A brand new collection of up-to-the-minute personal finance guidance from award-winning columnist Liz Weston… 4 authoritative books, now in a convenient e-format, at a great price! All the realistic, trustworthy money advice you need! 4 up-to-date books from Liz Weston, America’s #1 personal finance columnist Money! Debt. Credit Scores. Investments. Retirement. College. You need answers you can understand, trust, and actually use! That’s where Liz Weston comes in. In this amazing 4 book collection, America’s #1 personal finance columnist helps you create and execute your own action plan for long-term financial security. No hype, no lectures, no nonsense: just realistic, up-to-the minute help delivered in plain English. Start with the latest edition of Weston’s nationwide best-seller, Your Credit Score, Fourth Edition – complete with brand-new information on protecting (or rebuilding) the 3-digit number that rules your financial life. Learn how today’s credit scores work… exactly how much skipped payments, bankruptcies, and other actions will lower your score… how companies can and can’t use your score against you. Get crucial new information on “FAKO” alternative scores, short sales, foreclosures, FICO 8 mortgage scores, new credit risks from social networking and mobile banking, and how to fight score-related credit limit reductions or higher rates. Next, in Easy Money, learn how to simplify and take control of your financial life, now and forever! Weston takes on the problem everyone has: the sheer hassle of managing money! You’ll find practical guidance and easy checklists for investments, credit cards, insurance, mortgages, retirement, college savings, and more! Discover how to consolidate, delegate, and automate your finances…save time and money…and live a more rewarding, secure life. In Deal With Your Debt, Updated & Revised Edition , Weston offers up-to-the-minute help on averting disaster, recovering from serious money setbacks, getting real help, and taking action that works. Weston reveals why it’s simply impractical to “live forever debt free” - and why trying to do so can actually make you poorer. You’ll find up-to-the-minute strategies for calculating how much debt is safe, and assessing and paying off the right debts first... and if you’re too far in debt, Weston will gently and non-judgmentally guide you back into your “safety zone.” Finally, in There Are No Dumb Questions About Money, Weston offers up-to-date, common sense answers to the financial questions people ask most often. You’ll find quick, sensible advice on setting priorities… choosing investments… saving for college, home-buying, retirement, or other major expenses… getting past the pain, arguments, and guilt surrounding money, and doing what works! From award-winning personal finance expert Liz Weston
Struggling with debt? Get realistic help that's actually useful, from Liz Weston, one of the most popular and respected personal finance experts! Today, people struggling with debt have far fewer options: lenders are stingier, which makes it harder to avert disaster, or to recover from setbacks like foreclosure, short sales, or bankruptcy. (Meanwhile, people with good credit have more options than ever, including some of the lowest interest rates in decades.) You need an up-to-date guide that can help you assess options, find help, discover opportunities, and take action that works. Liz Weston's Deal with Your Debt, Updated and Revised Edition is that guide. You'll learn which debts can actually help build wealth over time, and which are simply toxic. Weston offers practical guidelines for assessing how much debt is safe -- and compassionate, realistic guidance if you've gone beyond the safety zone. Today, a good credit score is essential for getting decent terms on credit--or for getting credit at all. But that's just the beginning: Your credit score rating can be reviewed by everyone from employers to cell phone carriers. Your Credit Score, Fourth Edition thoroughly covers brand-new laws changing everything from how your credit score can be used to how you can communicate with collectors. This edition also adds simple graphics revealing exactly how much skipped payments, bankruptcies, and other actions will lower your credit ratings, and how long it takes to rebound. Weston updates her expert guidance on using FICO 08 to raise your score, fighting lower limits and higher rates, maintaining the right mix of cards and balances, bouncing back from bad credit, choosing credit "solutions" that help, not hurt… and much more!
In Your Credit Score: How to Improve the 3-Digit Number That Shapes Your Financial Future, fourth edition , Weston thoroughly covers brand-new laws changing everything from how your credit score can be used to how you can communicate with collectors. Weston also updates her guidance on using FICO 08 to raise your score… fighting lower limits or higher rates… maintaining the right mix of cards and balances… bouncing back from bad credit… choosing credit "solutions" that help, not hurt… and much more! In There Are No Dumb Questions About Money , Weston answers your most pressing questions, helping you navigate today's more-complicated-than-ever financial world. Through real-life reader questions and clear, to-the-point answers, Weston shows how to manage your spending, figure out what you can and can't afford, and choose the smartest ways to pay off your debt. You'll discover why most investment strategies don't work, and identify better ways to save for retirement. But you'll also learn to handle the trickier, emotional side of money: how to avoid fights with your partner, deal with spendthrift children or parents, and spot con artists or lousy advisors before you get robbed. Using humor, keen insight, and time-tested financial planning principles, Weston can help you wrangle your money into shape -- and find your own path to financial freedom.
Up-to-Date, Common-Sense Money Answers, from the Internet's #1 Personal Finance Journalist! • Quick, bite-size advice you can understand, trust, and use • Save for retirement, college, or anything else • Pay off debt, the smart way • By award-winning MSN Money/AARP financial columnist and CNBC contributor Liz Weston You can build financial security--and you don't need to be a rocket scientist to do it. This book brings together all the help you'll need, in common-sense language anyone can understand. It's organized around the questions real people have asked Liz Weston, the Internet's #1 financial columnist. Weston's answers are simple, accurate, and up-to-date... and best of all, you can use them. Here are powerful, sensible ways to get out of debt... set financial priorities for a better life... and save for everything from college to retirement. Weston offers realistic, up-to-date help with everything from investing to home buying, from improving your credit score to avoiding identity theft. You'll also learn how to master the emotions of money: to get past the pain, arguments, and guilt, and do what works.
