Fight Back! And Don't Get Ripped Off


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Everyday Letters for Busy People


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This reference contains hundreds of tips, techniques, and samples that will help readers create the perfect letter or e-mail no matter what the occasion or circumstance, or how little time they have.




Ask!


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It's the simplest technique imaginable, and it can save you hours of your time, hundreds of headaches, and thousands of dollars. Barbara Rollin has saved a small fortune by using a technique that is so simple, so easy, that anyone can do it. By using the power of "Asking," Barbara Rollin has gotten refunds, discounts, deals, lower prices, and customer satisfaction beyond her wildest dreams. In Ask! you will learn her strategies to: -Get credit card companies to lower your interest rates -Make stores pay for your time when deliveries are late -Get hotels to lower their room rates upon check-in -Receive refunds for disappointing merchandise-even years later -Learn to ask for and get better medical care -Stop accepting anything less than a totally satisfying restaurant meal -Return anything to a store-even if they have a "no returns" policy -And much more! Barbara Rollin has learned in her years of steadily more audacious "Asking" that companies will comply-usually with a smile. Everyone has the power to "Ask" for satisfaction, without whining or complaining. The stories and anecdotes in Ask! will demonstrate that power to you, so that you can begin getting more than you ever dreamed possible through these simple techniques.




An All-Consuming Century


Book Description

The unqualified victory of consumerism in America was not a foregone conclusion. The United States has traditionally been the home of the most aggressive and often thoughtful criticism of consumption, including Puritanism, Prohibition, the simplicity movement, the '60s hippies, and the consumer rights movement. But at the dawn of the twenty-first century, not only has American consumerism triumphed, there isn't even an "ism" left to challenge it. An All-Consuming Century is a rich history of how market goods came to dominate American life over that remarkable hundred years between 1900 and 2000 and why for the first time in history there are no practical limits to consumerism. By 1930 a distinct consumer society had emerged in the United States in which the taste, speed, control, and comfort of goods offered new meanings of freedom, thus laying the groundwork for a full-scale ideology of consumer's democracy after World War II. From the introduction of Henry Ford's Model T ("so low in price that no man making a good salary will be unable to own one") and the innovations in selling that arrived with the department store (window displays, self service, the installment plan) to the development of new arenas for spending (amusement parks, penny arcades, baseball parks, and dance halls), Americans embraced the new culture of commercialism—with reservations. However, Gary Cross shows that even the Depression, the counterculture of the 1960s, and the inflation of the 1970s made Americans more materialistic, opening new channels of desire and offering opportunities for more innovative and aggressive marketing. The conservative upsurge of the 1980s and '90s indulged in its own brand of self-aggrandizement by promoting unrestricted markets. The consumerism of today, thriving and largely unchecked, no longer brings families and communities together; instead, it increasingly divides and isolates Americans. Consumer culture has provided affluent societies with peaceful alternatives to tribalism and class war, Cross writes, and it has fueled extraordinary economic growth. The challenge for the future is to find ways to revive the still valid portion of the culture of constraint and control the overpowering success of the all-consuming twentieth century.




Stop Getting Ripped Off


Book Description

New York Times bestselling author of Gotcha Capitalism and MSNBC.com "Red Tape Chronicles" columnist Bob Sullivan strikes again to help you evade the financial traps big businesses set for unwary consumers—and shows you how to get the best possible deals every single time. Today's marketplace is full of hidden fees, fine print, and other booby traps designed to trip you up and take your money. You may be losing big even when you think you're getting a steal! But with Sullivan's keen guidance and sensible advice, you can save money and regain control of your financial life. Clearly and concisely, Sullivan reveals • why American consumers make such easy targets for corporate America (you'll be stunned, for example, at how poor our math skills are) • how Wall Street will skim off one third of your retirement money (avoid this trap with Sullivan's new "Pitfall-Proof Pyramid") • the myths behind credit-card reward programs and "the 21st-Century Bank Account" • the real numbers to focus on when buying a new car • why you should spend more time shopping for your mortgage than your home • the key questions you must ask before buying life insurance • the secrets to saving for college and paying off student loans the right way • the best deals on cell phones and pay-TV service With Sullivan's empowering message, financial savvy, and knowledge of consumers' wants and needs, you can outsmart the system, keep your hard-earned cash, and finally stop getting ripped off. And you'll become part of a growing grass-roots movement to rein in the abuses of corporate America before consumers get hurt by another boom-and-bust cycle. From the Trade Paperback edition.




