How can you connect the children in your class to a source of spiritual strength that will support them through difficult situations, family problems, peer pressure, and the extreme competitiveness they will encounter in the academic, social and business worlds? How can you as a Christian adult share with your students the experiences, the fulfillment and the blessings that have come to you through your life of faith?This book will help you plan and implement a complete and rewarding Sunday school experience for children of any age. Whether you are a seasoned teacher or an inexperienced beginner, you will find valuable suggestions for:* organizing your time* customizing and teaching a Christian curriculum* managing your class* creating bonds of friendship* fostering spiritual and personal growth* delighting and entertaining your students so that they will want to keep coming back. You will find more than 100 age-appropriate projects and activities that can be carried out with a minimum of preparation time and expense. Learn about the many resources available to you at little or no cost. Detailed instructions explain how to use your computer and the Internet to create lessons and games that will capture your students' interest. Links to all the websites referenced in this book, printable downloads of worksheets and patterns, and even more ideas area are available on a companion blog, Sunday School Activities (http://maedam.wordpress.com).As a Sunday school teacher you are providing a valuable service to your students and to their families. You may be the single greatest influence outside the family, shepherding a child into maturity and personal fulfillment. The person who benefits the most will probably be yourself; the more you invest in your class, the more spiritual nourishment you will discover for yourself, and the closer you will come to God in your daily life.

101 Sunday School Activities on a Tiny Budget: Personal Enrichment, Spiritual Growth, Fellowship and Fun

Religion & Spirituality

Maeda, Martha

Christian Books & Bibles

CreateSpace Independent Publishing Platform

According to a recent study by the National Center for Education Statistics, an estimated 65 percent of recent college graduates are burdened by student loans. Although the average debt is $19,000, loans can exceed $50,000 and may be much higher for those who attend graduate school, law school, or medical school. Many students, faced with the task of repaying such a large amount of money, become overwhelmed merely thinking about it. But, using this new book, you can learn how to eliminate your student loans and be debt free. In this exhaustively researched book, you will learn everything you need to know about student loans, including grace periods, deferment, forbearance, interest rates, co-signors, exit counseling, prepayment, discharges, cancellation, default, and much more. You will create a repayment schedule; understand the various repayment options, such as graduated repayment, level repayment, income-sensitive repayment, extended repayment, serialization, and income-contingent repayment; and be able to choose the appropriate plan for your unique situation. Additionally, you will learn how to save money through consolidation, how to secure the best interest rate, how consolidating can improve your credit score, how to use lender incentive programs to save money, and how to lower interest rates. Whether you are a current student looking to get a jumpstart on repayment or you are a recent graduate trying to wade through the letters you are receiving from your lenders and consolidation companies, How to Wipe Out Your Student Loans and Be Debt Free will be an indispensable companion. Atlantic Publishing is a small, independent publishing company based in Ocala, Florida. Founded over twenty years ago in the company president’s garage, Atlantic Publishing has grown to become a renowned resource for non-fiction books. Today, over 450 titles are in print covering subjects such as small business, healthy living, management, finance, careers, and real estate. Atlantic Publishing prides itself on producing award winning, high-quality manuals that give readers up-to-date, pertinent information, real-world examples, and case studies with expert advice. Every book has resources, contact information, and web sites of the products or companies discussed. This Atlantic Publishing eBook was professionally written, edited, fact checked, proofed and designed. The print version of this book is 288 pages and you receive exactly the same content. Over the years our books have won dozens of book awards for content, cover design and interior design including the prestigious Benjamin Franklin award for excellence in publishing. We are proud of the high quality of our books and hope you will enjoy this eBook version.

How to Wipe Out Your Student Loans and Be Debt Free Fast: Everything You Need to Know Explained Simply

Business & Money

Personal Finance

Atlantic Publishing Group, Inc.

