Many people cringe when they hear the word credit. The credit system is complicated, scary, and sometimes might even appear overwhelming. However, it can be understood and even controlled if you possess the right knowledge. With this book in your hands, you are about to become a credit master. You will know exactly what your credit scores are based on and how you can control them. You will learn the secrets the credit bureaus donÍt want you to know about their computers, systems, and tainted past. You will uncover unethical creditor tactics that are being used right now to ruin your credit. You will even have access to credit bureau dispute methods, letters, and advanced letters I personally use, which will all help you remove inaccurate items from your credit report.

Credit is one of the most important aspects of our financial lives, but the fact is few people have a true understanding of the subject or how to impact their credit report and score. Some financial "gurus" advocate that you should not use credit cards and that you should live off of your cash, which will leave you without a credit history. This means cash is your only buying power. Winning the Credit Score Game takes a different approach. It teaches you how to exercise the disciplined credit philosophy that will allow you to live within your cash and earn a stellar credit history, earning you a top tier credit rating that will entitle you to the lowest interest rates. In other words, you will learn how to build buying power beyond your cash without going into debt that exceeds your budget. Increasing your credit score will save you thousands of dollars a year on interest and insurance rates.

Explore effective learning programs with the father of e-learning Michael Allen's Guide to e-Learning: Building Interactive, Fun, and Effective Learning Programs for Any Company, Second Edition presents best practices for building interactive, fun, and effective online learning programs. This engaging text offers insight regarding what makes great e-learning, particularly from the perspectives of motivation and interactivity, and features history lessons that assist you in avoiding common pitfalls and guide you in the direction of e-learning success. This updated edition also considers changes in technology and tools that facilitate the implementation of the strategies, guidelines, and techniques it presents. E-learning has experienced a surge in popularity over the past ten years, with education professionals around the world leveraging technology to facilitate instruction. From hybrid courses that integrate technology into traditional classroom instruction to full online courses that are conducted solely on the internet, a range of e-learning models is available. The key to creating a successful e-learning program lies in understanding how to use the tools at your disposal to create an interactive, engaging, and effective learning experience. Gain a new perspective on e-learning, and how technology can facilitate education Explore updated content, including coverage regarding learner interface, gamification, mobile learning, and individualization Discuss the experiences of others via targeted case studies, which cover good and not so good e-learning projects Understand key concepts through new examples that reinforce essential ideas and demonstrate their practical application Michael Allen's Guide to e-Learning: Building Interactive, Fun, and Effective Learning Programs for Any Company, Second Edition is an essential resource if you are studying for the e-Learning Instructional Design Certificate Program.

Co-published with and Students need more than just academic skills for success in college and career, and the lack of an explicit instructional focus on the “soft skills” critical to postsecondary success poses a challenge for many students who enter college, especially the underprepared. Based upon a multi-campus, cross-disciplinary collaboration, this book presents the resulting set of habits-of-mind-based strategies that demonstrably help not only low-income, ESL, and first-generation college students overcome obstacles on the path to degree completion; these strategies equally benefit all students. They promote life-long, integrative learning and foster intellectual qualities such as curiosity, openness, flexibility, engagement, and persistence that are the key to developing internalized and transferrable competencies that are seldom given direct attention in college classrooms. This contributed volume, written with full-time and adjunct faculty in mind, provides the rationale for this pedagogical approach and presents the sequential instructional cycle that begins by identifying students’ assets and progressively focusing on specific habits to develop their capacity to transfer their learning to new tasks and situations.Faculty from both two-year and four-year colleges provide examples of how they implement these practices in English, math, and General Education courses, and demonstrate the applicability of these practices across course types and disciplines.Chapters address key factors of college success, including:* The link between habits of mind and student retention and achievement* Using an assets-based approach to teaching and learning* Supporting and engaging students* Creating inclusive learning communities* Building confidence and self-efficacy* Promoting transfer of learning* Teacher networks and cross-disciplinary collaborationBy foregrounding habits of mind as an instructional lens, this book makes a unique contribution to teaching in developmental and general education settings.

THOUGHT PROVOKING. INVIGORATING. INSPIRATIONAL. A ROUSING ROADMAP FOR ANYONE WHO DESIRES TO TRANSFORM THEIR FINANCIAL SITUATION AND DISCOVER HOW TO USE WHAT’S IN THEIR HANDS TO CREATE GENERATIONAL WEALTH AND TRUE FINANCIAL FREEDOM. LaShawne Holland never knew what she wanted to be when she grew up. Unlike her 3rd grade classmates, who wanted to be attorneys, astronauts, chefs, and doctors, she never had THAT vision. Her vision was unconventional and so was her answer to the teacher. “I DON’T WANT TO BE BROKE” were the words that escaped her mouth. Loud and clear, she confidently repeated it as second time as if the class didn’t hear her the first time as confirmation of her big dream. She was an honor roll student all throughout school, then in her 12th grade year, her High School Guidance Counselor told her in a meeting that “kids like you don’t go to college”. Confused and shocked by his comments, she left that meeting more determined than ever to not become the statistic that society would try to box her in to be. She went to college, working three jobs to pay her way through school, graduating with a Bachelor of Science in Accounting and went to work in Corporate America. It didn’t take long for her to start to feel the uncomfortable tug in her heart that she didn’t want to be placed in a box and only make in a salary what her boss deemed she was worth. Born to Multiply is about seizing and taking hold of the promises of God in the bible where wealth and riches is concerned and apply them to your life. It’s about employing your gifts, that was placed inside of you before the foundations of the world to create wealth. LaShawne believes that wealth follows purpose and no one has the right to tell you that you can only have a certain income level. LaShawne disrupts the social-economic norms that society tries to tag children of teen parents with. In Born to Multiply, she shares her journey and helps the reader discover how to transform financial suffocation to financial success.