Minggu, 19 April 2015

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IRAs, 401(k)s & Other Retirement Plans: Taking Your Money Out, by Twila Slesnick PhD, John Suttle CPA  Attorney

Get your cash out of retirement savings without giving away your nest egg to the IRS!

Perhaps your retirement is on the horizon. Or you're changing jobs. Or are about to turn 70.5 years old....

Whatever is going on with your retirement account, IRAs, 401(K)s & Other Retirement Plans is for you! Make sense of the rules that govern distributions from retirement plans - and avoid the stiff taxes and penalties that lurk in the fine print.

In plain English, this book discusses all common types of retirement plans, including 401(k)s and other profit-sharing plans, Keoghs, IRAs and tax-deferred annuities. It covers:

  • tax strategies before and at retirement
  • penalties for taking money out early
  • minimizing taxes
  • distributions you must take
  • distributions to your heirs

    The 9th edition is completely updated with the latest tax rates, tables and methods for calculating required distributions. It also reflects the Pension Protection Act of 2006, a huge update to various retirement programs.

    With IRAs, 401(K)s & Other Retirement Plans as your guide, you'll know the rules, avoid the penalties and save for your future like a pro.

    • Sales Rank: #1236433 in Books
    • Brand: Brand: NOLO
    • Published on: 2009-07-10
    • Original language: English
    • Number of items: 1
    • Dimensions: 9.00" h x 1.00" w x 7.00" l, 1.20 pounds
    • Binding: Paperback
    • 308 pages
    Features
    • Used Book in Good Condition

    Amazon.com Review
    IRA's, 401(k)s & Other Retirement Plans, by financial specialists Twila Slesnick and John C. Suttle, is a solid self-help legal look at a critical back-end issue that most of us blissfully ignore until we absolutely must confront it. The authors themselves admit it is not a compelling page-turner, but rather a comprehensive resource that at some point should prove indispensable to everyone with a retirement plan. They describe the various plans available--including Roth IRAs, to which an entire chapter is devoted--focusing on distribution rules, associated taxes, and potential penalties. They offer details on early distributions used to pay higher-education expenses or health-insurance premiums (which are not subject to taxes, under certain explicit conditions), distributions you must take during your lifetime (when they begin, how they're computed, what happens if your beneficiary changes), and distributions made after an account holder dies (largely concentrating on administrative procedures that could help you avoid unnecessary financial loss). Helpful appendices include relevant IRS forms, notices, and schedules as well as life-expectancy tables. --Howard Rothman

    Review
    A more impressively clear and comprehensive layman's guide is IRAs, 401(k)s & Other Retirement Plans... (U.S. News & World Report 2009-01-01)

    "Few resources are as valuable when it comes to financial planning in later life." (The Wall Street Journal 2008-02-02)

    "An explanation of the complicated rules on withdrawal, written for ordinary people." (Hank Ezell, Atlanta Journal Constitution 2008-02-02)

    "Belongs on the bookshelf of anyone with an IRA, 401(k) or other type of qualified retirement plan. When the inevitable questions come up, here's where you'll find the answers." (Kiplinger's Personal Finance 2008-02-02)

    "A more impressively clear and comprehensive layman's guide is IRAs, 401(k)s & Other Retirement Plans..." (U.S. News & World Report 2008-02-02)

    Enabled me to devise the most advantageous distribution schedule for my IRA... It is one of the most helpful books I have ever read. (D. K., New York, NY)

    An explanation of the complicated rules on withdrawal, written for ordinary people. (Hank Ezell Atlanta Journal Constitution 2009-01-01)

    Belongs on the bookshelf of anyone with an IRA, 401(k) or other type of qualified retirement plan. When the inevitable questions come up, here's where you'll find the answers. (Kiplinger's Personal Finance 2009-01-01)

    Twila Slesnick... literally wrote the book on 401(k) plans... (Joe Ducy KRON TV 2009-01-01)

    An excellent starting point... (Money Magazine 2009-01-01)

    Finally, a book about retirement plans that should find a place on home bookshelves as well as in professional libraries. Anyone with an IRA or a plan at work will find accurate and easy-to-understand answers to almost any question. (Charles R. Purnell Pillsbury Madison & Sutro LLP 2009-01-01)

    The authors describe in everyday language the IRS' finicky rules for withdrawing your money from a retirement plan and warn of taxes and penalties for those who make a false step. It's a valuable resource indeed. (Ann Perry San Diego Union-Tribune 2009-01-01)

    Few resources are as valuable when it comes to financial planning in later life. (The Wall Street Journal 2009-01-01)

    Uses everyday language to describe Internal Revenue Service rules for making withdrawals from retirement plans. (The Wall Street Journal 2009-01-01)

    Review
    "An explanation of the complicated rules on withdrawal, written for ordinary people."

    Most helpful customer reviews

    103 of 104 people found the following review helpful.
    Pay attention to the sub-title (Mar 2011 update)
    By Catherine Michael
    The reviewer plugging the "MarketBuster" book has totally missed the point of this NOLO book, which is given in the subtitle: Taking Your Money Out. The reviewer is talking about strategies for growing your account.

    When you're in the savings/growing mode you're in a whole different situation than you're in when you're having to withdraw and/or live off your account. Going from one to the other requires a major change in strategy and, more important, a MAJOR change in mindset and, often, life style.

