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We've laid down the foundations and educated you in the art of setting realistic financial goals, having demystified financial jargon and outlined the key pillars of investing along the way. Now it's time to put your money where your mouth is.If you are looking to save for rent, make a first deposit, or simply invest in a better future for you and the planet, this financial planner contains all the practical steps, goals, and budgeting exercises you need to start building that "f-you" fund and finally get excited about your financial future.Even if you only have a tiny savings fund to begin with, you too can live a rewarding, limitless life by investing in yourself and this book.This planner includes:A guide to setting your savings goalsA monthly to-do list to help you reach your targetsSpace for taking notes and reflecting on your progress

This book contains proven steps and strategies on how to get your finances back on track by improving your credit score. Whether you are looking to improve your credit score to get a loan for a new car, get a more competitive mortgage for a house or would just like to be in a better position for the future, this book will show you how.In getting your finances back on track, it is very important to understand the different factors that affect your credit rating. This book offers a clear understanding of the matter as well as these factors. More importantly, tips on how to improve your credit score are provided herein as well. You are guaranteed to learn:What the fico score is and how it dominates the credit score worldHow to start building a great credit score todayWhat all the confusing credit card terms really meanMistakes that lead to low credit scores and exactly what you need to do to avoid themThe trajectory of the credit score industry into the future and what this means for the consumerIn this book, i will give you the best tips to improve your creditworthiness and some secrets that will help you realistically get the best possible score without having to wait many years for it.You'll get all the dispute letter templates you may need. So, you'll exactly know what to write in any case: if you don't receive an answer, if you need to request the removal of negative items from the original creditor or if the credit bureau doesn't remove negative items disputed.

This workbook is a companion to the first Peaceful Prosperity book, Taking the Fear Out of Finance by Laura Redfern, CFP®, CeFT®. Taking the Fear Out of Finance is a journey up your financial mountain. Along the way, we consider you as a whole person and look at more than the money you have in the bank. We consider your financial well-being from multiple vantage points. We take mental breaks to journal, reflect, and process the experience. This workbook is YOUR space to do the work that is described in the book. The activities represent a "greatest hits" selection of the worksheets and exercises used over the years in the Peaceful Prosperity Workshops. All of them have been "approved" by workshop participants as worthwhile and helpful in taking the fear out of finance. From math-y spreadsheets to mindful meditations, you'll find a variety of activities here. If one doesn't particularly appeal to you, feel free to skip it and move on to another that does. You can give all of them a try and see what you can learn. · Discover your money blocks · Increase your income· Budget creatively· Improve your credit score· Describe your ideal life· Explore your balance sheet· Communicate more effectively about moneyThe entire Peaceful Prosperity program is designed to engage your mind, your heart, and your soul to make this a truly transformational experience. Together, we can take the fear out of finance and bring peaceful prosperity into YOUR life. Let's get started! Grab the workbook, a pen, and your favorite beverage (I'll be having tea), and let's take the fear out of finance.

Novice investors need to understand the plans, techniques, and tactics of investing in today's competitive and aggressive market. A thorough beginner's guide to investing is a crucial resource for anyone looking to increase their money wisely and, regardless of experience level or confusion about the conflicting and inconsistent advice that is out there. You've come to the correct spot if you're searching for an investment guide that provides a foolproof strategy for saving money and retiring early.They say wealth doesn't grow on trees, but the idea is the same as a tree's growth process-it takes time. All of us aspire to prosperity, but the issue is that we don't want to go through the growth process that a tree goes through. Rugs to reach tales that we hear about daily don't make life any easier for us; instead, we are searching for quick fixes. Consider this: everyone enjoys hearing about success stories but is not interested in hearing about the numerous failures of individuals who have achieved success.Investors are searching far and wide for the best place to park their money during this historically low-interest rate period. The stock market continues to be the most excellent way to increase your capital and provide riches for your family, even in the face of fluctuations and uncertainties. The truth is that everyone can succeed as long as they have commitment and a strategy, regardless of circumstances or financial status. However, you must comprehend the game's rules and know how to make your plans for the future. We walk you through every step of the process in this book, which is meant for total beginners.

