Sentence Discounts and the Criminal Process: Ralph J Henham
Sentence Discounts and the Criminal Process: Ralph J Henham
Get on the Express for Discount Shopping Know How to Find Discounts, Get Coupons, and Save Money Shopping Online and Offline Want to save money while shopping? Of course you do! Why? Because nobody likes to find their wallet or purse flat-out empty from all the joy or necessity of shopping or suffer the consequences of endlessly swiping the plastic to the max on whatever they can get their hands on, then waiting for the wrath of the credit card bill to drop on their doorstep only to be filled with buyer´s remorse and now swimming in debt and hanging on the mercy of creditors. Finding bargains and deals may seem obvious - head to Google and click ´´Search´´, or go through the stack of mail and newspapers, hoping to grab some coupons - but there is far more to the process than people realize. Also, still think getting the best bang for your buck is exclusive at the big major retailers? Think again! That´s the perception they create for you to shop there in the first place. When stuff is perceived to be on sale, you just have to buy it, right? But are they really on sale? Because there are other secret underground mom-and-pop-like shops where less people know about that offer - and there are better outrageous deals. In order to save money shopping, you need to do what others don´t do and look where others don´t look...because whenever there is word of a gold mine, it will be over before anybody else has the chance to pick up a shovel. You need to approach discount shopping and bargain hunting from a different angle, like pro shoppers do. When you take the Discount Shopping Express, your destination includes: How to find discounts online and offline with advanced shopping strategies How to get coupons the way nobody else is doing and very few know about How to determine the best place to buy what... 1. Language: English. Narrator: KnowIt Express. Audio sample: http://samples.audible.de/bk/acx0/058481/bk_acx0_058481_sample.mp3. Digital audiobook in aax.
As a licensed insurance agent, I led my company as the #1 producer in the NATION for five consecutive quarters. I´ve sold thousands of car insurance policies in over 30 different states. Read my book before your next renewal. You have nothing to lose but your overpriced policy. Remember this: No matter how similar the title, there is only ONE consumer guide to saving money on car insurance that truly does what it promises–reveal the hidden discounts that you should be getting, but aren´t. Only a publishing professional who is also an insurance expert can give you information like: How is your car insurance rate determined? Knowledge is money in your pocket, because the more you know about how the rating process works, the less you will pay. You are looking for information that will help you save your hard-earned dollars, and you have found it. Ten Questions is not a book for ´´dummies,´´ but it is an easy to use, engaging, and informative guide, specifically designed to help save you money. It is absolutely guaranteed to do just that. If you do not find any benefit in Ten Questions, simply return it for a full refund, subject to retailer policy. Find out what the insurance companies don´t want you to know, like the fact that you can switch carriers any time you want, as often as you want. You do not have to wait until your current policy expires or renews in order to do so. Ten Questions isn´t about getting the cheapest policy at the cheapest price. It´s about getting the best policy at the best price, and here´s how: It will help you find and qualify for discounts.It will show you how to improve your rating tier, and lower your ´´base rate.´´It will help you allocate your premium dollars more effectively, so that you don´t spend money on coverages you don´t need or want. Learn the answers to the T... 1. Language: English. Narrator: Cole Niblett, Julie Seibel. Audio sample: http://samples.audible.de/bk/acx0/013787/bk_acx0_013787_sample.mp3. Digital audiobook in aax.
You believe God can still do miracles, but how do you know which stories are true? A blind man suddenly sees. A lame man gets up and walks. A little boy is raised from the dead. You believe the Biblical accounts that these miracles happened, but do you believe eyewitness reports that miracles still happen today? Between shady faith healers, weeping madonnas, and gimmicks like holy land water, it’s difficult - even foolish - to believe every miracle account we hear. So how do we discount the fakes without missing out on the real miracles in the process? Award-winning journalist Tim Stafford shares captivating stories of modern-day miracles, wrestling over what is credible and what isn’t. But more than that, he offers wisdom and insight to help you figure out the role miracles should play in your faith. Should you expect miracles? Ignore them? Pray for them? How active is God in the world today? And could he be more active in your own life? Learn how to explore these questions with wisdom and honesty, growing your faith and hope along the way. 1. Language: English. Narrator: Brandon Batchelar. Audio sample: http://samples.audible.de/bk/oasi/001076/bk_oasi_001076_sample.mp3. Digital audiobook in aax.
Johnny Buck is a young cowboy, working for the Bar W. In the process of roping an old stob-horned steer, Buck is thrown from his horse - and into a hidden cleft where he encounters the mystery of a murdered man and a bag of ore that just might be gold. The taciturn owner of the Bar W discounts Buck´s story of the ´´gold´´, but Buck soon finds that some of the shadier ranch hands are gunning for him. With a widow´s daughter, a lost mine, and a missing prospector in the balance, Buck has no choice but to solve the mystery - or die trying. 1. Language: English. Narrator: uncredited. Audio sample: http://samples.audible.de/pf/rand/001502/pf_rand_001502_sample.mp3. Digital audiobook in aax.