    You're confronted with a whole new set of regulations, whether the reason for the change is retirement, inheriting an account, etc. The biggest change in mindset is that instead of the pleasant pre-retirement situation of watching the money accumulate, you have to recognize that you're now going to be watching it DECLINE. And unless you've got a tremendously more than sufficient account, you're going to have to live with the knowledge that you could outlive the account, possibly due to your own mistakes, some of which this book can help you avoid.

    Four years ago I was confronted with making this shift a whole lot sooner than I'd planned, and with getting control of my retirement accounts under conditions where I had little help. Without the previous edition of this NOLO book, I would have been totally lost and probably made serious mistakes.

    Now, one caveat: This book does not tell you how to MANAGE your withdrawals and account so as to produce INCOME; as one should expect from NOLO press as a LEGAL advice publishing house, it deals with the nuts, bolts, traps and hazards of the PROCESS of getting the money out.

    In my situation I also found that there is not a whole lot of good material out there on the subject of managing your money and account IN the WITHDRAWAL stage, and this subject is affecting more and more people, as the country shifts from defined benefit (pensions) plans to plans like 401Ks and IRAs that place the job of investing and managing on the individual. (Written 2005)

    The above paragraph is still true (Mar 2011), but with the "boomer wave" of retirements hitting the advice industry, the situation is beginning to change. I'm seeing more professional literature about managing accounts for income and sustainability and the use of more realistic/conservative estimates of expected returns. Catch 22 right now is that most investments these days with acceptable risk are also virtually income-less. (CDs, USA bonds).

    It is a whole lot more complex, risky, and stressful than most people realize, especially considering the general abysmal education (lack of) even young people receive on the subject, let alone people my age who were raised to count on pensions, etc. (And thank goodness for Social Security, which while far from adequate, can still supply a firm base of about 30 to 50% of a retirement income; although that's another issue)

    So I recommend this book as essential for the basic procedures, but you will also need additional information on how to manage your income account(s). Personally, in addition to a good fee based financial planner, I found invaluable help from folks who have actually been doing the job for years, especially in the forums of Morningstar, for example. But you have to be on constant alert for scamsters and the whole "how to be a billionaire" publishing crowd. You're going to have to invest some serious time and effort in educating yourself for a the whole new job of retirement, and this book is an excellent place to start, preferably BEFORE you actually have to start TAKING YOUR MONEY OUT.

    43 of 43 people found the following review helpful.
    Single Best Resource Book on Retirement Plan Distributions
    By A Customer
    In my career, I work almost exclusively with retirees, and I have found this book to be the best resource for Retirement Distributions. It explains the rules in a concise manner, and includes the special rules for Roth IRAs. This is an especially good reference book for advisors because it goes in depth- not just the basics.

    49 of 50 people found the following review helpful.
    Thorough coverage for the tax professional. Easy to use.
    By A Customer
    I do taxes. I have been a "tax professional," working for a reputable CPA firm, for eighteen years.
    I imagine that most people think that we always read the most obscure laws, regulations and treatises on tax subjects before we make our decisions and recommendations. The fact is that most professionals are delighted to find publications which make good information easy to find. This book does that.
    "How to Take Your Money Out" gives thorough coverage to a very complicated subject. Equally important is that it is almost enjoyable to read and that finding what you are looking for is easy. It is well organized and well indexed. When I looked for answers, I found them, on the first shot.
    There are plenty of people, both professionals and taxpayers, who are wondering what to do about IRA and other retirement plan distributions. Having this book on the shelf will give you confidence that you'll know where to look when you need the answers.

    See all 57 customer reviews...

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  • Rabu, 15 April 2015

    >> Free PDF The Wadsworth Casebook Series for Reading, Research and Writing: Trifles, by Laurie G. Kirszner, Stephen R. Mandell

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    The Wadsworth Casebook Series for Reading, Research and Writing: Trifles, by Laurie G. Kirszner, Stephen R. Mandell

    Part of THE WADSWORTH CASEBOOKS FOR READING, RESEARCH, AND WRITING SERIES, this new title provides all the materials a student needs to complete a literary research assignment in one convenient location.

    • Sales Rank: #707894 in Books
    • Brand: Brand: Cengage Learning
    • Published on: 2003-10-14
    • Released on: 2003-10-14
    • Original language: English
    • Number of items: 1
    • Dimensions: 8.50" h x .33" w x 5.50" l, .38 pounds
    • Binding: Paperback
    • 144 pages
    Features
    • Used Book in Good Condition

    Review
    About the Series. Preface. 1. INTRODUCTION. Trifles: Making It New. 2. LITERATURE. About the Author: Susan Glaspell. Trifles. Discussion Questions. Research Topics. 3. SECONDARY SOURCES. Ben-Zvi, Linda. From " 'Murder, She Wrote': The Genesis of Susan Glaspell's Trifles." Susan Glaspell: Essays on Her Theater and Fiction. Ed. Linda Ben-Zvi. Ann Arbor: U of Michigan P, 1995. Alkalay-Gut, Karen. "Murder and Marriage: Another Look at Trifles." Susan Glaspell: Essays on Her Theater and Fiction. Ed. Linda Ben-Zvi. Ann Arbor: U of Michigan P, 1995. Mael, Phyllis. "Trifles: The Path to Sisterhood." Literature/Film Quarterly 17.4 (1989). Stein, Karen F. "The Women's World of Glaspell's Trifles." In Women in American Theatre. Rev. and expanded ed. Ed. Helen Krich Chinoy and Linda Walsh Jenkins. New York: Theatre Communications, 1987. Glaspell, Susan. "A Jury of Her Peers." Mustazza, Leonard. "Generic Translation and Thematic Shift in Susan Glaspell's Trifles and 'A Jury of Her Peers.' " Studies in Short Fiction 26.4 (1989). 4. SAMPLE STUDENT RESEARCH PAPER. Surrogate Jurors. 5. BIBLIOGRAPHY. Works by Susan Glaspell. Works of General Interest about Susan Glaspell. Critical Appraisals of Trifles and "A Jury of Her Peers." Film Adaptation. World Wide Web Sites. 6. APPENDIX. A Guide to MLA Documentation Style. Credits.

