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How You Can Profit from Credit Cards: Using Credit to Improve Your Financial Life and Bottom Line - PDF
How You Can Profit from Credit Cards: Using Credit to Improve Your Financial Life and Bottom Line - PDF
نویسندگان: Curtis E. Arnold خلاصه: “This book is a must-read for credit card holders of all ages. Curtis Arnold offers insights into how consumers can not only profit financially from credit cards, but importantly, how to avoid falling into debt.” —Thomas R. Evans, President and CEO of BankRate.com, Inc. “Finally, someone has written a guide for savvy consumers who want to make the most of the plastic in their wallets. Curtis Arnold explains exactly how to maximize your rewards so you’re quite literally getting free money and also outlines winning strategies for negotiating the lowest interest rate and using balance transfers to your advantage. Anyone who wants to build credit, improve their credit, or profit from their credit cards should read this book.” —Liz Pulliam Weston, MSN Money Personal Finance Columnist and Bestselling Author of Your Credit Score and Easy Money “Curtis Arnold is America’s premier credit card expert. Whether you’re trying to get your first card, compare credit offers, or figure out how to beat the credit card companies at their own game, Arnold’s wisdom and insider tips will prove invaluable.” —Lynnette Khalfani-Cox, The “Money Coach” and Author of The New York Times Bestseller Zero Debt: The Ultimate Guide to Financial Freedom “If you have had enough of credit card tricks and traps, this book will show you how to turn the tables. Curtis Arnold knows the credit card business inside and out and offers proven ways to put plastic to work for you, rather than against you.” —Gerri Detweiler, Consumer Advocate and Author of four books on personal finance including the forthcoming book Stop Debt Collectors “For most Americans, credit cards are seen as a necessary evil. Curtis Arnold transforms that perception. Using his advice, people can get rebates, perks, better interest rates, and all kinds of benefits from their cards that they never knew were possible. This book helps you become the master of your credit cards instead of a victim.” —Jordan E. Goodman, “America’s Money Answers Man” and Bestselling Author of Everyone’s Money Book on Credit “Curtis Arnold provides you with tips for protecting yourself from costly credit card traps, how to use credit to your advantage, and much more. This is a must-read book!” —Marcia Brixey, Author of The Money Therapist and Founder and President of Money Wise Women Educational Services Banks spend billions to entice credit card customers with rebates, freebies, low introductory rate offers, and airline miles. This book shows you how to take maximum advantage of these special deals—without paying for them through brutally high interest rates, fees, and penalties! Top independent credit card expert Curtis Arnold reveals how to creatively finance major purchases such as cars, weddings, and condos with little or no interest charges…earn huge credit card “perks” every year…and dramatically reduce your cost of credit. He offers specific advice targeted to: young consumers, retirees facing credit discrimination, Americans recovering from debt problems, and even to consumers with spotless credit. Why should huge banks and credit card companies make all the money? Get this book, and you too can start earning and saving hundreds, and possibly thousands of dollars, like Curtis has! Unlock the keys to huge credit card savingsFind the best rates and balance transfer offers—and make the most of them Fly anywhere, finance anythingUse credit cards to get free airline tickets and cash rebates or low-cost “creative financing” Don’t get ripped off—by your bank or anyone elseAvoid hidden fees, costly small print, and flat-out fraud Slash your debt, and cut your cost of creditStop throwing away money you could be saving or investing Acknowledgments xvii About the Author xxi Chapter 1: It’s Not Just Plastic–It’s Money! 1 Chapter 2: Show Me the Money! Credit Card Rebates 23 Chapter 3: Unlock the Key to Huge Savings: Master Credit Card Rates and Transfer Offers 51 Chapter 4: Avoid Problems That Hinder Maximum Profits 75 Chapter 5: How to Slash Your Debt and Keep Your Hard-Earned Money for Yourself 89 Chapter 6: Watch Out: Traps and Scams Can Cost You Big Bucks! 119 Chapter 7: Start Out on the Right Foot–Credit Cards for Students and Saving for College 155 Chapter 8: Use Targeted Cards to Your Financial Advantage 179 Chapter 9: Your Credit Report and Score: The Better You Look, the More You Profit 209 Chapter 10: Maximize the Benefits of Your Cards by Taking Advantage of Additional Free Perks 237 Chapter 11: Master Advanced Card Techniques to Save and Make Money 259 Chapter 12: Capitalize on Future Card Trends 283 Glossary 301 Index 315
