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FOR USE IN SCHOOLS AND LIBRARIES ONLY. Kit Gordy and three other students at an exclusive boarding school for girls find themselves part of a terrifying experiment

• Sales Rank: #16447942 in Books
• Published on: 1990-06
• Original language: English
• Dimensions: 8.00" h x 5.00" w x 1.00" l,
• Binding: Paperback

From the Publisher
Why does the exclusive boarding school Blackwood have only four students?

Kit walks the dark halls and feels a penetrating chill. What tterror waits around the next corner?

From the Inside Flap
Why does the exclusive boarding school Blackwood have only four students?

Kit walks the dark halls and feels a penetrating chill. What tterror waits around the next corner?

About the Author
Lois Duncan is an acclaimed suspense author for young adults. She has published nearly 50 books for children, including I Know What You Did Last Summer, which was adapted into a highly-successful horror film, and Who Killed My Daughter?, a non-fiction book about the harrowing experience of her daughter's murder.

Most helpful customer reviews

48 of 49 people found the following review helpful.
I'm 22, and it scares me like I'm still 12.
By A Customer
Here's the deal: I read a spooky book when I was twelve. I couldn't remember the title or the author; all I knew is that the memory of long, dark hallways, doors locked from the inside and four lonely girls trapped in an institution haunted my nightmares for ten years. My concrete memories consisted of the thread of a plot: Four young girls, gifted with ESP, are brought to a private school so the headmasters can channel dead artists through their minds and sell the art as originals.
About a month ago, I mentioned the elusive book to a friend, who immediately named the title and the author, admitting his fear, as well. Pretending to buy for a younger sister who doesn't exist, I bought the book again -- with a new cover no longer featuring the young heroine with a candle -- and was overcome once more by Lois Duncan's ability to surround the simple narrative with swirling mists, dark corners and flickering candlelight.
DOWN A DARK HALL introduced me to the glorious world of wondering what's behind the door, a passion that extended into Stephen King, Clive Barker and even dark comic books. But even the "adult" writers can't capture atmosphere the way Duncan can. Like King's Carrie, Duncan illustrates the pain and chaos of adolescent girlhood, and the impossibility of escaping a world that doesn't understand. The difference is that your little sister can read Duncan while she's still young enough to feel the character's confusion... and the impact is strong enough to last a decade.

57 of 60 people found the following review helpful.
Wonderful
By Amazon Customer
I remember years ago when I first picked up this book I really didn't expect much from it. I must say I was blown away with because it had elements that I loved. Ever since I read this book, I've been a Lois Duncan fan. The book is about a a fourteen-year old girl named Kit going to a special boarding school named Blackwood while her mother and her new stepfather take a long Honeymoon. But Kit soon finds out some thing strange: they are only four girls in the boarding school. What follows is a supernatural mystery. Kit and her new friend Sandy soon find out the reasons why they were selected to attend Blackwood. Soon their lives are at stake and it's up to Kit to find a way out.
Great read. I highly recommend it.

32 of 34 people found the following review helpful.
No no NO!
By Abby
If you read this book years ago try to find a really good condition used copy but don't buy this edition! I did not know it was an "updated" edition for "modern audiences" and purchased it. I had read the book about 10+ times over the years but the last time I had read it was many years ago. This time when I cozied up with the book and started reading it I did not feel "connected" to the book as I had in the past. I kept thinking, "I don't remember this being said (or this being described) quite like that!" but figured it was simply because it had been so long since I had last read it. Then Madame shows Kit the sitting room that includes a WIDE SCREEN TV I said WTH?, turned the book over and there on the back cover was an advertisement for Duncan's other books with the caption:

"These new editions feature modernized text and a Q&A with Lois Duncan."

When Kit a little later says "Totally" to Sandy (Valley Girl style) I slammed the book shut and it is now in the recycling bin.

Duncan has not really written much in the past 2+ decades so maybe her income is drying up. But modifying these books is like colorizing It's a Wonderful Life. Disgraceful and greedy. If not that then she has no faith in today's youth. Feeling that you need to splatter your novels with popular slang and references to gadgets to win over a new generation of readers is offensive IMO. My daughter reads many books written in the 1960's and 1970's and they are as exciting to her today as they were for me then. She will NOT be reading Duncan's "updated" versions!

