Meet Roxy. For fans of Where'd You Go, Bernadette and Bridget Jones's Diary comes "just the kind of comic novel we need right now" (The Washington Post) about an Austin artist trying to figure out her life one letter to her ex-boyfriend at a time. The Roxy Letters is a hilarious and heartwarming novel told through the letters that the charming and hapless Roxy, a twenty-eight-year old Austin native, sends to her ex-boyfriend (and current roommate) Everett. Roxy is underemployed, sexually frustrated, and uninspired. Tired of her job as a deli maid at the original Whole Foods, Roxy daydreams of breaking out of her funk and finding a job that will get her creative juices flowing. She also wouldn't mind finding love and finding herself off the brink of financial ruin-though Everett's late rent payments aren't helping her with the latter. On top of it all, gentrification is slowly changing her beloved Austin in new and evilly corporate ways. When a new Lululemon pops up at the intersection of 6th and Lamar where the old Waterloo Video used to be, Roxy can stay silent no longer. Encouraged by her ex-deli counter comrade Annie-now assistant to the Whole Foods CEO and planning an animal rights revolution from the inside-and her new friend Artemis, a vivacious and mercurial man-eater with a string of personas and paramours all over town, Roxy decides to take action. But can this spunky, unforgettable millennial keep Austin weird, avoid arrest, and discover good sex, true love, and her purpose in life in the process?
If you believe you’ll be in debt for the rest of your life, you have to keep on reading! It’s possible to start a debt-free, fulfilling life in less than a year.Can you identify with any of the following scenarios: You literally have to count your dollars and by the end of the month, you’re left with nothing. Money worries are stealing your sleep, affecting your work performance and even ruining your relationship with that special someone. How much more can you take?You’re in debt. You don’t see a way out of the situation. Your credit cards are maxed out and you’re actually considering a new loan that will help you patch up the situation. Is this nightmare ever going to end? Can a person pay off all debt and stay debt-free for the rest of their life? The short answer is yes.The whole process starts with a bit of financial awareness. If you’re one of the people who don’t know how much debt they’ve accumulated or what the different interest rates they’re paying are, you should start educating yourself. More people than ever before are disintegrating under the burden of insurmountable debt. You are one of these people if:You can only afford to make minimum payments on loans and credits?You have to skip those payments every once in a while because you don’t have money?Money is always on your mind?You can no longer get a loan from a reputable lender?You don’t know when the last time you managed to save some money from your paycheck was?Credit cards are being treated as an additional source of income?You are facing repossession, foreclosure, or wage garnishment. It’s time to regain control of your finances! Paying off all of your debt isn’t easy and it will require fiscal discipline. The goal, however, can be accomplished in less than a year if you put your mind to it.In How to Get Out of Debt, you will discover:The 10 biggest debt myths we stil 1. Language: English. Narrator: Dwight Kuhlman, for HotGhost Productions. Audio sample: http://samples.audible.de/bk/acx0/202458/bk_acx0_202458_sample.mp3. Digital audiobook in aax.
The gripping second instalment of the rise - and spectacular fall - of one man, an entire state and generations of corruption. 'The message was powerfully clear. If you threatened the harmony of the Joke, you didn't last long.' 1976. Terry Lewis, exiled in Western Queensland, is soon to be controversially appointed Police Commissioner. As for the other two original Crooked Kings, Tony Murphy is set to ruthlessly take control of the workings of 'The Joke' while Glen Hallahan, retired from the force, begins to show a keen interest in the emerging illicit drug trade. Meanwhile, ex-cop and 'Bagman' Jack Herbert collects the payments and efficiently takes police graft to a whole new level. The Joke heralds an era of hard drugs, illegal gambling and prostitution and leaves in its wake a string of unsolved murders and a trail of dirty money. With the highest levels of police and government turning a blind eye, the careers of honest police officers and the lives of innocent civilians are threatened and often lost as corruption escalates out of control. Revealing more incredible facts and previously untold stories, award-winning journalist and novelist Matthew Condon once again exposes the shocking behaviour outside the law by the law. 1. Language: English. Narrator: Dave Treddinick. Audio sample: http://samples.audible.de/bk/boli/003183/bk_boli_003183_sample.mp3. Digital audiobook in aax.
