Kamis, 27 Februari 2014

Unique coverage of both Verilog and VHDL

The review about this product

This book is a unique text on several levels, providing information rarely found in most academic treatments of the subject targeted at beginning students.

It covers and compares VHDL and Verilog impartially, describing their differences, strengths and weaknesses.

It has side by side VHDL and Verilog code - if you know one language, this is an excellent reference to the other language. My copy of the book was used by several engineers to cross train themselves in Verilog or VHDL.

Code is given for practical, real world circuits. From multiplexers to FSM to ALU, it is all in there. Each "class" of circuit is given its own chapter and covered in depth. The FSM chapter is 74 pages, for example.

There are many illustrations of the resulting synthesized logic. A picture is worth a thousand words, and seeing the result of different coding styles is very instructive. For example, coded one way, you get asynchronous resets, coded another, you get synchronous set/reset on your flipflops.

Beyond just a cookbook of VHDL and Verilog reference code, the book does cover such topics as scan test structures, simulation, hierarchial design, but these topics do not receive an in-depth coveraqe. There is an entire chapter dedicated to writing test harnesses, again with side-by-side code for VHDL and Verilog.

My copy saw use in multiple real world projects, by multiple, experienced engineers. It was most often used by VHDL (or Verilog) experts to learn Verilog (or VHDL). It was also used as a reference for coding particular structures. Quickly providing the answer to questions like "how do I code a carry lookahead in Verilog?" Eventually, I had to stop loaning it out as the pages began to fall out from the high volume of use. Unfortunately, it is no longer in print, so I have to use it very carefully, and coworkers are forced to struggle with inferior texts for reference.

Reviews About Investing in the Age of Sovereign Defaults: How to Preserve your Wealth in the Coming Crisis (Hardcover)

The review about this product

Customer review from the Amazon Vine Program (What's this?) I didn't understand after reading this book thoroughly how Wong's contributions (mainly tables showing historical metrics for bond credit) related. I doubt anybody desiring to read the essay will have an interest in the added metrics that should be paired with a different type of book.

The author has a lot of interesting things to say about the world. He's more conservative than Jim Rogers although he believes inflation will eventually arrive in a big way.

A lot of people will benefit from the author's viewpoints and explanations. He is almost violently opposed to the welfare state.

Selasa, 25 Februari 2014

Free College Resource Book

Its a review about this product

As a parent of an eleventh grade student, I am eager to learn all I can about saving money on college expenses. I was intrigued by the fact the authors of FREE COLLEGE RESOURCE BOOK put five children through college at no cost to them. I thought these authors must know lots of money saving secrets. I was not disappointed.

FREE COLLEGE RESOURCE BOOK is more than a listing of scholarships. The first section takes the time to get your child thinking about a career path. It also covers the importance of your child being a well rounded individual so they are more appealing to scholarship sponsors.

Along with finding money, this book gives tips on writing essays, handling interviews, and choosing the right college. Students are encouraged to keep a journal and organize brochures, letters, etc., in an easy to find system. FREE COLLEGE RESOURCE BOOK is a valuable resource for college bound students and their parents.

Numbers behind what I have heard and felt

The review about this product

I am included in what I believe most will find shocking from the survey results in Friedman's book; the number of students that responded that they planned to have or adopt children dropped almost in half between the 1992 and 2012 surveys. These results suggest that since 1992, the subsequent generation (a.k.a., the Millennials) have started to opt out of parenthood to focus on their careers. Basically, Millennials struggle to see how to make career and family work.

Friedman does a fantastic job laying out the data driving this drastic drop in a desire to have children. Below I have highlighted a few:
1. The perceived number of hours in the work place has risen by 14 hours per week from 1992 to 2012.
2. Students are exiting college with more student loan debt, and cannot foresee paying it off in time to have a family.
3. The Millennials are questioning the purpose of having children if you cannot be there to raise them.

A quote from a student, which resonated with me from the book:
"This idea of growing up and having to figure out whether career is the most important thing or family---especially as a woman, I feel like I might have to make a decision at some point that I don't necessarily want to make."

And like anything worth fixing, it is complex.Friedman lays out a wonderful vision for how "We Are All Part of the Revolution". Some of my personal favorites are below:
Make Family Leave Available
Provide World-Class Child Care
Revise the Education Calendar
Slow Careers (akin to the Slow Food movement)
Men Leaning in at Home
Giving Individuals the Tools and Support to Choose the Lives They Want
Friedman references a system he implemented at Ford Motor and wrote a book about titled Total Leadership: Be a Better Leader, Have a Richer Life.

However, I would like to mention www.LeaveLogic.com who is also doing their part by giving families the process and tools they need to plan their maternity leaves and reentries into their careers.

In summary, this book is one of those books that energizes me and tells me that these problems are real and that there is hope and need for change. I am grateful that Stewart Friedman has done such a wonderful job bringing data, arguments, and a vision for the current and future families of America.

