Based on don Miguel Ruiz's New York Times bestselling book, The Four Agreements, the 48 cards in this deck provide a simple yet powerful code of conduct for attaining personal freedom and true happiness. There are 12 cards corresponding to each of the four agreements- (1) Be impeccable with your word; (2) Don't take anything personally; (3) Don't make assumptions; and (4) Always do your best. These cards will help you transform your life as you recover the awareness and wisdom of your authentic self!
The Four Insights are the wisdom teachings that have been protected by secret societies of Earthkeepers, the medicine men and women of the Americas. The Insights state that all creation—humans, whales, and even stars—is made from light manifest through the power of intention. The Earthkeepers mastered the Insights, and used them to heal disease, eliminate emotional suffering, and even grow new bodies that age and heal differently. Mastery of the Insights allows you to reinform your DNA and participate consciously in your biological, emotional, and spiritual evolution. According to the prophecies of the Maya, Hopi, and Inka Earthkeepers, we’re at a turning point in human history, when a new species of human will give birth to itself. We’re going to take a quantum leap into what we’re becoming and will no longer be Homo sapiens but Homo luminouos. The Four Insights reveal ancient technologies we can practice for becoming beings of light with the ability to perceive the energy and vibration that make up the physical universe at a much higher level.
Report to Congress by the Federal Reserve Board of Governors
Author: Ben S. Bernanke
Publisher: DIANE Publishing
This report makes available certain information submitted to the Federal Reserve Board of Governors concerning agreements between credit card issuers and institutions of higher education or certain affiliated organizations, such as alumni associations or foundations, that provide for the issuance of credit cards to college students. Contents: Introduction; Overview of College Credit Card Agreements; Detailed Information about College Credit Card Agreements; College Credit Card Agreements in Effect in 2010; College Credit Card Agreements Terminated in 2010; Corrected Information Regarding College Credit Card Agreements in Effect in 2009. Charts and tables. This is a print on demand edition of an important, hard-to-find report.
EVERYDAY POSITIVE THINKING Each day, randomly open this book to a couple of positive thoughts, and you'll find that your outlook becomes a whole lot brighter! *** In addition to Louise L. Hay, the authors whose positive words are included in this book are: Abraham-Hicks (Jerry and Esther Hicks), Sylvia Browne, Chrie Carter-Scott, Deepak Chopra, Stephen R. Covey, Wayne W. Dyer, John Gray, Keith D. Harrell, Kryon (Lee Carroll), Daniel Levin, Max Lucado, DON Miguel Ruiz, Julie Morgenstern, Caroline Myss, Leon Nacson, Christiane Northrup, Peter Occhiogrosso, Suze Orman, Cheryl Richardson, Anne Wilson Schaef, Tavis Smiley, Iyanla Vanzant, Doreen Virtue, Brian L. Weiss, Bruce Wilkinson, and Marianne Williamson.
A wonderful Visioning and Energy work tool that will open your perception of reality into realms of mystery and magic, while helping you clear out limiting and heavy beliefs. These beautiful books are blessed with 22 new and original images created by Indigo Flores in collaboration with Heather Ash just for this book. Incorporating symbols and places from Teotihuacan mexico and the teachings of the Toltec into the base concepts of the tarot has created an incredible beauty in each card that will truly astound you. Each card has an inspiring poem created just for it by Heather Ash, awesome seeds that will empower you to truly channel the energy of each card. There is a 20 page introduction to the tarot and a page of information for each card that has never before been taught.
How to Catch the Next Wave of Success After You Lose Your Job
Author: Kitty Martini
Publisher: Sterling Publishing Company Incorporated
Category: Business & Economics
A book on recreating oneself and one's career after being fired or laid off helps readers pause and ask themselves what they want to do next, understand the changing job market and find a job in growth areas such as green technology, in a book that also has a chapter for women and a section on freelancing. Original.