    About the Author
    Laurie G. Kirszner is a best-selling author who is well known nationally. Kirszner, together with coauthor Stephen R. Mandell, has written best sellers for nearly every English market. They have the deepest publishing record of any literature anthology author team and have successfully published up and down the curriculum from developmental to literature.

    Stephen R. Mandell is a best-selling author who is well known nationally. Mandell, together with coauthor Laurie G. Kirszner, has written best sellers for nearly every English market. They have the deepest publishing record of any literature anthology author team and have successfully published up and down the curriculum from developmental to literature.

    Most helpful customer reviews

    0 of 0 people found the following review helpful.
    Great
    By Heidi Zibura
    Great book, needed it for a class. Includes not only the play, but many reviews and essays, etc. Arrived in new condition and was a great deal.

    See all 1 customer reviews...

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    Minggu, 12 April 2015

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    The only book that helps entrepreneurial retirees figure out how to get that dream business up and running!

    If you plan to retire and start your own business then this one-of-a-kind book is ideal for you.

    A comprehensive, step-by-step guide, Retire – And Start Your Own Business is packed with practical, hands-on tools to help entrepreneurs like you pick and run a perfect business.

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    • Sales Rank: #2107493 in Books
    • Brand: Nolo
    • Published on: 2008-05-01
    • Ingredients: Example Ingredients
    • Original language: English
    • Number of items: 2
    • Dimensions: 9.04" h x .68" w x 6.98" l, 1.22 pounds
    • Binding: Paperback
    • 336 pages
    Features
    • Used Book in Good Condition

    From the Publisher
    Create the business and the life you've always wanted

    About the Author
    Dennis Sargent was the Director of the Small Business Development Center at Linn-Benton Community College in Albany, Oregon. He has advised over a thousand small business owners and taught numerous seminars. Dennis is the author of Your Business Plan, published by the Oregon Network of Small Business Development Centers, now in its fifth edition, with nationwide sales of over 100,000 copies. He is also a lead author of NxLevel: A Guide for Entrepreneurs. Recently, Dennis was part of a team that wrote a business planning book for use by the Oregon Native American Business and Entrepreneurial Network (ONABEN). Dennis is a Certified Public Accountant and earned his Masters of Science in Business at Oregon State University.

    Martha Sargent is a retired Associate Professor of Business at Western Oregon University. She designed, initiated and taught in the Entrepreneurship program at the university. Martha is the primary author of the Instructor's Guide to Your Business Plan, published and distributed by the Oregon Network of Small Business Development Centers. She is a lead author of NxLevel: A Guide for Entrepreneurs, business training materials published by the Western Entrepreneurial Network, used throughout the United States. In 2004, Martha received the university's Excellence in Teaching Award. Martha is a Certified Public Accountant and former Certified Management Accountant, and received her MBA from Oregon State University.

    Most helpful customer reviews

    4 of 4 people found the following review helpful.
    Very Basic Introduction
    By Lynellen Perry
    This is a great introductory book. It is far too basic for anyone who has been involved in the high-level management of a company during their career.

    Step One is "Focus on yourself". 46 pages help you look at "what you want to do in retirement, what you value in life, where you want to live." A fascinating look at yourself to see if you even want a business or if other things are more important to you at your particular stage of life.

    Step Two is "Inventory your resources". 56 pages examine your "skills, time, and money" available.

    Step Three is "Generate great business ideas." 37 pages "show you lots of ways to find exciting business ideas." This part of the book was more vague and not as helpful as I was expecting it to be.

    Step Four is "Choose your best busines idea." 34 pages "walk you through a series of reality checks." Much more content should have been developed here.

    Step Five is "Get ready to launch your business." 71 pages review the basics: "legal issues, how to finance your business and write a sound business plan, how to handle income taxes and find good health insurance." Very basic overview of these topics would be good for anyone who has never had exposure to the information at all.

    3 of 3 people found the following review helpful.
    Great resource for retirees
    By Sharon R. Ross
    "Retire--and Start Your Own Business" is a very useful, practical resource
    for retirees like me who are considering starting their own business. The book is full of examples, anecdotes and short, simple exercises to help the reader work through all the important considerations in starting a business. The authors walk the reader through a very logical process, using clear jargon-free language. I chose not to read the book cover-to-cover, but instead focused on the topics that were of the most interest to me. The book's layout made that very easy to do. The authors point the reader to many additional resources which I appreciated. I would recommend this book to friends and family without reservation!

    3 of 3 people found the following review helpful.
    Don't Pass This Book By!
    By Amazon Customer
    Excellent, thorough book covering aspects of starting a business beyond writing a business plan.
    This book is for anyone entrepreneurial, not just retiring folks; I wish I had it years ago.
    I have worked as a consultant, and tried to start a business, and found myself limited by, and unable to find, pertinent information that I needed to be successful. For me that was the accounting and tax portions of the business, pre-internet it was hard to figure out, and expensive to hire an accountant. This book covers everything you need and more, as it takes you on a personal self exploratory journey.
    It's good reading even if you don't start a business.
    Highly recommended.

