Among the ashes of a dying world, an agent of the Commandant finds a letter. It reads: Burn before reading. Thus begins an unlikely correspondence between two rival agents hellbent on securing the best possible future for their warring factions. Now, what began as a taunt, a battlefield boast, grows into something more. Something epic. Something romantic. Something that could change the past and the future. Except the discovery of their bond would mean death for each of them. There's still a war going on, after all. And someone has to win that war.

Follow the river Liss to the small town of Thistleford, on the edge of Faerie, and meet two sisters who cannot be separated, even in death. “Oh what is stronger than a death? Two sisters singing with one breath.” In the small town of Thistleford, on the edge of Faerie, dwells the mysterious Hawthorn family. There, they tend and harvest the enchanted willows and honour an ancient compact to sing to them in thanks for their magic. None more devotedly than the family’s latest daughters, Esther and Ysabel, who cherish each other as much as they cherish the ancient trees. But when Esther rejects a forceful suitor in favor of a lover from the land of Faerie, not only the sisters’ bond but also their lives will be at risk…

“In the dark, bewildering, trap-infested jungle of misinformation and opaque riddles that is the world of investment, JL Collins is the fatherly wizard on the side of the path, offering a simple map, warm words of encouragement and the tools to forge your way through with confidence. You'll never find a wiser advisor with a bigger heart.” -- Malachi Rempen: Filmmaker, cartoonist, author and self-described ruffian This book grew out of a series of letters to my daughter concerning various things—mostly about money and investing—she was not yet quite ready to hear. Since money is the single most powerful tool we have for navigating this complex world we’ve created, understanding it is critical. “But Dad,” she once said, “I know money is important. I just don’t want to spend my life thinking about it.” This was eye-opening. I love this stuff. But most people have better things to do with their precious time. Bridges to build, diseases to cure, treaties to negotiate, mountains to climb, technologies to create, children to teach, businesses to run. Unfortunately, benign neglect of things financial leaves you open to the charlatans of the financial world. The people who make investing endlessly complex, because if it can be made complex it becomes more profitable for them, more expensive for us, and we are forced into their waiting arms. Here’s an important truth: Complex investments exist only to profit those who create and sell them. Not only are they more costly to the investor, they are less effective. The simple approach I created for her and present now to you, is not only easy to understand and implement, it is more powerful than any other. Together we’ll explore: Debt: Why you must avoid it and what to do if you have it. The importance of having F-you Money. How to think about money, and the unique way understanding this is key to building your wealth. Where traditional investing advice goes wrong and what actually works. What the stock market really is and how it really works. Why the stock market always goes up and why most people still lose money investing in it. How to invest in a raging bull, or bear, market. Specific investments to implement these strategies. The Wealth Building and Wealth Preservation phases of your investing life and why they are not always tied to your age. How your asset allocation is tied to those phases and how to choose it. How to simplify the sometimes confusing world of 401(k), 403(b), TSP, IRA and Roth accounts. TRFs (Target Retirement Funds), HSAs (Health Savings Accounts) and RMDs (Required Minimum Distributions). What investment firm to use and why the one I recommend is so far superior to the competition. Why you should be very cautious when engaging an investment advisor and whether you need to at all. Why and how you can be conned, and how to avoid becoming prey. Why I don’t recommend dollar cost averaging. What financial independence looks like and how to have your money support you. What the 4% rule is and how to use it to safely spend your wealth. The truth behind Social Security.

Among the ashes of a dying world, an agent of the Commandant finds a letter. It reads: Burn before reading. Thus begins an unlikely correspondence between two rival agents hellbent on securing the best possible future for their warring factions. Now, what began as a taunt, a battlefield boast, grows into something more. Something epic. Something romantic. Something that could change the past and the future. Except the discovery of their bond would mean death for each of them. There's still a war going on, after all. And someone has to win that war.

Two graduate students must set aside their rivalry and journey to Hell to save their professor’s soul, perhaps at the cost of their own. Alice Law has only ever had one goal: to become one of the brightest minds in the field of Magick. She has sacrificed everything to make that a reality—her pride, her health, her love life, and most definitely her sanity. All to work with Professor Jacob Grimes at Cambridge, the greatest magician in the world—that is, until he dies in a magical accident that could possibly be her fault. Grimes is now in Hell, and she’s going in after him. Because his recommendation could hold her very future in his now incorporeal hands, and even death is not going to stop the pursuit of her dreams. Nor will the fact that her rival, Peter Murdoch, has come to the same conclusion.

Once upon a time, Andrew had cut out his heart and given it to this boy, and he was very sure Thomas had no idea that Andrew would do anything for him. Protect him. Lie for him. Kill for him. High school senior Andrew Perrault finds refuge in the twisted fairytales that he writes for the only person who can ground him to reality—Thomas Rye, the boy with perpetually ink-stained hands and hair like autumn leaves. And with his twin sister, Dove, inexplicably keeping him at a cold distance upon their return to Wickwood Academy, Andrew finds himself leaning on his friend even more. But something strange is going on with Thomas. His abusive parents have mysteriously vanished, and he arrives at school with blood on his sleeve. Thomas won’t say a word about it, and shuts down whenever Andrew tries to ask him questions. Stranger still, Thomas is haunted by something, and he seems to have lost interest in his artwork—whimsically macabre sketches of the monsters from Andrew’s wicked stories. Desperate to figure out what’s wrong with his friend, Andrew follows Thomas into the off-limits forest one night and catches him fighting a nightmarish monster—Thomas’s drawings have come to life and are killing anyone close to him. To make sure no one else dies, the boys battle the monsters every night. But as their obsession with each other grows stronger, so do the monsters, and Andrew begins to fear that the only way to stop the creatures might be to destroy their creator…

Mors vincit omnia. Death conquers all. London, 1883. The Veil between the living and dead has thinned. Violet-eyed mediums commune with spirits under the watchful eye of the Royal Speaker Society, and sixteen-year-old Silas Bell would rather rip out his violet eyes than become an obedient Speaker wife. According to Mother, he’ll be married by the end of the year. It doesn’t matter that he’s needed a decade of tutors to hide his autism; that he practices surgery on slaughtered pigs; that he is a boy, not the girl the world insists on seeing. After a failed attempt to escape an arranged marriage, Silas is diagnosed with Veil sickness—a mysterious disease sending violet-eyed women into madness—and shipped away to Braxton’s Sanitorium and Finishing School. The facility is cold, the instructors merciless, and the students either bloom into eligible wives or disappear. So when the ghosts of missing students start begging Silas for help, he decides to reach into Braxton’s innards and expose its rotten guts to the world—as long as the school doesn’t break him first.