Frank Riedel

Over the years working with clients from many different backgrounds has ultimately led me to write this book. Too often people end up placing their financial future in someone else's hands by simply finding an advisor who looks good in a suit and talks "the language," versus taking time to research strategies, concepts and options that may fit themselves better overall without risking the very thing that they are trying to grow and protect. As you read this book, I encourage you to continue to learn and ask a lot of questions. The strategies outlined in this book such as The Banking Policy Strategy have personally changed my life and the lives of countless clients of mine. Likewise, the idea of Guaranteed Lifetime Income is so critical especially as you age. Having the peace of mind that Guaranteed Lifetime Income brings is something that cannot be measured. This book is intended to offer up ideas and concepts and to stimulate thought and reflection. We will discuss proven wealth accumulation and wealth preservation strategies that are commonly misrepresented or misunderstood by many people as well as many financial professionals.

Creating Financial Security Without Unnecessary Risk, Fees Or Exposure

What Keeps You Awake At Night

Thomas Wilke

Risto Väinolä

Ancient lakes are exceptional freshwater environments that have continued to exist for hundreds of thousands of years. They have long been recognized as centres of biodiversity and hotspots of evolution. During recent decades, speciation in ancient lakes has emerged as an important and exciting topic in evolutionary biology. The contributions in this volume deal with patterns and processes of biological diversification in three prominent ancient lake systems. Of these, the famous East African Great Lakes already have a strong tradition of evolutionary studies, but the two other systems have so far received much less attention. The exceptional biodiversity of the European sister lakes Ohrid and Prespa of the Balkans has long been known, but has largely been neglected in the international literature until recently. The rich biota and problems of its evolution in the two central lake systems on the Indonesian island of Sulawesi, in turn, have only lately started to draw scientific attention. This volume aims at deepening the awareness of the unusual biological diversity in ancient lakes in general, and of the role of these lakes as natural laboratories for the study of speciation and diversification in particular. It should stimulate further research that will lead to a better understanding of key evolutionary processes in these lakes, and to knowledge that might help in mitigating the deterioration of their diversity in the future.

Frank Riedel

Books

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