You're not alone. About 51 million American households carry credit card debt at an average balance of nearly $12,000. Credit trouble is a problem you can't ignore. No matter how much money you earn or where you live, if you've made mistakes with credit in the past, those mistakes will haunt you -- unless you empower yourself to fix them. And you can.Managing your credit can be a complicated issue, but the Reverend Luis Cortés Jr. provides an easy-to-follow guide to help you handle...

HIV/AIDS is a scary subject. Not only can it destroy a body but it can also destroy a family, friendships, and even a community. Nobody likes to talk about it, but ignoring the problem won't make it go away. In fact, what you don't know can hurt you and somebody else. The only way we can overcome this disease is through education, precaution, and proper treatment, because nobody is immune.The Reverend Luis Cortés teaches you how to understand the virus and the disease. Pre...

How To Write A Résumé And Get A JobFinding a job can be nerve-racking. It's hard to know even where to begin: Where are jobs listed? What skills do you need? How can you make your résumé stand out? A job hunt involves many unspoken rules that can't be broken, and it's easy to unknowingly hurt your chances.In How to Write a Résumé and Get a Job, the Reverend Luis Cortés Jr. supplies you with the necessary information for securing a promising job. He...

It's hard to think about buying a home. Where do you begin? How do you know if you're ready? What forms must you fill out? How can you avoid being taken advantage of? You might even feel that owning a home is so far beyond your means that it's unattainable. Purchasing a home is easier than you think.The Reverend Luis Cortés Jr. guides you through this complicated process and shows you how to turn your dream into a reality. The home-buying experience can be difficult, but a house pr...

The contemporary rethinking and relearning of history and racism has sparked creative approaches for teaching the histories and representations of marginalized communities. Cristina Stanciu and Gary Totten edit a collection that illuminates these ideas for a variety of fields, areas of education, and institutional contexts.The authors draw on their own racial and ethnic backgrounds to examine race and racism in the context of addressing necessary and often difficult classroom conve...

There are many benefits to minimalism. It keeps people from debt. Many consumers make the mistake of living well beyond their means. A person who takes on a large debt burden loses his/her financial freedom. Minimalism helps to ensure that people have the essentials that they need and that no matter what happens, they will be provided for.

A frugal living doesn’t necessarily equate to poverty. In fact, a lot of billionaires practice frugal living. When you live a minimalism lifestyle, you free up your budget significantly because you only need to focus on what is really needed. Switch to a minimalism lifestyle by first gathering information about it and determining whether such way of living is meant for you.

The New York Times BestsellerWhat if everything you think you know about addiction is wrong? Johann Hari's journey into the heart of the war on drugs led him to ask this question--and to write the book that gave rise to his viral TED talk, viewed more than 62 million times, and inspired the feature film The United States vs. Billie Holiday and the documentary series The Fix.One of Johann Hari's earliest memories i...

This book is unique. For the first time, it brings together the collective experience of Canada's foremost personal finance bloggers and online publishers, each of whom writes about his or her particular area of expertise. Step 1: How to Save. First, Krystal Yee shows you how to create a budget. The budget process isn't about lmitations, it's about measuring and controlling your income and expenses. In this step we learn to manage our money and find where we're going to get the money to sa...

One of Entertainment Weekly's Top 10 Nonfiction Books of the DecadeA definitive history of the successful battle to halt the AIDS epidemic, here is the incredible story of the grassroots activists whose work turned HIV from a mostly fatal infection to a manageable disease. Almost universally ignored, these men and women learned to become their own researchers, lobbyists, and drug smugglers, established their own newspapers and research journals, and went o...

Two-time National Book Award nominee Melissa Fay Greene puts a humanface on the African AIDS crisis with this powerful story of one womanworking to save her country's children.After losing her husband and daughter, Haregewoin Teferra, an Ethiopian woman of modest means, opened her home to some of the thousands of children in Addis Ababa who have been left as orphans. There Is No Me Without You is the story of how Haregewoin transformed her home into an orphana...

Your guide to understanding the basics of an MBAWant to get an MBA? The Complete MBA For Dummies, 2nd Edition, is the practical, plain-English guide that covers all the basics of a top-notch MBA program, helping you to navigate today’s most innovative business strategies. From management to entrepreneurship to strategic planning, you’ll understand the hottest trends and get the latest techniques for motivating employees, building global partnershi...