Financial Professional's Guide to Qualified Retirement Plans: Planning, Implementation, Operation and Compliance, Second Edition
Average customer rating: 5 out of 5 stars
  • Single Best Guide For Understanding Retirement Plans
Financial Professional's Guide to Qualified Retirement Plans: Planning, Implementation, Operation and Compliance, Second Edition
Stephen Abramson
Manufacturer: Aspen Publishers
ProductGroup: Book
Binding: Paperback

FinanceFinance | Business & Investing | Subjects | Books | Banks & Banking | Corporate Finance | Foreign Exchange | Inflation | Interest
GeneralGeneral | Accounting | Industries & Professions | Business & Investing | Subjects | Books
Human Resources & Personnel ManagementHuman Resources & Personnel Management | Industries & Professions | Business & Investing | Subjects | Books
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GeneralGeneral | Accounting | Accounting & Finance | Professional & Technical | Subjects | Books
GeneralGeneral | Finance | Accounting & Finance | Professional & Technical | Subjects | Books
ASIN: 0735532885

Book Description

Financial Professional's Guide to Qualified Retirement Plans gives business owners and their financial advisors the tools they need to navigate the complex financial rules and regulations governing qualified pension plans. Using clear, jargon-free language, the Guide offers practice-based solutions to everyday client issues and discusses ways to avoid problems and pitfalls. It is arranged as a topical resource, addressing both basic and advanced concepts. Issues covered include:

Ø Choosing the "best" plan for particular clients, depending on their goals and priorities
Ø Complying with rules of establishing and administering a plan
Ø Monitoring plan compliance
Ø Identifying events that trigger plan distributions
Ø Correcting inadvertent plan errors with the least amount of financial pain
Ø Advantages and disadvantages of various types of plans
Ø Unique applications of qualified retirement plans for special business situations
Ø Rules governing plan terminations, as well as alternatives to plan termination

Customer Reviews:

5 out of 5 stars Single Best Guide For Understanding Retirement Plans .......2004-08-10

Steve Abramson's Guide to Qualified Retirement Plans is much more readable, and easier to use for research, than any of the other books in the Aspen Publishers household.

It's very comprehensive, yet sprinkled with real-world examples.

I've been involved in the planning, design, implementation, marketing and sales of retirement plans for business for 25 years. I prefer using this book to rifling through my memory or the internet, or hoping I can get a hold of one of my TPA contacts when I need them.

The 2001 ASTD Training and Performance Yearbook
Average customer rating: Not rated
    The 2001 ASTD Training and Performance Yearbook
    John A. Woods , and James W. Cortada
    Manufacturer: McGraw-Hill Companies
    ProductGroup: Book
    Binding: Hardcover

    GeneralGeneral | Business & Investing | Subjects | Books
    Human Resources & Personnel ManagementHuman Resources & Personnel Management | Industries & Professions | Business & Investing | Subjects | Books
    TrainingTraining | Management & Leadership | Business & Investing | Subjects | Books
    Vocational GuidanceVocational Guidance | Job Hunting & Careers | Business & Investing | Subjects | Books
    Yearbooks & AnnualsYearbooks & Annuals | Almanacs & Yearbooks | Reference | Subjects | Books
    ASIN: 0071364927

    Book Description

    This fifth annual edition of The ASTD Training and Performance Yearbook gives readers the best articles and reference information of the past year from leading training industry periodicals so that trainers can stay current with the changes and cutting-edge thinking in their field. Covering the planning, delivery, and evaluation of performance improvement and training programs¿plus a directory of contact information for key training industry organizations, conferences, and periodicals¿this handy yearbook packs the most important industry trends into one comprehensive guide.
    The 2001 ASTD Training and Performance Yearbook
    Average customer rating: Not rated
      The 2001 ASTD Training and Performance Yearbook
      James W. Cortada John A. Woods
      Manufacturer: McGraw-Hill Companies
      ProductGroup: Book
      Binding: Paperback
      ASIN: B000OFKQL4

      Seeds: Ecology, Biogeography, and Evolution of Dormancy and Germination
      Average customer rating: 5 out of 5 stars
      • Seeds: Ecology, Biogeography, and Evolution of Dormancy and Germination
      • Outstanding contribution in seed dormancy and germination .
      Seeds: Ecology, Biogeography, and Evolution of Dormancy and Germination
      Carol C. Baskin , and Jerry M. Baskin
      Manufacturer: Academic Press
      ProductGroup: Book
      Binding: Paperback