    See all 43 customer reviews...

    Retire - And Start Your Own Business: Five Steps to Success, by Martha Sargent, Dennis Sargent PDF
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    Sabtu, 11 April 2015

    ~~ PDF Download The Small Business Start-Up Kit for California, by Peri H. Pakroo J.D.

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    The Small Business Start-Up Kit for California, by Peri H. Pakroo J.D.

    The best step-by-step guide to starting a business in California!

    If you dream of starting a business, but fear that, without an MBA, you'll get lost in the maze of government red tape here's the handbook you need.

    The Small Business Start-Up Kit for California outlines how to set up your enterprise in the Golden State quickly and easily, pointing out the hurdles, fees and forms along the way. Clear and straight to the point, the book explains how to:

  • choose the best business structure
  • write an effective business plan
  • file the right forms in the right place
  • price, bid and bill your projects
  • draft and use contracts, online and off
  • manage your finances
  • be prepared for, and file, required taxes
  • reach customers online
  • and much more

    The 8th edition is completely updated, and includes new chapters on e-business and doing business from home. It also covers the latest California-specific business information, including sales tax rates by county, registration forms and fees. Updated forms and business-planning spreadsheets are included on CD-ROM.

    • Sales Rank: #1543057 in Books
    • Brand: Brand: NOLO
    • Published on: 2010-03-05
    • Original language: English
    • Number of items: 2
    • Dimensions: 11.00" h x 1.00" w x 8.50" l, 2.12 pounds
    • Binding: Paperback
    • 384 pages
    Features
    • Used Book in Good Condition

    Review
    "The Small Business Start-Up Kit for California puts all the California-specific information you need to begin your business -- right at you fingertips." (San Francisco Chamber of Commerce 2008-02-04)

    An excellent resource for beginners... written specifically for entrepreneurs who want to start their own business in California." (StartupJournal.com 2008-04-08)

    Excellent advice... for would-be small-business owners, and heeding it can help you avoid many early mistakes." (Los Angeles Times 2008-03-01)

    "Provides step-by-step instructions for setting up a small business in California and guiding it safely through its first year and beyond." (Reference & Research Book News 2008-01-05)

    From the Publisher
    Updates
    Here are summaries of important legal or procedural changes that affect the latest edition of this product. If you want to check on the accuracy of any other information in the book, please follow the legal research instructions in the book or in Nolo's research manual, Legal Research: How to Find and Understand the Law.

    What's New in the 7th Edition of Small Business Start-Up Kit for CA

    Overview of What's New

    The new edition is revised and updated to include the latest business, legal, and financial information, including:

    A new chapter focusing on marketing and promoting your business inexpensively.
    A new section that explains the basics of search engines in electronic commerce. This section helps readers decide whether search engine optimization is important for their business and offers sensible strategies for improving search engine results.
    New material about hiring and managing employees, including discussing the importance of carefully defining positions and writing job descriptions before beginning the hiring process, and establishing periodic and regular review processes.

    Chapters Most Affected

    Chapter 12 is an entirely new chapter on marketing, which includes discussions about defining a businesses market, conducting market research, and cost-effective marketing tools, such as networking and community relations.

    Chapter 13 discusses how to drive more traffic to a businesses website by using search engine optimization (often called SEO), inbound links, keywords, and other methods.

    Chapter 15 includes a new section about hiring and managing staff, including discussions about the importance of creating job descriptions, job reviews, and employee handbooks.

    Appendix A (a comprehensive list of resources and contact information for government and small business agencies) has been thoroughly updated.

    Forms That Have Changed The following forms are updated:

    IRS Form SS-4
    IRS Instructions for Form SS-4
    IRS Form 8716
    IRS Form SS-8
    IRS Form 8832

    About the Author
    Peri Pakroo is a business and communications consultant, specializing in legal and start-up issues for businesses and nonprofits. She has started, participated in, and consulted with start-up businesses for 20 years. She owns and runs P-Brain Media (www.pbrainmedia.com), a strategic consulting and communications firm that develops information-rich media for web, print, video and other formats. Peri received her law degree from the University of New Mexico School of Law. She is the author of The Women's Small Business Start-Up Kit, The Small Business Start-Up Kit (national and California editions) and Starting and Building a Nonprofit ( all from Nolo), and has been featured in numerous national publications including Entrepreneur, Real Simple, Investors Business Daily, and BusinessWeek. She is active in supporting local, independent businesses and is a co-founder of the Albuquerque Independent Business Alliance. Visit Peri's blog at www.peripakroo.com.

    Most helpful customer reviews

    60 of 62 people found the following review helpful.
    Excellent Book
    By Amazon Customer
    This is my first book review, because this is the first book I've purchased where I've truly felt moved to tell people how excellent it is. If you are starting up a small business in California, this book is invaluable. It tells you where to find all of the information you'll need to start up your business, in easy to understand terms. Also includes a CD-ROM with lots of forms. All of her advice is really helpful and I find myself going back to the book all the time. Just knowing it's there makes me feel better!
    She includes URLs to web sites with information - and even tells you what other books to get on a subject she doesn't cover too in-depth. And all the information you need is easy to find.
    5 stars!