Now You See Him: A Novel - PDF
Now You See Him: A Novel - PDF
نویسندگان: Eli Gottlieb خلاصه: His name was Rob Castor. Quite possibly, you've heard of him. He became a minor cult celebrity in his early twenties for writing a book of darkly pitch-perfect stories set in a stupid upstate New York town. About a dozen years later, he murdered his writer-girlfriend and committed suicide. . . . The deaths of Rob Castor and his girlfriend begin a wrenching and enthrallingly suspenseful story that mines the explosive terrains of love and paternity, marriage and its delicate intricacies, family secrets and how they fester over time, and ultimately the true nature of loyalty and trust, friendship and envy, deception and manipulation. As the media takes hold of this sensational crime, a series of unexpected revelations unleashes hidden truths in the lives of those closest to Rob. At the center of this driving narrative is Rob's childhood best friend, Nick Framingham, whose ten-year marriage to his college sweetheart is faltering. Shocked by Rob's death, Nick begins to reevaluate his own life and his past, and as he does so, a fault line opens up beneath him, leading him all the way to the novel's startling conclusion. In this ambitious and thrilling novel, award-winning author Eli Gottlieb—with extraordinarily luxuriant and evocative prose—takes us deep into the human psyche, where the most profound of secrets are kept.
How to Make Colleges Want You: Insider Secrets for Tipping the Admissions Odds in Your Favor - PDF
How to Make Colleges Want You: Insider Secrets for Tipping the Admissions Odds in Your Favor - PDF
نویسندگان: Mike Moyer خلاصه: What if you had colleges coming after you instead of the other way around? The hidden little secret of college admissions is that most schools are desperate... desperate for great kids who do things differently and will make their campuses vibrant and exciting. And you don't have to be an A student, the president of your student body, or the winner of the national spelling bee to do this. Any student can become someone that colleges compete for if you follow the recommendations in this book. The Secret of NTAs: Unusual activities that make you stand out Breaking the Zone: Take advantage of where you're from and who you are Striking the Nerve: Decode what colleges believe in, then match those values Your Application Team: Getting references, teachers, and counselors to boost your odd And much more No matter where you are in your high school career, you can start these things today and vastly increase your odds of getting into the competitive college of your choice.
How to Get the Teaching Job You Want: The Complete Guide for College Graduates, Returning Teachers and Career Changers - PDF
How to Get the Teaching Job You Want: The Complete Guide for College Graduates, Returning Teachers and Career Changers - PDF
نویسندگان: Robert Feirsen, Seth Wietzman خلاصه: Competition for the best teaching jobs is intense. For every vacancy they advertise, the most desirable schools are deluged with applications. This is the most up-to-date book available on job hunting for teachers, and the only one written by school administrators. Offering the insights and experience of two authors who do the hiring, it details a step-by-step program for taking charge of your teaching career. How to Get the Teaching Job You want will teach you to: -Avoid the most common mistakes of a job candidate -Match your unique talents to the needs of a particular school -Craft effective cover letters and resumes, using models that address the specific needs of college graduates, returning teachers, and career changers -Read between the lines of newspaper advertisements -Leverage student teaching, substitute teaching or volunteer work into a job offer -Surf the Internet to locate jobs and discover valuable information about schools, including test results, educational philosophy and names of key administrators -Design a portfolio in book or electronic format to showcase your abilities -Practice interview skills using 100 questions taken from real job interviews -Apply proven strategies for a variety of interview formats, including high-stress interviews and performance interviews -Address controversial questions during interviews This book covers procedures for applying to elementary, middle, and high schools; public, independent, and parochial schools; as well as international and boarding schools. Anecdotes recounting the experiences of real candidates looking for jobs illustrate key points. Access to the authors' web site ensures that you will stay current in a changing job market. This is a vital book for aspiring teachers who want to achieve their career goals. It will also be invaluable for guidance counselors, psychologists, librarians, and other school professionals.
