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Rating: 4.50 / 5
30 reviews

Life Annuities: An Optimal Product for Retirement Income

by Moshe A. Milevsky

This book provides a summary of research on life annuities, longevity insurance, and their role in the optimal retirement portfolio. It starts with an overview of institutional aspects, moves on to discuss valuation issues, and concludes with a comprehensive review of the scholarly literature.

Genre: Business & Finance, Finance, Nonfiction
Size: 154 pages
Free eBook download for Kindle from 20 January 2019 onward  

Rating: 4.70 / 5
4 reviews

The Darkest Star Sneak Peek: Chapters 1-3

by Jennifer L. Armentrout

Download a FREE sneak peek of The Darkest Star!In the world of the Lux, secrets thrive, lies shatter, and love is undeniable.#1 New York Times, USA Today, and internationally bestselling author Jennifer L. Armentrout brings her trademark drama and intrigue to this new series with a girl caught up in a world she doesn't understand, secrets long buried, a betrayal that could tear her life apart...and Armentrout's most swoonworthy book boyfriend yet.Seventeen-year-old Evie Dasher knows firsthand the devastating consequences of humanity's war with the aliens. When she's caught up in a raid at a notorious club known as one of the few places where humans and the surviving Luxen can mingle freely, she meets Luc, an unnaturally beautiful guy she initially assumes is a Luxen...but he is in fact som...

Genre: Teen & Young Adult, Romance, Science Fiction & Fantasy
Size: 41 pages
Free eBook download for Kindle from 20 January 2019 onward  

Rating: 4.30 / 5
6 reviews

Magic in the Desert: Three Paranormal Romance Series Starters Set in the American Southwest

by Christine Pope

Three complete first-in-series paranormal romance novels:


Finding the man of your dreams can be a real nightmare….

As the future prima, or head witch of her clan, Angela McAllister is expected to bond with her consort during her twenty-first year, thus ensuring that she will come into her full powers at the appointed time. The clock is ticking down, and her consort has yet to make an appearance. Instead, her dreams are haunted by a man she’s never seen, the one she believes must be her intended match.

But with time running out, and dark forces attempting to seize her powers for their own, Angela is faced with a terrible choice: give up her dreams of the man she may never meet and take the safer path, or risk leaving her clan...

Genre: Science Fiction & Fantasy, Fantasy, Fiction, Romance, Urban, Paranormal
Size: 738 pages
Free eBook download for Kindle from 20 January 2019 onward  

Rating: 4.40 / 5
3 reviews

Impersonator (Forager Impersonator - A Post Apocalyptic/Dystopian Trilogy Book 1)

by Peter R Stone

A century after a global nuclear war, eighteen-year-old Chelsea Thomas has spent her life living in fear of Newhome’s paramilitary Custodians, due to a prohibited rogue ability.In the past week, her twin brother – a forager – has uncharacteristically run away from home and work after the mysterious death of a teammate. Something has also scared her normally unflappable father half to death, and, their family is threatened with eviction.But her brother’s disappearance presents her with a long-sought after opportunity to escape Newhome, since only the foragers – all men – are allowed to leave the town. All she has to do is impersonate her brother long enough to make her escape while foraging out in the ruins.But she never counted on the kindness of Ryan Hill, a forager new to the...

Genre: Fiction, Science Fiction & Fantasy, Science Fiction, Dystopian, Post-Apocalyptic, Teen & Young Adult
Size: 396 pages
Free eBook download for Kindle from 20 January 2019 onward  

Rating: 5.00 / 5
1 review

FinTech and RegTech in a Nutshell, and the Future in a Sandbox (Research Foundation Briefs)

by Douglas W. Arner and Jànos Barberis

The 2008 global financial crisis represented a pivotal moment that separated prior phases of the development of financial technology (FinTech) and regulatory technology (RegTech) from the current paradigm. Today, FinTech has entered a phase of rapid development marked by the proliferation of startups and other new entrants, such as IT and ecommerce firms that have fragmented the financial services market. This new era presents fresh challenges for regulators and highlights why the evolution of FinTech necessitates a parallel development of RegTech. In particular, regulators must develop a robust new framework that promotes innovation and market confidence, aided by the use of regulatory "sandboxes." Certain RegTech developments today are highlighting the path toward another paradigm shift,...

