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Homebuyers Beware: Who's Ripping You Off Now?--What You Must Know About the New Rules of Mortgage and Credit - PDF
Homebuyers Beware: Who's Ripping You Off Now?--What You Must Know About the New Rules of Mortgage and Credit - PDF
نویسندگان: Carolyn Warren خلاصه: “Carolyn Warren is my go-to expert for mortgage industry information. She not only helps you avoid rip-offs, she helps you know what questions to ask and how to ask them. Full of tips, scripts, and sample letters, Homebuyers Beware is an extremely valuable book that I recommend to all my readers!” --Alison Rogers, “Ask the Agent” columnist, CBS Moneywatch.com “In this fun-to-read volume, mortgage industry insider Carolyn Warren tells you what real estate cheats and mortgage scammers do NOT want you to know: the tricks, the deceptions, and the outright frauds that would otherwise add thousands, maybe tens of thousands of dollars to your mortgage. Get it. Read it. And take it to the mortgage broker with you. You’ll be glad you did!” --Clayton Makepeace, The Total Package, Makepeacetotalpackage.com “In Homebuyers Beware, Carolyn Warren directs her keen eye at the mortgage and credit markets in the wake of the housing bubble. With an insider’s knowledge, plenty of interesting anecdotes, and helpful reference information, Warren is a cheerful teacher leading readers down the path to homeownership and pointing out pitfalls along the way.” --Ben Meyer, InternetBrands.com Get the Best Mortgage Deal in Today’s Real Estate Markets--and Avoid a Whole New Generation of Scams! Exposes new secrets, lies, and scams the mortgage industry doesn’t want you to know about Reveals how to save thousands right now by finding the best rate and negotiating the best deal Guides you step-by-step through improving your credit and preparing to buy, even if you’ve faced foreclosure Everything you thought you knew about financing a house has changed. Your future depends on knowing today’s mortgage and credit realities: Relying on older information could cost you a fortune or keep you from buying a house altogether. In Homebuyers Beware, Carolyn Warren reveals the new realities of home financing and shows exactly how to take advantage of them, whether you’re buying your first home, refinancing, struggling with imperfect credit, or planning to invest in real estate. Homebuyers Beware reveals new secrets homebuyers simply can’t afford to miss and exposes new scams that target today’s eager consumers--including new loans that look great on paper but are every bit as dangerous as yesterday’s subprimes. Unlike other mortgage guides, this book fully reflects today’s radically new mortgage requirements, in addition to the latest federal housing legislation and how to improve your credit rating. From its up-to-the-minute guidance on real estate negotiation to its powerful tips on getting lower interest rates and avoiding bogus junk fees, this may be the most valuable book you ever read! Who’s ripping you off nowHigh-tech “smoke and mirrors” that can trick you into overpaying Quick, easy, powerful ways to fix your creditInnovative ways to raise your credit score or recover from a foreclosure or short sale Uncovering the costly secrets of the Yield Spread PremiumGet past your banker’s lies, learn the truth, and save a fortune The latest laws and credit rules and what they mean to youSo-called anti-predatory laws and codes of conduct actually hurt homebuyers. Learn what you can do to protect yourself from big corporation greed. New plans for recovering from bad credit, foreclosures, or short sales Step-by-step techniques that erase bad credit and raise your credit score faster than you ever thought possible. Learn how to recover from a foreclosure
Because You're Mine - PDF
Because You're Mine - PDF
نویسندگان: Lisa Kleypas خلاصه: Because the Dream. . . Young, high-spirited Lady Madeline Matthews is expected to wed an aging, lecherous lord. But she would rather shame herself in the eyes of society than sacrifice her freedom, and resolves to render herself unmarriageable by indulging in a torrid affair with Britain's most acclaimed actor and notorious womanizer, Logan Scott. Because the Heart. . . He is a legend in the footlights and in the bedchamber. But when the curtain falls, Logan is an intensely private, guarded man still tormented by past betrayals that cut deep into his pride and his heart. Now a forward little minx who seems completely out of place in the bright, sophisticated world of the London stage is disrupting his orderly existence with her constant presence, her unspoiled beauty and vibrant charm. And what begins with an onstage kiss threatens to blossom into something more rapturous and real. But first Logan and Madeline both must be brave enough to drop the masks they hide behind. . . and reveal their true selves in the golden glorious light of love.Because the Dream. . .Young, high-spirited Lady Madeline Matthews is expected to wed an aging, lecherous lord. But she would rather shame herself in the eyes of society than sacrifice her freedom, and resolves to render herself unmarriageable by indulging in a torrid affair with Britain's most acclaimed actor and notorious womanizer, Logan Scott.Because the Heart. . .He is a legend in the footlights and in the bedchamber. But when the curtain falls, Logan is an intensely private, guarded man still tormented by past betrayals that cut deep into his pride and his heart. Now a forward little minx who seems completely out of place in the bright, sophisticated world of the London stage is disrupting his orderly existence with her constant presence, her unspoiled beauty and vibrant charm. And what begins with an onstage kiss threatens to blossom into something more rapturous and real. But first Logan and Madeline both must be brave enough to drop the masks they hide behind. . . and reveal their true selves in the golden glorious light of love.
