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The Complete Guide to Planning Your Estate: a Step By Step Plan to Protect Your Assets, Limit Your Taxes, and Ensure Your Wishes Are Fulfilled

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What happens to an individual's estate after they are gone is very much within their control. Estate planning is not only for the wealthy; it is for everyone. It is simply the process of deciding where your assets are to be distributed after your death.

For those people who wish to preserve their assets for designated purposes such as family or special charities it becomes necessary to make special advance preparations. Performing these important preparations is commonly referred to as estate planning.

For an individual to help ensure that his assets are protected and final wishes carried out, there are some common actions that need to be taken now. Proper estate planning allows you to plan for yourself and your loved ones without giving up control of your affairs.

Your estate plan should allow for the possibility of your own disability. It should give what you own to whom you want, at a time of your choosing, the way you want. Your estate plan should include fully disclosed, controlled costs for you and for those you love. The last thing you want to worry about is having it drained of value through taxes and legal costs. The right plan can protect the value of your estate and spare your loved ones unnecessary hassles and legal conflicts. This new book will help you glide through the complicated process.

One of the biggest issues you need to consider is estate taxes. For starters, Uncle Sam begins collecting gift taxes at the $1 million level. Married couples with estates over $4 million are subject to estate taxes that soar up to 46 percent and if you wish to leave money to grandchildren, estate taxes can reach as high as 73 percent!

Many books on estate planning indicate you do not need the services of an attorney, but we highly recommend an attorney versed in this area to assist you. You should not go through the process alone. What this book will do though is explain the complicated issues, terminology, and planning strategies of estate planning to the lay person (me and you) so that when you do meet with a qualified attorney, you will be well prepared. You will understand legal terms and be ready to discuss issues and strategies with familiarity, saving time and legal fees and ensuring peace of mind.Some of the contents of the book are wills, assets, and settlement costs, probate, guardianship and minor children, executors and trustees, life insurance, living trusts, living wills, durable power of attorney, catastrophic illness, potential long-term care needs, marital deductions, types of trusts, federal and state estate exemptions, irrevocable life insurance trusts, gift splitting, survivorship deeds, charitable remainder trusts, 529 plans, health care proxy, power of attorney, reducing or eliminating estate taxes, avoiding tax on life insurance, using insurance to pay estate taxes, gift tax issues, generation skipping transfer tax, and tax deferred accounts.

Estate planning should be a positive experience. It involves reviewing your situation and planning for your future. Although most people also find it unpleasant to think about the possibility of disability or death, advance planning is also a way to show your love and to reduce potential distress later. Get started today.

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The Refractive Thinker: Vol: VII: Social Responsibility (Full)

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Celebrate the diffusion of innovative refractive thinking through the writings of these doctoral scholars as they dare to think differently in search of new applications and understandings of social responsibility.  Unlike most academic books that merely define research, The Refractive Thinker offers commentary from the perspective of multiple authors--each offering a chapter based on their specific expertise.

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Dr. Cheryl A. Lentz, Dr. Barbara Welcher, Dr. Emad Rahim, Dr. Gayle Grant, Dr. Vishakha Maskey, Dr. Christi Sanders, Dr. Tom Woodruff, Dr. Darrell Norman Burrell, Dr. Judy Fisher-Blando, Dr. Beverly D. Carter

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Journey Outside the Golden Palace: A Story of Transformation

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Come take a mythical journey with Henry from The Village of Yore and the many colorful characters of The Golden Palace on their quest to unlock the palatial gates of corporate Ivory Towers. Dr. Cheryl Lentz has cleverly offered an allegorical tale that demonstrates the lessons learned when leaders in organizations fail to listen and serve the needs of their stakeholders. These lessons emerge through the eyes of such characters as Nada from The Village of Not Likely, Earl from The Village of That s the Way We ve Always Done It, and Merlin from The Village of Calm and Clarity. Join them as well as King William III and The Royal Academy of Bean Counters as they journey toward understanding the elegant simplicity of effective leadership, unlocking the secrets to The Golden Palace Theory of Management along the way. This revised second edition offers a companion workbook for discussion, reflection, and refractive thinking. The purpose of this workbook is to examine each character within this allegorical tale and their leadership qualities more closely. Take a leap of faith and follow us in our journey. Perhaps you may recognize some old friends along the way.

