Senin, 25 Oktober 2010

[I846.Ebook] Ebook Escape the Diet Trap: Lose weight for good without calorie-counting, extensive exercise or hunger, by Dr John Briffa

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Escape the Diet Trap: Lose weight for good without calorie-counting, extensive exercise or hunger, by Dr John Briffa

Escape the Diet Trap: Lose weight for good without calorie-counting, extensive exercise or hunger, by Dr John Briffa



Escape the Diet Trap: Lose weight for good without calorie-counting, extensive exercise or hunger, by Dr John Briffa

Ebook Escape the Diet Trap: Lose weight for good without calorie-counting, extensive exercise or hunger, by Dr John Briffa

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Escape the Diet Trap: Lose weight for good without calorie-counting, extensive exercise or hunger, by Dr John Briffa

Discover how to achieve sustained weight loss without calorie-counting, extensive exercise or hunger

Based on scientific research and a doctor’s experience of what works with countless individuals over 20 years

This magnificent book provides the scientific basis and practical solutions to liberate you from yo-yo dieting and allow you to achieve sustained weight loss and enhanced health with ease.

William Davis MD - #1 New York Times bestselling author of Wheat Belly

Escape the Diet Trap promises to put an end to yo-yo dieting and fluctuating weight

In this book, practising doctor and leading authority on weight loss Dr John Briffa shows how conventional advice – to ‘eat less and exercise more’ – actually causes the body to resist weight loss and dooms us to failure. Offering a science-based and sustainable approach to weight loss that works with the body (not against it), Escape the Diet Trap reveals how to achieve lasting, sustainable weight control without calorie counting, extensive exercise or hunger.

In Escape the Diet Trap you will discover:

  • The ten reasons why eating a low-fat, calorie-controlled diet makes sustained weight loss virtually impossible.
  • Why the less hungry you are, the more weight you’ll lose.
  • The foods that satisfy hunger most effectively.
  • Why weight is not just about calories, but the impact our diet has on key hormones including insulin and leptin.
  • Why you can stop worrying about saturated fat and the impact it has on your cholesterol level.
  • Why you should ignore foods labelled 'low fat' or 'light'.
  • Why aerobic exercise has little impact on weight loss, and the type of exercise that does.
  • How to use intermittent fasting to accelerate your fat loss and enhance your health.
  • The simple mental tricks and tools that ensure success.
  • How to lose weight with ease and without hunger.
  • How to escape the trap of repeated cycles of yo-yo dieting and fluctuating weight forever.

Escape the Diet Trap in the press:

"Briffa’s tips will leave you trim, toned and pleasantly hunger-free."

Woman

“I was really impressed, mainly because the weight loss was so quick.”

Woman and Home

“Builds a sustainable relationships with food that will bring long-term weight loss without calorie control or excessive hunger.”

Saga

“I lost 6lbs in two weeks, despite eating a lot more than usual. I’m hooked!”

Cosmopolitan

“No need to count calories, go hungry or diet ever again.”

The Times

“Escape The Diet Trap is a masterly, forensic deconstruction of current nutritional gospel, a long overdue dish to relish.”

Joanna Blythman – Author of What to Eat

Not just about weight loss, but vital health too!

Escape the Diet Trap does not only provides a route map to permanent weight control, but also explores the impact different foods have on all aspects of health including heart health, diabetes, metabolic syndrome, energy, sleep and bowel function. Find out how to eat and eat and live in a way that will allow you to achieve weight loss and optimal wellbeing without struggle or deprivation.

#1 weight loss bestseller in the UK

Escape the Diet Trap is a number 1 weight loss bestseller on amazon in the UK and has attracted some 100 reviews with an average 4.6 out of 5-stars rating. Now available in the US so you can discover the secret to transforming your eating, wellbeing and weight - with ease.

  • Sales Rank: #1373919 in Books
  • Published on: 2013-02-14
  • Dimensions: 9.00" h x .73" w x 6.00" l,
  • Binding: Paperback
  • 324 pages

About the Author

About Dr John Briffa

Dr John Briffa is a practising doctor, author and international speaker. He is prize-winning graduate of University College London School of Medicine in the UK, where he also gained a BSc degree in Biomedical Sciences.

Dr Briffa is a leading authority on the impact of nutrition and other lifestyle factors on health and illness. He is dedicated to providing individuals with information and advice they can use to take control of their health and optimise their energy and vitality.

Dr Briffa is a former columnist for national newspapers the Daily Mail and the Observer, and former contributing editor for Men’s Health magazine. He has contributed to dozens of newspaper and magazine titles internationally, and is a previous recipient of the Health Journalist of the Year award in the UK. He has been listed by Tatler magazine as one of the UK’s leading doctors, and has twice been on the judging panel of the prestigious Prince of Wales Integrated Health Awards.

Bibliography

  • Escape the Diet Trap
  • Waist Disposal
  • The True You Diet
  • New Medicine (major contributor)
  • Natural Health for Kids
  • Ultimate Health
  • BodyWise
  • Better Health through Natural Remedies
  • Food for Health

Media appearances:

ABC News, ITN News channel, Channel 4 News, ITV News, Channel 5 news, BBC Good Food Live, Full-On Food (BBC1), Can’t Stop (BBC3), Children’s Health (Discovery Channel), GMTV – Lorraine Live (BBC1), This Morning (ITV), GMTV – Liz Earle (BBC1), The Locker (ITV2), Face Value (BBC1), ABC News (USA), Granada (Live Time), European Business News (Sky)

Speaking:

Dr Briffa has lectured extensively on the subject of wellness to businesses and organisation, members of the public and health professionals in the UK, Central and Eastern Europe, North American and Africa.

For more information and to access more than 1,250 articles on weight control and wellness, see http://www.drbriffa.com

Most helpful customer reviews

21 of 24 people found the following review helpful.
This Is NOT A Diet Book--But It Could Revolutionize How You Eat!
By Jimmy Moore from Livin' La Vida Low-Carb
UK's premier low-carb physician and health journalist is Dr. John Briffa and he's back with a fabulous new nutritional health book entitled Escape The Diet Trap: Lose Weight For Good Without Calorie-Counting, Extensive Exercise or Hunger. This book continues to spread the message that weight loss isn't just about cutting your calories, eating less food, exercising until you pass out and suffering through glorified bouts of starvation. Instead, by embracing a healthy high-fat, moderate protein, low-carb nutritional lifestyle change, you can be freed from the bondage of the typical "diet" trends that are out there and live a life that is enjoyable and healthy at the same time. Dr. Briffa is the first to tell you that "this is not a diet book" and you'll quickly find out how it could revolutionize how you eat forever! He's quite an articulate and passionate defender of this way of eating that is changing the lives of real people every single day through stunning weight and health changes.