Genre: Business & Finance, Finance, Nonfiction
Size: 44 pages
Free eBook download for Kindle from 20 January 2019 onward  

Rating: 4.00 / 5
1 review

43 Seconds: A Hayden's World Hard Science Fiction Short Story (Hayden's World Origins Book 1)

by S.D. Falchetti

Twelve minutes to Mars.

James Hayden had a dream, and the Riggs test vehicle was going to take him there. But when failure after failure leads to his last chance exploding spectacularly, he must partner with an AI and gamble everything for one last shot at the stars.

43 Seconds is a science fiction short story set in the Hayden's World universe. The story can be read in twenty minutes and is the perfect size for reading on the go....

Genre: Fiction, Action & Adventure, Short Stories, Science Fiction & Fantasy, Science Fiction, Adventure, Anthologies & Short Stories, Hard Science Fiction, Military, Space Exploration
Size: 26 pages
Free eBook download for Kindle from 20 January 2019 onward  

Rating: 3.60 / 5
33 reviews

The Cowboys Heart (A Sexy Country Romance)

by Helen Evans

Heather is a recently divorced single mother trying to find her place in the world. Since the divorce, her son has acted out and she is at a loss at what to do. As Heather adjust to the new normal, an unexpected tragedy leaves her in control of a massive ranch. Initially hesitant about the move to the country, Heather decides to make the leap. She quickly gets in over her head at the ranch, until a strapping cowboy comes to the rescue. She tries to ignore her budding feelings for the handsome man, but decides to let go and live in the moment. Follow Heather's journey as she struggles to make life on the ranch work and also open her heart to loving fully again.

*This book is part of a 3 book continuing series.

Genre: Fiction, Romance, Military, Westerns
Size: 96 pages
Free eBook download for Kindle from 20 January 2019 onward  

Rating: 3.30 / 5
7 reviews


by David Lester


Genre: Professional & Technical, Medicine, Nonfiction, Self-Help & Counselling, Psychology, Science & Maths
Size: 169 pages
Free eBook download for Kindle from 20 January 2019 onward  

Rating: 2.50 / 5
2 reviews

Fatal Alien Affection: Can one man find love in a savage world? (Rebirth of the Prophesy Book 1)

by Natasha House

There will be one. One who rises above them all. A man of valor and great strength who will free us from the fall…

Ever since Jonathan was a child, the prophesy has haunted him. He longs to find the one who will free the human race. When aliens rain death—destruction—and fear upon his village, he is forced into a life of slavery.

Zahara’s entire world shatters when her village is raided, and she is sold to an alien mistress. Beyond hope, she finds love with the handsome, red-haired, determined Jonathan.
When peril arises, the two must flee, but where will they go in a city full of aliens? Will they escape? Will they unlock the mysteries of the ancient prophesy?

Genre: Fiction, Romance, Science Fiction & Fantasy, Science Fiction, Dystopian, First Contact, Post-Apocalyptic, Teen & Young Adult, Paranormal
Size: 137 pages
Free eBook download for Kindle from 20 January 2019 onward  

Computational Approaches to the Study of Movement in Archaeology: Theory, Practice and Interpretation of Factors and Effects of Long Term Landscape Formation ... – Berliner Studien der Alten Wel

by Silvia Polla and Philip Verhagen

The archaeological study of movement and of its related patterns and features has been transformed by the use of GIS. Path analysis has become a very popular approach to the study of settlement and land-use dynamics in landscape archaeology. This volume addresses theoretical, technical and interpretative issuesand presents case studies. A final synthetic paper aims to review the contents and to set the pace for the current methodological debate....