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The Refractive Thinker: Vol IV: Ethics, Leadership, and Globalization (Chapter 8)

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Chapter 8: Exploring the Transactional and Transformational Leadership Characteristics of Social Networking Communications

Celebrate the diffusion of innovative refractive thinking through the writings of these doctoral scholars as they dare to think differently in search of new applications and understandings of social responsibility. Unlike most academic books that merely define research, The Refractive Thinker offers commentary from the perspective of multiple authors--each offering a chapter based on their specific expertise.

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The MySpace.com Handbook: The Complete Guide for Members and Parents

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MySpace.com is a free social networking Web site that allows you to share with others your photos, weblogs, user profiles, e-mail, web forums, music, video, as well as offers you the opportunity to participate in groups. MySpace.com is the largest online social networking portal on the web; it has 61-plus million registered users with 21-plus million unique visitors. It is the second largest destination on the web by page views. With a MySpace account you can speak with friends online, meet potential friends, connect with friends of other friends, keep up with family, and find lost classmates, friends, or business associates. Many parents however feel they have been left behind on this new technology, and have legitimate concerns about their children s safety. People aren t always who they say they are and recent news stories have alerted parents to the potential problems with predators using MySpace.com. The MySpace.com Handbook provides tips, secrets, and tricks to creating and personalizing a MySpace profile and provides a complete overview of MySpace.com. Learn how to use online social networking Web sites, personalize your account, and add photos and music. Parents who are not Internet savvy will find the book very useful as well as it will assist them in developing discussions with their teens about MySpace, step-by-step instructions detail critical information and safety issues for parents and parental controls are detailed, as well as how to stop contact from strangers, eliminate profile invasion, spyware software threats, avoid online sexual and criminal predators, web monitoring services, cyber bullies, hate groups, phishing and other internet scams, learn how to report inappropriate content, and protect your identity. There is an important chapter for businesses as well others that may want to use the site to market products, music, books, etc. Although this book primarily deals with MySpace a chapter is devoted to other social networking Web sites. Whether you are a potential or current member, or a concerned parent of a MySpace potential or current member, you will find a wealth of helpful advice and useful commentary and tools.

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The Social Security and Medicare Handbook: What You Need to Know Explained Simply

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The Social Security and Medicare Handbook includes the provisions of the Social Security Act, regulations issued under the Act, and recent case decisions (rulings). It is a readable, easy to understand resource for the extremely complex Social Security and Medicare programs and services. Here in this new, groundbreaking, and exhaustively researched book you will learn an overview of the Social Security and Medicare system, how Social Security benefits are currently computed, how to become insured, and how to file a claim. You also will learn about retirement and auxiliary benefits, survivor benefits, disability benefits and protection, evaluating disability, cash benefit rates, employees, employer responsibilities, special coverage provisions, state and local employment, earnings records and tax reports, the administrative review process, supplemental income, other benefit programs, hospital insurance (Part A), medical insurance (Part B), Medicare Advantage plans (Part C), prescription drug coverage (Part D), prescription programs, and special veteran benefits. This book will explain how current Social Security benefits are computed and provide insight into your Social Security benefits.

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Exploring the Human Body: Respiratory System

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The Respiratory System unit presents a visual overview of the structures of breathing, from nasal passages to the bronchi. Additional imagery illustrates the paranasl sinuses and views of the larynx. Respiration and lung volumes topics are also covered.

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Exploring the Human Body: The Lymphatic System

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The Lymphatic System unit lays out the structure of the system that helps with the body's defenses against infection and disease. The chart shows the overall system of drainage in the body, the structure of lymph nodes and lymph vessels, and the formation of lymphocytes.

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The Complete Guide to Growing Vegetables, Flowers, Fruits, and Herbs from Containers: Everything You Need to Know Explained Simply

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Not everyone has the benefit of a plot of land where they can create a garden. In fact, almost 25% of city homeowners lack the yard space needed to cultivate and grow a decent sized garden (according to Seattle Lawn and Garden) meaning more and more people interested in harvesting flowers, vegetables, and herbs are turning to containers. The options provided by containers are plentiful, from bringing your tomato plants inside during the winter to being able to rearrange them if you are doing construction or playing a game outside. But, getting crops to grow effectively in containers is another matter entirely.

