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Author: Karen Blumenthal
Publisher: Crown Currency
ISBN: 0307588742
Category : Business & Economics
Languages : en
Pages : 210
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Book Description
Three years after the economic meltdown began, many of us are still reeling from its devastating effects. Maybe you're among the millions of homeowners who fell behind on their mortgages or you lost your home to foreclosure. Maybe you lost your job and have struggled to find a new one, meanwhile struggling with a drastically reduced income. Or perhaps you're one of the roughly 1.5 million Americans filing each year for bankruptcy. Or maybe you emerged from the meltdown relatively unscathed, but you've been recently divorced or widowed. Now, along with all the other accompanying emotional hardships, you must deal with a household budget that is dramatically changed. Maybe you experienced an unexpected health crisis that drained your savings or retirement account. Or perhaps you've simply grown tired of having so much debt. As tough as these situations are, they aren’t hopeless.. You have options. When the old \ rules for managing your finances no longer apply, you can take control of your situation, wipe the slate clean, and start over. Here, in the accessible, empathetic, and easy-to-understand style the Wall Street Journal Guidebook series is known for, veteran WSJ personal finance reporter Karen Blumenthal walks you through everything you need to know to leave the past behind you and get your financial life back on track. This includes how to: -Build a trusted team of professionals to help you navigate your new financial landscape -Get your credit record - the support beam of your financial scaffolding - back in order -Recalibrate your budget and weigh your big ticket expenses -Determine whether you can afford to stay in your home -Adjust your debts to your new situation -Assess your health coverage and other necessary insurance -Invest for your future retirement and other needs -Craft a sustainable plan for long-term financial health Whether you're recently divorced or widowed, or have declared bankruptcy or lost your home to foreclosure, or simply want to start with a clean slate, you can make a fresh financial start. Covering housing, insurance, health care, investing, debt, taxes, wills, and more, this book shows readers at all life stages and income levels how to adapt and adjust their finances to their new circumstances and get on the path to a better financial life.
Author: Karen Blumenthal
Publisher: Crown Currency
ISBN: 0307588742
Category : Business & Economics
Languages : en
Pages : 210
Get Book Here
Book Description
Three years after the economic meltdown began, many of us are still reeling from its devastating effects. Maybe you're among the millions of homeowners who fell behind on their mortgages or you lost your home to foreclosure. Maybe you lost your job and have struggled to find a new one, meanwhile struggling with a drastically reduced income. Or perhaps you're one of the roughly 1.5 million Americans filing each year for bankruptcy. Or maybe you emerged from the meltdown relatively unscathed, but you've been recently divorced or widowed. Now, along with all the other accompanying emotional hardships, you must deal with a household budget that is dramatically changed. Maybe you experienced an unexpected health crisis that drained your savings or retirement account. Or perhaps you've simply grown tired of having so much debt. As tough as these situations are, they aren’t hopeless.. You have options. When the old \ rules for managing your finances no longer apply, you can take control of your situation, wipe the slate clean, and start over. Here, in the accessible, empathetic, and easy-to-understand style the Wall Street Journal Guidebook series is known for, veteran WSJ personal finance reporter Karen Blumenthal walks you through everything you need to know to leave the past behind you and get your financial life back on track. This includes how to: -Build a trusted team of professionals to help you navigate your new financial landscape -Get your credit record - the support beam of your financial scaffolding - back in order -Recalibrate your budget and weigh your big ticket expenses -Determine whether you can afford to stay in your home -Adjust your debts to your new situation -Assess your health coverage and other necessary insurance -Invest for your future retirement and other needs -Craft a sustainable plan for long-term financial health Whether you're recently divorced or widowed, or have declared bankruptcy or lost your home to foreclosure, or simply want to start with a clean slate, you can make a fresh financial start. Covering housing, insurance, health care, investing, debt, taxes, wills, and more, this book shows readers at all life stages and income levels how to adapt and adjust their finances to their new circumstances and get on the path to a better financial life.
Author:
Publisher: Pearson South Africa
ISBN: 9781770256064
Category : Employee motivation
Languages : en
Pages : 356
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Book Description
Author: Jim Henry
Publisher: Scholastic Inc.
