Beating the College Debt Trap presents students with a better way to do college. The radically counter-cultural truth is that students don’t have to be totally dependent on Mom, Dad, or Uncle Sam to get the most out of college. Graduation on a solid financial foundation is possible. But it will require intentionality, creativity, hard work, and a willingness to delay gratification. Chediak gets into the nitty-gritty of how to get work and make money during the college years, pay off any loans quickly, spend less, save more, and stay out of debt for good. He also unpacks how to transition from college into career, honor God while achieving financial independence, and use your finances to make a positive, eternally-significant difference in the lives of others. As a young engineering professor with an aptitude for finances and money management, Chediak has become particularly concerned with the financial health of young adults, especially in light of the ever increasing costs of college. In Beating the College Debt Trap he helps do something about this problem. He engages, in a friendly manner, the “real world” financial issues that 17-25 year olds face, with clarity, practical help, lots of illustrations, and a little humor, while conveying a distinctly Christian perspective.
Christians are supposed to be happy. In fact, we are supposed to radiate joy, peace, and contentment that is so unmistakable and so attractive that others are naturally drawn to us because they want what we have. And yet, in today's culture, the vast majority of Christians are perceived as angry, judgmental people who don't seem to derive any joy from life whatsoever. So why aren't we happy? Unfortunately, many Christians are taught early on that God doesn't want us to be happy (he wants us to be holy). In fact, many Christians are laboring under the false notion that God himself is not happy. But nothing could be further from the truth! God does want us to be happy. The Bible is filled with verses that prove that ours is a happy, joy-filled God who not only loves celebrations but also desperately wants his children to be happy. Why else would He go to the lengths He did to ensure our eternal happiness in His presence? We know that we will experience unimaginable joy and happiness in Heaven, but that doesn't mean we can't also experience joy and happiness here on earth. In Happiness, noted theologian Randy Alcorn dispels centuries of misconceptions about happiness and provides indisputable proof that God not only wants us to be happy, He commands it. The most definitive study on the subject of happiness to date, this book is a paradigm-shifting wake-up call for the church and Christians everywhere.
This is our binary copy stack of 609 pages of utter horse shit and what seems like an accumulation of content that is far underground and censored, not shown on Media Relations TV or Radio or even the crap CIA 8080 World Wide Wiretap...
Director of the Chapman journalism program—and mother of four recent college grads—Susan F. Paterno leads you through the admissions process to help you and your family make the best decision possible. How is it possible that Harvard is more affordable for most American families than their local state university? Or that up to half of eligible students receive no financial aid? Or that public universities are rejecting homegrown middle- and working-class applicants and instead enrolling wealthy out-of- state students? College admission has escalated into a high-stakes game of emotional and financial survival. How is the deck stacked against you? And what can you do about it? Susan F. Paterno, a veteran academic and journalist, answers these questions and more in Game On. Paterno helped her four very different kids navigate the application process to a wide range of colleges, paying for their four-year educations on a finite budget. She incisively decodes the college admission industry—the consultants, the tutors, the rankers, the branding companies hawking “advantage”—and arms you with the knowledge you need to make the system work for you. You’ll learn how to narrow your focus, analyze who gets in and why, and look for the right financial fit before considering anything else, including geography, reputation, and, especially, ranking. Among the tools and insights in Game On: · Why forty years of failed free-market policies have led to skyrocketing tuition and historic levels of student debt · Why applying to college has become a bewildering maze and how to find your way to a successful result · Why college costs are more terrifying than you think · How to read beyond the rack rate to negotiate the best financial package with the least debt · Why merit is a myth, but merit aid is essential · The difference between family debt and student debt and how to split it A playbook for the Hunger Games of higher education, Game On explains the anxiety, uncertainty, and chaos in college admission, explodes the myth of meritocracy, exposes the academy’s connection to America’s widening gap between rich and poor, and provides strategies to beat—and reform—a broken system.
