Jumat, 18 April 2014

Must Have for Calculus

Its a review about this product

I would give this book gazillion stars ...!
I used to this book to pass first quarter of calculus.
True story, yesterday, which is the first day of winter quarter at my school, after doing my assigned homework of reading two sections of my Calculus textbook on integrals, I was about to drop the class and quit math. Took me 3 hours to read 10 pages of the textbook and all I got out of the textbook was "HUH!?"
Not wanting to wait in line to drop class, I read the chapter on intergrals from HOW TO ACE CALCULUS and immidiately I was "OH!!!". This book really make me not wanting to go back read anything from big caculus books that weight like a brick.
GET THIS BOOK! Even if you end up dropping calculus, you can still read this book for fun. Because this is actually FUNNY!

Kamis, 17 April 2014

Excellent! Handsomely bound and printed. Modern usage

Its a review about this product

14,000 most common English words. Furigana are small kana which lie above or alongside kanji to allow anyone who knows only Hiragana or Katakana to pronounce the kanji. Full of brief notes on Japanese history and culture i.e. the abacus is still commonly used today. Includes modern words like Internet.
Layout and typography is open and beautiful. The furigana are a little small, I might get a magnifying bookmark for mine.
Excellent for student of Japanese language.
Price is great too

Rabu, 16 April 2014

marketing plans in a nutshell

Its a review about this product

I recently purchased a copy of the Creating Winning Marketing Plans: Planning, Strategies and Objectives, after a loan copy from a friend was offered to me.
I consider this book is a 'must read' for all marketing students, and Sidney J. Levy has brought together a collection of gems from the various contibutors, and edited this book into an item you will want to keep a long-term reference.
The total coverage of the marketing mix, from objectives, swot analysis, segmentation, positioning, brand development, etc are well presented, and each chapter is a concise summary of the key points, allowing for your own development and research.
An excellent publication, well worth the money (even if it costs twice as much in Australian dollars)

Selasa, 15 April 2014

A devastating indictment of Chilean neoliberalism

The review about this product

This book contains an analysis of the economic and social effects of the Pinochet dictatorship by John Lear and Joseph Collins around 1990 and an epilogue by Stephanie Ronsenfeld from around 1994.
The authors show the effects of deregulation on all aspects of Chilean life. The public health system--which seventy percent of Chileans as of 1990 belonged to--has been rapidly defunded , farmed out to municipalities. Relatively few Chileans can afford the relatively new HMO-type companies whose primary focus is accomodating people who can pay the most i.e. the well-off. Thyphoid fever and Hepatitis rapidly expanded to epidemic proportions from the mid-70's until a decaded later--short term profit, absent government restraint, makes dumping industrial waste and chemicals into rivers into the water supply a reasonable cost-effective mean as does neglecting to ensure adequate sanitation standards in the food you sell. The government finally enacted some regulations in the mid-80's to try to roll back the epidemics. The authors point out the declining infant mortality rate, which neoliberal advocates point to with pride is, apart from the expanding birth rate in the upper classes, in large part due to "socialistic" government programs targeting new mothers and infants. The health of the infants and mothers after they conclude the program is, of course, another story. The authors show that Chile's privitization and municipilization of education has grossly skewed the benefits towards wealthy municipalities able to generate the resources and high-income students to be "self-financing."
They show that the privitized social security accounts are of scant benefit for a large number of Chileans who cannot generate enough income to meet their stringent minimum requirements. This great mass of people inevitably have to fall back on the scant package offered by the government which, combined with required government payments to those who retired before the early 80's when privitization was implemented, promises to bring severe fiscal probolems for Chile in the next few decades. They show that wages have stagnated or declined relative to pre-1973 levels--per capita income did not return to its 1970 level until 1989. They show that the monumental economic crises in the early 80's which admirers of Pinochet's economic policies like to forget, was very much due to the extreme neoliberal policies of the junta. In the late 70's Chile's economy took off. Tarrifs were eliminated, restrictions on foreign investment lifted and the Peso was pegged at 39 to the dollar, considerably overvalued. The result was a flood of ultra-cheap imports, mostly luxury items and little productive inbestment. The banks, freed from regulation, recklessly loaned out. Then at the end of 1981 all of the suddent there was recession in the U.S. and thus restriction of its market, capital flight, corporations and banks under enormous debt went under and the economy was on the verge of collapse. Pinochet took over the bankrupt banks and corporations using the resources provided by Chile's immensely profitable government owned companies to get back into shape and then sold them to his friends and foreign corporations at grossly undervalued prices. During this process some unkind critics labeled it--"the Chicago road to socialism"--government ownership was as high as it ever was during Allende's term--after the proteges of University of Chicago free market gurus like Milton Friedman who took over Chile's economic policy after 1975. The immensely profitable public companies then followed into the private sector, again grossly low prices.
The show that working conditions, wages and living conditions have largely gone down hill, helped enormously by Pinochet's extreme anti-labor policies. The rapid elimination of native forests and fisheries protends serious problems. Miss Rosenfeld points out that the democratic governments since 1990 have eliminated some of the harder edges of Pinochet's policies by increasing spending considerably for housing and other social services and increasing the minimum wage and have shown more success in narrow statistical indicators than he ever did. But the structure of his society is still more or less intact; Chile is still primarily an export-oriented economy, largely by exploiting non-renewable resources. Its over-reliance, for instance, of grape exports, the workers in whose industry are mostly temporary laboring under bad conditions and low wages, makes it very vulnerable to new competitors who are discovering more cheaper ways of production and can pay even lower wages. Government funding for research and development and funding of infrastructure before 1973 laid the basis for the industry's prosperity but since that time it has been eliminated.
The book is a little bit dated and I didn't understand one or two points but it is a very important book and, for an economics book, lucidly written.