ISBN: 9780590433730
Category : Education
Languages : en
Pages : 100
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Book Description
Journal-writing time becomes a fun-filled exercise with these fresh, fun, and skill-building topics. Invite kids to write about the antics of the classroom hamster or dealing with a toddler at the mall, and they'll be eager to get started. Activities include Little Paper Spelling Lessons, Help me Books, Chalkboarding Circled Words, Guess My Rule, and many more. Grades 1-2.
Author: Luann Budd
Publisher: InterVarsity Press
ISBN: 0830823379
Category : Religion
Languages : en
Pages : 191
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Book Description
Luann Budd offers to help you get started journaling, and she introduces you to the power of writing as a spiritual discipline through helpful tips and examples from her own journals.
Author: Mohammed Wasim Siddiqui
Publisher: Academic Press
ISBN: 0128165391
Category : Medical
Languages : en
Pages : 402
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Book Description
Fresh-Cut Fruits and Vegetables: Technologies and Mechanisms for Safety Control covers conventional and emerging technologies in one single source to help industry professionals maintain and enhance nutritional and sensorial quality of fresh-cut fruits and vegetables from a quality and safety perspective. The book provides available literature on different approaches used in fresh-cut processing to ensure safety and quality. It discusses techniques with the aim of preserving quality and safety in sometimes unpredictable environments. Sanitizers, antioxidants, texturizers, natural additives, fortificants, probiotics, edible coatings, active and intelligent packaging are all presented. Both advantages and potential consequences are included to ensure microbial safety, shelf-life stability and preservation of organoleptic and nutritional quality. Industry researchers, professionals and students will all find this resource essential to understand the feasibility and operability of these techniques in modern-day processing to make informed choices. - Provides current information on microbial infection, quality preservation, and technology with in-depth discussions on safety mechanisms - Presents ways to avoid residue avoidance in packaging and preservation - Includes quality issues of microbial degradation and presents solutions for pre-harvest management
Author: Vicente M. Gómez-López
Publisher: John Wiley & Sons
ISBN: 0813823846
Category : Technology & Engineering
Languages : en
Pages : 577
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Book Description
Attempts to provide safer and higher quality fresh and minimally processed produce have given rise to a wide variety of decontamination methods, each of which have been extensively researched in recent years. Decontamination of Fresh and Minimally Processed Produce is the first book to provide a systematic view of the different types of decontaminants for fresh and minimally processed produce. By describing the different effects – microbiological, sensory, nutritional and toxicological – of decontamination treatments, a team of internationally respected authors reveals not only the impact of decontaminants on food safety, but also on microbial spoilage, vegetable physiology, sensory quality, nutritional and phytochemical content and shelf-life. Regulatory and toxicological issues are also addressed. The book first examines how produce becomes contaminated, the surface characteristics of produce related to bacterial attachment, biofilm formation and resistance, and sublethal damage and its implications for decontamination. After reviewing how produce is washed and minimally processed, the various decontamination methods are then explored in depth, in terms of definition, generation devices, microbial inactivation mechanisms, and effects on food safety. Decontaminants covered include: chlorine, electrolyzed oxidizing water, chlorine dioxide, ozone, hydrogen peroxide, peroxyacetic acid, essential oils and edible films and coatings. Other decontamination methods addressed are biological strategies (bacteriophages, protective cultures, bacteriocins and quorum sensing) and physical methods (mild heat, continuous UV light, ionizing radiation) and various combinations of these methods through hurdle technology. The book concludes with descriptions of post-decontamination methods related to storage, such as modified atmosphere packaging, the cold chain, and modeling tools for predicting microbial growth and inactivation. The many methods and effects of decontamination are detailed, enabling industry professionals to understand the available state-of-the-art methods and select the most suitable approach for their purposes. The book serves as a compendium of information for food researchers and students of pre- and postharvest technology, food microbiology and food technology in general. The structure of the book allows easy comparisons among methods, and searching information by microorganism, produce, and quality traits.
