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| Make your Family Winner |
Accounting: A Balanced Approach |
Education Courses & EBooks |
Tricks of the Grade |
College Coach Book |
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| Debt Collection Techniques |
The Good Grades Guide: Strategies for University Success |
Friends Of Jesus, A Challenge Sufficient for the Falling Away |
How to Write a Successful PhD Thesis |
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FAMILY LIFE WINNER COLLEGE PLAN
Lead Your Family Into The Winner's Circle of Life
Today's Average College Cost Slashed By More Than 50%
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ATTENTION All College Hopefuls, Parents, and Homeschoolers:
You can now get your college bachelor’s degree in America without paying the OUTRAGEOUS yearly costs. The average college cost for a public university FOR 1 YEAR is the same as the cost of a new 2010 Toyota Matrix (around $17,000), and 2-3 times that for a private college.
We invite you to watch this 10 minute life-changing video and discover how you can save TEN’s OF THOUSANDS OF DOLLARS on getting your college degree.
We know this works because this is what we did.
Here’s a big question: So what kind of bachelor’s level degrees are available to me with this plan?
We can’t name them all, but here is a sample list:
A variety of specialized business degrees, computer science, criminal justice, psychology, communications, education, most of the humanities, political science, health care administration, accounting, nursing, paralegal studies, homeland security, sociology, several technology degrees, and more.
Once you purchase the FLW College Plan by clicking the link above, you will be brought to a form to enter you name and email address.
You will be sent a welcome email immediately which will contain a download link for your 1st Lesson on beating today’s average college cost by OVER 50%.
You will continue to receive weekly emails which contain the download links for 34 more weekly lessons. |
Home Schooler Takes On Today’s Average College Costs |
In this corner, we have today’s average college costs.
In the other corner, we have the American home schooler who just graduated from high school.
College costs really look bulked up and ready for this fight. The average cost of college in America looks tough to beat.
You are looking at tuition and fees, room and board, out-of-state fees, transportation costs, extra living expenses,and hopefully no legal fees to get bailed out of jail.
The hefty price tag for one year with this seasoned fighter is about $17,000 for the public state colleges.
The scales are really tipping over for the private universities at about $40,000 a year.
The American home schooler has a look of determination in his eyes, though. The word we have from his trainer is that he plans on employing a rather unique strategy.
On the surface folks, this doesn’t look like much of a contest.
There’s the bell!
Today’s average college cost really comes out swinging but this home schooling lad is quick on his feet and a great counter-puncher.
ROUND 1: The home schooler got the edge by using the CLEP testing service to get 30 college credits without paying a dime in tuition and cutting costs by much more than 50%.
ROUND 2: Average college costs is getting winded as his challenger is now using the DANTES testing service in addition to CLEP to attain college credits related to his choice for a bachelor’s degree.
ROUND 3:Things are really looking bad for the university champion as this wise opponent has transferred 90 college credits to a regionally accredited online university.
ROUND 4: The home schooler is the new champion over today’s average college costs with a knock-out by finishing his senior year with on-line classes and is holding his undergraduate high for everyone to see.
The awesome thing about this match is that it is no fantasy.
This strategy is available for all, whether you home school or not.
Be a part of the college revolution by knocking out America’s average college costs. |
Don’t Let The Average College Tuition Cost Stop You |
Is there a legitimate way to beat the average college tuition cost these days?
That was a question my wife and I had as our son was close to completing his senior year of high school.
We did some painful research and discovered that average college costs had increased “a little” from 30 years ago when we attended college.
When I say ” a little”, I mean a little too much to believe. State college tuitions for 1 year in 1978 was around $1000 in the South. Now, you are looking at $6000 – $8000 a year.
This is outrageous. And I am not even including room and board or miscellaneous expenses.
It gets even more unbelievable. If you look at the private universities, tuition shoots even higher to around $30,000 a year or more. Harvard University, here I come.
Our son wanted to get a bachelor’s degree in business. We didn’t know how we could possibly afford it.
We were not going to go the route of student loans either.
We found out that necessity truly brings forth inventive ideas. Maybe it was just stubbornness on our part.
Whatever it was, we were determined to find a way to make this work, and did we get the surprise of our lives.
There is actually a very simple way to slash the average college tuition cost.
You can do this by using 2 testing credit services: CLEP and DANTES.
How much can you save with this strategy?
You can easily save more than 50% from the cost of college tuition.