Are you struggling with financial burdens that seem impossible to overcome? Do you wonder why the promise of prosperity feels so distant? Discover the divine path to healing in Heal Your Money Wounds God's Way. In this illuminating guide, you'll explore the often-overlooked spiritual roots of financial struggle, and find empowering, faith-driven strategies to turn your finances around. It's not just about money; it's about embracing the life of abundance that God has planned for you. Devout Christian, expert mortgage advisor, and published author Kathy Current skillfully blends biblical wisdom with real-world advice, creating a roadmap for Christians who are yearning to prosper. You'll learn:¿¿How to identify the spiritual wounds that hinder financial growth.¿¿Techniques to heal and overcome past mistakes.¿¿Ways to align your financial practices with God's teachings.¿¿Strategies to grow not just wealth but spiritual richness.Whether you're a lifelong Christian or new to the path of faith, this book will open your eyes, heal your heart, and guide you to a place of true prosperity. Embrace the opportunity to heal, thrive, and live abundantly, God's way. Your journey towards financial and spiritual enlightenment begins here!

Have you ever wondered what separates the mega-rich from the rest of us? The secret often boils down to a willingness to take risks - huge risks - that most normal investors wouldn't dare go near. "Flirting With Financial Oblivion" takes you inside the adrenaline-fueled world of the true high rollers who think nothing of betting massive amounts on insanely risky ventures that could just as easily bankrupt them. This book reveals the darkest corners and most perilous peaks of the financial world that only the bravest and most foolhardy adventurers explore. We delve into exotic investments like uncovered options, bitcoin arbitrage, and unregulated ICOs that many didn't even know existed. Tales from first-hand survivors provide chilling lessons on how seemingly small mistakes can lead to complete financial annihilation when dancing with high-stakes danger.While not recommending these investments for the faint of heart, "Flirting With Financial Oblivion" pulls back the curtain on exactly how the 1% gamble for glory and profits. Perhaps a small taste of these forbidden fruits can enhance your own portfolio if approached with ample caution. But are you really ready to flirt with potential oblivion? This book may just convince you to stick to safer harbors and leave the thrill-seeking to the Richard Bransons of the world. If you're looking for excitement and intrigue from the financial world's equivalent to storm chasing, this is a must-read peek behind the curtain. All aboard for the wildest ride of your life!

Take charge of your financial future with Economically Savvy. Rewrite your financial story and embark on a transformative journey to wealth and financial wellbeing. This transformative guide provides a wealth of practical strategies, actionable insights, and real-life examples, empowering you to take control of your financial destiny.In today's ever-changing financial landscape, achieving wealth and financial wellness can seem like an elusive dream. But fear not! In Economically Savvy, Dr. Tywanquila Walker unveils the secrets to navigating the intricate landscape of money management with finesse and confidence.This transformative guide provides a wealth of practical strategies, actionable insights, and real-life examples, empowering you to take control of your financial destiny. Discover innovative ways to optimize your income, reduce debt, and build a robust emergency fund to weather any storm.Packed with practical tips and expert guidance, Economically Savvy gives you the knowledge and skills needed to thrive in an uncertain economy. Whether you're just starting your financial journey or seeking to enhance your existing wealth, this book will guide you step by step to a future of prosperity and abundance.Economically Savvy is the ultimate resource for anyone who is ready to take charge of their financial destiny and create a life of lasting prosperity. Embrace the power of financial literacy. Unlock your true economic potential. Get ready to rewrite your financial story and embark on a transformative journey toward economic savviness.

The number one fear most retirees face is whether they will have enough money saved for retirement. With the average life expectancy on the rise, retirees are now asking themselves this frightening question: Will I outlive my retirement savings? In The Capitalized Life and Retirement Matthew Johnson shares practical insights from over two decades of experience as a financial advisor.Not only does Johnson walk readers through the basics of retirement investing, but he helps them identify the numerous pitfalls along the way. One of these includes the common myth that investing in the stock market is the only valid option for savvy investors. Based on his experience and understanding of the marketplace, Johnson helps readers understand why many financial planners do not always have their clients' best interest at heart. And often, planners focus on incentives that might pad their own bank accounts at the expense of depleting the principals of investors. In doing so, these planners have fallen prey to the "disease of ease" and do not have their investors' best interests in mind.Thankfully, there is hope. While the topic of retirement is overwhelming to many, Johnson uses his plan-spoken style to give readers the understanding and confidence they need to make wise investment decisions. The key for retirees, as Johnson shares, is to switch from growth-oriented to income-oriented investment strategies. And this simple change can make the difference between someone living a nightmare or the retirement they always dreamed.