Senin, 14 April 2014

Reviews About Longaberger: An American Success Story (Hardcover)

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I cannot give this book enough praise. The author goes into full detail of the things that he struggled with as well as his success stories.
He also shares his 18 Management Principles that can be used in any business.
When I first saw the book, I thought I don't want to read a book about baskets, but I am sure glad that I did purchase this book. It was the type of book that was very difficult to put down and you wanted to read every word.
Here is an excerpt I would like to share, "First, when you compete, don't focus on the compeition, instead, focus on how well you can do. Second, no matter what you sell, you're always selling yourself. Third, do't give up when people don't buy. After all, nobody sells 'em all."

Minggu, 13 April 2014

Reviews About How to Help Your Child With Homework: Every Caring Parent's Guide to Encouraging Good Study Habits and Ending the Homework Wars : For Parents of Children Ages 6-13 (Paperback)

Its a review about this product

This booked was loaned to me by the school guidance councelor because our daughter was having some problems in school. I wanted a copy for myself for future reference. Things are broken down into subject and are age appropriate. I like the question and answer sections in each chapter that helped me to see that my child was not the only one with this particular problem. It was helpful by giving you ideas that you may have never thought of. It covers just about every subject you could want (except foreign language). This is a wonderful book for parents of elementary and middle school students.

Sabtu, 12 April 2014

Reviews About Victor Padrini: A Novel of the United States Air Force Academy (Paperback)

The review about this product

Victor Padrini does a great job of describing the idiosyncrasies of the USAFA. Every military soldier is sworn to defend the constitution, but to functionally operate, the military must strip away its soldier's constitutional rights. This irony is magnified when you look at USAFA. Pizzamenti's book shines some light on the situation in a philosophical manner while providing the reader with several humorous antidotes along the way. Without a doubt, the only book that shows the real USAFA. Anyone who says differently followed all the rules or f'd over their classmates.
Coop

Kamis, 10 April 2014

Reviews About Painting Better Landscapes: Specific Ways to Improve Your Oils (Paperback)

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I bought this book years ago and I continue to come back to this book years later. It's full of good and useful information. Kessler lays out the basics well and provides good solid information for constructing good landscape painting. Her book is a great reference for when I run into problems or am not sure of what I'm seeing when I'm painting. Kessler and John Carlson are the two best books on painting landscapes that I found.

Reviews About Debt-Free by 30: Practical Advice for the Young, Broke, and Upwardly Mobile (Paperback)

The review about this product

My husband purchased this book for us about 2 years go. We read it in less than a week - an easy read as others have already mentioned. To say the least, we found this book motivating. After we read it, I made a spreadsheet of our debt - including who we owed, how much, the interest rate, and a schedule of how soon/or not we would pay it off making various payments. (To put it into perspective, we owed over $15K in credit card debt). We called each credit card company and got them to lower our rates. The one that didn't, lost all of our money. We transferred it to an introductory 0.00% credit card instead. We then started with the highest debt/highest interest rate, and worked our way down to the last of the credit cards from there. It took us about a year and a half to get it paid off, but it was worth the wait. Here we are less than a year from paying off our credit card debt (keeping only auto loans and a student loan as debt) with thousands of dollars in our savings account. We pay cash for everything we purchase, and seriously consider our purchases before making the transaction. Our lives truly changed after reading this book. This book will be our future gift to college grads.

Rabu, 09 April 2014

Reviews About The Student Loan Scam: The Most Oppressive Debt in U.S. History - and How We Can Fight Back (Hardcover)

The review about this product

Alan Michael Collinge has written a shocking indictment of the student loan industry. He exposes the lack of standard consumer protections that have created debtor's prison for hundreds of thousands of students who borrowed money with the hope of a better future. I literally could not put this book down.

Anyone who is struggling with student loans should read this book. Parents who are sending their children off to college should read this book before they allow them to sign a single loan document. And most importantly, legislators should be reading this book.

I am recommending The Student Loan Scam at every opportunity.

Selasa, 08 April 2014

Reviews About Outrage: How Illegal Immigration, the United Nations, Congressional Ripoffs, Student Loan Overcharges, Tobacco Companies, Trade Protection, and Drug ... Ripping Us Off . . . And What to Do About It (Hardcover)

The review about this product

This is an excellent, fact-filled, public record of how your elected officials behave in office. This book should motivate everyone to get out & vote. Especially to vote them out of office. Why we're letting these people stay in office at all is beyond me. If we don't wake up and get more involved we deserve whatever government we get. This is a MUST read for anyone who even remotely cares about what our elected officials do.

Minggu, 06 April 2014

All Over the place with an excess of general examples

The review about this product

I checked this book out from the library before purchasing and I was very relieved I did not buy it. This book gives endless examples, however it does not inform you of the process before saying things like "and now Kyle makes $90,000 a year." He simply jumps to that part tells you what the person does and how much money they make. I notice the examples were usually followed by the person getting fired or laid off and then the person went on some extravagant vacation where they decided that they were going to start up this random business. They suddenly update their websites and magic they make thousands that same day! There is so much more that happens before this but he only informs the reader of when they were fired and that they went on some vacation and voila they now make an awesome living. I stopped reading some chapters and fast forwarded only to find the same thing over and over. I'm sorry but how did these people have money to travel the world and then decide what their passion was. They must of had a rich parent or something to support them. Whenever you already have money it is easy to take that risk than when you give up everything you have worked so hard for to make your dream happen. I really wanted to see helpful information of the process, the legalities, and how they upkeep that success. This book offers none of that and I may have missed something but it is not informative at all. I would say if anything it could be a motivation type book offering you a great deal of examples of the happiness of others. As far as this being a helpful book for someone who wants to start their own business, that it is not.

Reviews About Guide To Evidence-Based Physical Therapy Practice (Paperback)

Its a review about this product

This is a great reference. I've used it for each research assignment I've had while in my DPT program. The book is very well organized. Each of the 16 chapters contains objectives, chapter terms, an introduction, core content, a chapter summary, and review questions. The index is also very comprehensive. The author's presentation of the content is excellent. She is able to covey dry content with the utmost clarity. I wouldn't recommend trying to read this book like a novel, but it acts as a very user friendly reference. Whether your goal is to the the "Grand-Pooh-Ba" of Evidence-Based Practice or to just be able to hold your own when it comes to p-values, this text is a worthwhile investment.