In this book, Dr. John Briffa explains how to get out of "the diet trap":

- He likes to keep "a healthy distance" from the white coat photos
- His "duty as a human being" to tell people these nutritional truths
- Why health journalism tends to be skewed against low-carb diets
- The major UK newspaper that ran excerpts from his new book
- A "real shift" happening in the minds of people about health
- His optimism about the "sea change of opinion" about low-carb
- How print media is "catching up" to the online journalism
- The trickle-down effect happening in the health blogosphere
- Looking at the comments of print media online is eye-opening
- Health professionals find the engaged patient "very difficult"
- The infallibility mindset that many physicians have about health
- How people are becoming "less deferential" to doctors now
- His pessimism about medical education shifting to nutrition
- Why non-medical people have more "objectivity" about health
- In medicine "we are allowed to do loads of things that don't work"
- The remuneration that doctors receive for reaching certain goals
- Doctors feel "compelled" financially to do the standard treatments
- His appreciation for the rebellious work of Dr. William Davis
- Wheat is "not the staff of life, it's the staff of nightmares"
- The story behind his disclaimer that "this is not a diet book"
- Many people want to read books that say more than "just do this"
- The heavy emphasis on BMI and why it's not the best obesity measure
- How waist circumference is a better way to measure body fat
- If you have a gut, then you need to get rid of it
- The actuaries who determine what health insurance should cost
- Why "cutting back" is exactly the wrong thing to do
- 1950 research shows the "disaster" that low-calorie diets are
- The body becomes resistant to weight loss as calories decrease
- How hunger is a one-way ticket for failure for weight loss
- How 1600 calories/day could be a "starvation" diet for some
- Why "a piece of fish and vegetables" isn't what a hungry person craves
- The less hungry you are, the more weight you'll lose and keep off
- Hunger "jeopardizes" weight loss efforts and why it should be avoided
- The hunger scale he encourages people to measure
- Why he promotes the use of a snack between lunch and dinner
- You can be "self-nourished" by using intermittent fasting
- Why fruit is "overrated" and not an ideal snack for controlling hunger
- Why he no longer consumes breakfast regularly anymore
- Cereal and toast for breakfast makes you hungry quickly
- How you can eat a little more low-carb food to go longer between meals
- Why "you should have animal" in your soup if you eat it
- The sandwich lunch culture that exists in the UK
- If he could outlaw just one food, it would be bread

7 of 7 people found the following review helpful.
Serious subject with humor and common sense
By Janet Cole
Not just about weight loss, but a lot about just eating the way our bodies were designed to utilize food. Dr. Briffa doesn't lecture about what we should do. He seems to share what he has seen working for himself and his patients. Even better: it doesn't really cost anything (aside from the cost of the book) to give his ideas a try.

9 of 11 people found the following review helpful.
Much needed!
By James F. Rendek
This is the book I was thinking needed to be written. It's for hard losers who want to be healthy while shedding the pounds. You won't find much new in the book but what you will find is a well written, easy to understand combination of Atkin's and Primal eating. This is the single best diet approach for most obese and health challenged individuals. I still recommend reading Atkin's, The Primal Blueprint and The Paleo Solution but this (as far as I can tell) is the first true progressive merger!

See all 10 customer reviews...

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Escape the Diet Trap: Lose weight for good without calorie-counting, extensive exercise or hunger, by Dr John Briffa PDF

Escape the Diet Trap: Lose weight for good without calorie-counting, extensive exercise or hunger, by Dr John Briffa PDF
Escape the Diet Trap: Lose weight for good without calorie-counting, extensive exercise or hunger, by Dr John Briffa PDF

Jumat, 22 Oktober 2010

[I697.Ebook] Ebook Download Engineering Design, by Rudolph J. Eggert

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Engineering Design, by Rudolph J. Eggert

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Engineering Design, by Rudolph J. Eggert

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Engineering Design, by Rudolph J. Eggert

For design project courses in Mechanical, Aerospace, and Manufacturing Engineering. This comprehensive text is a consistent, clear, and orderly presentation of the best engineering design methods and practices. Topics are presented in a timely and orderly fashion; each new topic progressively builds on the concepts and terminology introduced in earlier sections. The breadth and the depth of the material makes this text useful to both beginning and advanced students.

  • Sales Rank: #891139 in Books
  • Published on: 2004-06-24
  • Original language: English
  • Number of items: 1
  • Dimensions: 9.50" h x .85" w x 7.28" l, .0 pounds
  • Binding: Hardcover
  • 408 pages

From the Back Cover

Engineering Design is intended as a text for senior capstone courses as well as junior and sophomore engineering design courses. The text integrates the best concepts and methods presented in other design textbooks, while providing additional topics such as human factors, materials and manufacturing processes. Using a "just-in-time" philosophy of learning, topics are presented in a timely, orderly fashion, progressively building engineering design methods and terminology. Key terms are defined, emphasized, and distinguished to highlight important subtleties. Exercises at the end of each chapter reinforce the knowledge and methods presented. In addition, self-quiz exercises are included at the end of each chapter.

Key Features of the Book
  • The best design methods and practices, as well as key terminology, are presented in a consistent, clear, and orderly manner. This is the first major text to include a glossary of design and manufacturing terms.
  • Includes a chapter on human factors and their relationship to engineering design. Concepts, tabular data, and illustrations provide students and faculty with the necessary tools for preparing preliminary product designs that incorporate human abilities and limitations.
  • A chapter on manufacturing processes and their feature generating capabilities introduces readers to manufacturing processes from a product development perspective. The chapter will be especially useful for those institutions that do not have a separate manufacturing processes course in their curriculum.
  • A chapter on selecting materials for design introduces readers to appropriate material properties and selection methods, and their influence on the design of a product.
  • Significant emphasis is placed on how to formulate a design problem. Readers will learn methods and concepts that will enable them to determine customer and company requirements in qualitative and quantitative terms. The House of Quality is also presented and integrated as an effective contribution to the "design process."
  • A variety of product design examples are used throughout the text to highlight similarities, differences, and subtleties of design concepts and methodology.

Excerpt. � Reprinted by permission. All rights reserved.

Engineering design is the set of activities that lead to the manufacture of exciting new products such as aircraft, automobiles, home appliances, and hand tools as well as the construction of new facilities such as refineries, steel mills, and food processing plants. It is a pursuit that challenges our analytical abilities and our knowledge of mathematics, the sciences, and manufacturing to find solutions that work better, last longer, and are easy to maintain or repair. Just as important, however, is that engineering design is fulfilling and personally satisfying in that we can use our creative abilities to develop ideas, that they become real, and that they meet the needs of our fellow human beings.

This text is for students at the undergraduate or first-year graduate level. It is for design and nondesign faculty who wish to learn more about modern design concepts and methods. It is for practicing engineers who wish to enhance their knowledge and skills. The book is not a comprehensive, intellectual report of engineering design research. Rather, the text is a practical, down-to-earth presentation of engineering design integrating topics about the business of manufacturing. It draws upon the author's engineering and managerial experiences at organizations such as General Electric, Fisher Price Toys, Wurlitzer, and the New York State Energy Research and Development Authority. Preliminary versions of the text have been successful in semester-long design courses that include team-based design projects.

This book brings together the best design methods and practices in a consistent, clear, and orderly presentation. Readers are introduced to concepts and methods developed by the best engineering design authors in the world including Dixon and Poli, Dieter, Otto and Wood, Pahl and Beitz, and Ullman. Using a "just-in-time" philosophy of learning, topics are presented in an orderly fashion, progressively building design methods and terminology. The topics are presented and used, rather than stored away for use at a later date. Exercises at the end of each chapter use the knowledge and methods presented. Mary different examples are presented to highlight the similarities and differences of various design methods. An extensive summary of key terms is included in a glossary to delineate the important subtleties that are embodied in design and manufacturing terminology. In addition, self-quiz exercises are included at the end of each chapter for immediate reinforcement of the reader's understanding.

