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Driving is a privilege and not a right. Drivers must drive responsibly and safely, obey traffic laws, and never drink and drive. Finally, make sure that you and your passengers are properly buckled up - it's the law! Today's vehicles are loaded with technology that was unheard of even a decade ago. Systems that warn when you are drifting from your lane, assist you in parallel parking, automatically brake in emergency situations and provide 360 degrees of vision around the vehicle via a camera are becoming standard, even on moderately priced vehicles. As remarkable as these leaps in automotive technology are, the truth is that the most important safety feature in any vehicle remains you as the driver. Therefore, it is to your benefit to continue improving and expanding your knowledge of traffic laws and safe driving practices. Driving is a privilege. Once you have been issued a driver's license, you have the responsibility to continually demonstrate the skill and knowledge to drive safely. Whether you have been behind the wheel for decades or are just starting to venture out, driving is a discipline that requires judgment, knowledge, physical and mental self-awareness, and practice. "What Every Driver Must Know" is an excellent resource for assisting you on this lifelong journey.
Illinois 2021 Rules of the Road handbook, drive safe!
Written by a practicing emergency physician, The White Coat Investor is a high-yield manual that specifically deals with the financial issues facing medical students, residents, physicians, dentists, and similar high-income professionals. Doctors are highly-educated and extensively trained at making difficult diagnoses and performing life saving procedures. However, they receive little to no training in business, personal finance, investing, insurance, taxes, estate planning, and asset protection. This book fills in the gaps and will teach you to use your high income to escape from your student loans, provide for your family, build wealth, and stop getting ripped off by unscrupulous financial professionals. Straight talk and clear explanations allow the book to be easily digested by a novice to the subject matter yet the book also contains advanced concepts specific to physicians you won't find in other financial books. This book will teach you how to: Graduate from medical school with as little debt as possible Escape from student loans within two to five years of residency graduation Purchase the right types and amounts of insurance Decide when to buy a house and how much to spend on it Learn to invest in a sensible, low-cost and effective manner with or without the assistance of an advisor Avoid investments which are designed to be sold, not bought Select advisors who give great service and advice at a fair price Become a millionaire within five to ten years of residency graduation Use a "Backdoor Roth IRA" and "Stealth IRA" to boost your retirement funds and decrease your taxes Protect your hard-won assets from professional and personal lawsuits Avoid estate taxes, avoid probate, and ensure your children and your money go where you want when you die Minimize your tax burden, keeping more of your hard-earned money Decide between an employee job and an independent contractor job Choose between sole proprietorship, Limited Liability Company, S Corporation, and C Corporation Take a look at the first pages of the book by clicking on the Look Inside feature Praise For The White Coat Investor "Much of my financial planning practice is helping doctors to correct mistakes that reading this book would have avoided in the first place." - Allan S. Roth, MBA, CPA, CFP(R), Author of How a Second Grader Beats Wall Street "Jim Dahle has done a lot of thinking about the peculiar financial problems facing physicians, and you, lucky reader, are about to reap the bounty of both his experience and his research." - William J. Bernstein, MD, Author of The Investor's Manifesto and seven other investing books "This book should be in every career counselor's office and delivered with every medical degree." - Rick Van Ness, Author of Common Sense Investing "The White Coat Investor provides an expert consult for your finances. I now feel confident I can be a millionaire at 40 without feeling like a jerk." - Joe Jones, DO "Jim Dahle has done for physician financial illiteracy what penicillin did for neurosyphilis." - Dennis Bethel, MD "An excellent practical personal finance guide for physicians in training and in practice from a non biased source we can actually trust." - Greg E Wilde, M.D Scroll up, click the buy button, and get started today!
Introduction to Personal Finance invites students to reflect on their values and behaviors with money and to set goals to reach financial freedom and financial wellness. Author Kristen Carioti provides clear, step-by-step guidance on the essential building blocks, from setting up an emergency fund, to navigating student loans and investing for retirement. Students are encouraged to evaluate their personal relationship with money and mindfully assess their behavior so they can set and reach achievable financial goals.
Contents: Part I -- Be A Savvy Consumer: Buyer Beware; Banking; Cars; Credit; Financing Your Education; Employment; Food and Nutrition; Health Care; Housing; Insurance; Internet; Investing; Phones; Privacy Protection and Identity Theft; Smart Home Shopping; Telemarketing and Unwanted Mail; Travel; TV; Wills and Funerals; Part II -- Filing a Complaint: Contact the Seller; Contact Third Parties; Sample Complaint Letter: Dispute Resolution Programs; Small Claims Court; Legal Help and Information; Report Fraud and Safety Hazard; Part III -- Key Information Resources: For Teachers; For Persons with Disabilities; For Military Personnel; Part IV -- Consumer Assistance Directory. Illus.
Contents: (Part 1) Be a Savvy Consumer: Buyer Beware; Cars; Banking; Credit; Loans; Financing Your Educ.; Employ.; Food and Nutrition; Health Care; Housing; Insur.: Internet; Investing; Phones; Identity Theft; Home Shopping; Telemark. and Mail; Travel; TV; Utilities; Wills and Funerals; (Part 2) Complaint Filing: Contact the Seller; Contact 3rd Parties; Sample Complaint Letter; (Part 3) Info. Resources: Teachers; Persons with Disabil.; Mil. Personnel; (Part 4) Consumer Assist. Directory: Auto. Mfrs.; Better Bus. Bureaus; Corp. Contacts; SOCAP Internat.; Fed. Agencies; Nat. Consumer Org.; State, County and City Consumer Protection Offices; State Banking Auth.; State Insur. Reg.; State Securities Admin.; State Util. Comm.; Trade and Prof. Assoc.
Use this guide to get help with consumer purchases, problems and complaints. Find consumer contacts at hundreds of companies and trade associations; local, state, and federal government agencies; national consumer organizations; and more.
Whether you're a PC novice or you're already familiar with certain aspects of your PC, the book will help you get more from your PC. It's packed with simple, detailed explanations to help you expand your knowledge.