Starting and running your own small business can prove a daunting task. Dozens of details must be tended to, and you are required to complete a book’s worth of forms and agreements from a slew of various agencies and organizations. Considering the Small Business Association’s estimate that more than half of small businesses fail within their first year, you’ll need all the help you can get. Put yourself on the winning side of the statistics with The Encyclopedia of Small Business Forms and Agreements. This convenient book provides small business owners with ready-to-use checklists, worksheets, forms, contracts, and human resource documents all in one small place. Inside these pages, you will find more than 250 essential documents for all your hiring, firing, intellectual property, Internet, technology, legal, merger, acquisition, money, fundraising, sales, marketing, and starting-a-business needs. With its professionally organized, easy-to-read format, this book takes you step-by-step through the valuable forms, which may be easily printed out and customized thanks to the convenient companion CD-ROM. Hundreds of easy-to-implement tools, contracts, forms, and checklists, such as letters of intent, rental agreements, operating expense worksheets, potential location checklists, and sample job descriptions will help you organize your business and make it easier to manage while increasing your bottom line. The companion CD-ROM is included with the print version of this book; however is not available for download with the electronic version. It may be obtained separately by contacting Atlantic Publishing Group at sales@atlantic-pub.com Atlantic Publishing is a small, independent publishing company based in Ocala, Florida. Founded over twenty years ago in the company president’s garage, Atlantic Publishing has grown to become a renowned resource for non-fiction books. Today, over 450 titles are in print covering subjects such as small business, healthy living, management, finance, careers, and real estate. Atlantic Publishing prides itself on producing award winning, high-quality manuals that give readers up-to-date, pertinent information, real-world examples, and case studies with expert advice. Every book has resources, contact information, and web sites of the products or companies discussed.

The Encyclopedia of Small Business Forms and Agreements: A Complete Kit of Ready-to-Use Business Checklists, Worksheets, Forms, Contracts, and Human Resource Documents With Companion CD-ROM

Education & Reference

In recent years, stock market and traditional investing have proven unstable and not very rewarding as many investors have watched their retirement and personal holding accounts dwindle or even collapse. Banks close, stock markets crash, and returns diminish. Want a safer bet for your hard-earned money? Try private mortgage investing. Private mortgages investing has grown into a multi-billion dollar industry, becoming an important fixed-income vehicle for many investors with their personal funds, equity, and self-directed IRA accounts. Private mortgage investing is not for the get-rich-quick type of person but is proof that good things come to those who wait; you can comfortably double your money every four to six years. This market allows investors to earn substantially higher yields — while offering the security of real property to back the loan. Whether you are an experienced real estate pro, new to investing, interested in diversifying your portfolio, or simply tired of trusting stockbrokers and fund managers with your money, this book is for you. Private Mortgage Investing offers an alternative to traditional forms of investment. This comprehensive guide provides detailed information on how to put your money to work in a relatively safe investment with a high return of 12 to 15 percent (or more) in most cases, compared to just 2 percent with most banks. Learn to “be the bank” and take control of your investment destiny. Start with the basics of private mortgage investing, including what exactly it is and how it differs from traditional forms of investment. You will learn how to work with mortgage brokers, how to construct an amortization schedule, and how to discern worthy borrowers from risky investments and protect yourself from loss. You will also learn the pros and cons of going it alone versus forming a partnership, the ins and outs of tax code, and the advantages and disadvantages of owning private real estate from your IRA. This book will lead you through conversations when approaching mortgage holders and how to establish trust from both banks and borrowers. Learn the value of holding a presentation for a group of potential borrowers, as well as how to calculate a prime loan-to-value ratio to get the best returns on your investment. In addition, this book will lead you step by step through the process of inspecting and updating a property. Like any business or investment, there are many details to learn, but you do not need to learn them on your own. We spent hundreds of hours interviewing real estate experts so you have all the resources and information you need right at your fingertips. Updated to reflect the recent housing and subprime mortgage-lending crisis, Private Mortgage Investing will lead you step by step through the different scenarios involved in private mortgage investment and is full of tips, testimonies, and case studies to help you get the most from your money. Even in this economic environment of very low interest rates, you can still earn high yields with virtually little or no risk to your investment. This book shows you how. Atlantic Publishing is a small, independent publishing company based in Ocala, Florida. Founded over twenty years ago in the company president’s garage, Atlantic Publishing has grown to become a renowned resource for non-fiction books. Today, over 450 titles are in print covering subjects such as small business, healthy living, management, finance, careers, and real estate. Atlantic Publishing prides itself on producing award winning, high-quality manuals that give readers up-to-date, pertinent information, real-world examples, and case studies with expert advice. Every book has resources, contact information, and web sites of the products or companies discussed. This Atlantic Publishing eBook was professionally written, edited, fact checked, proofed and designed. The print version of this book is 336 pages and you receive exactly the same content. Over the years our books have won dozens of book awards for content, cover design and interior design including the prestigious Benjamin Franklin award for excellence in publishing. We are proud of the high quality of our books and hope you will enjoy this eBook version.