Pulliam Weston (Your Credit Score), columnist for MSN Money and author of the nationally syndicated column "Money Talk," provides a practical, easy-to-understand guide to taking control of personal finances and establishing financial security. Like most financial advice books, this collection covers the basics, such as creating a financial toolkit, investing, planning for retirement and saving for college. While Pulliam Weston provides insights into these areas-especially for those without a financial background-she also charts new territory with her "60 Percent Solution" and "50/30/20 Plan," both aimed at spending control, as well as getting the most out of your credit cards and what to do if you've overspent on a car purchase. An advocate of online banking, Pulliam Weston maps out the right way to pay bills and advocates account aggregation and consolidation. She also provides a useful resource guide for finding a financial planner, a tax professional and an estate planning attorney. Checklists are included in each chapter, as well as helpful charts and tables that aid in getting and staying organized. This book will be a valuable guide on the path to financial control and security. --Publishers Weekly “If you want to simplify your life and make solid decisions—fast—this book is your answer. It’s one more reason Liz remains one of America’s most trusted financial columnists. Quick, easy, and empowering!” —Jennifer Openshaw, Author of The Millionaire Zone and CEO, WinningAdvice.com “As usual, Liz cuts to the chase to provide readers with practical, easy to implement tips for living a rich life. If you follow only half of her on-the-money recommendations you’ll be exponentially better off tomorrow than you are today.” —Lois P. Frankel, Ph.D., Author of Nice Girls Don’t Get Rich and Nice Girls Don’t Get the Corner Office Simplify your financial life... now and forever! • By the Internet’s #1 personal finance expert, MSN’s Liz Pulliam Weston • Stop feeling overwhelmed by your finances: take control, the easy way! • Save time, avoid mistakes, and help secure your future Common sense. Easy solutions. Plain English. Best selling author, Liz Pulliam Weston, takes on the problem everyone has, and nobody talks about: the sheer hassle of managing your money! Weston offers practical guidance and easy checklists for every decision: investments, credit cards, insurance, mortgages, retirement, college savings, and more! Discover how to consolidate, delegate, and automate your finances...save time and money...and live a more rewarding, secure life! www.lizweston.com
Today, people struggling with debt have far fewer options: lenders are stingier, which makes it harder to avert disaster, or to recover from setbacks like foreclosure, short sales, or bankruptcy. (Meanwhile, people with good credit have more options than ever, including some of the lowest interest rates in decades.) Debtors need an up-to-date guide that can help them assess options, find help, discover opportunities, and take action that works. Liz Weston's Deal with Your Debt, Updated and Revised Edition is that guide. In this extensively updated guidebook, Weston shows which debts can actually help build wealth over time, and which are simply toxic. She presents up-to-date, real-world strategies for assessing and paying off debt, including money-saving insights on which debts to tackle first. She also offers practical guidelines for assessing how much debt is safe -- and compassionate, realistic guidance for people who've gone beyond the safety zone. In There Are No Dumb Questions About Money , nationally-renowned personal finance journalist and best-selling author Liz Weston answers your most pressing questions, helping you navigate today's more-complicated-than-ever financial world. Through real-life reader questions and clear, to-the-point answers, Weston shows how to manage your spending, figure out what you can and can't afford, and choose the smartest ways to pay off your debt. You'll discover why most investment strategies don't work, and identify better ways to save for retirement. But you'll also learn to handle the trickier, emotional side of money: how to avoid fights with your partner, deal with spendthrift children or parents, and spot con artists or lousy advisors before you get robbed. Using humor, keen insight, and time-tested financial planning principles, Weston can help you wrangle your money into shape -- and find your own path to financial freedom.