    34 of 34 people found the following review helpful.
    FINALLY, A BUSINESS START UP BOOK FOR THE REST OF US
    By A Customer
    Well worth the price! It answered every question I had -- and answered a lot of questions I hadn't even thought about. Really easy to understand and set up in a smart way - going through the steps you would when creating a business. The section on "hobby or business" is the best explanation I ever read about that stuff. Much better than going to a lawyer and has lots of first person battle stories. Even if you've got a Cal business going -- this book is still cool!! HIGHLY RECOMMENDED!

    33 of 33 people found the following review helpful.
    Excellent tutorial and reference
    By A. McFadden
    Everything you need to know about starting a small business in California is in here. What legal structure to choose, which agencies you need to deal with, what forms you need and where to get them, web addresses, phone numbers, and all the details.
    It also has a wealth of information on running a business, including information on accounting, taxation, and employees. It's well organized and easy to read.
    The only gaps are in some of the details on forming LLCs and corporations. The reader is referred to other Nolo books for the gritty details. If you're forming a partnership or sole proprietorship -- probably the most common types for "cottage industry" -- the book is reasonably complete.

    See all 34 customer reviews...

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  • Jumat, 10 April 2015

    ! Free PDF School Climate 2.0: Preventing Cyberbullying and Sexting One Classroom at a Time, by Sameer Hinduja, Justin W. Patchin

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    School Climate 2.0: Preventing Cyberbullying and Sexting One Classroom at a Time, by Sameer Hinduja, Justin W. Patchin


    Empower students and staff to prevent cyberbullying and sexting

    When students receive hurtful, threatening, or sexually explicit electronic messages, it affects their ability to concentrate on schoolwork. Renowned cyberbullying experts Sameer Hinduja and Justin W. Patchin connect the off-campus, high-tech behaviors of teens to the school environment and provide educators with a road map for developing a positive school climate that counteracts cyberbullying and sexting. Specific strategies include:

    • Building a sense of community
    • Peer mentoring
    • Social norming
    • Data-driven action plans
    • Youth grassroots campaigns
    • Multi-pronged policy and programming approaches by adults

    Included are real-life stories that help illustrate the research and a companion website with everything you need to bully-proof your school.

     

    • Sales Rank: #757580 in Books
    • Brand: Corwin
    • Published on: 2012-04-10
    • Original language: English
    • Number of items: 1
    • Dimensions: 9.80" h x .80" w x 6.90" l, .95 pounds
    • Binding: Paperback
    • 216 pages
    Features
    • Building a sense of community
    • Peer mentoring
    • Social norming
    • Data-driven action plans
    • Youth grassroots campaigns

    Review
    "Amidst the hysteria surrounding cyberbullying and sexting, Hinduja and Patchin represent a sane, sensible voice that helps us all better understand these phenomena and what is really happening here. This book is filled with useful information and practical tips for those who seek to create positive school climates where bullying of all kinds is minimized. Every educator should buy it and read it.” (Kevin Jennings, Former Assistant Deputy Secretary of Education for Safe and Drug Free Schools 2012-01-10)

    “It is critical that educators, school administrators, parents, and technology companies work together to promote positive behavior – online and off. This practical guide provides important information, backed up by careful research, about the ways that adults can help build constructive dialogues and relationships with students.” (Joe Sullivan, Chief Security Officer 2011-12-21)

    “Working with schools around the country, I know firsthand how much pressure there is to find an “answer” to bullying in schools, whether because of recent laws mandating programs and training or the community demanding answers. It’s hard to know what resource is best. It’s especially confusing because a bullying-prevention industry has bloomed to take advantage of this need but so many of these programs lack content based on a realistic analysis. I’m not at all surprised that Justin Patchin and Sameer Hinduja have created the resource all schools should use in School Climate 2.0, either to meet the new legal requirements or truly do the hard and comprehensive work of creating a culture of dignity in a school. From understanding the true dynamics of cyberbullying, to outlining a commonsense strategic plan for educators that will work with their individual community, School Climate 2.0 to my mind is really the most important resource currently available. I will more than strongly advise every school I work with to use this book. Say it this way: if I could make School Climate 2.0 mandatory reading for every school administrator in the country, I would.” (Rosalind Wiseman, Author of Queen Bees and Wannabes)

    "A rarely seen compendium of school strategies that have worked, School Climate 2.0 moves past the headlines to offer a textured discussion of what we really need to strengthen school culture and improve teens’ and schools’ relationships to social media." (Rachel Simmons, Author of "Odd Girl Out")

    "Blaming technology is easy. Addressing the socio-cultural dynamics that shape young people’s lives is hard. Yet, to address hard problems like bullying and sexting, this is precisely what we need to do. In School Climate 2.0 Sameer Hinduja and Justin W. Patchin flesh out the relationship between technologically mediated issues and school climate before offering valuable strategies for educators and community members to address problems in their schools. Both grounded and practical, this is a must-read for all who are scratching their heads about how to prevent bullying and sexting." (Danah Boyd, Senior Researcher)

    "Finally, a book that takes a holistic approach to the cyberbullying problem! There is no dividing line between school and home when it comes to the ways members of this generation relate to one another. A positive school climate can only help create a more positive home environment, and vice versa. This book gives readers specific guidance regarding how to prevent cyberbullying, sexting, and other problematic online behaviors." (John Halligan)