The great news is that today’s average college tuition cost is no longer an obstacle to your college degree. |
More... Click Here To Visit Website
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ACCOUNTING: A BALANCED APPROACH EBOOK |
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Learn the basics of practical accounting really fast with 'Accounting: A Balanced Approach'. My ebook is for students, managers, businessmen, entrepreneurs and everyone else who wants to understand basic accounting concepts or systematise the knowledge they already have. 109 pages, written in plain English, without all those complicated expressions for geeks and nerds alone! |
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Table of Contents Introduction 8
Chapter I – Reasons That Justify Accountants’ Existence 9
1. Why Do We Keep Records? 10
2. How Do We Keep the Records? 11
2.1. Pencils vs. Computers 11
2.2. Accounts 12
3. What Do We Keep Records of? 14
4. What Do We Use These Records for? 15
5. Why Should You Learn Bookkeeping and Accounting? 15
6. Summary 16
Chapter II – Terms and Concepts That Will Help You Understand Accounting and Financial Statements 17
1. Bookkeeping vs. Accounting 18
2. Important Transaction Documents 19
2.1. Invoices 19
2.2. Credit Notes 19
2.3. Debit Notes 20
3. Double-Entry System 20
4. Ledgers 21
4.1. Sales Ledger 21
4.2. Purchases Leger 22
4.3. General Ledger 22
4.4. Control Accounts – a Link Between Sales/Purchase Ledgers and General Ledger 23
5. Journals 24
6. Trial Balance 26
7. Accounting Periods 27
8. Cash Accounting vs. Accrual Accounting 28
8.1. Definitions 28
8.2. Example 1 – Prepaid Expenses (Prepayments) 29
8.3. Example 2 – Accrued Expenses 31
8.4. Example 3 – Accrued Income 33
8.5. Example 4 – Income Received in Advance 36
8.6. Summary of Cash vs. Accrual Accounting 37
9. How the Debits and Credits Change Assets, Liabilities, Expenses and Revenues 38
10. Reconciliation of accounts 39
11. The Difficult Stuff 42
12. Summary 42
Chapter III – Income Statement 44
1. Income Statement – Definition 45
2. Income Statement (Alternative 1) – Expenses Disclosed by Function 46
3. Income Statement (Alternative 2) – Expenses Disclosed by Nature 48
4. Depreciation 49
5. EBIT and EBITDA 52
6. Summary 52
Chapter IV – Balance Sheet 53
1. Balance Sheet – Definition 54
2. Assets, Liabilities and Equity. Balance Sheet Equation 54
3. Current and Non-Current Assets and Liabilities 56
4. Working Capital and Capital Employed 57
5. Detailed Description of All Balance Sheet Components 58
5.1. Current Assets 59
5.1.1. Cash and Cash Equivalents 59
5.1.2. Trade and Other Receivables 60
5.1.3. Other Current Financial Assets 60
5.1.4. Inventories 61
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5.1.5. Current Tax Assets 63
5.1.6. Other Current Assets 63
5.2. Non-Current Assets 64
5.2.1. Investments 64
5.2.2. Other Non-Current Financial Assets 64
5.2.3. Property, Plant and Equipment 65
5.2.4. Deferred Tax Assets 65
5.2.4. Goodwill 68
5.2.5. Other Intangible Assets 69
5.2.6. Other Non-Current Assets 69
5.3. Current Liabilities 69
5.3.1. Trade and Other Payables 69
5.3.2. Current Borrowings 70
5.3.3. Other Current Financial Liabilities 70
5.3.4. Current Tax Liabilities 70
5.3.5. Provisions 71
5.3.6. Other Current Liabilities 72
5.4. Non-Current Liabilities 73
5.4.1. Non-Current Borrowings 73
5.4.2. Other Non-Current Financial Liabilities 73
5.4.3. Deferred Tax Liabilities 73
5.4.4. Non-Current Provisions 75
5.4.5. Other Non-Current Liabilities 75
5.5. Equity
5.5.1. Issued Capital 76
5.5.2. Reserves 76
5.5.3. Retained Earnings 77
6. Summary 77
Chapter V – Cash flow 80
1. Cash Flow – Definition 81
2. Cash Flow Statement – Direct Method 82
3. Cash Flow Statement – Indirect Method 84
4. Summary 87
Chapter VI – Accounting ratios 88
1. What Are Ratios and What Are They for? 89
2. Profitability Ratios 89
2.1. Gross Profit Margin 90
2.2. Markup 90
2.3. Net Profit Margin 91
2.4. Return on Assets (ROA) 92
2.5. Return on Equity (ROE) 92
2.6. Return on Capital Employed (ROCE) 93
3. Liquidity ratios 94
3.1. Current ratio 94
3.2. Acid Test / Quick / Liquid ratio 95
3.3. Cash ratio 96
4. Efficiency Ratios
4.1. Inventory Ratios 96
4.1.1. Inventory Turnover 96
4.1.2. Inventory Period 97
4.2. Receivables Ratios 97
4.2.1. Receivables Turnover (Debtors Turnover Ratio) 97
4.2.2. Average (Debtor) Collection Period 98
4.3. Payables Ratios 99
4.3.1. Payables Turnover (Creditors Turnover Ratio) 99
4.3.2. Average (Creditor) Payment Period 99
5. Leverage Ratios 100
5.1. Debt Ratio 100
5.2. Debt to Equity Ratio 100
5.3. Interest Coverage Ratio 101
6. Summary 102
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SAMPLE PAGES |
INTRODUCTION
The reasons that prompted me to write this book are in the Afterword.