Sabtu, 05 April 2014

Kind of a rehash of his blog

Its a review about this product

I read Joe Mihalic's entire No More Harvard Debt blog, and enjoyed it, even though his circumstances in no way mirrored my own financial situation (He owns his own house and pays a mortgage so he was able to take in boarders, had a six-figure salary, etc.). Because I found value in his experience, and the lessons he learned, I decided to buy his book.

Although I appreciated some of the advice, and enjoyed the additional stories he told about his own life, many of his tips are just not practical for someone with an average salary. There's a bit of a paradox there, because a younger person who hasn't saved much yet would be more willing to take the financial risks he's talking about, but at the same time, probably doesn't have enough saved to make a big dent in his or her student loan amount.

I think this book might help someone whose financial situation is closer to what Joe's was at the time he wrote his blog, but unfortunately, it didn't really work for me.

Jumat, 04 April 2014

Reviews About No More Harvard Debt: A Mission to Destroy $90k of Student Debt in Ten Months (Kindle Edition)

Its a review about this product

When I first stumbled across Joe Mihalic's blog, No More Harvard Debt, I was curious about his posts because I know so many people who are now paying off college loans. I was lucky enough not to have college loans, but I (we) know what it's like to carry a half a million dollar mortgage, so anything money management interests me. As a blogger I know how to navigate blogs well and I went to one of his earliest posts to see what he had to say...and to see if what he had to say would be of any interest to me.The first line I read made me want to read more.

"I graduated from Harvard Business School with my MBA and $95k of student loans ($101k including accumulated interest) in 2009 at the age of 26."

I liked the blog so much I posted about it on my own blog, hoping to spread the word for other people who might be interested in ways to pay down college loans...or any other debt...the good old fashioned American way. Because that's what Joe did. He didn't sit around and groan. He didn't sit around waiting for a handout from the government. He used common sense and forged ahead by working as hard as he could.

And when I saw that he'd put the blog into book form using the Kindle Direct Publishing program I couldn't have been more thrilled. By doing this I knew he would be reaching even more people who could use advice. And by using the KDP program it didn't cost him anything but, as is his style, a lot of hard work. And, it's well formatted and simple to read on any e-reading device. I read mine on an iPhone for the most part.

What I think I like most is that he's not loud and obnoxious about offering his own personal advice like so many others who get paid millions of dollars to do basically the same things he's doing. There are some funny sections and some sections that scream reality check. But the most important part was the sincerity...without the gimmicks. I would recommend this book to anyone with debt, or anyone interested in reading a human interest story about a normal guy with a great deal of tenacity and talent.

Rabu, 02 April 2014

Ten star MUST READ

The review about this product

If you don't read any other book this year read this one.

So refreshing to read a book where the author not only has done their homework, but names names rather than rely on the old trick of anonymous sources. Also makes it clear that men like Warren Buffet, Donald Trump and dozens of major sports owners, Steve Jobs and others are not the self made people they want us to believe.

How can they be a self made people with millions if we the taxpayers have provided the money and we have gotten zip back and they have gotten fat and rich? These men and women are nothing but socialist whores.

Doubt any have read Adam Smith or Thomas Paine, which the author write of extensively. Remember this come November and election time. Sadly, I believe the elite few will make sure we have more to fear even if it wisent anything to fear, just so we don't become a larger crowd pointing fingers at them. And lets not forget the elected men and women who have let us down.

Makes one wonder if we don't need another revolution to take OUR country back. Read Adam Smith and Thomas Paine, because they foresaw problems and warned the citizens, so they would be prepared.

Every high school student should read this, before they take out a loan.

Its a review about this product

Although this book was written many years ago, its lessons are just as relevant today in 2011 as they were when the author first published them. If you survived the recent "Great Recession", now is the time to pick up this little gem.

At the book's core is a lesson that every high school student should learn, BEFORE they obtain their first credit card or take out their first car loan. And, especially by the time they obtain their first mortgage!

The core message is that the more debt a person (or a country for that matter) takes on, the more beholding they become to others (i.e. banks, other lending institutions or even other countries)and thus the more they become an economic slave.

However, there are several other basic economic lessons discussed within these pages that will help any reader find a little more freedom in their life and in how they view the world.

After you have read this book, pass it along to a young person. Give to them the gift of a little bit of knowledge that can last a lifetime.

Selasa, 01 April 2014

Reviews About The Circle (Hardcover)

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The Circle (Kindle Edition) Considering Eggers' reputation, I was amazed to find this novel to be so heavy-handed and obvious. I'll quickly provide an example that is not a plot spoiler. The Circle is an amazing company, a sort of Google on steroids, full of mind-blowing technology and brilliant employees. They introduce a video camera that has all sorts of capabilities: hi-def, ability to receive the video and control the camera from a computer, etc. Most impressively, it is the size of a lollipop and costs less than $60. One could buy several of these--thousands if you have money or are a company--disguise them, and place them anywhere. When the product is unveiled to the employees of the Circle, the employees love it! Not one of these brilliant, independent thinkers stops to think of the privacy implications or the opportunities to use the product for crimes. A pedophile, for instance, could buy some of these lollipop cameras and install them anywhere children are likely to be. It is this kind of lemming behavior that happens repeatedly in the novel. None of the employees seems capable of asking even the most basic question. Preposterous. Eggers could have made his points about technology in a short essay, but instead wrote a long, awful novel.

Minggu, 30 Maret 2014

Not attractive, but works for practice

Its a review about this product

My broadsword was apparently made from a piece of wood with a knot in it. This is near the tip of the blade on the flat edge. The edges of the knot area are slightly rough and sometimes catch on my clothes. There are hollowed-out spots (as all wood knots have) that have been filled and smoothed out with some kind of wood filler which is a lighter color than the rest of the sword. All in all, it feels sturdy and well balanced and will do as a practice sword, but it's not pretty. I think this seller should have to note in the product description that some of these swords contain flaws in the wood.

