Rabu, 20 April 2016

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Ebook What's Wrong With Your Life Insurance, by Norman F. Dacey

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What's Wrong With Your Life Insurance, by Norman F. Dacey

What's Wrong With Your Life Insurance, by Norman F. Dacey


What's Wrong With Your Life Insurance, by Norman F. Dacey


Ebook What's Wrong With Your Life Insurance, by Norman F. Dacey

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What's Wrong With Your Life Insurance, by Norman F. Dacey

From Publishers Weekly

A standard "cash value" life insurance policy will pay its prescribed death benefit in any year the prescribed premium is paid up, and the premium usually is reduced eventually to zero by an ever-increasing annual "dividend." Nevertheless, in this updated version of a controversial 1963 title, Dacey ( How to Avoid Probate! ) denounces the insurance industry as a whole for misusing policyholders' money. Huge surpluses from lapsed policies, investments and favorable mortality experience, argues the author, finance exorbitant executive salaries and agent compensation. He sees deception everywhere in the modern insurance world of policies combining mortality charges with a savings/investment program. The variety of such formulas is almost infinite, their complexity confusing to the prospect they are meant to fool (and to the reader), as Dacey demonstrates exhaustively. His uncomplicated advice: "Buy cheaper term-insurance and invest the difference." Copyright 1989 Reed Business Information, Inc.

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From Library Journal

Just about everything is wrong with your life insurance, according to Dacey, unless you have simple term insurance. In this scathing update of his 1963 book of the same name, Dacey, also author of How To Avoid Probate (1965), catalogs the numerous abuses and deceptions he sees being foisted upon an unsuspecting public. Dacey has an inflammatory style ("avaricious industry" and "financial Moloch" are representative epithets), but amply demonstrates, largely from the industry's own sources, how agents strive to sell high-commission cash value policies that leave customers under-insured. His advice: Buy term and invest the difference. While this is a valuable source, it has an enormous amount of detail and is far too repetitious. Careful editing would have made it leaner, if not meaner. Nevertheless, recommended.- Jack Ray, Loyola/Notre Dame Lib., BaltimoreCopyright 1989 Reed Business Information, Inc.

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Product details

Hardcover: 452 pages

Publisher: Macmillan General Reference (October 1, 1989)

Language: English

ISBN-10: 0025293508

ISBN-13: 978-0025293502

Product Dimensions:

6.5 x 1.5 x 9.5 inches

Shipping Weight: 1.8 pounds

Average Customer Review:

4.2 out of 5 stars

37 customer reviews

Amazon Best Sellers Rank:

#275,101 in Books (See Top 100 in Books)

As a licensed producer, this book improved my ability to talk with others about the real necessity of life insurance and to challenge them to know what their goals/objectives really are. Also, this book helped me to perfect my trade when talking with people who may have purchased their coverage blindly, especially if they are easily swayed by the language of the agent. Here's a challenge: Ask your agent what type of life insurance he/she owns. The answer might surprise you!

Perfectly explains how cash value and universal life policy's Rip you off. But term invest the difference!!

Great information. While life is a rip off and more people need to know about this! Term insurance is the way to go. Find a Primerica agent!

I would purchase again from this company. Receive book in great condition. I would recommend to my friends. I shared the book with my husband. Good stuff for self development

Know what your buying, get it, it will open eyes!

This is a book that everyone should own. If you want to save money and not be scammed by bad life insurance people. This book may not be around for long because the life insurance industry does not want you to know the truth and how to protect yourself. This book can help you protect your family and friends. This book is a must buy.

Amazing in its detail and easy to understand. It was straight foreword and pulled open the curtains to allow you to see with clarity the greed of the insurance industry and the common sense of buying term and investing/saving your money outside of your insurance policy.