Senin, 24 Februari 2014

Reviews About The Complete Cheapskate: How to Get Out of Debt, Stay Out, and Break Free from Money Worries Forever (Paperback)

The review about this product

This book is wonderful! I read it last night, and have already begun some of the steps she recommends. Between credit cards, personal loans, and student loans, we owe nearly $48,000. I have been attempting to do my own version of a debt reduction plan, but by making sporadically large payments, amid minimum monthly payments--now I understand that it makes more sense to gradually increase payments on one debt until it is paid off, then to add that amount to the next debt, and so on...My husband and I will be completely debt-free--including Student Loans!--by the end of 2004!

Sabtu, 22 Februari 2014

Reviews About Proceed With Caution: A Diary of the First Year At One Of America's Largest, Most Prestigious Law Firms (Hardcover)

The review about this product

This book does a great job of informing people in high school, college, and anyone else thinking about going to law school what practicing law in a prestigious law firm is actually like. The book is an easy read because each chapter begins with an entry from the author's journal, and then focuses on a particular aspect of a large-firm legal practice. The journal entries provide startlingly personal and realistic insights into a top lawyer's lifestyle, while the chapters describe what lawyers really do on a daily basis. The book effectively offers the information that people need in order to make an informed decision about whether to go to law school.

Reviews About Pan and the Nightmare: Two Essays (Paperback)

The review about this product

This is one of the best of Hillman's books I have ever read. "Pan and the Nightmare" was first recommended to me while I was taking a psychology course at the New School for Social Research's distance learning program. The book was out of print, so I had to secure it through inter-library loan. I have developed an appreciation of the writings of James A. Hillman of all of the Jungian psychologists. He has helped me to develop an insight into some areas of archetypal analysis that had seemed so difficult when I read the writings of other authors. Although the readings of Carl G. Jung are the classics of analytical psychology, for me it took a writer of the stature of Hillman to make sense of many of the concepts and psychological constructs of Jungian psychology.
Technically speaking, this is a series of essays expounding on Wilhelm Heinrich Rocher's (1900) monograph "Ephialtes: A Pathological-Mythological Treatise on the Nightmare in Classical Antiquity," a treatise on Pan and the demons of the night. I have learned in reading other works of James A. Hillman that it is very important to read the Preface. In this case, there is no preface as such, but I feel that the tone of the whole work is encapsulated in the first chapter "The Psyche's Return to Greece." This is a return to Greece in an imaginal or archetypal sense, returning to the archetypes of Greek mythology that our "Hebrewism" or Christianity [monotheistic tradition] enjoins us to ignore. The Hellenism about which Hillman writes embodies an archetypal framework for working with the images, feelings, and moralities we live with on a daily basis. It is through the return to Greece that we rediscover the archetypes of our psyche and culture - it is a personal revelation.
The third chapter, "Pan, the Goat God of Nature" goes further to outline the archetypal theme of much of what we are not willing to accept in our nightmares and in our own unconsciousness. As civilized people, we concentrate on the "civilized" often ignoring, repressing, and disowning the "instinctual" nature of our psyches and souls. Yet, even as we ignore and repress that part of our being, it comes back to us in our dreams and nightmares. Hillman further develops this theme in discussing matters such as nightmare panic, masturbation, rape, instinct, and synchronicity.
The quality of the scholarship shown by Hillman is extraordinary. He makes full use of his credentials as a classical scholar, neo-Platonist philosopher, and leading Jungian psychologist. I was pleased that Rocher's 1900 monograph was included with "Pan and the Nightmare," and I feel that it is of particular interest to scholars to be able to make use of Rocher's text in developing a more complete understanding of Hillman's work. I would recommend this book for students of Jungian psychology, as well as for those students studying both psychopathology and history and systems of psychology.