A must read

The review about this product

As Martin Wolf from Financial Times has written... "A MASTERPIECE"

One of the most interesting things about this books is that it combines a very rigorous research on the topic while keeping it accessible to a large audience. The book is self-contained, with definitions provided along the way, which makes it easy for people with no previous knowledge in economics to enjoy and understand it.

The authors also put together a database without precedents in the area which not only makes their statements much stronger, but also makes a great contribution to the field.

Sabtu, 29 Maret 2014

BEST learning method for SERIOUS kanji learners

The review about this product

If you are a serious kanji learner, meaning you want to know all the 2000 standard kanji and not just +- 200 for travelling purposes, you need this book.

Admitted, learning Kanji is a lot of work, but this book sure does help a lot. All the other reviewers summarised the good points of the book, but the one thing I'd like to point out is the fact that in the examples it uses only the kanji the learner already encounterd. This makes it a better book than Kodansha's. True, Kodansha gives a lot more examples for every kanji, but you don't remember a single one of them if they consist of 3 kanji you didn't learn yet. I'd say, teach yourself all 2000 kanji with this book, then go buy Kodansha for the extensive amount of examples they offer.

Daniël, The Netherlands

Jumat, 28 Maret 2014

Cleverly imagined and wonderfully written

Its a review about this product

I thought this was a terrific book. It has intelligence and heart. Four strangers spend two years living on a rebuilt ferryboat in San Francisco Bay, and their four sometimes-interlaced stories are loaded with provocative, entertaining and beautifully written ideas about present day American politics. Funny at times, challenging often, never without merit.

Purple Ferry is smart, fast-paced, relevant, persuasive and completely worthwhile. The first page grabbed me and the short chapters held me. I love a novel that can easily be read in short and charming bursts. It is easy to follow and leaves you thinking about the political choices facing the USA today. I was surprised how much I learned and how upset I became about today's politics. It also made me ponder the choices before each of the four fresh characters at various times in their own intriguing and sometimes interconnected stories.

He was bold to write about a woman's sexual hang-ups and her first sexual experience, but pulled it off with a delicate understanding and sensibility.

A totally original novel. I enjoyed the ride. Can't wait for Sherwood's next book; he has a fan!

Kamis, 27 Maret 2014

Reviews About The Value of Art: Money, Power, Beauty (Hardcover)

Its a review about this product

Michael Findlay has been an art dealer since 1964. In this opinionated book he discusses the value of art in three categories: financial value, social value, and intrinsic value.

Findlay explains that the market value of a work of art is based on five attributes: provenance, condition, authenticity, exposure, and quality. A key message is that art collectors should buy what they like to look at. Any potential increase in market value is speculation.

He explains that the market is cyclical, and people who view art purely as an investment appear when the market is hot. "There is an adage among old hands in the art world that the emergence of art investment funds signals that a boom is over." He points out that more than half of the art market is transacted in private sales. While art funds, art indexes, and art economists claim to analyze the market data, only the auction results are publicly available. "How can one measure and consequently predict activity in a market 52 percent of which is essentially invisible? ... I have little faith in crystal balls disguised as charts."

Findlay points out that auction prices are not a reliable indicator of market value; "an auction result actually represents a unique set of circumstances at a specific point in time." He cites an example of two similar Picasso pieces sold at auction within months of each other. The first sold for close to $6 million, but the second sold for $1 million less. The author speculates that two collectors were bidding in the first auction, but there was only one buyer left in the second auction, so he purchased for close to the reserve price.

"Ideally interest in art starts with a social experience." The author recalls two contrasting experiences. One day he observed a group of uniformed private-school students in a museum. One student was standing in front of a painting, reciting "a litany of biographical facts and art historical clichés" to a group classmates who looked bored out of their minds. In another case he observed a very excited group of eight-year-olds. The teacher was asking them simple questions: "What do you see? What does it look like? What does it make you think of? How does it make you feel? ... The kids were all having great fun competing to express their ideas about the painting... They were completely engaged, fully enthralled... For a properly managed class clustered around a painting or sculpture in a museum, the art can come to life. Reduced to a recitation of facts and other people's opinions, it can die."

In the 1960s, one of the author's clients loaned some art to John Powers, president of Prentice-Hall. After the art was hung in the company cafeteria Powers said, "The effect on morale was great. Overnight I became a convert to the power that art has to move people and bring them together." The author also explains that a corporate art collection can become "a substantial public-relations asset" if it is exhibited and loaned.

Art collectors like to talk about the circumstances of acquiring their art. "When it comes to contemporary art, direct contact with the artist often adds to the price of the work and is of course a social experience with memorable dinner-table conversation value for the buyer."

The intrinsic value of art is about "the private enjoyment of contemplating the work itself." When visiting a museum, the author recommends looking at the art "without wasting time on the labels... Sooner or later something will grab your attention, so stare at it for a good long time, not just five minutes... after twenty minutes things start to happen, and what you thought you knew about the work will start to be replaced by what you are actually seeing."

"If I look at a work of art and it leaves me cold, what can I hear or read about it that will profoundly change my attitude? If I look at a work of art and I am profoundly moved, what can I hear or read about it what matters more?"

"Painting, sculpture, drawing, and other visual media on the highest level represents the creation of a language that is not read or spoken. It is comprehended with the eyes, the mind, and what we might call the heart, our internal capacity to be deeply moved."

Selasa, 25 Maret 2014

Despite A Few Flaws, A Must Read If You're Considering An Online Degree

The review about this product

Online College Secrets: What You Need To Know About Online Degrees Before You Enroll (Kindle Edition) As someone considering an online degree, but unable to go back to school full-time, I needed answers. I'd heard stories about people going to expensive for-profit schools only to find out their degree isn't recognized. This book cleared up a lot of things for me, especially accreditation which I always found very confusing. I feel confident now that I can choose a good school that will be respected by any employer. The book glosses over a few things, and doesn't name any good or bad schools specifically. However, it explains how the online education system works here in the US, and what you need look for in a school.