A perfect read as a financial primer. Weston's solid and occasionally humorous writing shines through . . . [and] takes this book from being yet another personal finance book to being an enjoyable read I would recommend."—The Simple Dollar Millions of us skate by from paycheck to paycheck. We all have financial goals we want (or need) to achieve, but are perplexed by how to get there. But expert financial advisor Liz Weston has carved a path, with ten simple strategies that help anyone avoid critical mistakes, survive downturns, and make the numbers work. Debunking well-trod myths (pay down all your debt immediately) while giving unexpectedly brilliant tips (it's okay to let student loans linger), Liz Weston outlines everything you need to become financially viable, including how to: • Know what you can afford • Create a survival plan with cash and credit • Manage "good debt" to get ahead • Save for retirement without sacrificing today
A brand new collection of up-to-the-minute personal finance guidance from award-winning columnist Liz Weston… 4 authoritative books, now in a convenient e-format, at a great price! All the realistic, trustworthy money advice you need! 4 up-to-date books from Liz Weston, America’s #1 personal finance columnist Money! Debt. Credit Scores. Investments. Retirement. College. You need answers you can understand, trust, and actually use! That’s where Liz Weston comes in. In this amazing 4 book collection, America’s #1 personal finance columnist helps you create and execute your own action plan for long-term financial security. No hype, no lectures, no nonsense: just realistic, up-to-the minute help delivered in plain English. Start with the latest edition of Weston’s nationwide best-seller, Your Credit Score, Fourth Edition – complete with brand-new information on protecting (or rebuilding) the 3-digit number that rules your financial life. Learn how today’s credit scores work… exactly how much skipped payments, bankruptcies, and other actions will lower your score… how companies can and can’t use your score against you. Get crucial new information on “FAKO” alternative scores, short sales, foreclosures, FICO 8 mortgage scores, new credit risks from social networking and mobile banking, and how to fight score-related credit limit reductions or higher rates. Next, in Easy Money, learn how to simplify and take control of your financial life, now and forever! Weston takes on the problem everyone has: the sheer hassle of managing money! You’ll find practical guidance and easy checklists for investments, credit cards, insurance, mortgages, retirement, college savings, and more! Discover how to consolidate, delegate, and automate your finances…save time and money…and live a more rewarding, secure life. In Deal With Your Debt, Updated & Revised Edition , Weston offers up-to-the-minute help on averting disaster, recovering from serious money setbacks, getting real help, and taking action that works. Weston reveals why it’s simply impractical to “live forever debt free” - and why trying to do so can actually make you poorer. You’ll find up-to-the-minute strategies for calculating how much debt is safe, and assessing and paying off the right debts first... and if you’re too far in debt, Weston will gently and non-judgmentally guide you back into your “safety zone.” Finally, in There Are No Dumb Questions About Money, Weston offers up-to-date, common sense answers to the financial questions people ask most often. You’ll find quick, sensible advice on setting priorities… choosing investments… saving for college, home-buying, retirement, or other major expenses… getting past the pain, arguments, and guilt surrounding money, and doing what works! From award-winning personal finance expert Liz Weston
Struggling with debt? Get realistic help that's actually useful, from Liz Weston, one of the most popular and respected personal finance experts! Today, people struggling with debt have far fewer options: lenders are stingier, which makes it harder to avert disaster, or to recover from setbacks like foreclosure, short sales, or bankruptcy. (Meanwhile, people with good credit have more options than ever, including some of the lowest interest rates in decades.) You need an up-to-date guide that can help you assess options, find help, discover opportunities, and take action that works. Liz Weston's Deal with Your Debt, Updated and Revised Edition is that guide. Weston reveals why most "conventional wisdom" about debt is just dead wrong. For most people, it's simply impractical to pay off every dime of debt, and live forever debt free. In fact, doing that can leave you a lot poorer in the long run. You're more likely to give up, or pay off the wrong debts. You could leave yourself too little flexibility to survive a financial crisis. You could neglect saving for retirement. You might even wind up in bankruptcy -- just what you're trying to avoid! For most people, it's smarter to control and manage debt effectively. In this extensively updated guide, Weston shows how to do that. You'll learn which debts can actually help build wealth over time, and which are simply toxic. You'll find up-to-date, real-world strategies for assessing and paying off debt, money-saving insights on which debts to tackle first, and crucial information about everything from debt consolidation loans to credit scores and credit counseling. Weston offers practical guidelines for assessing how much debt is safe -- and compassionate, realistic guidance if you've gone beyond the safety zone. If you've ever worried about debt, you'll find the new edition of Deal with Your Debt absolutely indispensable.
Your Credit Score, Fourth Edition thoroughly covers brand-new laws changing everything from how your credit score can be used to how you can communicate with collectors.
Your Credit Score, Fourth Edition thoroughly covers brand-new laws changing everything from how your credit score can be used to how you can communicate with collectors.
Daughter of France follows the unpredictable journey of Anne-Marie de la Marche through a sweeping story of scandal and intrigue on the eve of the French Revolution. When the beautiful Austrian Countess von Falkenstein meets an untimely death by poison, her illegitimate daughter, Anne-Marie, must begin a new life in a foreign country with an unknown father, the powerful and influential Duke de la Marche, Prince of the Blood through the Cond line and cousin to the King of France. Despite Anne-Maries heartfelt passion for a Cornish seaman named David Weston, her fathers ambitions will separate her from that love and plunge her headlong into the intrigues and decadence of the court of Versailles, as well as place her in position to steal the heart of Frances most dangerous nobleman, Louis Philippe, the Duke dOrlans. But Anne-Marie has her own dangerous ambitions. While awaiting death, her mother had bequeathed to her an ancient and legendary diamond necklace that was denied her in the chaotic aftermath of her mothers passing. Anne-Marie believed the necklace lost, until she learns that it has found its way to France and been incorporated into the perilously expensive and gargantuan creation known as The Queens Necklace, designed for Marie Antoinette herself. However, she soon discovers that there are others plotting to steal the necklace for themselves, and that even the Queen herself might be involved. Enlisting the aid of the mysterious and prescient Count di Cagliostro to help her recover it for herself, Anne-Marie becomes inextricably enmeshed in the enigmatic and portentous Affair of the Diamond Necklace that brings the monarchy of France to its knees and places her own life in perpetual danger. What will be Anne-Maries ultimate fate? Only time will tell. Also available for purchase online at Amazon, Barnes and Noble and Borders. Dont forget to checkout Liz Forrests newest release, At Daggers Drawn, also available here at Xlibris and at Amazon and B&N Reviews "Exquisitely crafted rags-to-riches tale set in pre-Revolutionary France, encompassing the historical Affair of the Diamond Necklace . . . Forrest amazes and delights from the very first paragraph . . . An absolute must-read for fans of French history and intrigue." Kirkus Discoveries. ". . . a grand adventure, a sweeping story with lively, vividly portrayed characters solidly grounded in place and time. The historical figures as well as the fictional are fully rounded human beings that make their mark on the events of the day and on the readers memory. This novel is so engrossing . . ." -- Sally Darling, narrator for Talking Books and Recorded Books. "Liz Forrest, like Thomas Carlyle, Alexander Dumas and Isaac Azimov before her, has fashioned irresistible fiction . . . A riveting read!" -- Chester Brigham, author of Gloucesters Bargain With the Sea and The Stream I Go A-Fishin In. "Daughter Of France by Liz Forrest is a must read novel for any historical fiction enthusiast. I am a voracious reader and found this novel to be addicting. . ." -- Reviewer at Barnes and Noble on line. "The characters are well developed and the story has enough romance, history, plots, scandals, twists and turns to satisfy anyone. If you like to park yourself in the great outdoors with a good book, you cant do better than this one. . ." -- Reviewer at aLibris on line.