Kamis, 20 Februari 2014

You, and The Credit Card's Triangle of Debt

Its a review about this product

Credit Card Nation The Consequences Of America's Addiction To Credit (Hardcover) Credit Card Nation is a scathing, pithy,concise indictment on our consumption- driven society, a society in which the average savings rate is now MINUS 1-3% (!),the smallest savings rate of ALL the other "1st World" countries.
Corporations hold sway in Congress, regardless of who is/are in power.. Why, for example, would Joe Biden do his best to slam the Bankruptcy Bill through Congress, ridiculing all opposition ? Perhaps because Mr.Biden's greatest contributor is MBNA, one of the largest credit card companies in the country ,situated in Deleware, Mr. Biden's home state.?..But, then, credit card companies were among the largest contributors to Bill Clinton as well as to George Bush as well as to Al Gore , as well as to... so that no matter who "wins", they win. Brilliant !
Rigorously disciplined as a sociologist, Mr. Manning weaves a fascinating historically researched tale of cause and effect, combining many complex issues into one comprehensive whole. This is a monumental achievement of simplicity,done with humour, tact, and scrupulous research.
Credit card companies and their allies, the banks, have done their best to discredit Dr.Manning's research, with little effect,( except perhaps for a few canned reviews, like the one from Publisher's Weekly, which thinly veils the fact that the writer never read the book! )Up to now, it is unimpeachable,and it stands, not one comma displaced.
Who would benefit from this book? Everyone: Millionaires, students, bankers, housewives and husbands,those starting out and those planning retirement.Unionized workers should be among those who should take the greatest interest in this book, as well as those planning their financial futures.
It is important that we all know how our lending institutions work and WHY they work that way, their incentives and their disincentives to change. It is important that we all know how this evolved over time, fueled by the junk bond craze of the eighties, and the enormous profitability of the short-long-term debt of credit cards, coupled with the repudiation of our Puritan's frugal heritage, and its concommitant restraint.
Why can students without jobs get credit cards while retirees with impeccable work and credit histories cannot? Some of the answers to some of these questions may be discussed on Mr. Manning's informative web site: Creditcardnation.com. As the economy slows down, it can only be surmised as to what the upcoming freefall will produce, for unlike what lenders may like us to believe, the vast majority of borrowers do not go to Las Vegas or to Milan, nor are they frivolous in their expenditures. They pay (and pay and pay and pay )for unexpected items such as a car repair or a Hospital stay, or a divorce..
Mr. Manning's book in no way is a how-to book to repair one's credit, but it surely will go a long way to making so many complex issues comprehensible today, and fun to learn !
Even though this is a highly readable and amusing book, it is also teeming with a massive amount of information. Any chapter could easily emcompass several volumes, at length, and only one chapter is devoted to college age debt.
As both the Republicans and the Democrats are eager to hear from Dr. Manning,perhaps some consumer friendly legislation will result. For those who think that this is a book about student debt, you haven't read the other nine chapters...
Since this book is not just about credit's place in our society, but rather about the underpinnings ,fibre and structure of our society today , and how it got to be that way,I can only say, like so many before me, ( Was if first Heroditus ?) that those who fail to learn from history are doomed to charge their way through it.
To me, this is likely to be the most important book in this first decade of the 21st century, and it will become increasingly so, as the economic situation worsens.
As our parents and grandparents drummed their litanies into our heads of a penny saved is a quarter earned, and save for a soggy day,it is also true that taking care of ourselves, our families and our communities requires forethought, knowledge and patience. We could also use a good road map !
I believe that this book leaves you well on the road to fiscal responsibility; it may even effect policy in Washington... A timely book of great substance, written with tenacity, integrity and humor ! May it inspire us to take up our financial crosses and walk ... with zeroed balances on our credit cards- the only and quickest no interest loan in town ! Amen.

Essential Dictionary for translators...

Its a review about this product

I needed an equivalent to the Webster's English Dictionary, and this purchase has provided a easy to use and complete lexicon to help me in understanding the spoken and written language of the Luzon region. So far, there aren't too many words which I haven't found in it. Most of my friends here in the states speak Tagalog so I needed to have a resource at hand to learn the language of my in-laws here in the states.

Rabu, 19 Februari 2014

An excellent book!

The review about this product

I bought this book while planning my wedding in 1996, and found it invaluable! Yes you have to do some work, but what do you expect when you want to save money? Not all the ideas are for everyone, of course, but you can use whatever works for you and skip the rest -- if the photographer is important and the cake is not, splurge on the photographer and go cheap on the cake!
I like that the author doesn't try to talk you out of having a beautiful wedding, but rather fits the beautiful wedding into whatever budget you have. I love her idea for a Christmastime wedding, and I almost wished I was getting married in December so I could have used it!

Selasa, 18 Februari 2014

Reviews About Get a Financial Life: Personal Finance in Your Twenties and Thirties (Paperback)

The review about this product

This book served me well as an introduction to the fundamentals of personal finance. By following each step before moving on to the next, "Get a Financial Life" helped me formulate a financial plan and make it a reality. I repaired my credit, bought my first house, paid off my student loans, eliminated my credit card and automotive debt, and created a way to save/invest 28% of my gross monthly income. It required a few years of sacrifices on my part, but I credit this book with teaching me the "how, what, when and whys" of financial freedom.

Senin, 17 Februari 2014

Reviews About Consumer Bankruptcy: Fundamentals of Chapter 7 and Chapter 13 of the U.S. Bankruptcy Code, Third Edition (Kindle Edition)

The review about this product

These cases of successfully discharging student loan debt in bankruptcy should be included:

1. Michael Eric HEDLUND v. The Educational Resources Institute Inc. et al., case number 12-35258, in the U.S. Court of Appeals for the Ninth Circuit (May 22, 2013);

2. In re Robert Jacob SCOTT and Sarah Jane Scott, Debtors. Robert Jacob Scott and Sarah Jane Scott, Plaintiffs v. U.S. Department of Education; Educap, Inc., The Education Resources Institute (TERI), et. al, Defendants. Bankruptcy No. 07-14317. Adversary No. 07-01367. United States Bankruptcy Court, W.D. Washington, at Seattle. September 25, 2009;

3. Christian D. MENDOZA, Chapter 7, Debtor. Christian D. Mendoza, Plaintiff,
Educational Credit Management Corporation; Hemar Insurance Corporation of America, Defendants. Case No.-01-53238-MM. Adversary No. 01-5283. United States Bankruptcy Court, N.D. California. June 20, 2007; and

4. In re Lorna Kaye NYS, Debtor, Educational Credit Management Corporation, Appellant, v. Lorna Kaye Nys, Appellee. No. 04-16007. United States Court of Appeals,
Ninth Circuit. Argued and Submitted February 15, 2006. Filed April 26, 2006. 446 F.3d 938.