The Good:
- The writing is short and to the point. The authors know what trips up students and do a good job steering you clear of these issues.
- There are some really valuable tips that may save me thousands of dollars and reduce the number of credits I need to take. That alone was worth the price of the book.

The Bad:
- The author doesn't talk about student loans. I plan to apply for financial aid but it's not clear to me if online colleges are the same as traditional colleges.
- The book is fairly short. Given how many online schools there are, and that one of the authors has a website that reviews schools, I would have expected more information on specific schools.

Despite these small drawbacks, I highly recommend this book. It answered my big questions about online degrees, and it was able to explained things clearly and quickly.

Reviews About Mid Life Love (Kindle Edition)

The review about this product

Mid Life Love is the perfect title for Whitney Gracia Williams' new romance novel, because it depicts how our hearts not only allows us to love once in our lives but also sometimes grows even larger as we live through new experiences allowing us to love again. Please note this is a beautiful LOVE story, which will you feeling many emotions as the characters do, you will find yourself CRYING, LAUGHING, CRYING, and FALLING in LOVE again.

Claire Gracen thought she her marriage with Ryan Hayes was her true real life fairytale and everything she wanted in a man, because he also gave her two beautiful twin daughters Ashley and Caroline. Unfortunately, her dream was quickly turning into horror because she discovers her husband had been having an affair for over a year. With her world falling apart, she divorces her husband, packs her possessions and moves with her daughters from Pittsburg to San Francisco to start new life. Claire is on the brink of becoming forty years old, so she starts making changes to her new life with a new wardrobe, new workout plan, spa treatments, and frequent hair appointments.

After living in San Francisco for four years, Claire meets Jonathan Statham, could grace the cover as a Ralph Lauren male model with blue eyes, chiseled jaw line, and full-defined lips, and his only 28 years old. Claire cannot help that the age difference is significance for to stay away from him even though there is chemistry between them. However, the most important fact is he is the CEO of Statham Industries, her place of employment.

Jonathan has also had his share of heartache with his own family growing up, so he starts to share this with Claire and she begins to bring her barriers down. But the more she learns about Jonathan and the childhood nightmare he experienced to get where he is today, the walls around her heart begin to crumble.

But will all the secrets, the challenges keep them apart or bring the closer? Will Jonathan win Claire's heart? Will Jonathan's age difference be too much for Claire to handle?

While reading, you will find yourself on an emotional roller coaster experiencing many emotions like happiness, hot scenes, and funny scenes. Mid Life Love is Whitney Gracia Williams' first novel in the series, so do not be disappointed when you discover the book ends, Claire and Jonathan story is not finished. Whitney is currently writing the second book in the series, Mid Life Love: At Last, so stay tuned to find out what occurs next with Claire and Jonathan.

I rate Whitney Gracia Williams' first novel in the series, Mid Life Love - 5 HOT STARS!

Senin, 24 Maret 2014

Solid, if unspectacular

The review about this product

Griff and Pete are fellow students and lovers. Griff wants their affair to be a secret, playing the straight game, while Pete wants the opposite. Then, one night, a brutal assault takes place..
Defying gravity has many strengths, among them a levelheaded script and some very restrained acting by Daniel Chilson and Niklaus Lange. It strives to be more than just a [homosexual]teenage movie by keeping the emotions in check, stearing clear of provocative scenes. This is admirable, even if the result often looks like a TV-movie of the week. The danger just isn't there.
Still, all the characters are interesting, even the bad guys. The script holds back enough information to keep you guessing, and the ending is quite acceptable.
Note: The word "[homasexual]" isn't used at all in the script! Other defamatory expressions for [homosexual] people are frequent, though.
There is a scene right after the end-credits which you shouldn't miss. Don't turn off until you get there!

Minggu, 23 Maret 2014

A SEPARATE PEACE

Its a review about this product

A Separate Peace (Paperback) I have my eighth-grade English students read a variety of texts throughout the year. If a student says, "I didn't like it," I have no problem with that (taste is subjective, after all), but I do require them to understand it. Often, people will not "like" something because they don't understand it. If they don't indicate they actually understand the text, then their indifference, dislike or detestation is unfounded. When we discuss a book in class, I find that the students who didn't like the book start to understand it, and, a large majority of them at least, start to like it (to varying degrees). A SEPARATE PEACE is the perfect book to prove this idea.

Part of the problem is giving this book to kids too early in their lives. In elementary school, books are plot heavy; in high school, books are heavy on character. If adolescents don't make a proper adjustment from plot- to character-heavy novels, a book like A SEPARATE PEACE feels like a kick in the gut and a punch in the face at the same time. This immensely character-heavy book is torture for people who aren't mentally acclimated to or ready for such depth.

This is a book that requires contemplation and, perhaps, re-reading. I highly recommend that you find a way to discuss this book with someone else. Questions will arise; debate may ensue; thinking will take place. Why did Gene do what he did? Why and how do we compare ourselves to others? Do we tend to remember events accurately or in the way we wish to remember them? How did Gene and Phinney really feel about each other? Why does Phinney not care about winning? What does Leper's meltdown say about character? About war? About peace? What does the title mean? These are not questions that have easy answers, but reveal character in a way that some students may be uncomfortable with.

I highly recommend this book for those who are ready for it. For others, it will be difficult to get through without feeling bored, lost or angry. Perhaps A SEPARATE PEACE says more about the reader than it does about the characters.

