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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
i'll tell you one damn thing and that's all i know - PDF
i'll tell you one damn thing and that's all i know - PDF
نویسندگان: Jann Arden خلاصه: As I read through my journals from the past couple ofyears, in preparation for publishing this book, I could notbelieve the contrast from one 24 hour period to the next.Some mornings I woke with more willpower and positiveenergy than anyone on the planet. Apparently as I slept, thatglee, that pure joyfulness, would sneak out the back door. Iwould wake not knowing what I was doing and being unsureof how I felt, or what the point was. How could that happenovernight? My mother would always tell us kids, growing up,that as quickly as things could turn to crap, that's how quick-ly they could turn themselves around and be good again—verymuch like the way I have written these journals. One daygreat, fantastic! The next...well you'll get the picture.The true journey of the human heart is indeed very diffi-cult. I hope that as you read through these pages you'll recog-nize bits and pieces of yourself within them. We are so alike,and yes, so very different. But I think at the core of all human-ity is the ability to love. No matter what language we speak orwhere we live in the world, the essence of ourselves is made oflove. Love is really all I ever write about. Even tales aboutcleaning "Sweet Maries" from the cat litter, or watching mydad build a squirrel-proof bird feeder, it's all about love. Iwrite about love because I think about love, at some level,every waking minute of the day. Love got me this far, I shallrely on it as I continue onward
Leadership Divided: What Emerging Leaders Need and What You Might Be Missing - PDF
Leadership Divided: What Emerging Leaders Need and What You Might Be Missing - PDF
نویسندگان: Ron A. Carucci خلاصه: How senior leaders can re-connect to the emerging leaders hidden in their organizationsA sea change has taken place throughout the culture of leadership; today’s emerging leaders are "opting out" of the same positions their predecessors coveted in years past. But many senior managers trained in traditional leadership still hang onto outdated approaches of command and control despite how much they’ve heard about "empowerment" and inclusion. At the core of this book is the fictional suspense story of Brookreme Corporation, whose leaders are challenged to chart a course to a global future, navigating relational land mines along the way. With both story telling and hard research, Leadership Divided reconnects generations and instructs both senior and emerging leaders on how the relationships of the future will be the path to revolutionary performance.Ron A. Carucci (Seattle, WA) is a founding partner with Passages Consulting, LLC, where he works with CEOs and senior executives in pursuit of profound organizational change and executive leadership capability. He is Graduate Professor of Leadership at Mars Hill Graduate School in Seattle. He is also faculty member at Fordham University, serving as Associate Professor of Organizational Behavior, and has served as an adjunct at the Center for Creative Leadership. His clients have included Edward Jones Investments, Bristol-Myers Squibb, Amgen, McDonald’s, PepsiCo, Gates Corporation, Accenture, and many others.
Ten Things I Love About You (Bevelstoke, Book 3) - PDF
Ten Things I Love About You (Bevelstoke, Book 3) - PDF
نویسندگان: Julia Quinn خلاصه: ―Annabel!‖Annabel snapped to attention. Louisa was addressing her with uncommon urgency, and she‘d dowell to listen.―Annabel, this is important,‖ Louisa said.Annabel nodded, and an unfamiliar feeling washed over her—maybe of gratitude, certainly oflove. She‘d only just got to know her cousin, but already there was a deep bond of affection, andshe knew that Louisa would do everything in her power to keep Annabel from making anunhappy alliance.Unfortunately, Louisa‘s power was, in this capacity, limited. And she did not—no, she couldnot—understand the pressures of being the eldest daughter of an impoverished family.―Listen to me,‖ Louisa implored. ―Lord Newbury‘s son died, oh, I think it must be a bit over ayear ago. And he started looking for a wife before his son was cold in his grave.‖―Shouldn‘t he have found one by now, then?‖Louisa shook her head. ―He almost married Mariel Willingham.‖―Who?‖ Annabel blinked, trying to place the name.―Exactly. You‘ve never heard of her. She died.‖Annabel felt her eyebrows rise. It was really a rather emotionless delivery of such tragic news.―Two days before the wedding she took a chill.‖―She died in only two days?‖ Annabel asked. It was a morbid question, but, well, she had toknow.―No. Lord Newbury insisted upon delaying the ceremony. He said it was for her welfare, thatshe was too ill to stand up in church, but everyone knew that he really just wanted to make sureshe was healthy enough to bear him a son.‖―And then?‖―Well, and then she did die. She lingered for about a fortnight. It was really very sad. She wasalways very kind to me.‖ Louisa gave her head a little shake, then continued. ―It was a near missfor Lord Newbury. If he‘d married her, he would have had to go into mourning. As it was, hehad already tried to wed scandalously soon after his son‘s death. If Miss Willingham hadn‘t diedbefore the wedding, he‘d have had another year of black.‖―How long did he wait before looking for someone else?‖ Annabel asked, dreading the answer.―Not more than two weeks. Honestly, I don‘t think he would have waited that long if he thoughthe could have got away with it.‖ Louisa looked about, her eyes falling on Annabel‘s sherry. ―Ineed some tea,‖ she said.