      GeneralGeneral | Gardening & Horticulture | Home & Garden | Subjects | Books
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      ReproductionReproduction | Plants | Biological Sciences | Science | Subjects | Books
      GeneralGeneral | Botany | Biological Sciences | Science | Subjects | Books
      GeneralGeneral | Ecology | Biological Sciences | Science | Subjects | Books
      GeneralGeneral | Agricultural Sciences | Professional Science | Professional & Technical | Subjects | Books
      BotanyBotany | Biological Sciences | Professional Science | Professional & Technical | Subjects | Books
      EcologyEcology | Biological Sciences | Professional Science | Professional & Technical | Subjects | Books
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      All TitlesAll Titles | Qualifying Textbooks - Fall 2007 | Stores | Books
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      Similar Items:
      1. The Ecology of Seeds The Ecology of Seeds
      2. Creative Propagation Creative Propagation
      3. The Ecology of Plants, Second Edition The Ecology of Plants, Second Edition
      4. Ex Situ Plant Conservation: Supporting Species Survival In The Wild (The Science and Practice of Ecological Restoration Series) Ex Situ Plant Conservation: Supporting Species Survival In The Wild (The Science and Practice of Ecological Restoration Series)
      5. Plant-Pollinator Interactions: From Specialization to Generalization Plant-Pollinator Interactions: From Specialization to Generalization

      ASIN: 0120802635

      Book Description

      This book about seeds focuses upon their two most important functions - dormancy and germination. The topics to be covered include the types of dormancy, theories of the relationship between dormancy and germination, the timing of germination, the various factors that control germination, and the general aspects of germination in different sorts of habitats.

      * Provides information on over 3500 species of trees, shrubs, vines, and herbaceous plants
      * * Gives guidelines for doing ecologically meaningful germination studies

      Customer Reviews:

      5 out of 5 stars Seeds: Ecology, Biogeography, and Evolution of Dormancy and Germination.......2007-05-13

      Authoritative and my new guide to unlocking the secrets of dormancy. Written at a level I can understand. It is my latest guide in my quest to grow plants and trees. I thank the authors for the knowledge this book has given me.

      5 out of 5 stars Outstanding contribution in seed dormancy and germination ........1999-09-15

      An amazing book from a peer couple of seed science and technology. Weed seed ecology is my field and it always facinated me, that how a plant showed his strategy against humen interference in its life cycle. This book is clearly answered these question by different ways. I really congratulate the honorable authors for there real contribution in seed science.
      Seeds: Ecology, Biogeography, And Evolution Of Dormancy And Germination
      Average customer rating: Not rated
        Seeds: Ecology, Biogeography, And Evolution Of Dormancy And Germination
        Jerry M. Baskin Carol C. Baskin
        Manufacturer: Academic Press
        ProductGroup: Book
        Binding: Paperback
        ASIN: B000OH2P9S
        Seeds: Ecology, Biogeography, and Evolution of Dormancy and Germination
        Average customer rating: Not rated
          Seeds: Ecology, Biogeography, and Evolution of Dormancy and Germination
          Jerry M. Baskin Carol C. Baskin
          Manufacturer: Academic Press
          ProductGroup: Book
          Binding: Paperback
          ASIN: B000OH6N50

          Black Holes: An Annotated Bibliography, 1975-1983
          Average customer rating: Not rated
            Black Holes: An Annotated Bibliography, 1975-1983
            Steven I. Danko
            Manufacturer: The Scarecrow Press, Inc.
            ProductGroup: Book
            Binding: Hardcover

            GeneralGeneral | Bibliographies & Indexes | Publishing & Books | Reference | Subjects | Books
            ScienceScience | Bibliographies & Indexes | Publishing & Books | Reference | Subjects | Books
            AstronomyAstronomy | Astronomy | Science | Subjects | Books
            Star-GazingStar-Gazing | Astronomy | Science | Subjects | Books
            AstronomyAstronomy | Astronomy | Professional Science | Professional & Technical | Subjects | Books
            ASIN: 0810818361

            Book Description

            No descriptive material is available for this title.