Author: Lluís Palou
Publisher: CRC Press
ISBN: 1351805886
Category : Technology & Engineering
Languages : en
Pages : 776
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Book Description
Optimal distribution of fresh horticultural products entails prolonging their freshness and nutritional quality as long as possible after harvest. A major limitation to their marketing is decay after harvest, which is caused primarily by fungal pathogens. Postharvest Pathology of Fresh Horticultural Produce provides a comprehensive resource of information about the biology and control of postharvest diseases of many fresh horticultural products, citing sources from appropriate literature of any age, rather than only the most recent. The etiology and symptoms of postharvest diseases and the biology of postharvest pathogens are reviewed by leading experts, who are familiar with many of world’s most popular fresh fruits and vegetables and the diseases that affect them. Key aspects related to infection and epidemiology, methods to minimize postharvest decay losses, including use of conventional fungicides and alternative management strategies, harvest and handling practices, and other aspects are described for the most significant temperate, subtropical, and tropical fruits as well as fruit-like vegetables and leafy vegetables. Features: Provides comprehensive academic and practical reviews of postharvest diseases of fresh fruits and vegetables Discusses the economic importance, etiology, and epidemiology of the most significant postharvest diseases Includes quality color plates that allow the practical identification of disease symptoms Explains practical postharvest disease management actions, including the use of conventional fungicides and alternatives to their use The authors summarize a massive quantity of published information, and often apply their own considerable practical experience to identify and interpret the most significant information. This book is a valuable and comprehensive resource for industry professionals, academics, educators, students, consultants, pest control advisors, regulatory personnel, and others interested in this subject.
Author: Kenneth Mairel
Publisher: Xlibris Corporation
ISBN: 1514452375
Category : Bibles
Languages : en
Pages : 161
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Book Description
The message is in the story-My book is a collection of short stories, which are testimonies that God has done for me over the years. God would make an experience happen, then he wanted me,with the help of the Holy Spirit, to write the story exactly the way it happened. I can't add anything or leave anything out. The stories have a message in them from God. Some of the stories are like parables which is one way God can still communicate with us. I tried to put them in the order they happened when possible. God made everything happen in a certain order so you can see from the first one to the last one that they are leading somewhere. When you find a message in them for yourself it's yours, from God.
Author: Jeffrey Hoorfar
Publisher: Woodhead Publishing
ISBN: 1782420274
Category : Technology & Engineering
Languages : en
Pages : 475
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Book Description
Continuing food poisoning outbreaks around the globe have put fresh produce safety at the forefront of food research. Global Safety of Fresh Produce provides a detailed and comprehensive overview of best practice for produce safety throughout the food chain, and unique coverage of commercial technologies for fresh produce safety. Part one covers the production and regulation of fresh produce on the agricultural level, including issues of niche farm fresh products, FDA regulation, and zoonotic transfer of pathogens from animals to farm products. Part two moves on to look at safety and environmental issues surrounding fresh produce processing, such as postharvest washing, alternative sanitizers, and using produce waste as animal feed. Part three focuses on current and emerging commercial solutions for fresh produce safety, like ionizing radiation and edible coatings, and part four covers methods of laboratory testing and related legislation. The final section of the book covers a series of case studies of fresh produce safety breaches, including European E. coli outbreaks in sprouts and leafy greens, and the illegal use of fluorescent whitening agents (FWAs) in China. This book is an essential text for R&D managers in the fresh produce industry, quality control professionals working with fresh produce throughout the food chain, postgraduate students, and academic researchers with an interest in fresh produce safety. - Provides a comprehensive overview of best practice for produce safety - Examines the production and regulation of fresh agricultural produce - Looks at safety and environmental issues surrounding fresh produce processing
Author: Monika Kirner-Ludwig
Publisher: Routledge
ISBN: 1000319350
Category : Language Arts & Disciplines
Languages : en
Pages : 215
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Book Description
This book showcases new and innovative developments and approaches in pragmatics, spotlighting perspectives from an international range of emerging scholars undertaking cutting-edge research pushing the field in new directions. The volume begins by taking stock of the most up-to-date developments in pragmatics research, as embodied by the work of a newer generation of pragmaticists. Chapters are organized around key areas of development within pragmatics, including intercultural and cross-cultural pragmatics, cognitive pragmatics, and new perspectives on referencing, implicating, and inferring, shedding further light on the ways in which pragmatics increasingly interfaces with other linguistic disciplines and on innovative methodologies. The book also places the focus on pragmatics approaches in languages other than than English, further expanding the borders of research. This book will be of particular interest to scholars in pragmatics interested in staying on top of the latest developments and future directions for the field.