Sabtu, 22 Maret 2014

The Christ Controversy

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[...] Acharya's book is certainly powerful. Having been brought up in a Christian household, I felt angry at the possibility of having
been lied to for so long. This is not a book that can be read nonchalantly by the sincere seeker of the truth. To paraphrase the Old Testament, faith should be subjected to the crucible to elicit gold. The Christians who honestly study this book and finish with their faith totally intact will certainly have my admiration.
Like other reviewers, I have found snippets of information which I disagree with in Acharya's book. What does this leave us
with? A rough diamond, but a diamond nonetheless.
Christianity is unique among the major faiths insofar as it is based upon the soteriological premise of godman making the
ultimate sacrifice for humanity. Buddhism for instance, would be unshaken if the Buddha was proven to be totally mythical, as it
is solely a method of spiritual development. If Jesus however could be proven to be mythical, where does that leave
Christianity?
The bible teaches that we were made in the image of God, the various Gnostic schools (some of which greatly influenced early
Christianity) spoke of us having a divine spark within. Personal empowerment is about recognising our true nature and taking
control of our lives, rather than having someone else make our decisions for us. To effectively take control, it is vital to make informed decisions. May the truth be known to all.

Jumat, 21 Maret 2014

This was a fine book about Pearl Harbor

The review about this product

I don't complain of this story being a sloppy melodrama; I love sloppy melodramas. I don't disapprove the fiction that Admiral Yamamoto leads the Japanese task force himself and sails to Hawaii ; OK, the author just wanted to perk up the story. And I can live with some peculiar things written about Japan and the Japanese; that was predictable. But why does the Pentagon exist in 1941? Why is General Marshall is appointed the chairman of Joint Chiefs of Staff before the Pearl Harbor? Why is B-25 tagged as a four-engine bomber? Above all, how dare the author write that of the Dolittle raiders, "all but five would make it back to the United States alive"? (In reality, seven flyers could'nt get back home alive.) And what's the meaning of stating "Of the five flyers who died, two were executed by the Japanese inside Japan itself" (Why ignore the third flyer who was executed?) Won't this negligence scandalize American readers? There are many more inaccuracies, and most of them have nothing to do with "perking up" the story. If the author doesn't care about historical facts, he should write a fantasy story and refrain from preaching the significance of the Pearl Harbor Attack or fact and truth of history. Of all my forty years of reading experience I have never seen a novel that was more crowded with infamous falsehood and distortions.

Kamis, 20 Maret 2014

Great College Bound Gift

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Moving out on your own for the first time is stressful enough, without having to constantly worry about money. However, as Dara Duguay says in her book, Please Send Money: A Financial Survival Guide for Young Adults on Their Own, money is a huge problem amoung young people. I was surprised to learn how many college students accumulate thousands of dollars in debt, often getting in over their head by using credit cards irresponibly. Although personal finance can be confusing and full of dangers for young people, this book shows readers how to avoid common problems and set up and manage a budget. Duguay teaches about the dangers of credit cards, loans, and how to deal with bankruptcy. Through many real-life stories, she illustrates that financial problems can effect anyone. However, by creating a budget for yourself, learning about loans and credit cards, and overcoming the temptation to spend too much, young people can learn to handle their money responsibly. I would definitely recommend this helpful, easy-to-read book to anyone, especially young people, who want to learn more about personal finance.

Selasa, 18 Maret 2014

First Time buyer of Used book.

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Counseling Persons with Communication Disorders and Their Families (Paperback) I am a first time buyer of used books. I was discouraged to buy these books because I was not familiar with what people perceive as used in this country. My wife is an international student and in our country used books are really really used... I was encouraged to try it and I did. Book in excellent condition for school use. I was very surprised by the good quality of the book and am looking forward to make another purchase.

Senin, 17 Maret 2014

Reviews About Learn to Play Go, Vol. 3: The Dragon Style (Paperback)

The review about this product

This third book in the Learn to Play Go series, which is supposed to bring you to about the 10-12 kyu level, I did not find as useful as the first two books. We're now at the level where you need to learn practical strategy and tactics, and much of the book is a recitation of terms and some illustration of basic principles we already know. The most useful parts were probably the example games, but you really need to study a lot of those to get much out of them.

So, am I a 10-12 kyu player yet? Well, no, but you have to play a lot to gain the experience necessary to make use of the teachings of a book. I would say the first two books in this series are excellent, the third is worthwhile.

Reviews About From Darkness to Light: Teens Write about How They Triumphed over Trouble (Paperback)

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This book is a wonderful way for clinicians or behavioral health professionals to understand the minds of teenagers. It takes themes like suicide, divorce, bullying, etc and teens who actually experience this. They write their experiences from their own words. It also can be helpful for providers to read the theme topic with the teen to help the teen identify their own experience. THIS HOWEVER, NEEDS TO BE USED WITH AN ADULT IN MY OPINION AS I HAVE CONCERNS THAT IT COULD CAUSE TEENS TO ACCESS NEW IDEAS THAT THEY MIGHT NOT ALREADY HAVE. Please use in appropriate context.

Minggu, 16 Maret 2014

First Interesting Textbook I Ever Read

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I ordered this book as a requirement for an introductory paralegal course and was at first a little aprehensive about the books thickness. I started out knowing absolutely nothing about the law, the government, or the internal workings of the legal system. This book teaches the beginnings of modern law and the influences of the executive, legislative, and judicial branches of government. The basics of many common areas of law are also covered such as contracts, probate, property, torts, criminal law, family law, and many more. This book teaches a great amount of useful information in an easy to read and easy to understand format. Plenty of possible real life scenarios are used as examples as well as real cases to help you dive deeper into the subject you are trying to grasp. This is the first school textbook I've ever actually enjoyed reading from. Key terms are boldened for easier reference and studying. For anyone interested in learning about a variety of beginning law topics, it is definately an investment worth making.