Consumer Credit and the American Economy examines the economics, behavioral science, sociology, history, institutions, law, and regulation of consumer credit in the United States. After discussing the origins and various kinds of consumer credit available in today's marketplace, this book reviews at some length the long run growth of consumer credit to explore the widely held belief that somehow consumer credit has risen "too fast for too long." It then turns to demand and supply with chapters discussing neoclassical theories of demand, new behavioral economics, and evidence on production costs and why consumer credit might seem expensive compared to some other kinds of credit like government finance. This discussion includes review of the economics of risk management and funding sources, as well discussion of the economic theory of why some people might be limited in their credit search, the phenomenon of credit rationing. This examination includes review of issues of risk management through mathematical methods of borrower screening known as credit scoring and financial market sources of funding for offerings of consumer credit. The book then discusses technological change in credit granting. It examines how modern automated information systems called credit reporting agencies, or more popularly "credit bureaus," reduce the costs of information acquisition and permit greater credit availability at less cost. This discussion is followed by examination of the logical offspring of technology, the ubiquitous credit card that permits consumers access to both payments and credit services worldwide virtually instantly. After a chapter on institutions that have arisen to supply credit to individuals for whom mainstream credit is often unavailable, including "payday loans" and other small dollar sources of loans, discussion turns to legal structure and the regulation of consumer credit. There are separate chapters on the theories behind the two main thrusts of federal regulation to this point, fairness for all and financial disclosure. Following these chapters, there is another on state regulation that has long focused on marketplace access and pricing. Before a final concluding chapter, another chapter focuses on two noncredit marketplace products that are closely related to credit. The first of them, debt protection including credit insurance and other forms of credit protection, is economically a complement. The second product, consumer leasing, is a substitute for credit use in many situations, especially involving acquisition of automobiles. This chapter is followed by a full review of consumer bankruptcy, what happens in the worst of cases when consumers find themselves unable to repay their loans. Because of the importance of consumer credit in consumers' financial affairs, the intended audience includes anyone interested in these issues, not only specialists who spend much of their time focused on them. For this reason, the authors have carefully avoided academic jargon and the mathematics that is the modern language of economics. It also examines the psychological, sociological, historical, and especially legal traditions that go into fully understanding what has led to the demand for consumer credit and to what the markets and institutions that provide these products have become today.
Economically, times are tougher today. The family budget is tighter. This book in your hands will show you how to make some extra money throughout the year. This cash can fill in your budgetary shortfalls. This is a how-to book about making money off credit card companies. In this book, a step-by-step instruction is given about how to make money by paying your monthly expenses with your credit card. In this book, you will learn what a sign-up bonus ishow to earn and redeem a sign-up bonus. You will also learn about cash-back bonuses, how they work, and how to redeem the cash-back bonus. After reading this book, you will be able to transfer a balance between credit cards without paying that nasty 3 percent to 5 percent balance transfer fee. Also, you will learn to avoid paying interest charges. Paying interest and balance transfer fees are detrimental to your financial health. The chapters are set in a story format to make learning easier and more enjoyable. You will meet Ralph and Susan as they learn to cash in sign-up bonuses for some extra cash. You will see how Granny pays for Christmas with the credit card companys money. Christy will show you how she buys new shoes by just paying her bills. Plus you will meet several other characters in other situations and circumstances. This book will teach you how to do the same things and more. Now it is your turn to earn some extra cash! It is time for cashing in on credit cards! Make money by paying your bills!
A Tale of Hubris and Wretched Excess on Wall Street
Author: William D. Cohan
Category: Business & Economics
A blistering narrative account of the negligence and greed that pushed all of Wall Street into chaos and the country into a financial crisis. At the beginning of March 2008, the monetary fabric of Bear Stearns, one of the world’s oldest and largest investment banks, began unraveling. After ten days, the bank no longer existed, its assets sold under duress to rival JPMorgan Chase. The effects would be felt nationwide, as the country suddenly found itself in the grip of the worst financial mess since the Great Depression. William Cohan exposes the corporate arrogance, power struggles, and deadly combination of greed and inattention, which led to the collapse of not only Bear Stearns but the very foundations of Wall Street.