Instead of a lengthy introduction I will just say that this book is for:
those who have only heard of such things as assets and liabilities,
those who have not heard even that,
students that are starting their financial education,
those who graduated from accountancy lines at universities (I know from my own experience that freshly after studies one has little idea of something called ‘practical experience’, that comes with years of working). How much smarter would I have been at that time if somebody had given me something easy to understand and digest...
also for businessmen to enable them to enter a magic world of accountants (if they have not done so yet). I trust it will be an easy task as this world is less complicated that it seems to be,
for everyone who wants to learn new skills, that will pay off later.
All definitions are marked with (D!) and written in bold blue fonts for you to find them easily when you want to return to them later.
I tried to put everything the simplest possible way, without technical jargon (or explaining this jargon).
One important assumption: imagine you run a business. When I say ‘you bought/sold something’, I mean that you have done this as a business. You choose: Whether it is a one-man business or a global corporation, it does not matter. The rules are the same. (With the exception that as a one-man business you probably will not need auditors to check your statements, but you might).
If you do not understand something – do not fear. Mark the page with a yellow sticky note or jot down what you did not follow and continue reading. Return to the fragment after you have read more. It will be probably clearer a couple of pages later.
Now, let’s rock!!!
Ladies and Gentlemen, I invite you into the world of accountants, funny people that count money. Everybody thinks they are boring. Let me show you, how they count the money. This is neither boring nor difficult, as you will see. |
CHAPTER I
REASONS THAT JUSTIFY ACCOUNTANTS’ EXISTENCE
In this chapter you will:
- know the reasons why accountants exist,
- learn about one of the most important thing in accounting – the double entry system,
- understand why accounting emerged as the profession that is involved in every single business activity,
- get to know what tools accountants use (computers and T-accounts),
- comprehend what is the outcome of accountants’ work.
1. Why Do We Keep Records?
First the definition of the word:
(D!) A record is information or data on a particular subject collected and preserved.
There are a couple of reasons to keep records.
First, the most important one is: TO KNOW HOW MUCH MONEY WE HAVE in the till and/or in the bank. Remember one of accountants’ sayings: ‘Cash is king!’ That is true. Without accounting businessmen would rely on bankers (you know how honest and reliable they are!) who send them statements every month and even sometimes charge money for that. So we keep records mostly to prove that we are not funding a free ride for bankers.
Second. HOW MUCH WEALTH WE HAVE ALREADY GATHERED. Have you ever sat and looked at what you already have? A house, a car, a cellar with old French wine, a wife/husband, children, a lover... Errr, those last three do not count, but wine does because we can express this in money terms! This is what accountants do – they measure the value of things and tell us how much we have. (This includes cash that I mentioned in reason 1).
Third. HOW MUCH MONEY PEOPLE OWE TO US. You will not believe it, but accountants treat this money as something that we have! What twisted minds they have! I will tell you about it later. For now, you must agree that it is a very important issue to know who owes us and how much.
Fourth. HOW MUCH WE OWE TO PEOPLE. This is naturally less important than the previous one as this is another person’s problem and they will remind us if we forget. But a smart thing to know is how much before they come for it. It might also be the case that we owe more than we have. In this instance we need to know it in advance to be able to escape to the other side of the world, before they get to us.
Fifth. TO KNOW HOW MUCH WE PURCHASED AND SOLD today, this month, this year. Everybody likes to count their money as it comes. Accountants are such freaks, that they even count money that is not theirs.