GIMP: When Life Deals You a Crappy Hand, You Can Fold -or You Can Play - PDF
GIMP: When Life Deals You a Crappy Hand, You Can Fold -or You Can Play - PDF
نویسندگان: Mark Zupan, Tim Swanson خلاصه: College soccer star Mark Zupan had been out drinking one night and had passed out in the back of his best friend's pickup truck when his friend got in the driver's seat, decided to take the truck for a spin, and accidentally crashed it. Thrown into a canal and stuck in frigid water for fourteen hours, Mark was finally rescued and learned soon after that he'd broken his neck. He'd most likely be a quadriplegic and spend the rest of his life in a wheelchair, doctors told him. At first Mark's only goal was to walk again. When that proved impossible, he fell into the depths of anger and despair, retreating from the world and the people closest to him. But love, friendship, and a new sport, quad rugby (a.k.a. "murderball"), helped Mark create a new existence that's truly exceptional. Gimp, the no-holds-barred memoir of a Paralympic athlete and the star of the Academy Award–nominated documentary Murderball, is an inspiring, defiant, and revealing celebration of spirit and will that confounds readers' prejudices by offering proof that a guy in a chair can still do amazing things: have sex with his girlfriend, party with his friends . . . even crowd-surf at Pearl Jam shows.
What Can You Do with a Major in English: Real people. Real jobs. Real rewards. (What Can You Do with a Major in...) - PDF
What Can You Do with a Major in English: Real people. Real jobs. Real rewards. (What Can You Do with a Major in...) - PDF
نویسندگان: Shelley O'Hara خلاصه: Your guide to glide from campus to careerYou've probably never seen a help wanted ad seeking an "English major." But if you're considering majoring in English or have an English degree, don't let that discourage you. Many interesting and exciting positions are available for people with your skills--including some that will surprise you. This book gives you what you need to seize those opportunities. It goes beyond basic, generic job primers to include:* Advice on college and curriculum choices--courses, internships, and more* Tips to energize your job search* Profiles of real graduates, their jobs, and how they got them* Up-close and professional input from a publisher, journalist, speech writer, librarian, and literary agent* Overviews of typical salary levels, hours, and work environments* Extensive additional resources including Web sites, professional organizations, periodicals, and moreWith practical information plus enlightening perspectives from professionals who have already put their English degrees to work, What Can You Do with a Major in English? helps you determine the type of job you really want. Then, whether you're just starting college, close to graduation, or already in the workforce and looking for a more rewarding position, you can make decisions that will speed you toward your career goals.
The Ugly Truth about Small Business 50 Things That Can Go Wrong and What You Can Do About It - PDF
The Ugly Truth about Small Business 50 Things That Can Go Wrong and What You Can Do About It - PDF
نویسندگان: Ruth King خلاصه: Being an entrepreneur is scary. According to the U.S. Small Business Administration, more than 50 percent of small businesses fail in the first year and 95 percent fail within the first five years. And often, the future of the business can ride on one crucial decision.The Ugly Truth about Small Business is a collection of stories and lessons from 50 entrepreneurs who faced crises in their businesses. A unique business inspiration book, The Ugly Truth about Small Business tackles head-on the problems entrepreneurs face:--We didn't know if anyone would show up--My customer wouldn't pay us--I lost 25 percent of my business in one day--Do what you believe despite the oddsEach story ends with the lessons that each entrepreneur took from their experience, and how to apply that to any business. A great self-purchase or gift that tomorrow's leaders need as they start up today.