            The Real Science Behind the X-Files: Microbes, Meteorites, and Mutants
            Average customer rating: 5 out of 5 stars
            • A witty and intelligent guide
            • Dummies Guide to Science
            • Simply Wonderful !
            • For the Scientist and Non-Scientist
            • Way More Entertaining than a normal biology textbook...
            The Real Science Behind the X-Files: Microbes, Meteorites, and Mutants
            Anne Simon
            Manufacturer: Simon & Schuster
            ProductGroup: Book
            Binding: Paperback

            GeneralGeneral | Television | Entertainment | Subjects | Books
            1990's through 20041990's through 2004 | Shows | Television | Entertainment | Subjects | Books
            Performing ArtsPerforming Arts | Entertainment | Subjects | Books | Dance | Magic & Illusion | Theater
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            4. THE TRUTH IS OUT THERE: THE OFFICIAL GUIDE TO THE X-FILES THE TRUTH IS OUT THERE: THE OFFICIAL GUIDE TO THE X-FILES
            5. I Want to Believe (The Official Guide to the X-Files, Vol. 3) I Want to Believe (The Official Guide to the X-Files, Vol. 3)

            ASIN: 0684856182
            Release Date: 2001-09-25

            Amazon.com

            In The X-Files episode "The Erlenmeyer Flask," FBI agent Dana Scully shows some bacteria to microbiologist Anne Carpenter, who pronounces them extraterrestrial: containing different DNA nucleotides than those found in Earthly organisms. But like the hapless redshirts of Star Trek, scientists who uncover extraterrestrial evidence have shortened life expectancies. Indeed, Carpenter is soon snuffed out in a highly suspicious car crash. But the real scientist on whom she was based, University of Massachusetts virologist Anne Simon, remained as scientific advisor to the popular program: she is the "X-Pert."

            In her book, Simon describes the scientific basis of various X-Files episodes, and writes about some of her behind-the-scenes work putting the Scully into Scully. Sometimes it gets a little difficult to keep track of when Simon is describing an episode and when she's talking about cutting-edge science, but that's part of her point: "The life of a research scientist is filled with mysteries as complex as any that appear on The X-Files. We are Scullys." Simon knows that this show, for all its paranormal apparatus, gives a taste of the thrill of real science, enough to be inspiring a new generation to follow in Scully's footsteps. --Mary Ellen Curtin

            Book Description

            Could an alien organism really survive a centuries-long trip on a meteor and remain virulent enough to attack a human being? How would a scientist know she was peering at a microbe from another planet? What's the possibility of a genetically mutated monster actually developing?

            In a gripping exploration of the facts behind the science fiction that has enthralled millions of X-philes, Anne Simon -- the respected virologist who comes up with the science for many intriguing episodes -- discusses telomeres, cloning, the Hayflick limit, nanotechnology, endosymbionts, lentiviruses, and other strange phenomena that have challenged the intellect and threatened the lives and sanity of America's favorite FBI agents. With Simon's extraordinary gift for explaining complicated, cutting-edge science in a light, accessible style, and her behind-the-scenes commentary on the development of various plot lines, The Real Science Behind the X-Files will appeal to science buffs and X-Files aficionados alike.

            Customer Reviews:

            5 out of 5 stars A witty and intelligent guide.......2006-09-22

            Simon writes wittily and intelligently about a number of subjects, all of which have been dramatized on the hugely popular television show "The X-Files." There have been other books about the show, episode guides and the like, but for my money this book is best.

            4 out of 5 stars Dummies Guide to Science.......2006-03-30

            I bought this as a bargain book but it is worth the full price! The author writes in a knowledgeable yet humourous style which makes absorption of the subject matter easy for non-scientists, and less than 40 pages into an information packed book I have learned such a lot already. I rated it 4 star because I would have liked to see a glossary at the back and colour photographs would have made a very interesting book moreso. For example, what do the sea slugs that prefer to try to eat each other before taking the alternative option of having sex look like? Other reviews here tell you that the book is based on science fact and fiction touched upon in the X-Files so I don't need to go there. Read it, learn, and laugh. There is nothing funnier than real life.

            5 out of 5 stars Simply Wonderful !.......2005-04-24

            I love the X files and I'm a mixture of Mulder and Scully with regard to their beliefs. But after reading this book, I think I have become a scully!This book is so lucid and simple in its explanation of certain "paranormal" phenomenon. The author does a wondeful job combining biology and humour to explain to the lay person that not all things are paranormal and that if you do a little scientific research most of the things out there will make sense. All my knowledge on DNA, chromosomes, cancer comes from this book !Though she herself admits that not everything you see on the X files can be explained by science, most of the things that happen on a macro scale in the X files happen on a micro scale in real life. Genetic mutation is a reality, a virus surviving an cosmic travel is plausible, and so on. Finally, for those of you who are deceived by books written by the layperson/idiots/quacks, read this book and you will become fascinated as to what science has to offer.

