For 75 years, the VA loan program has helped U.S. service members and their families achieve the dream of homeownership. Today, in the wake of the subprime mortgage meltdown and ensuing foreclosure crisis, this no-down payment loan is more important than ever. VA loans have emerged as a lifeline for veterans and active duty personnel who understand their unmatched safety and buying power. The Book on VA Loans takes service members and their families on an insider's journey into VA loans, from credit scores and interest rates to the unique opportunities and challenges of this long-cherished program. Readers get insider tips and expert advice from the country's largest dedicated VA lender, Veterans United Home Loans. They also receive a buyer-friendly education in a sometimes complicated world that can trip up even seasoned real estate veterans.Featuring simple, straightforward language and voices of previous VA borrowers, this resource helps ensure service members are in the best position possible to maximize the benefits earned by their service.

Buying a home is exciting and, let's face it, complicated. This booklet is a toolkit that can help you make better choices along your path to owning a home.

There is widespread agreement that schools should contribute to the moral development and character formation of their students. In fact, 80% of US states currently have mandates regarding character education. However, the pervasiveness of the support for moral and character education masks a high degree of controversy surrounding its meaning and methods. The purpose of this handbook is to supplant the prevalent ideological rhetoric of the field with a comprehensive, research-oriented volume that both describes the extensive changes that have occurred over the last fifteen years and points forward to the future. Now in its second edition, this book includes the latest applications of developmental and cognitive psychology to moral and character education from preschool to college settings, and much more.

Teacher turned home-educator Anna Dusseau explores the purpose of education, how children learn and the benefits of home education. She addresses key questions and suggests activities and ways to start homeschooling.

A veterinary surgeon gives prospective owners of rabbits, guinea pigs, hamsters, gerbils, mice and rats a wealth of practical information. Taylor tells how to buy a healthy animal and describes maintenance procedures, feeding, breeding, and general behavior of small animals. 70+ color photos.