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Change is coming to insurance. The tradition-bound P&C industry is on the cusp of the most radical change since the invention of the automobile. And leaders are unprepared for the size, scale, and speed of what's to come from the wave of millennials, new technology, and venture capital funding coming our way. Insurance has been largely immune to upheavals for reasons that startups do not comprehend. But this time is truly different. Forces have been unleashed that will upend the industry sooner than you think.

Award-winning crime novelist Rob Riley takes a sharp turn into dark, psychological territory with his new short story, The Do-Over. Bill Simons, a man who needs to change his life and location, moves to New York City to begin again - in many ways. A professional and a gentleman, he is off to a fine start, when he meets and begins a relationship with a beautiful woman. The past oozes into and pollutes the present, and the changes he is forced to make bring a do-over of the nightmare from which he had escaped.

The story of the clipper ships, and the tens of thousands of migrants they brought to the Australian colony of the 19th century, is one of the world's great migration stories. For anyone who travelled to Australia before 1850, it was a long and arduous journey that could take as much as four months. With the arrival of the clipper ships and favourable winds, the journey from England could be done in a little over half this time.

Weaving together inspiring stories with four decades in the trenches, this nationally recognized expert charts the road-map to success in Winning: The Five Truths of Fundraising. How do relationships begin? What’s the most important skill to master? Winning uncovers the fundamental keys to achievement everyone can master in a warm, approachable style.

How far would you go to save a stranger? For ex-mafia fixer Charlie, it could be all the way to the grave. That innocent job driving a truck from port? Not so innocent. He’s told not to look in the back. But Charlie can’t resist. He’s drawn into the dark, dangerous London underworld. And across the path of beautiful, feisty Amira. Soon she’s the victim of an international crime ring. With Charlie her only hope. Will Charlie continue his journey of redemption?

Early in July, Northern Nevada’s senior Internal Revenue Service agent, Ronald Soranden - disliked by every agent in the Reno IRS office - vanished without a trace. In September, he makes a dramatic reappearance, of sorts. His skull - stripped clean and white - is dropped through the slashed top of a Mustang convertible. The vehicle belongs to Lucy Landry, PI Mortimer Angel’s gorgeous young assistant now working with him on a seemingly unrelated embezzlement case. But Mort is a former IRS field agent in Reno.

This isn't where Nick Owen thought he would be by this point in life. He used to be a busy web programmer. Now, he spends most of his energy trying to stop his three-year-old twins from playing in a dirty sand pit. Nick thinks of himself as Daddy 3.0, a stay-at-home dad - but he just wasn't programmed for this. He's just about nearing the end of his rope when the Swing Incident happens. Now, Nick's going to have to learn to fight fire with fire and become the best super-parent on the block.

Combining the authors' personal weight-loss stories with their passion for economics, this bold new behavioral approach to dieting recommends micro habits and meta-rules that will enable dieters to control their impulses to overeat, approach food in a healthier way, and lose weight once and for all. Chris Payne and Rob Barnett are two formerly obese economists who met while working at Bloomberg. When they finally decided to do something about it, they lost weight by applying what they know best - economics - to their waistlines.

Seven students are about to have their lives changed by one amazing teacher in this school story sequel. It’s the start of a new year at Snow Hill School, and seven students find themselves thrown together in Mr. Terupt’s fifth grade class. There’s...Jessica, the new girl, smart and perceptive, who’s having a hard time fitting in; Alexia, a bully, your friend one second, your enemy the next; Peter, class prankster and troublemaker; Luke, the brain; Danielle, who never stands up for herself; shy Anna, whose home situation makes her an outcast; and Jeffrey, who hates school.

This is the script for and the annotations concerning the Naturocrit Podcast Episode 013, which is titled "The State of Connecticut and Its Naturopathy: Deception, Fraud, Double-Dealing, Subterfuge, and Trickery". In this episode, I delve into a very interesting and new 2017 State of Connecticut document published by their DPH, wherein Connecticut allied healthcare warns that naturopathy is not scientific and not committed to evidence.

Rob Pue performs live in Toronto, Canada.

The founder of the international Transition Towns movement asks why true creative, positive thinking is in decline, asserts that it's more important now than ever, and suggests ways our communities can revive and reclaim it.

In the sequel to The Emerald Stones, Charlotte finds herself knee-deep in trouble. She's not the smooth-talking liar that Henry was and is up against Queen Bayla's daughter, Beth, whose wickedness knows no end. Queen Beth's made a deal with an evil, vile witch, and together, they rule over the kingdom's subjects with an iron fist. Charlotte will have to rely on her cool-headed wits in order to save herself, her friends, and the kingdom from Queen Beth's tyranny and return the provincial stones.

Against all odds, Aydin Torkal - aka Sleeper 13 - broke free from the terrorist group that took him as a child and raised him into a life of violence and hate. In the two years since, he's been tracking and killing all those responsible. But he's not done yet. Now living a secret life in London, he receives a surprise visit from Rachel Cox of MI6. She needs his help to infiltrate a sinister new terrorist cell who've taken root in the USA. Aydin is initially reluctant.

An invitation to help solve a 20-year-old robbery is extended to Detective Al Harris. But the case quickly takes on a mythical quality when the stolen money is recovered by a couple of boys who followed a map to the spot where it was buried. Only half of the money remains, so where is the rest? Detective Harris takes the case thinking that a robbery with no deaths might be a pleasant break. However, as the detective delves deeper, he realizes that just because no one was killed, it doesn’t mean that no one was affected.

Thousands of hikers traverse the Appalachian Trail. For most, it's an enjoyable experience. A chance to reconnect with nature, meet interesting people, and get a great workout. For some, it can be a nightmare. Multiple women have been raped, ravaged, and terrorized, along a 40-mile stretch, in the Great Smoky Mountains in Tennessee. Authorities are stumped. Even as they struggle to find the perpetrator, he strikes again.

The narrator of Rob Doyle's Threshold has spent the last two decades traveling, writing, and imbibing drugs and literature in equal measure, funded by brief periods of employment or "on the dole" in Dublin. Now, stranded between reckless youth and middle age, his travels to far-flung places have acquired a de facto purpose: to aid the contemporary artist's search for universal truth.

Did you ever wish there was more to your Christian life? Too often the Christian life is reduced to going to church, attending meetings, serving God, and doing devotions. But Jesus promised us abundant life - a deep, intimate, satisfying connection with the living God. How do we access the abundant life that Jesus promised? The key is the presence and life of the holy spirit within us. Jesus said that the spirit of God flows within us like a river - he is the river of life. But we need to dwell in the river in order to access the spirit’s fullness.

Maybe you are new to property or maybe you are already an experienced investor? Don’t worry, this book has something for you! Buy-to-Let: How to Get Started shows you what you need to do in order to start investing in the buy-to-let market. This book covers everything from picking an investment area and the 20-step buying process, all the way through to finding the right lettings agent to manage your property.

This isn't the first time Lucas Fergus has woken up next to the bins outside a bar, but it is the first time he's done so with no memory of the days before. Something bad has happened, but he has no idea what. And things keep getting worse. With a sudden and unexpected change coming over him, Lucas finds himself trapped inside an old english pub with a group of people he doesn't much like. But messing with Lucas is a bad idea, for there is more to him than meets the eye. Soon there will be Hell to pay.