Genre: History, Ancient, Historical Study, Nonfiction, Politics & Social Sciences, Social Sciences
Size: 137 pages
Free eBook download for Kindle from 20 January 2019 onward  

Monumental Polovtsian Statues in Eastern Europe: the Archaeology, Conservation and Protection

by Aneta Golebiowska-Tobiasz

The book presents a case study of analysis and conservation of the collection of Cuman sculpture of the Veliko-Anadol Forest Museum. The author provides an insight into the phenomenon of anthropomorphic sculptures, pertaining to the recent wave of Turkic nomads, from the perspective of archaeology and culture heritage conservation....

Genre: History, Ancient, Europe, Russia, Nonfiction, Politics & Social Sciences, Social Sciences
Size: 196 pages
Free eBook download for Kindle from 20 January 2019 onward  

The Azrian Anthology: Volume #1

by James Speyer

Enter the world of Azra with The Azrian Anthology: Volume #1. Explore the depths of sacred forests, witness horrors of both monsters and man, and follow uncertain and unhinged figures as they navigate the tough Azrian landscape. The Azrian Anthology: Volume #1 features examples of both high and low fantasy, perfect for all fans of the genre. Looking for tales of magic and mythical creatures? There is something here for you. Prefer a story wrapped in character detail and internal struggle? Then you're in luck!...

Genre: Science Fiction & Fantasy, Fantasy, Anthologies & Short Stories, Contemporary, Fiction
Size: 121 pages
Free eBook download for Kindle from 20 January 2019 onward  

Rating: 4.20 / 5
652 reviews

Craving (Steel Brothers Saga Book 1)

by Helen Hardt


Genre: Fiction, Romance, Contemporary
Size: 288 pages
Free eBook download for Kindle from 20 January 2019 onward  

Rating: 4.60 / 5
247 reviews

Ellie Jordan, Ghost Trapper

by JL Bryan

Ellie Jordan’s job is to catch and remove unwanted ghosts. Part detective, part paranormal exterminator, Ellie operates out of Savannah, Georgia, the most haunted city in the United States.

When a family contacts her to deal with a disturbing presence in the old mansion they’ve recently purchased, Ellie first believes it to be a typical, by-the-book specter, a residual haunting by a restless spirit. Instead, she finds herself confronting an evil older and more powerful than she’d ever expected, rooted in the house’s long and sordid history of luxury, sin, and murder. The dangerous entity seems particularly interested in her clients’ ten-year-old daughter.

Soon her own life is in danger, and Ellie must find a way to exorcise the darkness of the house b...

Genre: Crime, Thriller & Mystery, Suspense, Science Fiction & Fantasy, Fantasy, Fiction, Horror, Low Fantasy, Metaphysical & Visionary, Superhero, Urban
Size: 220 pages
Free eBook download for Kindle from 20 January 2019 onward  

Rating: 4.10 / 5
538 reviews

The Girl In Between: The Girl In Between Series Book 1

by Laekan Zea Kemp

Bryn Reyes is a real life sleeping beauty. Afflicted with Klein-Levin Syndrome, she suffers episodes of prolonged sleep that steal weeks, and sometimes even months, from her life. But unlike most KLS patients, she doesn’t spend each episode in a catatonic state or wake up with no recollection of the time she’s missed. Instead, Bryn spends half her life in an alternate reality made up of her memories. For Bryn, the past is a place, until one day a boy she’s never met before washes up on the illusory beach of her dreams with no memory of who he is.

But the appearance of this strange boy isn’t the only thing that’s changed. Bryn’s symptoms are worsening, her body weakening as she’s plagued by hallucinations even while awake. Her only hope of finding a cure is to und...

Genre: Science Fiction & Fantasy, Fantasy, Fiction, Romance, Coming of Age, Superhero, Urban, Teen & Young Adult, Paranormal
Size: 289 pages
Free eBook download for Kindle from 20 January 2019 onward  

Rating: 4.30 / 5
165 reviews

Marked (Soul Guardians Book 1)

by Kim Richardson


This is a really clever idea for a book, with a whimsical enchanting world and creative fun of Harry Potter.
--Teen Book Reviews

Sixteen-year-old Kara Nightingale is unpopular, awkward and positively ordinarythat is until one day she is struck by a bus and dies...

