Financing a reliable car or your dream home requires good credit. Having low credit scores will increase the interest and fees you'll pay to borrow money and might even prevent you from getting a loan, renting an apartment, or being approved for a credit card. This comprehensive how-to manual will help you build (or rebuild) your credit and teach you how to protect it from future damage.
In the richly interdisciplinary study, Challenging Addiction in Canadian Literature and Classrooms, Cara Fabre argues that popular culture in its many forms contributes to common assumptions about the causes, and personal and social implications, of addiction. Recent fictional depictions of addiction significantly refute the idea that addiction is caused by poor individual choices or solely by disease through the connections the authors draw between substance use and poverty, colonialism, and gender-based violence. With particular interest in the pervasive myth of the "Drunken Indian", Fabre asserts that these novels reimagine addiction as social suffering rather than individual pathology or moral failure. Fabre builds on the growing body of humanities research that brings literature into active engagement with other fields of study including biomedical and cognitive behavioural models of addiction, medical and health policies of harm reduction, and the practices of Alcoholics Anonymous. The book further engages with critical pedagogical strategies to teach critical awareness of stereotypes of addiction and to encourage the potential of literary analysis as a form of social activism.
Want to enjoy a debt-free life? Help is here. You don’t have to struggle with burdensome debt. By filing for Chapter 7, relief can be yours in as few as four months. How to File for Chapter 7 Bankruptcy explains the bankruptcy process in easy-to-understand language, including: • whether you’ll qualify for a Chapter 7 discharge • the debts that get wiped out in Chapter 7 • the property you’ll be able to keep, and • how to retain a home or car. Once you’re ready to file, you’ll use the step-by-step instructions to: • complete the official bankruptcy court forms • prepare for the meeting of creditors (the one appearance you’ll make) • file your debtor education course certificates, and • rebuild your credit after receiving your fresh start.
The story of Faulkner Hospital begins with the Faulkner family. Dr. George Faulkner's ancestry includes one of the first woolens manufacturers, a Revolutionary War colonel, and an accused Salem witch. When Dr. Faulkner's daughter Mary died, the hospital was established in her honor. Paul Revere's great-granddaughter broke ground on the hospital, which sits on land where the Peacock Tavern, owned by Samuel Adams, once stood. The original building contained 26 beds, 6 of which were free. A nursing school opened in 1903, on the day the hospital opened. Using images from the hospital's vast archives, Faulkner Hospital celebrates the hospital's centennial and explores its rich history as a leader in medicine, education, and community enrichment. Faulkner Hospital is a major teaching hospital to Harvard and Tufts Medical Schools, with many clinical firsts, like the discovery of rejuvenated blood. It is also home to world-renowned breast and headache centers and has implemented many unique concepts, including nurservers and monorails. Readers will learn about the hospital's role in the movie Whose Life Is It Anyway? and discover the famous writers, athletes, and royalty who have visited.
Not sure where to start? Let’s find the right bankruptcy option for you. You know bankruptcy will help you get back on your financial feet. But which chapter type is best? The New Bankruptcy explains the benefits of Chapter 7 and Chapter 13 bankruptcy so you can make an informed choice that addresses your financial needs. For instance, you’ll learn that Chapter 7 will: • wipe out credit card balances, utility bills, medical debt, and more • protect property you need to work and live, and • take about four to six months to complete. Chapter 13 bankruptcy works by keeping creditors at bay while you: • catch up on a house or car payment • pay off an overdue tax or support balance, and • pay less on other debt, such as credit cards and student loans.