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The vertical/functional hierarchy has been the mainstay of business since the industrial revolution. But it has its problems. In fact, the vertical design all but guarantees fragmented tasks, overspecialization, fiefdoms, turf wars, the urge to control from the top--all the negatives that foster organizational paralysis. In The Horizontal Organization, Frank Ostroff provides executives with the first truly viable alternative to the age-old vertical alignment. Indeed, he offers nothing less than the first full view of what the organization of the future looks like and how it works.
The concept of horizontal organization has been hailed in Fortune as "a model corporation for the next fifty years" and in a Business Week cover story as "the real thing." But until now, management books have offered only piecemeal accounts of what the organization of the future might look like. Ostroff, a key developer of the concept of the horizontal organization, offers the first workable road map. He describes what the horizontal organization is, what it looks like, why it is important, how it helps improve performance, where it is appropriate, and how to develop it. The book contains real case examples that show how major international corporations (and one federal agency) have used Ostroff's concepts to meet their competitive goals. For instance, we see how Ford Motor Company's Customer Service Division turned to the horizontal organization to meet a highly ambitious goal--to get the customer's car fixed right, on time, the first time, at a competitive price, in convenient locations. We see how a horizontal design radically improved the performance of OSHA (the federal agency that oversees occupational safety), transforming it from a bureaucratic enforcer of regulations to a proactive problem-solver in a concerted effort to improve working conditions and save lives. And we see how Xerox combined both vertical and horizontal designs successfully, a case that underscores when a firm can best use the horizontal organization to achieve their goals. Ostroff also looks at a General Electric plant in North Carolina, Motorola's Space and Systems Technology Group, and the home finance division of Barclays Bank, highlighting how these major corporations have also used the horizontal organization to radically improve productivity.
Many successful business books, such as Reengineering the Corporation and Beyond Reengineering, have given managers only a piece of the puzzle. Ostroff gives us the complete picture. The Horizontal Organization offers the first usable roadmap to the twenty-first-century firm. It is a book everyone who desires to radically improve the performance of their organization will want to read.

• Sales Rank: #1785411 in Books
• Published on: 1999-02-04
• Original language: English
• Number of items: 1
• Dimensions: 6.20" h x 1.10" w x 9.10" l, 1.16 pounds
• Binding: Hardcover
• 272 pages

Amazon.com Review
The Horizontal Organization, by institutional-change specialist Frank Ostroff, is a blueprint for the future development of public and private infrastructures that have outgrown the vertical, or "top-down," hierarchy that has been standard in the business community since the onset of the Industrial Revolution. "It is increasingly apparent that the long-favored vertical model is, by itself, no longer capable of meeting all the different needs of business," Ostroff writes. "It has been rendered inadequate for today's demanding competitive, technological, and workforce environments by its inherent shortcomings." The time is therefore right, he continues, completely to overhaul this outdated corporate structure and prepare for the next 50 years as some major establishments--such as Ford Motor Company's Customer Service Division, Xerox, and the federal Occupational Safety and Health Administration (OSHA)--already have done. Through well-reasoned arguments and the help of these and other real-world examples, Ostroff convincingly shows how his concepts might be employed to eliminate bureaucracy, improve productivity, and solve common long-term organizational problems. And by presenting the entire picture where only small pieces have previously been revealed, he makes a compelling case for radical change in the corporate world as well as in the public sector and non-profit universe. --Howard Rothman

Review
"Gives compelling evidence that flattening hierarchies are a key to success in today's fast-paced world.... While a long-term endeavor, this book offers a good starting point for senior managers to understand the fundamentals of the underlying architecture of this emerging trend in business organization."--Electronic Business

"I know from first-hand experience that Frank Ostroff's ideas work. Indeed, many of them are in place and working throughout my company. Ostroff moves easily from theory to practice and gives us a strategic guide to successfully organizing corporations for the new millennium." --Paul A. Allaire, Chairman and CEO of Xerox

"Most businesses have been struggling to find an alternative to the traditional business organization with all the `stove pipe' problems that it produces. Frank Ostroff has done us an invaluable service in showing that a modern horizontal organization can be devised and put into effect."--Sir Peter Middleton, Acting Chief Executive, Barclays Bank

"Ostroff's book is refreshing because of front-line, firsthand employee accounts. Ostroff is also brutally candid about the difficulty of transitioning to a more horizontal structure." --Megan Santosus, CIO

"Recommended for graduate, research, and professional collections."--Choice

"The beauty of Ostroff's book is in how it clearly outlines the horizontal organization's core processes.... Douglass McGregor's Theory Y finds its home here, as does Drucker's MBO. The amount of energy and pride exhibited in the examples from major corporate and governmental horizontal organizations such as Motorola, GE, and OSHA is extraordinary."--At Work

"Ostroff champions the 'horizontal' structure-one that is organized across functions and around core processes. This type of structure removes the functional walls that exist in traditional organizations and streamlines value delivery. The book explains what the horizontal organization looks like, how it works, and presents a how-to process for building one."--Business Reader Review

About the Author

Frank Ostroff is a key developer of the "Horizontal Organization" concept which has been featured in such publications as Business Week (cover story), Financial Times, Fortune, and Information Week (cover story). He has worked directly with leading organizations in the high-technology, industrial goods, and financial services industries as well as the public sector to dramatically improve their performance. He has been a keynote speaker at leading business conferences and academic institutions worldwide. Considered one of the world's leading new thinkers on business issues, he lives with his wife and children in Washington, D.C.