    "School Climate 2.0 is a wise and practically helpful book. The authors are national leaders in cyberbullying. They present a helpful overview to the problem and most importantly a series of concrete suggestions about how we can make our schools safer, more supportive and engaging. In addition, the book is filled with “voices from the field”, prevention points, discussion questions at the end of the chapter which all serve to make this volume practically helpful to educators. I highly recommend it!" (Jonathan Cohen, President)

    "By cutting through all the media hype and speculation, Hinduja and Patchin present an accurate and helpful analysis of issues related to young people’s use of technology. By pointing out that the vast majority of youth are using technology safely and responsibly, they’re able to focus on the real issues, the real problems, and the kids who need our help. By basing their advice on rigorous research, they are able to come up with strategies that are effective and appropriate. I’m especially pleased that the authors focus on social norms and school climate by sharing insights into how the overall climate of a school affects the behavior of everyone in it." (Larry Magid, Technology Journalist and Internet Safety Advocate)

    "This is an immensely helpful and well-sourced book. It gives a thorough introduction to adolescents’ use of new technologies and sexting and cyberbullying. It makes a strong case that school climate is a vital factor in regulating these abuses. There are excellent chapters on how practical intervention strategies can be implemented in schools. It will be a great resource for teachers, educators, and parents." (Peter K. Smith, Emeritus Professor)

    "While Sameer Hinduja and Justin Patchin have a history of providing leadership in solid research and effective outreach on issues of youth risk in a digital age, in this book they have massively outdone their past excellence. Grounded in the understanding that the majority of young people make good choices online and effectively handle the negative situations that do occur, but that a minority of young people are at higher risk, Hinduja and Patchin craft recommendations for a positive school climate approach to help all young people learn to make good choices and assist their peers." (Nancy Willard)

    "Sameer Hinduja and Justin Patchin remind us early on that, contrary to most media hype, most young people use their ubiquitous technologies safety and responsibly the majority of the time. Then, they discuss how a positive school climate is fundamental for all of learning and teaching. They share innovative, pragmatic strategies to enhance climate and thereby foster a better social environment― which will reduce behavioral problems offline and online among youth. This very readable, very user-friendly book should be considered mandatory for all preservice teacher education programs and be used as a guide for planning ongoing inservice training as schools prepare to better meet the needs of their 21st century students." (Mike Donlin, Cyberbullying and Digital Safety Consultant)

    "This book shared valuable information about social networks and texting that increased my awareness of their prevalence and potential legal consequences of student misuse." (Carol S. Cash, Assistant Professor 2011-10-28)

    "This book will help administrators lead their schools to form and keep policies that reduce or eliminate cyberbullying." (Brigitte Tennis, Headmistress 2011-10-28)

    About the Author

    Dr. Sameer Hinduja is a professor in the School of Criminology and Criminal Justice at Florida Atlantic University and Co-Director of the Cyberbullying Research Center (www.cyberbullying.org). He is recognized internationally for his groundbreaking work on the subjects of cyberbullying and safe social networking, concerns that have paralleled the exponential growth in online communication by young people. Outside of research and evaluation expertise, Dr. Hinduja provides training to schools, youth organizations, parents, and teens on how to avoid online victimization and its real-world consequences. His interdisciplinary work is widely published and cited, and has been featured in numerous local, state, national, and international media outlets.



    Justin W. Patchin, Ph.D., is a professor at the University of Wisconsin-Eau Claire. He received his Ph.D. from Michigan State University. His research explores the intersection of teens and technology, with particular focus on cyberbullying, online social networking, and sexting. He travels around the United States (and abroad) training educators, counselors, law enforcement officers, parents, and teens on how to prevent and respond to adolescent misuses of technology. Dr. Patchin is Co-Director of the Cyberbullying Research Center (www.cyberbullying.org) and has written six books and numerous articles on adolescent behaviors online. He has spoken at the White House and the FBI Academy, and has appeared on CNN, NPR, and in the New York Times to discuss issues related to teens' use and misuse of technology.

    Most helpful customer reviews

    2 of 2 people found the following review helpful.
    Important, timely, and accessible
    By Lissa Albert
    *In the spirit of full disclosure, I was honored to have been asked by the authors to provide a small "breakout box" segment, providing insight into the Canadian initiatives being introduced by students who are working to raise awareness of cyberbullying. Truth be told, this is a book I would have gotten no matter what, as you'll see from my review*

    I first became familiar with the topic of cyberbullying in doing research for my Masters thesis. In doing so, I referred often to the authors' first book Bullying Beyond the Schoolyard: Preventing and Responding to Cyberbullying. Reading it from cover to cover, I not only learned about cyberbullying in as comprehensible a fashion as possible, I also learned how to cope with incidents, as well as how to TEACH the subject. Then came Cyberbullying Prevention and Response: Expert Perspectives and once again, from the authors themselves as well as other experts, I learned even more about the topic, why it's important, and how to deal with the behavior.

    Having graduated now, I am a Cyberbullying Educator, and more than ever, the topic is crucial to the well-being of our society. This book addresses the link between the school environment and cyberbullying/sexting. That is vital, because with the nature of cyberbullying (more often than not, taking place off school grounds, and not during school hours), many educators ask, "why is this my problem? Why is this an educational problem?" "School Climate 2.0" answers those questions, and more. The book provides educators with the needed questions they should be asking of themselves, their schools, and their students. Many educators - already overtasked with curricular responsibilities - may feel the challenge of recognizing cyberbullying and its effects a daunting one. There's no question it is. But Drs. Hinduja and Patchin address those concerns with clear, organized, and research-based chapters that include concrete examples, actual cases, illustrations of the behaviors being discussed and practical steps to take to prevent, respond, and understand what is going on with youth and technology-based communication.