This interdisciplinary book explores the role of art in placemaking in urban environments, analysing how artists and communities use arts to improve their quality of life. It explores the concept of social practice placemaking, where artists and community members are seen as equal experts in the process. Drawing on examples of local level projects from the USA and Europe, the book explores the impact of these projects on the people involved, on their relationship to the place around them, and on city policy and planning practice. Case studies include Art Tunnel Smithfield, Dublin, an outdoor art gallery and community space in an impoverished area of the city; The Drawing Shed, London, a contemporary arts practice operating in housing estates and parks in Walthamstow; and Big Car, Indianapolis, an arts organisation operating across the whole of this Midwest city. This book offers a timely contribution, bridging the gap between cultural studies and placemaking. It will be of interest to scholars, students and practitioners working in geography, urban studies, architecture, planning, sociology, cultural studies and the arts.
This is the first book-length study to investigate the place of lay Catholic women in modern Irish history. It analyses the intersections of gender, class and religion by exploring the roles that middle-class, working-class and rural poor women played in the evolution of Irish Catholicism and thus the creation of modern Irish identities. The book demonstrates that in an age of Church growth and renewal, stretching from the aftermath of the Great Famine through the Free State years, lay women were essential to all aspects of Catholic devotional life, including both home-based religion and public rituals. It also reveals that women, by rejecting, negotiating and reworking Church dictates, complicated Church and clerical authority. Irish women and the creation of modern Catholicism re-evaluates the relationship between the institutional Church, the clergy and women, positioning lay Catholic women as central actors in the making of modern Ireland.
In Sharing Territories, Cara Nine defends a river model of territorial rights. On a river model, groups are assumed to be interdependent and overlapping. If we imagine human settlements and territorial rights as established in river catchment areas-not on lands with walls and borders-the primary features of group life are not independence and distinctness. Drawing on natural law philosophy, Nine's theory argues for the establishment of foundational territories around geographical areas like rivers. Usually lower-scale political entities, foundational territories overlap with and serve as the grounding blocks of larger territorial units. Examples of foundational territories include not only river catchment areas but also urban areas, drawn around individuals who hold obligations to collectively manage their surroundings. Foundational territorial authorities manage spatially integrated areas where agents are interconnected by dense and scaffolded physical circumstances. In these areas, individuals cannot fulfil their natural obligations to each other without the help of collective rules. As foundational territories overlap the territories of other political units, Nine frames a theory of nested and shared territorial rights, and argues for insightful changes to the allocation of resource rights between political groups and individuals.
From the bestselling authors of Atlas Obscura and Gastro Obscura comes a nature book like no other—a dazzling, over-the-top collection of the world's most extraordinary wild species that takes you to all seven continents and beyond. It's more than a field guide–it's an adventure. From the curious minds of Atlas Obscura, authors of #1 New York Times bestselling Atlas Obscura and Gastro Obscura, comes an unputdownable celebration of the world's living wonders. Learn how dung beetles navigate by the stars, and trees communicate through their roots. Meet one of the strongest animals in the world: the puny peacock mantis shrimp. Pay your respects to a 44,000 year old shrub, float along flying rivers, and explore a garbage dump overseen by endangered storks. Examine old examples of bird song notation written on sheet music. Also, first person interviews: hear from a honey hunter and his avian partners, a scientist working to find the world's only ocean-dwelling insects, and an offshore radio DJ who is at the heart of the local fishing community. Featuring over 500 extraordinary plants, animals, and natural phenomena, with illustrations and photos on every page, the book takes readers around the globe—from Antarctic deserts to lush jungles, and into the deepest fathoms of the ocean and the hearts of our densest cities. Teeming with detail and wildly entertaining, Wild Life reinvigorates our sense of wonder, awe and amazement about the incredible creatures we share our planet with.
In age of elegance and excess, Lilly Westbrook longs for a love both true and eternal. Newport, Rhode Island, 1899, is a place of shimmering waves, sleek yachts, and ladies of leisure. Of opulent mansions that serve as summer cottages for the rich and famous. Home of railroad magnates and banking tycoons--dashing young men and the women who aspire to marry them. But it's not the place for lady novelists. Especially not those who pen disreputable dime novels. This poses a problem for Lilly Westbrook, because that's exactly what she does. No one in Lilly's social set knows she pens fiction under the nom de plume Fannie Cole. Not her family or the wealthy young man about to propose to her. And especially not Jackson Grail, the long-lost beau who just bought her publishing company...and who stirs her heart more than she cares to admit. But Lilly must put aside her feelings and follow the path that will maintain her family's social stature and provide the financial security that everyone is depending on. Now Lilly faces a double dilemma. Can she continue to protect her secret identity? And will she have the courage to choose the man who will risk it all just to win her heart?
