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This paradigm-shifting book helps believers understand the process of being transformed by God's grace and truth, and challenges them to be a part of the process of discipleship in the lives of their fellow brothers and sisters in Christ. Counseling One Another biblically presents and defends every believer's responsibility to work toward God's goal of conforming us to the image of His Son-a goal reached through the targeted form of intensive discipleship most often referred to as counseling. All Christians will find Counseling One Another useful as they make progress in the life of sanctification and as they discuss issues with their friends, children, spouses, and fellow believers, providing them with a biblical framework for life and one-another ministry in the body of Christ.
Here at last are the hard-to-find answers to the dizzying array of financial questions plaguing those who are age fifty and older. The financial world is more complex than ever, and people are struggling to make sense of it all. If you’re like most people moving into the phase of life where protecting—as well as growing-- assets is paramount, you’re faced with a number of financial puzzles. Maybe you’re struggling to get your kids through college without drawing down your life’s savings. Perhaps you sense your nest egg is at risk and want to move into safer investments. Maybe you’re contemplating downsizing to a smaller home, but aren’t sure of the financial implications. Possibly, medical expenses have become a bigger drain than you expected and you need help assessing options. Perhaps you’ll shortly be eligible for social security but want to optimize when and how to take it. Whatever your specific financial issue, one thing is certain—your range of choices is vast. As the financial world becomes increasingly complex, what you need is deeply researched advice from professionals whose credentials are impeccable and who prize clarity and straightforwardness over financial mumbo-jumbo. Carrie Schwab-Pomerantz and the Schwab team have been helping clients tackle their toughest money issues for decades. Through Carrie’s popular “Ask Carrie” columns, her leadership of the Charles Schwab Foundation, and her work across party lines through two White House administrations and with the President’s Advisory Council on Financial Capability, she has become one of America’s most trusted sources for financial advice. Here, Carrie will not only answer all the questions that keep you up at night, she’ll provide answers to many questions you haven’t considered but should.
In this lively history of consumer debt in America, economic historian Louis Hyman demonstrates that today’s problems are not as new as we think. Borrow examines how the rise of consumer borrowing—virtually unknown before the twentieth century—has altered our culture and economy. Starting in the years before the Great Depression, increased access to money raised living standards but also introduced unforeseen risks. As lending grew more and more profitable, it displaced funds available for business borrowing, setting our economy on an unsustainable course. Told through the vivid stories of individuals and institutions affected by these changes, Borrow charts the collision of commerce and culture in twentieth-century America, giving an historical perspective on what is new—and what is not—in today’s economic turmoil. A Paperback Original
NEW YORK TIMES EDITORS’ CHOICE • A “boisterous and infectious debut novel” (The Guardian) about a group of friends and their immigrant families from Queens, New York—a tenderly observed, fiercely poetic love letter to a modern generation of brown girls. “An acute study of those tender moments of becoming, this is an ode to girlhood, inheritance, and the good trouble the body yields.”—Raven Leilani, author of Luster FINALIST: The New American Voices Award, The Carol Shields Prize for Fiction, The VCU Cabell First Novelist Award, The New American Voices Award, The Center for Fiction First Novel Prize ONE OF THE BEST BOOKS OF THE YEAR: PopSugar, Kirkus Reviews If you really want to know, we are the color of 7-Eleven root beer. The color of sand at Rockaway Beach when it blisters the bottoms of our feet. Color of soil . . . Welcome to Queens, New York, where streets echo with languages from all over the globe, subways rumble above dollar stores, trees bloom and topple over sidewalks, and the funky scent of the Atlantic Ocean wafts in from Rockaway Beach. Within one of New York City’s most vibrant and eclectic boroughs, young women of color like Nadira, Gabby, Naz, Trish, Angelique, and countless others, attempt to reconcile their immigrant backgrounds with the American culture in which they come of age. Here, they become friends for life—or so they vow. Exuberant and wild, together they roam The City That Never Sleeps, sing Mariah Carey at the tops of their lungs, yearn for crushes who pay them no mind—and break the hearts of those who do—all while trying to heed their mothers’ commands to be obedient daughters. But as they age, their paths diverge and rifts form between them, as some choose to remain on familiar streets, while others find themselves ascending in the world, beckoned by existences foreign and seemingly at odds with their humble roots. A blazingly original debut novel told by a chorus of unforgettable voices, Brown Girls illustrates a collective portrait of childhood, adulthood, and beyond, and is a striking exploration of female friendship, a powerful depiction of women of color attempting to forge their place in the world today. For even as the conflicting desires of ambition and loyalty, freedom and commitment, adventure and stability risk dividing them, it is to one another—and to Queens—that the girls ultimately return.
