The genesis of the sub prime fiasco that resulted in this catastrophic financial melt down began with flawed credit reports. These were the bed rock upon which this house of cards was constructed. But the big question is how could these villains have escaped censure during the media blitz of the past year that blamed anyone remotely responsible? This gold standard of the FICO scores fails even base metal quality. How can these most malignant contributors be over looked and forgotten? Just how have they seemingly totally escaped criticism? Proof of inflation FICO scores is the elephant outside that is evidenced by the millions and millions of existing bad loans complete with documentation. Proof of misdeeds are legend. No conversation will be sufficient to offset these lies accepted as gospel. FICO is a four letter word explains it all.

Veteran financial journalist and pundit Gerri Willis takes on the progressive mind-set championed by liberals that gives government bureaucrats the right to decide what's best for us, resulting in bigger government programs, more bureaucracy, and more wasted taxpayer money. She dissects Obamacare and Democratic tax initiatives to show how they have hamstrung the average American. Then she shows us how to overcome these left-wing financial hurdles and grow our nest eggs, despite the political pickpocketing from Washington. Among the topics she tackles: how the progressive agenda has robbed Americans of their financial freedom, and how to get it back; how the open spigot of college loan dollars has encouraged college administrators to boost tuition each and every year; how, with a stroke of President Obama's pen, company-sponsored healthcare coverage was put on deathwatch, as companies abandon employee healthcare coverage; why the knee-jerk progressive response to the 2008 market crash and subsequent recession has acted as an albatross on the shoulders of American corporations, keeping corporate tax rates at sky-high levels among Western nations--and what we can do to create jobs and jump-start the economy. For all those who want to take control of their financial future--from mastering the intricacies of the tax system to planning for their future retirement, from managing their healthcare costs to navigating the costs of their children's college education--this is the book you need to achieve the financial success you've earned and you deserve.--Adapted from dust jacket.

This is an entirely unique educational prosperity-building program unlike any other available today and was created for the benefit of the participants for the common good and future prosperity for each of them. It has become my personal and passionate pursuit and one that has created a Christian-based formula for prosperity success for each of our participants.

Start Here: Getting Your Financial Life on Track is the guide to fulfilling your dreams. It's a study of tactics: concrete plans and procedures for getting what you want, specifically in the realm of money. Start Here guides you through many different stages of your financial life. The information is clear and concise, never too complex and never too simple. For example, when you decide to move in with your significant other, Start Here has many useful guidelines to protect the financial interests of you and your loved one. This practical advice covers everything from pre-nuptial agreements (both formal and informal) to creating and financing a "house" account. Unlike other similarly focused titles, Start Here is produced by an organization that has no agenda to push, no outside products to advertise, and no commercial services to highlight.

I have spent the last twenty years selling credit information to banks, credit unions, and mortgage companies. I have heard every credit situation and continue to see something new every day. I will share with you the history of the Three major repositories, from how they started to who owns them now. I will explain what I know about the different scoring models and what strategies I have used for my clients to help build strong credit files that will allow you to live a better life. More than ever we are living in a world that makes snap decisions and the quickest way to be dismissed is with a low credit score. If you are trying to get a job, and you are one of five they are selecting from, you want to be the one with the best credit.

Need a job? An apartment? Insurance? A plan to pay for it all, without going into debt? Know how to cook and iron? And what ever happened to the weekend keg party? It seems like only yesterday that you were tossing your graduation cap in the air. Now, you're confronted with challenging real-world questions. There's no need to stress. Here's help. Hundreds of graduates help you navigate the real world with hard-won wisdom, tips, and advice. It's an orientation guide to becoming a successful, semi-mature adult. Life After College is the roommate every new college grad needs. Topics covered include: - Finding and Keeping Your Dream Job - Working Well with Bosses and Coworkers - The Perfect Place to Live - and How to Get There - Off-Campus Love - Cooking, Clothing, Etiquette - and Other Grown-Up Stuff - Is Grad School for You? - Savvy Advice on Budgeting - and Getting By with Less With a special financial"how-to" guide from the American Institute for Economic Research.