Sabtu, 15 Maret 2014

Reviews About Witches Of Karres (Paperback)

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Witches of Karres (Hardcover) This book is one of my all-time favorite space operas. I have read and reread it many, many times, wearing out serveral paperbacks.
The science of the story is unscientific (to put it mildly), but the book is a space opera, not science fiction.
Good versus evil, David versus Goliath; it has all of this, but it has more. Akin to the Xanth novels and the Myth novels it adds the tone of bewilderment. The hero never knows exactly what he is doing.
This draws the reader into closer empathy with Captain Pausert.
The author has demonstrated with his other works that he can write a true science fiction novel, so I feel that the unscientific, but delightful character of this novel was completely intended.
It is really unfortunate it remains in the "out of print", and "hard to find" catagory.
About 25 years ago I had a book dealer find me an original hardback first edition of this book. I treasure it, and frequently reread my well preserved paperback.
I hope these reviews of an unavailable book will encourage publishers to reissue the book before my copies wear out completely.

Jumat, 14 Maret 2014

Reviews About Investing in Your 20s & 30s For Dummies (Kindle Edition)

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Customer review from the Amazon Vine Program (What's this?) I read this to see if the information was basic or if there were good long-term financial planning goals in the book. I think it's a good foundation for young people to use as a guideline when they begin working so they have an idea where they're headed, as well as giving them saving and budgeting advice.

I would also supplement the book with first-hand knowledge of stocks and bonds, as well as historical information about 401Ks. It's important to have a good sold financial plan, whether you use all the advice in the book or not. At least use this book as a guideline, a reference, and a strategy for future success.

I'd recommend young people read this or parents give it to their grown kids as a gift. It's important enough for every young person to read.

Kamis, 13 Maret 2014

Reviews About F**k My Student Loans (Kindle Edition)

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This book has a few good insights into how to avoid student loans, but they are buried in way too many unnecessary and off subject stories. Lots of rambling and unconnected points. In addition, the first chapter being filled with the f word (and the title of the book) is completely unnecessary and shows that the writer is still immature and has not learned real world lessons. The promise made in the opening paragraph to provide a discussion of why costs are high and what students can do is never really fulfilled.

For a real discussion of how to get through college without student loans, I recommend Debt Free U by Zac Bissonnette. (Debt-Free U: How I Paid for an Outstanding College Education Without Loans, Scholarships, or Mooching off My Parents)

Rabu, 12 Maret 2014

Reviews About Quicken Deluxe 2013 [OLD VERSION] (Software)

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The manufacturer commented on the review belowSee comments 67 of 71 people found the following review helpful 1.0 out of 5 stars You have got to be kidding?????, October 7, 2012 By heliskier - See all my reviews Quicken Deluxe 2013 [Download] [OLD VERSION] (Software Download) I upgraded from Quicken 2010 because of the touted "cloud" capability of quicken 2013. So far the cloud is more like flatulence...It won't sync with ANY of my accounts...Quicken's website claims that it is a "known issue"...KOWN ISSUE???? REALLY????? NO KIDDING!!!! So Intuit would rather release some more shovelware on schedule rather than actually worry about whether or not it works....PATHETIC!!!!! I AM SO FURIOUS RIGHT NOW... The touted capability was the ONLY reason I upgraded. PLEASE DO NOT BUY THIS PIECE OF GARBAGE until they have the decency to fix it. If you choose to ignore my plea you only have yourself to blame. Don't look just at these reviews...google them all and you will find a growing and ANGRY chorus.

Senin, 10 Maret 2014

Ben Tells it like it is, Beware of the College Campus

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I read Ben's book with "shock and awe". I have been familiar with Mr. Shapiros's writings for the UCLA Daily Bruin, and have heard him speak on a few occasions .He is a real hero, because he talked about this stuff happening on the campus before it was fashionable, and he stood up to the UCLA authority, went on local radio and told what happened when he tried to report on AL Talib, a MSA newspaper, being funded by taxpayer dollars, and what their political agenda was. All this prior to 9/11. He is a young man, who should be watched, and looked at as a future leader of our country, Ben is the Best, a great read!

Minggu, 09 Maret 2014

Reviews About Good Credit Is Sexy (Paperback)

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I purchased this book back in 2005. I was experiencing issues with a big company that thought they could apply negative information on my credit and get away with it. With the help of this book, I fooled them. Using this book to do my due diligence I was able to find out that the company had violated my rights as a consumer. This book has great information that come directly from the Federal Trade Commission (ftc) along with countless letters you can send to any creditors that may be causing you debt nightmares.

To make a long story short, using this book I found out that the company had violated five of my rights as a consumer each carrying a $5,000 government penalty. I had my "LegalShield" formerly Pre-Paid Legal attorney send the company a letter on my behalf stating their violations. In the letter, my attorney demanded that all debt that I actually owed was erased or they would advise further legal action due to the penalties. The company complied, removed the debt on my credit history and sent me a bill stating I had a zero balance.

Don't accept negative information on your credit report without putting up a fight, never back down, protect your credit at all cost. This book is certainly worth it. because this books Rocks!

You can always count on emotions

The review about this product


Jumat, 07 Maret 2014

Reviews About 21 (Single-Disc Edition) (DVD)

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21 (Amazon Instant Video) If your expecting a movie about the book 'Bringing Down the House' you will not be happy about your rental/purchase. I didn't believe the poor reviews at first and so I rented it...I wish I had listened.

The story is narrated by our main character throughout the film and it is horrible to listen to for both content and the annoyance of his voice.

They really Hollywooded up the plot, with all the predictable twists and happy-ending everything-is-ok-in-the-end and we-have-learned-our-lesson bull-s...There was just nothing at all that stood out about this movie. They could have replaced BlackJack with any other activity, like skydiving, tennis, or working at a McDonalds and they could have reused much of the script and the plot lines. The second star is because I didn't shut it off part way through.

Wait until this one makes it to HBO.

Reviews About The Complete Idiot's Guide to Personal Bankruptcy (Paperback)

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In the next edition disclose these four significant student loan debtor discharge success cases (I am sure there are many more):

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.

Kamis, 06 Maret 2014

A Brilliant Counter To Fundamentalism

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The times we live in show a resurrection of great theological debate. Biblical scholarship, with the help of the discovery of ancient texts such as the Dead Sea Scrolls has revealed the great diversity of thought that made up Christianity in the first three centuries after the death of Jesus.