When I Stop Talking, You'll Know I'm Dead: Useful Stories from a Persuasive Man - PDF
When I Stop Talking, You'll Know I'm Dead: Useful Stories from a Persuasive Man - PDF
نویسندگان: Jerry Weintraub خلاصه: Here is the story of Jerry Weintraub: the self-made, Brooklyn-born, Bronx-raised impresario, Hollywood producer, legendary deal maker, and friend of politicians and stars. No matter where nature has placed him--the club rooms of Brooklyn, the Mafia dives of New York's Lower East Side, the wilds of Alaska, or the hills of Hollywood--he has found a way to put on a show and sell tickets at the door. "All life was a theater and I wanted to put it up on a stage," he writes. "I wanted to set the world under a marquee that read: 'Jerry Weintraub Presents.'"In WHEN I STOP TALKING, YOU'LL KNOW I'M DEAD, we follow Weintraub from his first great success at age twenty-six with Elvis Presley, whom he took on the road with the help of Colonel Tom Parker; to the immortal days with Sinatra and Rat Pack glory; to his crowning hits as a movie producer, starting with Robert Altman and Nashville, continuing with Oh, God!, The Karate Kid movies, and Diner, among others, and summiting with Steven Soderbergh and Ocean's Eleven, Twelve, and Thirteen.Along the way, we'll watch as Jerry moves from the poker tables of Palm Springs (the games went on for days), to the power rooms of Hollywood, to the halls of the White House, to Red Square in Moscow and the Great Palace in Beijing-all the while counseling potentates, poets, and kings, with clients and confidants like George Clooney, Bruce Willis, George H. W. Bush, Armand Hammer, Brad Pitt, Matt Damon, Bob Dylan, Led Zeppelin, John Denver, Bobby Fischer . . .well, the list goes on forever.And of course, the story is not yet over . . .as the old-timers say, "The best is yet to come."As Weintraub says, "When I stop talking, you'll know I'm dead."With wit, wisdom, and the cool confidence that has colored his remarkable career, Jerry chronicles a quintessentially American journey, one marked by luck, love, and improvisation. The stories he tells and the lessons we learn are essential, not just for those who love movies and music, but for businessmen, entrepreneurs, artists . . . everyone.
Is There a Book in You? - PDF
Is There a Book in You? - PDF
نویسندگان: Alison Baverstock خلاصه: Many people feel they might have a book in them - but how do you know whether you have what it takes to be a writer, whether your writing is any good, what you should write about and whether you should dedicate proper time to begin your dream? This book asks pertinent questions of you via a questionnaire to help you discover whether there is a talented writer in you. Each chapter provides background to the relevant point in the questionnaire. Packed with advice from experienced writers including known authors; P D James, Philip Pullman, Jacqueline Wilson, Margaret Drabble, Katie Fforde and more. Expert advice from Daniel Roche (BA President), independent booksellers, publishers Helen Fraser (Penguin) and Ian Trewin (Chairman Cheltenham Literary Festival and administrator, Man Booker Prize), agents and creative writing tutors. Foreword by columnist and writer Katharine Whitehorn.