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9 of 9 people found the following review helpful.
Enlightened Speculation
By Robert Morris
The subtitle promises that Ostroff will explain "what the organization of the future actually looks like and how it delivers value to customers." It is more accurate to say that Ostroff suggests what that organization will probably look like...and how it will probably deliver value to customers. Specifically, what he calls the Horizontal Organization "organizes around core process groups. All the people who work on a core process are brought together into a group that can easily coordinate its efforts and maximize the value of of what it delivers to customers." It differs from other models in that it is more comprehensive by incorporating "elements of some of the existing concepts, such as process reengineering, individual empowerment, and teams. But it goes beyond them by providing an overall framework for the organization that integrates and makes use of the best of these ideas in a new structure that has been proved in practice." So, Ostroff's intention is to help his reader understand what the Horizontal Organization is, how it works, how it can be developed, and how to decide where it can be effectively employed in any organization.
I rate this book so highly, not because it provides THE answers but because Ostroff asks what I consider to be the important questions as all of us proceed into an uncertain future. There are so many paradigm shifts occurring simultaneously. Words such as "organization" and "customer" seem to be redefined constantly, as are the concepts of "leader" and "manager" as well as "core business" and "competitive marketplace." Of course, despite what his book's subtitle suggests, Ostroff is well aware of all this. He thinks clearly, writes well, and in his concluding remarks indicates a proper respect for "buy in" throughout any organization., asserting that "the change effort itself and the new organization born from the old must have full top-down, bottom-up, cross-functional commitment. If done right, the integration of the fundamental principles of the horizontal organization will inspire the people in your organization, supercharge their performance, and create a winning value proposition that lifts your organization far above the competition."

7 of 8 people found the following review helpful.
Nothing New Here
By John E. Roesch
The Horizontal Organization by Frank Ostroff is well written and an easy read. Its main draw back is that the author is claims that he is presenting something new when in fact it is not. The concept outlined in his book and the design principles for the horizontal organization are nothing but a "dumbed" down version of basic industrial engineering principles that has been espoused for years. The concept of organizing around business processes and with cross-functional teams has been discribed in various books by industrial engineers for years, espesially in the area of socio-technical systems design theory. The book is good in that it gives managers, with business major degrees, a good introduction to a sound organizational design theory. Any manager with an industrial or systems engineering degree will already be aware of these principles for organizational design to a far greater extent than the author.

6 of 7 people found the following review helpful.
A How-to manual for Change Managers
By Amazon Customer
The author sees the tradition vertical structure of business as an outdated structure from the industrial era. This book pushes the horizontal organization. The horizontal organization does not divide the company into departments. Instead, it groups people and work across core processes. These core processes all work together to create and deliver something of value to the customers.

This new structure is supposed to flatten hierarchies, integrate many tasks into a few processes, and focuses all employees on what the customer needs, not what their department needs. The author demonstrates this through the use of case studies that include companies such as Ford, and government agencies such as US Occupational Safety and Health Administration. These case studies coupled with a discussion of the new structure combine to form a how-to manual for change managers, showing how companies can design and implement the right structure.

The author offers twelve principles to achieve this goal:

1. Organize across cross-functional core processes

2. Install process owners

3. Make teams

4. Integrate with customers and suppliers

5. Decrease hierarchy by eliminating non value-added-work and by giving team members the authority to make decisions

6. Build a culture of openness, cooperation and collaboration.

7. Empower employees by giving them tools, skills, motivation, and the authority they need.

8. Use information technology to help people reach performance objectives and deliver the value proposition to the customer

9. Measure the results

10. Redesign as necessary

11. Emphasize multiple competencies and train people to handle problems in cross-functional areas

12. Promote multiple-skilling, the ability to think creatively and respond flexibly to challenges that arise in the work that teams do.

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Artistic vanguards plot new aesthetic movements, print controversial magazines, hold provocative art shows, and stage experimental theatrical and musical performances. These revolutionaries have often helped create America's countercultural movements, from the early romantics and bohemians to the beatniks and hippies. This work looks at how experimental art and the avant-garde artists' lifestyles have influenced, and at times transformed, American culture since the mid-nineteenth century. The work will introduce readers to these artists and rebels, making a careful distinction between the worlds of the high modern artist (salons and galleries) and the bohemian.

• Sales Rank: #2834950 in Books
• Brand: Brand: McFarland
• Published on: 2008-03-03
• Original language: English
• Number of items: 1
• Dimensions: 9.02" h x .62" w x 6.01" l, .75 pounds
• Binding: Paperback
• 262 pages

Features

• Used Book in Good Condition

About the Author
Roy Kotynek is professor emeritus of history, Oakland University, Rochester, Michigan. He lives in Rochester. Professional musician and author John Cohassey has contributed numerous biographical and cultural entries for Gale Research. He lives in Pontiac, Michigan. Both Koytnek and Cohassey served as consultants for the History Channel program Hippies (2007).

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• Sales Rank: #12736851 in Books
• Published on: 1999
• Binding: Hardcover

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Get in your practice for the new GRE test format scheduled to debut in August 2011

McGraw-Hill's 6 GRE Practice Tests offers you the most GRE practice available anywhere. It includes 6 complete sample GREs, with in-depth explanatory answers for every question that act as a mini-review for GRE test topics. With no comparable book of practice tests, this is the resource that you will need to fully prepare for the exam.

