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The Debt $12.99 The national bestseller by the author of Defending the Spirit . In this powerful and controversial book, distinguished African-American political leader and thinker Randall Robinson argues for the restoration of the rich history that slavery and segregation severed. Drawing from research and personal experience, he shows that only by reclaiming their lost past and proud heritage can blacks lay the foundation for their future. And white Americans can make reparations for slavery and the century of racial discrimination that followed with monetary restitution, educational programs, and the kinds of equal opportunities that will ensure the social and economic success of all its citizens. In a book that is both an unflinching indictment of past wrongs and an impassioned call to our nation to educate all Americans about the history of Africa and its people, Robinson makes a persuasive case for the debt white America owes blacks, and the debt blacks owe themselves. |
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In Debt To $9.99 In Debt To |
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Deciding to Enter Tertiary Education and Taking on Debt $97.19 This research investigated longitudinally the role of debt in a cohort of 1232 finalyear New Zealand secondary school students. Two surveys were conducted to address students debt and savings behaviour and estimates, tertiary education entry decisions, and attitudes to tertiary education and termtime working. Debt attitudes were found to be more complex than previously proposed, and this has significant ramifications for debt attitude theory and research. Longitudinal comparisons suggested students become more or less avoidant of debt depending on their circumstances. However, debt attitude results still support many of the findings of earlier research such as debt acquisition preceding a more tolerant attitude change. Debt and tertiary education attitudes are not well predicted. Students report engaging in termtime working to limit their student loans, but engaging in termtime working results in lower grades in their studies. Those from the middle and higher socioeconomic classes are more likely to be positive towards tertiary education, and thus entrants, compared with the lower socioeconomic classes. Author: Haultain, Steve Binding Type: Paperback Number of Pages: 224 Publication Date: 2010/05/19 Language: English Dimensions: 6.00 x 9.00 x 0.51 inches |
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Debt Debt $12.49 Debt Debt |
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Foundations of Education $151.94 FOUNDATIONS OF EDUCATION, Eleventh Edition, helps students understand the key educational issues and policies affecting American education. Through an array of applied features, the authors help to prepare users for their careers by tying the book's themes to users' future practice. These include "TeachSource Video Cases," "From Pre-Service to Practice" real-world teaching examples, and "Certification Connection Activities." Reflective pedagogy encourages users to form their own unique philosophy of teaching, laying a strong foundation for a lifelong career. Completely up-to-date throughout, this eleventh edition also provides the latest information on accountability, technology, diversity, and many other important topics. |
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Ceoe Osat Physical Education-Safety-Health Field 12 Certification Test Prep Study Guide $56.62 Includes 27 competencies/skills found on the CEOE OSAT Physical Education-Health-Safety test and 139 sample-test questions. This guide, aligned specifically to standards prescribed by the Oklahoma Department of Education, covers the sub-areas of Growth and Development; Health Concepts; Health-Related Physical Fitness; Foundation of Movement and Sports Activities; and Instruction, Assessment and Professional Knowledge. |
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ISO/IEC 20000 Foundation Complete Certification Kit $99.95 Complete ISO/IEC 20000 Foundation Certification exam prep 136 page study guide plus supplemental interactive eLearn course, including in-depth coverage of all exam objectives, narrated PowerPoint presentations & multiple-choice assessments. |
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Debt-Free College Education or a Debtor's Burden?: 77 Ways Parents and Students Can Avoid the Burden of College Debt $3.95 Offering realistic solutions in helping prepare college students for a debt-free education, this guide gives real-life advice and answers to the quest of living without debt. Creating awareness, stimulating thinking, and inspiring realistic solutions to avoiding debt is at the book's core as it motivates the development of a positive learning environment within the family. Presenting professional counsel and commonsense suggestions, this guide helps readers take control of their financial future in fiscally responsible ways. |
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Debt Free For Life $11.99 GOODBYE DEBT—HELLO FREEDOM!   Most of us grew up with the idea that there is good debt and there is bad debt.   Good debts are generally considered to be debts you incur to buy things that can go up in value—like a home or college education.  Bad debts are things like credit card balances, where you borrowed money to buy things that depreciate or go down in value, like most consumer goods. But as America’s favorite financial coach, David Bach, points out, in difficult times there is no such thing as good debt.   There is only debt .  And all debt is too expensive—if what you desire is FREEDOM!  In fact, Bach believes the best investment you can make today is to pay down your debt, faster and smarter than you have ever attempted before— starting today! In Debt Free for Life , #1 New York Times bestselling author David Bach has written his most groundbreaking and important book since The Automatic Millionaire , giving us the knowledge, the tools, and the mindset we need to get out of debt and achieve financial freedom— forever !  