This book explores theoretical and practical implications of reflecting the fair value of liabilities for insurance companies. In addition, the contributions discuss the disclosure of these values to the financial and regulatory communities and auditing firms which are actually calculating this illusive but important variable. It combines contributions by distinguished practitioners from the insurance, accounting and finance fields, with those of prominent academics. One of the central themes of the collection is that adequate disclosure of the true economic value of insurance company liabilities is both possible and desirable. Wherever possible, the insurance valuation process is wedded with modern financial theory. For example, the use of option pricing theory is applied to insurance companies, where the true value of the firm´s liabilities is a critical variable. Methods such as cash flow, earned profit and indirect discount are explored.
We weigh every significant decision based on how it will affect our future. But when it comes to figuring that out, we mostly make the process up as we go along. While financial professional Peter Neuwirth can´t help you actually predict the future, he can offer a simple, systematic way to make much better guesses about it - and so make better decisions. Neuwirth offers an accessible, step-by-step guide to using the powerful concept of present value - which allows you to determine the value today of something that might happen in the future - to evaluate all of the outcomes that might arise from choosing one path as opposed to another. Using examples that anyone can relate to, Neuwirth walks you through the process. Your old refrigerator doesn´t work as well as it used to - should you buy a new one right away or muddle through for a while? You´re offered a great discount on a service you don´t need at the moment but eventually will - buy the service now or wait? With just a little math and some common sense, you can compare future costs and benefits with present costs and benefits and make ´´apples to apples´´ comparisons. This audiobook will be indispensable for anyone who has ever had to figure out whether to stick with an awful job or follow his or her bliss, fix that old car or buy a new one, increase 401(k) contributions or keep the same take-home pay, and a thousand other decisions. 1. Language: English. Narrator: Don Hagen. Audio sample: http://samples.audible.de/bk/gdan/001552/bk_gdan_001552_sample.mp3. Digital audiobook in aax.
Many people discount the impact that positive thinking can have on your life. Positive thinking works on a subconscious level and the brain is a powerful organ. The brain reacts to nerves and regulates the release of hormones into your body. These hormones can cause positive feelings and reward you for actions that improve your life. Positive thinking can therefore set you on a course for continued success and happiness and can therefore add to your overall quality of life as a result. It is one thing to understand the importance of positive thinking and another thing altogether to be able to implement a policy to set such a practice in motion. Many people need assistance in installing the practice of thinking positively and it is there that a positive thinking guide can help. A positive thinking guide can help to get a person started in different ways to think positively and can help to explain both how to view the world from an optimistic viewpoint and provide different examples of ways that you can do so. Examples include putting your problems in context and enjoying the challenge and process of improving your life an the outside world in a positive way. 1. Language: English. Narrator: Diane Ficarra. Audio sample: http://samples.audible.de/bk/acx0/025474/bk_acx0_025474_sample.mp3. Digital audiobook in aax.
For millions, the daily shopping experience has devolved from the resonant personal ritual of our memories and dreams to the boring zombie-like process we wander through daily. We´re wasting our time and money, at the cost of our patience, good will, and joie de vivre. The new entitlement of discount prices has driven out creative, customer-centric thinking, far more than is commonly believed. In Shopportunity!, highly respected business strategist Kate Newlin provides an insider´s view of how consumers´ needs and wants are researched, identified, and responded to at the manufacturing and marketing level of companies, and then systematically ignored by those same manufacturers and their retailers when it comes time to bring brands to market. Indeed, she demonstrates how one generation of marketers has addicted three generations of consumers to the heroin of price promotion and what it means to our waistlines, credit ratings, and life experience. From Wal-Mart to Shop-Rite to CVS and Home Shopping Network, Newlin will reveal what the world´s leading brands really know about us and how they ultimately sell the products we buy. Drawing on powerful reporting and her three decades as an insider, Newlin traces the tragic arc of the great freefall between what consumers want of their brand choices, what brands are able to deliver, and the torture retailers put consumers through in order to acquire the transformational promise of the brands. Her critique culminates in a shopper´s bill of rights that lays out 10 principles of consumer transformation that should liberate shoppers, as well as the manufacturers and channels that serve them, from the tyranny of the cheap. 1. Language: English. Narrator: Kimberly Schraf. Audio sample: http://samples.audible.de/bk/harp/001329/bk_harp_001329_sample.mp3. Digital audiobook in aax.