Additionally:
- if we know how much we had yesterday,
- and we know how we spent and received today,
- then we should easily arrive at the amount that we have in hand and/or bank at the end of today.
So we know how much money we have without counting it everyday!
By the way: this is one of the most common checks in accounting – we double check things to know whether there were any mistakes along the way. If our calculations (what we got yesterday less what we spent plus what we received today) show something different that we have in hand at the end of today, it means somebody has made a blunder. Our system was not perfect (or it sucks!). Time to look at it once again.
Sixth. TO COUNT OUR BUSINESS AND PERSONAL EXPENSES. I encourage you to adopt the following approach: every expense is a business expense, unless you can’t by any means justify that it is not. Then it is a personal expense. This gives you one major benefit: you will pay less tax. This is because business expenses are tax deductible, personal expenses are not.
But be careful and do not try to make the taxman look stupid. They’re not idiots. And more importantly: they have seen all these tricks before.
And last but not least: Seventh. TO KNOW HOW MUCH TAX WE NEED TO PAY. When you combine fifth and sixth point, you will easily know how much tax you need to pay. Keep the taxman away. Do not let him see that you do not always know what’s happening within your finances (even if this is the case!). Be prepared to justify your numbers when they ask. If they see that you are in control of the situation, they will only bother you occasionally. Or if you are lucky – they will not bother you at all.
All above reasons can be summed up in one simple sentence: accounting is a universal language of businesses – if anybody in the world runs a business, they need some accounting knowledge or they need an accountant.
Now that you know why we keep the records in business, we will take one further step.
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2. How Do We Keep the Records?
2.1. Pencils vs. Computers.
Once the records were kept on paper, in the big books (hence the name bookkeeping). Every event was recorded inside this book in order to
remember what happened in the past. From time to time the guru – the accountant – checked something inside and gave an opinion on how the business was going. Most people thought he was guessing, because if you opened such a book, it was like all Greek – mortals could not even try to understand it.
Nowadays, the most common way to keep the records is to keep them electronically – using computers. We use a variety of programs (accounting software) designed to satisfy the needs of everyone – from small grocery seller to big corporations. We can use off-the-shelf software. This is the most common situation for someone who starts a business. Off-the-shelf software is cheap and often very easy to use. Sometimes the taxman gives it to you for free, but in this instance it is a very basic program (nevertheless it might be enough at the beginning).
Tailor-made software (i.e. made on user demand or customised to his needs) can also be used. This costs a fortune and only fat boys can afford that.
Electronic recording is fast and easy to store and retrieved quickly (which is important when bosses or the taxman ask). But watch out! You cannot get rid of papers yet. Firstly, usually you need to keep the ‘source documents’ and you need to keep hard copies (that means printed out). Secondly, as you may have experienced many times, you can’t rely on computers. So if your hard drive crashes, you need to have something instead. And the gnomes inside computers can very often alter figures.
That makes it impossible to have a paperless office. In fact since computers were introduced, consumption of paper skyrocketed in offices. Reason? Mostly printouts – safe copies. And when you keep the printouts, you know that the gnomes cannot get to them if you lock them in the bottom drawer.
But computers won the fight with pencils a long time ago. So do not trust an accountant who would try to convince you that all these software gimmicks were created for lazy people with no skills and no brain, as the artistry of accounting does not rely on paper books anymore.
2.2. Accounts.
The double-entry system is the core of bookkeeping and accountancy. Without the double entry system both bookkeeping and accountancy would be completely different...
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ZION CONSULTING GROUP
Education Courses & EBooks
Web Design, Website Designer, Business Consultant Consulting Morehead City, Atlantic Beach, Beaufort, Emerald Isle, New Bern, NC
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Zion Consulting Group is the culmination of a new way of doing business.
Technology has become endemic in the lives of billions of people around the world, and as a result, the old ways of doing business are no longer sufficient.
While integrity, professionalism, creativity and diligence are still the core tenets of any successful business, they are too often overlooked in this fast paced society that routinely focuses on instant gratification.