Financial illiteracy is costing you more than $35,000. Here’s how to change that: Did you know that the average millennial in the US is $36,000 in debt?Sound familiar?You’ve just gotten out of college and you’re overwhelmed by student loan payments. Not only that, an entry-level job is keeping you from earning the money that would support the lifestyle you desire.So, what can you do about it?Is there any way to gain financial stability as early as in your 20s or 30s?Of course there is! And the answer happens to be a whole lot simpler than what you may imagine when thinking of saving and investing.For a start, you need to get out of debt asap.The longer you remain a part of the vicious cycle, the more difficult it is to get out of the debt swamp.You can be debt-free in your late 20s. To accomplish this goal, however, you’ll need to do some financial growing up.Once you manage to kill the debt beast, you can move on to pursue all your life goals – saving enough to retire early, starting a family, buying a house, or starting your own business.Financial literacy consists of several simple, yet essential, concepts you’ll need to master. In other words, you’ll need to learn smart instead of hard when it comes to personal asset management.In Financial Literacy: How to Gain Financial Intelligence, Financial Peace and Financial Independence, you will discover:The four cardinal sins of youthful spending that will keep you in debt (forever) An eight-step, iron-clad methodology for getting out of debt in your 20s and 30s Smart ways to save money without having to give up your preferred lifestyle How to have fun and enjoy adventures for free, or with minimal spending More than 12 brilliant ideas to earn more money (some have even been employed by top entrepreneurs for years) Reasons why no future dream is too big to pursue 1. Language: English. Narrator: Skyler Morgan. Audio sample: http://samples.audible.de/bk/acx0/215396/bk_acx0_215396_sample.mp3. Digital audiobook in aax.
The cryptocurrency revolution is here! Learn everything you need to know about cryptocurrency and how you can get involve in the next digital ecosystem. Welcome to the age of cryptocurrency! The use of money or its alternatives can be dated back to the dawn of humanity when bartering was used in lieu of money to buy goods, as the early man began to rear domestic livestock. The first known currency was created by King Alyattes of Lydia, now part of Turkey, in 600 BC. Coins then evolved into bank notes around AD 1661. The first credit card was introduced in 1946. Money has developed from these early roots through to Apple's instant iPhone payments and Bitcoin - the world's first decentralized cryptocurrency. But with the whole arguments and failures of the current banking systems, the corruption and swindling, the cheating and wastage of hard-earned funds, the world is yearning for an improvement. That is what this audiobook will help you see, that there are alternatives, very helpful ones at that, in cryptocurrencies. Not just alternatives from someone who knows nothing about the subject but from a passionate lover and user of cryptocurrency, whose objective is to help you get the best out of life and who wants you to make the best out of your career. The truth is that there are many digital currencies out there that are created for different purposes, and you can choose from them, based on your needs. By getting familiar with the contents of this audiobook, you are not just acquiring more knowledge on cryptocurrencies, but also positioning yourself on a platform that affords you more financial freedom, more opportunities to surpass your contemporaries, and more marketing strategies. Cryptocurrency has come to stay, and with the many countless prospects it affords - many of which are presently unknown even to experts - it can only get better. 1. Language: English. Narrator: Brad Enright. Audio sample: http://samples.audible.de/bk/acx0/103654/bk_acx0_103654_sample.mp3. Digital audiobook in aax.