Love it

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Selasa, 19 April 2016

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PDF Download How to Beat the Market Makers at Their Own Game: Uncovering the Mysteries of Day Trading (Wiley Trading)

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How to Beat the Market Makers at Their Own Game: Uncovering the Mysteries of Day Trading (Wiley Trading)

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How to Beat the Market Makers at Their Own Game: Uncovering the Mysteries of Day Trading (Wiley Trading)


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  • Published on: 1601
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Jumat, 15 April 2016

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Free PDF National Geographic The Photo Ark: One Man's Quest to Document the World's Animals, by Joel Sartore

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National Geographic The Photo Ark: One Man's Quest to Document the World's Animals, by Joel Sartore

National Geographic The Photo Ark: One Man's Quest to Document the World's Animals, by Joel Sartore


National Geographic The Photo Ark: One Man's Quest to Document the World's Animals, by Joel Sartore


Free PDF National Geographic The Photo Ark: One Man's Quest to Document the World's Animals, by Joel Sartore

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National Geographic The Photo Ark: One Man's Quest to Document the World's Animals, by Joel Sartore

Review

“This is one of the most scientifically important—and artistically brilliant—books ever.  I don’t know of any other book that has such power. You cannot see these sensitive portraits of the diversity of animals living on Planet Earth and not be entranced. And moved. And inspired to do all you can to ensure they stay with us. Joel Sartore is an ambassador extraordinaire for the beleaguered animals of our planet and should receive a Nobel Prize. No one can look at these sensitive portraits of the incredible animal beings and not be amazed and inspired to do all in our power to preserve them—all of them, all the complex tapestry of life—for our children and theirs. I can think of no other book with such a compelling message: We must each do all that we can to preserve these incredible beings—all of them.  And we must act now, or it will be too late for most of them.”—Jane Goodall   “Joel Sartore’s The Photo Ark is a magnificent, awe-inspiring, encyclopedic, and forward-looking book. It surely will be game-changer for getting people to connect or to reconnect with other animals and the various landscapes that serve as their homes—to ‘rewild’ their heart—and to become deeply re-enchanted with the remarkable, fascinating, and diverse beings with whom we share our wondrous planet. I shall share it widely with a broad audience, including youngsters, who are the ambassadors for our and other animals’ future. I hope this spectacular work of art enjoys a global audience, and I honestly don't see how it won’t. It is that good.”—Marc Bekoff   “We owe it to these animals, as they struggle for survival on a human-dominated planet, to look them in the eye. Joel Sartore’s awestruck and awe-inspiring photos make that an experience of deep heart and beauty.”—David Quammen“We love them. We are exterminating them. We have no idea most of them even exist. Every painting of Noah’s Ark shows those familiar few animals we all agree seem worthy of salvation. Elephants, giraffes...but every one of them—and most others on Earth—are in fact in mortal danger now. Their flood is us. Yet when expecting new human life we paint animals on our nursery walls. We don’t paint computers or work cubicles. We paint animals, our subconscious, hope-filled wish to greet our unborn child by saying, ‘Welcome into this life-filled world. We are not alone. We have wondrous company.’ It’s time we met those splendid souls with whom we are failing to share our planet, whom we are annihilating. Joel Sartore’s stunning images are powerful enough to make us all ask and answer the question: ‘What will I do?’”  — Carl Safina, author of Beyond Words; What Animals Think and Feel

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About the Author

JOEL SARTORE is a photographer, speaker, author, teacher, and a 25-year contributor to National Geographic magazine as well as Audubon, Geo, Time, Life, Newsweek, and Sports Illustrated. He has written several books including National Geographic's Rare: Portraits of America's Endangered Species, Photographing Your Family, and Let's Be Reasonable, a collection of essays from the CBS Sunday Morning show. Sartore and his work have been the subjects of several national broadcasts, including the National Geographic Channel's Explorer, the NBC Nightly News, NPR's Weekend Edition, and an hour-long PBS documentary, At Close Range. He is also a contributor on the CBS Sunday Morning Show with Charles Osgood. HARRISON FORD is an American actor and film producer. He gained worldwide fame for his starring roles as Han Solo in the original Star Wars epic space opera trilogy and the title character of the Indiana Jones film series. DOUGLAS CHADWICK has reported on wildlife around the world, from right whales in the subantarctic to snow leopards in the Himalayas, producing close to 50 articles for National Geographic magazine. He has written 13 books about wildlife and conservation, including several focused on the Rocky Mountains.