A number of other important features are included. Concurrent engineering and teamwork, particularly the role of communication and project management, is emphasized throughout the text. The interdependence of product function, materials, and manufacturing processes is examined with respect to the product realization process in separate chapters on materials and process selection. The voice of the customer is interwoven in chapters on design problem formulation and includes using customer satisfaction measures to evaluate design alternatives. The subject of human factors is presented along with tables and illustrations in such detail so as to provide the reader with the necessary tools for preparing preliminary designs that incorporate human abilities and limitations. Instructors will find a variety of materials on the accompanying Instructor's CD ROM, including PowerPoint@ slides, solutions to exercises, syllabi suggestions, design project write-ups, and electronic files of key figures from the text. To see current errata or contact the author, please visit http://coen.boisestate.edu/reggert/.

I wish to thank all the practicing engineers, students, and faculty who provided suggestions for the development of this book. In particular, I wish to acknowledge the following colleagues for their helpful review and advice:

Stephen H. Carr-Northwestern University
Tom Grimm-Michigan Tech
Raghu Echempati-Kettering University
John Lamancusa-Penn State
D. C. Anderson-Purdue University
Holly Ault-Worcester Polytechnic Institute
Thomas R. Kurfess-Georgia Tech

Finally, I wish to thank my son Randy and wife Linda for their many hours of editorial assistance and for their unwavering support during the preparation of the manuscript.

Most helpful customer reviews

0 of 1 people found the following review helpful.
Five Stars
By Apextine710
=)

See all 1 customer reviews...

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Jumat, 15 Oktober 2010

[S360.Ebook] Fee Download Ford Fairlane 500 Skyliner, 1957-1959 (Classic Motorbooks Photofacts), by Jerry H. Magayne

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Ford Fairlane 500 Skyliner, 1957-1959 (Classic Motorbooks Photofacts), by Jerry H. Magayne

This 80 page soft cover history and reference book was the only full-length publication ever devoted exclusively to the 1957, 1958, and 1959 Skyliner Hardtop Convertible as produced by the Ford Motor Company, and took over 3 years to compile. Five detailed chapters cover the evolution of the concept and delve into production features of each model year. Included are production numbers, data plate decoding info, accessory prices, and 200+ original and previously unpublished photos covering details of each model year. Also included are the only known published photos of the prototype Edsel retractable and Eisenhower Skyliner! This hard to find edition would make the perfect gift for any Ford Hideaway Hardtop restorer or enthusiast, or anyone interested in 1950 s automotive history! Much of the information covered also pertains to other Ford models including the Fairlane 500, Galaxie, Ranchero, Sunliner, Station Wagon and Custom 300. This book is being offered from the authors unsold inventory and is in new unread condition!

  • Sales Rank: #1058659 in Books
  • Published on: 1992-07-01
  • Original language: English
  • Dimensions: 11.25" h x 8.75" w x .50" l,
  • Binding: Paperback
  • 80 pages

Most helpful customer reviews

11 of 11 people found the following review helpful.
An excellent book with great information
By A Customer
I found this book a great resource for '57 to '59 Ford Skyliner information. I have owned a '59 Ford Retractable for about 20 years and was curious to the past and making of the great machine. I heard many of the photos of early production among other things in the book were lost in files throughout the years and retreived by Mr. Magayne. In my words, this book is a must have to any Ford Retractable owner or admirer. An excellent car with an excellent past and Mr. Magayne does a great job retracing the cars legendary past.

1 of 2 people found the following review helpful.
An excellent book with great information
By A Customer
I found this book a great resource for '57 to '59 Ford Skyliner information. I have owned a '59 Ford Retractable for about 20 years and was curious to the past and making of the great machine. I heard many of the photos of early production among other things in the book were lost in files throughout the years and retreived by Mr. Magayne. In my words, this book is a must have to any Ford Retractable owner or admirer. An excellent car with an excellent past and Mr. Magayne does a great job retracing the cars legendary past.

0 of 4 people found the following review helpful.
Expensive Book
By Gizmoe1164
This book appears to be overpriced to the extreem and I cannot imagine many have been sold at these inflated prices.

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Senin, 11 Oktober 2010

[P969.Ebook] Ebook Mathematical Statistical Mechanics (Princeton Legacy Library), by Colin J. Thompson

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Mathematical Statistical Mechanics (Princeton Legacy Library), by Colin J. Thompson

While most introductions to statistical mechanics are either too mathematical or too physical, Colin Thompson's book combines mathematical rigor with familiar physical materials. Following introductory chapters on kinetic theory, thermodynamics, the Gibbs ensembles, and the thermodynamic limit, later chapters discuss the classical theories of phase transitions, the Ising model, algebraic methods and combinatorial methods for solving the two-dimensional model in zero field, and some applications of the Ising model to biology.

Originally published in 1979.

The Princeton Legacy Library uses the latest print-on-demand technology to again make available previously out-of-print books from the distinguished backlist of Princeton University Press. These editions preserve the original texts of these important books while presenting them in durable paperback and hardcover editions. The goal of the Princeton Legacy Library is to vastly increase access to the rich scholarly heritage found in the thousands of books published by Princeton University Press since its founding in 1905.

  • Sales Rank: #5577806 in Books
  • Published on: 2015-03-08
  • Released on: 2015-03-08
  • Original language: English
  • Number of items: 1
  • Dimensions: 9.25" h x .65" w x 6.00" l, .90 pounds
  • Binding: Paperback
  • 290 pages

Most helpful customer reviews

7 of 7 people found the following review helpful.
Elementary introduction
By Dr. Lee D. Carlson
This book gives an informal overview of the mathematical formalism of statistical mechanics with mathematical rigour not emphasized. There have been many developments in mathematical statistical mechanics since this book was published, particularly in the area of exactly solved models in statistical mechanics and vertex models. This book could be used as an introduction to these developments, in spite of the fact that the mathematics used in them is not covered in this book. Only very rudimentary mathematical tools are used therein. That is not to say that a beginning student interested in the mathematical aspects of statistical mechanics could not gain anything from the reading of the book. There are some very clear presentations of the following topics: 1. A detailed derivation of the Boltzmann equation. 2. A proof of the Poincare theorem, which states that a finite-energy mechanical system in a finite volume is recurrent. 3. A proof of the Liouville theorem, which gives the incompressibility of the flow of points in phase space. 4. A proof, using the Boltzmann "Stosszahlansatz", that the Kac ring model approaches equilibrium. 5. A proof of the existence of the thermodynamic limit for "van Hove potentials", i.e. those that have a hard core and an attractive tail. 6. The explicit calculation of the partition function for the Tonks and Takahashi gases, the Curie-Weiss model, and the one-dimensional Ising model. 7. The Onsager solution of the two-dimensional Ising model. 8. The combinatorial solution of the two-dimensional Ising model. 9. An Ising model for the DNA molecule.

3 of 3 people found the following review helpful.
Mathematical Statistical Mechanics by Colin J Thompson
By Lancia Carlo
This is a very interesting book. The author introduces Classical Statistical Mechanics through several historical examples (Boltzmann distribution, Maxwell distribution, etc.) then he gives an axiomatic interpretation of micro-canonical, canonical and grand-canonical distribution. Last chapters are dedicated instead to applications of Statistical Mechanics in Natural Sciences (expecially in Biology).
The mathematical skills required to the reader are not high although he's supposed to be quite "independent" to develop all the calculations by his own.