Pomodoro Technique Illustrated: Can You Focus - Really Focus - for 25 Minutes? - PDF
Pomodoro Technique Illustrated: Can You Focus - Really Focus - for 25 Minutes? - PDF
نویسندگان: Staffan Noteberg خلاصه: You have so much you need to accomplish today. Your list is a mile long and you find yourself getting interrupted every other minute. You'd like to tell everyone to leave you alone, but most of the interruptions are coming from you! You think of a phone call you need to make or a web site you need to check and before you know it you're answering email, checking twitter, and finding a million other things to occupy your time. You need to focus---really focus. The Pomodoro Technique puts you back in charge of your day. You'll apply successful techniques from software engineering to identify what you should be doing today and to help you achieve your goals. Your mind won't wander when it is fully engaged in short bursts of focused activity. Learn to work less and accomplish more using nothing more than paper, pencil, and a simple kitchen timer. Set the timer and start on your next Pomodoro. When the bell rings take a break. This personal approach to timeboxing is at the core of the Pomodoro technique and this book is filled with advice on how get started and how to tailor it to your own needs.
Health Occupations Entrance Exam: The Core Review You Need To Succeed - PDF
Health Occupations Entrance Exam: The Core Review You Need To Succeed - PDF
نویسندگان: (Compiler), LearningExpress خلاصه: The field known as health occupations - which includes dental hygienists, medical assistants, paramedics, and radiographers - is experiencing blistering growth and staunch competition. In order to establish a career in the field, it is necessary to attend a top educational program that necessitates a high score on relevant entrance exams. Health Occupations Entrance Exam provides comprehensive test preparation.
Living Like You Mean It: Use the Wisdom and Power of Your Emotions to Get the Life You Really Want - PDF
Living Like You Mean It: Use the Wisdom and Power of Your Emotions to Get the Life You Really Want - PDF
نویسندگان: Ronald J. Frederick خلاصه: In LIVING LIKE YOU MEAN IT, author Ronald J. Frederick, does a brilliant job of describing why people are so afraid of their emotions and how this fear creates a variety of problems in their lives. While the problems are different, the underlying issue is often the same. At the core of their distress is what Dr. Frederick refers to as feelings phobia. Whether it s the experience of love, joy, anger, sadness, or surprise, our inborn ability to be a fully feeling person has been hijacked by fear--and it s fear that s keeping us from a better life.The book begins with a questionnaire-style list that help readers take an honest look at themselves and recognize whether and how they are afraid of their feelings. It then moves on to explore the origins of fear of feeling and introduces a four-part program for overcoming the fear: (1) Become aware of and learn to recognize feelings--anger, sadness, joy, love, fear, guilt/shame, surprise, disgust. (2) Master techniques for taming the fear. (3) Let the feeling work its way all the way through to its resolution. (4) Open up and put those feelings into words and communicate them confidently. With wisdom, humor, and compassion, the book uses stories and examples to help readers see that overcoming feelings phobia is the key to a better life and more fulfilling relationships.
