This book is formatted as an interview with Jonathan, a layperson who had no surety knowledge when the conversation began. Many contractors avoid potentially profitable bonded jobs because they don't understand Surety, they think bonds are "too difficult", or that they don't qualify. My hope is that you will use this book as a handbook. You might not read it cover-to-cover, but get the general idea in the first few chapters and use the rest as a reference, as needed. As a reference book, this might be something that you can keep in your desk (or your truck) when an invitation to bid or a contract or a permit leads you to think, "I need a bond." I hope you will pull out your handy little book for reference, so you're prepared when you call your surety bond producer and they ask, "What kind of bond do you need?" This book will provide enough insight for you to be confident when applying for surety credit. Because surety is such an unusual and complicated financial product, having just a small amount of knowledge to talk to others about the topic of surety will give you an edge over your competition. To Your Success! Kara Skinner

From the award-winning entrepreneur, culture leader, and creator of the BLACK GIRLS ROCK! movement comes an inspiring and beautifully designed book that pays tribute to the achievements and contributions of black women around the world. Fueled by the insights of women of diverse backgrounds, including Michelle Obama, Angela Davis, Shonda Rhimes, Misty Copeland Yara Shahidi, and Mary J. Blige, this book is a celebration of black women’s voices and experiences that will become a collector’s items for generations to come. Maxine Waters shares the personal fulfillment of service. Moguls Cathy Hughes, Suzanne Shank, and Serena Williams recount stories of steadfastness, determination, diligence, dedication and the will to win. Erykah Badu, Toshi Reagon, Mickalane Thomas, Solange Knowles-Ferguson, and Rihanna offer insights on creativity and how they use it to stay in tune with their magic. Pioneering writers Rebecca Walker, Melissa Harris-Perry, and Joan Morgan speak on modern-day black feminist thought. Lupita Nyong’o, Susan Taylor, and Bethann Hardison affirm the true essence of holistic beauty. And Iyanla Vanzant reinforces Black Girl Magic in her powerful pledge. Through these and dozens of other unforgettable testimonies, Black Girls Rock! is an ode to black girl ambition, self-love, empowerment, and healing. Pairing inspirational essays and affirmations with lush, newly commissioned and classic photography, Black Girls Rock!: Owning Our Magic and Rocking Our Truth is not only a one-of-a-kind celebration of the diversity, fortitude, and spirituality of black women but also a foundational text that will energize and empower every reader.

A tale inspired by the early life of Zora Neale Hurston finds the imaginative future author telling fantastical stories about a mythical evil creature until a racially charged murder threatens to shatter the peace in her turn-of-the-century Southern community. A first novel.

From the New York Times-bestselling authors of THE PACT Drs. Sampson Davis, George Jenkins, and Rameck Hunt discovered early in their friendship that they shared a disturbing trait: as children, they navigated dangerous inner-city life without a father’s guidance. In spite of this, they escaped delinquency and crime to form the Pact, dedicated to putting themselves on the road to success. Now, the Three Doctors make a new promise: to set aside their resentment, and rebuild the relationships with their fathers—men they barely recognize. Told in alternating voices between father and son, The Bond explores the hard lessons of growing up without a father and suggests ways to stem the tide of fatherlessness in communities across the country. Honest, brave, and poignant, The Bond is a book for every child and every family.

A collection of photographs and interviews with thirty-five Black men reveals how their connection with their mothers influenced how they look at race, education, relationships, and family

Everything on Treasuries, munis,bond funds, and more! The bond buyer’s answer book—updated for the new economy “As in the first two editions, this third edition of The Bond Book continues to be the idealreference for the individual investor. It has all the necessary details, well explained andillustrated without excessive mathematics. In addition to providing this essential content, itis extremely well written.” —James B. Cloonan, Chairman, American Association of Individual Investors “Annette Thau makes the bond market interesting, approachable, and clear. As much asinvestors will continue to depend on fixed-income securities during their retirement years,they’ll need an insightful guide that ensures they’re appropriately educated and served.The Bond Book does just that.” —Jeff Tjornejoh, Research Director, U.S. and Canada, Lipper, Thomson Reuters “Not only a practical and easy-to-understand guide for the novice, but also a comprehensivereference for professionals. Annette Thau provides the steps to climb to the top of the bondinvestment ladder. The Bond Book should be a permanent fixture in any investment library!” —Thomas J. Herzfeld, President, Thomas Herzfeld Advisors, Inc. “If the financial crisis of recent years has taught us anything, it’s buyer beware. Fact is, bondscan be just as risky as stocks. That’s why Annette Thau’s new edition of The Bond Book isessential reading for investors who want to know exactly what’s in their portfolios. It alsoserves as an excellent guide for those of us who are getting older and need to diversify intofixed income.” —Jean Gruss, Southwest Florida Editor, Gulf Coast Business Review, andformer Managing Editor, Kiplinger’s Retirement Report About the Book The financial crisis of 2008 causedmajor disruptions to every sector ofthe bond market and left even the savviestinvestors confused about the safety oftheir investments. To serve these investors andanyone looking to explore opportunities infixed-income investing, former bond analystAnnette Thau builds on the features and authoritythat made the first two editions bestsellersin the thoroughly revised, updated, andexpanded third edition of The Bond Book. This is a one-stop resource for both seasonedbond investors looking for the latest informationon the fixed-income market and equitiesinvestors planning to diversify their holdings.Writing in plain English, Thau presentscutting-edge strategies for making the bestbond-investing decisions, while explaininghow to assess risks and opportunities. She alsoincludes up-to-date listings of online resourceswith bond prices and other information.Look to this all-in-one guide for information onsuch critical topics as: Buying individual bonds or bond funds The ins and outs of open-end funds,closed-end funds, and exchangetradedfunds (ETFs) The new landscape for municipal bonds:the changed rating scales, the neardemise of bond insurance, andBuild America Bonds (BABs) The safest bond funds Junk bonds (and emerging market bonds) Buying Treasuries without payinga commission From how bonds work to how to buy and sellthem to what to expect from them, The BondBook, third edition, is a must-read for individualinvestors and financial advisers who wantto enhance the fixed-income allocation of theirportfolios.