Mail Fraud

Hearings Before the Subcommittee on Postal Operations and Services of the Committee on Post Office and Civil Service, House of Representatives, One Hundred Third Congress, First Session, May 19, July 21, and October 6, 1993

Mail Fraud


Selling Hope

State Lotteries in America

Selling Hope

Looks at the history of state lotteries, discusses whether lotteries are ethical and assesses their effectiveness as a source of government funding

Hitting the Lottery Jackpot

State Governments and the Taxing of Dreams

Hitting the Lottery Jackpot

When thirteen machine shop workers from Ohio won a $295.7 million lotto jackpot, the largest ever, it made headlines. But the real story is that the lottery is a losing proposition for the vast majority who play it. Hitting the Lottery Jackpot provides the hard truth to the questions everybody asks: What are my chances of winning? Doesn't the money go to education? Isn't it harmless? This concise book explains who really profits from lotteries-advertising agencies, TV stations, and ticket vendors-and that shows only about half the money wagered is returned as prizes, the rest pocketed by state governments. Hitting the Lottery Jackpot also demonstrates who loses: lower-income groups and people of color, who spend a much higher percentage of their income on lotteries than others. David Nibert connects the rise of lotteries, illegal in every state before the 1960s, to the economic stagnation beginning in the 1970s, when budgetary crises prompted legislatures to seek new revenues. Difficult economic times produced uncertainty and anxiety for the working class, leading many poor and middle-income people, yearning for security, to throw away huge sums on lotteries they stand almost no chance of winning. Finally, Nibert explores the ideological dimensions of the lottery-the get-rich-quick individualism that they promote among the very groups who would be better served by political action and solidarity. Hitting the Lottery Jackpot is a powerful case for seeing lotteries as a pernicious government tax on the poor, seductively disguised as fun.

The Secret Dreamworld Of A Shopaholic

(Shopaholic Book 1)

The Secret Dreamworld Of A Shopaholic

----------------------------------------------------- The fabulous first Shopaholic novel by international No. 1 bestselling author Sophie Kinsella. The perfect pick-me-up when life is hanging in the (bank) balance . . . ! ----------------------------------------------------- Meet Rebecca Bloomwood. She has a great flat, a fabulous wardrobe full of the season's must-haves, and a job telling other people how to manage their money. She spends her leisure time ... shopping. Retail therapy is the answer to all her problems. She knows she should stop, but she can't. She tries Cutting Back, she tries Making More Money. But neither seems to work. The letters from the bank are getting harder to ignore. Can Becky ever escape from this dreamworld, find true love, and regain the use of her credit card? Everybody loves Sophie Kinsella: "I almost cried with laughter" Daily Mail "Hilarious . . . you'll laugh and gasp on every page" Jenny Colgan "Properly mood-altering . . . funny, fast and farcical. I loved it" Jojo Moyes "A superb tale. Five stars!" Heat

The Money Coach's Guide to Your First Million

7 Smart Habits to Building the Wealth of Your Dreams

The Money Coach's Guide to Your First Million

As seen on CNBC, “Dr. Phil,” “Starting Over,” and “Tavis Smiley” Each day, nearly 25,000 people in the U.S. become millionaires…. Why not you? All it takes is smart planning, shrewd investing, and a little personal coaching-from the world-renowned Money Coach, Lynnette Khalfani. She's living proof that you can go from rags to riches if you follow a few simple guidelines. Believe it or not, Lynnette managed to dig herself out of $100,000 of credit card debt, turn her life around, and become a millionaire herself. Even more amazing: You can do it, too. The Money Coach's Guide to Your First Million tells you exactly what to do. First you'll formulate an easy-to-follow budget that fits your lifestyle. Then you'll be able to construct a plan to get out of debt, establish perfect credit, and save a bundle, using the same strategies the wealthy do to manage the money they have-and to keep making more. Soon you'll learn how to invest in stocks and bonds (without losing your shirt) and make a fortune in real estate (without becoming a landlord if you don't want to.) You'll learn the financial benefits of entrepreneurship and discover the SMART way to set goals (Specific, Measurable, Action-oriented, Realistic, and Time-bound.) You'll avoid the most common financial pitfalls and come out on top every time. In fact, you're just 7 steps away from your first million! The Money Coach's “Millionaire Success Formula” will show you how to: Make a personal prosperity plan Invest first, last, and always in your reputation Live like a lender, not a borrower Leverage the power of property Increase your fortune with proven methods not shortcuts Overcome setbacks and minimize risks to your financial health Never forget the next generation

Where Did My Money Go?

An Honest Look at Perpetual Debt and the Fiscal Slavery of the American Family from a Christian Perspective

Where Did My Money Go?

Have you ever wondered why you, like most Americans, are broke at the end of every month? Are you a slave to the monthly payment? Do you believe that things in your life would be better if you only got that well-deserved raise? Are you stuck in debt and believe there is no way out and no other way to obtain lifes needs? Did you know one-third of your lifes earnings will go to your house payment as another third goes to pay taxes? Would you like a better way to look at personal finances that will set you free from the shackles of the modern system of debt? Then this could be the very thing you need, as the answers to these questions will be easily explained within. The key to wealth is to be debt free, as commanded by God. Where Did My Money Go? can lead you in that direction by teaching you how to become debt free and recognize the predators knocking on your door in a culture dripping with materialism. Take a journey into a new life free from the banks, finance companies, mortgage companies, college loan companies, and all the other wolves at your door who simply want to take your hard-earned dollar.