Worry about cholesterol. Avoid red meat. Eat whole grains. Could it all be a lie? We live in an era of health hype and nutrition propaganda, and we’re suffering for it. Decades of avoiding egg yolks, choosing margarine over butter, and replacing the real foods of our ancestors with low-fat, processed, packaged substitutes have left us with an obesity epidemic, ever-rising rates of chronic disease, and, above all, total confusion about what to eat and why. This is a tragedy of misinformation, food industry shenanigans, and cheap calories disguised as health food. It turns out that everything we’ve been told about how to eat is wrong. Fat and cholesterol are harmful to your health? Nope—they are crucial to your health. “Whole grains” are health food? Not even close. Counting calories is the way to lose weight? Not gonna work—nutrients are what matter. Nutrition can come from a box, bag, or capsule? Don’t count on it! In Eat the Yolks, Liz Wolfe debunks all these myths and more, revealing what’s behind the lies and bringing the truth about fat, cholesterol, protein, and carbs to light. You’ll be amazed at the tall tales we’ve been told in the name of “healthy eating.” With wit and grace, Wolfe makes a compelling argument for a diet based on Paleo foods. She takes us back to the foods of our ancestors, combining the lessons of history with those of modern science to uncover why real, whole food—the kind humans ate for thousands of years before modern nutrition dogma led us astray—holds the key to amazing health and happy taste buds. In Eat the Yolks, Liz Wolfe doesn’t just make a case for eating the whole egg. She uncovers the shocking lies we’ve been told about fat, cholesterol, protein, carbs, and calories and brings us the truth about which foods are healthy—and which foods are really harming us. You’ll learn truths like: • fat and cholesterol are crucial, not harmful . . . and why • “whole grains” are processed foods . . . and what to eat instead • counting calories is a waste of energy . . . and what we actually should be tracking • all animal products are not created equal . . . and which ones we truly need • nutrition doesn’t come in a box, bag, or capsule . . . and why there’s no substitute for real food!
In this major work on landscape photography, extensively illustrated in colour and black & white, Liz Wells is concerned with the ways in which photographers engage with issues about land, its representation and idealisation. She demonstrates how the visual interpretation of land as landscape reflects and reinforces contemporary political, social and environmental attitudes. She also asks what is at stake in landscape photography now through placing critical appraisal of key examples of work by photographers working in, for example, the USA, in Europe, Scandinavia and Baltic areas, within broader art historical and political concerns. This illuminating book will interest readers in photography and media, geography, art history and travel, as well as those concerned with environmental issues.
Complete Tort Law: Text, Cases, & Materials combines extracts from a wide range of recent cases with clear explanatory text to create a complete resource for students. A wealth of features provide a high level of support, making this an ideal introduction to tort law.
The Cocker Spaniel has been making her way into the hearts and homes of American families for generations. She’s admired for her luxurious coat, her dark, soulful eyes, and those adorable crimped ears. The smallest of the hunting spaniels, the Cocker is a spectacular companion dog who can bring years of merriment, playfulness, and devotion to her beloved human family. Packed with full-color photographs, this fun and practical guide gives you everything you need to make your relationship with your best friend even better. Inside, you’ll find: Characteristics to look for when choosing a Cocker Spaniel A list of supplies you’ll need before you bring your Cocker home Advice on grooming, feeding, and training A reproducible pet-sitter chart to keep track of important information
When her decree absolute arrives in the post with her 50th birthday cards Alison Turner wonders if middle age life can get any worse. When the highlights of the last year include being told off by the plumber for 'putting feminine items of hygiene down the lavatory', and her husband leaving her for a 28-year-old 'bimbo', it's easy to understand why Alison exclaims in her diary, 'I do not want another year like that. I must get a new plumber.' But if the romantic aspect of Alison's life leaves a lot to be desired (including sex, which is something the rest of her family appear to be enjoying) the everyday aspect is full of incident. In a year of well-intentioned ineptitude, as Alison records in her diary, she is thrown out of a pub for the first time in her life, begins to diet eight times (at least), finds out twelve unappealing things about dogs and discovers that first impressions can sometimes be misleading.
