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Safe Money in Tough Times: Everything You Need to Know to Survive the Financial Crisis - PDF
Safe Money in Tough Times: Everything You Need to Know to Survive the Financial Crisis - PDF
نویسندگان: Jonathan Pond خلاصه: The “perfect storm” of global economic disaster is now hitting every area of personal finance. Retirement accounts, retiree nest eggs, home prices, and just about everything else of value are being swept away in the chaos. You can either passively try to wait out the storm or take immediate action to protect yourself, your family, and your future. In Safe Money in Tough Times, Jonathan Pond explains how to stay afloat while the economy sinks. Employing the practical, commonsense knowledge and wisdom that has made him one of America’s most popular personal finance experts, Pond helps you both weather the storm and position yourself to profit when the economy inevitably rebounds. He tackles every area of your financial life that is or will soon be affected by the Great Recession, from investing defensively and selecting the safest investments to strategies for paying insurance and tuition bills when times are tough. You’ll find easy and practical tactics for Managing debt Reducing expenses Coping with unemployment Minimizing complications if your financial institution fails Protecting your retirement savings Making informed decisions about your home and mortgage Improving your credit standing Preparing for fi nancial emergencies Although he acknowledges the gravity of our economic situation, Pond takes you past the pessimism of today’s media commentators and presents the crisis as a means for educating yourself, changing bad habits, and eventually enjoying unexpected profits. With Safe Money in Tough Times you have what you need to bypass the so-called experts and develop your own financial strategy with confidence. Complete with checklists and worksheets, this prescient guide provides everything you need to take control of your investments, beat the recession, and develop an all-weather financial and investment plan that will last a lifetime.
You're on Your Phone (Homophones) - PDF
You're on Your Phone (Homophones) - PDF
نویسندگان: Mary Elizabeth Salzmann خلاصه: Photographs and simple text introduce homophones, words that sound alike but are spelled differently and have different meanings.
Vaccines: What You Should Know, Third Edition - PDF
Vaccines: What You Should Know, Third Edition - PDF
نویسندگان: Paul A. Offit, Louis M. Bell خلاصه: Get the straight facts about vaccines and make informed choices Do you wonder whether vaccines are safe and whether they are all really necessary? This completely revised and updated edition of the classic Vaccines: What You Should Know helps you sort through the latest information about vaccines in order to determine what is right for your family. Coauthored by Paul Offit, a member of the CDC advisory committee that determines which vaccines are recommended for use in the United States, this guide tells you what vaccines are made of and clearly explains how they are made, how they work, and the risks associated with them. This updated edition includes recommendations for the smallpox vaccine, the latest information on vaccines for travelers, and the latest on the progress of combination vaccines. Expanded information on vaccine safety includes discussion of vaccines and autism, mercury in vaccines, and the ability of children to tolerate numerous vaccines at once.
How Can I Forgive You?: The Courage To Forgive, the Freedom Not To - PDF
How Can I Forgive You?: The Courage To Forgive, the Freedom Not To - PDF
نویسندگان: Janis A. Spring خلاصه: The author of After the Affair challenges the belief that forgiveness is the only appropriate response to violation, proposing a self-affirming alternative that enables readers to overcome the destructive effects of hate without forgiveness while outlining a model for true forgiveness that places re
Old Friend, We Made This for You - Original PDF
Old Friend, We Made This for You - Original PDF
نویسندگان: Yannick Marshall, Yemi Agangi خلاصه: This collection of poetry is a plea and a gift from two black youths to Africans of the continent and the Diaspora. We sought to explore the broadest themes and most salient of issues facing Africans. Through these poems and essays we offer our views, ideas, questions, and art first and foremost to our people, our 'Old friends'. "Old Friend, We Made This For You" is our contribution as two, young, black, ready poets to the discourse on Africa and Africa's redemption. Marshall and Aganga met in secondary school in Botswana. Shortly after sharing poems and ideas they began working on a project that reflected a Pan-Afrikan vision from both the African and African Diaspora's perspective. That project evolved into a collection of poems called "Old Friend We Made This For You". Olayemi Aganga born in Nigeria and living most of his life in Botswana has a unique understanding of the issues facing the continent. Living in Sub-Saharan Africa he has witnessed the regions plight with Aids, violence and poverty and has first-hand experience of what it means to be an expatriate Nigerian in Southern Africa. As such his poems are well rooted in the politics, culture and the urban experience on the continent. Yannick Marshall born in Canada to black Caribbean parents has a firm understanding of the Caribbean immigrant experience and what it means to be black and a descendant of slaves in North America. As a member of the black conscious African Diaspora his poems reflect the slave and post-slavery experience and the slave's mystic romanticism of the continent.