Zion CG helps businesses plug into the new networks that technology and instant worldwide communication have made possible. Potential customers in this age of technology are different than they've ever been before, and as such, any business who hopes to capture their loyalty must cater to their habits and their needs. |
Business & Marketing Consulting
Online Presence & Marketing
Leveraging Technology for a more Efficient and Effective Business
Integration of Cutting Edge Components designed to tap into the power of Web 2.0 |
Print and Online Advertising
Search Engine Optimization
E-Commerce
Cash Flow Analysis
Governance and Compliance
Tax Structures & Strategies |
BUSINESS CONSULTING
Often, when running a business, the owners are so involved in the day to day operations that they are unable to see the bigger picture. What obvious components are missing and what mistakes are they making? Are they unnecessarily hemorrhaging cash? Are they leaving money on the table?
Zion Consulting Group is adept at putting fresh eyes on your business, and quickly assessing your situation. They'll root out those hidden sources of aggravation and make sure that your bottom line is as healthy as it should be.
No one can be good at everything. Too often businesses are run by good people who are experts at the subject of their business, but they are woefully prepared for the many other challenges that come along with running that business. Finances, Marketing, Customer Care and Communication, Regulatory Compliance, Technology Concepts, Price Structure Analysis, etc....
It is very likely that the costs of hiring Zion Consulting Group will be recouped in a very short period of time as the results of their hard work begin to take effect.
Do yourself a favor - discuss your business with Zion CG, and prepare to be impressed ! |
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TRICKS OF THE GRADE - MAKE BETTER GRADES
Professor Joe Martin reveals How to Get Better Grades in College - Improve Grades
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College Professor Reveals the Secrets to
Get Better Grades
Without Cramming or Becoming a Book Worm
Find out what other students are doing to get on the Dean's List, influence instructors, gain more free time to spend with friends, participate in campus activities, take on a part time job for extra cash, go partying without guilt and making their parents proud while loving every minute of it all.
(And now YOU can have these very secrets and apply them to any college course you take to get the highest grade possible!) |
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Tricks of the Grade is an eye opening, power-packed program on the realities of college (as it relates to academic achievement). Having spoken and presented the "Tricks of the Grade" program to more than 110,000 college freshmen on 450 college campuses across the country, as well as to thousands of high school students, I finally decided to brings this award-winning program directly into the homes of anyone and everyone who wants to succeed in college.
Giving students inside secrets that other professors won't dare talk about, Tricks of the Grade will literally shock you (and your student) with its honesty, boldness, and directness.
And the methods you'll discover areanything but traditional.
Students DO NOT learn study techniques, memorization gimmicks, speed reading strategies, note taking skills, or test stress relievers; although all of these skills are useful.
However, if these strategies were really so effective, the national college graduation rate wouldn't be a dismal 53% (according to American College Testing) and 33% among minority students (according to Blacks in Higher Education).
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You Don't Have To Be A Scholar or Brainiac
To Get Better Grades In College
When you use the "Tricks of the Grade" system, you will know how to:
Position yourself for higher grades on the first day of class (without sitting up front) (Tricks #3, 5).
Master the best kept secret to academic success (Trick #1).
Get better grades by getting others to study for you (legally) (Trick #9).
Make the college system work for you instead of against you (Trick #7).
Bend the rules in your favor without breaking them (Tricks #4, 10).
Avoid the most fatal mistakes that 95% of students make (unconsciously)
(Trick #6).
Get your professors to give you better grades than you deserved (ethically) (Tricks #5, 6, 8).
Get "inside information" from your professors (Trick #5).
Ace boring courses and tame tough professors (Trick #7).
Stay motivated in spite of boring classes and boring professors (Tricks #1, 2).
And that's just a small sample of what you'll discover.
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As Good As The Tricks of The Grade Is
It Isn't For Every Student
This program IS NOT designed for…
students who are looking for something for nothing (i.e., no motivation)
students who can't follow simple directions (i.e., no common sense)
students who are afraid of their own shadow (i.e., no courage)
students who are being forced to go to college (i.e., no commitment)
However, the Tricks of the Grade is designed for…
students who believe they can do much better in school if they only knew how
students who are afraid that college will be too tough to for them
students who are stressing themselves out just to maintain a "good" GPA
students who obsess over their grades, but want more out of college than just a high GPA
Tricks of The Grade Is Not Some Magic Formula That Will Suddenly Transform You Into An Academic Genius.
It's Much More Than That...
This program is designed to do the following:
Build a student's self confidence
Improve a student's character (in and outside the classroom)
Strengthen a student's relationship with his or her professors (by becoming a model student)
Give students access to information most students don't have and/or don't know how to get
Show a student how to stand head and shoulders above all other students
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COLLEGE COACH BOOK
Financial Solutions for Families
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JP Morand & Company
For 30 years:
"Our goal is to help you reach yours"TM
If you are creating a wealth plan,
or paying for college, we can help you design a strategy.