Includes:

• 6 practice paper-and-pencil GREs in the new test format with in-depth explanations
• Complete introduction to the exam and to its new format: What Is the GRE General Test? • Test Structure and Format • How to Use the Practice Tests • Scoring the Verbal and Quantitative Test Sections • Scoring the Analytical Writing Section

Topics include: Getting Started; What Is the GRE General Test?; Test Structure and Format; How to Use the Practice Tests; Scoring the Verbal and Quantitative Test Sections; Scoring the Analytical Writing Section

• Sales Rank: #1348509 in Books
• Published on: 2011-02-08
• Released on: 2011-02-08
• Original language: English
• Number of items: 1
• Dimensions: 10.90" h x .72" w x 8.50" l, 1.61 pounds
• Binding: Paperback
• 416 pages

About the Author
Kathy A. Zahler is a widely published textbook writer and the author of McGraw-Hill's Conquering GRE Verbal and McGraw-Hill's MAT: Miller Analogies Test. She is also the author of the bestselling Test Your Cultural Literacy.

Christopher Thomas is a professor of math at Massachusetts College of Liberal Arts. He is the author of Calculus Success in 20 minutes a Day and Trigonometry Success in 20 Minutes a Day. Thomas has been teaching a math for liberal arts course for the past three years.

Most helpful customer reviews

0 of 0 people found the following review helpful.
A good study side kick to be used with other resources
By Beehaz
It doesn't have the most in depth explanations, but the GRE is more about figuring out what the 'trick,' or process is that a question is asking, and answering it within the very short time allotted than it is about having comprehensive math knowledge of each topic. I made this mistake by initially purchasing Cliff Notes Review of Standardized Math Tests, which got great reviews and is a big waste of time because, again, the GRE will barely ask any simple one dimensional process type questions. In other words, the concepts it tests are simple, but the way it tests them is not. Therefore, I believe rote practice of as many problems as you can do is the best way to approach studying for the test. For the verbal section, going through the 6 tests will help you get used to how and what to look for when reading the passages. As I discussed in another review, and have already implied in this one, I think practicing math problems is key. Even though I mentioned prioritizing rote practice over conceptual mastery, you should be at ease with the basic properties and formulas of Algebra I, geometry, data analysis, and probabilities. For both mastery of basic concepts, as well as applying them in difficult problems I would highly recommend this book, by far the best and most worthwhile GRE math book out there:

GRE Math Prep Course (Nova's GRE Prep Course)

It breaks up problem types into easy, medium, hard, and very hard, just like the type of contrasts that exist in the test. With a higher level of difficulty problems than you will see in 6he 6 GRE Practice Tests, it will help you get used to a level of difficulty that will be more similar to what you will actually see on the test (the 'very difficult practice type even being *more* difficult than the hardest GRE problems, just so you get used to answering hard questions). It has tons of practice problems, and very in depth explanation. I mention this book because I think it works very well in tandem with 6 GRE Practice Tests. The former will boost your ability to answer all different problem types and conceptual understanding, and the latter will be crucial in getting used to what the most common question types are and how to apply your conceptual understanding in a speedy manner!

Hope that helps.

5 of 5 people found the following review helpful.
not at the GRE level
By Sara
People say the best way to get a good score on the GRE is to practice taking the test. This book has good intentions in helping you do that, but the difficulty level of the problems in the book is too low. The actual GRE required the use of higher level vocab and math skills. This is not to say this book is a complete waste. The practice that it provides is very useful, but you can likely get the same practice off some of the other practice tests often provided in the back of other GRE books or even when you register for the GRE itself. Was it helpful? Somewhat. Would I purchase it again if I had to do it over? No.

8 of 8 people found the following review helpful.
Pretty good book
By Student
I bought the book for the NEW GRE. It was pretty good for it as there aren't too many released tests for the new GRE. However it is exactly as the title says, just practice tests for the new GRE. The explanations are kinda short, but the number of practice questions make up for it. As any good test takes knows practice makes perfect. Buy this book, but in conjunction with another one for optimal studying.

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From Prince George to Henry VIII, this lively text is accurate but full of fascinating detail and fun

Kings and Queens have always provided their subjects with a great deal to talk about. But how much do we really know about them? For instance, who became king when he was only nine months old? Which king invented the handkerchief? Which king died on the toilet? And who is England's longest reigning monarch? In a fascinating and witty look at kings and queens of England, Tony Robinson provides all the answers to these questions and many, many more.

• Sales Rank: #2469833 in Books
• Published on: 2001
• Format: Import
• Original language: English
• Number of items: 1
• Dimensions: 10.04" h x .39" w x 7.68" l, .90 pounds
• Binding: Paperback
• 112 pages

Review
"How can it be that we had to sit through interminable boring history lessons when our offspring are treated to such interesting stuff? This book is just fantastic" Hullaballoo!