Fight For Your Money


Book Description

A war for your money is raging and it is time to fight back! In a book that will forever change how you spend your hard earned money, America’s favorite financial coach, David Bach, shows you how to save thousands of dollars every year by taking on the “corporate machines.” In these times when every dollar counts, big businesses are using dishonest tricks to rip you off, making themselves billions while they keep you living paycheck to paycheck. David Bach knows that until you learn to fight for your money, you will overpay for almost everything you buy. In Fight for Your Money, he gives you the tools to FIGHT BACK and WIN. Bach shows you how every dollar you spend is really a battle between you and the businesses—and the government—who want to take it as profit. When you know how the system is rigged –the extra points, the hidden fees, the late charges, the unused tax breaks, the escalating rates—you can fight back against the pickpockets and save literally thousands every year—money in your pocket that can help you live your dreams. Fight for Your Money shows how you are being taken on your cell phone contract, cable bill, car purchase, credit card, life insurance, healthcare, 401(k) plan, airfare, hotel bills, and much more. Bach gives you all the tools you need to fight back, with websites, phone numbers, sample letters and real-life stories of ordinary people who have fought for their money and won. You’ll learn how to: Beat the credit card companies at the games they play that cost you thousands annually in interest and fees Make your bank accounts work for you with higher yields and lower fees Save thousands by pre-paying college tuition at TODAY’s prices Raise your credit score and pay thousands less in mortgage interest Cut your life insurance premiums in half by making one call Save hundreds on air travel, hotels, and car rentals—just by being an informed consumer Avoid huge rip-offs like bank-issued gift cards, medical credit cards, 401(k) debit cards, and sneaky renewals of your cell-phone plan. David Bach knows that when you are being taken financially, you work harder than you have to, for longer than you need to. This book helps you fight for your money, so you can live your life doing what you really want to do.




Sweet One


Book Description

When a senior Aboriginal war veteran dies horribly at the hands of state government authorities, Izzy, a journalist and daughter of a war veteran herself, flies to the goldfields of Western Australia to cover his death. But Izzy is about to learn that for every action there is an equal and bloody reaction. On the trail of the vigilantes, she finds herself embedded in a secret war that is finally, irrevocably, going to explode to the surface.







Hungry Independents


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Grasshoppers have invaded Independents, and the crops are under attack. Hunter seeks out help from the kids in Cozad, but finds them served up like cold cuts at a deli to the emaciated horseman of the apocalypse known as Famine. After Hunter meets the eye-appealing Barbara, who prefers to be called Barbie, he has to constantly remind her that he has a girlfriend. Sometimes he reminds himself. The distraction is only temporary as he risks his life to protect the children from Famine’s hunger. With Barbie fighting at his side to free the Cozad kids, Hunter discovers he is immune to physical harm, even though the pain from his brother’s death remains heavy on his shoulders. He knows everything will be all right if he holds himself together long enough to make it back home to Molly, unless Famine and his swarm of insects arrive there ahead of him.




A Time for Renewal


Book Description

***The second installment in the bestselling, uplifting Rivenshaw Saga, set at the end of the Second World War*** In the wake of World War Two, the whole country is desperate for houses, with very little money available to rebuild. In the town of Rivenshaw in Lancashire, Mayne Esher has no choice but to turn Esherwood, the war-damaged stately home which has been in his family for generations, into flats. Rebuilding Esherwood won't be easy but with Judith Crossley by his side, Mayne hopes to restore it to its former glory. First, he must open it up to some of his long-suffering army friends . . . and it soon becomes clear that the house isn't the only thing which needs rebuilding. Victor is fighting his late wife's rich and arrogant mother for custody of his daughter Betty. Ros has been cheated out of her money and has nowhere to go now she's been demobbed from the army. Daniel is still unsettled after his wartime experiences. He's waiting for his divorce to go through and has family problems that take him away from Rivenshaw. Francis hasn't even been in touch. On top of these troubles, saving Esherwood proves to be a difficult undertaking for Mayne and Judith. And certain people will stop at nothing to prevent it happening. In this time of renewal, will the group find a way to rebuild their lives, and the old house, as planned? *********** Praise for Anna Jacobs: 'Catherine Cookson fans will cheer!' - Peterborough Evening Telegraph 'Anna Jacobs' books are deservedly popular. She is one of the best writers of Lancashire sagas around' - Historical Novels Reviews 'Anna Jacobs' books have an impressive grasp of human emotions' - Sunday Times