Posts tagged "Price"

The Working Poor: Invisible in America

The Working Poor: Invisible in America

The Working Poor: Invisible in America

  • hard fact and personal testimony

“Nobody who works hard should be poor in America,” writes Pulitzer Prize winner David Shipler. Clear-headed, rigorous, and compassionate, he journeys deeply into the lives of individual store clerks and factory workers, farm laborers and sweat-shop seamstresses, illegal immigrants in menial jobs and Americans saddled with immense student loans and paltry wages. They are known as the working poor.

They perform labor essential to America’s comfort. They are white and black, Latino and Asian–men and women in small towns and city slums trapped near the poverty line, where the margins are so tight that even minor setbacks can cause devastating chain reactions. Shipler shows how liberals and conservatives are both partly right–that practically every life story contains failure by both the society and the individual. Braced by hard fact and personal testimony, he unravels the forces that confine people in the quagmire of low wages. And unlike most works on poverty, this book also offers compelling portraits of employers struggling against razor-thin profits and competition from abroad. With pointed recommendations for change that challenge Republicans and Democrats alike, The Working Poor stands to make a difference.The Working Poor examines the “forgotten America” where “millions live in the shadow of prosperity, in the twilight between poverty and well-being.” These are citizens for whom the American Dream is out of reach despite their willingness to work hard. Struggling to simply survive, they live so close to the edge of poverty that a minor obstacle, such as a car breakdown or a temporary illness, can lead to a downward financial spiral that can prove impossible to reverse. David Shipler interviewed many such working people for this book and his profiles offer an intimate look at what it is like to be trapped in a cycle of dead-end jobs without benefits or opportunities for advancement. He shows how some negotiate a broken welfare system that is designed to help yet often does not, while others proudly refuse any sort of government assistance, even to their detriment. Still others have no idea that help is available at all.

“As a culture, the United States is not quite sure about the causes of poverty, and is therefore uncertain about the solutions,” he writes. Though he details many ways in which current assistance programs could be more effective and rational, he does not believe that government alone, nor any other single variable, can solve the problem. Instead, a combination of things are required, beginning with the political will needed to create a relief system “that recognizes both the society’s obligation through government and business, and the individual’s obligation through labor and family.” He does propose some specific steps in the right direction such as altering the current wage structure, creating more vocational programs (in both the public and private sectors), developing a fairer way to distribute school funding, and implementing basic national health care.

Prepare to have any preconceived notions about those living in poverty in America challenged by this affecting book. —Shawn Carkonen

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Posted by getloans - September 3, 2013 at 9:37 am

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Credit Risk Management In and Out of the Financial Crisis: New Approaches to Value at Risk and Other Paradigms (Wiley Finance) Reviews

Credit Risk Management In and Out of the Financial Crisis: New Approaches to Value at Risk and Other Paradigms (Wiley Finance)

Credit Risk Management In and Out of the Financial Crisis: New Approaches to Value at Risk and Other Paradigms (Wiley Finance)

A classic book on credit risk management is updated to reflect the current economic crisis

Credit Risk Management In and Out of the Financial Crisis dissects the 2007-2008 credit crisis and provides solutions for professionals looking to better manage risk through modeling and new technology. This book is a complete update to Credit Risk Measurement: New Approaches to Value at Risk and Other Paradigms, reflecting events stemming from the recent credit crisis.

Authors Anthony Saunders and Linda Allen address everything from the implications of new regulations to how the new rules will change everyday activity in the finance industry. They also provide techniques for modeling-credit scoring, structural, and reduced form models-while offering sound advice for stress testing credit risk models and when to accept or reject loans.

  • Breaks down the latest credit risk measurement and modeling techniques and simplifies many of the technical and analytical details surrounding them
  • Concentrates on the underlying economics to objectively evaluate new models
  • Includes new chapters on how to prevent another crisis from occurring

Understanding credit risk measurement is now more important than ever. Credit Risk Management In and Out of the Financial Crisis will solidify your knowledge of this dynamic discipline.

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Posted by getloans - August 30, 2013 at 8:40 am

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Insider’s Guide to Small Business Loans (PSI Successful Business Library)

Insider’s Guide to Small Business Loans (PSI Successful Business Library)

Insider's Guide to Small Business Loans (PSI Successful Business Library)

Packed with helpful resources such as SBIC directories, SBA offices,microloan lenders,a nd a complete nationwide listing of certified and preferred lenders–plus more than a dozen invaluable worksheets and forms.