About the Author
Tony Robinson is best known as "Baldrick" from the famous Blackadder series. On top of his acting credentials, he is the author of The Worst Jobs in History and The Worst Children's Jobs in History.

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2 of 2 people found the following review helpful.
Finally the kings and queens are shown to be quite interesting!
By MLA
I use this book when teaching a quick overview of the history of England to children. This book is very kid friendly and adults find it fun and interesting as well. So much for dry old boring history This is a difficult book to find in the U.S. and coming from overseas, my copy was quite abused by the time I received it. But well worth the wait and mail abuse.

1 of 1 people found the following review helpful.
Tony Robinson's Kings and Queens
By Carole
My seven year old loves this book it's funny, simply written and beautifully illustrated. The book is appropriate for all ages. This book has helped me nurture my sons interest in history by being such a pleasure to read and easy to cross reference with other material. Fantastic!

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• Sales Rank: #23765 in Books
• Color: Cream
• Published on: 1994-02-15
• Released on: 1994-02-15
• Original language: English
• Number of items: 1
• Dimensions: 8.50" h x .85" w x 5.50" l, .62 pounds
• Binding: Paperback
• 208 pages

From the Inside Flap
"Marc David eloquently describes the importance of addressing the emotional and spiritual aspects of our lives in order to truly nourish ourselves." --Dean Ornish, M.D. Combining the principles of nutritional awareness, personal growth, and body psychology, Nourishing Wisdom provides practical methods for redefining the role food plays in our lives. Line drawings.

About the Author
Marc David, M.A., is the founder of the Institute for the Psychology of Eating and a leading visionary and teacher in nutrition and eating psychology. His work has touched millions of lives through the institute, with internationally acclaimed trainings for professionals and breakthrough programs for anyone looking to transform their relationship with food. Marc s work has been featured extensively in television, radio, and online platforms, and his unique synthesis of science, psychology, heart, and soul has forever influenced the field of nutrition and health. The author of "Nourishing Wisdom "and" The Slow-Down Diet", he lives in Colorado.

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0 of 0 people found the following review helpful.
Five Stars
By raymond carlson
A great book

22 of 22 people found the following review helpful.
Very Wise indeed!
By motietje
This is exactly the wisdom I've been looking for. I have finally stopped the crazy ups and downs of dieting and am making friends with my body and with food, for the first time in my life.

Thank you Marc David! It was the nourishment I needed.

Melissa

14 of 15 people found the following review helpful.
Read this
By Cassandra Lim
I used to be a hardcore, elitist vegan, judging all the meat-eaters around me and believing they were doomed to disease and a quick death. This book has changed my mind about eating, how the ways in which we eat reflect our approach towards life and other matters as well. It will make you eat more mindfully, enjoy your food more, and - dare I say it? - lose weight in the process. :)

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• Sales Rank: #6752 in Books
• Brand: Brand: Thomas Nelson
• Published on: 2007-02-06
• Released on: 2007-02-06
• Format: Abridged
• Original language: English
• Number of items: 1
• Dimensions: .92" h x 7.35" w x 9.61" l, 1.63 pounds
• Binding: Hardcover
• 272 pages

Features

• Used Book in Good Condition

About the Author

Dave Ramsey is America’s trusted voice on money and business. His four New York Times best-selling books –Financial Peace, More Than Enough, The Total Money Makeover and EntreLeadership – have sold more than 7 million copies combined. The Dave Ramsey Show is heard by more than 6 million listeners each week on more than 500 radio stations and iHeartRadio.

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158 of 164 people found the following review helpful.
Common sense for your dollars and cents.
By Jen C.
Although Dave Ramsey is becoming more widely known around the nation, I can still mention his name here in Chicago and get a "Who's that?" response. I first found out about Dave while living in Kentucky through a co-worker. This discovery turned my life around.

Two years ago, my husband and I were a little over $36,000 in debt including credit cards, cars, and student loans. Today, we are completely debt-free, saving an emergency fund like Ramsey strongly advocates in the book, and we will be able to purchase a home on a 15-year fixed rate mortgage (also something he advocates in the book).

The philosophy is incredibly simple, and a few other reviewers have already listed his "baby steps," so I won't rehash that again. "Baby steps" actually came from the Bill Murray flick "What About Bob?", in case you're wondering. Not only are the steps easy to follow, but you'll want to channel Homer Simpson and have a "Doh!" moment when you read it. On his widely syndicated talk radio show, Ramsey uses the opening line, "Teaching you the same advice your grandmother would, only we keep our teeth in." That line is in deference to the fact that he realizes he is teaching people common sense money management.

If you're in love with your FICO score or looking for a financial expert to help you improve your credit, Ramsey's book is the wrong one for you. Be forewarned that he cares NOTHING about a credit score. The only debt that he "allows" you to keep is a mortgage, and he's not crazy about that. If you're looking for a way to get out of debt, stay out of debt, and learn to make the most of your hard-earned wages (possibly become a millionaire in the process), then you need to read this book. It may change your life; it changed mine.