Canning Spam: You've Got Mail (That You Don't Want) - PDF
Canning Spam: You've Got Mail (That You Don't Want) - PDF
نویسندگان: Jeremy Poteet خلاصه: We've all seen it — the e-mails that come to us from a sender we don't know and promise a frog that jumps across our screen, a low mortgage rate or a medical miracle pill. These e-mails are otherwise known as spam. Your inbox gets cluttered or worse, your computer is infected with a virus as you scratch your head, wondering how it ever happened. Now there is a way to stop the madness! Canning Spam: You've Got Mail (That You Don't Want) is your remedy to inbox clutter and infected computers. Learn how spammers get your e-mail address and how to stop them, how viruses are transmitted through attachments, how spammers can mask their true identity and how to ultimately block unwanted e-mails. Next time you log in to your e-mail account, be happy to hear those three little words: “You've Got Mail!”
You Can't Fight Tanks with Bayonets: Psychological Warfare against the Japanese Army in the Southwest Pacific (Studies in War, Society, and the Militar) - PDF
You Can't Fight Tanks with Bayonets: Psychological Warfare against the Japanese Army in the Southwest Pacific (Studies in War, Society, and the Militar) - PDF
نویسندگان: Allison B. Gilmore خلاصه: In November 1944, during a lull in the intense fighting so characteristic of the Pacific War, a Japanese sol-dier made the following entry in his diary: ‘’I won’t go so far as to say it is absolutely impossible but I don’tthink we can win the war with Japanese spirit alone.” 1 Although the average GI would have found these wordsof little interest or importance, they were immensely heartening to Allied propagandists charged with the taskof inducing demoralization among enemy combatants. For this seemingly insignificant diary entry and manyothers akin to it provided evidence that soldiers of the Imperial Japanese Army (IJA ) were losing confidencein their ability to win the “Greater East Asia War” and recognizing the vital importance played by materialfactors in wartime. Similar statements proffered by Japanese prisoners of war (POWS ) and found in documentsretrieved from battlefields throughout the Pacific were important sources of intelligence for psychologicalwarfare personnel, whose job it was to hasten Japan’s defeat by waging a propaganda campaign to diminishJapanese confidence in their ability to achieve victory.Historians have written hundreds of volumes about World War II. Many of them analyze various aspects ofthe Pacific War, and some examine the subject of psychological warfare (psywar), but rarely do these twolines of scholarly inquiry intersect. The bulk of the studies of psychological operations in World War II per-tain to the European Theater of Operations (ETO). John W. Dower’s War without Mercy: Race and Power inthe Pacific War assesses the impact of racial hatred, cultural stereotypes, and psychological factors on theconduct of the Pacific War. Yet his treatment of wartime atrocities, Japanese adherence to “death before disho-nor,” and Americans “obsessed with the task of slaughter” reveals only part of the story. 2 Although he refersto the surrender of demoralized Japanese soldiers, the subject is peripheral to his work. This is understanda-ble given his focus, yet one is left with a very clear impression that such occurrences were extraordinarily rareand insignificant events. More problematic is Dower’s assertion that Americans in decision-making positionswere so singularly unimpressed with the idea of waging a serious propaganda campaign against the Japanesethat “such ideas had little impact.”3 In fact, this is not the case. Psywar was not an afterthought on the part ofAllied military commanders, nor was it always perceived as some ‘’impractical plaything of effete civilians.”4In their attempts to demoralize Japanese troops Allied propagandists in the Southwest Pacific alone dissemi-nated nearly 400 million propaganda leaflets and witnessed the capture of approximately 19,500 Japanese pri-soners.