Within moments her life changes from ordinary to extraordinary as she wakes up in a mysterious world with a new careeras a rookie for the Guardian Angel Legion. Kara is pulled into the supernatural where monkeys drive the elevators, oracles scurry above giant crystal balls and where demons feed on the souls of mortals. When an Elemental child is kidnapped, Kara is sent on a danger-filled quest and plunges into a situation more dangerous and deadly than any...

Genre: Science Fiction & Fantasy, Fantasy, Contemporary, Fiction, Action & Adventure, Coming of Age, Metaphysical & Visionary, Superhero, Teen & Young Adult, Horror, Literature & Fiction, Mysteries & Thrillers, Romance
Size: 290 pages
Free eBook download for Kindle from 20 January 2019 onward  

Rating: 4.30 / 5
57 reviews

The Blow-In (The Tipperary Series Book 1)

by Susanne O'Leary

Romance can lurk where you least expect it. Even in the depths of the Irish countryside.Political reporter Finola McGee is not the romantic type. She leads with her chin, shoots from the hip and takes no prisoners. When living on the edge loses its appeal, she escapes Dublin to run the local newspaper in a small Tipperary town. An easy job, friendly neighbours, lovely countryside, and fresh air—what’s not to like? But the rural bliss doesn’t last longer than a weekend. Finola soon finds herself mixed up in a hornet’s nest of conspiracies. And when Hollywood rides into town, a certain heartthrob adds a further twist to an already complicated romance…This is the first book in a three-part series. But every book will be a stand-alone and enjoyable on its own....

Genre: Fiction, Romance, Contemporary, Romantic Comedy
Size: 242 pages
Free eBook download for Kindle from 20 January 2019 onward  

Rating: 4.20 / 5
72 reviews

Secrets on the Sand (The Barefoot Bay Series Book 1)

by Roxanne St. Claire

The launch of a brand new trilogy from New York Times and USA Today bestselling author Roxanne St. Claire set on the sun-washed beaches of Barefoot Bay!

“Lively, light, pure entertainment! This Cinderella story is “Pretty Woman” on the beach!”
- Carly Phillips, New York Times bestselling author

Zeke Nicholas has turned his mathematical genius skills into a mountain of money. But Zeke sits on that mountain all alone, longing for the one thing money cannot buy: a lifelong partner and true love. Enter Mandy Mitchell...the maid at his thousand-dollar-a-night resort.

The minute they meet, Mandy knows he’s exactly the kind of trouble she should avoid...but Zeke does have one thing Mandy needs to gain the independence she craves. W...

Genre: Fiction, Romance, Contemporary
Size: 128 pages
Free eBook download for Kindle from 20 January 2019 onward  

Rating: 4.80 / 5
23 reviews

Montana Rose

by DeAnn Smallwood

Rose is a rancher at heart. There’s no doubt in her mind that if given another chance, she can make a success of homesteading. She will not fail this time. People scoff, saying ranching is too much of a job for a lone woman to undertake. But Rose is no ordinary woman. She may be petite, stylish, and beautiful, but she is also strong and driven. Every aspect of ranching brings joy to her heart. Then why is she here in Wise River, Montana, taking orders from a mean-spirited school board and attempting something she has no clue how to do? Teaching? Jesse Rivers carries his own baggage on his wide shoulders. He’s been called home by a dying stepmother to take over the Rocking R Ranch and the care of a belligerent and wounded brother. A rugged, lanky cowboy, Jesse is also demanding, surly, ...

Genre: Romance
Size: 194 pages
Free eBook download for Kindle from 20 January 2019 onward  

Rating: 4.60 / 5
29 reviews

Ballbuster (A Playing Dirty Sports Romance Book 1)

by Lane Hart

~ Kohen Hendricks ~Out of all the football stadiums in the world, why did Roxanne “The Ballbuster” Benson have to plow through mine? Don’t get me wrong. I’m all for women playing professional football. But what I’m not for is The Ballbuster waltzing onto my field, trying to take over my position as the Wildcats’ starting kicker. The woman dislocated my knee with her freaking Jeep, for chrissake, and yet all of my teammates love her! So what if Roxy’s…gorgeous and sweet and loves football more than anyone in the world? This is my team; and once I recover, she’s gonna have to get used to sitting her fine ass on the bench. It’s nothing personal. Football is a dirty sport where only the best survive. Now I just have to figure out how to survive a season without ending up w...