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Product details

Hardcover: 400 pages

Publisher: National Geographic; First Edition edition (March 7, 2017)

Language: English

ISBN-10: 1426217773

ISBN-13: 978-1426217777

Product Dimensions:

10.2 x 1.2 x 10.1 inches

Shipping Weight: 4.4 pounds (View shipping rates and policies)

Average Customer Review:

4.8 out of 5 stars

454 customer reviews

Amazon Best Sellers Rank:

#3,001 in Books (See Top 100 in Books)

My first copy of this book was a gift from friends. When I opened it, I could not put it down until I had at least briefly seen every image, even though I had visitors. Each image of many diverse animals was compelling. The “animal portraits” were created against black or white backgrounds, eliminating all distractions from the animals themselves. Sartore knew he could not photograph such a wide range in the wild even if he had several lifetimes. With a goal to document animals alive on earth, and with many in decline and/or facing extinction, he knew the best chance would come from photographing animals in captivity and in breeding programs. That does not mean the photography was easy! As a photographer, I appreciated a series of vignettes scattered through the volume on “Making the Photographs.” The images alone are reason enough to buy the book.The collection of images was meant to convey messages about the fragility, beauty, and interconnectedness of life on Earth. It does that powerfully. I appreciated the interspersed vignettes on “Heroes” scattered throughout the volume.A few reviewers stated that the paper and printing of the book were not of the quality they expected. Personally, I was both amazed and grateful that this beautiful book was available at a price many people could afford. A true art book would be beyond the reach of many people, which would defeat Sartore’s purpose in creating the book. I’m quite satisfied with the quality of this volume.I have now purchased this book as a gift for friends, who I know will share it and discuss it with their grandchildren. The next generation will painlessly learn about biodiversity and our responsibilities as caretakers of our Earth.A wonderfully conceived and beautiful effort everyone can enjoy.

Wow! Truly lovely and mesmerizing! I want to rate this 7 out of 5.Many thanks to Joel Sartore and NG for the production of this everlasting beauty! I've scanned through the book quickly, but later, I'm going to take my time to get lost between the folds of this colorful print, for hours. I hugely recommend this book to anyone who loves animals and appreciates beauty (We all do, don't we?).By the way, it's a big book with thick pages, so mind the weight! ;-)

This is an amazing and life changing book. For anyone who treasures our community of living beings on Earth, this book will delight you. It reinforces the connection we have with other species and does so with the most magnificent photographs one can imagine. It will always be by my side.

The Photo Ark arrived today from Amazon. After reading some of the reviews before which stated the printing quality was lacking resolution or detail ,I was concerned that the resolution quality would be lacking in fine detail or that the photos would be blurry, but the images seemed sharp to me. They were beautiful and the details amazing. I am an artist and took photography so I think I have an eye for such things, and it seemed fine to me. I am so glad I purchased this book to support such a beautiful project . It's so voluminous with so many creatures represented, it really is like Noah's Ark. What an inspired labor of love! I cried when I was looking at all the animals and thinking how amazing and beautiful they are and to think we humans are endangering them . As other reviewers stated, every family or classroom should have a copy. There are so many color plates in this book that I am amazed at the price for the quality. For folks who wanted better paper or better printing, the book would cost $100.00! The quality is beautiful and I am glad National Geographic published and produced it the way they did so it could find it's way into more hands and hearts.

Stunning book. Not only were the animal photos the best I have ever seen, (In fact many of the animals were completely unknown to me) but the way the author presented them, giving each the significance they deserved. Joel's story about how he began and continued his immense journey and important work is a call to all of us to protect and be stewards of our beautiful home and all who inhabit it. II was so impressed with the book, I purchased a copy for each of my sisters, who are not much into the environmental movement.

After buying this book for a gift, I read every page! The animal photos, plus the artistry of the photographer are so spectacular. It seems like the animals are looking right at you from the page. I'll be buying more for gifts and my home. The most telling photo was a species where there were only four left in the world. Photographer Joel Sartore captured two of them on film.

I was so excited to get this book as I have been watching Photo Ark on PBS. And although the collection of photos is stunning, the resolution of the vast majority of them leaves a lot to be desired. On my TV screen the photos totally blew me away but in print the fine details are lost. With today's technology they clearly could have been reproduced better. One reviewer complained that the paper is too thin, that isn't my experience. The paper is fine but the photos are a real disappointment.