Private Mortgage Investing: How to Earn 12% or More on Your Savings, Investments, IRA Accounts, & Personal Equity, Revised 2nd Edition

Clark, Teri B

Tabacchi, Matthew Stewart

Finance

Atlantic Pub Co

Bonds have long been a stalwart of investment. More than $100 billion was invested in municipal bonds alone in 2006. Now, with the economy a little less certain than it has been in recent decades, the demand for a secure place to invest money has lead to resurgence in interest in the use of bonds for many investors. Because there are many peculiarities in bond investment, you must have a basic understanding of the market, the bond issuer, how to measure rates of return and how to maximize those rates. This book provides anyone who has never invested in bonds before the ideal handbook to start investing in and earning massive returns from bonds. You will learn everything the savvy investor needs to effectively turn a high risk portfolio into a constantly growing, steadily developing source of wealth. You will learn how bonds operate on a very basic level, including the numerous different kinds of bonds and how bond funds can be a highly lucrative option. You will learn the fundamental differences between government, municipal, and corporate bonds and how much of a return you can expect from each. You will learn the basic methods of valuation and yield that bonds are measured by and how you can evaluate bonds with three basic steps. You will be guided through determining the face value, coupon rate, and sale price of a bond, as well as the ratings, insurance, maturity, callability, and taxes that might be associated with it. The importance of interest rates, inflation, and supply and demand in affecting the yield of your bonds will be detailed as well to ensure you make a careful investment. In addition to a comprehensive guide on the many options and methods of investing in bonds, dozens of interviews with financial gurus from around the nation have been conducted to provide critical, real world advice on how to successfully invest your money into bonds. You will be shown the risk free methods by which to invest in bonds, making low interest returns on U.S. government bonds, as well as the higher risk methods that will allow you to make great returns by investing in industrial and corporate bonds. You will learn how to look overseas for even more lucrative options and how to measure the risk of your bonds based on the debt in which you are investing and the callability of any one bond issuer. You will be shown how to effectively balance your portfolio to include bonds without ignoring the necessity and place for other investments. For any investor who has been agonizing over how to safely invest money for a high return, this book is for you, guiding you through the complex, but rewarding, world of bond investments. Atlantic Publishing is a small, independent publishing company based in Ocala, Florida. Founded over twenty years ago in the company president’s garage, Atlantic Publishing has grown to become a renowned resource for non-fiction books. Today, over 450 titles are in print covering subjects such as small business, healthy living, management, finance, careers, and real estate. Atlantic Publishing prides itself on producing award winning, high-quality manuals that give readers up-to-date, pertinent information, real-world examples, and case studies with expert advice. Every book has resources, contact information, and web sites of the products or companies discussed. This Atlantic Publishing eBook was professionally written, edited, fact checked, proofed and designed. The print version of this book is 336 pages and you receive exactly the same content. Over the years our books have won dozens of book awards for content, cover design and interior design including the prestigious Benjamin Franklin award for excellence in publishing. We are proud of the high quality of our books and hope you will enjoy this eBook version.