NATIONAL BESTSELLER “One of the best books I’ve read in a long, long time.” —Lucy Foley, #1 New York Times bestselling author of The Paris Apartment “I loved every damn second of it!” —Lisa Jewell, #1 New York Times bestselling author of The Family Remains “Dark, compelling, and deeply moving.” —Ruth Ware, New York Times bestselling author of Zero Days and The It Girl The internationally bestselling author of the “dark, captivating psychological thriller” (People) Lying in Wait returns with a wickedly dark, twisted, and brilliantly observed new novel about an enigmatic woman confronting her unknown past. For Sally Diamond, people are confusing, unpredictable, and hard to read. She has always preferred routines to spontaneity, silence to noise, and forthright communication to small talk. Adopted at the age of seven by a psychiatrist, she cannot remember any details of her childhood before that age. Now, at forty-three years old, the truth comes into sharp focus when Sally’s past becomes headline news: she endured something unthinkable as a child, and now, the entire world knows exactly who she is…and was. Suddenly, Sally finds herself in the spotlight. People everywhere are digging into her past, ravenous for details, and Sally herself is learning things about herself and her family that she never knew before. Soon, a stranger from New Zealand sends her a familiar teddy bear in the mail, but why does he insist on addressing her as Mary? And why is her new neighbor so obsessed with her? Told from the alternating perspectives of Sally in the present-day and a boy named Peter in the past, this is a novel that confronts the trauma of family secrets and explores one woman’s brave decision to define herself and her future.
What if you had real magic within you . . . ? The utterly spellbinding new novel from the celebrated author of THE GIFTS 1896. As a group of illusionists prepare for a grand spectacle, one young woman, Cecily Marsden, harbours a secret. For she possesses impossible powers - powers she little understands. Meanwhile Eadie Carleton, a pioneering early film-maker, struggles for her talent to be taken seriously, and a talented magician, George Perris, begins to see the potential in moving pictures. But in order to achieve his dreams, George must first win over Miss Carleton . . . As Cecily, George and Eadie's worlds collide, Cec finds herself facing the fight of her life to save the grand performance from sabotage - and harness the real magic held deep within her . . . 'Charming and intriguing, sparkling with magic' Jennifer Saint 'A book to disappear into' Joanne Burn 'Spellbinding. Unputdownable' Louise Hare 'Simply not to be missed' My Weekly 'Captivating and fascinating' LoveReading 'Filled with wonders' Essie Fox 'Enchanting' Freya Berry 'A glorious Victorian delight. I adored it' Katie Lumsden 'Every bit as magical as the magic it describes' Sonia Velton 'Utterly beguiling' Amanda Mason
This book "is a pioneering text that recognises the importance of this area of the tourism industry. It brings together an international contributor team of experts and uses leading research to examine the specialist nature of the food and wine festival/event and the linkages that exist between food, festivity and place. Divided into three parts, the book looks at Food Festivals, Wine /Drink Festivals and Farmers Markets. Each section has an introductory chapter which will set the context and provide an overview of current activity in that particular area." - product description.
Housing is an essential, but complex, product, so complex that professionals involved in its production, namely, architects, real estate developers and urban planners, have difficulty agreeing on “good” housing outcomes. Less-than-optimal solutions that have resulted from a too narrow focus on one discipline over others are familiar: high design that is costly to build that makes little contribution to the public realm, highly profitable but seemingly identical “cookie-cutter” dwellings with no sense of place and well-planned neighborhoods full of generically designed, unmarketable product types. Differing roles, languages and criteria for success shape these perspectives, which, in turn, influence attitudes about housing regulation. Real estate developers, for example, prefer projects that can be built “as-of-right” or “by-right,” meaning that they can be approved quickly because they meet all current planning, zoning and building code requirements. Design-focused projects, heretofore “by-design,” by contrast, often require time to challenge existing regulatory codes, pursuing discretionary modifications meant to maximize design innovation and development potential. Meanwhile, urban planners work to establish and mediate the threshold between by-right and by-design processes by setting housing standards and determining appropriate housing policy. But just what is the right line between “by-right” and “by-design”? By-Right, By-Design provides a historical perspective, conceptual frameworks and practical strategies that cross and connect the diverse professions involved in housing production. The heart of the book is a set of six cross-disciplinary comparative case studies, each examining a significant Los Angeles housing design precedent approved by-variance and its associated development type approved as of right. Each comparison tells a different story about the often-hidden relationships among the three primary disciplines shaping the built environment, some of which uphold, and others of which transgress, conventional disciplinary stereotypes.
This joyful book gives you the confidence and skills to paint lively, contemporary faces and characters. Unusually, it teaches how to paint before exploring the drawing skillset necessary to capture a likeness, and thereby encourages the artist to try this genre. By explaining the techniques in clear steps with plenty of examples, it makes painting exciting and energetic portraits achievable for all.
Around the world, schools are being asked to offer new services to students, families and communities in order to overcome the effects of disadvantage. This book critically examines the role of full service and extended schools.
Chatham, New Jersey is a small town situated on the banks of the Passaic River. The first visitors were the Lenni Lenape Indians who stopped in Chatham on their annual migration from Sussex County to the Atlantic Ocean. They called the river the "Fishawack". In late August of 1781, while his troops were camped in Morristown, George Washington wrote seventeen letters from a Chatham homestead. After the Revolutionary War, Chatham's convenient location, just a day's journey from New York City, made it a popular overnight stop for east-west travelers. The mid nineteenth century brought vacationers from Newark and New York City to enjoy Chatham's "salubrious air." Drawn to the bucolic setting, many vacationers returned to make Chatham their home. Today Chatham is a bustling commuter suburb. Its tenuous ties to a simpler time exist mainly in the memories of its citizens. A native Chathamite, Liz Holler chronicles those times. From Swimming with the Roses to The Tea Room Era, Liz's stories depict life in a small town by the river. These vignettes, first published in the Chatham Historical Society newsletters, depict a moment in time that adds to Chatham's rich past.