...It was for me to watch Joel on a PBS special working on this book, while with my parents at their cabin. As soon as I got home I looked for this book. I ordered one for my home to share with family and friends. I also ordered a second copy for my parent's that sits on their cabin coffee table and has been enjoyed by them and many visitors. Excellent purchase and quality...quick delivery...so happy!!!!!

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Posted by allhaildora on April 15, 2016 in | No comments

Download Sexual Body Language: 120 Body Language Signals That She Likes YouBy Nicholas Jack

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Sexual Body Language: 120 Body Language Signals That She Likes YouBy Nicholas Jack

Sexual Body Language: 120 Body Language Signals That She Likes YouBy Nicholas Jack


Sexual Body Language: 120 Body Language Signals That She Likes YouBy Nicholas Jack


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Sexual Body Language: 120 Body Language Signals That She Likes YouBy Nicholas Jack

New Version: 1/26/2014. It is now longer and filled with more information.
Have you ever wanted to read that cute girls mind? After reading this book, and mastering these concepts you can. You can know what she is thinking and who she is thinking it about. As long as it relates to dating, you will find it here.

To give you an idea of the valuable information contained within this list, here are some signals of attraction from the book:

2. She meets your eyes then looks away in a downwards direction – When strong eye contact is accompanied with her looking downward she's showing submission. She's playing coy but she wants you to go over and talk to her. It's an even stronger show of attraction if she looks at you again after looking down.

12. Preens her hair – If she fixes or touches her hair in any way, she is worried about how she looks. The most common cause for this is seeing a cute guy.

16. Group of girls in a circle talking, laughing and there are girls in the group looking towards you – You will usually find attractive women out in groups with their friends. If you happen to see this, the girl with her back to you is most likely the one interested, and yes, they are talking about you.

24. Her pupils are dilated – When we see something we really like our pupils dilate. We have no control over this so it's impossible to fake or hide. On the other hand when we see something we don't like, our pupils will contract. Make sure to note the lighting. When it is dark our pupils naturally dilate to take in more light. When it is bright our pupils contract. Look for her eyes sparkling, this is caused by her dilated pupils catching the light.

54. She asks you if you're single – This is an easy indicator that a girl is thinking about you as a potential boyfriend. A sneaky tactic girls will use to learn this is to mention your girlfriend, even though you haven't said anything about having one. She is waiting for you to correct her.

74. She laughs at your jokes that are NOT funny – You may leave certain conversations with girls thinking “Wow! I am funny.” You're not. She was just really into you. Look back at some of the jokes you made to see if that's the case. If those jokes are not funny, and she started laughing like you're Dane Cook, then that is a very strong signal of attraction.

96. She has sweaty palms –When we are nervous about something or with somebody we are attracted to our palms get sweaty. A way to notice this without feeling them is seeing her rubbing her palms together or wiping her palms on her clothes.

99. She stares longingly into your eyes, with a glance at your lips – This is the most common and easiest way to tell if a girl is ready to be kissed. If she is holding your eye contact for long periods of time, and glancing at your lips at all. It's time to go for the kiss.

116. She “Accidentally” leaves an item with you, in your car, or in your house – This is a very slick and common move, and it is how girls take matters into their own hands. They don't want to take the chance that after that amazing date they will never see you again. They are going to leave something with you. A pair of earrings, a jacket, a hat, or any other item worth more than a candy bar.

Because of the knowledge reading the sexual body language of a woman gives you, you don't need to put yourself in a position to be rejected by a girl ever again. This further helps you by turning you into a "Winner." Check out this excerpt from the book about winners:

-The effects of winning literally have a chemical effect on our bodies. When we win, testosterone shoots through our blood stream. As men, more testosterone is going to make us better with girls. They are going to see that excess of testosterone at a very primitive level, and they will flock to you.
However one word of warning. Remember this quote and you won't go overboard with this concept “You can never really win, what you don't risk losing.”

