Living Rich with Coupons

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Author :
Publisher : Archer Books
ISBN 13 : 9781941729090
Total Pages : 224 pages
Book Rating : 4.7/5 (29 download)

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Book Synopsis Living Rich with Coupons by : Cindy Livesey

Download or read book Living Rich with Coupons written by Cindy Livesey and published by Archer Books. This book was released on 2015-09 with total page 224 pages. Available in PDF, EPUB and Kindle. Book excerpt: Entering the crazy world of couponing can literally change your life and your lifestyle! You'll start making ends meet, pay off your debt, create a financial cushion, and feel freer and happier than you've felt in years, maybe decades. That's living rich with coupons! Use the tools you get from this book to build your superpowers. Even Wonder Woman needs her indestructible bracelets, and you're about to receive yours. It doesn't matter if you make $15,000 a year or $250,000 a year--everyone needs a budget they can stick to and follow. Cindy helps you to uncover every savings opportunity at your local stores. You're going to find out exactly what you need to do to save and how to use those coupons correctly.

The Rich Boy

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Author :
Publisher : Kylie Scott LLC
ISBN 13 : 0648457273
Total Pages : 240 pages
Book Rating : 4.6/5 (484 download)

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Book Synopsis The Rich Boy by : Kylie Scott

Download or read book The Rich Boy written by Kylie Scott and published by Kylie Scott LLC. This book was released on 2020-03-09 with total page 240 pages. Available in PDF, EPUB and Kindle. Book excerpt: I’m the type of girl who’s given up on fairy tales. So when Beck – the hot new busboy at work – starts flirting with me, I know better than to get my hopes up. Happily ever afters aren’t for the average. I learned that the hard way. But how can I be expected to resist a man who can quote Austen, loves making me laugh, and seems to be everything hot and good in this world? Only there’s so much more to him than that. Billionaire playboy? Check. Troubled soul? Check. The owner of my heart, the man I’ve moved halfway across the country to be with, who’s laying the world at my feet in order to convince me to never leave? Check. Check. Check. But nobody does complicated like the one percent. This is not your everyday rags-to-riches, knight-in-shining armor whisking the poor girl off her feet kind of story. No, this is much messier. “Rich Boy takes you on a literal ride! Funny. Angsty. There's mean rich people and people you root for. It's a definite recommend from me! –Tijan, New York Times bestselling author “Rich Boy was witty, exciting and had the most intense slow burn romance I’ve read in a long time. The complexity of the characters was refreshing and made me wish for more!”—Audrey Carlan, #1 New York Times bestselling author

Pick Another Checkout Lane, Honey

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Author :
Publisher :
ISBN 13 : 9780984149780
Total Pages : 0 pages
Book Rating : 4.1/5 (497 download)

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Book Synopsis Pick Another Checkout Lane, Honey by : Joanie Demer

Download or read book Pick Another Checkout Lane, Honey written by Joanie Demer and published by . This book was released on 2009-11-17 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: What if you could save over 70% on your monthly grocery budget and build a stockpile of food at the same time? Don t be a skeptic! Pick Another Checkout Lane, Honey will jumpstart your journey to saving $600 per month! If you re interested in the idea but overwhelmed by the logistics, you ll love our step-by-step approach that transforms even the most timid shopper from coupon-shy to coupon-savvy. Authors Joanie Demer and Heather Wheeler share their expertise along with hundreds of tried and true coupon tips in a fun, user-friendly format that will have you high-fiving the grocery store cashier in no time.

The Millionaire Fastlane

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Author :
Publisher : Viperion Publishing Corp
ISBN 13 : 0984358102
Total Pages : 337 pages
Book Rating : 4.9/5 (843 download)

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Book Synopsis The Millionaire Fastlane by : MJ DeMarco