Genre: Fiction, Sports, Romance, Romantic Comedy
Size: 225 pages
Free eBook download for Kindle from 20 January 2019 onward  

Rating: 4.50 / 5
33 reviews

When I Die I'm Going to Heaven 'Cause I've Spent My Time in Hell: A Memoir of My Year As an Army Nurse in Vietnam

by Barbara Kautz

When she was 18, she joined the Army to finance her nursing education. With less than six months of nursing experience, she was assigned to the 24th Evacuation Hospital in South Vietnam. True tales of the war that are by turns horrifying and humorous, told with an eye for detail, by a woman who was in the thick of it....

Genre: History, Military
Size: Unknown
Free eBook download for Kindle from 20 January 2019 onward  

Rating: 4.90 / 5
19 reviews

Improve Your Social Skills: 12 Rules for The Most Effective Communication Skills and to Build Genuine Relationships in Your Life with Emotional Intelligence for Feeling Good

by Charles Covey and Dale Manson

Buy the Paperback Version of this Book and get the Kindle Book version for FREEWhat is the secret to success? Is it the brilliant ideas? How about the hard work, sweat, and tears? Is it your passion, commitment, and dedication? Is it the way you excel socially? Or is there something more that contributes to a person’s success than meets the eye?Social skills have a large part to play when it comes to the success of an individual, and that’s because we live in a social world and we depend on each other and help each other. Success has never been achieved alone without other people helping to you in the areas where you need it the most, which is why it is the relationships that you make and the connections you form that make a real difference between success and failure.Improving Your So...

Genre: Nonfiction
Size: 64 pages
Free eBook download for Kindle from 20 January 2019 onward  

Rating: 5.00 / 5
17 reviews

The Ruler (Men of the North Book 2)

by Elin Peer and Book Cover by Design

Four hundred years in the future, women control the world but Khan Aurelius, ruler of the last free men, is determined to take back the power that has been denied men for centuries. Outnumbered by far, he knows that women need to give up their power willingly and with one of their councilwomen as a hostage, he’s certain he can influence her with his superior male intellect. She is just a soft woman, after all. Councilwoman Pearl has sacrificed herself to save an innocent priestess. Trapped in the Northlands, her soft voice and sugar-coated view of the world doesn’t impress Khan, who constantly challenges her by playing his mind games to corrupt her and see things his way. It’s a battle of words and wills when the two intelligent rulers clash. Will Pearl succeed in bringing enlighten...

Genre: Science Fiction & Fantasy, Dystopian
Size: 347 pages
Free eBook download for Kindle from 20 January 2019 onward  

Rating: 4.40 / 5
29 reviews

The Gilded King: Gripping new YA Fantasy set in post-apocalyptic Europe (Sovereign Book 1)

by Josie Jaffrey


Genre: Fiction, Romance, Teen & Young Adult, Paranormal, Horror, Science Fiction & Fantasy
Size: 293 pages
Free eBook download for Kindle from 20 January 2019 onward  

Rating: 4.70 / 5
18 reviews

Blackwater: Vol. One: (Book 1 in the Blackwater Trilogy)

by T.W.M. Ashford

How far would you go for the truth?Hunter will kill for it. His daughter was abducted three years ago, and now he'll stop at nothing to find out what happened to her. Of course, in a city as sick and sordid as Blackwater, that can mean walking down some dark and peculiar roads...At his wit's end, an elusive Thin Man offers him answers in exchange for taking on a simple security job. How could it go wrong? Framed for murder and on the run, Hunter has more than just shady mobsters to contend with. Something old and eldritch lurks beneath the streets, waiting to be reborn...Remember: If you go about digging into the dirt of Blackwater, sooner or later you're going to unearth something best left buried....