Functional literacy, cultural literacy, and progressive literacy are just a few of the many terms one can invoke when attempting to define literacy. From a critical perspective, for a democratic society to exist, a critical literacy is of crucial importance. Critical literacy aims to empower individuals and transform society. It is grounded in critical theory and, like critical pedagogy, investigates ways in which social, cultural, racial, sexual, and economic inequalities are reproduced. By investigating the ideological, political, and social structures that perpetuate such inequalities, it hopes to raise consciousness and move towards creating a more socially just society. This book examines the approaches set forth by Atwell, Calkins, and Rief in their books, In the Middle (1998); The Art of Teaching Writing (1994); and Seeking Diversity (1992), respectively. This book is of relevance to teacher educators and English Language Arts teachers. It enables one to become familiar with the main components of the Readers’/Writers’ workshop and develop an awareness of how literacy may be conceptualized and reconceptualized through this approach. Teacher educators will find this text useful for raising preservice teachers’ awareness of the ideologies that inform literacy education and in developing their understanding for how students are positioned socially, culturally, politically and economically by such ideologies. English Language Arts teachers will find this book informative in understanding how they can be positioned by teacher texts to teach towards certain ideologies of literacy. Finally, it allows teacher educators and English Language Arts teachers to consider what kind of literacy education is provided for through the Readers’/Writers’ workshop, and whether space may be negotiated within the Readers’/Writers’ workshop, for the teaching of critical literacy.
A must-read for every educator. Not only does Cara Shores provide the background information on RTI for academic achievement and behavior, she also takes the reader step-by-step through effectively integrating the two processes' --Ronda Shelvan, Special Education Teacher, Washougal School District, WA 'The book includes examples, case studies, and resources that are very useful for teachers and administrators'--Judy Rockley, State Trainer, Kansas State Department of Education Academic achievement and behaviour are intertwined, and students often struggle with challenges spanning both areas. This research-based and practical book helps educators apply proven Response to Intervention (RTI) methods in a new way--as a highly effective, comprehensive approach to addressing behavioural issues and related academic achievement. Nationally known expert Cara Shores describes how schools have successfully used RTI to improve behavior in the general education K-12 environment. Readers will learn how to implement RTI both in the individual classroom and schoolwide. This guide includes: - Vignettes showing how educators can address behavioural issues with RTI's three tiers - Guidance on building teams and leveraging resources to effectively reach at-risk students - Advice on the role of behavioural assessment within RTI, including universal screening and progress monitoring for behaviour - Interactive exercises, reproducibles, and other tools
In this inspiring book, learn to know Jesus more deeply by exploring twelve questions He uses to bring us closer to Him. There is an incredible truth about the nature of Christ: the Son of God is a curious God who asks. And His questions are life changing. The answer to your need for connection, to your spiritual doubt and restlessness, can be found by examining God's questions. Scripture reveals that Jesus asked over 300 questions to teach, engage, and invite us closer. Now, experience an intimate and transformative conversation with the Son of God by exploring twelve of the most powerful questions from the Gospels. Through Christ's questions, you'll be captivated by the truth of His love and desire to walk in union with you, His Kingdom preparations for you, and the relevance of His promises in your life. Let Jesus ask and He'll ignite your imagination, intellect, heart, and soul.
In Cara Caddoo’s perspective-changing study, African Americans emerge as pioneers of cinema from the 1890s to 1920s. But as it gained popularity, black cinema also became controversial. Black leaders demanded self-representation and an end to cinematic mischaracterizations which, they charged, violated the civil rights of African Americans.