            5 out of 5 stars For the Scientist and Non-Scientist.......2000-09-24

            I came upon this book at the house of a friend and couldn't put it down.

            It is a wonderful read and, to a non-scientist, an entertaining and clear look at some of the scientific mysteries of the universe.

            This is a perfect book for a graduation present and for anyone with an interest in brain-sucking worms, aliens and mutating organisms. I recommend it highly.

            5 out of 5 stars Way More Entertaining than a normal biology textbook..........2000-09-19

            Sexual tension aside, the coolest thing about this show seems to be the questions it poses about nature and science as we know it. And being a molecular biology student, I always get a kick out of shooting down the supposed theories that the show's characters spout out. It's hard sometimes to figure out if Chris Carter and the powers that be are really serious about certain phenomenons/ideas. This book clears it up nicely. Dr. Simon is completely knowledgeable about these topics and presents the information with much more gusto than your typical molecular biology textbook. I'd rather be tested on her book come final exams, but such is life! :)
            Real Science Behind the X-Files: Microbes, Meteorites, and Mutants
            Average customer rating: Not rated
              Real Science Behind the X-Files: Microbes, Meteorites, and Mutants
              Anne Simon; Foreword Chris Carter
              Manufacturer: SIMON & SCHUSTER
              ProductGroup: Book
              Binding: Hardcover
              ASIN: B000OLMULM
              The Real Science behind the X-Files: Microbes, Meteorites, and Mutants
              Average customer rating: Not rated
                The Real Science behind the X-Files: Microbes, Meteorites, and Mutants
                Anne Simon
                Manufacturer: Simon & Schuster
                ProductGroup: Book
                Binding: Paperback
                ASIN: B000VSEMEG

                Camping's Top Secrets, 2nd: A Lexicon of Camping Tips Only the Experts Know (Camping)
                Average customer rating: 5 out of 5 stars
                • What I didn't know
                • An Excellent Resource
                • good book by great outdoor author
                • Basic Essentials series writer puts it all together
                • Wow - this book has it all!
                Camping's Top Secrets, 2nd: A Lexicon of Camping Tips Only the Experts Know (Camping)
                Cliff Jacobson
                Manufacturer: Globe Pequot
                ProductGroup: Book
                Binding: Paperback

                CampingCamping | Hiking & Camping | Outdoors & Nature | Subjects | Books
                GeneralGeneral | Excursion Guides | Hiking & Camping | Outdoors & Nature | Subjects | Books
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                2. Camping Made Easy, 2nd Camping Made Easy, 2nd
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                4. Basic Essentials Camping, 3rd (Basic Essentials Series) Basic Essentials Camping, 3rd (Basic Essentials Series)
                5. Camping for Dummies Camping for Dummies

                Accessories:
                1. Rayovac SPHLTLED 3-in-1 LED Head-Lite Rayovac SPHLTLED 3-in-1 LED Head-Lite
                2. Panasonic ES3830NC Grooming Travel Pack with Single Foil Wet/Dry Shaver and Wet/Dry Nose/Ear Trimmer Panasonic ES3830NC Grooming Travel Pack with Single Foil Wet/Dry Shaver and Wet/Dry Nose/Ear Trimmer

                ASIN: 0762703911

                Book Description

                Discover the best-kept secrets of expert campers, which are divulged in this book by Cliff Jacobson, a seasoned veteran of the sport.

                Customer Reviews:

                5 out of 5 stars What I didn't know.......2005-11-17

                Wow.
                There was a lot of stuff I didn't know. Twenty five years of camping on the average of once a month and I got a lot out of this book. Jacobsen's advice on pitching tarps alone is worth the price of the book. There is a minimal amount of old chestnuts aand lots of really useful information.

                5 out of 5 stars An Excellent Resource.......2005-11-01

                This book lives up to its title. Some of the tips are fascinating, although as a "car camper" I may never utilize them (for example, despite the book's recommendations, a Eureka dome tent is more convenient and practical for my family then, say, a hand-fashioned shelther of canvas and rope, or pine boughs). Nevertheless, even the information that I may never utilize myself is fascinating to read, and the book is otherwise full of "smaller scale" tips and tricks (e.g., cooking, tools, hiking and orienteering, etc.) that are useful to all levels of campers.