This book will provide every potential container gardener with the necessary steps and resources needed to grow their very own crops to thrive in any conditions. From the very outset, you will learn about how vegetables, flowers, and herbs grow naturally – charts will provide you with a detailed breakdown of how plants grow and what they need to grow effectively, from root space to water consumption. Companion planting for small spaces will show you how the plants will survive with other plants in the same container and which plants can even be placed in confined spaced and survive. The basics of container planting, including the best single plant containers, two, three, and four plant combinations are provided to help you decide how to lay out your container garden.

The top gardeners were contacted and interviewed, providing highly insightful information that guides you through how container potted plants grow and thrive. You will learn the basics of side planted containers and how succulents perform in these closed spaces. The best container plants are listed in order along with the necessary tools they need to survive. The best container sizes, soil types, fertilizer, climate information, and pest prevention methods are all given as well to help round out your container planting. Regardless of your needs or methods, this guide will take you through every step necessary to get your container plants growing and thriving.

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The Online Identity Theft Prevention Kit: Stop Scammers, Hackers, and Identity Thieves from Ruining Your Life

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The Federal Trade Commission (FTC) now says that as many as one in every eight adults and one in every four households has been victimized by identity thieves in the past five years. To make matters even worse, if you end up a victim of identity theft, it can take years to clean up the mess. The FTC defines identity theft as stealing personal information such as your name, credit card number, driver's license number, or other personal identifying information to commit fraud. The most common identity thefts occur when thieves use your name to apply for services, for credit cards or loans, to buy merchandise or lease equipment such as cars or apartments, and obtain medical care. They can assume your complete identity and live and work under your name, and even commit serious crimes. A primary goal of hackers and online crooks is to find, uncover, and abuse your personal information, anything that clearly identifies you, such as your name, address, social security number, birth date, family members names or friends names. Used in combination with other private information, like a bank or credit card account number, your stolen information can be used by an identity thief to open a new credit line, access your bank accounts or even apply for official documents like a driver's license or passport. The results for you can be devastating, reaching into every transaction you attempt until you clear your name and credit. Due to bad credit reports, victims of identity theft are often rejected for loan applications, credit of any kind, job opportunities, and housing. Your credit can be ruined overnight. You can even be arrested for crimes you didn't commit. To avoid being a victim of identity theft, your first rule is to get the knowledge you need to protect yourself before it happens. The good news is that the chances of online identity theft can be greatly reduced and mostly eliminated by taking the simple, free suggestions as outlined in this new up-to-the-minute book. You will find valuable expertise to evaluate and determine your, your family's, and your business's risks. After evaluating the risks, you are provided a detailed plan so that you can take action for prevention now. We have also outlined a step-by-step program detailing what you can do if you think, or know, that your identity has been stolen. In addition, there are numerous forms and letters that can be used as a template to contact credit agencies, government agencies, credit card companies, banks, and anyone else involved.

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Asset Protection for Business Owners and High-Income Earners: How to Protect What You Own from Lawsuits and Creditors

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Congratulations! You have worked hard for many years and have a successful business, or perhaps you are a successful doctor, attorney, CPA, or other high-income producing individual. Making that money was difficult; now you have to devise a strategy for keeping it.

Unfortunately, you are on the radar screen for lawsuits from other businesses, employees, partners, past marriage partners, relatives, possibly the government, and anyone else who thinks they can get at your assets. With a little knowledge and the Internet, anyone can find out essentially everything about you including your home, cars, boats, real estate, bank, and investment accounts   essentially everything you own.

Lawsuits are rampant in this country. Statistics show there is one attorney in this country for every 300 residents; there are an estimated 150,000 people in law school as we speak. On average, 80,000 lawsuits were filed in 2006 every day. When you are sued, it is too late to protect your assets. You are exposed.

Fortunately, you can act now to protect your self and family.
In this easy to read and comprehensive new book, you will learn the simple steps you need to do to protect yourself now before there is a problem. We provide numbers of worksheets to help you decide the best plan of action for your financial position and personal needs. You will learn the ins and outs of protecting yourself and your family through the use of legal methods such as corporations, family limited partnerships and trusts, family saving trusts, offshore trusts corporations, and limited liability companies (LLCs).