Japanese Core Words and Phrases: Things You Can't Find in a Dictionary (Power Japanese Series) (Kodansha's Children's Classics) - PDF
Japanese Core Words and Phrases: Things You Can't Find in a Dictionary (Power Japanese Series) (Kodansha's Children's Classics) - PDF
نویسندگان: Kakuko Shoji خلاصه: Some Japanese words and phrases, even though they lie at the core of the language, forever elude the student's grasp. They are not explained satisfactorily in dictionaries or textbooks for the simple reason that they cannot be conveniently defined. Japanese Core Words and Phrases brings these recalcitrants to bay. The book is divided into two parts, each of which is arranged in alphabetical order. The first part is devoted to words indicating physical as well as psychological distance-roughly equivalent to "this," "that," "that over there," and "where," but quite different in usage. Physical distance is covered in most textbooks, but psychological distance-every student's nemesis-is not. The second part of the book covers a variety of idiomatic expressions, many of which appear in Japanese proficiency tests. Each entry word or phrase is not simply explained but exemplified in sentence form, clarifying its meaning (in the case of many students) for the very first time. Japanese Core Words and Phrases has a great deal to offer the beginning student and much to offer the intermediate student. Little more can be asked of a book on the Japanese language. Previously published in the Power Japanese series as Core Words and Phrases: Things You Can't Find in a Dictionary.
Workforce Wake-Up Call: Your Workforce is Changing, Are You - PDF
Workforce Wake-Up Call: Your Workforce is Changing, Are You - PDF
نویسندگان: Robert Gandossy, Nidhi Verma, Elissa Tucker خلاصه: Praise for Workforce Wake-Up Call"Great questions + great thinkers = novel ideas. Workforce Wake-Up Call deals with the challenges of getting, revitalizing, treating (engaging), and leading talent in today's workplace. These talent issues are at the core of successful organizations. And the authors deal with these challenges as a marvelous mix of theory, research, and practice. This anthology offers practical insights that give hope for mastering the challenges of the new workforce."--David Ulrich, Professor, Ross School of Business University of Michigan and Partner, The RBL Group"In the near future, there will be dramatic shifts in workplace practices and a further evolution of employment relationships. The authors provide provocative insights that help business leaders better navigate the talent maze and workforce challenges."--J. Randall MacDonald, Senior Vice President of Human Resources, IBM"This book addresses the question that all companies need to answer: Are your talent management efforts competitively positioning the business? The global economy is leveling the playing field on many fronts, leaving talent as the one true area where your company can gain leverage in the marketplace. Change is proving to be a constant in the workplace, and the authors have created a great blueprint for handling these ever-present challenges in the recruitment and retention of your workforce. This book is a must-read for any executive serious about building a high-performing team and achieving sustainable advantage for both today and tomorrow."--Dennis Donovan, Executive Vice President of Human Resources, The Home Depot"The best ideas from the best minds on the workforce of the future!"--Marshall Goldsmith, author or coeditor of twenty books, including The Leader of the Future (a BusinessWeek bestseller) and Global Leadership: The Next GenerationContributors to Workforce Wake-Up Call include:* Max Bazerman, Harvard Business Schoolcoauthor of Predictable Surprises* Peter Cappelli, The Wharton School author of The New Deal at Work* Lynda Gratton, London Business School author of The Democratic Enterprise* Ed Lawler, University of Southern California author of Treat People Right!* Thomas Malone, MIT Sloan School of Management author of The Future of Work* N. R. Narayana Murthy, Chairman of Infosys Technologies Limited* Nigel Nicholson, London Business School author of Executive Instinct* Jeffrey Pfeffer, Stanford University author of The Human Equation* Matt Schuyler, Executive Vice President of Human Resources, Capital One* Ricardo Semler, President of Semco author of The Seven-Day Weekend* Noel Tichy, University of Michigan author of The Leadership Engine* Sheila Wellington, Stern School of Business author of Be Your Own Mentor
If You're so Brilliant... how Come You Can't Identify Your Key Customers - PDF
If You're so Brilliant... how Come You Can't Identify Your Key Customers - PDF
نویسندگان: Cheverton P خلاصه: Key account management (KAM) is not a sales initiative, it is a business-wide process that must be managed and supported from the top. Here we have a book or all those involved in the management of key accounts, but uncertain about how these important customers are identified, selected and managed. In a clean, direct style, Cheverton cuts to the quick and shows how to achieve the core objectives of KAM: retain existing customers in a competitive environment; grow through acquiring new long term contracts; achieve global 'preferred supplier' status; manage customers serviced by several departments in a consistent way; create a customer intimate business; achieve operational excellence. 'Managing the future' Cheverton says is the purpose of KAM: achieving a realistic balance between objectives, the market opportunity and the resources available. Global cases, tools, techniques and exercises are all features of this inspired little book.

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