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Kamis, 07 Oktober 2010

[S975.Ebook] Ebook Free All Music Guide to the Blues: The Definitive Guide to the BluesFrom Backbeat

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All Music Guide to the Blues: The Definitive Guide to the BluesFrom Backbeat

Fully updated to reflect today's revitalized blues world, this guide is any blues fan's lifeline to the best blues past and present. It reviews and rates 7,000 recordings in all major styles across the blues map - from Delta blues to Louisiana, Memphis, Chicago, Texas, and beyond; from classic female singers to jump blues, blues slide guitar, blues in jazz, soul blues, blues-rock, modern acoustic and electric blues, and more. This fun and easy-to-use guide provides profiles of over 1,000 blues artists. Thirty historical essays plus supplemental "music maps" chart the roots and evolution of the blues, its various styles, instruments used, key artists, and more. The essays explore the blues from the Mississippi Delta to modern electric blues and everything in between.

  • Sales Rank: #603777 in Books
  • Brand: Backbeat
  • Model: 331010
  • Published on: 2003-04-01
  • Released on: 2003-04-01
  • Original language: English
  • Number of items: 1
  • Dimensions: 9.25" h x 1.50" w x 7.50" l, 2.80 pounds
  • Binding: Paperback
  • 754 pages
Features
  • Used Book in Good Condition

Review
"Should be on every blues lover's list." -Blues Access "Easily the best blues guide...a real winner." -Real Blues

About the Author
Vladimir Bogdanov is president of All Media Guide (AMG); Chris Woodstra is AMG vice president of content development; Stephen Thomas Erlewine is AMG director of content, popular music.

Most helpful customer reviews

2 of 6 people found the following review helpful.
Titles Not In Alphabetical Order?
By Valley Dude
I just received my copy and I must say the volume and detail are impressive right out of the gate. I am disappointed that the album titles by each artist are not in alphabetical order, especially in a reference work of this scale. I read the "how to use this book" section and it offered no information on how the titles are arranged. This could be inconvenient when trying to locate your favorite title by an artist such as John Lee Hooker, one with numerous numerous releases listed. Other users: am I right or am I missing something?

6 of 6 people found the following review helpful.
Enormous Scope, Good Ratings, Some Flaws
By New England Yankee
I'm not going to address the other reviewers' issues with this guide other than to acknowledge some of them. Those that concern outright errors, I agree. Those regarding omissions, emphasis, and other things - well, you can make up your own mind about those and the reviewers' biases.

The coverage of this guide is sweeping and the write-ups on individual artists are excellent. Each entry is tailored in length to the individual's relative importance to Blues history. There is also an excellent introduction covering the history of the Blues and each Blues genre, and for the uninitiated, there are quite a few. Artist entries include album and singles lists, including compilations, with ratings for each and recommendations as to which a collector might focus on and why.

It is actually the last bit I find most valuable. If you don't already own a single recording for a given artist, how can you make a selection when you're faced with your choices at the store? Granted, in some places you can preview the music, but that still doesn't get you what you need: the BEST choices. I don't know about you, but with very, very few exceptions, I'm not interested in collecting 100% of a given artist's albums, and I'm dead certain I don't want to collect randomly. The fact that what's available in the store bin is highly likely to be the least desirable choice only ups the ante.

So in the end, it's the collecting recommendations that stand out for me - to the point where I went through the book and put together a list of specific albums to look for. Priceless. My agreement with the guide's recommendations is pretty high - probably close to 80% or so. And that alone makes the cost of the book worthwhile.

2 of 2 people found the following review helpful.
Musical Guide to the Blues
By D. Zipkin
Not for the idle coffee table book devoteee, this volume is a comprehensive encyclopedia of American Blues music and artists from the 1920s+. Packed with factual info on artists, their songs and recordings, backup musicians, publications, and various cross referenced data, this volume is THE source of information on the history of the American Blues music scene. ****

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[N749.Ebook] Free Ebook The Personality Puzzle (Sixth Edition), by David C. Funder

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The Personality Puzzle (Sixth Edition), by David C. Funder

A personality text with personality.

The Personality Puzzle gets students excited about personality psychology, demonstrating that it is relevant to their lives and thus actually fun to explore. Over six editions, author David Funder has established himself as the master of the readable textbook, always conveying the motivations behind psychological inquiry while never skimping on the science.

  • Sales Rank: #45430 in Books
  • Brand: Brand: W. W. Norton Company
  • Published on: 2012-09-17
  • Format: Print
  • Original language: English
  • Number of items: 1
  • Dimensions: 9.30" h x 1.20" w x 7.60" l, 2.85 pounds
  • Binding: Paperback
  • 699 pages
Features
  • Used Book in Good Condition

About the Author
David C. Funder is Distinguished Professor of Psychology and former chair of the department at the University of California, Riverside. Winner of the 2009 Jack Block Award for Distinguished Research in Personality, he is a former editor of the Journal of Research in Personality, and a past president of the Association for Research in Personality as well as the Society for Personality and Social Psychology. He is best known for his research on personality judgment and has also published research on delay of gratification, attribution theory, the longitudinal course of personality development, and the psychological assessment of situations. He has taught personality psychology to undergraduates at Harvey Mudd College, Harvard University, and the University of Illinois, Urbana-Champaign, and continues to teach the course every year at the University of California, Riverside.

Most helpful customer reviews

13 of 14 people found the following review helpful.
Perfect intro to Personality Psych
By Shannon Leigh
Product is great introduction of personality psychology and how it is measured. I won't be selling this one back. Written using vernacular that is easy to understand whether you have a background in psychology or not.

9 of 11 people found the following review helpful.
this book is as good as it gets
By C. Allen
Used this for a large personality class in Winter 2013. I think the book is as good or better than anything else out there. I searched for a good text for my upper division university students, and chose this one rather than the one I used last year that studied theorists and their stories. I decided it is best to use an overview book because personality is getting so complex, it is perhaps the most complex topic in psychology. I also teach abnormal psychology and find the personality course more complex, because abnormal psych can rely on the DSM-IV as a teaching paradigm. There is not central paradigm for teaching personality, so it's a complex topic. The author takes so many different views on each topic that it can be challenging reading. Yet that is the gift he gives in this book -- that he is ethical and fair. He doesn't state opinions that are not true, not even half-truths. He gives as many possible views on personality as possible and does not get on the psychological/empirical high-horse and pretend personality research is clear. For example in the chapter on culture and personality, he doesn't claim that culture determines personality in any specific ways, which would be tempting to do if an author was in to oversimplification. Rather, he shows how it's complex and that is the beauty of personality. This is advanced scholarly learning--to hold back and not get to the point in a simplistic way, because getting to the point would be inaccurate. As a teacher I balanced the text with lecture information that included some fun and solid "points" and take-away learning, so the students had something solid to hang on to. In that way I think the students had a balanced class experience, and the reviews were good. Students who actually read the book were well-informed by the end of the quarter and could talk intelligently about personality.
I held back one star, because I do think this book needed more animation, pictures, images. I understand he took these out, but it does lack visual stimulation. But again, the writing is thorough. And --don't forget, this book is $60 cheaper than other books with identical information perhaps presented less well. Choosing texts that not inflated in terms of price is important, so I am glad they sell this book at a reasonable price. Also this book is used at so many universities, it's not hard to resale this book.