Young people, hardest hit by the global economic downturn, are speaking out and demanding change. F&D looks at the need to urgently address the challenges facing youth and create opportunities for them. Harvard professor David Bloom lays out the scope of the problem and emphasizes the importance of listening to young people in "Youth in the Balance." "Making the Grade" looks at how to teach today's young people what they need to get jobs. IMF Deputy Managing Director, Nemat Shafik shares her take on the social and economic consequences of youth unemployment in our "Straight Talk" column. "Scarred Generation" looks at the effects the global economic crisis had on young workers in advanced economies, and we hear directly from young people across the globe in "Voices of Youth." Renminbi's rise, financial system regulation, and boosting GDP by empowering women. Also in the magazine, we examine the rise of the Chinese currency, look at the role of the credit rating agencies, discuss how to boost the empowerment of women, and present our primer on macroprudential regulation, seen as increasingly important to financial stability. People in economics - C. Fred Bergsten, American Globalist. Back to basics - The multi-dimensional role of banks in our financial systems.
The Wall Street Journal, USA Today, and BusinessWeek bestseller Bank On Yourself: The Life-Changing Secret to Growing and Protecting Your Financial Future reveals the secrets to taking back control of your financial future that Wall Street, banks, and credit card companies don’t want you to know. Can you imagine what it would be like to look forward to opening your account statements because they always have good news and never any ugly surprises? More than 100,000 Americans of all ages, incomes, and backgrounds are already using Bank On Yourself to grow a nest-egg they can predict and count on, even when stocks, real estate, and other investments tumble. You’ll meet some of them and hear their stories of how Bank On Yourself has helped them reach a wide variety of short- and longterm personal and financial goals and dreams in this book.
“Allegra Hyde’s seductive first novel tackles the big stuff of climate change and the more intimate matter of heartbreak with grace. Indeed, Eleutheria bravely braids these together, the story of a lost soul moving through the world we’re rapidly losing.” —Rumaan Alam, author of Leave the World Behind Willa Marks has spent her whole life choosing hope. She chooses hope over her parents’ paranoid conspiracy theories, over her dead-end job, over the rising ocean levels. And when she meets Sylvia Gill, renowned Harvard professor, she feels she’s found the justification of that hope. Sylvia is the woman-in-black: the only person smart and sharp enough to compel the world to action. But when Sylvia betrays her, Willa fears she has lost hope forever. And then she finds a book in Sylvia's library: a guide to fighting climate change called Living the Solution. Inspired by its message and with nothing to lose, Willa flies to the island of Eleutheria in the Bahamas to join the author and his group of ecowarriors at Camp Hope. Upon arrival, things are not what she expected. The group’s leader, author Roy Adams, is missing, and the compound’s public launch is delayed. With time running out, Willa will stop at nothing to realize Camp Hope's mission—but at what cost? A VINTAGE ORIGINAL
Every parent wants the best for their child. That’s why they send them to college! But most parents struggle to pay for school and end up turning to student loans. That’s why the majority of graduates walk away with $35,000 in student loan debt and no clue what that debt will really cost them.1 Student loan debt doesn’t open doors for young adults—it closes them. They postpone getting married and starting a family. That debt even takes away their freedom to pursue their dreams. But there is a different way. Going to college without student loans is possible! In Debt-Free Degree, Anthony ONeal teaches parents how to get their child through school without debt, even if they haven’t saved for it. He also shows parents: *How to prepare their child for college *Which classes to take in high school *How and when to take the ACT and SAT *The right way to do college visits *How to choose a major A college education is supposed to prepare a graduate for their future, not rob them of their paycheck and freedom for decades. Debt-Free Degree shows parents how to pay cash for college and set their child up to succeed for life.
The Cambridge Advanced Learner's Dictionary is the ideal dictionary for advanced EFL/ESL learners. Easy to use and with a great CD-ROM - the perfect learner's dictionary for exam success. First published as the Cambridge International Dictionary of English, this new edition has been completely updated and redesigned. - References to over 170,000 words, phrases and examples explained in clear and natural English - All the important new words that have come into the language (e.g. dirty bomb, lairy, 9/11, clickable) - Over 200 'Common Learner Error' notes, based on the Cambridge Learner Corpus from Cambridge ESOL exams Plus, on the CD-ROM: - SMART thesaurus - lets you find all the words with the same meaning - QUICKfind - automatically looks up words while you are working on-screen - SUPERwrite - tools for advanced writing, giving help with grammar and collocation - Hear and practise all the words.