    The book delves deeply into adolescent behavior, providing valuable insight into how kids are using technology and how technology is abused. So often, I hear asked (or am asked myself), "why is cyberbullying such a problem today? What is different?" The authors answer those questions in such sections as "Why do teens engage in sexting?" and "whom do targets tell about their experiences with cyberbullying?"

    Besides practical information, this book thoroughly deals with the rights of the school and personnel on a legal, and ethical level. With laws being tabled that are designed to prevent bullying and cyberbullying, this aspect of the field is in the spotlight. With jargon-free chapters, the authors walk us through effective prevention, responses, and policies every educational institution should know and uphold.

    Many reference books are useful only when needed, i.e. keep it on the shelf and refer to it when you need to know about some specific aspect of your topic. This one - as with its predecessors - is a book one can read, all the way through, and come out at the other end knowing there has been a profound knowledge base achieved. The writing is accessible, the information is imperative for every stakeholder, and the beneficiaries are our children because we are better armed with knowledge on how to best help them when cyberbullying becomes a problem; as you'll learn from this book, and its predecessors, cyberbullying is likely to become a problem for mostly every kid at some point. If it is their problem, it is ours. And it is our responsibility to know how to be there for them with the appropriate answers when we're needed.

    I recommend this book to everyone - parents, educators (from the support staff, to teachers, principals and guidance counselors), and students. In fact, anyone who cares about the future of our society, who recognizes that technology is here to stay but must be re-examined in terms of how it can be misused, must read "School Climate 2.0"

    0 of 0 people found the following review helpful.
    An important resource for educators and parents
    By Justin Smith
    Hinduja’s and Patchin’s School Climate 2.0 covers two very recent and troubling trends amongst teenagers, cyberbullying and sexting. The authors begin with an overview of both concepts, and each is defined thoroughly, yet the definitions are easy to comprehend and digest. In addition, the text is full of many real life examples, ripped from the headlines, of cyberbullying and sexting incidents that have gone viral and led to serious problems including school shootings, and teen suicide. Hinduja and Patchin showcase empirical research that demonstrates the real frequency of cyberbullying and sexting; perhaps not surprisingly, neither are as a common as media distortions would have us believe. Yet, the authors assert that both are serious problems with very real psychological damage and fallout to be experienced by victims and tormentors alike. The authors use these revelations as a springboard for the discussion of a framework that educators can utilize to improve their school climate and strengthen it against cyberbullying and sexting. However, the book isn’t just for educators. It is filled with countless practical tips, suggestions and prevention strategies that parents should find beneficial as well. The only obvious downfall with a book of this nature is the change of technology. For instance, the book was published in 2012, and contains no reference to SnapChat. SnapChat, in particular, poses a serious problem. While Hinduja and Patchin stress that teens are likely to dismiss the problems of sexting due to lack of forethought, SnapChat seemingly feeds this by enabling photos to be deleted instantly. Of course, the Internet being the Internet, nothing is completely deleted. However, programs like SnapChat are likely to lure teens in to an even greater sense of false security about sexting behaviors. Thus, a separate discourse on untangling the specific logic behind SnapChat based sexting might be a nice addition to a future version of the text. Otherwise, the text is a through and concise overview of cyberbullying and sexting with emphasis on prevention and response.

    0 of 0 people found the following review helpful.
    Must Read
    By Veronica Hernandez
    To say that the book School Climate 2.0, by Dr. Hinduja and Dr. Patchin is phenomenal in creating awareness and sharing knowledge and best practices about this online problem would be an understatement. Cyberbullying is a comparatively new issue across the world. Along with the inventions of communications technology comes great benefits but also great risks that can’t be ignored. Cyberbullying is a topic that needs to be taken seriously. Before a bully would only have power over their victims on occasions where they would physically interact with their victims. With new ways of interacting there comes new ways of hurting others. Texting, social media, and the internet itself were created for a beneficial purpose. Unfortunately, it is now being misused as mediums to hurt others in a way that can affect the victims at all hours of the day. In my honest belief and strongest opinion I believe that this book should be used in the education system to create more awareness to teens themselves and make them realize that social media, texting, and other forms of technology can become dangerous with misuse that can lead to severe consequences. It is never right to bully someone online and it is never right to send explicit photographs of oneself that we would never want other people to see. This book not only informs readers of the dangers of cyberbullying and sexting but it also encourages the reader to take action and fight against these major issues before they become an epidemic. What makes this book stand out is the connection that the authors establish with the readers. Any scholar can become interested in this topic and begin research on it, but when someone who has experienced the phenomenon as a child decides to dedicate their life to educate and help prevent bullying it brings more passion and insight to the topic. This is no ordinary book - it is a must read for everyone who works in schools these days.

