quantum probability that can model stock markets and price options—and also upends classical quantitative finance. In The Quantum Stock Market, David Orrell combines theory and new empirical findings to argue for a new approach to finance based on quantum probability. The main finding, a property called q-variance, may be unique in finance in that it was discovered as the result of a prediction, affects financial markets in general, has no tunable parameter, and has important consequences for a range of topics including the pricing of financial options. The property, which somehow eluded detection for over a century, has been verified by experts in the field. And the fact that it is incompatible with classical finance—which is perhaps why it went undetected—suggests that the field must be reinvented. The aim of this book is therefore nothing less than to initiate a paradigm shift in finance. As with any new work that challenges existing methods, the ideas have already received considerable pushback from a range of sources, including leaders in the field of finance, along with physicists skeptical of applying quantum probability outside its traditional domain. Written in an interdisciplinary style that mixes mathematical equations, data analysis, and informed comment on the field of finance, it should be read by anyone—including students, academics, and practitioners—who wants to be on the right side of a paradigm shift.

And the Road Not Taken in Finance

The Quantum Stock Market

And He Shall Appear

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