                4 out of 5 stars good book by great outdoor author.......2005-08-15

                Cliff Jacobson is in my opinion the best canoe-camping-outdoor equipment-how-to guy writing today. And this book is very good, full of wonderful tips and advice laid out in far greater detail than most any of his competitors can muster.

                Since I enjoy this author so much, I didn't even mind that the organization of "Camping Tips only the Experts Know" is a little haphazard, using the letters of the alphabet. Nor did I mind that most of the camping tips presented I'd already come across in Cliff's other outdoor books, including his masterpiece, "Expedition Canoeing." However, there were just enough brand new tips to keep me turning pages. And the occasional re-tooled old tip explained in even greater and more helpful detail.

                My advice would be, if you're interested in camping, especially canoe camping, then buy everything this author has ever written. You'll be more comfortable and efficient in the great outdoors -- and appreciative of it -- than ever before. But if you can only get one or two of his books, then choose between "Expedition Canoeing" and/or "Canoeing and Camping, Beyond the Basics." They are extraordinary.


                5 out of 5 stars Basic Essentials series writer puts it all together.......2005-07-28

                Cliff Jacobson is one of the authors of a great series of camping books called the "Basic Essentials". He is popular because he writes in a homey accessible style that gets you interested in the subject and teaches you in simple terms anyone can grasp. In the series are books on camping basics, cooking outdoors, map and compass, shelter, weather, canoeing, fishing, first aid, and more. They are great little library to have but if you can't afford them all, buy this one for all the basics. Cliff has put together a book that has information from all of these and a little more. Some of his "secrets" are really helpful tips you may have heard before if you are an experianced camper, but you can bet there will be some new ones too. An all around great resource for the experianced or rookie camper, I highly reccommend.

                5 out of 5 stars Wow - this book has it all!.......2003-06-27

                With this book, Mr. Jacobson has compiled some of the best tips and ideas for camping out of doors. From winter camping to knot-tying, it is a VERY helpful resource for the beginning/intermediate camper. The book is easy to read and easy to reference with subjects listed in alphabetical order. He covers almost anything you could think you want to know about camping, with very good information on canoeing as well. Read this book before you go!

                Paris Travel Pack
                Average customer rating: Not rated
                  Paris Travel Pack
                  Globetrotter
                  Manufacturer: New Holland Publishers (UK) LTD
                  ProductGroup: Book
                  Binding: Paperback

                  Atlases & MapsAtlases & Maps | Reference | Subjects | Books | Atlases | Canada | Historical | Maps | United States | World
                  GeneralGeneral | Europe | Travel | Subjects | Books
                  GeneralGeneral | France | Europe | Travel | Subjects | Books
                  ParisParis | France | Europe | Travel | Subjects | Books
                  GeneralGeneral | Travel | Subjects | Books
                  ASIN: 1853689610

                  Book Description

                  Practical, informative and user-friendly, the Globetrotter Travel Guide to Paris highlights the major places of interest, describing their principal attractions and offering sound suggestions on where to tour, stay, eat, shop and relax.

                  This guide is ideal for the first time visitor with over 30 full-color area maps, town plans and locator maps as well as over 85 full color photographs.
                  Paris Travel Pack (Globetrotter Travel Packs)
                  Average customer rating: Not rated
                    Paris Travel Pack (Globetrotter Travel Packs)
                    Melissa Shales
                    Manufacturer: New Holland Publishers (UK) Ltd.
                    ProductGroup: Book
                    Binding: Paperback

                    GeneralGeneral | Europe | Travel | Subjects | Books
                    GeneralGeneral | France | Europe | Travel | Subjects | Books
                    ParisParis | France | Europe | Travel | Subjects | Books
                    GuidebooksGuidebooks | Reference & Tips | Travel | Subjects | Books
                    GeneralGeneral | Travel | Subjects | Books
                    ASIN: 1845371542

                    Book Description

                    Exceptional value for money, including both a guidebook and a softcover version of the fold-out Globetrotter map, in a pocket-sized printed plastic wallet.
                    Globetrotter Pack: Paris
                    Average customer rating: Not rated
                      Globetrotter Pack: Paris
                      Nick Hanna
                      Manufacturer: New Holland Publishers (UK) Ltd
                      ProductGroup: Book
                      Binding: Paperback