You will learn how to reposition your assets into legal entities that you control, creating bullet-proof security You will learn about irrevocable living trusts, creating and maintaining LLCs, equity stripping techniques, privacy plans, durable powers of attorney, new bankruptcy legislation, estate planning for high-income individuals, and also living, testamentary, and pour-over wills. The trick here is to own nothing directly but control everything, legally.
Once your assets are repositioned and protected, attorneys mostly working on contingency fees are not going to sue you because they have nothing to gain, and since 98 percent of all lawsuits are only about the money, how can they legally take it from you? With the sound guidance in this book, you will be able to protect your hard earned assets.

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The Parents Guide to Uncluttering Your Home: How to Organize What You Need and Recycle What You Dont

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A cluttered home can be a nightmare. It makes yourthings hard to find, it creates stress in your family, and it can even cause injuries if it becomes too overrun with clutter. But, it doesnt have to remain that way. There are countless resources available to help every individual organize, put away, store, and even recycle their old possessions to get them out of the way and where they belong.

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Your Pennsylvania Wills, Trusts, & Estates Explained Simply: Important Information You Need to Know for Pennsylvania Residents

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Few people want to think about what would happen to their family if they become disabled or die; however, planning for these occurrences in advance will reduce potential stress on your family later in life. This new book will take the guesswork out of planning your estate and help you finally understand the complex processes. The right plan can protect the value of your estate and spare your loved ones unnecessary hassles and legal conflicts. Your Pennsylvania Wills, Trusts, & Estates will help you glide through this complicated process. This new book has been adapted to offer Pennsylvania residents state-specific advice for estate planning. Author Linda C. Ashar, Attorney at Law, has crafted an estate planning primer, allowing Pennsylvania residents to become more informed and more involved during the process. Your Pennsylvania Wills, Trusts, & Estates will provide all the information you need to choose, set up, and execute a will, trust, or estate. You will learn the legal terminology, including beneficiary, probate, trustor, trustee, assets, guardianship, and executor. You will also learn about trust agreements, trust property, settlement costs, life insurance, durable power of attorney, marital deductions, gift splitting, survivorship deeds, gift tax issues, generation skipping transfer tax, tax deferred accounts, and advance directives. Pennsylvania -specific information is offered throughout this book, including: Pennsylvania probate code; Pennsylvania rules, regulations, and laws specific to estate planning; elements of a valid Pennsylvania will; planning your living will in Pennsylvania; explanations of Pennsylvania laws regarding durable health care power of attorneys, do not resuscitate (DNR) orders, and directives to withhold CPR. The book s easy-to-understand context clarifies this complicated and sensitive subject and gives readers the power to take control of their future. Whether you are writing your will, establishing a trust, planning your estate for the first time, or updating and revising your previous plans, Your Pennsylvania Wills, Trusts, & Estates will give you all the tools and knowledge you need to decide where and to whom your assets will go when you die. Other books offer a non-state-specific overview of estate planning, causing many readers to be misinformed about rules and regulations particular to their state; but, this new book provides information Pennsylvania residents need to know. Do not get outdated or wrong information that does not pertain to you specifically. Use this new book to craft an estate plan that is not only legally sound but also fully carries out your last wishes and protects your loved ones.

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The Food Service Professionals Guide To: Controlling Liquor Wine & Beverage Costs

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This new series of fifteen books - The Food Service Professional Guide To Series from the editors of the Food Service Professional magazine are the best and most comprehensive books for serious food service operators available today.
These step-by-step guides on a specific management subject range from finding a great site for your new restaurant to how to train your wait staff and literally everything in between. They are easy and fast -to-read, easy to understand and will take the mystery out of the subject. The information is"boiled down"to the essence. They are filled to the brim with up to date and pertinent information.

The books cover all the bases, providing clear explanations and helpful, specific information. All titles in the series include the phone numbers and web sites of all companies discussed. What you won’t find are wordy explanations, tales of how someone did it better, or a scholarly lecture on the"theory". Think of them as"Cliff Notes TM"on the subject matter.