Family Guide on How to Pay
for College 2010
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DEBT COLLECTION TECHNIQUES
STOP SPENDING BIG MONEY ON LEGAL OR LAWYER'S FEES TO COLLECT BAD DEBTS
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“Here’s How You Can Quickly and Easily Get Big Cash Collections from Bad Debts Guaranteed to Give You Big Savings in Money and Time Without the Tedious Court Litigations and Expensive Legal Expenses”
How much is effective bad debts collection worth to your business?
Suppose you could read my eBooks and learn the effective techniques to collect debts.
Imagine… getting back your cash now locked in bad debts.
Sounds too good to be true?
Well, it isn’t if you have the right information as stated in my eBooks.
Think about it. My eBooks are the most powerful tool you can have in bad debts collection. My ebooks on bad debts collection provides techniques and strategies that are time tested. Simply put, it turns your bad debts into cash generating machines.
But Creating That Cash Generating Machine Is The Hard Part…
It could take you years and can cost you a fortune to figure out just the right combinations that make some bad debts collection techniques and strategies work – while others fall flat on their face.
But instead of knocking yourself out trying to come up with just the right bad debts collection techniques, you can now have it inside new eBooks called:
" Bad Debts Collection Techniques-A Simplified Version"
“The Theory and Practice in Debt Collection”
At last! Every effective technique and approach are in these two eBooks.
I know you’re probably skeptical and a bit on the conservative side, but think about this – if you keep doing the same things over and over again – you’ll only succeed in getting the same results. That’s why I want to let you try out my proven bad debts collection system – completely and totally risk-free! (I’ll tell you about my unique guarantee in a moment.) |
Which Of These Powerful Secrets Could You Use To Collect Debts? |
- develop the attributes of an effective debts collector
- know financial ratios to use in business so as to avoid bad debts or business failures
- know adverse effects of bad debts in business
- know why businesses go into trouble
- understand the various types of delinquent debtors
- learn effective strategies and tactics to collect bad debts
- learn positive measures to prevent bad debts
- learn various effective recovery or collection techniques plus, lots more
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Okay, So What’s The Cost For This Incredible Resource? |
Well, realize that these eBooks could easily sell for hundreds of dollars. In fact if you asked a top bad debts collection expert , like myself, to produce my eBooks for you, you’d be charged in the neighborhood of $2,000 to $3,000, not including additional charges for publishing and shipping.
I currently charge a minimum of $4,000 for collection and management of bad debts. So at bare bones minimum you’re getting thousands and thousands of dollars worth of time tested collection techniques of bad debts at your disposal.
“While with a universal bank, I worked extensively with Angie who performed the difficult task of reducing the bank’s non performing accounts. Enduring much pressure to collect from financially strapped entities, she showed dogged determination and perseverance but also compassion to understand the predicaments of her clients. Her efforts made her a tough negotiator which were shared with other personnel of the bank of varying discipline and career levels, keen to learn from her vast experience. I can say without hesitation that the accomplisments of Angie brought a tremendous impact on our problematic loan accounts. She is simply a gem to the universal bank”.- Generoso R. Espinosa, former Vice President of Land Bank of the Philippines.
" Angie had twenty years of experience in debt collection in the universal bank where we both worked, partly consisting of period of time under my management. Her multi-billions of pesos of collection in cash and properties from big distressed businesses reveal her time-tested expertise in debt collection. She is a valuable resource person in debt collection."- Peter Eymard S. Tamayo, Deutsche Bank
“I know the author of Debt Collection Techniques to be persistent, studious and a perfectionist in pursuing her goals, specially the art of debt collection. This ebook will surely help you get the 20 years of experience in debt collection that you so badly need to perfect your own craft. A Must Buy For Debt Collection Experts.”- Jomar Hilario / jomarhilario.com
But I’m not going to charge you anywhere near that amount or even my minimum project price. In fact, your total investment for time tested debt collection techniques and management of bad debts are as low as $7.00 for the “Bad Debts Collection Techniques-A Simplified Version” and $17.00 for the “The Theory and Practice in Debt Collection”.
So what’s the catch? Why am I practically giving this resource away?