Download or read book The Millionaire Fastlane written by MJ DeMarco and published by Viperion Publishing Corp. This book was released on 2011-01-04 with total page 337 pages. Available in PDF, EPUB and Kindle. Book excerpt: 10TH ANNIVERSARY EDITION Is the financial plan of mediocrity -- a dream-stealing, soul-sucking dogma known as "The Slowlane" your plan for creating wealth? You know how it goes; it sounds a lil something like this: "Go to school, get a good job, save 10% of your paycheck, buy a used car, cancel the movie channels, quit drinking expensive Starbucks mocha lattes, save and penny-pinch your life away, trust your life-savings to the stock market, and one day, when you are oh, say, 65 years old, you can retire rich." The mainstream financial gurus have sold you blindly down the river to a great financial gamble: You've been hoodwinked to believe that wealth can be created by recklessly trusting in the uncontrollable and unpredictable markets: the housing market, the stock market, and the job market. This impotent financial gamble dubiously promises wealth in a wheelchair -- sacrifice your adult life for a financial plan that reaps dividends in the twilight of life. Accept the Slowlane as your blueprint for wealth and your financial future will blow carelessly asunder on a sailboat of HOPE: HOPE you can find a job and keep it, HOPE the stock market doesn't tank, HOPE the economy rebounds, HOPE, HOPE, and HOPE. Do you really want HOPE to be the centerpiece for your family's financial plan? Drive the Slowlane road and you will find your life deteriorate into a miserable exhibition about what you cannot do, versus what you can. For those who don't want a lifetime subscription to "settle-for-less" and a slight chance of elderly riches, there is an alternative; an expressway to extraordinary wealth that can burn a trail to financial independence faster than any road out there. Why jobs, 401(k)s, mutual funds, and 40-years of mindless frugality will never make you rich young. Why most entrepreneurs fail and how to immediately put the odds in your favor. The real law of wealth: Leverage this and wealth has no choice but to be magnetized to you. The leading cause of poorness: Change this and you change everything. How the rich really get rich - and no, it has nothing to do with a paycheck or a 401K match. Why the guru's grand deity - compound interest - is an impotent wealth accelerator. Why the guru myth of "do what you love" will most likely keep you poor, not rich. And 250+ more poverty busting distinctions... Demand the Fastlane, an alternative road-to-wealth; one that actually ignites dreams and creates millionaires young, not old. Change lanes and find your explosive wealth accelerator. Hit the Fastlane, crack the code to wealth, and find out how to live rich for a lifetime.

Cut Your Grocery Bill in Half with America's Cheapest Family

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Author :
Publisher : HarperChristian + ORM
ISBN 13 : 1400203104
Total Pages : 320 pages
Book Rating : 4.4/5 (2 download)

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Book Synopsis Cut Your Grocery Bill in Half with America's Cheapest Family by : Steve Economides

Download or read book Cut Your Grocery Bill in Half with America's Cheapest Family written by Steve Economides and published by HarperChristian + ORM. This book was released on 2010-09-27 with total page 320 pages. Available in PDF, EPUB and Kindle. Book excerpt: You Can Save Thousands a Year on Your Grocery Bill Without Cutting Coupons Imagine grocery shopping once-a-week or less, eating healthier, and having more free time—all while saving money. Sound too good to be true? For the Economides family, it’s a reality, and it can be yours too. What could the average family do with an extra $3,000 a year? America’s Cheapest Family® shows you strategies, tips, tools, and tricks in Cut Your Grocery Bill in Half, so you can achieve huge savings year after year. It’s a fact, the Economides say, saving money on groceries is one of the quickest ways to start making a positive difference in your family’s financial future. And these tips and strategies can work whether you’re shopping for seven or for one. Spend less time shopping and cooking Get more bang for your grocery buck Plan meals for picky eaters and busy schedules Discover kitchen tools that streamline meal preparations Learn many ways to eat out or eat in and save big Turn your freezer into a money-making machine Endorsements: "Many people think that it's impossible to reduce your grocery bill by 50%. But you can. Steve and Annette Economides provide step-by-step instructions in "Cut Your Grocery Bill in Half." Tools that are practical and easy to follow. No special shopping or cooking skills required. Anyone can see a surprising reduction in their grocery budget if they follow the Economides' methods. And, best of all, the savings begin right away. You don't need to finish the whole book to benefit. You'll find money-saving ideas that you can put to use in the first chapter, and every chapter thereafter. Normally I advise people to check books out of the library and save the cost of the book. But this is one do-it-yourself guide to lower grocery bills that you'll want to have on your bookshelf or kitchen countertop." Gary Foreman, Publisher, The DollarStretcher.com “If you are eager to save on groceries, but don't always have the time to clip coupons, this book is for you! It’s perfect if you're interested in more ways to cut costs, reduce waste, and get organized. This is an awesome book for the novice or the skilled cook.” Tawra Kellam and Jill Cooper—editors of LivingOnADime.com and authors of “Dining On A Dime Cookbook” “I've known Steve and Annette for several years and they definitely live what they believe. If you're serious about spending less money at the grocery store, this book offers some practical ways to achieve your goal. When it comes to stretching your dollar, I know of no one with more experience than Steve and Annette.” JJ Heller—Singer/Songwriter