Struggling with debt? Find solutions here. Conquering overwhelming debt starts with understanding your options. Solve Your Money Troubles gives you the tools you need to get your finances back on track. Learn how to: • stop debt collector harassment cold • negotiate down your debt with creditors • reduce your student loan payments, and • create a healthy financial plan that you can live with. Solve Your Money Troubles helps you handle the big issues, too. Find out how to: • stop a wage garnishment from leaving you penniless • get your car back after a repossession • prevent a foreclosure by applying for a loss mitigation program • respond to an action if you get sued, and • decide if it’s time to wipe the slate clean by filing for bankruptcy. In addition to up-to-date legal information, you’ll find practical tools, such as sample creditor letters and budgeting worksheets.
The chance to break the big story is all Charlotte needs to secure her future. But when the truth comes outùit may cost her the love of her life. Newport, Rhode Island, in 1900ùa glamorous resort town where the rich and famous go to see and be seen. Charlotte Hale isn't part of that world. She's a working girl, a secretary for a local newspaper, who dreams of becoming a real reporter. When her boss offers her an assignment, she jumps at the opportunity. She'll go undercover as a governess to investigate a scandal about her new employer, Daniel Wilmont, a young widowed professor of religion who writes a controversial column in a rival newspaper. Charlotte's qualms about misrepresenting herself to Daniel soon morph into a deeper quandary. How can she get the goods on a man who turns out to be so honorable? How can she plot the downfall of a family that has inspired her to rediscover her faith? And how can she protect the man she now loves from a scheme she's been part of since the beginning? A fascinating tale of love and faith in the Gilded Age . . . from the author of Love on a Dime. "James uses carefully described settings and characters . . . to dramatically contrast life in the Gilded Age in Newport, Rhode Island, between the working class and the wealthy." ùBooklist
Legal Research empowers readers by explaining how to find accurate legal information, including statutes, regulations, and case law in easy-to-understand language.
Win your small claims case! You don't need a lawyer to win in small claims court if you know how to prepare and present your case. Properly preparing for your day in court can make the difference between receiving a check and writing one. Everybody's Guide to Small Claims Court provides the information, tips, and strategies you need to sue someone successfully or to put up a winning defense in any state. Find out how to: file and serve papers mediate an out-of-court settlement prepare evidence to support your case decide the amount to sue for line up persuasive witnesses present a winning case, and collect money when you win. The 19th edition’s settlement section explains negotiation techniques you can use to settle your small claims case—or any other disagreement you might have—without going to court. You’ll also find the latest procedures for small claims courts in every state, sample letters, legal forms, and links to other resources, including an online statute of limitations chart that will help you determine when you must file your case.
Winning a lawsuit doesn’t happen by accident. You must prove your case. That’s where Everybody’s Guide to Small Claims Court in California can help. If you’re suing someone—or being sued—you’ll learn how to explain the facts, present credible evidence, and convince the judge to rule for you, not your opponent. But you get more than tips on preparing a powerful case. You’ll also learn how to: determine the value of your case write a demand letter negotiate a settlement file and serve court papers gather evidence subpoena witnesses present your case in court collect money when you win, and file an appeal. And you won’t need to worry about being buried in forms. The 22nd edition includes sample forms and instructions for completing the paperwork, as well as the latest California laws and COVID-19 court procedures.