A perfect read as a financial primer. Weston's solid and occasionally humorous writing shines through . . . [and] takes this book from being yet another personal finance book to being an enjoyable read I would recommend."—The Simple Dollar Millions of us skate by from paycheck to paycheck. We all have financial goals we want (or need) to achieve, but are perplexed by how to get there. But expert financial advisor Liz Weston has carved a path, with ten simple strategies that help anyone avoid critical mistakes, survive downturns, and make the numbers work. Debunking well-trod myths (pay down all your debt immediately) while giving unexpectedly brilliant tips (it's okay to let student loans linger), Liz Weston outlines everything you need to become financially viable, including how to: • Know what you can afford • Create a survival plan with cash and credit • Manage "good debt" to get ahead • Save for retirement without sacrificing today
This is the eBook version of the printed book. This Element is an excerpt from Easy Money: How to Simplify Your Finances and Get What You Want Out of Life (9780132383837), by Liz Pulliam Weston. Available in print and digital formats. Figuring out where you are financially--so you can figure out where you want to go. You need to clearly understand where you are and resolve some of the niggling details of your finances before you can take a deep breath and decide where to go next. Let’s start with a fun little exercise involving the benefits estimate that the Social Security Administration sends you every year. If you lost your last one, you can....
Improve your credit score, for real, with the #1 best-selling guide you can trust! Today, a good credit score is essential for getting credit, getting a job, even getting car insurance or a cellphone. Now, best selling journalist Liz Pulliam Weston has thoroughly updated her top-selling guide to credit scores, with crucial new information for protecting (or rebuilding) yours. Weston thoroughly covers brand-new laws and rules surrounding credit scoring — including some surprising good news and some frightening new risks. Don’t settle for an out-of-date guide to credit scoring, when Your Credit Score, Fifth Edition offers brand-new coverage of all this, and more: Recent consumer-friendly reforms in lending, credit score calculation, and credit bureau behavior — and how to take advantage of them How you can finally get your credit disputes reviewed by an actual human being Why recent medical debts shouldn’t impact your score anymore How to get a legitimately free FICO score without getting ripped off How lenders have recently loosened their criteria, making it easier to get loans even if your credit isn’t perfect Important new options for student loan borrowers — including brand-new ways to dramatically limit your payments How tax refund fraud is soaring — and the one little-known way to avoid becoming a victim The disappearance of "manual underwriting": why it’s now virtually impossible to get a mortgage without credit scores Weston updates her guidance on raising your FICO score... fighting lower limits or higher rates... maintaining the right mix of cards and balances... bouncing back from bad credit... choosing credit "solutions" that help, not hurt... explodes both new and old myths about credit scoring... and much more. Your Credit Score is for every consumer who is concerned about improving or protecting their credit — and it’s so up-to-date and useful, thousands of financial professionals use it, too!
Today, a good credit score is essential for getting decent terms on credit--or for getting credit at all. But that's just the beginning: You're now being judged on your credit score by everyone from employers to cellphone carriers. Now, MSNBC/L.A. Times journalist Liz Weston has thoroughly updated her best-selling guide to credit scores, with crucial new information for protecting (or rebuilding) yours. "Your Credit Score, Fourth Edition" thoroughly covers brand-new laws changing everything from how your credit score can be used to how you can communicate with collectors. This edition also adds simple graphics revealing exactly how much skipped payments, bankruptcies, and other actions will lower your scores, and how long it takes to rebound. You'll find new information on "FAKO" alternative scores... expanded coverage of short sales, foreclosures, the new FICO 8 Mortgage Score, and when to "walk away" from a mortgage... guidance on protecting yourself against new credit risks from social networking and mobile banking... expanded coverage of credit scoring by insurers... and an all-new chapter on safeguarding against unethical or illegal use of credit scores by employers. Weston updates her expert guidance on using FICO 08 to raise your score... fighting lower limits and higher rates... maintaining the right mix of cards and balances... bouncing back from bad credit... choosing credit "solutions" that help, not hurt... and much more
Struggling with debt? Get realistic help that's actually useful, from Liz Weston, one of the most popular and respected personal finance experts! Today, people struggling with debt have far fewer options: lenders are stingier, which makes it harder to avert disaster, or to recover from setbacks like foreclosure, short sales, or bankruptcy. (Meanwhile, people with good credit have more options than ever, including some of the lowest interest rates in decades.) You need an up-to-date guide that can help you assess options, find help, discover opportunities, and take action that works. Liz Weston's Deal with Your Debt, Updated and Revised Edition is that guide. Weston reveals why most "conventional wisdom" about debt is just dead wrong. For most people, it's simply impractical to pay off every dime of debt, and live forever debt free. In fact, doing that can leave you a lot poorer in the long run. You're more likely to give up, or pay off the wrong debts. You could leave yourself too little flexibility to survive a financial crisis. You could neglect saving for retirement. You might even wind up in bankruptcy -- just what you're trying to avoid! For most people, it's smarter to control and manage debt effectively. In this extensively updated guide, Weston shows how to do that. You'll learn which debts can actually help build wealth over time, and which are simply toxic. You'll find up-to-date, real-world strategies for assessing and paying off debt, money-saving insights on which debts to tackle first, and crucial information about everything from debt consolidation loans to credit scores and credit counseling. Weston offers practical guidelines for assessing how much debt is safe -- and compassionate, realistic guidance if you've gone beyond the safety zone. If you've ever worried about debt, you'll find the new edition of Deal with Your Debt absolutely indispensable.