Dig Out of Debt

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Author :
Publisher :
ISBN 13 : 9780967697468
Total Pages : 217 pages
Book Rating : 4.6/5 (974 download)

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Book Synopsis Dig Out of Debt by : Jill Cooper

Download or read book Dig Out of Debt written by Jill Cooper and published by . This book was released on 2007-09-01 with total page 217 pages. Available in PDF, EPUB and Kindle. Book excerpt:

The Subtle Art of Not Giving a F*ck

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Author :
Publisher : HarperCollins
ISBN 13 : 006245773X
Total Pages : 197 pages
Book Rating : 4.0/5 (624 download)

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Book Synopsis The Subtle Art of Not Giving a F*ck by : Mark Manson

Download or read book The Subtle Art of Not Giving a F*ck written by Mark Manson and published by HarperCollins. This book was released on 2016-09-13 with total page 197 pages. Available in PDF, EPUB and Kindle. Book excerpt: #1 New York Times Bestseller Over 10 million copies sold In this generation-defining self-help guide, a superstar blogger cuts through the crap to show us how to stop trying to be "positive" all the time so that we can truly become better, happier people. For decades, we’ve been told that positive thinking is the key to a happy, rich life. "F**k positivity," Mark Manson says. "Let’s be honest, shit is f**ked and we have to live with it." In his wildly popular Internet blog, Manson doesn’t sugarcoat or equivocate. He tells it like it is—a dose of raw, refreshing, honest truth that is sorely lacking today. The Subtle Art of Not Giving a F**k is his antidote to the coddling, let’s-all-feel-good mindset that has infected American society and spoiled a generation, rewarding them with gold medals just for showing up. Manson makes the argument, backed both by academic research and well-timed poop jokes, that improving our lives hinges not on our ability to turn lemons into lemonade, but on learning to stomach lemons better. Human beings are flawed and limited—"not everybody can be extraordinary, there are winners and losers in society, and some of it is not fair or your fault." Manson advises us to get to know our limitations and accept them. Once we embrace our fears, faults, and uncertainties, once we stop running and avoiding and start confronting painful truths, we can begin to find the courage, perseverance, honesty, responsibility, curiosity, and forgiveness we seek. There are only so many things we can give a f**k about so we need to figure out which ones really matter, Manson makes clear. While money is nice, caring about what you do with your life is better, because true wealth is about experience. A much-needed grab-you-by-the-shoulders-and-look-you-in-the-eye moment of real-talk, filled with entertaining stories and profane, ruthless humor, The Subtle Art of Not Giving a F**k is a refreshing slap for a generation to help them lead contented, grounded lives.

Stop Acting Rich

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Author :
Publisher : John Wiley & Sons
ISBN 13 : 1118011570
Total Pages : 295 pages
Book Rating : 4.1/5 (18 download)

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Book Synopsis Stop Acting Rich by : Thomas J. Stanley

Download or read book Stop Acting Rich written by Thomas J. Stanley and published by John Wiley & Sons. This book was released on 2011-07-12 with total page 295 pages. Available in PDF, EPUB and Kindle. Book excerpt: The bestselling author of The Millionaire Next Door reveals easy ways to build real wealth With well over two million of his books sold, and huge praise from many media outlets, Dr. Thomas J. Stanley is a recognized and highly respected authority on how the wealthy act and think. Now, in Stop Acting Rich ? and Start Living Like a Millionaire, he details how the less affluent have fallen into the elite luxury brand trap that keeps them from acquiring wealth and details how to get out of it by emulating the working rich as opposed to the super elite. Puts wealth in perspective and shows you how to live rich without spending more Details why we spend lavishly and how to stop this destructive cycle Discusses how being "rich" means more than just big houses and luxury cars A defensive strategy for tough times, Stop Acting Rich shows readers how to live a rich, happy life through accumulating more wealth and using it to achieve the type of financial freedom that will create true happiness and fulfillment.