Negotiate Like the Pros: A Master Sports Negotiator's Lessons for Making Deals, Building Relationships, and Getting What You Want - PDF
Negotiate Like the Pros: A Master Sports Negotiator's Lessons for Making Deals, Building Relationships, and Getting What You Want - PDF
نویسندگان: Kenneth L. Shropshire خلاصه: If you're looking to build your deal-making chops, there is no better school than the world of professional sports. Few authors are as qualified to guide you through that rough-and-tumble terrain as Ken Shropshire. From the Fortune 500 to the NFL, from Don King to big city mayors, Ken has negotiated major sports deals across the country and around the world. He's also one of today's most sought-after negotiating coaches, with clients ranging from the National Collegiate Athletic Association to IBM. In Negotiate Like the Pros, Ken tells the stories behind some of the most sensational sports deals of all time and extracts powerful lessons from them on the skills you need to master to become a top-notch dealmaker. You'll learn how to: Prepare and Set Agendas: Peter Ueberroth's negotiation with Fidel Castro during the Soviet boycott of the '84 Olympics Know Your Negotiating Style and Play to Your Strengths: Why NFL coach Bill Walsh stresses sticking with your style Set Goals: the $60 million deal Daiuske “Dice-K” Matsuzaka cut with the Boston Red Sox in 2006 Leverage: from the astonishing three-way negotiation between Muhammed Ali, George Foreman and the President of Zaire that Don King used to pull off “The Rumble in the Jungle” Build Relationships: Yao Ming's move from China and David Beckham's $250 million deal with the Los Angeles Galaxy You also get a wealth of insider tips, tricks, and skill-building tools to help you develop a highly-effective, systematic approach to deal making. Whether you're a fanatic who sees the world through sports-colored glasses, or a casual observer who wants to learn from some of the toughest, shrewdest dealmakers in any industry, this book will teach you how to Negotiate Like the Pros.
Why Do You Ask?: The Function of Questions in Institutional Discourse - Original PDF
Why Do You Ask?: The Function of Questions in Institutional Discourse - Original PDF
نویسندگان: Alice Freed, Susan Ehrlich خلاصه: The act of questioning is the primary speech interaction between an institutional speaker and someone outside the institution. These roles dictate their language practices. "Why Do You Ask?" is the first collected volume to focus solely on the question/answer process, drawing on a range of methodological approaches like Conversational Analysis, Discourse Analysis, Discursive Psychology, and Sociolinguistics-and using as data not just medical, legal, and educational environments, but also less-studied institutions like telephone call centers, broadcast journalism (i.e. talk show interviews), academia, and telemarketing. An international roster of well-known contributors addresses such issues as: the relationship between the syntax of the question and its discourse function; the kind of institutional work that questions perform; the degree to which the questioner can control the direction of the conversation; and how questions are used to repackage responses, to construct meaning, and to serve the institutional goals of speakers. Why Do You Ask? will appeal to linguists and others interested in institutional discourse, as well as those interested in the grammatical/pragmatic nature of questions.
Parenthood by Proxy: Don't Have Them If You Won't Raise Them - PDF
Parenthood by Proxy: Don't Have Them If You Won't Raise Them - PDF
نویسندگان: Laura Schlessinger خلاصه: Children's welfare is the driving force behind Dr. Laura Schlessinger's mission. A devoted mother to her son, Deryk, she identifies herself as ''her kid's mom'' because that's her most important job. Never one to shy away from tough truths, Dr. Laura marshalls compelling evidence for the widespread neglect of America's children and convincingly condemns the numerous rationalizations to excuse it. Parents, special interest groups, and professionals in education and psychology all contribute to a dangerous trend that places adult fulfillment above obligation to children. Parenthood by Proxy addresses the serious causes and effects of this national crisis, among them the high rate of divorce, serial marriages, single parenting, the premature sexualization of children, dual-career families, disdain for religion, the redefinition of immoral behavior as lifestyle choices, and societal intolerance for the concept of judgment. In Parenthood by Proxy, Dr. Laura exhorts parents to make their own children their top priority and, if necessary, to change their lives to do so. In her inimitable, straight-shooting style, Dr. Laura entreats parents to involve themselves in their children's hearts, minds, and souls, to cherish and protect them, and to commit to the essential task of teaching them right from wrong. She acknowledges that parents no longer get much support from neighbors or public and private institutions, but she urges mothers and fathers to work even harder to counteract the prevailing culture of selfishness and irresponsibility. Parenthood by Proxy covers all aspects of parenting, from childbearing to discipline, from multiple families to being role models. Dr. Laura also tackles such cultural and societal concerns as abortion, modern sexuality, drug and alcohol use, violence, discipline, and a child's right to privacy. Parenthood by Proxy is a passionate and provocative summation of the perils of parenting and a road map to safety for America's families.

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