Finishing Strong: An Estate Planning Journey delves into the crucial importance of comprehensive estate planning and addresses the prevalent issue of unpreparedness among individuals. The authors, Ronald "Skip" Skolnik and Elizabeth "Libby" Skolnik Budweg, stress that it is the responsibility of every person to take charge of their estate planning, particularly when it comes to mitigating potential challenges.The book highlights two significant problems that hinder effective estate planning. First, many individuals fail to recognize the necessity of a comprehensive plan, often resulting in unforeseen financial burdens such as nursing home costs or probate court proceedings. Second, people often struggle to know where to begin due to a lack of specialized knowledge and guidance from professionals.To tackle these issues, the book offers insights into various aspects of estate planning, including legal documents, financial positioning, taxes, nursing home expenses, and asset distribution. It emphasizes the need for a multidimensional approach that brings together expertise from various experts such as attorneys, accountants, financial planners, insurance professionals, nursing home specialists, and funeral directors.Additionally, the book acknowledges the demographic shift in the United States with an increasing aging population and emphasizes the importance of preparing for the associated costs. It aims to empower readers with the knowledge to safeguard their assets and effectively address the challenges they may face.Ultimately, Finishing Strong: An Estate Planning Journey emphasizes that estate planning is both an art and a science. It requires careful consideration of legal and financial requirements, and all of them must work together. It encourages readers to envision their desired outcomes and take comprehensive action to protect their families and leave a lasting legacy.

Don't Retire Refire discusses the life and stage of early retirement through your senior years. Sheila White takes you by the hand and enables you to explore a journey that is awaiting you to live your life fired up in your retirement years. You will find your moments of clarity as you harness the power of purpose during these years. Sheila White will help you raise your energy to a higher level as you tune in, tap in, and turn up the volume of vibrational frequency of though and belief in yourself. Each chapter will leave you with many thought provoking antidotes that counteract those stumbling block of negative fear thoughts of failure. Sheila White will help you realize that retirement does not have to be a long vacation, or time to sit down and relax for years not engaging in adventures in life. Don't Retire Refire is a must read for those who seek tremendous results in their personal, business, and spiritual life in their later years. Don't Retire Refire is a key to unleashing the seeds of greatness planted inside of you. You don't have to stop or be any less great than you were when you were younger.

In this book, Sal DeCristofaro explains in simple language and real stories how to eliminate the confusion of planning for your retirement. You'll understand how he believes your retirement should be a top priority and how to properly plan for retirement without taking unnecessary risks. Each chapter focuses on one of the primary areas you need to address in order to have a safe and secure retirement. By addressing each area properly, you'll create what Sal calls a Retirement Shield as you consider a proven approach to protect your future and turn your dreams into reality. Inside, you'll learn about the primary Retirement Shield areas:Social Security - When to take it and how to increase itIncome for Life - How to continue receiving a paycheck in retirementTaxes - What to do to lower or eliminate them altogetherLong-Term Care - Why this is so critical and how to pay for itLife's "What If" Scenarios - Where you should look to avoid dangerous circumstancesYou'll also hear from people like you who have created their own Retirement Shield to protect their income, provide for their health, and prepare themselves to enjoy the rest of their lives without worry or concern.Retirement should be the best years of your life. Make this true for yourself by reading and applying what you learn in this book.

I eventyr får helten succes ved risikovillighed, selvtillid og målfokus. Disse tre egenskaber er højt skattede i bøger om vejen til succes. Skiftende regeringer har bebrejdet danskerne at være for lidt risikovillige, selvtillidsfulde og målfokuserede. I eventyr vinder helten prinsessen og det halve kongerige – og det hele, når kongen dør. Altså den ultimative succes. Et overset problem er, at de nævnte egenskaber førte et stort antal uheldige friere til en tidlig død. Måske var de klogeste i eventyrene de aldrig omtalte ”ikke-friere”, der satsede på en gårdmandsdatter fremfor den næsten stensikre død ved prinsessefrieri. Bogen kaster et ironisk blik på dyrkelsen af de store ”succesjægere” og advarer mod at være ”bagland” for sådanne personer, ligesom den kaster et kritisk blik på offentlig erhvervspolitik med overdreven vægt på iværksættere. Bogen diskuterer blandt andet følgende spørgsmål i forbindelse med succes: - Er selvtillid en god egenskab? - Er risikovillighed en god egenskab? - Er der for få iværksættere i Danmark – eller for mange? - Arbejder danskere for lidt eller for meget? - Er dansk økonomisk politik for testoteron-præget?