  • Sales Rank: #616187 in eBooks
  • Published on: 2012-04-03
  • Released on: 2012-04-03
  • Format: Kindle eBook

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Sexual Body Language: 120 Body Language Signals That She Likes YouBy Nicholas Jack PDF
Sexual Body Language: 120 Body Language Signals That She Likes YouBy Nicholas Jack PDF

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Free PDF People Games: The Ten Most Common Mind Games and Power Plays That People PlayBy Min Liu

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People Games: The Ten Most Common Mind Games and Power Plays That People PlayBy Min Liu

People Games: The Ten Most Common Mind Games and Power Plays That People PlayBy Min Liu


People Games: The Ten Most Common Mind Games and Power Plays That People PlayBy Min Liu


Free PDF People Games: The Ten Most Common Mind Games and Power Plays That People PlayBy Min Liu

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People Games: The Ten Most Common Mind Games and Power Plays That People PlayBy Min Liu

"Man is free the moment he wishes to be". 
-Voltaire 

In dealing and communicating with other people, we often fall prey to their power plays and mind games. Realize this: We are constantly under siege by the manipulations and machinations of other people. We must learn to see the world as it is rather than how we would like it to if we want to be "free". 

PEOPLE GAMES is a non-technical, easy-to-read guide (yes, easier than "Games People Play") to help you recognize when you are being manipulated by others in your social, family, business, or work interactions. We can be free from other people's power plays and mind games if we wish to be, and if we train ourselves to RECOGNIZE them. 

A “power play” is a maneuver, usually verbal, that is used by a person to (i) manipulate another person to do something or (ii) avoid giving the other person what they want. This book will teach you how to RECOGNIZE such power plays being used against you, especially the most commonly used ones by other people, and also how to RESPOND to and DEFLECT such power plays. 

You will learn how to extricate yourself from secret ploys, unclear motives, and shady maneuvers used by other people, and structure your interactions so that they are no longer clouded by such undesirable things. 


In doing so, you will be able to protect your personal boundaries, move towards more open and honest communication with other people, and protect your own best interests. 

Some of the power plays and mind games covered by "People Games" are: 

-Dominance/Submission 
-Emotional Blackmail 
-You Owe Me 
-Playing the Victim 

...and more!

NEVER BE MANIPULATED BY OTHER PEOPLE AGAIN! 

***LIMITED TIME ONLY:  SPECIAL BONUS CONTENT ("THE NEXT TEN MOST COMMON POWER PLAYS AND MIND GAMES") INCLUDED!!

  • Sales Rank: #275641 in eBooks
  • Published on: 2016-02-21
  • Released on: 2016-02-21
  • Format: Kindle eBook

About the Author
Min Liu is the author of the book you are reading, the books "The King's Mindset: Twenty Mindsets to Transform Ordinary Men Into Kings", “Vocal Superstar: How to Develop a High Status Voice”, “The New Art of Being Right: 38 Ways to Win an Argument in Today's World”, and “Verbal Self Defense 101”. Based in San Francisco, CA, his mission is to help people not only improve, but become EXCEPTIONAL at social and verbal skills. Everything he knows about these things, he knows from his many different lives as an instructor at UC Berkeley, a nightclub promoter, an international corporate and securities lawyer, and now, an author. He’s passionate about sharing what he has learned from his transformation from a shy, socially awkward kid into someone who has the ability to use verbal and social skills to get and achieve what he wants in life. He believes everybody has the innate ability to make such a transformation by exercising “muscles” that have not been used very much, and by sharpening the skills they already have. He gets especially aroused these days by basketball, kickboxing, meditation, songwriting, reading books on psychology and inspirational people, people who are value givers, and most of all, constantly breaking out of his comfort zone and helping others break out of theirs. On the other hand, he absolutely cannot stand mediocrity, unoriginal and lazy thinking, and he really can’t stand wearing sweaters.

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People Games: The Ten Most Common Mind Games and Power Plays That People PlayBy Min Liu PDF

People Games: The Ten Most Common Mind Games and Power Plays That People PlayBy Min Liu PDF

People Games: The Ten Most Common Mind Games and Power Plays That People PlayBy Min Liu PDF
People Games: The Ten Most Common Mind Games and Power Plays That People PlayBy Min Liu PDF

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