2 of 2 people found the following review helpful.
Pretty Good Intro to Personality Psych
By Corbett
I had to buy this for my online Personality Psychology and I found this book to be very enjoyable. The chapters are long and it does have a lot of examples with additions of the author's experiences/opinions. Sometimes it could be summarized better but the end of the chapter summaries do a good job without losing too much. I feel I am learning a lot from this book and am doing very well in the class so I would say the book is pretty good. Its not boring or dry but If you dislike a relaxed feel you might not like this book because the author does talk to you a bit.

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Rabu, 06 Oktober 2010

[F959.Ebook] Ebook Download The Heavenly Table: A Novel, by Donald Ray Pollock

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From Donald Ray Pollock, author of the highly acclaimed The Devil All the Time and Knockemstiff, comes a dark, gritty, electrifying (and, disturbingly, weirdly funny) new novel that will solidify his place among the best contemporary American authors.

It is 1917, in that sliver of border land that divides Georgia from Alabama. Dispossessed farmer Pearl Jewett ekes out a hardscrabble existence with his three young sons: Cane (the eldest; handsome; intelligent); Cob (short; heavy set; a bit slow); and Chimney (the youngest; thin; ill-tempered). Several hundred miles away in southern Ohio, a farmer by the name of Ellsworth Fiddler lives with his son, Eddie, and his wife, Eula. After Ellsworth is swindled out of his family's entire fortune, his life is put on a surprising, unforgettable, and violent trajectory that will directly lead him to cross paths with the Jewetts. No good can come of it. Or can it?

In the gothic tradition of Flannery O'Connor and Cormac McCarthy with a healthy dose of cinematic violence reminiscent of Sam Peckinpah, Quentin Tarantino and the Coen Brothers, the Jewetts and the Fiddlers will find their lives colliding in increasingly dark and horrific ways, placing Donald Ray Pollock firmly in the company of the genre's literary masters.

  • Sales Rank: #126335 in Books
  • Published on: 2016-07-12
  • Released on: 2016-07-12
  • Original language: English
  • Number of items: 1
  • Dimensions: 9.50" h x 1.10" w x 6.50" l, 1.39 pounds
  • Binding: Hardcover
  • 384 pages

Amazon.com Review
An Amazon Best Book of July 2016: There’s really nobody like Donald Ray Pollock. With a name that sounds like a serial killer’s and style to match, he came to the writing game late, publishing the grimly funny and occasionally shocking collection, Knockemstiff, on the windward side of his 50th birthday. The Devil All the Time, another dark ramble through backwoods Ohio, followed, this time expanding his grimy gothic into a fully realized novel. And with his latest, Pollock is neither slowing down nor pulling back. The Heavenly Table splits the tale between two camps: On one side are Cane, Cobb, and Chimney, three brothers of varying dimness suddenly turned loose--at the death of their pious father--to fulfill their kindred potential for violence and larceny. On the other are Ellsworth and Eula Fiddler, increasingly desperate to maintain their farm after losing their "fortune" to a painfully obvious swindle. Suffice to say, Pollock winds up his doomed characters and sets them in motion in a pulpy, peripatetic trajectories in each other's direction. If you're the kind of reader who assesses a book by how well you like its characters, this book probably isn't for you; the best reason to read The Heavenly Table is to witness a writer constantly pushing the borders of imagination--and often propriety--while daring his readers to reassess their own.--Jon Foro, The Amazon Book Review

Review
Praise for The Heavenly Table:

“Yes, The Heavenly Table is an old-fashioned yarn with a pretty predictable plot ─ but that’s the point, and as with The Adventures of Huckleberry Finn (an obvious influence), it is also a riotous satire that takes on our hopeless faith in modernity, along with our endless capacity for cruelty and absurd pretension…As much as we’d like to take comfort in the thought that all of this happened far away and a century ago, the fact is that Pollock’s funny, damning novel belongs, more than ever, to the country we live in now.”
—�Alexander Maksik,�New York Times Book Review

"Like a hybrid masterwork of Quentin Tarantino and Flannery O'Connor, Donald Ray Pollock's second novel,�The Heavenly Table, is a comic Southern Gothic romp, hell-bent on making the reader squirm and laugh, often at the same time...The literary feast the novel offers becomes its own heavenly table..."
—�William J. Cobb, Dallas Morning News

"There’s just no way to emerge unsullied and unscathed from Donald Ray Pollock’s Southern Gothic outlaw tale The Heavenly Table. Readers venturing into this grim territory, out beyond Cormac McCarthy and Patrick DeWitt, in the bizarre vicinity of Harry Crews’ manic intensity and the depraved noir of Jim Thompson, are apt to be startled and disturbed by what they witness, and not least of all by the sound of their own laughter...While some readers will feel that Pollock goes too far, others will find him very much in step with the times."
—�David Wright, Seattle Times

“Pollock, the author of a previous novel, The Devil All The Time, and a collection of stories, has a rare gift of creating compelling characters that interact in a believable manner even in unbelievable circumstances. Heavenly, despite its dour premise, is a delight to read, absorbing and thought-provoking. As a historical novel, it reveals a world that is poised between the past and the present in meaningful ways.”
—�Jim Ewing,�Jackson Clarion-Ledger

“The Heavenly Table disgorges a smorgasbord of horrors yet this reviewer could not stop laughing. Agony can be hilarious. This book is Donald Ray Pollock’s masterpiece.”
—�Vick Mickunas,�Dayton Daily News

"In its bloody, violent, terrible collisions,�The Heavenly Table�feels like�Blood Meridian�if Cormac McCarthy had been born with a streak of black humor in him rather than just terseness and rage. Or like an early, freaky Tom Robbins novel if Robbins had been a mean-hearted sadist to whom death (ugly, swift and meaningless) had been the only natural conclusion to every paragraph. It is a book that leaves a sheen of filth on you when you read it. Which makes you taste the road dust and pig's feet (and worse), and see some things that you can never un-see.
But by the end of it — by the time the curling paths of the Fiddlers and the Jewetts and a dozen-odd other random characters have twined together — it has also turned a smart and complicated corner, asking (without ever really asking) who are the bad men and who are the good?"
— Jason Sheehan,�Npr.org

One of�Amazon.com's 10 Best Books of July

"Like Mr. Pollock’s 2011 “The Devil All the Time,” this is a jauntily amoral, amusingly macabre and somewhat juvenile entertainment—a beach read to enjoy on the shore of a lake of fire."�
—�Sam Sacks,�Wall Street Journal

"To read this book, you’ll need a strong stomach and may want a hot shower afterward, but you’ll never forget Pollard’s compelling characters."�—�Vicki Weisfeld,�Christian Science Monitor

"The Heavenly Table�succeeds in unifying a series of long and short narrative strands into a cohesive whole. Without sacrificing irony, [Pollock's] writing possesses a sincerity that has no time for late-postmodern gaming, and while remaining committed to realist conventions, his blue-collar sensibility distinguishes him from contemporary practitioners like Jonathan Franzen and Jeffrey Eugenides."
—�Aaron Botwick,Open Letters Monthly

PW Picks: Book of the Week
"With furious prose and a Faulknerian eye for character, Pollock (The Devil All the Time) populates his second novel with dozens of memorable people who embody America’s headlong leap toward the future in the early 20th century...Pollock knocks it out of the park."