0 of 0 people found the following review helpful.
Relevant for anyone ready to clean up their debt mess
By Jennifer K S H
A no nonsense look at how to manage finances. Its eye opening...maybe a little too much in some cases. If you listen to Dave on the radio then this book will seem low key. The steps are easy to follow. In fact they are almost too easy its tempting to over complicate them. I like the personal stories of families who made the commitment to a debt free life (now or eventually!)

If your ready to clean up "the mess" then this is a perfect starting place. I've read a number of finance guides as we work to clean up our debt and I wished I had discovered this years ago. I can also see that this is a book I'll come back to as I progress through the baby steps. For example, when I'm ready to really start investing in retirement. Before I read this book, retirement seemed like a dream. But now, with Ramsey's plan, I can see how this too will be in our future.

823 of 967 people found the following review helpful.
A lot of bad advice for many people
By J.M. Parsons
I bought Ramsey's book because he has so many raving fans (my daughter among them), and the loyalty they express is often literally evangelical in nature. Offering any criticism of Dave Ramsey's advice can draw fusillades of righteous indignation. Any negative comments about Dave Ramsey, Financial Peace University or any of the many products he sells may be answered by, "You obviously love debt," and "why are you so against living by Biblical principles?"

As a financial professional, I can legitimately claim to be an expert in matters of debt and credit. So I bought his book so I could see just what it was about Dave Ramsey would cause these extreme reactions. After reading it carefully, I have come to some conclusions.

First, I must acknowledge that there is a lot to like about Dave Ramsey. His basic teaching can be boiled down to this:

1. Don't buy stuff on credit that you can't afford
2. Set aside money for emergencies and the future
3. If you are in trouble with debt, stop incurring it (we could also state it as, "When you're deep in a hole, stop digging.")
4. Make a plan to retire your debt systematically

He offers a step-by-step method for getting out of debt and onto a better financial footing. He teaches that you should pay attention to your finances and work from a written budget.

These are all good things.

My first concern is that Mr. Ramsey teaches that All Debt Is Evil (with the possible exception of a 15 year mortgage). Others here have mentioned his assertion that "responsible use of a credit card is not possible." His audience is urged not only to pay off their debt (a Good Thing), but to cut up the cards and close the accounts.

As a mortgage lender, I can attest that this will destroy an individual's credit score and make securing a mortgage very difficult and expensive. Mr. Ramsey's simplistic answer to getting a mortgage without a credit score (or, more accurately, without any active accounts) is to "find a lender who does manual underwriting." The simple fact is that ALL mortgages are manually underwritten. It is possible to get a loan using "alternative credit" (rent receipts, cell phone bills, utilities, etc.), but these loans are, without exception, far more expensive than conventional loans. At a minimum, a borrower without any open accounts will have to resort to a government-insured FHA loan, which carries an up-front mortgage insurance premium of 2.25% of the loan amount, plus .55% additional insurance, paid monthly.

There are many instances of bad, even dangerous advice from Mr. Ramsey, often couched in terms similar to those found in 12-Step programs, expressed in his avuncular, folksy style. He makes liberal use of logical fallacy and outright false statements to advance his points.

I believe Dave Ramsey's appeal (and the vehicle that is earning him a reported $40 million annually) is to those who are desperately in debt, primarily because of their own bad habits. They are looking for any lifeline, and he offers them not only a method, but also encouragement to stick with their plan.

But for people who are NOT in dire straits, simply looking for a way to improve their financial lives, there are far better places to seek guidance than Dave Ramsey's simplistic, one-size-fits-all advice. Borrow one of his books or check them out at the library, read them critically and decide for yoursef whether my comments have any merit.

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• Sales Rank: #7172079 in Books
• Published on: 2003-10-02
• Original language: English
• Number of items: 1
• Dimensions: 11.00" h x 8.25" w x 1.00" l, 2.86 pounds
• Binding: Hardcover
• 325 pages

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0 of 0 people found the following review helpful.
Brain Hypothermia: Basic Science & Clinical Practice
By Joseph J Grenier
There are about 4 recent books on Brain Hypothermia. This one should be on the shelves of clinicians and researchers involved in hypothermia research. The chapters are succinct and well illustrated. It is very suitable as a desk reference on the subject for novice researchers. It discusses the parameters, biochemistry, management, and outcomes of hypothermia relevant to 2004. Dietrich has authored another Springer book in 2005 called Hypothermia for Acute Brain Damage which is more research based and more uptodate. The books are still quite different. The bench researcher will want to buy both, with priority on the 2005 volume. I used this book to help prepare for a visiting lecture I gave on Cerebral Ischemia: Cellular and Molecular Mechanisms.