The Hedlund (2013) and Scott (2009) cases are very significant, they exemplify healthy, working, student loan debtors in their 30s who successfully discharged most of their student loan debt.

Minggu, 16 Februari 2014

Reviews About A Story of Debt (Kindle Edition)

The review about this product

I'm a huge fan of personal stories about paying off debt and was so glad to find Ashley's. It's a beautifully written "real-time" account of her journey towards freedom from the credit card debt she had accumulated as a grad student. If you're looking for motivation to budget, to get your finances under control, to change your attitudes towards spending and shopping - or just for a great read - you'll definitely want to pick this book up for your Kindle. Highly recommended.

Sabtu, 15 Februari 2014

Reviews About How to Wipe Out Your Student Loans and Be Debt Free Fast: Everything You Need to Know Explained Simply (Paperback)

Its a review about this product

How to Wipe Out Your Student Loans and Be Debt Free Fast proves a valuable resource for both the incoming college freshman and the student graduating with a degree, entering the workforce and trying to balance a budget while paying off debt. The publication positively but realistically outlines the steps students should take before, during and after college to secure loans and pay them off.

Handy "Savvy Student" sidebar tips that share hints on topics like co-signing info plus special "Case Study" sections with real-person testimonials make the book an informative, friendly read. Martha Maeda discusses everything from scholarships and the FAFSA to unique ways to try to pay off principles and smart budgeting techniques. How to Wipe Out Your Student Loans and Be Debt Free Fast is a great handbook for any student to have in his or her arsenal.

Kamis, 13 Februari 2014

Reviews About The Guerrilla Guide to Mastering Student Loan Debt: Everything You Should Know About Negotiating the Right Loan for You, Paying it Off, Protecting Your Financial Future (Paperback)

The review about this product

The Guerrilla Guide to Mastering Student Loan Debt: Everything You Should Know About Negotiating the Right Loan for You, Paying it Off, Protecting Your Financial Future (Paperback) There is a common theme among college students these days, and those who have attended and quit as well as those (un)lucky multitudes who have graduated. Sometime during the senior year of high school, application forms to colleges are sent in, and admissions and rejection notices are sent a few months later. Along with the admissions forms comes another little form detailing the amount of aid that is extended by the college to the prospective freshperson. This is where all the fun begins, and it quickly snowballs into a pernicious form of indentured servitude.

Ms. Stockwell's book details in painful precision just what happens when a pimply-faced kid signs on the dotted line. First she begins by relating her own experience, and then she delves into the experiences of others. Along the way, she shows how many of us got into the student loan mess, how the financial aid system has evolved (or is it mutated?!) into the monstrous behemoth that it is today (actually at the time she wrote the book), some coping strategies (for it really can't be called anything else) for the inevitable missed payments and default, and finally some suggestions on how the system can(but will not ever) be fixed.

We live in an age of educational opportunity. Anyone with some combination of motivation and money can attend college. Indeed, attendance at college has become necessary in some professions just to keep pace. At any rate, it is a tremendous achievement that folks from just about all walks of life now have the chance to attend college.

However, this does not mean that the powers-that-be have made attendance easy or even free. There is a rather sinister catch attached to the proposition, and it always requires people of limited means to devote years of their lives and of their professional livelihood to servicing some form of debt burden. I have to agree with the author, who said that the best thing to do is to say NO! to all forms of debt- from student loans to credit cards to auto loans, as they all tend to lock you into cycles from which frankly there may be no escape.

This leads into another part of this sinister situation of Faustian proportions. Not long after the freshperson has signed on the dotted line, and just a few short weeks after parking his or her carcass in a smelly, roach-infested dorm room, the credit card people come calling. There literally seems to be a deluge of credit card applications arriving one after another in the mailbox. (However, these days, I have been told by more than a few distressed parents that the card companies don't even wait till the brats have donned their caps and gowns for high school graduation.)

Finally, sometime before college graduation, typically during the beginning of your senior year, some auto company like General Motors comes around and offers to 'help out' the soon-to-be graduated. It seems that they know you are looking for a job, and wouldn't it make a good impression on prospective employers if you rolled in a nice, shiny new car that shows that you are a professional and that you mean business? Fixing you up would be no problem at all- just sign here on the dotted line, and you'd better hurry, as there are only a limited number of this year's model left. Oh and uh, did I forget to mention that there's a really low 2.9% APR and uh, no payments for the first year?

In my mind, there is absolutely no doubt that there is a great deal of collusion between universities, credit card and auto companies in the ongoing mess of indebtedness seen among recent grads and post-grads. Here's a friendly tip: most aid packages have some combination of grants, work study and loans. You can negotiate the combination of the aid you receive. I strongly suggest that you negotiate to get as much work study as possible, and leave the loans, especially the Stafford Loans, as an option. It's what I did, and it meant the difference between finishing with a lot of debt (or not finishing and with a lot of debt as has happened to many acquaintances) and finishing with little or no debt. Too many friends of mine are broke, out of work, living in their parents' basement and have turned dodging dunning notices from student loan companies and collection agencies into a practiced science.

