The Elements of Design: Rediscovering Colors, Textures, Forms, and Shapes
March 24, 2008
The bark of a plane tree in Paris, a detail of a cotton towel in Japan, sunset in the Egyptian desert, soil from Yosemite, a tiled floor in Bangkok, a wall in Ferrara, an iron cart wheel in Antwerp…. Colors, textures, forms, and shapes are the basis of this unique book that reveals the elements common to all design and literally teaches us how to see. Hauntingly beautiful and deeply instructive, it surveys the environment, natural and man-made, showing how it can be defined in terms of basic elements: variable arrangements of dots; lines that are straight, curving, bending, or crossing; planes such as rectangles, squares, lozenges, triangles, and circles. All these are represented, with telling juxtapositions, in a wide range of materials and techniques, in one sense timeless and universal, in another datable and culturally conditioned. Ever-recurring design elements, they take us to the heart of the creative process: a transformation that may involve inspiration or imitation, representation or interpretation. Destined to become a cult book for artists, designers, and craftspeople, this amazing volume is a reminder of how the search for something new is a voyage of rediscovery into past and present form. 177 color photographs.
2008 Uncle Sam’s Money Machine - Federal Grants and Government Assistance, Grant Writing Resources, Funding Lists, Loans, Programs (Ring-bound)
March 24, 2008
This unique ring-bound book, updated and revised with new material for this 2008 edition, provides a great collection of federal documents about grant writing and federal grants, with tips and resources about grantseeking and grant proposals, and excerpts with the best information from the official Catalog of Federal Domestic Assistance (CFDA) on the agencies offering grants and other forms of assistance! There is material on finding and applying for grant opportunities, information for applicants and grantees, detailed explanation of the grant application package, program listings, and the five critical steps in registering to apply for grants. Grant writing help includes: Developing a Grant Proposal; Community Support; Identification of a Funding Resource; Getting Organized to Write; Review; Basic Components of a Proposal; Outline of Goals; Problem Statement; Plan of Action; Long-Term Project Planning; Budget Planning; Guide to Funding Resources; Strategy for Getting an NIH Grant. Grant information includes: AGENCY PROGRAM INDEX - Types of assistance available through the programs are coded: A-Formula Grants; B-Project Grants; C-Direct Payments for Specified Use; D-Direct Payments with Unrestricted Use; E-Direct Loans; F-Guaranteed/Insured Loans; G-Insurance; H-Sale, Exchange, or Donation of Property and Goods; I-Use of Property, Facilities, and Equipment; J-Provision of Specialized Services; K-Advisory Services and Counseling; L-Dissemination of Technical Information; M-Training; N - Investigation of Complaints; O-Federal Employment. Included in the Agency Program Index is a chart to help users distinguish programs that provide financial assistance from those providing services and technical assistance. ALPHABETICAL INDEX OF PROGRAMS with codes - Everything from Abandoned Infants to Youth Opportunity Grants! APPLICANT ELIGIBILITY INDEX - Individual, Local, Nonprofit, State, U.S. Territories, Indian Tribal Organizations. FUNCTIONAL INDEX AGENCIES. SUBJECT INDEX (new to this edition).
The Complete Idiot’s Guide to Mortgages, 2nd Edition (Complete Idiot’s Guide to)
March 24, 2008
It pays to be in the know about mortgages.
An expanded and revised version of The Pocket Idiot’s Guide to Mortgages, this essential volume covers everything homebuyers and re-financers need to know. Coverage includes an overview of the application process, overcoming qualification hurdles, finding the right type of loan, when and how to refinance to save money, and much more.
• Contains the forms readers need as they move through the mortgage process, including a sample application, pre-qualification forms, re-finance worksheets, and mortgage payment and amortization tables
• Expanded, larger-format edition
• Features all the new, creative mortgage programs that have become popular
Personal Finance 101 - A Beginner’s Guide: What Every High School and University Student Needs to Know About Debt, Credit, and Money!
March 24, 2008
Everything that you need to know about basic personal finances, from how to open a checking account to getting credit cards to how to use credit wisely and to your advantage to how to avoid getting into trouble with debt and credit to how to get a loan or grant for university to basic investing ideas, and more is in this book! Filled with a wealth of knowledge to help you gain good personal financial habits and retire wealthy, Personal Finance 101 - A Beginner’s Guide is ideal for teens and twenty-somethings just starting out in the financial world. Parents will want to read this book with their young adults to give them the head start in financial life that they never received. Complete with numerous links to on-line resources, you’ll want to refer to this book over and over again!
How to Get the Best Home Loan, 2nd Edition
March 24, 2008
Save Time and Money-and Get the Loan That’s Right for You
Ever-changing mortgage guidelines . . . confusing financial forms . . . if you’re buying or refinancing a home, you know all too well how overwhelming and intimidating the mortgage process can be. This revised edition of How to Get the Best Home Loan guides you through all the critical issues and demystifies the mechanics of mortgage lending-everything from disclosures and fees to closing costs, points, and making payments. Longtime mortgage banking industry insider and former realtor W. Frazier Bell helps you sidestep the risks of financing a mortgage and sheds light on many unknown aspects that keep borrowers from making intelligent, money-saving decisions.
Written in clear, simple language, this comprehensive Second Edition features new information on desktop underwriting, merged credit reports, and using the Internet, as well as updated sections on verifications, qualifying, and loan types. Bell gives you hands-on access to his hard-won experience, providing the tools you need to:
- Understand why lenders do the things they do
- Learn what to look for when comparing loans and lenders
- Head off potential problems and expensive mistakes
- Navigate FRMs, ARMs, FHAs, GEMs, and TILs
- Know why certain loans may be better for you than others
- Save yourself hundreds, even thousands, of dollars
Packed with real-life examples, sample forms, and proven advice, How to Get the Best Home Loan, Second Edition will ensure that you get the right loan, at the right price, from the right lender.
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