Clarence S. Frasier is a first time author and commentator of social events. His first book: How To Grow Up Young, Black and Male in America (And a few other things everyone else is afraid to tell you) is a guide for young men facing uncertain paths in life. His style is straight forward- some what brash but well natured and dotted with humor. In this book he considers many points that young men may face during the transition from adolescence to young adulthood. From credit to drugs, cars to manners- he gives precise pointed comments on the realities and consequences of individual actions. This book is written from the writers life experience and has life stories inserted to teach life lessons.

For the first time in paperback we bring you the authoritative and comprehensive guide for people who seek to protect their privacy as well as for anyone who’s ever entertained the fantasy of disappearing—whether actually dropping out of sight or by eliminating the traceable evidence of their existence. Written by the world’s leading experts on finding people and helping people avoid being found, How to Disappearcovers everything from tools for disappearing to discovering and eliminating the nearly invisible tracks and clues we tend to leave wherever we go. Learn the three keys to disappearing, all about your electronic footprints, the dangers and opportunities of social networking sites, and how to disappear from a stalker. Frank Ahearn and Eileen Horan provide field-tested methods for maintaining privacy, as well as tactics and strategies for protecting personal information and preventing identity theft. They explain and illustrate key tactics such as misinformation (destroying all the data known about you); disinformation (creating fake trails); and, finally, reformation—the act of getting you from point A to point B without leaving clues. Ahearn illustrates every step with real-life stories of his fascinating career, from undercover work to nab thieving department store employees to a stint as a private investigator; and, later, as a career “skip tracer” who finds people who don’t want to be found. In 1997, when news broke of President Bill Clinton’s dalliance with a White House intern, Ahearn was hired to find her. When Oscar statuettes were stolen in Beverly Hills, Ahearn pinpointed a principal in the caper to help solve the case. When Russell Crowe threw a telephone at a hotel clerk in 2005, Ahearn located the victim and hid him from the media. An indispensable resource not just for those determined to become utterly anonymous, but also for just about anyone in the brave new world of on-line information, How to Disappear sums up Ahearn’s dual philosophy: Don’t break the law, but know how to protect yourself.

Translating Culture Specific References on Television provides a model for investigating the problems posed by culture specific references in translation, drawing on case studies that explore the translational norms of contemporary Italian dubbing practices. This monograph makes a distinctive contribution to the study of audiovisual translation and culture specific references in its focus on dubbing as opposed to subtitling, and on contemporary television series, rather than cinema. Irene Ranzato’s research involves detailed analysis of three TV series dubbed into Italian, drawing on a corpus of 95 hours that includes nearly 3,000 CSR translations. Ranzato proposes a new taxonomy of strategies for the translation of CSRs and explores the sociocultural, pragmatic and ideological implications of audiovisual translation for the small screen.

The English Language Word Builder organizes English words in a way that is beneficial to anyone wishing to improve their vocabulary, from those learning the English language through to those wishing to excel at word games such as Scrabble. The book contains the basic form of some 82,500 words from two to nine letters in length, and is organized in chapters depending on the word length. Within each chapter, words are designated as either familiar or less familiar, with the familiar words deemed to be those of most use when communicating in English. With the exception of less familiar nine-letter words, each word is assigned a part of speech which is evident from formatting applied. For example, underlining indicates verbs while bold type indicates adjectives and other words that cannot be pluralized. Symbols are used to indicate additional forms of each basic word, with a special symbol being used to designate irregular verbs. Within sections of familiar words in each chapter, words are grouped in accordance with their part of speech. Within sections of less familiar words, words are grouped firstly into those which are built from shorter words, and then into all other words with various groupings depending on the word length. Available single letter extensions of basic words are shown by a lower case letter at the end of each capitalized main word. This enables users of the book to build on their existing vocabulary to make new words, either for use in word games or in communicating in English.