One of Vol. 1 Brooklyn's Best Books of July

"In a dark yet redeeming Gothic story set in the farmlands of Georgia and Ohio in the early 1900s, the three Jewett brothers set out on a cross-country journey of crime and violence. Little do they know that fate has arranged for their paths to cross with a farmer and his wife who will change their trajectory."
—The Sacramento Bee


"With furious prose and a Faulknerian eye for character, Pollock (The Devil All the Time) populates his second novel with dozens of memorable people who embody America’s headlong leap toward the future in the early 20th century.

In 1917, everything changes for the Jewett brothers—Cane, the capable one; Cob, the “slow” one; and Chimney, the hothead—upon their father’s sudden ascension to the “heavenly table.” With the exploits of their pulp fiction hero Bloody Bill Bucket fresh in their minds, the brothers embark on a violent journey north, escaping the backbreaking, fetid swamps on the Georgia-Alabama border and their lives under the thumb of sadistic landowner Maj. Thaddeus Tardweller. In southern Ohio, aging farmer Ellsworth Fiddler and his wife wait for their prodigal son to return home after a brief absence, during which he may or may not have enlisted in the United States Army to fight in Europe. Facing inexorable change—automobiles, airplanes, the machinery of war and agriculture—Ellsworth and others who frequent the local mercantile are “in agreement that the world now seemed head over heels in love with what tycoons and politicians kept referring to as ‘progress.’ ” But the Fiddlers cannot fathom how their lives will be transformed when the Jewetts ride into town on a crime spree that has made them the most wanted men in the country.

Set against the backdrop of America’s involvement in WWI and the rise of motorized and electrical technology, Pollock’s gothic, relentless imagination seduces readers into a fertile time in America’s history, exploring the chaos, wonder, violence, sexuality, and ambition of a nation on the cusp of modernity—and the outmoded notion of redemption in a world gone to hell."
—Publishers Weekly (starred)

“Donald Ray Pollock is a master-worker.� This great novel flows like buttermilk, so smooth and entertaining that you won't be ready for the left hook it delivers to your heart or its sophisticated moral analysis of human life.� Pollock has an omniscient eye like Gogol, taking in a vast scene while spinning tales within tales.� Readers will love him, writers will study him.”�
�—Atticus Lish, author of Preparation for the Next Life

"The Heavenly Table is brilliant and unforgettable.� In his trademark blend of humor and pathos, Donald Ray Pollock gives us a view into life's darkest corners, without ever forgetting there is a lighter side as well."
�—Philipp Meyer, author of American Rust and The Son

"Think of The Heavenly Table�as an antic, shambolic, guilty pleasure. Pollock’s prose is compulsively readable and often very funny."
—Booklist

"A darkly comic gorefest by a gifted writer."�
—Kirkus

“In a crowded room full of voices, Don Pollock’s voice is so distinct you’ll hear first and won’t ever, ever forget it. Nor will you want to. And the kicker is this: He somehow keeps getting better.”
—Tom Franklin, author of Poachers and Crooked Letter, Crooked Letter

“The Heavenly Table is the latest and strongest evidence that Donald Ray Pollock is one of the most talented and original writers at work today. With uniquely vivid and graceful prose he renders a tale destined to linger in the reader’s mind, a story by turns violent and darkly amusing, and always powerful. The novel is sure to be ranked among the year’s best.”
—Michael Koryta, New York Times-bestselling author of Those Who Wish Me Dead

“The Heavenly Table is a ferociously gothic ballad about desperate folks with improbable dreams and scant means. It is potent and chimeric, dank, violent, swamped in tragedy—and funny as hell.”
—Daniel Woodrell, author of The Maid's Version and Winter's Bone

About the Author
DONALD RAY POLLOCK is the author of the novel The Devil All the Time and the story collection Knockemstiff, recipient of the 2009 PEN/Robert W. Bingham Fellowship. He worked as a laborer at the Mead Paper Mill in Chillicothe, Ohio, from 1973 to 2005. He holds an MFA from Ohio State University.

Most helpful customer reviews

9 of 10 people found the following review helpful.
well worth the wait
By Amazon Customer
Right off the bat you should know this ain't another The Devil All The Time this book is by far one of my most anticipated reads in a long time. I gotta say I loved it. It's not what I was expecting but still a great story. This is a more of a main stream novel something a book club would discuss over tea and cookie and I hope it sells a bizillion copies.That being said I am a sick and twisted kinda guy when it comes to what I read and I was really wanting another sick and twisted story like Devil It feels to me like DRP got all clean cut and tried to write something his high school english teacher could read. I don't recommend Devil to everyone...just the sick folks.....but I will recommend The Heavenly Table to everybody

4 of 5 people found the following review helpful.
This is his third book and it doesn't disappoint. I devoured every word
By Courtney
Pollock has done it again. This is his third book and it doesn't disappoint. I devoured every word. The Heavenly Table is set in the year 1917, just as the the US prepares to enter the first World War. The story centers around Pearl Jewett an impoverished widower and his three sons, Cane, Cob and Chimney. This ragtag family roams the countryside of the South looking for farm labor. They suffer extreme poverty and near starvation and no nothing else. The father of the family, Pearl, is convinced that the suffering they are enduring on Earth is guaranteeing them a place at God's Heavenly Table with more than enough rich and delicious food to eat. The story then moves to rural Southern Ohio to the farm of Ellsworth and Eula Fiddler. They are the parents of one son, Eddie, who is lazy and likes to get into Ellsworth's stash of blueberry wine. Ellsworth gets swindled out of his life savings of $1,000.00 by a fraud who sells him cattle that wasn't his to sell. The Jewetts and the Fiddlers lives intertwine as the tale goes on. Pearl Jewett dies while relieving himself, and his three boys become horse thieves, murderers and bank robbers. Despite this, they are not unsympathetic characters.
Pollock once again weaves a tale rich in detail. The book takes you back to 1917. The advent of the automobile, the army camp that springs up in rural Ohio to train men for WWI, the salons, whorehouses, farmlands, fields, etc.
This book is definitely worth your time if you enjoy Pollock's work as I do.
I don't want to give spoilers, so I hope this review is enough to convince you to read this book.

2 of 2 people found the following review helpful.
Another great piece of literature for Mr. Pollock.
By Chris Dantes
Donald Ray Pollock is an amazing yet highly underrated author. Highly recommended. Definitely read his collection of short stories, Knockemstiff, and his novel The Devil All the Time - well worth the time. If you are a fan of Cormac McCarthy, Flannery O'Connor, or William Faulkner, Mr. Pollock is an author to add to that list. Cannot wait for more literature from him.

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Selasa, 05 Oktober 2010

[E407.Ebook] Ebook Free The Finish Rich Workbook: Creating a Personalized Plan for a Richer Future (Get out of debt, Put your dreams in action and achieve Financia

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The Finish Rich Workbook: Creating a Personalized Plan for a Richer Future (Get out of debt, Put your dreams in action and achieve Financia

No Matter Where You Start, David Bach Can Help You Live and Finish Rich

With his national bestsellers Smart Women Finish Rich and Smart Couples Finish Rich, renowned financial advisor and educator David Bach has taught millions of people of all ages and incomes how to take control of their financial future. His message, that the key to building wealth is “values first, stuff second,” has inspired people all over the world. Now, The Finish Rich Workbook gives couples and singles alike a new opportunity to tailor his advice for their individual circumstances. Combining the down-to-earth, jargon-free approach that has made him so popular with the hands-on practicality of a workbook, this new addition to the Finish Rich series is like having a one-on-one session with David Bach. You will learn how to:

• Use the power of the Latte Factor™, David Bach’s international recognized approach to building wealth on a few dollars a day.