The World of Animals (Children, Have You Ever Thought?) - PDF
The World of Animals (Children, Have You Ever Thought?) - PDF
نویسندگان: Yahya Harun خلاصه: Dear children,In this book, we will discover the marvels of creation in the living beingssurrounding us. In the following pages, you will set out on a joyful journeyin the company of many loveable living beings who will amaze you withtheir many interesting and astonishing characteristics.While reading this book, you will see that Allah has created all livingbeings in perfect forms and that all of them are only manifestations ofAllah's infinite beauty, power and knowledge."Do you know all the animals?" We can hear you saying, "Not really.Only some of them." Do you know about these creatures' lives? Do youknow how they are born? How they live? How they protect themselves andfind food? You probably have no idea about most of the details of theseanimals' lives. But don't worry! As you read this book, you will learnastounding things about them and be amazed at the various perfectionsand fine qualities Allah has given these living creatures.You are already acquainted with many animals. But in this book, youwill also get to know some other animals' secret and marvellous worlds,11which you have most probably never heardabout or seen. You will like them very much. Asyou continue reading, you will be amazed at theway these animals can accomplish some of the tasksthey do. You will see ostriches–the fastest runners in the world,tigers–some of the best sprinters, sharp-teethed squirrels, eye-catchingpeacocks and, as you meet them, you will come to know them better.Meanwhile, keep in mind that these are only some of the animals that existin the world… Our planet abounds with countless other animal species.While seeing the beauties of these creatures, keep in mind that Allah, theCreator of all these creatures, only wants us to think about the infinitemight and art in His creation, recognise that He has created everythingand that He is the owner of every living being. He also wants us to see thebeauty in these living creatures, to take pleasure from their beauty andthereby love Allah and be grateful to Him because He has created all thesesplendid creatures.The creation of all the universe, all the lovely animals, plants, night andday and everything surrounding you serves a single purpose: to come to beable to see the sublime and flawless creation of Allah. The purpose is simplyto make us, human beings, say, "How graciously Allah has created!"Reading The World of Animals will provide this outlook on the livingcreatures you see around you.Are you ready? Now, turn the page andembark on The World of Animals! There isa whole world of wonderful animalswaiting for you inside!
First Kisses 4: It Had to Be You - PDF
First Kisses 4: It Had to Be You - PDF
نویسندگان: Sabrina Jordan خلاصه: Chapter OneIam a girly-girl.With three older brothers who areobsessed with sports and cars and videogames, it would have been easy for me to growup a tomboy, but I didn’t.From the time I was little, I’ve loved beinga girl! Dresses with ruffles. Colored tights.Shiny black Mary Janes. I used to wear themall! Very rarely would I wear T-shirts andjeans, but if I did, there was always somethingfeminine about them. Like my jeans wouldn’t1be blue. They’d be yellow or purple andtrimmed with lace on the cuffs. And my T-shirts would say things like: DADDY’S LITTLEGIRL or SWEET AS SUGAR.I used to have tea parties with my stuffedanimals and I would serve cakes made with myEasy-Bake oven. Cliché, I know. I even hadevery Barbie imaginable, including all theaccessories, as well as a few Bratz dolls.Confession: I always loved my Barbies morethan my Bratz dolls. Barbie just seemed moreelegant. And she had her own Dream House!I’ve always had pierced ears. My oldestbrother, Rob, who’s nineteen and just finishedhis first year of college, says this is becausewhen I was a baby and our mom used to takeme out in my carriage, people would alwaysstop her and say, “What a cute baby boy!” eventhough I was wearing pink and I had a PebblesFlintstone hairstyle (a tuft of hair sticking upon the top of my head and tied with a bright-colored ribbon).Earrings are fun. My jewelry box is filledwith all sorts of different styles. Some days I2like wearing tiny hoops. Other days I likewearing earrings that are long and dangling.Sometimes I’ll just go simple and wear goldstuds. My mom has a fabulous earring collec-tion and sometimes she’ll let me borrow a pair,but only if I ask permission. Sneaking into herjewelry box is not allowed. That’s because herearrings are made of real gold and silver anddiamonds while mine are all pretty much cos-tume jewelry.When I was little, my mom used to braidmy hair in pigtails. Some days she’d give me aponytail. But whatever hairstyle she gave me,she always used silk ribbons and cute barrettesand hair clips. My hair is still long and I lovestyling it in different ways. No short-and-sassyhairstyle for me! My hair reaches past myshoulders to the middle of my back and thecolor is chestnut brown, although sometimes,like during the summer, if I’m out in the sun fora long time, highlights will appear. My bestfriend, Caitlyn, is always telling me she wouldkill to have my hair. I don’t know what she’scomplaining