An overview of the key current and emerging issues of financial reporting in the UK and internationally. Among the questions considered are: is the ASB going in the right direction?; can the ISAC meet its timetable?; and what makes a good corporate report?
Today, people struggling with debt have far fewer options: lenders are stingier, which makes it harder to avert disaster, or to recover from setbacks like foreclosure, short sales, or bankruptcy. (Meanwhile, people with good credit have more options than ever, including some of the lowest interest rates in decades.) Debtors need an up-to-date guide that can help them assess options, find help, discover opportunities, and take action that works. Liz Weston's Deal with Your Debt, Updated and Revised Edition is that guide. In this extensively updated guidebook, Weston shows which debts can actually help build wealth over time, and which are simply toxic. She presents up-to-date, real-world strategies for assessing and paying off debt, including money-saving insights on which debts to tackle first. She also offers practical guidelines for assessing how much debt is safe -- and compassionate, realistic guidance for people who've gone beyond the safety zone. In There Are No Dumb Questions About Money , nationally-renowned personal finance journalist and best-selling author Liz Weston answers your most pressing questions, helping you navigate today's more-complicated-than-ever financial world. Through real-life reader questions and clear, to-the-point answers, Weston shows how to manage your spending, figure out what you can and can't afford, and choose the smartest ways to pay off your debt. You'll discover why most investment strategies don't work, and identify better ways to save for retirement. But you'll also learn to handle the trickier, emotional side of money: how to avoid fights with your partner, deal with spendthrift children or parents, and spot con artists or lousy advisors before you get robbed. Using humor, keen insight, and time-tested financial planning principles, Weston can help you wrangle your money into shape -- and find your own path to financial freedom.
Pulliam Weston (Your Credit Score), columnist for MSN Money and author of the nationally syndicated column "Money Talk," provides a practical, easy-to-understand guide to taking control of personal finances and establishing financial security. Like most financial advice books, this collection covers the basics, such as creating a financial toolkit, investing, planning for retirement and saving for college. While Pulliam Weston provides insights into these areas-especially for those without a financial background-she also charts new territory with her "60 Percent Solution" and "50/30/20 Plan," both aimed at spending control, as well as getting the most out of your credit cards and what to do if you've overspent on a car purchase. An advocate of online banking, Pulliam Weston maps out the right way to pay bills and advocates account aggregation and consolidation. She also provides a useful resource guide for finding a financial planner, a tax professional and an estate planning attorney. Checklists are included in each chapter, as well as helpful charts and tables that aid in getting and staying organized. This book will be a valuable guide on the path to financial control and security. --Publishers Weekly “If you want to simplify your life and make solid decisions—fast—this book is your answer. It’s one more reason Liz remains one of America’s most trusted financial columnists. Quick, easy, and empowering!” —Jennifer Openshaw, Author of The Millionaire Zone and CEO, WinningAdvice.com “As usual, Liz cuts to the chase to provide readers with practical, easy to implement tips for living a rich life. If you follow only half of her on-the-money recommendations you’ll be exponentially better off tomorrow than you are today.” —Lois P. Frankel, Ph.D., Author of Nice Girls Don’t Get Rich and Nice Girls Don’t Get the Corner Office Simplify your financial life... now and forever! • By the Internet’s #1 personal finance expert, MSN’s Liz Pulliam Weston • Stop feeling overwhelmed by your finances: take control, the easy way! • Save time, avoid mistakes, and help secure your future Common sense. Easy solutions. Plain English. Best selling author, Liz Pulliam Weston, takes on the problem everyone has, and nobody talks about: the sheer hassle of managing your money! Weston offers practical guidance and easy checklists for every decision: investments, credit cards, insurance, mortgages, retirement, college savings, and more! Discover how to consolidate, delegate, and automate your finances...save time and money...and live a more rewarding, secure life! www.lizweston.com
A compelling and thoroughly researched account of the CWA of NSW - its beginnings, its remarkable achievements and the indomitable women who have driven each one of its many successes. In 1922 a group of determined women from both the city and the country joined forces to change the lives of Australian families in the bush. Many had found their voices campaigning for the right to vote. Now they had no intention of sitting quietly at home while women and children suffered and died in their thousands from preventable causes. One hundred years on, the iconic Country Women's Association is famous for making scones, stitching handicrafts and raising money for worthy causes. But there is so much more to this national treasure. Refusing to give up or sit back and wait for governments to act, the CWA has always taken a forthright approach to getting things done. And, despite its conservative reputation, it has often pursued radical agendas ahead of their time. In the 1920s the CWA built hospitals and baby health clinics. In the 1930s it worked to save the Australian wool industry and encouraged women to take an interest in international affairs. During the Second World War it became a household name for reliability in a crisis. In the 1950s it set up branches in Aboriginal communities. A decade later it challenged public perceptions of mental illness. During the early 2000s it protested against new coal mines. In The Women that Changed Country Australia, best-selling author Liz Harfull reveals how the CWA struggled into existence, beset by clashing personalities and moments of high drama. In fitting tribute, it celebrates the CWA's astonishing achievements and the remarkable women who have led it, while coping with their own personal tragedies. Along the way, generations of grassroots members created what one prime minister described as a 'power in the land'. And they're not done yet!