Well, it’s really quite simple. After working for a universal bank for twenty years and collecting billions of pesos from bad debts, I wish to share my knowledge and expertise to contribute to solutions to bad debt collection of banks and other creditor business companies. |
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THE GOOD GRADES GUIDE: STRATEGIES FOR UNIVERSTY SUCCESS
Discover the Secrets of Top University Students
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Have you ever wondered why some students do well in school while many others struggle? It’s almost as if the students who get top marks know something the others don’t, and truth be told that’s exactly how it happens.
It can be difficult to figure out how to do well on your own and that’s why we created The Good Grades Guide, an ebook that spills the beans on how to well…get good grades. You’ll learn everything from how to write great essays to how to best prepare for exams. |
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University doesn’t have to be a struggle… |
| The Good Grades Guide is a must for any student who wants to take home great marks in university, and who doesn’t want the top marks? We all know that better grades mean your chances of getting a great job increase drastically, and so do your chances of getting into the grad program of your choice. Doing well in school just makes sense. |
That’s why we created The Good Grades Guide |
The guide was created out of a rather personal place. The author, Justin King, wasn’t always a top student. In his first year of university his marks were…well, let’s just say they weren’t nearly as high as he wanted them to be. Despite being confident that he would do well the university system completely swept him off his feet.
By the time he finished his university career however he was on the Dean’s List and had been invited to join the prestigious Golden Key International Honor Society for academic excellence. That’s quite the turn around. How did he do it? It’s all in The Good Grades Guide which is a compilation of what Justin and other successful students do to get great marks. |
Here are some of the things you’ll learn in The Good Grades Guide: |
- How to write amazing essays so you can take home the top marks.
- The best ways to study for an exam because nothing feels better than getting an A.
- The most important question to ask yourself when choosing a major (it’s not “How much money do I want to earn?”).
- How to organize your time so you’re not rushing around at last minute.
- How to market yourself and your essays.
And much more…
In short you’ll have a ton of concrete tips, tricks, and strategies for getting good grades.
Keep in mind, The Good Grades Guide cannot automatically turn you into an A+ student. It doesn’t have all the answers, but it has a lot of them – enough to get you well on your way to great marks. |
So what’s the rundown?
The Good Grades Guide is not expensive. It is a very reasonable $19.95
The Good Grades Guide is a great resource. It covers pretty much everything that will come your way in university.
The Good Grades Guide is not overwhelming. We didn’t artificially inflate the page count by explaining pointless items. You’ll be able to finish it in an afternoon.
The Good Grades Guide is accessible now. It’s a downloadable document (.pdf) so you’ll have it up on your screen instantly.
All that is pretty great but it gets even better: if for some reason you’re not satisfied you can get a refund within 60 days of purchase. This is great because it means you don’t risk a single penny and literally have nothing to lose.
It’s certainly possible to get high marks on your own, but that can be a slow process with uncertain results. Reading The Good Grades Guide, however, means that you’ll learn exactly what your professors are looking for – and that can take your grades to the next level much faster. |
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FRIENDS OF JESUS
A CHALLENGE SUFFICIENT FOR THE FALLING AWAY
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Book of the Year for 2011 is FRIENDS OF JESUS IN THIS BIBLE AND COMPUTER AGE, a challenge sufficient for the Falling Away, by Jerry and Ann McMichael. Go to the Pitch Page, PPP, for more info and how to download a copy immediately. |
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Project Item #1 Summary: |
Friends Of Jesus In This Bible And Computer Age:A Challenge Sufficient For The Falling Away
Authored by Jerry V. McMichael
List Price: $25.00
7 x 10 (17.78 x 25.4 cm)
Full Color on White paper
236 pages
ISBN-13: 978-1441471093 (CreateSpace-Assigned)ISBN-10: 144147109XBISAC:
Religion / Religion Science
The goal of this book is straightforward and simple: to make so clear an understanding of John 14-16 centered around the concept of Friends of Jesus, words from Jesus Himself, that readers accept the challenge of the potential of someday hearing Jesus say to them personally, Friend. Of course, correlated to this is the goal to present this as a challenge sufficient to overcome the inevitable Falling Away of this generation. The message and teachings of Jesus in John 14-16 are made for troubling, fearful, and perplexing times like this generation of the Falling Away. Almost all people believe in God, Jesus would encourage all as thYey begin to accept the challenge of Friend to also believe in Him. What to believe in Him we will come to more thoroughly in chapter 5 on Who is the Lord Jesus Christ of the Bible? What Jesus told the Apostles to believe in Him we begin on immediately in this book's focused look on John 14-17. |