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    Kamis, 09 April 2015

    # PDF Download IELTS Upper-Intermediate: Workbook (Exam Essentials) (Bk. 2), by Richard Hallows, Martin Lisboa, Mark Unwin

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    IELTS Upper-Intermediate: Workbook (Exam Essentials) (Bk. 2), by Richard Hallows, Martin Lisboa, Mark Unwin

    Book by Hallows, Richard, Lisboa, Martin, Unwin, Mark

    • Sales Rank: #8133381 in Books
    • Brand: Brand: Heinle ELT
    • Published on: 2006-07-26
    • Original language: English
    • Number of items: 1
    • Dimensions: 11.00" h x 8.50" w x .25" l, .52 pounds
    • Binding: Paperback
    • 96 pages
    Features
    • Used Book in Good Condition

    About the Author
    Richard Hallows: BSc Hons, RSA Diploma (Distinction). Richard has been an EFL teacher for 12 years, a teacher trainer for 3 years and has been writing & presenting material for the BBC for 2 years. He has been teaching on EAP courses for 3 years at both London Metropolitan University, and University of Sussex.

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    Rabu, 08 April 2015

    ^^ Ebook Convocacion de palabras: Lectura y redaccion (World Languages), by Raquel Halty, Angela Labarca

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    Ideal for helping you develop Spanish writing proficiency and critical thinking at the intermediate-to-advanced level, CONVOCACIỐN DE PALABRAS: LECTURAS Y REDACCIỐN. By reading and discussing of literary texts from Spain and Spanish-speaking America, you'll develop the strategies you need to read a literary selection, analyze it for meaning, and react to it personally. Activities help you develop skills for approaching literature more effectively and to use those skills across disciplines to ensure your comprehension and enjoyment of literature as a whole.

    • Sales Rank: #707181 in Books
    • Brand: Brand: Cengage Learning
    • Published on: 2005-05-17
    • Original language: Spanish
    • Number of items: 1
    • Dimensions: 9.00" h x 7.25" w x .50" l, 1.05 pounds
    • Binding: Paperback
    • 304 pages
    Features
    • Used Book in Good Condition

    Review
    Preface. 1. AQUI, EN FAMILIA. "Martes no te cases," Esmeralda Santiago. "El amigo de El y Ella," Miguel Mihura. "La familia," Rigoberta Menchu. "Este domingo," Jose Donoso. "La salud de los enfermos," Julio Cortazar. 2. ENTRE HOMBRES Y MUJERES. "Complicaciones 1938," Julia Alvarez. "Kinsey Report: No. 6," Rosario Castellanos. "Tu me quieres blanca," Alfonsina Storni. "Carta de amor," Mario Benedetti. 3. DESENCUENTROS. "Imagenes Photoshop," Edmundo Paz Soldan. "Mata el caracol," Milagros Mata Gil. "El amante," Silvina Bullrich. "La Guerra y la paz," Mario Benedetti. 4. IDENTIDAD. "Balada de los dos abuelos," Nicolas Guillen. "Autorretrato," Rosario Castellanos. "Borges y yo," Jorge Luis Borges. "El hallazgo," Sergio Ramirez. 5. LA TRAMA SOCIAL. "Desde muy joven?" Angeles Mastretta. "'Por que me odias tu?" Domitila Barrios de Chungara. "Ritmos negros del Peru," Nicomedes Santa Cruz. "El delantal blanco," Sergio Vodanovic. "Convocacion de palabras," Tino Villanueva. 6. LA POLITICA Y EL INDIVIDUO. "La certeza," Roque Dalton. "La United Fruit Co.," Pablo Neruda. "Fuera del juego," Heberto Padilla. "Espuma y nada mas," Hernando Tellez. "El procer," Cristina Peri Rossi. Bibliografia. Glosario de terminos literarios.

    About the Author
    Raquel Maria Halty (Ph.D., Harvard University), a native of Uruguay, has lived extensively in Uruguay, France and the USA. Professor Halty has been a member of the Simmons College faculty for many years, prior to which she was a member of the faculty at Northeastern University and Tufts University. She teaches language courses, as well as a variety of advanced courses in literature and civilization. She is currently teaching several courses ranging from an introduction to Latin American literature, to contemporary fiction and cultural history. She is particularly interested in the relationship between politics and art in Latin America, as well as the works of women writers. She serves as Director of the Graduate Program in Spanish and Director of the Simmons in Cordoba Program, which she founded, and has been a member of the International Relations Program Steering Committee since its inception. She has also been instrumental in establishing the Short-Term-Courses Abroad program. She is a member of the Board and Executive Committee of the International Institute in Spain, a Massachusetts Charitable Corporation.

    Angela Labarca (Ph.D., Ohio State University), a native of Chile, is Professor of Spanish and Director of the Spanish LBAT program in Madrid and the intermediate program in Valencia. She has published several articles and chapters in volumes on the psycholinguistics of second language reading and testing, and has co-edited two books on second language acquisition. She has also written or co-authored more than 18 textbooks for the teaching of Spanish and English at all levels as well as standardized Rasch-analyzed language tests. In a career spanning 34 years of college teaching in four major universities, she has taught all language levels, including Scientific, Business and Medical Spanish and English. She has also taught numerous graduate courses on language acquisition research and testing, has directed dissertations and a research program, and trained instructors and TAs. She is very active on the international level and has taught at the Universities of Rome, Seville and Sofia, and trained instructors in Argentina, Bulgaria, Germany, and Italy. In the U.S., she is a technical translator and language and culture consultant to the profession, universities and corporations.

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    0 of 0 people found the following review helpful.
    Five Stars
    By Health Diva
    Excellent, condition. Thank you!

    1 of 1 people found the following review helpful.
    Just another Spanish textbook
    By Doug
    This textbook is fine. Nothing too special. I do like the stories in there from Spanish-Speaking authors. It is great practice. When I bought it, Amazon was the cheapest, by far.

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    Perfect!!
    By Kristina
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