Genre: Crime, Thriller & Mystery, Thrillers, Suspense, Science Fiction & Fantasy, Fantasy, Fiction, Horror, Low Fantasy
Size: 301 pages
Free eBook download for Kindle from 20 January 2019 onward  

Rating: 4.60 / 5
17 reviews

Branded: The first book in The Branded Trilogy

by K.L. Hawker

Seventeen-year-old Jake Rovert has never known the feeling of a broken bone or a lasting scar—he’s a healer, one of very few in the world with this rare gift.

Joining an elite group of Gifted Ones from his high school, Jake is quickly propelled into a life of secrets and training to enhance his gift. He becomes the healer they have been waiting for.

They didn’t expect him to fall in love.
He didn’t expect to be forbidden to be with her.
And no one expected him to risk it all to get her back....

Genre: Science Fiction & Fantasy, Fantasy, Contemporary, Fiction, Religious Fiction, Romance, Christian Fantasy, Metaphysical & Visionary, Teen & Young Adult, New Adult
Size: 330 pages
Free eBook download for Kindle from 20 January 2019 onward  

Rating: 4.70 / 5
13 reviews

Captured by the Vampire: A Paranormal Romance (Vampire Enforcement Agency Book 0)

by Kellie McAllen

When Zoe reveals proof of vampires to the world, has she sentenced the one she loves to death? After years of being alone, Rowan is ready to end his immortal life. Weak from starvation and overcome by bloodlust, he attacks someone in public and is captured by police.When Zoe discovers that the intriguing, new prisoner brought to the jail where she works is a dangerous vampire, she can’t resist revealing the evidence to the world. But as she gets to know him, she realizes he’s not the monster everyone thinks he is.Rowan’s life finally has meaning again as more vampires come forward and he learns he’s not as alone as he thought. But his chances of release disappear when the world explodes at the discovery of vampires, and he knows he’ll die in prison.There’s only one way Zoe c...

Genre: Science Fiction & Fantasy, Fantasy, Fiction, Romance, Urban, Paranormal
Size: 124 pages
Free eBook download for Kindle from 20 January 2019 onward  

Rating: 4.50 / 5
17 reviews

Watching Elijah Fall (Short North Book 1)

by Amy Spector

A simple story about moving past the terrible things that life throws at you and finding happiness on the other side.

Months after his breakup with a long-term boyfriend, Jacob Pierce is still more than a little fragile, he has withdrawn from life, his friends are concerned and even he knows that something needs to change. With the encouragement of his friends and a nudge from the newest member of Jacob's small circle, he agrees to sign up for a film based photography class.

Elijah Fall, a widowed photography teacher, is exactly the man to bring Jacob back to life. But, while Jacob may have found the man of his dreams, will Elijah, someone who has lost everything once, be willing to risk his heart again?...

Genre: Fiction, Gay & Lesbian, Short Stories, Romance, Contemporary, Gay Romance
Size: 67 pages
Free eBook download for Kindle from 20 January 2019 onward  

Rating: 4.20 / 5
34 reviews

The Obsidian Cube (Book 1): An Unknown Past (An Unofficial Minecraft Book)

by Mark Mulle

GENRE: Children’s Adventure

An Unofficial Minecraft Book for Kids Ages 9 - 12

Steve woke up in a dark forest knowing nothing about himself, except his name, in a place he doesn't recognize, completely alone, and with nothing in his inventory. He was lost…no, more than lost. If he was lost, it means he has a destination and don’t know the way there. He not only had no destination; he didn't even know if there was a destination.

As he struggles in the harsh environment that he is in and battles the terrifying mobs, a beautiful stranger named Alex helps him survives. But just like Steve, she came into this forsaken place with no memories of her past.

Why did they spawn into this place? What would fate have for them here?


Genre: Children's eBooks, Computers & Internet, Literature & Fiction, Action & Adventure, Fairy Tales, Folk Tales & Myths, Mysteries & Detectives
Size: 37 pages
Free eBook download for Kindle from 20 January 2019 onward  

Rating: 4.90 / 5
10 reviews

The Legend of Decimus Croome: A Halloween Carol

by Kevin Purdy


Genre: Children's eBooks, Fiction, Holidays & Celebrations
Size: 215 pages
Free eBook download for Kindle from 20 January 2019 onward  

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