Anyone that is contemplating going to college should read this book. Although I must concede that the book is a a little dated, as there have been some significant changes in the student loan picture in the last six or seven years or so, it does precisely show the progression of events that do occur when one gets overwhelmed with student loans.

Yet, much of the debt mess we see among many students is indeed voluntary. No one is forcing kids to max out credit cards and purchase one (or more) cars before they graduate, but then no one is championing the cause of caution either with any form of credit. Many kids are not simply graduating in debt, they are now matriculating into debt in droves. Please note that all of this comes before contemplating the thorny proposition of a home mortgage!

In sum, in this age of job insecurity and galloping price increases, people need to know the risks when fooling around with any form of credit. I take my hat off to Ms. Stockwell, who had the courage to call attention to this clever ploy to re-institute feudalism among the masses.

All hail King George!

Rabu, 12 Februari 2014

Successful discharge of Student Loans in Bankruptcy

The review about this product

These books should include a reference to the many sucessful discharges of student loan debt in bankruptcy:

1. Michael Eric HEDLUND v. The Educational Resources Institute Inc. et al., case number 12-35258, in the U.S. Court of Appeals for the Ninth Circuit (May 22, 2013);

2. In re Robert Jacob SCOTT and Sarah Jane Scott, Debtors. Robert Jacob Scott and Sarah Jane Scott, Plaintiffs v. U.S. Department of Education; Educap, Inc., The Education Resources Institute (TERI), et. al, Defendants. Bankruptcy No. 07-14317. Adversary No. 07-01367. United States Bankruptcy Court, W.D. Washington, at Seattle. September 25, 2009;

3. Christian D. MENDOZA, Chapter 7, Debtor. Christian D. Mendoza, Plaintiff,
Educational Credit Management Corporation; Hemar Insurance Corporation of America, Defendants. Case No.-01-53238-MM. Adversary No. 01-5283. United States Bankruptcy Court, N.D. California. June 20, 2007; and

4. In re Lorna Kaye NYS, Debtor, Educational Credit Management Corporation, Appellant, v. Lorna Kaye Nys, Appellee. No. 04-16007. United States Court of Appeals, Ninth Circuit. Argued and Submitted February 15, 2006. Filed April 26, 2006. 446 F.3d 938.

The Hedlund 2013 case is huge, it clearly expands the law in favor of student loan debtors who reside in the nine western states. Both Hedlund and Scott were in their 30s, healthy and employed and they successfully discharged most of their student loan debt in bankruptcy.

You might also include the prospective of the excellent book Bankrupt Your Student Loans and Other Discharge Strategies, 2nd Edition (2006), by Chuck Stewart, Ph.D., publisher Stewart Education Services. This book makes the case that the Department of Education will significantly reduce a debtor's student loan debt, in an out of court settlement, if the matter is brought to bankruptcy court. Dr. Stewart's own case can be found at California Central Bankruptcy Court case LA04-19681ER, filed August 2004.

You might also consider mentioning the following recent law review article and its findings An Empirical Assessment of Student Loan discharges and the Undue Hardship Standard, by Jason Iuliano, Ph.D., September 25, 2012, American Bankruptcy Law Journal, page 495 Vol. 86.
Dr. Iuliano's law review article is nicely summarized by the article by Steve Rhode, published in the Huffington Post on January 7, 2013. 4 Out of 10 Actually Were Able to Discharge Student Loans in Bankruptcy -- But Most Never Try.

Get this book BEFORE you get the loan!

Its a review about this product

There are lots of different Student Loans, and they all have different rules. Not all of them will forgive your loan if you go into teaching, and not all of them will let you wait until later to start repaying them.

This book is readable in a couple of hours, and describes all the loan types, how the repayment methods work, and a lot of the pitfalls you can fall into by listening to "common wisdon" -- or sometimes even to the loan officer! The book does NOT describe how to get the loans in the first place, but has references to good sources for that part.

If you are heading to college and will need a loan, or if you are the parent of a student who will, get this book before you get the loan, and make the whole process a "non-event" instead of a nightmare.

Selasa, 11 Februari 2014

Perfect As a Gift for the Lawyer or Lawyer-to-be in Your Life!

Its a review about this product

Each year during the holidays my husband's law firm has their annual holiday party and hosts a gift exchange. One of the requirements of the gift exchange oddly enough is that the item you bring must be under $10. This was perfect! I purchased it on sale and was able to bring two for the party. It was an instant hit with every attorney & spouse at the party.

Some of the more hilarious aspects:
- The "Diploma" that includes the details of the "prestigious boxed institution".
- The "Compare and Save" list that shows the savings compared to Harvard, Duke and Yale.
- The "Heroes of the Courtroom" trading cards that show not only a few facts, but make it funny.

Just like most products put out by Mental Floss this one is hilarious and factual. It's obviously not a "true" training course, but even soon-to-be lawyers may appreciate a new way of looking at information that has no doubt become boring and overdone. I highly recommend this as a gift and know from personal experience that it would no doubt be a huge hit in a room full of attorneys!