Every paragraph in each of the books are comprehensive, well researched, engrossing, and just plain fun-to-read, yet are packed with interesting ideas. You’ll be using your highlighter a lot! The best part aside from the content is they are very moderately priced. The whole series may also be purchases the ISBN number for the series is 0910627266. You are bound to get a great new idea to try on every page if not out of every paragraph. Do not be put off by the low price, these books really do deliver the critical information and eye opening ideas you need you to succeed without the fluff so commonly found in more expensive books on the subject. Highly recommended!

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Finalmente, un diccionario de finanzas elaborado tomando en cuenta las necesidades de los inversores. La Jerga de Wall Street hace más que definir los terminos que usan a diario los corredores de la bolsa, The Wall Street Journal y CNBC – este libro explica los términos de una manera diferente a cómo los presentan los diccionarios tradicionales. Mientras que otros diccionarios están organizados de manera alfabética, de la A to Z, La Jerga de Wall Street está estructurado por capítulos y temas. Este libro comienza desde su nivel –con temas que despiertan su curiosidad- y finaliza solo cuando so curiosidad- y finaliza solo cuando su curiosidad ha sido satisfecha.

No importa si usted es un experimentado inversionista o está explorando los mercados por primera vez, usted podrá apreciar el estilo de fácil lectura y la manera como está estructurada esta innovadora herramienta de inversion. El libro traslada la jerga usade dentro de Wall Street a un lenguaje directo y fácil de entender.

Más de 1,000 términos que los inversionistas necesitan saber para obtener ganancias en sus inversiones.

Definiciones organizadas por temas.

Completo index y referencias entre terminos.

Lista de los acrónimos usados comúnmente.

Útiles recurso, con referencias a páginas del Internet.

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365 Foolish Mistakes Smart Managers Commit Every Day: How and Why to Avoid Them

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Here is a very surprising statistic: Within the first 18 months on the job, 40 percent of all management newcomers fail by either getting fired, quitting, or receiving a bad review, according to Manchester Inc., a business consulting group. Some first-timers are overwhelmed by their newfound power while some are weighed down by the responsibility. But for most, the overriding concern is to avoid personal failure. This new groundbreaking book will guide the new manager to success and avoid the many common mistakes and pitfalls along the way. You will learn how to face the unique challenges every day in your job and offer detailed and innovative solutions to help you achieve your potential. Learn how to become a true leader who commands respect, commitment, and credibility. Topics include: what it takes to be a manager, how to take charge, how to establish your authority, earn respect and credibility, deal with social issues, how to be a leader, gain the cooperation and commitment of others, manage yourself, interview tips, set realistic goals, coaching skills, creative problem solving, sexual harassment guidelines, how to manage multiple projects and assignments, how to delegate effectively, successful meetings, communication barriers, dealing with interruptions, developing self-confidence, turning around unacceptable performance, dealing with stress, how to write effectively and clearly, how to effectively use e-mail, employees that complain or are disagreeable, and hundreds more. In addition to the comprehensive content in the book, we spent thousands of hours interviewing, e-mailing, and communicating with hundreds of today s most successful managers. This book is a compilation of their secrets and proven successful ideas. If you are interested in learning hundreds of hints, tricks, and secrets on how to be a great first-time manager, then this book is for you. **Bronze Winner in the Business/Career/Sales of the 2007 Independent Publisher Book Awards

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Legal Off Shore Tax Havens: How to Take LEGAL Advantage of the IRS Code and Pay Less in Taxes