Offering a revolutionary approach to personal finance that teaches you how to pay down your debt and adopt a whole new way of living – debt free. Bach unveils the Debt Wise program that empowers you to pare down your debt automatically.  You’ll learn how to calculate your Debt Freedom Day – the actual date you will be completely free of debt.  And you’ll discover that when you are debt free, you need a lot less money to live on. You can retire, even with a smaller nest egg -- perhaps earlier than you expected. David Bach has coached millions to pay off their debt and now he can guide you.  Whether you have home loans, student loans, car loans, credit card debt—paying down your debt is truly a game you can win, if you know the rules.  Debt Free For Life will teach you the rules and give you the tools to buy back your freedom.   From the Hardcover edition. |
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Place Early Childhood Education 02 Teacher Certification Test Prep Study Guide $56.83 Teacher Certification Study guide in Early Childhood Education for the state of Colorado |
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Place 01 Elementary Education Teacher Certification Exam $48.97 Includes 36 competencies/skills found on the PLACE Elementary Education test and 100 sample-test questions. This guide, aligned specifically to standards prescribed by the Colorado Department of Education, covers the sub-areas of Language Arts and Literacy; Science; Mathematics; Social Studies; Humanities; and Wellness and Physical Education. |
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The Debt-Free Millionaire $24.95 Praise for The Debt-Free Millionaire " The Debt-Free Millionaire is a clarion call for a generation that was brought up on spending tomorrow's money today. As someone who spent time in the financial services industry, I can unequivocally state that Anthony's pragmatic and refreshingly contrarian approach to the real secrets of cash-flow management—and leveraging the credit system—are a breath of fresh air in a smog-choked world of misinformation and confusing financial advice.I can think of a million reasons to read it." —Michael DiFrisco President, BrandXcellence "Read this book. Do what it says. Start living the dream. If you're ready totake charge of your financial future, this is the place to start." —Keith J. Cunningham Keys to the Vault & Business School for Entrepreneurs "The Debt-Free Millionaire offers unique insights, little known strategies and easy-to-understand practical tools to first manage then eliminate debt. It is amust read for both consumers and financial professionals to better explain the often complex world of debt management. More like getting sensible advice from a good friend than a technical financial advisor." —Roy Balfour President of Ro-Mart Inc. "Tony has produced a clear and straightforward guide to debt, and how to eliminate it, that is as timely as it is needed. Anyone who follows the program in this book will be glad they did." —Jeffrey K. Meek Former Vice President–Recovery Operations, WaMu Card Services "Great for readers of all ages and in all financial stages. This isn't one of those get-rich-quick schemes. This book provides a foundation for a paradigm shift in your thinking process and allows for you to see how toachieve the seemingly unachievable. I was hooked from the beginning!" —Jenna Keehnen Executive Director, www.USOBA.org |
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Professional Certification (Business) $54.86 High Quality Content by WIKIPEDIA articles A professional certification, trade certification, or professional designation (often called simply certification or qualification) is a designation earned by a person to assure that he/she is qualified to perform a job or task. Certifications, generally, need to be renewed periodically, or may be valid for a specific period of time. As a part of a complete renewal of an individuals certification, it is common for the individual to show evidence of continual learning often termed continuing education or earning continuing education units (CEU). Author: Surhone, Lambert M./ Timpledon, Miriam T./ Marseken, Susan F. Binding Type: Paperback Number of Pages: 64 Publication Date: 2010/07/13 Language: English Dimensions: 6.00 x 9.02 x 0.15 inches |
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Professional Certification in Financial Services $43.33 High Quality Content by WIKIPEDIA articles A professional certification, trade certification, or professional designation is a designation a person earns to demonstrate qualification for a job or task. The Certified Financial Planner (CFP) designation is a certification mark for financial planners conferred by the Certified Financial Planner Board of Standards. To receive authorization to use the designation, the candidate must meet education, examination, experience and ethics requirements, and pay an ongoing certification fee. The Certified Treasury Professional (CTP) designation is a certification for treasurers, cash managers, treasury managers, and other treasury-related professionals administered by the Bethesda, Maryland-based Association for Financial Professionals (AFP). The CTP was formerly known as the Certified Cash Manager or CCM designation but was renamed due to treasury's increasing role in managing the entire balance sheet and implementing the strategic direction prescribed by Chief Financial Officers. |
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Biofeedback Certification International Alliance $98.77 High Quality Content by WIKIPEDIA articles High Quality Content by WIKIPEDIA articles The Biofeedback Certification International Alliance (formerly the Biofeedback Certification Institute of America) was created in 1981 as a nonprofit organization. BCIA is a member of the Institute for Credentialing Excellence (ICE). BCIA certifies individuals who meet education and training standards in biofeedback and neurofeedback and progressively recertifies those who satisfy continuing education requirements. BCIA certification has been endorsed by the Mayo Clinic, the Association for Applied Psychophysiology and Biofeedback (AAPB), the International Society for Neurofeedback and Research (ISNR), and the Washington State Legislature. Author: Surhone, Lambert M./ Tennoe, Mariam T./ Henssonow, Susan F. Binding Type: Paperback Number of Pages: 172 Publication Date: 2010/08/21 Language: English Dimensions: 6.00 x 9.02 x 0.40 inches |