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The first book to confront the imminent dollar crisis
Given the current global economic situation, a dollar crisis seems imminent. It is predicted that the series of financial and currency crises in recent years will soon culminate in the collapse of the U.S. dollar, facilitating a worldwide economic slump. This timely and challenging book brings together the origins of this crisis and the solutions that will help counter global imbalance. Filled with in-depth insights and practical advice, The Dollar Crisis is a highly relevant guide for all markets, since the collapse of the U.S. dollar will result in global destabilization impacting capital markets everywhere.
Richard Duncan (Hong Kong) has worked as a financial analyst in Asia for more than fifteen years. During his career, he has worked for leading companies such as Salomon Brothers, HSBC Securities, International Monetary Fund, and The World Bank.

• Sales Rank: #700852 in Books
• Published on: 2003-06-25
• Original language: English
• Number of items: 1
• Dimensions: 9.39" h x .98" w x 6.34" l, 1.33 pounds
• Binding: Hardcover
• 280 pages

Review
"...a provocative new book..." (Grant's, 15 August 2003)

"...we strongly recommend...the man seems to have hit the nail right on the noggin..." (The Daily Reckoning)

"...is impeccably researched...provides a useful resume of how the dollar came to be the dominant force in world currency markets..." (www.iii.co.uk (AMPLE), 6 January 2004)

From the Inside Flap
The world economy is sinking into the worst industrial and financial downturn since the 1930s. Stock markets are plunging, major corporations are going bankrupt, and governments are begging for bailouts from the IMF.  In The Dollar Crisis, Richard Duncan explains the nature and the origin of the imbalances that have destablized the global economy.

The books theme is that the global economy has been destabilized by the United States' enormous trade deficit which now exceeds US$50 million. . . AN HOUR or 1.5% of Global GDP per annum. That trade imbalance, financed through debt, has created tremendous disequilibrium in the global economy and an economic bubble in the United States. When that bubble pops and the global economic disequilibrium unwinds, the world will not be able to avoid a very serious economic slump.

The Dollar Crisis is divided into four parts:

Part One describes how the US trade deficits have destabilized the global economy by creating a world-wide credit bubble.

Part Two explains why these giant deficits cannot persist and why a US recession and a collapse in the value of the Dollar are unavoidable.

Part Three analyzes the extraordinarioy harmful impact that the US recession and the collapse of the Dollar will have on the rest of the world.

Part Four offers original recommendations that, if implemented, would help mitigate the damage of the coming worldwide downturn and put in place the foundations for balanced and sutainable economic growth in the decades ahead.

The Dollar Crisis is a must read for investors, bankers, brokers, exporters, economists and anyone else who wants to understand what has gone wrong with the world economy.

From the Back Cover
"A sobering, timely wake-up call to the looming dangers of a massive - critically necessary - correction in the U.S. Richard Duncan writes with immense clarity and experience, weaving historical material into a rich tapestry of disturbing patterns, warning that the world cannot afford to ignore the lessons of Asian and Latin American financial crises - and Japan's malaise - as an even greater economic threat looms. A must read, with economic seat belt buckled." - David H. Satterwhite, Managing Director, The Economist Conferences Corporate Network-Japan

"Richard Duncan has written a fascinating study of history in the making. He is right to propose that we need joint efforts by different stakeholders to overcome a coming monetary crisis." - Frank J. Richter, Director, Asia, World Economic Forum

"Hard on the heels of the collapse of the "new economy" is that of the "new finance". Richard Duncan crisply explains why payback time for years of US?s credit excesses, payments imbalances and securitized sub-par lending is imminent. Mr Greenspan, your time is up. The wisdom of Ludwig von Mises will prevail." - Philip Bowring, Columnist, International Herald Tribune

"Make no mistake - much of the discontent with the global financial system is rooted in the dollar standard. The risk of a dolar crisis is real and the author deserves much praise for clearly exposing a force that many seek to deny. A must read for anyone with a savings deposit." - Jesper Koll, Chief Economist, Merrill Lynch Japan

"This is a welcome attempt at exploring the symptoms of what may become a major financial storm. Is the world wise to expect the problem to find its own solution? Richard Duncan?s suggestions for a cure imply a degree of worldwide slump that may prove difficult to foster, but his arguments are worth listening to." - Philippe Delhaise, President, Capital Information Services Ltd

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72 of 72 people found the following review helpful.
The Downside of the Dollar Standard
By Izaak VanGaalen
Since the breakdown of Bretton Woods in the early 1970's and the end of the gold standard, the dollar has become the international reserve currency. The 20 years prior to 1970 international reserves increased only about 55%, but since 1970, with the adoption of the dollar standard, reserves have increased over 2,000%. This is primarily a result of US current account deficits, which last year ran about $600 billion - about 3% of GDP. Asian central banks hold about $2 trillion US dollar-denominated reserve assets. This surge in international reserves has created huge imbalances and it is the subject of this book by financial analyst Richard Duncan.