“A great credit score can help you finish rich! Liz Pulliam Weston gives solid, easy-to-understand advice about how to improve your credit fast. Read this book and prosper.” David Bach, bestselling author of The Automatic Millionaire and The Automatic Millionaire Homeowner “Excellent book! Insightful, well written, and surprisingly interesting. Liz Pulliam Weston has done an outstanding job demystifying an often intimidating and frustrating topic for the benefit of all consumers.” Eric Tyson, syndicated columnist and bestselling author of Personal Finance for Dummies “No one makes complex financial information easy to understand like Liz Pulliam Weston. Her straight-talk and wise advice are invaluable to anyone with a credit card or check book—and that’s just about all of us.” Lois P. Frankel, Ph.D., author of Nice Girls Don’t Get the Corner Office and Nice Girls Don’t Get Rich “In a country where consumers increasingly pay more when they have bad credit, Liz Pulliam Weston’s book provides excellent tips and advice on ways to improve your credit history and raise your credit score. If you just apply one or two of her insightful suggestions, you’ll save many times the cost of this book.” Ilyce R. Glink, financial reporter, talk show host, and bestselling author of 100 Questions Every First-Time Home Buyer Should Ask “Your credit score can save you money or cost you money—sometimes a lot of money. Yet, most people don’t even know their scores, much less know how to make them better. Liz Pulliam Weston can help you fix that. In this easy-to-understand guide you’ll learn how to make sure your score helps you get the best deal on loans and insurance. You can’t afford not to read it.” Gerri Detweiler, consumer advocate and founder of UltimateCredit.com The #1 Best-Selling Guide to Improving Your Credit Score... Now Thoroughly Updated for the Financial Crisis! In post-crash America, it’s tough to get credit...and even tougher to get rates and terms you can afford. That makes your credit score more important than ever before. Now, MSN Money/L.A. Times personal finance columnist Liz Pulliam Weston has updated her best-selling book on credit scores to show how you can maximize your score right now—and save yourself a fortune! Weston reveals the tough new realities of borrowing and credit scoring, and shows why they aren’t going to change any time soon. She rips away the mystery surrounding credit scoring, including the FICO 08 overhaul, and tells you exactly how to use the new system to maximize your score. You’ll learn how to fight back against lenders who want to lower your limits or raise your rates...bounce back from bad credit and bankruptcy...choose the right credit solutions and avoid options that only make things worse. One step at a time, Weston will help you build (or rebuild) your credit score—so you can get the credit you need and deserve! Survive a credit crisis, one step at a time How to protect or rebuild your credit score after a major financial setback Fix your credit score in as little as 72 hours Rapid rescoring: what it can fix, what it can’t fix, and how to use it Don’t let the myths of credit scoring cost you a fortune! What you’ve been told just isn’t true: how credit scores really work What drives your score—and what doesn’t The real impact of credit cards, loans, late payments, inquiries, credit counseling, and more
Animation is a limitless medium for telling stories. Artists can create worlds, defy gravity, flip from factual to fantasy, and transport audiences to places they never imagined. The challenge is having the discipline to reel it in and be intentional about your storytelling choices. This book shows you how. In Animated Storytelling, you’ll learn how to create memorable stories using animation and motion graphics by following 10 simple guidelines that take you through the stages of concept development, pre-production, storyboarding, and design. Award-winning animator Liz Blazer uses clear examples and easy-to-follow exercises to provide you with the instruction, encouragement, and tools you need to get your designs moving. Whether your goal is to create exciting shorts for film festivals, effective messaging for broadcast or online, or simply to gain a deeper understanding of the medium, Animated Storytelling simplifies the process of creating clear and engaging stories for animation and motion graphics so you can get started easily. In Animated Storytelling, you’ll learn how to: Write a creative brief for your project Find and communicate your story’s big idea Create a tight story using linear and nonlinear story structures Use color to clarify and enrich your story Define the rules for your animated world, and commit to them Ease into the challenging task of animation Make the work you want to be hired to do Share your work with the world!
A queen makes another kind of debut in the sixth installment of Whitehall, an episodic royal tale full of true history and sensual intrigue, new from Serial Box Publishing. When it comes to the theater, sometimes the audience holds more drama than the stage. Jenny the servant girl gets a taste for life’s pleasures, while Catherine seeks to find her footing in a court still ruled by the tempestuous Barbara. This episode is brought to you by Mary Robinette Kowal, who asks that you please be seated and turn your attention to the stage.
This latest edition of AS Law has been fully updated to meet the requirements of the most recent changes to the specifications of both AQA and OCR examination boards. This title is tailored to the NEW four-module specifications for both AQA and OCR (although also suitable for the existing six-module specifications) includes a new chapter on Contract as part of the section on The Concept of Liability contains coverage of recent legal changes includes the effects of the Constitutional Reform Act 2005, especially concerning appointment of judges and the role of senior officers, such as the Lord Chancellor; reform of the powers of the police; recent statutes and cases particularly useful in preparing for questions involving judicial precedent and statutory interpretation. is written by authors who are experienced teachers, writers and examiners for AS/A-level law.
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