Credit and debt appear to be natural, permanent facets of Americans' lives, but a debt-based economy and debt-financed lifestyles are actually recent inventions. In 1951 Diners Club issued a plastic card that enabled patrons to pay for their meals at select New York City restaurants at the end of each month. Soon other "charge cards" (as they were then known) offered the convenience for travelers throughout the United States to pay for hotels, food, and entertainment on credit. In the 1970s the advent of computers and the deregulation of banking created an explosion in credit card use—and consumer debt. With gigantic national banks and computer systems that allowed variable interest rates, consumer screening, mass mailings, and methods to discipline slow payers with penalties and fees, middle-class Americans experienced a sea change in their lives. Given the enormous profits from issuing credit, banks and chain stores used aggressive marketing to reach Americans experiencing such crises as divorce or unemployment, to help them make ends meet or to persuade them that they could live beyond their means. After banks exhausted the profits from this group of people, they moved into the market for college credit cards and student loans and then into predatory lending (through check-cashing stores and pawnshops) to the poor. In 2003, Americans owed nearly $8 trillion in consumer debt, amounting to 130 percent of their average disposable income. The role of credit and debt in people's lives is one of the most important social and economic issues of our age. Brett Williams provides a sobering and frank investigation of the credit industry and how it came to dominate the lives of most Americans by propelling the social changes that are enacted when an economy is based on debt. Williams argues that credit and debt act to obscure, reproduce, and exacerbate other inequalities. It is in the best interest of the banks, corporations, and their shareholders to keep consumer debt at high levels. By targeting low-income and young people who would not be eligible for credit in other businesses, these companies are able quickly to gain a stranglehold on the finances of millions. Throughout, Williams provides firsthand accounts of how Americans from all socioeconomic levels use credit. These vignettes complement the history and technical issues of the credit industry, including strategies people use to manage debt, how credit functions in their lives, how they understand their own indebtedness, and the sometimes tragic impact of massive debt on people's lives.
Secrets of The Electric Guitarist You play guitar. You love guitar. Now learn the REST! Secrets of The Electric Guitarist offers solid gold advice about being a great overall guitarist and musician, and the music business. Rick Stack provides an insider’s look at the world of a working musician, with practical “how to” steps, about playing in a band and performing, writing and recording music, buying music equipment, and health as related to being a musician. The book will keep you entertained with stories from Rick’s musical experiences. Are you ready to begin your journey of being the most complete guitarist and musician you can be? Shredding out cool riffs and licks is awesome, but there is a lot more to being an amazing guitarist as a working musician. You will learn all about starting a cover band, original band, being a band leader or a sideman. You will also learn the best way to run rehearsals, get great gigs, and tips on how to get your performing game rocking. Discover how easy it is to get started writing your own songs, and with Rick’s help you will get a clear road map to the recording process, with making home demos and going into a professional recording studio. You will gain insight into having effective and efficient guitar practice sessions. Learn health related advice to stay in top form and not get injured. Are you unsure what 6L6 tubes are or what scale length is on a guitar? Find out all you need to know about music equipment, so you can get amazing tone. Anything you do beyond playing as a hobby is going to require some knowledge of the music business. If you would like to be (or are already) a semi-professional/weekend warrior, or full time professional musician, you will want to know the secrets that will allow you to navigate the music industry with confidence. And how about making money? There is a myth that musicians don’t make much money. Rick dispels this myth and gives you a clear plan of attack to make your music career flourish. Secrets of The Electric Guitarist is a reference to use any time you embark on one of topics contained in the book. This is also a fun read for “guitar nerds” who love all things guitar. It took Rick over 35 years to learn everything in this book. You can learn it all here!
Most Anticipated by Daily Hive The personal and political life of First Lady Dr. Jill Biden Dr. Jill Biden has been described as President Joe Biden’s greatest political asset. Like many women of her generation, she holds her commitments as wife, mother and grandmother at the center of her life. She is a professor, earned a doctorate in educational leadership, and taught at Northern Virginia Community College. She broke barriers as First Lady as the first to hold a paying job outside the White House. “Jill” is the story of this accomplished American woman. From her earliest days dating Senator Biden, to her embrace of Biden’s young sons Beau and Hunter Biden and the birth of their daughter Ashley; her role by Joe Biden’s side through Senate reelection race after Senate reelection race; her years as Second Lady; to Joe’s successful third run for the Democratic presidential nomination, Jill has lived in the public eye. In this deeply reported biography, Julie Pace and Darlene Superville of The Associated Press, along with writer Evelyn M. Duffy, reveal some of the private sides of Jill Biden. We come to better understand her personality, which has held the Biden family together through tragedy and good fortune alike.
Discover techniques and skills that are applicable in ANY sales career! If you could change your future in only a short four months, would you take the challenge? Thanks to the summer sales industry, thousands of young men and women have done just that--changed their lives. This industry gives individuals the opportunity to financially support themselves through school and land successful careers. Even with scholarships, the average student pursuing graduate level education exits school with $30,000 in debt. However, the swiftly growing summer sales industry offers students two bullets for their holster: the opportunity to graduate debt free, as well as develop skill-sets and experience that profitable companies look for in the hiring process. In this book, fifteen of America's youngest and brightest summer sales gurus unfold their experiences with sales. This industry changed their lives . . . will it change yours?