                      GuidebooksGuidebooks | Reference & Tips | Travel | Subjects | Books
                      GeneralGeneral | France | Europe | Travel | Subjects | Books
                      ParisParis | France | Europe | Travel | Subjects | Books
                      GeneralGeneral | Travel | Subjects | Books
                      ASIN: 1843304392

                      I Wish I Had Waited
                      Average customer rating: 4 out of 5 stars
                      • Fifteen and Pregnant
                      • I Understand Where The Book Was Going But....
                      • Makes Quite A Case For Abstinence
                      • A Good Read for Teens
                      • A Book for both Teens and Parents
                      I Wish I Had Waited
                      Sylvia Willis Lett
                      Manufacturer: Letts Dream Big Publishing
                      ProductGroup: Book
                      Binding: Paperback

                      GeneralGeneral | Ages 4-8 | Children's Books | Subjects | Books
                      GeneralGeneral | Literature & Fiction | Teens | Subjects | Books
                      FictionFiction | Dating & Intimacy | Social Issues | Teens | Subjects | Books
                      ASIN: 0976182904

                      Download Description

                      Meet three girls who make choices, which will impact their lives as well as those around them. Rainey, Alicia and Tamara face issues regarding coming of age and teen sexuality. Rainey Michaels is the product of a broken home. Making one bad decision after another, she ends up pregnant at fifteen. Tamara Sims is a spoiled and pampered little rich girl. Her innocence and nativity will land her in more trouble than she can handle. She soon discovers pregnancy is not the worst thing that could happen as her life is sent into a tailspin and she struggles with her own immortality. Alicia Perez is smart, level headed with a heart of gold. Her plans for a romantic afternoon go awry and her life will never be the same.

                      Customer Reviews:

                      4 out of 5 stars Fifteen and Pregnant.......2006-06-03

                      This book reminds me of the movie Fifteen and Pregnant. There are three friends with the same issue of sex before marriage. Rainey's situation is very common when a teenage girl grows up in a single parent home and she doesn't get the attention that she needs because her mother has to solo as head of the house, thus, neglecting (not purposely) the care and nurture of her daughter. It's not often when the boyfriend agrees to remain a virgin with his girlfriend until they marry but this is the way it is supposed to be. I found the three situations very entertaining and educational but a little preachy. The teenagers were typical -- they argued with each other, got mad with each other and lost trust in one another. This is why a lot of teen girls can relate to books like this. I would definitely recommend this novel to parents for their teens to read. This is on my daughters (14 and 16) bookshelf ready to be read and reviewed.

                      2 out of 5 stars I Understand Where The Book Was Going But...........2006-05-13

                      it didn't quite make it. The author's attempt to shine a light on one of the oldest but still important topic of teen sex reads like an old Afterschool Special. Between the three teenage girls in this novel, they deal with abortion, infertility, rape, and HIV. Yes these consequences are real but the stiff, outdated dialogue makes it hard to take the extreme consequences in this book seriously.

                      Hats off for the topic and the effort put out by this author. Competition in young adult fiction is tough. There's nothing wrong with hitting heavy topics but you don't want it to bounce off of deaf ears by not making the language and storyline fit the times. Most people don't like to be preached to, that goes double for teenagers. I suggest that you choose your approach through storylines carefully. It could make the difference of your book moving off the shelves to a cash register or just being moved over in order to grab another book by someone else.

                      5 out of 5 stars Makes Quite A Case For Abstinence.......2004-12-21

                      "I Wish I Had Waited" by Sylvia Willis Lett makes the perfect case for abstinence. In this book we are introduced to Rainey, Tamara and Alicia, three women of different races who have been friends for their entire lives. Sometime around junior high or high school, their friendship fizzles due to boys, rumors and typical drama among young females.

                      The reason I say that this book makes the perfect case for abstinence is because the drama that each of the young girls experiences, is enough to frighten an adult woman. Probably the most striking story of the three is the story of young Rainey, the young woman who has an abortion. Her story is likely to cause inner conflict with the pro-choice crowd, but one must read carefully, Rainey took part in an abortion under unscrupulous circumstances which led to her tragic circumstances. Rainey is not only left with guilt, but finds herself in so much drama following the abortion.