Minggu, 09 Februari 2014

Chapter 7&13, means the bankruptcy court controls your debt repayment

The review about this product

Take Control of Your Student Loan Debt (Paperback) Bankruptcy:

1. Many former students consider filing for bankruptcy to get rid of their student loans. Filing for bankruptcy seldom forgives you from paying your student loan. The student loan is guaranteed by the government and the debt is usually not dischargeable. Before 1998, you get rid of student loan debt by filing bankruptcy, but Congress eliminated the seven year limit to debt forgiveness. If you can show extreme hardship to the bankruptcy court rare exceptions may be made for debt forgiveness. Undue hardship is defined as, your present income is not adequate to pay the loan payments and your potential earning will not change the situation. Poverty or Health handicaps could cause this situation. The courts do not define what is undue hardship, so the rule may be very subjective.
2. Most courts have held that a school must release college transcripts upon the act of filing bankruptcy.
3. Bankruptcy is not a process by which the court has your debt erased. To fill out for Chapter 7 bankruptcy, you fill out a two page petition and several forms describing your money, property, expenses, debts and income. Most states let you keep clothing, house furnishings, an inexpensive car, social security payments. A few states let you keep your house.
4. Chapter 7 bankruptcy puts into effect an automatic stay. The automatic stay stops your creditors from trying to collect what you owe them. The bankruptcy court is in control of your case file. The bankruptcy court is in legal control of your debts and the property you own, except for your exempt property. Nothing can be bought or sold without the permission of the court. You must obey the bankruptcy rules and conform to advise by the bankruptcy trustee. The trustee's primary duty is to make sure the creditors are paid.
5. If you pledge property for a debt, this is called secured debt. In most cases, if you default on the debt you will have to surrender the collateral or make arrangements to pay for it during or after bankruptcy. The creditor can record a lien on the property, claiming a financial interest in the property.
6. If you change your mind and want to dismiss the bankruptcy case , you can ask the court too dismiss your case. The court will decide whether to keep or dismiss your case. The court looks to see, if you have done harm to your creditors.
7. At the end of chapter 7 bankruptcy, your debts that are qualified are wiped out. You no longer legally owe these creditors.
8. Most student's seeking bankruptcy are forced into Chapter 13, reorganization bankruptcy, a more expensive option. In Chapter 13, you discharge most debts by paying all or a portion of them over period of time. If you have a regular income chapter 13 may be a good option. The minimum amount you must pay is equal to the value of your nonexempt property. You make payments for three to five years. In addition you must pledge your disposable income - net income less expenses. Chapter 13 stops your creditors from taking further action against you. During Chapter 13, interest and collection costs stop accruing, including wage garnishments, tax refund interceptions and lawsuits. In Chapter 13, you specify a plan on how your creditors will be paid. You will need to separate into classes the type of creditors and the priority of who gets paid first. One suggestion to pay all the unsecure debt an equal percentage.
9. Don't file for bankruptcy automatically. If you health keeps you from working and paying your student loans, you may qualify for a loan cancellation directly from the holder of the loan.

Loan Repayment Options:

1. You will be required to pay off your student loans. You may be able to postpone payment for a time, but after a maximum of three years deferment, the loan grind will resume.
2. Private loans offer fewer repayment options.
3. Your loan can be sold on the secondary market.
4. The best advices is, pay your loan off quickly.
5. Stanford loans have a repayment time period of ten years.
6. Standard repayment schedule or accelerated repayment have the lowers resulting interest accumulation. Other options and include higher interest accumulation. The gradual play start with a lower payment and increases every two to three years. The gradual plan ranges from ten plus years. The extended repayment plan, stretches your repayment time period to 12 to 30 years, resulting in an amazing amount of paid interest. The extended plan should be consider criminal in its oppressive interest burden on the unsuspecting victim. Extended repayment plans are available for most federal loans, PLUS loans, and Stanford loans. The Income contingent loan bases the monthly payment on annual income, family size, and loan amount.
7. Consolidation reduces your monthly payment, increase repayment time period, and compounds total payout.
8. If you borrow 20k, at 6%, $222 monthly payment for ten years, 6k interest paid . $20k borrowed at 8%, $243 monthly payment and 9k interest paid. If you borrow $50k at 6% for ten years, expect a $555 month payment and 16k interest paid. Borrowing $50k at 8% for ten years results in a $607 monthly payment and $22k in interest paid. Borrowing $100k at 6% for ten years results in a $1,110 month payment and $33k interest paid verses 8% and a $1,213 month payment with $45k interest paid.
9. Lenders are adapting to the rising number of student defaults.
10. Flexible payment plans are deceptively accommodating. Always make sure you get the total interest paid numbers from the loan officer.
11. Balloon payments are the most dangerous type of loan.
12. Earnings based adjusted loan reduce monthly payments, but extend the loan duration and charge more interest paid.
13. You can't run from your loans. If you default the Department of Education will get them and if it fails to gather monies, it will be given to a collection agency which will tack on 28%.
14. Extended Repayment plan: Suppose you owe $10k at 8% and extend to 15 years. Your cost of the loan will be $17k verses $14k.
15. Income contingent loan: You go to law school and borrow $55k at 8.25% and after graduation earn $24k. Your initial payments drop from $603 monthly bill to $271 monthly bill. By the end of the 25 year repayment period, your payments have returned to $603. You pay $146k verses $75k for standard.
16. Consolidate loan: You borrow $49k at 8.25% expecting a $600 month bill. The consolidated loan lowers your monthly bill to $411 per month. Over the next 25 years your total payout is $123k verses $90k.

