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How much do you pay in Flood Insurance?The average homeowner can pay over $100 a month. Which of course is $1200 a year. On a thirty-year loan, that equates to $36,000. That’s a lot of money!Wouldn’t it be great if you could get your Flood Insurance rate reduced?Better yet, what if you didn’t have to pay for ANY Flood Insurance?In his book, Flood Money, author Brad Hubbard shares how he has saved residential clients hundreds of thousands of dollars by legally getting them out of a flood zone. He has saved his commercial clients an excess of a million dollars! Now, he is showing the world exactly how he does it.This book is a step-by-step guide to fighting FEMA and other federal and state organizations by equipping you with the tools and knowledge needed to find out your true Flood Zone.The banks have told us that we need to pay flood insurance. The problem is that for many people, that decision was made decades ago using rudimentary tools and practices. Brad brings his Engineering background into play and, using modern methods and good old-fashioned common sense, can show you how to find out if you’re paying tens of thousands of dollars that you don’t have to.After reading this book and following these steps, a good question for you might be, “What are you going to spend your money on now that you don’t have to pay for Flood Insurance?”

Everything changes. People evolve.However, the real estate industry still operates pretty much the same way it has for decades, even centuries. Agents assist in buying and selling a property. But are you fully equipped to serve today’s consumer?In “Move with Me,” James Ramos explains how he ushered in a new way of thinking that’s revolutionizing the way agents operate in the Tampa Bay, Florida area.“Today’s broker needs to better equip their agents with more services and support if they are to be successful in the near future.” — James RamosThis is the playbook that every agent, broker, and person interested in a career in real estate needs to read. It is jam-packed with relatable and actionable advice that has helped many of his agents double their income.See the real estate industry through the eyes of someone with eighteen years of experience of marketing and sales in the consumer product goods industry as well as being a Florida Licensed General Contractor.Ramos serves his agents by providing:A state of the art showroomA marketing and branding companyA construction companyProfessional and personal coachingProperty ManagementA coffee shopAnd moreLife is too short to not play big, to not swing for the fences. “Move with Me,” will shift your mindset and point the way to generational wealth.The future of real estate is already here. What are you going to do about it?

Not everyone is fortunate to live out a fairy tale love story, very few people, actually. Frederica, was one of the fortunate few…until her life was shattered in so many pieces she thought she would never be able to put it back together again.A Dream Interrupted, based on True Events, is set in a time when the world was a little more innocent, a little more trusting.An outgoing golden haired beauty found her prince charming and they began to live a life of love, laughter, travel, and merriment. They created a small family and all was well… until they brought someone into their inner circle. This man would attempt to ruin their happy lives, bringing with him malice and deceit.Yet, love is love…it has many different faces…. and it endures even the evilest of men. The story of Fredrica “Ricki” Nixon-Strusa is one you’ll be happy to know. And one you’ll not soon forget.

"Saleena Sanchez is a teenage witch who doesn't know any spells. She doesn’t like adventures either, so imagine her terror when she is kidnapped from the home of her protector, Michael Mason, by two evil Masters. The horsemen haul her off in a prison wagon, along with a handful of boys, to a desert mine manned by other abducted orphans. The cavalry of overlords, meanwhile, are desperate to locate a totem of theirs that's gone missing - a notorious crown whose dark magic has bound many in slavery throughout time. The feisty Saleena convinces her new mates that, with their help, she will find the crown first - and destroy it!From afar, Michael helps his ward on her quest, using wizards to communicate with her. The young gang manage to escape the hellish mine, fleeing through strange and often whimsical landscapes, the Masters ever hot on their heels. Soon Saleena is tapping into her dormant witch skills and leadership abilities. Michael's capture, however, presents her with an unthinkable dilemma: will she have to return the cursed crown to the evil ones so that her beloved protector's life can be spared?"

Leadership is not just a title, but an essential part of life. Absolutely everyone possesses the innate ability to be a great leader. How will you use your leadership ability? Will you use it to achieve great personal and professional results, or will you not use it at all? It’s a choice we all make either consciously or subconsciously. The key to great leadership is simple! Know yourself well, strive for excellence and encourage others to do the same. Be the role model you’ve always wanted to be for you, your children, and your employees. Now, more than ever, people are seeking leaders they can count on. Today’s generation is eager to enjoy both personal and professional success. They don’t want to sacrifice one for the other. They want good leaders and want to become good leaders. In Break the Cycle, author Mary Trombitas shares not only her breadth of experience, but also how you can cultivate your personal leadership traits. Discover the HUMAN traits, Honest – Unbiased – Motivating – Accountable – Natural, that you can harness to become the type of leader people will be inspired to follow. Be the powerful, engaging, and admired leader you’ve always wanted to be! “This book is for the person who has the tenacity to pursue personal and professional excellence.”Mary Trombitas