Provides a preliminary examination of whether shippers of domestic surface freight pay the full social costs of the services that they use. This study is intended not to provide definitive answers as to whether shippers pay their full social costs, but rather to determine the feasibility of making such estimates.
Does fear and insecurity keep you from looking at your bank account? Is your financial anxiety holding you captive? You don’t have to stress about money anymore. YOU can take back control. As a newly divorced single mom making $24,000 per year and facing down $77,000 in debt, Kumiko Love worried constantly about money. She saw what other moms had—vacations, birthday parties, a house full of furniture—and felt ashamed that she and her son lived in a small apartment and ate dinner on the floor. Worse, when her feelings began to exhaust her, she binge-shopped, reasoning that she’d feel better after a trip to the mall. On the day she needed to pay for a McDonald’s ice cream cone without her credit card, she had an epiphany: Money is not the problem. Self-Doubt is the problem. Shame is the problem. Guilt is the problem. Society’s expectations for her are the problem. She is the solution. Once she reversed the negative thinking patterns pushing her toward decisions that didn’t serve her values or goals, her financial plan wrote itself. Now, she’s not only living debt-free in her dream home, which she paid for in cash, but she has spread her teachings around the world and helped countless women envision better lives for themselves and their families. Now, building on the lessons she’s taught millions as the founder of The Budget Mom, she shares a step by step plan for taking control back over your financial life—regardless of your level of income or your credit card balance. Through stories from navigating divorce to helping clients thrive through recessions, depression, eviction, layoffs and so much more, you will learn foundational practices such as: How to use your emotions to your financial advantage, instead of letting them control you How to create a budget based on your real life, not a life of self-denial How to create a motivating debt pay-off plan that makes you excited about your future, instead of fearing it My Money My Way will give you the tools to align your emotional health with your financial health—to let go of deprivation and embrace desire. Love’s paradigm-shifting system will teach you how to honor your unique personal values, driving emotions, and particular needs so that you can stop worrying about money and start living a financially fulfilled life.
Paying your Way describes the value that improvement in reliability and maintenance management can produce in capital intensive industries. Improvements include cost savings but more importantly, availability increases that can be used to increase production output, service delivery capacity, and revenues. The investment required is usually a small fraction of the potential benefits, and if structured thoughtfully, can result in payback within the first year, often even within months.
Named one of the best books of 2021 by NPR New York Times Bestseller and a New York Times Book Review Editor’s Choice pick “Masterly . . .represents an extraordinary achievement: It is comprehensive and detailed without being tedious, practical without being banal, impeccably well judged and unusually rigorous.”—Daniel Markovits, New York Times Book Review “Ron Lieber is a gift.”—Scott Galloway The hugely popular New York Times Your Money columnist and author of the bestselling The Opposite of Spoiled offers a deeply reported and emotionally honest approach to the biggest financial decision families will ever make: what to pay for college—a decision made even more confusing because of the Covid-19 pandemic. Sending a teenager to a flagship state university for four years of on-campus living costs more than $100,000 in many parts of the United States. Meanwhile, many families of freshmen attending selective private colleges will spend triple—over $300,000. With the same passion, smarts, and humor that infuse his personal finance column, Ron Lieber offers a much-needed roadmap to help families navigate this difficult and often confusing journey. Lieber begins by explaining who pays what and why and how the financial aid system got so complicated. He also pulls the curtain back on merit aid, an entirely new form of discounting that most colleges now use to compete with peers. While price is essential, value is paramount. So what is worth paying extra for, and how do you know when it exists in abundance at any particular school? Is a small college better than a big one? Who actually does the teaching? Given that every college claims to have reinvented its career center, who should we actually believe? He asks the tough questions of college presidents and financial aid gatekeepers that parents don’t know (or are afraid) to ask and summarizes the research about what matters and what doesn’t. Finally, Lieber calmly walks families through the process of setting financial goals, explaining the system to their children and figuring out the right ways to save, borrow, and bargain for a better deal. The Price You Pay for College gives parents the clarity they need to make informed choices and helps restore the joy and wonder the college experience is supposed to represent.
True accounts of one man’s long-distance trucking career that began in the late 1960s, these adventurous anecdotes are told by one of the first pioneers in long-distance trucking to the Middle East, Ivor Whittall. From traveling overseas to Kuwait, driving the desert trek between Jordan and Saudi Arabia, and surviving the infamously dangerous (and sometimes deadly) Tahir Pass in Eastern Turkey that has claimed the lives of truckers with its haphazard landslides and avalanches and tricky mountainous terrain, readers get a driver’s seat perspective to Whittall’s daring career. With 72 contemporary color photos of trucks, drivers, passports, visas, and custom forms, readers will be thrust into what it was like being a long-distance trucker in the 1970s. Full of disastrous near misses, border control mishaps, intense home sickness, mechanical failures, cultural misunderstandings, and so much more, this book will urge you to buckle up.
THESE STORIES TAKE the reader to meet mochos; cholos; Mr. and Mrs. Special; Manny with his mysterious phone calls; Melly, who dreams of being the first girl to take the Dive; Andy and Ruthie, who find that being “boyfriend-girlfriend” takes on new meaning the night of the prom; and Chuy, who seems determined to get kicked out of school. Each distinct voice shares secret thoughts that draw the reader into daily dramas of love, danger, loyalty, and pride. In the final story, a shocking tragedy reverberates through the barrio. “With this collection, Saldaña makes a significant contribution to the field of Latino short stories for young readers.”—VOYA, Starred “These powerfully written, provocative selections have universal appeal and subtle, thoughtful themes.”—School Library Journal “While much is revealed, just as much is implied, making the stories layered and rich while still rendering them accessible.”—The Bulletin