The Complete Guide to Investing in Bonds and Bond Funds How to Earn High Rates of Return Safely

Investing

When the Roth IRA was introduced in the 1990s it was widely hailed as a great way for individuals to increase their retirement holdings by paying the taxes before the money was invested into their IRA accounts. In 2006, the Roth IRA was made permanent by the Pension Protection Plan along with the increased contribution limits. Today, the Roth family of retirement options is a great way for anyone to start putting away money for their future without worrying about paying taxes on their money more than once. However, for your Roth IRA or Roth 401(k) to effectively grow and provide for you when you reach retirement, you need to understand how to manage your investments and fully take advantage of this popular method of saving. This book is written for the everyday investor who already has a Roth IRA and desires more knowledge or for the individual seriously considering a Roth account. Those who want to put away money so they can retire with enough to be well protected and prepared for anything will benefit from the extensive research on these investments and the helpful case studies distributed throughout the book. You will learn why the federal government enacted the new Roth rules in the mid-1990s, what your different Roth options are and all the ways you can invest the money—from stocks and real estate to bonds and mutual funds. You will learn the fundamental basics of investing in an IRA and how to start making investment choices, from researching companies and funds to settling into a long term investm ent. You will learn how to maintain a positive working relationship with your administrator and what you will need to do to make your tax payments to the IRS. Top financial experts who specialize in Roth IRAs have been consulted and their expertise compiled here to provide you with the necessary information you need to learn how to effectively invest in your retirement accounts. You will learn how to put limits on your investments and to manage your risk effectively from now until you retire as well as how to stretch your accounts as needed. You will learn the ins and outs of researching and choosing mutual funds and why your decisions now do not mean everything for the rest of your life but should still be made carefully. If you are 21 or 65, this book can help you maximize the results of your Roth accounts and teach you tricks and tips to getting the most out of your investment. Atlantic Publishing is a small, independent publishing company based in Ocala, Florida. Founded over twenty years ago in the company president’s garage, Atlantic Publishing has grown to become a renowned resource for non-fiction books. Today, over 450 titles are in print covering subjects such as small business, healthy living, management, finance, careers, and real estate. Atlantic Publishing prides itself on producing award winning, high-quality manuals that give readers up-to-date, pertinent information, real-world examples, and case studies with expert advice. Every book has resources, contact information, and web sites of the products or companies discussed. This Atlantic Publishing eBook was professionally written, edited, fact checked, proofed and designed. The print version of this book is 336 pages and you receive exactly the same content. Over the years our books have won dozens of book awards for content, cover design and interior design including the prestigious Benjamin Franklin award for excellence in publishing. We are proud of the high quality of our books and hope you will enjoy this eBook version.

Retire Rich With Your Roth IRA, Roth 401(k), and Roth 403(b) Investment Strategies for Your Roth IRA Explained Simply

The current economic climate is dim for many Americans it forecasts potential recession, trouble for homeowners, and increasing personal and credit card debt. According to Federal Reserve estimates, that credit card debt is already in the trillions of dollars and rising each year. So, what can you do about it without immediately resorting to bankruptcy eliminating the entirety of your finances for years to come? It's a tough question to answer and one that many are faced with regularly, but there are ways to handle these debts legally without reaching for the extreme, final measure that we all dread so much. This book was written to provide every individual who is standing at the precipice of too much debt with the tools they need to settle that debt legally without ruining themselves forever. You will learn everything you need to know about the basics of debt, including what the various kinds secured, unsecured, personal, business, and tax debt entail and how they affect you. You will learn what happens to you when you don't pay, both legally and socially, and what your first steps should be on the road to repairing your debt. You will learn how to assess your overall risks and what your options are with your creditors. You will learn what vulnerabilities your debt collectors have legally and what you can do to legally challenge the validity of your debt. You will learn how to deal with bill collectors and how to create a line of communication that is two ways and not reliant solely on them making demands. Top financial experts, bill collectors, and one-time debt owers have been contacted and interviewed for this book and their interviews have been included here to provide a complete outline of what you can expect when you try to settle your debt. You will learn how to start negotiating settlements with your creditors and what specific things you can and cannot do when dealing with them. You will learn the variety of debtor's rights that exist and why they are never told to you, including details about the Fair Debt Collection Practices Act and how this act is legally enforced. For anyone who has ever spent the better part of their life dodging calls from creditors or trying to figure out how to pay those bills next month, this book will be the tool you need to understand how to tackle and deal with your debt. Atlantic Publishing is a small, independent publishing company based in Ocala, Florida. Founded over twenty years ago in the company president’s garage, Atlantic Publishing has grown to become a renowned resource for non-fiction books. Today, over 450 titles are in print covering subjects such as small business, healthy living, management, finance, careers, and real estate. Atlantic Publishing prides itself on producing award winning, high-quality manuals that give readers up-to-date, pertinent information, real-world examples, and case studies with expert advice. Every book has resources, contact information, and web sites of the products or companies discussed. This Atlantic Publishing eBook was professionally written, edited, fact checked, proofed and designed. The print version of this book is 288 pages and you receive exactly the same content. Over the years our books have won dozens of book awards for content, cover design and interior design including the prestigious Benjamin Franklin award for excellence in publishing. We are proud of the high quality of our books and hope you will enjoy this eBook version.