If you are planning to change your career without risking what you already built keep reading....Every year millions of people in their 30s, 40s, or 50s set goals to change their career but end up stuck in the same job month after month. This is because you are already established in your career, invested time, effort, and money and do not want to lose all the results you have achieved over time. At this stage of life, you have responsibilities like a family, mortgage, and car payments, and your whole identity can be tied into what you do, so it is completely normal to be afraid to make a change into the unknown.Yet every year, there are thousands of people who successfully make the change to the career and lifestyle of their dreams without risking what they already ready built or neglecting their responsibilities by following a simple but proven strategy.The Midlife Career Change Playbook is a one-stop guide that will teach you how to finally live the life that you have always wanted. If you are tired of your "9 to 5" routine, if you are tired of the daily drag, or if you simply want to have a much higher income, then this book is for you. This book will instruct and show you how to create positive changes in your life so that you can live the life that you have always dreamed of!The Midlife Career Change Playbook will help you:Feel confident to start the process of changing your career Develop the high-income skills Double your income before leaving your current position Overcome doubt and fear Quit the job you hate Create the lifestyle of your dreams Much, much more!Much of the advice in this playbook may seem simple and even obvious, but the data shows that if you stick to the strategies outlined in this book, you will create the career you have always wanted. Download your copy today! 1. Language: English. Narrator: Cory Hance. Audio sample: http://samples.audible.de/bk/acx0/124714/bk_acx0_124714_sample.mp3. Digital audiobook in aax.
Today, in the whole world, 80 % of all forest areas are publicly owned. Forests being seen as a major provider of public services (watershed services, carbon sequestration, salination control, landscape beauty, etc.), it is generally admitted that the State is responsible for ensuring the conservation of these large biodiversity-rich areas. Yet, ownership and management of forests by communities, individuals and private companies is on the rise. Market-based mechanism are being developed to encourage lower-cost approaches for securing forest conservation beyond traditional publicly protected areas. Instead of direct land purchasing, a cheaper option is to pay landowners to manage their assets so as to achieve biodiversity or species conservation. The so-called Payments for environmental services are thus promising instruments to reconcile two contradictory issues affecting the resource-based developing economies which host highly biodiverse zones: economic developement and biodiversity conservation. This book hence proposes to understand the limits of one of these promising instruments, Tradeable Development Rights, for the conservation of the Brazilian Amazon forest.
Rapeseed-mustard plays a pivotal role in the agricultural and industrial economy of Rajasthan state. The study was conducted in Alwar and Sri Ganganagar districts of Rajasthan state during 2007-08. Growth rate analysis for area, production and productivity has shown significant increase over a period of time for Alwar district, Sri Ganganagar district, Rajasthan state as a whole and India. Four marketing channels were found in both the districts for disposing the produce, where in the share of producer in the consumer s rupee was higher when they sold their produce directly to processor. The indices of prices were not fluctuating as much as indices of arrivals. Slightly lower indices of price were noticed during heavy arrival months and vice-versa. The rapeseed-mustard markets in Rajasthan were well integrated with one another due to availability of good communication and transportation facilities. Lack of technical guidance and non-availability of fertilizer on time were the major problems in production and price information and fluctuations and delayed payments were the major problems in marketing of rapeseed-mustard faced by the farmers.
Indian banking industry has recently witnessed the roll out of innovative banking models like payments and small finance banks. The central bank granted in-principle approval to 11 payments banks and 10 small finance banks in FY 2015-16. RBI's new measures may go a long way in helping the restructuring of the domestic banking industry.The Indian banking system consists of 26 public sector banks, 25 private sector banks, 43 foreign banks, 56 regional rural banks, 1,589 urban cooperative banks and 93,550 rural cooperative banks, in addition to cooperative credit institutions. Public-sector banks control nearly 80 percent of the market, thereby leaving comparatively much smaller shares for its private peers. Banks are also encouraging their customers to manage their finances using mobile phones. Standard & Poor's estimates that credit growth in India's banking sector would improve to 11-13 per cent in FY17 from less than 10 per cent in the second half of CY14. On the whole this book mainly highlights on the overview of major activities being carried out by the major banks in India.