                      Tamara and Alicia each have dramatic circumstances surrounding sex. This was a really good book and young women will want to read it. The characters are detailed and likeable. My only suggestion is that I probably would have had one character not have such detrimental circumstances surrounding sex, something teens that have friends that went all the way might identify with. Perhaps one character who lost her virginity and just decided that sex just wasn't for her. As much as we would like to believe that terrible things happen when teens have sex, there are some teens that go all the way that don't suffer the tragic circumstances that this trio does. The title of the book is, "I Wish I Had Waited," which is why this book is the PERFECT book to use in an abstinence program associated with a class, social group or church situation, or even something to share with a daughter or a niece.

                      4 out of 5 stars A Good Read for Teens.......2004-12-20

                      Sylvia Lett has crafted a story that is a good read for teenage girls--and their mothers.

                      Three girls whose tight friendship has been torn asunder are reunited one fateful night. Seeking solace, each finds her way to the abandoned treehouse where they had spent countless hours as children. There, each girl reveals the impact of a bad decision involving sex. Although each has a different situation, the impact on each is devastating and life-threatening. There's no fairy-tale ending, but one that shows how each girl was able to triumph and grow.

                      Whether we like it or not, our girls are being exposed to sexuality at earlier ages. This book is a timely and ideal vehicle to open frank, and often difficult, discussions with our girls. It provides life lessons without being preachy.

                      5 out of 5 stars A Book for both Teens and Parents.......2004-10-22

                      I WISH I HAD WAITED by Sylvia Willis Lett is a must read for teen-age girls and their parents. The novel revolves around three friends: Rainey, Tamara, and Alicia. They have a story to tell that will tug at the heartstrings.

                      Rainey thinks she's in love with her boyfriend Zeke, but finds out he's not the guy she thought he was. When her back is up against the wall, she listens to Zeke against her better judgment. The decision she makes may cost her, her life.

                      Alicia and her boyfriend Franco vow to remain virgins until they marry. Temptation clouds Alicia's judgment and unfortunately tragedy strikes. The events that follow turn their lives upside down. Will their love be able to sustain them through the tragedy or will it be too late?

                      When Tamara's boyfriend accuses Alicia of coming on to him, she and her best friends have a falling out. Soon afterwards, she discovers he isn't the faithful type. Scared and ashamed to share her secret, Tamara is left to face her personal tragedy alone. Is it too late to repair her friendship with Alicia and Rainey?

                      Each young lady goes through their own set of growing pains but have a centralized issue they suffer from: issues resulting from pre-marital sex. Although this is a work of fiction, this book touches on real life situations and issues faced by today's teens.

                      I highly recommend I WISH I HAD WAITED. Ms. Lett has written a book that will help open the lines of communication between teens and their parents.

                      Books:

                      1. Four Seasons TD Mac, Century Acct Advanced Course
                      2. Fundamental Accounting Principles: Spreadsheet Applications Template Software for Microsoft Windows, Chapters 1-12
                      3. Fundamentals of Intermediate Accounting, Rockford Corporation: A Computerized Accounting Practice Set
                      4. Fundamentals of Intermediate Accounting, w/Take Action! CD and 3M Annual Report, Problem Solving Survival Guide w/Excel Working Papers CD
                      5. General Ledger Software and Accounting Principles Third Edition Set
                      6. Grundlagen der Betriebswirtschaftslehre für Ingenieure (Springer-Lehrbuch)
                      7. How to Master Finance: A No-Nonsense Guide to Understanding Business Accounts
                      8. IBM 3" Cmb Dsk-Auto Acct F /Microcompute
                      9. Ingram Xtra: To Accompany Accounting: Information for Decisions
                      10. Instituciones y nueva gestion publica en America Latina/ Institutions And New Public Formalities of Latin America

                      Books Index

                      Books Home

                      Recommended Books

                      1. Principles of Corporate Finance + Student CD + Ethics in Finance PowerWeb + Standard and Poor's
                      2. In the Time of the Butterflies
                      3. Hot Money and the Politics of Debt, Third Edition
                      4. History of Economic Analysis: With a New Introduction
                      5. Introductory Econometrics: A Modern Approach
                      6. Messenger of Truth: A Maisie Dobbs Novel
                      7. Inform, Advise and Support: Fifty Years of the Citizens Advice Bureau
                      8. If You're So Smart: The Narrative of Economic Expertise
                      9. Intangible Finance Standards: Advances in Fundamental Analysis and Technical Analysis
                      10. Ursula, Under