How to Legally Settle Your Personal Credit Card Debt for Pennies on the Dollar Without Filing Bankruptcy

Now more than ever, the question of economic and environmentally friendly energy sources has become a hot topic in almost every American home. With that in mind, more and more people are turning to alternatives such as solar power as a means of saving money and reducing their imprint on the environment. This nearly carbon neutral method comes with hefty tax rebates from the federal government and in states like California and New Jersey massive rebates from the state. More states are considering similar rebates and with a 3 to 8 year energy savings possible according to a recent report by the New York Times, it is an ideal solution for anyone looking to save money in the long term and help the planet immediately. This book will guide anyone interested in the process of installing and utilizing solar power for their home in the process of searching for, buying, or building their own solar power system. Learn how solar power and other alternative energy sources can help to save the world regardless of the cost and how you can start surveying your own energy use and efficiency. Learn how you can start making basic adjustments to become more efficient and how solar power can help you before you start any major projects. Learn what solar power requires, from cost and equipment to maintenance and preparation in certain times of the year. Learn how solar power works and how to start evaluating the potential of it for your building needs. Take the cost of installing solar power and learn how long it will take to make money back on your investment, including information on federal and state rebates that might affect you. Multiple individuals who have successfully installed solar power in their homes have been interviewed and their experiences included in this guide to help you learn what others go through and how they came out. Learn how the installation process works and how it can be done in your landscape, in small projects, for heating and purifying water, swimming pool heating, and other smaller projects. Learn about how individuals construct solar power systems on their own to save money and what is involved in a full PV system. Finally, learn how the market for green homes has made it possible to extract a huge return on investment from building or remodeling a home with solar power. For anyone who has ever considered solar power as a viable means to save money and the environment, this guide will help you get started right away.br&gt; Atlantic Publishing is a small, independent publishing company based in Ocala, Florida. Founded over twenty years ago in the company president’s garage, Atlantic Publishing has grown to become a renowned resource for non-fiction books. Today, over 450 titles are in print covering subjects such as small business, healthy living, management, finance, careers, and real estate. Atlantic Publishing prides itself on producing award winning, high-quality manuals that give readers up-to-date, pertinent information, real-world examples, and case studies with expert advice. Every book has resources, contact information, and web sites of the products or companies discussed. This Atlantic Publishing eBook was professionally written, edited, fact checked, proofed and designed. The print version of this book is 336 pages and you receive exactly the same content. Over the years our books have won dozens of book awards for content, cover design and interior design including the prestigious Benjamin Franklin award for excellence in publishing. We are proud of the high quality of our books and hope you will enjoy this eBook version.