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Smart Debt: Borrow Wisely, Live Rich $3.94 How the Rich Get Richer If you're like most Americans, debt is a way of life. So what separates the rich from the poor? The wealthy use debt to improve their financial situation--we call that "Smart Debt"-and the poor use debt for instant gratification and just keep getting deeper in the hole. Smart Debt is getting the best interest rate, budgeting the right amount of your income to pay off debt, and borrowing only what you can afford. Smart Debt puts your money to work for you. In this book, you'll discover money-saving strategies for every type of debt: Mortgages Education loans Auto loans Business loans Credit cards And more We'll transform the way you look at debt and let you in on the best-kept secret of America's wealthy: how to borrow money to make money. |
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Debt-Free U (Unabridged) $21.29 These days, most people assume you need to pay a boatload of money for a quality college education.... |
Student Loan Debt Not a 'National Crisis,' Data Shows by Jeff Mictabor
Despite a vocal minority who claim they face a "student loan crisis" that threatens their financial future - one in which, as college graduates, they labor to repay overwhelming amounts of federal and private student loan debt - a surprisingly large number of college students actually graduate with little or no debt from student loans, according to recent data.
"Most people borrow a reasonable amount of money, they pay it back, and they are better for having gone to college," said Michael McPherson, president of the Spencer Foundation, an educational research organization.
About one in three college graduates leaves school without any education debt, according to data compiled by the U.S. Department of Education. Of those students who earned a bachelor's degree in the 2007-08 academic year, 34 percent graduated with no debt from student loans - a figure that has held steady over the past four years.
When considering the larger pool of student who received some type of higher education degree or certificate, the percentage of non-borrowing students was even higher: 41 percent of the students who earned either a two-year or four-year degree or certificate in 2007-08 graduated with no student loan debt.
Overall, among the 66 percent of bachelor's degree recipients in 2007-08 who graduated with debt from college loans, 62 percent took out federal student loans and 33 percent took out private student loans, with many students having turned to both federal and private sources for their student loans.
These figures, the latest available, come from the Department of Education's National Postsecondary Student Aid Study, which is conducted every four years.
Student Loan Debt Levels: On the Rise, but Mostly Manageable
Although the proportion of bachelor's degree-earning students who graduated with no education debt remained virtually unchanged in 2007-08 from 2003-04 - at 34 percent compared to 33 percent in the previous NPSAS report - the average amount that students borrowed in college loans has grown.
However, even with these increases in student loan borrowing amounts, the average debt load from student loans has still remained at less than $20,000, the College Board reported in a policy brief summarizing the results of the latest NPSAS ("How Much Are College Students Borrowing?," August 2009).
Among bachelor's-earning graduates who did take out student loans, the median student loan debt was $19,999 in 2007-08, up just 5 percent from $18,973 four years earlier, when adjusted for inflation. For all degree- and certificate-earning students in 2007-08, the median student loan debt was $15,123, up 11 percent from $13,663 in 2003-04.
"People think students are drowning in debt, and there is a small proportion of students that borrow an exorbitant amount," said Sandy Baum, an author of the College Board's brief, "but most students graduate with a manageable debt load."
'Overborrowers' of Student Loans in the Minority
Only 10 percent of those students who received a bachelor's degree in 2007-08 - and just 6 percent of all students who earned some sort of degree or certificate - borrowed more than $40,000, over twice the national average, in student loans.
But it is this minority of student loan borrowers, the "overborrowers," who tend to capture a majority of the media attention and for whom repaying their student loan debt can be a serious financial struggle, writes Robin Wilson for The Chronicle of Higher Education ("A Lifetime of Student Debt? Not Likely," May 22, 2009).
These borrowers, overwhelmed by student loan debt and high monthly payments, may fall into delinquency or default and have difficulties paying for their other bills and basic expenses, qualifying for credit cards or a mortgage, or even finding a job, now that more employers are including a credit review as part of the job application process.
"There are some really poignant, painful stories," McPherson, of the Spencer Foundation, acknowledged. "But they aren't the typical American experience."
About the Author
Despite a vocal minority who claim they face a "student loan crisis" that threatens their financial future - one in which, as college graduates, they labor to repay overwhelming amounts of federal and private student loan debt - a surprisingly large number of college students actually graduate with little or no debt from student loans, according to recent data.
DECAF - Debt Education and Certification Foundation