Money is everywhere. Even when we can't see it, its effects can be felt: abundance and scarcity, sharing and leverage, faith and fear. It is an expression of value, but ... Value to whom? And why? How did we get here?Brett Heaton Juarez explores these questions and more throughout a thoughtful Millennial money chronicle, from his quintessential suburban upbringing outside of Chicago to the harsh realities of nonprofit youth work, and the highs and lows of joining finances with his Compton-raised wife, pivoting careers, and supporting a growing family - all while chasing his dreams and seeking to make a difference in the world.This book won't provide financial advice. But it will go deeper to connect the dots between messy feelings, in your head and in the news, and in your bank account. It is an invitation for you to look in the mirror and reflect on your own relationship with money. Earning and spending, saving and giving, borrowing and investing; no choice is neutral. Every dollar has an impact. That's how you create Change From Your Dollars."In person, Brett is a man of few words and a lot of action. I was one of the teens he writes about that needed a ride home. I grew up with barriers like that, but now I travel the world sharing my gift. He lived out the lessons he taught us. With compassion, wit, and tact he saw my adversity back then and still challenged me to build an accomplished life." - Khari Turner, artist"Brett translates the language of money into value systems which is critical in financial education and empowerment for me as an autistic person. I am a business owner, a creative, and an activist. Brett's work helps me to create meaning from money and connects the dots for the perspective I need."- Moorea Seal, author/designerFind out more about how you can create Change From Your Dollars by visiting www.changefromyourdollars.com

¿¿¿¿ Unleash Your Inner Money Maestro with "Low-Income Savings Challenges"! ¿¿¿¿Take off on a money-saving journey unlike any other with our highly effective "Low-Income Savings Challenges!" This book is your ticket to financial freedom on a small budget and much more!Enter a world where thrift becomes your secret weapon and every dollar matters. In our fun challenges, we'll take you on an exciting adventure to transform spare cash into a revolution in personal finance. Who says it's not enjoyable to save money? ¿¿¿¿ What to Expect: We want to make saving fun not a chore, so in this book, you will find lots of different ways to save. From money bingo to dollars in days, timed challenges, fund pages, roll the dice and envelope savings and we have something for everyone! You will find challenges for all budgets and ages, so the whole family can get involved. ¿¿¿¿ Budget-Friendly Brilliance: The book has been designed with low income challenges in mind, however with plenty of customizable pages you can save as much as you like, the sky is the limit!¿¿¿¿ Saving Shenanigans: Buckle up for a savings rollercoaster! Engage in interactive challenges, playful games, and delightful exercises that will turn your savings journey into a fun adventure.¿¿¿¿ Financial Freedom for All: With challenges from 30 days through to a year, and from as little as $30 there really is something for everyone. Simply decide which challenge suits your needs and start there. ¿¿¿¿ 100 bonus money-saving tips: At the end of the book you will find a bonus section with 100 money saving tips, with space for you to add in your own. So along with the challenges in the book, you can use the tips to really boost your savings! Order your copy today ¿¿¿¿¿¿¿¿