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Posted by getloans - August 29, 2013 at 8:08 am

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Clark Howard’s Living Large in Lean Times: 250+ Ways to Buy Smarter, Spend Smarter, and Save Money

Clark Howard’s Living Large in Lean Times: 250+ Ways to Buy Smarter, Spend Smarter, and Save Money

Clark Howard's Living Large in Lean Times: 250+ Ways to Buy Smarter, Spend Smarter, and Save Money

Clark Howard is a media powerhouse and penny-pincher extraordinaire who knows a thing or two about money. A lifelong entrepreneur who is now the hugely popular host of a talk radio program and television show and the bestselling author of several books, Clark consistently delivers expert financial advice to his wide and devoted fan base.

Living Large in Lean Times is Clark’s ultimate guide to saving money, covering everything from cell phones to student loans, coupon websites to mortgages, investing to electric bills, and beyond. In his candid and friendly next-door-neighbor manner, Clark shares the small, manageable steps everyone can follow to build a path towards independence and wealth. Chock-full of more than 250 invaluable tips, the book outlines how to:

  • Locate missing and unclaimed money in your name
  • Lower your student loan payment
  • Find legitimate work-at-home opportunities
  • Get unlimited texting and e-mailing for less than per month
  • Know what personal info not to post to social media sites
  • Determine the best mortgage rate, and much, much more

As Clark demonstrates, there are myriad ways to reduce debt, buy smarter, and build a future. Follow his lead and he’ll get you there.

List Price: $ 18.00

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Posted by getloans - August 14, 2013 at 8:30 am

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Scam Proof Your Online Shopping – Safety Tips For Shopping Online (Online Shopping Credit Card Safety)

Scam Proof Your Online Shopping – Safety Tips For Shopping Online (Online Shopping Credit Card Safety)

Scam Proof Your Online Shopping - Safety Tips For Shopping Online (Online Shopping Credit Card Safety)

Safety measures for shopping online are not a mere luxury but a key necessity. Millions of credit cards are compromised every day online and the truth is – no one is really safe. People have lost thousands and some millions at the hands of online scammers and hackers who have mastered the art of scamming by using various methods, which are discussed extensively in this Scam proof shopping Guide.

What makes matters worse is the fact that more than half of the people who are scammed are not aware of the scams or have no idea that they have been hacked (not even when they receive their bills). This is why it is important to always take the necessary precautions when shopping online in order to avoid being scammed knowingly or unknowingly. Do not think just because you’ve shopped a million times online before then you are safe – no you are not! Just like a car accident, it takes one moment to become a victim of cyber crime. Chances are you’ve already been scammed once or twice before and you don’t know about it.

Truth is there are a number of articles and guides that offer safety tips for shopping online and if you have the time you can spend the next week or two to search and read them one by one. Alternatively (and more recommended) download this book instantly and within minutes you will have all the information you will ever need to stay safe online (at least for the next 12 months until new scamming methods are discovered). Within the next hour you should have the entire armory you need to avoid falling prey of the unscrupulous scammers, hackers and untrustworthy sites online.
This comprehensive online shopping safety guide offers information about credit card safety, spotting fake sites and keeping phishers at bay. It is exactly what you need as we are excitedly headed for the Christmas shopping season. Yes! This Safe shopping Guide offers online holiday shopping safety tips as well.

It is structured around 10 safety tips for shopping online but you will also find additional information about general practices to stay safe while surfing the internet. The last chapter contains some action steps you should be using every day. You are probably utilizing just one out of all the ones listed there.
Don’t expect a course about how to shop online (it is so easy you do not need a book for that) or a list of best sites to shop from (these change every now and then) rather expect useful information about credit card security advice, Online security and payment systems, online security breaches and certification and online shopping safety precautions to take to avoid becoming a victim. We will teach you the methods to apply when checking any site in existence online. Our goal is to provide you with a quick win formula you can start using two hours from now.

Grab yourself a copy now, master the vital skill of avoiding online scams and be safe for your everyday and holiday shopping online.

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Posted by getloans - August 13, 2013 at 8:05 am

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The Only Investment Guide You’ll Ever Need

The Only Investment Guide You’ll Ever Need

The Only Investment Guide You'll Ever Need

For more than thirty years, The Only Investment Guide You’ll Ever Need has been a favorite finance guide, earning the allegiance of more than a million readers across the United States. Now even more indispensable, this completely revised and updated edition will show readers how to use money to their best advantage in the wake of epochal change on Wall Street, no matter how much or how little they may have.
Using concise, witty, and truly understandable tips and explanations, Tobias delivers sensible advice and useful information, covering topics such as
• How virtually any reader can save more than ,000 a year
• How and when to invest in stocks

• The “safest investment in the world”
• and much, much more.