The Real Book of Real Estate

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Author :
Publisher : ReadHowYouWant.com
ISBN 13 : 1458772500
Total Pages : 462 pages
Book Rating : 4.4/5 (587 download)

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Book Synopsis The Real Book of Real Estate by : Robert T. Kiyosaki

Download or read book The Real Book of Real Estate written by Robert T. Kiyosaki and published by ReadHowYouWant.com. This book was released on 2010-05 with total page 462 pages. Available in PDF, EPUB and Kindle. Book excerpt: From the #1 bestselling author of "Rich Dad, Poor Dad" comes the ultimate guide to real estate--the advice and techniques every investor needs to navigate through the ups, downs, and in-betweens of the market.

The Great Influenza

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Publisher : Penguin
ISBN 13 : 9780143036494
Total Pages : 580 pages
Book Rating : 4.0/5 (364 download)

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Book Synopsis The Great Influenza by : John M. Barry

Download or read book The Great Influenza written by John M. Barry and published by Penguin. This book was released on 2005-10-04 with total page 580 pages. Available in PDF, EPUB and Kindle. Book excerpt: #1 New York Times bestseller “Barry will teach you almost everything you need to know about one of the deadliest outbreaks in human history.”—Bill Gates "Monumental... an authoritative and disturbing morality tale."—Chicago Tribune The strongest weapon against pandemic is the truth. Read why in the definitive account of the 1918 Flu Epidemic. Magisterial in its breadth of perspective and depth of research, The Great Influenza provides us with a precise and sobering model as we confront the epidemics looming on our own horizon. As Barry concludes, "The final lesson of 1918, a simple one yet one most difficult to execute, is that...those in authority must retain the public's trust. The way to do that is to distort nothing, to put the best face on nothing, to try to manipulate no one. Lincoln said that first, and best. A leader must make whatever horror exists concrete. Only then will people be able to break it apart." At the height of World War I, history’s most lethal influenza virus erupted in an army camp in Kansas, moved east with American troops, then exploded, killing as many as 100 million people worldwide. It killed more people in twenty-four months than AIDS killed in twenty-four years, more in a year than the Black Death killed in a century. But this was not the Middle Ages, and 1918 marked the first collision of science and epidemic disease.

Cultivate

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Author :
Publisher : Thomas Nelson
ISBN 13 : 0718021673
Total Pages : 268 pages
Book Rating : 4.7/5 (18 download)

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Book Synopsis Cultivate by : Lara Casey

Download or read book Cultivate written by Lara Casey and published by Thomas Nelson. This book was released on 2017-06-27 with total page 268 pages. Available in PDF, EPUB and Kindle. Book excerpt: A flourishing, fulfilling life is possible—no perfection required! Too many of us think we have to have it all together in order to live a meaningful life. Instead of feeling put together, we end up feeling inadequate, overwhelmed, and exhausted as we try to figure out how to do it all. Author, business owner, and mom to three Lara Casey has been there, too. In Cultivate, she offers this grace-filled advice: we can't do it all and do it well, but we can choose to cultivate what matters Written as part encouragement anthem and part practical guide, Cultivate offers wisdom from God's Word alongside lessons Lara has learned in her own life--and in her garden--giving you the tools you need to: Discern what matters most to you Embrace the season of life that you're in Find the joy and freedom that comes with cultivating what matters Let Lara be your guide as you learn to cultivate what matters, little by little, with the help of God's transforming grace. Praise for Cultivate: "Cultivate is rich soil for the soul! Whether you are a new sprout, just beginning to brave life in the light; a tender shoot fighting for space among rocks and weeds; or a mature plant in need of nurture and pruning, this book will help you thrive. With her characteristic honesty, humility, and patience, Lara Casey uses her spiritual 'green thumb' to gently nudge us toward an intentional life of godliness and growth. If you are ready for a new season of spiritual growth, dig into Cultivate and get ready to bloom!" --Elizabeth Laing Thompson, author of When God Says "Wait"

I Will Teach You to Be Rich, Second Edition

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Author :
Publisher : Workman Publishing Company
ISBN 13 : 1523505745
Total Pages : 353 pages
Book Rating : 4.5/5 (235 download)

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Book Synopsis I Will Teach You to Be Rich, Second Edition by : Ramit Sethi