Diane Watson is an award-winning, distinguished financial advisor, entrepreneur, and the passionate founder of 'She Can Prosper.' With an unshakable belief in empowering women to achieve financial independence, Diane has dedicated her career to guiding individuals towards a secure and prosperous future. Like most people, Diane has faced significant obstacles in life. She wasn't born into a wealthy family and had very little money when she left university. But through the financial lessons her mother had shared with her, she was driven to achieve as much as possible. Diane has taken big but educated risks, from house relocations to setting up her first business.Her view is that you can afford to take risks if you stay informed and remain continually aware of what's going on around you. Through her work as a financial advisor, she witnessed far too many women abdicating responsibility for their finances to their partners. The realisation was that women who did not take control of their finances were being left vulnerable and potentially severely impacted later in life. Their lack of knowledge or input into shaping their financial future was the catalyst to write this book. Following an easy-to-read step-by-step process, this book explores -· What does prosperity mean today?· The life stages of prosperity and how to plan your financial future. In an easy-to-navigate format, this covers all the steps you need to take in your 20's, 30's, 40's and 50's.· The steps to building prosperity include budgeting skills, building your credit score, dealing with debt, saving, investing and creating a retirement plan.· Protecting your prosperity: Why critical illness, income protection and life cover should be an important consideration. The importance of writing a will and lasting power of attorney.· Your money and your relationships: Recognising the signs of financial abuse, dealing with separation and divorce, teaching your children good money habits.· Business Finances: advice and tips when you run your own business.· Creating a Prosperous Mindset: Exploring why your background and childhood can influence your relationship with money. Background and Childhood Influence Your Relationship· Improving Your Money Mindset: How to start to develop positive financial habits.· Critical advice when considering working with a financial advisor. · Your Personal Finance Top 10 Checklist· A resource section shares websites, books and podcasts on personal finance. The book aims to provide women of all backgrounds with the knowledge, tools, and support they need to take control of their financial destinies. This book shares not only Diane's insights and advice on the importance of financial education but also the stories of women who have successfully achieved their financial goals and those who made serious errors of judgment. Diane is driven to share this fundamental message: financial empowerment is the key to unlocking all the opportunities life has to offer. If you want clear advice to help you start creating a financial plan leading to a long-term wealth plan, this book is the place to start.

Are you sick of losing sleep over money?Do you feel stuck living paycheck to paycheck?Do you want to retire early, but have no idea how? Cori Arnold answered yes to these three questions a decade ago, but she had little hope. Her debt totaled $260,000, including $140,000 in student loans and $22,000 in credit cards. Her net worth was negative $99,000. After two major turning points, she figured it out. She changed everything. She paid off her debt in 5 years and became a millionaire in 10 years. Win with Your Money shares Cori's journey, and more importantly, shares every lesson she learnt along the way. Don't fall for the same, common mistakes she made. Save your money, time, and heartache by learning through someone who's already been there. Gain insights to adopt the millionaire mindset, learning how to:Create your path to financial independence.Pay off debt.Grow your wealth.Gain financial confidence.Conquer your emotions with money.

Dieses Buch ist mindestens eine Million Euro wert und kostet weniger als zehn Euro. Wenn das kein gutes Preis-Leistungs-Verhältnis ist?

Ce livre est fait pour vous si la routine « métro-boulot-dodo » ne vous convient pas, si vous pensez qu'une autre solution existe et vous souhaitez acquérir votre liberté financière.Vivre sans travailler est un rêve pour beaucoup de personnes prises au piège de ce qu'on appelle la « rat race ». Sortir de cette routine infernale pour mieux vivre, mieux consommer et apprendre à investir pour acquérir peu à peu votre liberté financière, tel est le défi que je me suis fixé avec cet ouvrage.Loin des rêves utopistes et autres concepts marketing vantant des formules miracles pour devenir riche en 5 jours, ce livre vous sera utile si vous êtes prêt à vous investir pleinement dans cet objectif ainsi qu'à faire ce qui est nécessaire pour y parvenir.

You work hard serving your country. Let your military money work hard for you.In this practical guide, Air Force Major Spencer C. Reese, founder of the popular personal finance site MilitaryMoneyManual.com, offers invaluable tips and tricks to help service members reach financial independence.A must-read for any service member, this comprehensive personal finance book covers the fundamentals of saving money while serving and how to take advantage of the unique financial perks available to military members. Reese offers invaluable advice on topics such as how to:Budget, save money and build wealth while servingTake advantage of unique perks available only to service membersGet fee waivers on high-end credit cards to earn money and points for travelUse tax-deferred savings plansInvesting and planning for the futureFinancial self discipline This practical financial roadmap is for service members of all ranks, branches and income levels. Whether you're a new cadet, active duty or reserve, this financial guidebook is essential reading to gain more control over your finances. With a down to earth tone and easy to understand language, The Military Money Manual shows readers that yes, it IS possible to reach financial freedom while serving in the military. "Every ROTC Detachment should make this book part of their syllabus for senior cadets." - Ryan M.