FRIENDS OF JESUS IN THIS AGE OF BIBLE AND COMPUTER, A Challenge Sufficient for the Falling Away is in the tradition of Christian Apologetics especially of John 13-17 on which it is based--only directed to citizens of this century, in the tradition of IN HIS STEPS and YOUR GOD IS TOO SMALL, in the tradition of the little Moody Press books like by F.B. Myers, Dwight L. Moody, and R.A. Torrey, in the tradition of the late, great preacher and former President of the Southern Baptist Convention, who liscensed Jerry McMichael, the co-author with his wife, to preach and performed at Bellevue Baptist Church the wedding ceremony. The reading of this book can change your whole Christian perspective to walk on a higher level for Christ as you accept the challenge that you may actually get called by Christ Himself "Friend" instead of simply with the group singing "What a Friend we have in Jesus". Obviously many who claim Him as friend will not even be there on that great day of the Second Coming, immediately after the Falling Away. You too can be an "overcomer" with a hidden name that noone else knows, a name written in heaven. |
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CHAPTER 1 Friends of Jesus in this Bible and Computer Age 3
CHAPTER 2 Categories of Christians 13
CHAPTER 3 Wound of the Unknown Doctrine 19
CHAPTER 4 This Age of the Bible and the Computer 27
CHAPTER 5 The Oneness of God and Jesus! 35
CHAPTER 6 Who is this Lord Jesus Christ of the Bible? 45
CHAPTER 7 Requirements to Be a Friend of Jesus 53
CHAPTER 8 Paul’s Statement of Faith and Practice in Ephesians 63
CHAPTER 9 Old Commandments 85
CHAPTER 10 A New Commandment 93
CHAPTER 11 The Sound Doctrine of Bread and Bible 105
CHAPTER 12 Clean Disciples: What Is It For a Disciple to Be Clean? (John 13:2-17) 117
CHAPTER 13 How to Keep Clean! 129 |
CHAPTER 14 Friends of Jesus (John 15) 135
CHAPTER 15 Abide In Jesus 143
CHAPTER 16 Good News (Pruning), Bad News (Cast Off) 153
CHAPTER 17 Greater Works than Jesus: Acts of the Apostles 163
CHAPTER 18 A Challenge for the Falling Away 175
CHAPTER 19
This Age of the Bible 183
CHAPTER 20
Age of the Computer 191
CHAPTER 21
Encouragement for Friends 201
CHAPTER 22
Confusion in the Congregation 207
CHAPTER 23
12 Guidelines to Eliminate Confusion 221 |
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HOW TO WRITE SUCCESSFUL PHD THESIS |
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How to write a successful PhD thesis within semi-hostile political environments and perhaps even as a distance learning student. |
About to write a PhD thesis?
Are you concerned with academic politics?
Things advisors and thesis manuals won’t tell you? |
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From: Dr. Russell Norman Murray
Once you are accepted into a PhD program, your advisors will tell you how to write the thesis. The University or College thesis manual can give you technical advice. You can read other theses from that institution in the library.
What about what the advisors won’t talk about? What if you are Jewish and working in a Christian institution or Christian working in a secular one? What political dangers do you need to be aware of?
I am Russ Murray, and I have four earned degrees including MPhil and PhD research theses only degrees. It took me twenty years to earn the four degrees, and I was an excellent student.
In this e-book I explain how politics and related problems can overextend one’s student career and how to be aware of potential problems.
I was Canadian working in the UK academic system, a conservative Christian working in a secular department, and I was a distance learning student, 5000+ miles away from my advisor (s).
I lost my first appointment, but soon found another institution just as good and eventually succeeded.
• PhD appointments are difficult to find.
• Good advisors are difficult to find.
• A supportive department is essential.
• The solutions came from experience and I can save you time and money by helping you to avoid political pitfalls.
• Recognize a good and bad advisor.
• Recognize a supportive or non-supportive department.
• Get information on how to be an effective distance learning student.
So, what will this non PC information, cost you? Not hundreds. Again, your advisors, librarians etc. are paid employees of the institution you are attending or thinking of attending. They will give you the PC party line. Is not political advice from someone that has succeeded in semi-hostile environments worth hundreds?
But, of course PhD students are not wealthy. I could charge $50, but I realize text books are expensive etc, so I am asking for…
$20 US funds
My e-book will help you take a philosophical look at writing the PhD thesis and dealing with potential programs, and avoiding them! I solved my problems through reasoning and experience, and therefore you can avoid some of my situations by reading this e-book. |
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