Download or read book I Will Teach You to Be Rich, Second Edition written by Ramit Sethi and published by Workman Publishing Company. This book was released on 2019-05-14 with total page 353 pages. Available in PDF, EPUB and Kindle. Book excerpt: The groundbreaking NEW YORK TIMES and WALL STREET JOURNAL BESTSELLER that taught a generation how to earn more, save more, and live a rich life—now in a revised 2nd edition. Buy as many lattes as you want. Choose the right accounts and investments so your money grows for you—automatically. Best of all, spend guilt-free on the things you love. Personal finance expert Ramit Sethi has been called a “wealth wizard” by Forbes and the “new guru on the block” by Fortune. Now he’s updated and expanded his modern money classic for a new age, delivering a simple, powerful, no-BS 6-week program that just works. I Will Teach You to Be Rich will show you: • How to crush your debt and student loans faster than you thought possible • How to set up no-fee, high-interest bank accounts that won’t gouge you for every penny • How Ramit automates his finances so his money goes exactly where he wants it to—and how you can do it too • How to talk your way out of late fees (with word-for-word scripts) • How to save hundreds or even thousands per month (and still buy what you love) • A set-it-and-forget-it investment strategy that’s dead simple and beats financial advisors at their own game • How to handle buying a car or a house, paying for a wedding, having kids, and other big expenses—stress free • The exact words to use to negotiate a big raise at work Plus, this 10th anniversary edition features over 80 new pages, including: • New tools • New insights on money and psychology • Amazing stories of how previous readers used the book to create their rich lives Master your money—and then get on with your life.

Bargain Fever

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Author :
Publisher : Penguin
ISBN 13 : 1591847052
Total Pages : 306 pages
Book Rating : 4.5/5 (918 download)

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Book Synopsis Bargain Fever by : Mark Ellwood

Download or read book Bargain Fever written by Mark Ellwood and published by Penguin. This book was released on 2014-09-25 with total page 306 pages. Available in PDF, EPUB and Kindle. Book excerpt: Almost half of everything sold in America is listed at some kind of promotional price. People don't only want a deep discount, they expect it - and won't settle for anything less. In this playful, deeply researched book, journalist Mark Ellwood takes a trip into this new landscape. From the floor of upscale department store Sergdorf Goodman to the bustling aisles of a Turkish bazaar, from the outlet Disneyworld of rural Pennsylvania to a town in Florida that can claim to be couponing's spiritual capital, Ellwood shows how some people are, quite literally, born to be bargain junkies thanks to a quirk of their DNA. He also uncovers the dark side of discounting: the sales-driven sleights of hand that sellers employ to hoodwink unsuspecting buyers. Bargain Feveris a manual for thriving in this new era, when deal hunting has gone from being a sign of indigence to one of intelligence. There's never been a better time to be a buyer - at least if you know how the game works. 'This book is a bargain hunter's bible.' Michael Tonello, author of Bringing Home the Birkin'Bargain Fever is just as fierce, funny, tenacious, and tantalizing as its author. I love this book.' Kelly Cutrone, founder, People's Revolution, and author of Normal Gets You Nowhere'A book after my own heart. Bargain Fever lifts the veils off the sales, ensuring even more that you'll never pay retail again.' Carmen Wong Ulrich, financial contributor, CBS This Morning, and author of Generation Debt'Highly informative and entertaining.' Booklist

The Simple Path to Wealth

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Author :
Publisher : Jl Collins LLC
ISBN 13 : 9781737724100
Total Pages : 286 pages
Book Rating : 4.7/5 (241 download)

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Book Synopsis The Simple Path to Wealth by : Jl Collins