Reviews About The Moral Compass of the American Lawyer (Hardcover)

Its a review about this product

The Moral Compass of the American Lawyer: Truth, Justice, Power, and Greed (Paperback) This book is interesting, it is like psychiatry for medical student. I urge to author to expand his work into other contemporary issue. For example, puncturing the legalese bluff used by lawyer to deceive lay people. We all engage the service of lawyer such as in mortgage loan, bank loan etc. but most of us has no idea what a contract really mean. The Lehman Brother Minibond has caused so much sufferings to bond holder especially the pensioner. One of the complaints was, nobody really understand those pages of legalese bluff drafted by lawyer.
Another interesting fact is the service of process etc. I would like to see this book expanded with more contemporary issues.

Sabtu, 08 Februari 2014

On-line just as helpful

The review about this product

Save your money if you simply need to learn how to do a particular geometric construction by Googling "geometric construction" and you'll find many informative sites, some with animated constructions. This book is impressive, well written and will be a good read over the summer when I have more time. I was in a pinch tutoring Honors Geometry and needed to quickly learn how to construct a regular pentagon. This books gives the proof and is pretty clear (once I'm not in a panic), but I googled and found a one-paragraph explanation which solved my immediate construction need.

Jumat, 07 Februari 2014

Passive vs Active living

Its a review about this product

The Cookbook Collector by Allegra Goodman is not at all about what the title might suggest. It is not about cooking; it is about studying cooking by reading instead of actually cooking. But it's not even about that either - it's about yearning for meaning in life, for something tangible, but finding oneself unable to get up and do anything about it. It's about getting stuck in our own inner mayhems, unable to act, to break free, to move forward. It's about being on the outside, looking in.

Longings - of love, of wealth, of answers, of meaning - plague the characters in the book, only most of the time they don't even realize that's the case. It's been at least a decade since I've read or watched Sense and Sensibility, the novel along which this story is loosely based. It is the tale of two sisters completely different in temperament and aspiration, five years apart in age but eons apart in personality, during the rise and fall of the early dotcoms pre- and post- 9/11. Only, we merge in and out of peripheral characters lives and viewpoints, to the point that the picture we have of the sisters, Jessamine and Emily, are mostly that of the men that love them, and so we are also left feeling we are on the outside, looking in, only seeing the surface of people and situations.

Goodman's language is liltingly poignant, insightful and highly quotable, with sentences like

"How sad, he thought, that desire found new objects but did not abate, that when it came to longing there was no end."
"He could read her face, even as she became a stranger to him."

The book also openly discusses wealth, young wealth, and monetary, financial motivations against spiritual, socially progressive motivations. However, it only discusses wealth from the point of view of the very privileged, very wealthy perspective. The closest we get to financial problems is at the beginning of the novel, Jess is a grad student - of philosophy, and doesn't happen to have $1800 lying around to buy her sisters stock. This is seen by her older, incredibly intelligent, highly successful and fantastically fortunate older sister as a failing on her part to grow up. Either my experience is drastically different from everyone else's, or it's a pretty normal thing for a 23-year-old graduate student to not have a substantial cash reserve in the bank. It's also pretty normal to have not 'grown up' by age 23. And so, while the actual acknowledgment of money as existing was nice, it fell quite flat in that in the end, and like The Social Network, it turned out to be a young millionaire's playground.

Emily's naivete, at 30 by the end of the novel, proved somewhat unbelievable, especially given that she is the CEO of her own company, graduated MIT, and is a multi-millionaire. Reality normally reveals itself in some form or another, through heartbreak, through betrayal by family or friends or lovers, even through things occasionally just not working out according to expectation - that has to happen, at least on some level, by the time you're 28, or 30. We all interact with humans, right? For Emily, reality never manages to even scratch her surface, apparently, until later. She has Jonathan, an Abercrombie, viciously ambitious and very unlikable boyfriend on the other side of the country, dealing with a similar dot com venture, and the relationship never quite makes sense, unless somehow the distance manages to mask true personalities.

My main point of bother with the modern plot was that as CEO of her own company in Silicon Valley, with Jonathan starting and running his company over in Boston, when they talk of the future, the only option to make the relationship work is for her to quit her job and move across the country to be with him. That the converse might occur is not an option. It is not discussed. It is not even mentioned as a point of contention. Even when she puts off moving, making excuses and dragging her expensively clad feet, even then, even in her own private musings, it is not once mentioned as a point of resentment. For such a successful, entrepreneurial, intelligent and "inventive" young woman, even as naive as she is colored, that the issue never comes up is a bit negligent in the plot development. At least include a fight about it, a logical, rational reason that it should be she that moves and not vice versa. But we, as readers, are not given that.