• Apply the Debt Free SolutionTM, a powerful way to reduce debt quickly and repair your credit in the process.

• Organize your financial life in minutes with the FinishRich Inventory Planner™ and File Folder system, including a pull-out summary of where you stand financially.

• Craft a personalized FinishRich QuickStart™ plan–a to-do list for today, this month, and this year, so you can get started right away.

• Find the perfect financial advisor by using the FinishRich Advisor Questionaire™ to find, interview, screen, and score an advisor before you hire them.

Whether you’re working with a few dollars a week or quite a bit more, Bach’s nine-step program will help you put the Finish Rich wisdom right to work for you.

  • Sales Rank: #56646 in Books
  • Published on: 2003-01-01
  • Released on: 2003-01-01
  • Original language: English
  • Number of items: 1
  • Dimensions: 9.30" h x .50" w x 7.40" l, 1.05 pounds
  • Binding: Paperback
  • 240 pages

From the Inside Flap
No Matter Where You Start, David Bach Can Help You Live and Finish Rich
With his national bestsellers "Smart Women Finish Rich and "Smart Couples Finish "Rich, renowned financial advisor and educator David Bach has taught millions of people of all ages and incomes how to take control of their financial future. His message, that the key to building wealth is "values first, stuff second," has inspired people all over the world. Now, "The "Finish Rich Workbook gives couples and singles alike a new opportunity to tailor his advice for their individual circumstances. Combining the down-to-earth, jargon-free approach that has made him so popular with the hands-on practicality of a workbook, this new addition to the "Finish Rich series is like having a one-on-one session with David Bach. You will learn how to:
- Use the power of the Latte Factor(TM), David Bach's international recognized approach to building wealth on a few dollars a day.
- Apply the Debt Free SolutionTM, a powerful way to reduce debt quickly and repair your credit in the process.
- Organize your financial life in minutes with the FinishRich Inventory Planner(TM) and File Folder system, including a pull-out summary of where you stand financially.
- Craft a personalized FinishRich QuickStart(TM) plan-a to-do list for today, this month, and this year, so you can get started right away.
- Find the perfect financial advisor by using the FinishRich Advisor Questionaire(TM) to find, interview, screen, and score an advisor "before you hire them.
Whether you're working with a few dollars a week or quite a bit more, Bach's nine-step program will help you put the "Finish Rich wisdom right to work for you.

About the Author
DAVID BACH is the author of the national bestsellers Smart Women Finish Rich and Smart Couples Finish Rich. The host of his own PBS television special, Smart Women Finish Rich, Bach is recognized as one of the country’s leading financial educators. Bach’s investment principles are taught nationally by thousands of financial advisors through his Smart Women Finish Rich™ and Smart Couples Finish Rich™ Seminars, which hundreds of thousands of people have attended. Prior to founding FinishRich™ Inc., he was a senior vice president of a major New York brokerage firm and a partner of The Bach Group, which during his tenure managed over a half-billion dollars for individual investors. Bach is a contributing editor to Smart Money and lives in New York City with his wife, Michelle.

Excerpt. � Reprinted by permission. All rights reserved.
The Debt-Free Solution
Get Out of Debt...And Stay Out of Debt

A 13-Step Action Plan to Get Out of Credit Card Debt

#1—DETERMINE IF YOU HAVE A CREDIT-CARD PROBLEM.

When it comes to debt, there aren’t any simple rules or formulas. The guideline you should use is how you feel about your situation. So how do you feel? To begin with, get out all your credit cards and all your credit-card statements and put them on the dining room table. (If you are married or have a partner, try to get them to do the same with their cards and statements.) Now list each credit-card account and its current outstanding balance, starting with largest and working down to the smallest. In this way, you will…Figure out how much you owe.

#2—PAY YOUR DEBT DOWN SYSTEMATICALLY.

If you want to keep a card or two for emergency purposes or to build a credit record, that’s fine. But the rest of your plastic is going to be “DOLP”—which stands for Dead On Last Payment. So let’s get DOLPING! Take the current outstanding balance on each statement and divide it by the minimum payment that particular card company wants from you. The result is that account’s DOLP number. Once you’ve figured out the DOLP number for each account, rank them in reverse order. By creating this list, you now know which credit card can be paid off the fastest by making minimum payments. Ideally, your payments should be a lot higher than the minimum. Whatever you can afford to pay above your required minimum payments for the month should be applied to the card with the lowest-ranking DOLP.

#3—GET YOUR CREDIT-CARD COMPANY TO LOWER YOUR INTEREST RATE.

There’s an amazingly simple way to make paying off your credit-card debt easier: Just call your credit-card company and ask for a lower interest rate. First, call the company and ask them to tell you your current effective annual rate. Once you know the real rate, ask to speak with a supervisor. Explain to the supervisor that you just received a new credit-card application from a competing company that is offering a much lower interest rate—and that unless he can match or beat the competitor’s rate, you intend to transfer your balance today. Another way to get a credit-card company to lower your interest rate is to offer to consolidate all of your credit-card debt with them. If nothing else, it means less paperwork for you, since now you have only one credit-card company to deal with (and write checks to), making it that much easier to focus on getting debt-free.

#4—RUN A CREDIT REPORT ON YOURSELF.

Now that you’ve taken an overall look at your debt situation, you need to go deeper. The best way to do that is to have a credit report run on yourself. There are three main companies that keep track of consumer debt and assign credit ratings—Equifax, Experian, and Trans-Union. To get a copy of the report, you should contact the companies directly. In addition to providing credit reports, the Web sites of all three companies offer a variety of services for consumers, including glossaries of credit terms, articles about managing credit, tips for protecting your ID, and explanations to help you understand your credit score.

#5—SCRUTINIZE YOUR CREDIT REPORT FOR MISTAKES.

A little known secret about credit reports is that they are often filled with errors. Here are some examples of the kinds of mistakes that show up on credit reports all the time:
1. Your name, address, or phone number is wrong or out of date.
2. Your social security number is wrong
3. Your birth date is wrong.
4. Your marital status is wrong or out of date.
5. Your payment record is wrong.
6. Credit accounts you consider closed are listed as still being open.
7. You are listed as having credit cards that you never applied for.

#6—KNOW YOUR LEGAL RIGHTS.

If you have credit-card debt, you have basic rights that are guaranteed under the law. In particular, there are two laws you should know about: the Federal Fair Credit Reporting Act and the Federal Fair Debt Collection Practice Act.

The Federal Fair Credit Reporting Act
This act requires that the credit agency listed above provide you with a free credit report in the event you are denied credit based on your report. You have 60 days from the time you find out if you’ve been denied credit to make a written request for a report.

The Federal Fair Debt Collection Practice Act
If you are behind in your payments, this is a law you want to know about. It was enacted specifically to stop the credit-card companies from unfairly harassing you. Among other things, it forbids debt collectors from contacting you directly without your permission. If you don’t feel like talking to them, you can require them to speak to your attorney.

