Fundamentals of Insurance Regulation:The Rules and the Rationale Raymond A. Guenter/ Elisabeth Ditomassi
Most people think going to work every day and working hard are the main elements that determine wealth. Some people even think holding down two jobs will secure their financial futures. But hard work alone won´t allow the average low-to-middle-income individual to live well or control debt. In Look What Happened to My Pocket Change!, author Rochelle Melanie provides a guide to help low- to middle-income individuals learn how to create wealth, overcome obstacles that prevent them from saving and investing, and manage money better. Rochelle describes her personal experiences with spending, saving, and investing to demonstrate techniques for creating financial stability. She discusses: Where wealth comes from The importance of organization The benefits of a good work ethic Credit and paying bills Banks, finance companies, and loan stores Coupons, rebates, reward points, and dollar stores How real savings begins Savings bonds, mutual funds, the stock market, real estate, and life insurance Look What Happened to My Pocket Change! details techniques for wise investing, smart borrowing, and getting organized that anyone can adopt in order to enhance their lifestyles. 1. Language: English. Narrator: Elisabeth Meekins. Audio sample: http://samples.audible.de/bk/acx0/052606/bk_acx0_052606_sample.mp3. Digital audiobook in aax.
Award-winning New York Times reporter Dr. Elisabeth Rosenthal reveals the dangerous, expensive, and dysfunctional American health-care system and tells us exactly what we can do to solve its myriad of problems. It is well documented that our health-care system has grave problems, but how, in only a matter of decades, did things get this bad? Dr. Elisabeth Rosenthal doesn´t just explain the symptoms; she diagnoses and treats the disease itself. Rosenthal spells out in clear and practical terms exactly how to decode medical doublespeak, avoid the pitfalls of the pharmaceuticals racket, and get the care you and your family deserve. She takes you inside the doctor-patient relationship, explaining step by step the workings of a profession sorely lacking transparency. This is about what we can do, as individual patients, both to navigate a byzantine system and also to demand far-reaching reform. Breaking down the monolithic business into its individual industries - the hospitals, doctors, insurance companies, drug manufacturers - that together constitute our health-care system, Rosenthal tells the story of the history of American medicine as never before. The situation is far worse than we think, and it has become like that much more recently than we realize. Hospitals, which are managed by business executives, behave like predatory lenders, hounding patients and seizing their homes. Research charities are in bed with big pharmaceutical companies, which surreptitiously profit from the donations made by working people. Americans are dying from routine medical conditions when affordable and straightforward solutions exist. Dr. Rosenthal explains for the first time how various social and financial incentives have encouraged a disastrous and immoral system to spring up organically in a shockingly short span of time. The system is in tatters, but we can fight back. An American Sickness is the frontline defense against a health-ca 1. Language: English. Narrator: Nancy Linari. Audio sample: http://samples.audible.de/bk/peng/003073/bk_peng_003073_sample.mp3. Digital audiobook in aax.