Despite my now seemingly heavy criticism, and despite the flaws I perceived, I actually enjoyed the novel, and was compelled to keep reading. The writing, the language, is superb. Lyrical. It captures much of the discontent and discomfort of that time, as well as the strange realization as youth merges with adulthood that life will never, ever be quite what we'd expected. The discussion of greed and wavering stock markets is all the more relevant after the crash of 2008. The dialogue is scripted, of course, but cleverly, meaningfully so. Because it's been too long since I've read S&S, I can't speak to the legitimacy of the comparison.

The themes are interesting, if not entirely fleshed out, due to the overabundance of character viewpoints in the first half of the book. The ending is satisfying on many levels. That the men somehow manage to take the focus away from the women, in a book about women, is a little strange - but in this world, the plot device might be a clever take on our current culture, and how little it differs from the societal limitations of Jane Austen's time - how far we've come and how far we haven't.

Kamis, 06 Februari 2014

Convenient, Presharpened Pencils for Forms, Games Etc.

Its a review about this product

These fish were bought for games at my son and daughter-in-law's baby shower. It had a Dr. Seuss theme so the colors worked well. They were pre sharpened and had erasers to fix mistakes saving me the chore of having to sharpen 144 pencils. The cost allowed kept me from worrying about collecting them at the end of the shower, and everyone appreciated that they fit nicely in a purse. They went well with the Dr. Seuss book look alike notebooks that were included in the goodie bags too. Being multicolored added to the theme, and added a lot of color to the tables.The pencils were delivered as promised,

Rabu, 05 Februari 2014

Reviews About H&R Block At Home 2012 Deluxe + State (CD-ROM)

Its a review about this product

I When you try to e-file your H&R Block At Home taxes for New York State, you get the following error:

We and the New York tax office are hard at work getting state e-filing ready for you. You’ll need a state update to e-file. Check for an update on or before [date]

where [date] is today or tomorrow. Every day H&R Block moves it back one day. There is apparently no customer support or vendor-supported forums. H&R Block gives no indication when it will be ready.

I wonder whether I made a mistake switching from TurboTax to save $10.

Senin, 03 Februari 2014

The product is very good but the packaging was bad

Its a review about this product

I like this product, it is very good, very tasty. It is a versatile product that can be served as is or combined with other foods.

However, I am very disappointed with the way it was shipped. Another item by the same manufacturer was shipped together with this one in one box with not enough packaging material to keep them from jostling about.

NINE of the twelve cans are dented (two of the 4 bean salad cans are dented).

The box had too much free room and one corner was open and had it needed to be shipped further, the contents would have fallen out.
As I said earlier, the product is good but order it by itself so a lazy packer doesn't just shove it into a box with other products with ONLY ONE strip of air pillow packaging material which was totally inadequate.

I still haven't decided if I will order it again. I had to discard one of the cans because both the top and bottom were dented so much a can opener could not be used.

Great Book - Achieveing Prosperity

Its a review about this product

Achieving Prosperity: A Realistic, Ethical Guide To Building Wealth (Paperback) This book is for any investor, new or seasoned. Concepts are simple, but sometimes forgotten by even the most disciplined investor.

There is no get rich quick scheme, but hard work and savings will get you there. The book outlines the impact of waiting to save for retirement, which many of us did or do. I focused on by off all my student loans after grad school, money that would have been better put towards my retirement or future. I paid off $50k in less than 4 years .... imagine what that would be worth today??

Ok, you get the point.

Minggu, 02 Februari 2014

Part of a Two-Book Financial Strategy

The review about this product

Cashflow Quadrant (Paperback) If you are going to read only one book this year, do NOT read this one. Find the time to read two books, because you need to read this book first and then read Robert Allen's "Multiple Streams of Income." "The CASHFLOW Quadrant" is invaluable in helping the reader understand the four quadrants of income and determining where he or she is and wants to be. It challenges the assumptions of middle-class investing and wealth generation and requires you to think critically about your approach to income and wealth. This book outlines broadly what you can do to move to the two right quadrants (where wealth generation is leveraged and you can be paid more than once for a unit of labor) and challenges you to make the journey. . . Allen's book then provides a wealth of ideas about how to generate the streams of income that produce income in Kiyosaki's right-hand quadrants. These books are perfect complements: Kiyosaki's to challenge and inspire the reader to engage in high-leverage income-generation activities, and Allen's to identify and implement these activities.

Sabtu, 01 Februari 2014

The Complete Diver is a must read for the Diving Enthusiast

The review about this product

I found the book to be well written and well published. Not sure if the one reviewer got a bad copy, but the quality of the book was as expected. The text was easy to read and informative. I had no issue with the physical quality of the book.

As far as the material, I found it to be informative. I have been diving for over 20 years and thought I knew the history of Scuba but the 1st chapters had multiple entries that provided new information. The style of writing is not dry but very entertaining.

The rest of the book was just as educational. I would not necessarily recommend it to the new diver because the wealth of information could be overwhelming, but if you have a strong love of the sport, I would highly recommend it.