How to Solar Power Your Home: Everything You Need to Know Explained Simply (Back to Basics)

Science & Math

Technology

In today’s economy and in response to the growing awareness of how much damage has been done to the environment in the past, people cannot afford to delay considering ways they can build or remodel their homes to ensure they are green and resource-friendly. This book will guide you and your family through the process of learning more about and implementing the necessary changes to a new, green lifestyle. Discover why people have started to build green and how it can be done in today’s market quickly and inexpensively. You will learn how to remodel with green in mind and how to start working with building professionals who can provide the necessary materials, plans, and paperwork you need to proceed. Your Guide to Green Building will cover which materials are best for green building and how to choose between all the choices. You will learn how to not only use these materials but also how to make sure the construction process is green as well. The basics of framing your building, natural building methods, the energy systems you might use, and the heating/cooling options at your disposal are all here, right at your fingertips. Construction and environmental experts have been interviewed, and their expertise is included in this book to help you complete your green dream home, as well as know what kinds of water and waste systems are best, how to site plan and landscape your home, and what the most common myths about green building are. You will learn ten things you can do on any building project to keep it green and any materials you should always have on hand for anything you do around the house. Regardless of whether you are just looking to remodel to make your house greener or are building a new home, this book will give you everything you need to stay green and respect the environment in every aspect of your life.Atlantic Publishing is a small, independent publishing company based in Ocala, Florida. Founded over twenty years ago in the company president’s garage, Atlantic Publishing has grown to become a renowned resource for non-fiction books. Today, over 450 titles are in print covering subjects such as small business, healthy living, management, finance, careers, and real estate. Atlantic Publishing prides itself on producing award winning, high-quality manuals that give readers up-to-date, pertinent information, real-world examples, and case studies with expert advice. Every book has resources, contact information, and web sites of the products or companies discussed. This Atlantic Publishing eBook was professionally written, edited, fact checked, proofed and designed. The print version of this book is 336 pages and you receive exactly the same content. Over the years our books have won dozens of book awards for content, cover design and interior design including the prestigious Benjamin Franklin award for excellence in publishing. We are proud of the high quality of our books and hope you will enjoy this eBook version.

The Complete Guide to Green Building & Remodeling Your Home Everything You Need to Know Explained Simply (Back-To-Basics)

Crafts, Hobbies & Home

Sustainable Living

Goats have been used for their dairy products for hundreds of years, providing a wide array of milk, butter, yogurt, and cheeses that provide the unique flavors that make Mediterranean cuisine so special. For those who are interested in raising their own dairy goats so they can take advantage of the milk products provided, it is important to first of all learn everything possible about dairy goats, from what they eat to how they breed and how to cultivate and harvest the milk when the time comes. This book provides every detail you could possible need to become a dedicated or hobbyist dairy goat breeder and farmer. You will learn how goats are raised for different purposes, including as dairy goats, fiber goats, and as a means to maintain property. You will learn how to select the right breed of goat and how to know what to look for in a specific goat. You will also learn about how to start the process of breeding goats, including the care for the mother, separation of the father, and the necessary care for the kid once it is born. You will learn how to properly house goats and what they require from you to remain healthy and happy, both in their feed and their space. Expert goat farmers have been interviewed and have provided their insight and expertise on the topic, building a collection of insights of tips and tricks about raising dairy goats. You will learn how to care for your dairy goats and what special treatment or care they require from you. You will also learn what you need to provide for the dairy goats to produce as much milk as possible. Finally, you will learn how to gather the milk from the dairy goats and how to both process and sell it to maintain your business. For anyone who has ever been interested in raising goats for dairy production, this guide will offer you everything you need. Atlantic Publishing is a small, independent publishing company based in Ocala, Florida. Founded over twenty years ago in the company president’s garage, Atlantic Publishing has grown to become a renowned resource for non-fiction books. Today, over 450 titles are in print covering subjects such as small business, healthy living, management, finance, careers, and real estate. Atlantic Publishing prides itself on producing award winning, high-quality manuals that give readers up-to-date, pertinent information, real-world examples, and case studies with expert advice. Every book has resources, contact information, and web sites of the products or companies discussed. This Atlantic Publishing eBook was professionally written, edited, fact checked, proofed and designed. The print version of this book is 288 pages and you receive exactly the same content. Over the years our books have won dozens of book awards for content, cover design and interior design including the prestigious Benjamin Franklin award for excellence in publishing. We are proud of the high quality of our books and hope you will enjoy this eBook version.

How to Raise Dairy Goats Everything You Need to Know Explained Simply (Back-To-Basics)

Engineering & Transportation

Engineering

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