#7—IF YOU FIND A MISTAKE, AGGRESSIVELY CHALLENGE IT.

The information in your credit report is not set in stone—especially if it’s wrong. Not only are the credit-reporting agencies usually willing to correct mistakes, they are legally obligated to do so when you point them out. Here’s what to do to get a credit report fixed if you find a mistake:

1. Credit reports come with what’s called a “request of investigation” form. If you believe there are inaccuracies in your report, fill out this form and send it to the address indicated on it.
2. At the same time, you should write a letter to the company whose charge you are disputing, and send a copy to the credit agency.
3. Watch the calendar. By law, the credit bureau must complete its investigation within 30 days of receiving your written request. Have a follow-up letter ready to go out on Day 31 if the problem has not been solved.


#8—FIND OUT YOUR FICO SCORE.

Fair, Isaac & Co. is a little-known firm based in San Rafael, California, that has developed the most influential credit-rating system around. What they do is take your credit reports and, based on such factors as your payment history, how much you owe, and how long you’ve been borrowing, assign you a number. This number—known as your FICO score—can be used by anyone who is trying to decide whether they should loan you money. So I would spend the time to check yours out and make sure it’s as high as you can make it. If you go to www.myfico.com, you can purchase 30-day access to your FICO report.

#9—IF YOU ARE DROWNING IN DEBT, GET HELP.

Debt problems are the worst. They can cripple your spirit, break your courage, threaten your marriage, and even ruin your health. Fortunately, for those of you who feel overwhelmed, there are places you can turn to for help. Two highly recommended debt counseling agencies are Consumer Credit Counseling Services and Myvesta.org. When you contact one of these agencies, your first goal should be to find out as much as you can about what they can and can’t do to help you. And before you sign on the dotted line with anyone, check with the local chapter of the Better Business Bureau to see if they have any complaints logged against them.

#10—IF YOU ARE IN A CREDIT-CARD HOLE, STOP DIGGING!

If you have problems with credit-card debt, you need to stop carrying your credit cards. Why? So you can’t use them! When I was a “black belt” shopper, I tried every trick in the book to stop spending money. Once I had to pay for everything with cash, my spending went way down. Try leaving your cards at home for two weeks and see how your spending changes. I think you will be pleasantly surprised.

#11—STOP ALL THOSE CREDIT-CARD APPLICATIONS FROM FILLING UP YOUR MAILBOX.

Chances are that hardly a week goes by without some new offer for a credit card arriving in the mail. It’s mind-boggling how relentless these credit-card companies are. Unfortunately, it’s not enough simply to throw these applications into the trash. You’ve go to shred them first. Otherwise, a thief might get a hold of one, apply for the card in your name but with his address, and be off and running with your credit. The best course is to stop the credit-card companies from mailing applications in the first place. You can do this by visiting www.stopjunk.com, a Web site devoted to helping consumers get their names removed from mailing lists. You should also call the National Opt-Out Center toll-free at 888-567-8688 and tell them you want to be taken off all of their credit-card mailing lists.

#12—IF YOU ARE MARRIED OR HAVE A PARTNER, WORK ON YOUR DEBT PROBLEMS TOGETHER.

Nothing will ruin a relationship or end a marriage faster than a debt problem that won’t go away and keeps getting worse. To the many people who insist that it’s their partner’s problem, not theirs, I say you’re fooling yourself. From my experience as a financial advisor and coach to couples, I can tell you this without fear of contradiction: You are in this together. Don’t put off dealing with this issue. Run a credit report on both of you today! Then set a time to get together and discuss how you are doing on this issue. As the saying goes, couples that plan together, stay together.

#13—PROTECT YOURSELF FROM FRAUD.

Identity theft and other credit-card scams are becoming increasingly common. Don’t think it can’t happen to you. To make sure it doesn’t, take the following actions the moment the situation warrants.

1. If your credit cards are lost or stolen, contact the credit-card company immediately to cancel the cards. This may seem obvious, but many people put it off for days, hoping the missing cards will show up.
2. If you suspect you are the victim of identity theft, call the federal hot line. The U.S. Department of Justice now has a toll-free hot line to help people whose identities have been stolen. Call 877-IDTHEFT and let them know what has happened.
3. If you think someone has found out your Social Security number and is using it fraudulently, call the SSA hot line. The toll-free number for the Social Security Fraud Hotline is 800-269-0271.

Most helpful customer reviews

82 of 83 people found the following review helpful.
If you don't need to be motivated, just told what to do, BUY
By B. Rob
I did not buy the book, read the book, or know anything about the book until well after I was done with the WORKBOOK. The only thing I was interested in was saving more money and making my money, which is lazy my nature, work harder for me. 11 months later: An IRA, 401k, "rainy day fund", started saving for a house, and just over 10 thousand dollars of credit card debt GONE! If there is a book, I would imagine it wouldn't be as useful as the workbook, since the workbook basically tells you exactly what to do to start "finishing rich".

After reading a few other personal finance books (ie. quadrants, and rich dad stuff), I was disappointed in the fact that those books didn't actually instruct you on what to do, more than give you the ideas and philosophy to do things. I DID NOT need motivation, I needed a step-by-step plan to follow, and this book did just that.

I found the Automatic millionaire workbook a good tool for learning to make things more automatic (automate your bills and such, no more writing checks)but the "Finish Rich Workbook" is really the only, and best, tool you need to get started making a better life for yourself--without having to increase your income or live on noodles and government cheese.

61 of 64 people found the following review helpful.
Perfect for those who need a simple, clear financial plan
By Kcorn
If you already read financial books, this isn't for you (you'll already know everything in this book) But for the rest of us, this is perfect- a clear, easy and, most importantly, personalized plan for achieving financial goals and staying out of debt, achieving economic security and retiring comfortably. Bach's examples are inspiring and he has tips for controlling expenses - from waiting 48 hours before buying anything that costs $100.00 or more to showing how saving as little as 3.33 a day can add up to significant savings over time. His graphs and tables are very easy to follow and his worksheets are equally simple.
Perfect for anyone wanting to save more, from students just out of college to families in a budget crunch.

20 of 22 people found the following review helpful.
Everyone should do this workbook!
By uber cool
I have read a lot of money books and this book by far was the most helpful, easy, current personal finance book I have read. It is interactive and makes you write down your financial details in depth so you can really see what is your financial situation and apply the techniques given by David Bach.

It also gives a new perspective of what your goals and values are and how you should plan your finances to acheive your goals and BE the person you want to be.

It is very thorough and gives REAL specific information eg. myfico.com was so helpful, numbers and websites of investment companies etc.

It allows for people with all types of goals and incomes to improve thier financial knowledge and situation in thier own terms.

I have also read automatic millionare which was good too but this interative workbook will give you a kick in the pants to actually make you change the way you deal with your money. Writing it down makes all the difference.

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The Finish Rich Workbook: Creating a Personalized Plan for a Richer Future (Get out of debt, Put your dreams in action and achieve Financia PDF

The Finish Rich Workbook: Creating a Personalized Plan for a Richer Future (Get out of debt, Put your dreams in action and achieve Financia PDF

The Finish Rich Workbook: Creating a Personalized Plan for a Richer Future (Get out of debt, Put your dreams in action and achieve Financia PDF
The Finish Rich Workbook: Creating a Personalized Plan for a Richer Future (Get out of debt, Put your dreams in action and achieve Financia PDF