Stop creditors and get more time to pay. Filing for Chapter 13 bankruptcy stops creditors, lawsuits, wage garnishments, bank levies, and other collection actions immediately, giving you time to restructure your debts. Yes, you’ll pay into a three- or five-year repayment plan in Chapter 13. But your money will go toward the debts that matter most—like your mortgage, car loan, support obligations, and taxes. Remaining debts, such as credit card, medical, and utility bills, usually receive only a fraction of what you owe. Also, Chapter 13 offers unique debt solutions not available in Chapter 7, sometimes making Chapter 13 the better choice even for those who qualify for Chapter 7. For instance, only in Chapter 13 can filers do the following: keep all property avoid foreclosure and vehicle repossession pay the fair market value for a car, and in some cases, eliminate a junior mortgage loan. This plain-English Chapter 13 guide covers the Chapter 13 process from start to finish, explaining how to determine if you qualify for Chapter 13, what’s required to catch up on your mortgage and keep your home, and how to rebuild your credit after bankruptcy. You’ll also learn more about the following: how much you’ll pay in a repayment plan which debts get erased when the case ends, and how to find and hire the right lawyer The revised edition explains where to find legal updates, bankruptcy forms, and state-specific information.
Theatre in Towns offers a contemporary perspective on the role of theatre in the cultural life of towns in England. Exploring volunteer-led, professional and community theatres, this book investigates the rich and diverse ways that theatres in towns serve their locality, negotiate their civic role, participate in networks of mutual aid and exchange, and connect audiences beyond their geographical borders. With a geographical focus on post-industrial, seaside, commuter and market towns in England, the book opens questions about how theatre shapes the narratives of town life, and how localism, networks and partnerships across and between towns contribute to living sustainably. Each chapter is critically and historically informed, drawing on original research in towns, including visits to performances and many conversations with townspeople, from theatre-makers, performers, set-builders, front-of-house volunteers, to audience members and civic leaders. Theatre in Towns asks urgent questions about how the relationships between towns and theatres can be redefined in new and equitable ways in the future. Theatre in Towns brings new research to scholars and students of theatre studies, cultural geography, cultural and social policy and political sociology. It will also interest artists, policy-makers and researchers wanting to develop their own and others’ understanding of the value of active theatre cultures in towns. The Open Access version of this book, available at www.taylorfrancis.com, has been made available under a Creative Commons Attribution-Non Commercial-No Derivatives 4.0 license.
Legal Research empowers readers by explaining how to find accurate legal information, including statutes, regulations, and case law in easy-to-understand language.
Winning a lawsuit doesn’t happen by accident. You must prove your case. That’s where Everybody’s Guide to Small Claims Court in California can help. If you’re suing someone—or being sued—you’ll learn how to explain the facts, present credible evidence, and convince the judge to rule for you, not your opponent. But you get more than tips on preparing a powerful case. You’ll also learn how to: determine the value of your case write a demand letter negotiate a settlement file and serve court papers gather evidence subpoena witnesses present your case in court collect money when you win, and file an appeal. And you won’t need to worry about being buried in forms. The 22nd edition includes sample forms and instructions for completing the paperwork, as well as the latest California laws and COVID-19 court procedures.
Everybody's Guide to Small Claims Court in California provides step-by-step instructions for individuals filing or defending a Small Claims Court case in California. Readers learn how to assess the case's potential for success, as well as how to conduct preliminary negotiations, file in the proper court, gather evidence, and present a strong argument to the judge—all without the expense of hiring a lawyer.
You don't need a lawyer to win in small claims court if you know how to prepare and present your case. Everybody's Guide to Small Claims Court provides the information, tips, and strategies you need to sue someone successfully or to put up a winning defense in any state. Find out how to: file and serve papers mediate an out-of-court settlement prepare evidence to support your case decide the amount to sue for line up persuasive witnesses present a winning case, and collect money when you win. The updated 19th edition includes the latest procedures for small claims courts in every state, sample letters, legal forms, and more.
Bad credit can get better A bad credit report can prevent you from getting a mortgage, car loan, credit card, apartment, or even a job. The sensible strategies in Credit Repair help you take control of your finances, clean up your credit report and rebuild your credit. Learn how to: prioritize debts and create a budget reduce debts and cut expenses negotiate with creditors correct credit report errors and remove old information add positive information to your credit report adopt strategies to rebuild your credit, and avoid identity theft and credit repair scams. Updates to the 15th edition of Credit Repair include new credit reporting standards for medical debts and revised rules about what debt collectors must include in collection notices.
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