Download or read book The Simple Path to Wealth written by Jl Collins and published by Jl Collins LLC. This book was released on 2021-08-16 with total page 286 pages. Available in PDF, EPUB and Kindle. Book excerpt: "In the dark, bewildering, trap-infested jungle of misinformation and opaque riddles that is the world of investment, JL Collins is the fatherly wizard on the side of the path, offering a simple map, warm words of encouragement and the tools to forge your way through with confidence. You'll never find a wiser advisor with a bigger heart." -- Malachi Rempen: Filmmaker, cartoonist, author and self-described ruffian This book grew out of a series of letters to my daughter concerning various things-mostly about money and investing-she was not yet quite ready to hear. Since money is the single most powerful tool we have for navigating this complex world we've created, understanding it is critical. "But Dad," she once said, "I know money is important. I just don't want to spend my life thinking about it." This was eye-opening. I love this stuff. But most people have better things to do with their precious time. Bridges to build, diseases to cure, treaties to negotiate, mountains to climb, technologies to create, children to teach, businesses to run. Unfortunately, benign neglect of things financial leaves you open to the charlatans of the financial world. The people who make investing endlessly complex, because if it can be made complex it becomes more profitable for them, more expensive for us, and we are forced into their waiting arms. Here's an important truth: Complex investments exist only to profit those who create and sell them. Not only are they more costly to the investor, they are less effective. The simple approach I created for her and present now to you, is not only easy to understand and implement, it is more powerful than any other. Together we'll explore: Debt: Why you must avoid it and what to do if you have it. The importance of having F-you Money. How to think about money, and the unique way understanding this is key to building your wealth. Where traditional investing advice goes wrong and what actually works. What the stock market really is and how it really works. Why the stock market always goes up and why most people still lose money investing in it. How to invest in a raging bull, or bear, market. Specific investments to implement these strategies. The Wealth Building and Wealth Preservation phases of your investing life and why they are not always tied to your age. How your asset allocation is tied to those phases and how to choose it. How to simplify the sometimes confusing world of 401(k), 403(b), TSP, IRA and Roth accounts. TRFs (Target Retirement Funds), HSAs (Health Savings Accounts) and RMDs (Required Minimum Distributions). What investment firm to use and why the one I recommend is so far superior to the competition. Why you should be very cautious when engaging an investment advisor and whether you need to at all. Why and how you can be conned, and how to avoid becoming prey. Why I don't recommend dollar cost averaging. What financial independence looks like and how to have your money support you. What the 4% rule is and how to use it to safely spend your wealth. The truth behind Social Security. A Case Study on how this all can be implemented in real life. Enjoy the read, and the journey!

All Your Worth

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Author :
Publisher :
ISBN 13 :
Total Pages : 312 pages
Book Rating : 4.F/5 ( download)

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Book Synopsis All Your Worth by : Elizabeth Warren

Download or read book All Your Worth written by Elizabeth Warren and published by . This book was released on 2005 with total page 312 pages. Available in PDF, EPUB and Kindle. Book excerpt: The bestselling mother/daughter coauthors of "The Two-Income Trap" now pen an essential guide to the five simple keys to lasting financial peace.

Rich Food Poor Food

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Author :
Publisher : Primal Blueprint Publishing
ISBN 13 : 9780984755172
Total Pages : 0 pages
Book Rating : 4.7/5 (551 download)

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Book Synopsis Rich Food Poor Food by : Jayson Calton

Download or read book Rich Food Poor Food written by Jayson Calton and published by Primal Blueprint Publishing. This book was released on 2013 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: A unique guide that steers the consumer through the grocery store aisles, directing them to health enhancing food options while avoiding health detracting ones.

The Book of Living Secrets

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Author :
Publisher : HarperCollins
ISBN 13 : 0062941437
Total Pages : 400 pages
Book Rating : 4.0/5 (629 download)

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Book Synopsis The Book of Living Secrets by : Madeleine Roux

Download or read book The Book of Living Secrets written by Madeleine Roux and published by HarperCollins. This book was released on 2022-03-08 with total page 400 pages. Available in PDF, EPUB and Kindle. Book excerpt: Perfect for fans of The Hazel Wood, this genre-bending page-turner from New York Times bestselling author Madeleine Roux follows two girls who transport themselves into the world of their favorite book only to encounter the sinister alternate reality that awaits them. No matter how different best friends Adelle and Connie are, one thing they’ve always had in common is their love of a little-known gothic romance novel called Moira. So when the girls are tempted by a mysterious man to enter the world of the book, they hardly suspect it will work. But suddenly they are in the world of Moira, living among characters they’ve obsessed about for years. Except…all is not how they remembered it. The world has been turned upside down: The lavish balls and star-crossed love affairs are now interlaced with unspeakable horrors. The girls realize that something dark is lurking behind their foray into fiction—and they will have to rewrite their own arcs if they hope to escape this nightmare with their lives.