about. Her hair is super curly and3a gorgeous red color. Not carrot red but a richauburn. Like in shampoo ads in magazines. Butshe hates the color and is always trying tostraighten the curls out of her hair.Caitlyn and I have been best friends sincekindergarten. On the first day of school, weboth brought our Cabbage Patch Kids toschool for show-and-tell. The dolls were identi-cal and we decided that they were long-lost sis-ters and it was up to us to make sure theystayed in touch.Caitlyn practically lives at my house andwhen we’re not hanging out together, we’reeither on the phone or instant messaging whenwe’re online. We tell each other everythingalthough there’s a secret I’ve been keepingfrom her.It’s not that I don’t want to tell her mysecret, but I can’t. I’ve been told that part of thejob I’ve just taken is keeping my identity asecret.I know this all sounds mysterious and con-fusing, but it really isn’t. And there’s a perfectlylogical explanation.4This September I’ll be a freshman at NorthMarshall High School and I’ve been picked toinherit the job of being the anonymous fresh-man advice columnist, Dear Daisy, for the highschool’s website. Daisy has been around forever.I think she was even giving out advice whenmy parents were both freshmen there! Beforewebsites existed, she had her own column inthe school’s newspaper. Every year a newfreshman takes over as Daisy, writing the col-umn and dispensing advice.Working on my junior high’s newspaper,writing and editing articles, is what got me thejob of Dear Daisy. I know the importance ofextracurricular activities. Colleges look for thatkind of stuff in addition to good grades, so it’snever too early to start participating.My guidance counselor, who I met when Iwent to pick up my class schedule in June, wasthe one who told me about the Dear Daisyposition. He thought I would be good at it, buthe also told me that there were five other girlswho were just as qualified as I was to take overthe column. If I was interested in becoming5Dear Daisy, then I’d have to submit a samplecolumn and after all the columns were com-pared, a decision would be made
Greener Than Thou: Are You Really An Environmentalist? - PDF
Greener Than Thou: Are You Really An Environmentalist? - PDF
نویسندگان: Terry L. Anderson, Laura E. Huggins خلاصه: The Hoover Institution is designing and implementing task forces onspecific topics that coincide with Hoover’s ongoing research initiatives.Representing multiyear efforts, the task forces will adopt a method-ology whereby a team of experts, both Hoover fellows and otherprominent scholars, are brought together and organized as a team, or“virtual faculty,” to work on commonly defined topics and projects.One of these new task force efforts, with lead sponsorship by Johnand Jean DeNault, is the Task Force on Property Rights, Freedom,and Prosperity.The premise behind Terry Anderson and Laura Huggin’s newbook, Greener Than Thou, complements Hoover’s broader effort ofunderstanding the role of property rights in a free society in the above-mentioned task force. In Greener Than Thou, Anderson and Hugginsaddress the critical link between property ownership and care for as-sets, as evidenced in the poignantly titled chapter 4, “No One Washesa Rental Car.” Throughout the book, Anderson and Huggins delvedeeply into how best to use property rights and markets to convertthe environment from a problem into an asset, providing a convincingalternative to regulation via the property rights and market path. Notonly do property rights lead to prosperity, which in turn leads toenvironmental quality, but the combination of property rights andmarkets makes the environment an asset that can receive careful ste-wardship from its owner.
This Is Where I Leave You: A Novel - PDF
This Is Where I Leave You: A Novel - PDF
نویسندگان: Jonathan Tropper خلاصه: Dad’s dead,” Wendy says offhandedly, like it’s happened before, likeit happens every day. It can be grating, this act of hers, to be utterly unfazed at all times, even in the face of tragedy. “He died two hoursago.”“How’s Mom doing?”“She’s Mom, you know? She wanted to know how much to tip thecoroner.”I have to smile, even as I chafe, as always, at our family’s patentedinability to express emotion during watershed events. There is no occasion calling for sincerity that the Foxman family won’t quickly diminishor pervert through our own genetically engineered brand of irony andevasion. We banter, quip, and insult our way through birthdays, holidays, weddings, illnesses. Now Dad is dead and Wendy is cracking wise.It serves him right, since he was something of a pioneer at the forefrontof emotional repression.“It gets better,” Wendy says.“Better? Jesus, Wendy, do you hear yourself?”“Okay, that came out wrong.”“You think?”“He asked us to sit shiva.”“Who did?”“Who are we talking about? Dad! Dad wanted us to sit shiva.”2 J o n a t h a n Tr o p p e r“Dad’s dead.”Wendy sighs, like it’s positively exhausting having to navigate thedense forest of my obtuseness. “Yes, apparently, that’s the optimal timeto do it.”“But Dad’s an atheist.”“Dad was an atheist.”“You’re telling me he found God before he died?”“No, I’m telling you he’s dead and you should conjugate your tensesaccordingly.......

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