It wasn't until the fourth century and the adoption of Christianity as the state religion of Rome that Christianity went through a period of codification and setting of official dogma. Fundamentalist Christianity today continues the traditions and dogma put in place by politicians and church elders of the fourth and fifth centuries. Beliefs of a different age, and a society much different than our own.

It was then that beliefs became law, for there was no division between church and state...indeed, a heretic in those times was guilty of not only treason against God, but against the state. In this book by John Shelby Spong, he exposes how the Bible has been used to suppress the opposers of the state and its religion.

He tells how the Bible has been used to keep women as second-class citizens, how scripture has been used to justify cruelty and tyranny. His words are the words of a man that has studies the Bible all of his life, given his life to working for God and the followers of Jesus. While many will not agree with him, there is no doubting his scholarship and dedication to Christianity.

It has been said that the days of the prophets are gone. I disagree. John Shelby Spong, Marcus Borg and others are speaking out against the iniquities of ancient biblical thought that continue to be practiced. We need people like them to speak out. There are many that wish to maintain the old thoughts about God and keep people in fear. For those, this book will be a revulsion. For others that look for a different way, this book could be a revelation.

Highly recommended

Rabu, 05 Maret 2014

Reviews About J.CROW'S® Lugol's Solution of Iodine 2% 2oz (Health and Beauty)

Its a review about this product

J.CROW'S® Lugol's Solution of Iodine 2% 2oz (Health and Beauty) my cat has thyroid cancer, hypothyroid, and kidney failure. my vet said there was nothing they could do for my 14 yr old cat and just to make him comfortable until the end.
i to have hypothyroid and have been reading alot about iodine treatment. i bought a bottle for myself before my cat started having problems. his fur was in poor condition and he laid around most of the time. he was confussed, couldnt find his food/water, couldnt even walk straight.
i starter placing 3 drops of iodine/iodide (Breath of life) in his water once a day, and within a week his fur looked better, he wasnt as confused acting and he actually plays once in a while now. i dont think this healed him of his problems, but it has improved his quality of life. hes even walking straighter now, its only been 3 weeks of treatment

Selasa, 04 Maret 2014

A set of videos I watch over & over again & loan to friends

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When this series was first bradcast on our PBS TV staion WGBH Boston, I taped the series off air. Then, I discovered I recorded the third episode twice & missed the second completely. When I saw the set for sale in the WGBH catalog, I ordered it & finally, got to see the second episode! This is a video set I watch over & over again. I do this before I loan it to friends, just so I can keep the plots of the episodes "straght" in my mind. When these series are broadcast, Russell Baker gives an opening & closing commentary on the episode. These are missing from the commercial versions. Without this commentary, the viewe may not know that the female lead Jemma Redgrave is related to Lyn Redgrave & Venessa Redgrave - They are Jemms's aunts.

I am a student of history, especially medical & nursing history. This series gives me lots of insight into treatments that worked & didn't work in that era. The actor Robert Hardy, who played Sigfried Farnan in "All Creatures Great & Small" plays a devious "Sir Herbert", one of the surgical professors at the East London Hospital. He only appears in a small number of the episdes. But, he is a prominent character in the first episode. I got the impression Elanor Bramwell would have liked to kill Sir Herbert in that first episode, but when Lady Cora Petersgave Elanor the opportunity to serve the sick & poor in another setting, Elanor no longer had to deal with Sir Herbert.

Senin, 03 Maret 2014

Reviews About After the Arab Spring: How Islamists Hijacked The Middle East Revolts (Hardcover)

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It is quite remarkable that in a situation where all the indicators pointed to failure, the majority of american media (along with cooperation from an idealistic US administration) attempted to portray these Middle East uprisings as positive moves toward the establishment of western style democracy. In fact, the history of civilization is packed with examples of societies that rise and fall on the strength of all types different political, religious, and economic ideals. Even European democracy gave rise to Nazi chaos less than a century ago. This book makes it clear that American democratic ideals are not the norm and are definitely not the reflex evolutionary trend out of barbarism.

Minggu, 02 Maret 2014

Reviews About Hamlet (DVD)

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Hamlet - The Film starring Will Houston (DVD) This is a quite competent, traditional 20th C. interpretation of the play with a cast of trained pros (a serious student of Shakespeare shouldn't care that they aren't movie stars or Doctor Whos).

It was staged for film: that's a good thing, as it isn't simply a part-film/part-stage production like many higher-profile Hamlets. A few nice outdoor scenes add verve. Houston is deeply invested as H. without overplaying it; in fact, with the perhaps inevitable exception of Laertes, there's very little scene-chewing, yet the film never feels leaden (considerable cuts help with that, of course, and I am usually into uncut work but on film it's hard to avoid). Gertrude and Claudius are steady forces of authority and the former gets the bedroom scene exactly to my taste; it's emotionally raw, but there's no showoffy sexing-up here (which means it could be played for a classroom of younger students). Polonius is not played for extreme laughs as many players since Cronyn have done; really, this may be the most "experimental" thing about the production in this day and age.

P.S. To the previous reviewer: the costumes were on loan from the RSC. Check the credits. One early establishing shot may have been of a Ren Faire or living history museum, but even if so, that is hardly an unwise use of their obviously small budget.

Sabtu, 01 Maret 2014

Lacking lots

The review about this product

This is a college book, so there was no choice in buying it, and if my experience changes over the next semester, I'll edit/add to it.

a) the book is dry and gives simple instructions, while making the exercises much more complex. It would be a better book if the difference between the two was less distant.

b) the website it advertises is HORRIBLE. It's clear that the book was once under HOUGHTEN umbrella of products, but it is no longer. The website that the book is tied to looks like it was created by a 12 year old.

Kamis, 27 Februari 2014

Unique coverage of both Verilog and VHDL

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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)

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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

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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

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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)

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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)

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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.