In seinem Buch "Der Wandel des Geldes" gibt der Autor einen fesselnden Einblick in die Zukunft des Zahlungsmittels und die damit verbundene ökonomische Transformation. Als ehemaliger Softwareentwickler für Banken in Frankfurt und Zürich konnte der Autor hautnah miterleben, wie Banken mit unserem Geld spekulieren und dabei eine große Derivate-Blase erschaffen. Diese Blase birgt das Risiko eines Zusammenbruchs, was wir bereits bei Ereignissen wie der Insolvenz von Lehman Brothers oder der Enteignung auf Zypern gesehen haben, als Menschen plötzlich keinen Zugriff mehr auf ihre Gelder hatten.Motiviert durch seine Erfahrungen und persönlichen Umstände beschäftigt sich Autorin diesem Buch mit dem dringenden Handlungsbedarf in Bezug auf das aktuelle Geldsystem. Durch sein Studium und seine Erfahrungen im Bereich Human Computer Interaction Design und User Experience (UX) entwickelte er eine App, die auf einem zeitbasierten Geldsystem basiert und innovative Möglichkeiten des Bezahlens eröffnet.Inspiriert von der Lektüre des Buches "2020 - Die neue Erde" von Jesus Bruder Bauchi, in dem eine positive Zukunftsvision gezeichnet wird, begibt sich der Autor auf die Suche nach Antworten auf wichtige Fragen. Warum hat er als ehemaliger Schlosser über 35 Jahre als Softwareentwickler gearbeitet? Warum hat er Grafikdesign und Human Computer Interaction Design studiert? Warum hat er eine spirituelle Entwicklung durchlaufen und engagiert sich in Yoga und Tantra-Massage-Workshops? Warum sieht er dystopische Entwicklungen, ähnlich wie in George Orwells "1984", vor seinen Augen? All diese Fragen und die daraus resultierenden Erkenntnisse werden in diesem Buch beleuchtet."Der Wandel des Geldes" richtet sich an Leserinnen und Leser, die daran glauben, dass die Schaffung von Geld in den Händen der Menschen liegen sollte, anstatt den Zentralbanken die Kontrolle über die Geldmenge zu überlassen und somit eine mögliche Inflation zu riskieren. Das Buch spricht auch jene an, die sich um ihre Privatsphäre sorgen und nicht möchten, dass ihre Zahlungen von Behörden überwacht werden. Des Weiteren warnt der Autor vor der möglichen Einführung eines Social-Credit-Systems, ähnlich dem in China, das Diskriminierung und Kontrollverlust befürchten lässt.Zusätzlich erhalten Softwareentwickler eine Schritt-für-Schritt-Anleitung, wie sie Plugins für die Shift-App entwickeln können. Die App ist Open Source und bietet somit die Möglichkeit zur aktiven Weiterentwicklung durch die Community.

This book is designed for Financial Peace University® dropouts or those FPU graduates who need a little direction. If your Debt Snowball is Melting, your Emergency Fund needs to go to the ER, or if you tripped while trying to take some baby steps, then maybe this book can help.

Is someone you know thinking about moving to a retirement community? - These facts, suggestions, and narratives show you what to expect. -Loving Life in a Life Plan Community tells how to investigate, choose, and live in a Life Plan Community (LPC, also called a CCRC). Filled with details, advice, and stories, these pages show how you can live with dignity, independence, and health care for the rest of your life.It discusses housing options, makes suggestions about choosing a community, gives downsizing tips, and explores the future of LPCs. It also explains costs and contracts, the meaning of lifetime health services , and the business side of LPCs.Loving Life in a Life Plan Community lets you eavesdrop on dozens of conversations that reveal thoughts of life, love, relationships, work, and endings. It explores the intricacies of making one of the most significant decisions a family will ever face. The tone is friendly and knowledgeable. "The stories remind me of people I know. I'd fit right in!" "All the information about money was an eye-opener for me.""I hadn't realized how many housing options seniors have." "This book makes me feel ready to move into Senior Living."

A comprehensive guide to the inheritance tax laws of the United States, with a focus on how they apply to non-resident investors. The author, Hugh Bancroft, provides clear and concise explanations of the complex rules and regulations, along with practical tips and strategies for minimizing your tax liability. This book is an essential resource for any investor or financial planner.This work has been selected by scholars as being culturally important, and is part of the knowledge base of civilization as we know it.This work is in the "public domain in the United States of America, and possibly other nations. Within the United States, you may freely copy and distribute this work, as no entity (individual or corporate) has a copyright on the body of the work.Scholars believe, and we concur, that this work is important enough to be preserved, reproduced, and made generally available to the public. We appreciate your support of the preservation process, and thank you for being an important part of keeping this knowledge alive and relevant.