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An ever increasing number of Americans are convinced that our country is no longer the land of safety or opportunity when it comes to their money and investments. These people recommend transferring your money to offshore tax havens in such countries as Dubai, Hong Kong, Switzerland, Liechtenstein, and Panama. In fact, it has recently been estimated that nearly 60 percent of the world s money is located in offshore accounts. Legal Off Shore Tax Havens will show you how to protect your money and remain legal while doing so. Off shore tax havens are sovereign nations that have laws in place that protect people s financial privacy, assets, and cash. In this new, exhaustively researched book, you will find out how to take advantage of this system. You will learn how the system works, how to develop business opportunities, how to avoid excessive taxation and regulation, how to bank and invest off shore, how to find the tax haven that is right for you, and how to avoid scams. In addition, you will learn about the safest, most private nations, the best off shore banks and tax havens, what is and what is not legal, the best haven for your specific purposes, mistakes to avoid, legal issues, and basic off shore entities. You will also learn how sophisticated tax avoiders use countries such as Ireland, Austria, and the Netherlands to avoid suspicion; how to use residential tax havens, including Argentina and Costa Rica; and how to use Greece, the Phillipines, and Jordan as completely tax-free havens. Legal Off Shore Tax Havens will provide you with the strategies, knowledge, and contacts you need to avoid expensive mistakes and make the most of your offshore pursuits. This book is for those who are weary of paying high taxes and who are suspicious of the government. Whether you are seeking to move your business s money or your own personal finance, this book will provide you with all the necessary information to make a smooth, legal transition.

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How to Become a Million Dollar Real Estate Agent in Your First Year: What Smart Agents Need to Know Explained Simply

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It's amazing how many people are starting careers in real estate today, yet how many are successful at it? There are many roadblocks to a thriving real estate career. If you are not listing and selling 15 to 30 properties per month each and every month then this book is for you. This book presents the research of the steps and tactics super-successful real estate sales agents employ today. What makes this book particularly useful is the actual case studies from agents who do this work every day. You will learn their time-tested secrets. This step-by-step guide will show you how to find the properties, how to list them, how to sell them, and ultimately, how to get your commission. Learn the hard-earned secrets of breaking into the real estate field, and become super successful in no time at all. You will learn to quickly attract new prospects, get the highest possible commissions, and get return business and referrals, while still having a life outside of work. In this new book you will learn: how NOT to make the big mistakes most new agents make, licensing and exam fees, Multiple Listing Service (MLS), local Board of Realtors, real estate boards, expenses of doing business, your vehicle and insurance coverage, sales techniques, simple methods to get hundreds of referrals, how to make buyers and sellers happy, how to quickly and easily locate the best deals for your customer, presenting offers, software programs that make running your business effortless, the luxury housing market, Dealing with FSBO s, the commercial market, secrets to using the Internet, setting up a record keeping and computer system, brokers and how to work with them, your professional image, the new frontier, the online Internet world , online tools and ideas, real estate technology tips, search engine and Web site optimization, page rank, Internet leads, web positioning, web optimization building partnerships, and general real estate Internet information, and much more.

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How to Open & Operate a Financially Successful Retail Business

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The dream of starting a retail business can easily become a reality. Retail businesses are one of the fastest growing segments of the economy. This new book will teach you all you need to know about getting started in your own retail business in the minimum amount of time. This is the manual you need to cash in on this highly profitable segment of the retail industry. This new book is a comprehensive and detailed study of the business side of retailing. Anyone should study this superb manual to investigate the opportunities of opening a retail store. If you enjoy meeting people, this may be the perfect business for you, but keep in mind retail looks easy, but as with any business, looks can be deceiving. This complete manual will arm you with everything you need including sample business forms, leases, contracts, worksheets, and checklists for planning, opening, and running day-to-day operations. There are plans, layouts, and dozens of other valuable, timesaving tools of the trade that every entrepreneur should have.

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The Evolution of Vertebrate Blood Clotting

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llluminated by a great assortment of original illustrations, this remarkable book charts the step-by-step evolution of vertebrate blood coagulation. Intended for readers with a background in biological science, it is specifically targeted for those in the field of molecular evolution as well as for researchers in the area of blood clotting. After providing some general background in the areas of blood clotting, protein structure, animal systematics, and simple genomics, the book focusses in on the search for blood clotting genes in the genomes of non-mammalian vertebrates, including fish, amphibians, reptiles and birds. The inventory of genes found allows a reconstruction of events culminating in the complex clotting system observed in humans and other mammals. Also examined are the genomes of protochordates like the sea squirt, leading to conjecture about how blood clotting was first initiated.  The orderly way in which gene duplications provided new genes for fine-tuning the system serves as a model for how complex physiological systems in general have evolved. The book ends with suggestions for specific genetic engineering experiments that can be done to illustrate how molecular evolution works.  An extensive glossary and guide to the current literature combine to make this book ideal for course use as well as for self study.