You and No Other - PDF
You and No Other - PDF
نویسندگان: Cathy Maxwell خلاصه: The constraints of quiet widowhood have become too much for Lady Caroline Pearson to bear—especially now that her brother-in law has idiotically, and illegally, gambled away her house. Boldly, she confronts the new owner in person. But not only does the dashing rogue, James Ferrington, refuse to return Caroline's deed, he tries to take scandalous advantage of her as well. Sheepish and repentant, James arrives on Caroline's doorstep to make amends— unaware that the young widow and her eccentric aunt are intent on retaliation. James merely meant to seduce a bewitching minx and have done with it—and, suddenly, he's a kidnapped prisoner in Caroline's cellar. But most shocking of all, James realizes that he has no desire whatsoever to be free—for the audacious Caroline has inflamed his senses, destroyed his reason . . . and completely captured his heart.
You Can't Take it With You: Common-Sense Estate Planning for Canadians - PDF
You Can't Take it With You: Common-Sense Estate Planning for Canadians - PDF
نویسندگان: Sandra E. Foster خلاصه: Since it was first published ten years ago, You Can't Take It With You has been a trusted source of advice on estate planning, and it is more relevant today than ever. The Canadian population is aging, billions of assets are set to be transferred to the next generation over the coming decade, and estate planning is quickly becoming the single biggest financial planning issue of the next ten years for baby boomers and their parents.Estate planning is everybody's issue. If you don't plan for what happens to your money, your children, your house and other assets upon your death, the government will make those decisions for you. In these turbulent financial times, planning for the future is more important than ever, especially when it involves the financial security of those you love.Completely revised and updated in its fifth edition, this national bestseller continues to be the definitive resource on the financial, legal and human issues around estate planning.* Covers all areas of estate planning: financial and tax planning, wills and powers of attorney, life insurance, guardianship of your children, trusts and living wills, and funeral planning, as well as new information on current legislation and emerging trends such as estate mediation, and much more.* Prepares you for dealing with your financial adviser or lawyer--and may even help you to save hundreds of dollars in professional fees and taxes.* Features practical examples, tips, and question-and-answer boxes.
Value-Based Fees: How to Charge - and Get - What You're Worth (Ultimate Consultant (Pfeiffer)) - PDF
Value-Based Fees: How to Charge - and Get - What You're Worth (Ultimate Consultant (Pfeiffer)) - PDF
نویسندگان: Alan Weiss خلاصه: In this thoroughly revised edition of his classic book, Alan Weiss shows how consulting fees are dependent on only two things: value provided in the perception of the buyer and the intent of the buyer and the consultant to act ethically. Many consultants, however, fail to understand that perceived value is the basis of the fee, or that they must translate the importance of their advice into long-term gains for the client in the client's perception. Still others fail to have the courage and the belief system that support the high value delivered to clients, thereby reducing fees to a level commensurate with the consultant's own low self-esteem. Ultimately, says Weiss, consultants, not clients, are the main cause of low consulting fees.
A Week in the Zone: A Quick Course in the Healthiest Diet for You - PDF
A Week in the Zone: A Quick Course in the Healthiest Diet for You - PDF
نویسندگان: Barry Sears, Deborah Kotz خلاصه: A national bestseller for more than three years in hardcover, The Zone has introduced millions of people worldwide to a breakthrough approach to dieting based on Novel Prize–winning scientific research. Treating food as the most powerful drug available, The Zone plan shows how food, when used unwisely, can be toxic. Used wisely however, it will take anyone into the Zone, a state of exceptional health familiar to champion athletes. Now the benefits of Barry Sears߲evolutionary program can be experienced in just one week! With A Week in the Zone, everyone can start on the path to permanent weight loss and learn how to burn body fat, and keep it off – without deprivation or hunger. They'llalso discover how the Zone helps to both increase energy and fight heart disease, diabetes, PMS, chronic fatigue, depression, and cancer.
Volunteer Vacations: Short-Term Adventures That Will Benefit You and Others - 10th Revised edition - Original PDF
Volunteer Vacations: Short-Term Adventures That Will Benefit You and Others - 10th Revised edition - Original PDF
نویسندگان: Bill McMillon, Doug Cutchins, Anne Geissinger خلاصه: For those looking for a way to make a difference while on vacation--simultaneously getting away and using their talents to improve the world--this guide shows you how a short-term volunteer stint can transform your life as much as the people, animals, and ecology you choose to help. This fully updated edition is filled with in-depth information and profiles of more than 150 select organizations running thousands of quality programs in the United States and around the world. Inside, you’ll discover ways to Each listing includes complete contact information with locations, costs, dates, and project details you won’t find anywhere else. In addition, it features some of the better established long-term projects as well as organizations specifically tailored for families, seniors, and people with disabilities. Stories from recent volunteers and a host of photographs help you further imagine your volunteer adventure.

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