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Posted by getloans - August 12, 2013 at 8:57 am

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Real Estate Investing For Dummies, 2nd Edition

Real Estate Investing For Dummies, 2nd Edition

Real Estate Investing For Dummies, 2nd Edition

Real Estate Investing For Dummies, 2nd Edition, is completely revised and updated to help you overcome the challenges and and take advantage of the opportunities in any real estate environment, including a down market. But Eric Tyson and Robert Griswold’s core message remains as relevant today as it did upon the initial publication of Real Estate Investing For Dummies — investing in real estate is time-tested vehicle to build wealth in the long term. Tyson and Griswold don’t tell you how to become a millionaire overnight. Instead, they offer proven, practical, and actionable advice so that if you chose to invest in income-producing properties, you can do so wisely and confidently.

List Price: $ 21.99

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Posted by getloans - August 7, 2013 at 8:31 am

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Quick Cash: A Guide to Raising Money During Life’s Planned and Unplanned Changes (Sphinx Legal) Reviews

Quick Cash: A Guide to Raising Money During Life’s Planned and Unplanned Changes (Sphinx Legal)

Quick Cash: A Guide to Raising Money During Life's Planned and Unplanned Changes (Sphinx Legal)

Credit Card Bills Stacking Up?

Everybody needs a little something extra every once in a while. Sometimes it is for an unexpected trip to the ER, other times it is to pay the gas bill. No matter if your need is great or small, Quick Cash gives you the tools and information you need to get over today’s financial hurdles.

Additional material tells you what not to do during your financial crunch. Valuable tips, checklists and exercises help you avoid legal troubles and evaluate the long-term consequences of your choices.

An expert puts his proven techniques into one convenient manual. Quick Cash provides strategies for boosting your cash flow:

Ask For It-Uncle Sam has numerous FREE programs for those in need

Borrow It-Pawnshops turn your goods into GOLD in minutes

Sell It-Don’t donate blood when you can sell it for $

Earn It-Dog-walking for DOLLARS and cat-sitting for CASH

Find It-A map for BURIED TREASURE in your own backyard

Make informed decisions that alleviate your worries.

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Posted by getloans - August 5, 2013 at 8:35 am

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Naked Economics: Undressing the Dismal Science (Fully Revised and Updated)

Naked Economics: Undressing the Dismal Science (Fully Revised and Updated)

Naked Economics: Undressing the Dismal Science (Fully Revised and Updated)

“Explains our global economy in a way that is (gasp!) actually entertaining.”—Book Magazine

Finally! A book about economics that won’t put you to sleep. In fact, you won’t be able to put this bestseller down. In our challenging economic climate, this perennial favorite of students and general readers is more than a good read, it’s a necessary investment—with a blessedly sure rate of return. Demystifying buzzwords, laying bare the truths behind oft-quoted numbers, and answering the questions you were always too embarrassed to ask, the breezy Naked Economics gives readers the tools they need to engage with pleasure and confidence in the deeply relevant, not so dismal science.

This revised and updated edition adds commentary on hot topics, including the current economic crisis, globalization, the economics of information, the intersection of economics and politics, and the history—and future—of the Federal Reserve.

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Posted by getloans - July 29, 2013 at 8:43 am

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AARP Roadmap for the Rest of Your Life: Smart Choices About Money, Health, Work, Lifestyle … and Pursuing Your Dreams

AARP Roadmap for the Rest of Your Life: Smart Choices About Money, Health, Work, Lifestyle … and Pursuing Your Dreams

AARP Roadmap for the Rest of Your Life: Smart Choices About Money, Health, Work, Lifestyle ... and Pursuing Your Dreams

Solid solutions and step-by-step instructions for planning the next stage of your life

Life after 50 isn’t what it used to be. The rules have changed. No more guaranteed pensions, retiree health plans, or extensive leisure and travel. It’s time to forge new paths and create innovative models. That’s where the AARP Roadmap for the Rest of Your Life comes in. Bart Astor, author of more than a dozen books, offers a comprehensive guide for making lifestyle decisions, growing your nest egg, and realizing your goals. This AARP book—

  • Provides guidance on the key areas you’ll need to consider: finances and work, health and fitness, Medicare and Social Security, estate planning, insurance, housing, and more
  • Offers expert tips on creating age- and health-specific goals through a personal “Level of Activity” scale based on how active you can and want to be
  • Includes tips for finding fun and fulfilling activities and even completing your bucket list
  • Supplies ready-to-use worksheets to help you set and meet financial planning goals, get your legal affairs in order, and maintain adequate health insurance
  • Contains a comprehensive list of valuable resources

List Price: $ 18.95

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Posted by getloans - July 24, 2013 at 8:00 am

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