The dollar standard has allowed the US to finance incredibly large deficits by printing more dollars. The dollar standard has on the upside ushered in the age of globalization that has allowed Asian economies - first Japan, then the Tigers, and now China - to devolop by exporting to the US without importing equal amounts, leaving Asian central banks with large stockpiles of dollar reserves. And what can Asian central banks do with these reserves? About the only thing they can do is invest in US corporate stocks and bonds, T-bills, and US agency debt such as Fannie Mae and Freddie Mac. (We've been enjoying low mortgage rates because the Asian central banks buy up our debt so we can take out more.) And all these investments in return allow US consumers to buy more of their exports - call it vendor financing.

According to Duncan, these current account deficits and current account surpluses have already wrought havoc with the world economy: it caused the asset and stock market bubble in Japan in the 1980s; it caused the currency crisis in Malaysia and Thailand in the 1990s (Duncan was an analyst working in Thailand at the time and correctly predicted its occurence); and it is currently fueling the real estate boom in the US.

Asia's export-led strategies require that dollar reserves are reinvested in the US; this prevents their currencies from appreciating. Indeed, if the Bank of China or the Bank of Japan were to invest in the Euro or any other currency, the bankers and politicians of those countries would quickly protest because it would drive up their currencies and make their exports less competitive.

So then with the US increasing the world's international reserves at a rate of $600 billion a year, everyone is still happy for the time being. Asian countries are growing rapidly and American consumers have endless supplies of credit - using their homes as ATMs - however, this imbalance, unsustainable and in the long run, will precipitate an economic crisis. Even correcting this imbalance, if not done prudently, could precipitate a world economic slowdown.

This book was written before the recent decision by China to stop pegging the yuan to the dollar. This was a baby step in the right direction.

Duncan's analysis of the problem is very good, his policy recommendations, however, are questionable. He suggests, for example, giving global central bank status to the International Monetary Fund. That's a nonstarter for reasons obvious to Republicans. He also advocates a global minimum wage, giving workers more money to soak up excess supply. I can already hear the critics screaming no "world government."

The main problem that needs to be addressed - and Duncan stresses it many times - is that there needs to be a regulatory mechanism in foreign-exchange markets. Central banks intervene in currency markets for their own benefit - such creating an export strategy - instead of looking for ways to smooth global business cycles. China, with its revaluation of its currency, is looking to become a responsible global player - we hope. If the powers that be do not act in concert to coordinate a soft landing of the current imbalances, we will all be heading for some frightening times.

0 of 0 people found the following review helpful.
A key element in maintaining a rounded knowledge of finance!
By Bobby Jones
In this book, Richard Duncan describes the inherent instability that underlies the contemporary global financial system.

This instability has arisen due to the abandonment of the gold standard in the early 70's by US president Nixon and has recently culminated in a near collapse (foretold although not chronicled in this book)of the system. The ability to borrow is now only limited by a countries perceived ability to repay its loans and as a result the US has ammassed an enormous deficit.

Up until now the deficit has been driven by a viscious circle of China's recycling of its export (to the US) surpluses into US debt securities, in turn leading to an ever widening US deficit. Fortunately this will be counterbalanced in time to come by a decrease in competitiveness in China's exports due to structural labour shortages and a rise in minimum wages. Additionally China's stated imperative is to increase its citizens standard of living and shift from an export driven economy to one driven by internal consumer demand.

3 of 3 people found the following review helpful.
Are you brave enough to read this book
By Eric Harris
I never studied Economics at college so this book became my 101 and explained in depth why foreign countries, until recently, kept buying our US Treasury Notes even though they knew we were trillions of dollars in debt. Intuitively I suspected the current bull market was on borrowed time but this book spells out in detail how our current relative affluence is about to end and nothing can stop this train wreck from happening. This train wreck is not just the end of the latest bull market but the beginning of a severe recession and depression. Richard Duncan brings together the separate catastrophes of Peak Oil, Global Warming, the Collapsing Dollar and the Loss of its Reserve Currency Status and, the Lack of American Savings to clearly explain why the good times are about over. So be warned that this book is not a comfortable read. If like me you are wanting to absorb the message quickly, rather than try to nit pick his findings, then I would fault his over-use of charts and data tables. I started skipping them after I realized they were extra detail and not essential to the theme of the book.

Richard Duncan goes to lengths to explain how we are part of a global economy and gives a plausible reason why the only way out of the coming depression, which mainly is the result of severe trade imbalances between the US/Europe and ASEAN countries, is for these third world exporting countries to raise their living standards. This will likely mean an internationally agreed minimum wage for all forms of labor. Only by using a flat playing field can free trade occur as it is intended to.

Other informative books to read in this gendre are "Crash Proof" by Peter Schiff (Dr Doom)Crash Proof: How to Profit From the Coming Economic Collapse (Lynn Sonberg Books)
and
The Coming Economic Collapse: How You Can Thrive When Oil Costs $200 a Barrel by Dr. Stephen Leeb.

Having read these and other publications I am now cashing in all my diversified US Dollar denominated investments held by a major Wall Street investment house, in order to buy quality foreign stocks and bonds directly from foreign stock exchanges using their own strong currencies. There are ways explained in this book on how to mitigate the coming extreme pain but we will all suffer a diminished life style.

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