You're being overcharged on your electric bill. Your health insurance denies a claim you know it should pay. The airline refuses to reimburse you for your lost luggage. Your contractor disappeared with the down payment. You just got a parking ticket for someone else's car.

If these problems sound familiar, this is the book for you. As creator of the popular "What's Your Problem?" column in the Chicago Tribune, Jon Yates has helped thousands of people take charge of their problems and get satisfaction from airlines, utilities, government agencies, health insurance companies, and more. His readers have already gotten back more than $1 million of their hard-earned money from greedy businesses and agencies--and now you can too Packed with tips, strategies, and dozens of real life examples and success stories, What's Your Problem? is a must-have book for every household in America.

"To some, piercing is just another accessory; to others, it's the beginning of a new life."--Dennis Sullivan, Certified Body Piercer, Spokane, Washington

Body piercing has become more commonplace in today's society. It can be artistic and expressive and a reflection of your personality. But there is more to piercing than shoving a needle through the skin. In The Art of Body Piercing, author Genia Gaffaney provides a thorough guide to getting a body piercing and follows the procedure step-by-step to ensure a successful experience.

In this guide, Gaffaney, a certified body piercer since 2000 and business owner since 1993, answers a host of questions related to the body-piercing process--before, during, and after:

How do you select a body-piercing shop?What is the appropriate age at which to get a piercing?What type of jewelry should you choose?How should you clean body jewelry?How should you change body jewelry?What should you know about genital piercing?How can you avoid infection?Should you get more than one piercing in the same area?

With charts and photos, The Art of Body Piercing details a host of practical information to let you express yourself through piercings and body jewelry.

Have you got something to complain about? Have you been short changed? Have you complained and got nothing but hollow apologies? Are you due compensation? Then this book could help. Instead of writing letters using red biro and block capitals, underlining every other word, swearing at inappropriate places and writing key words twice as big, follow the 'I want to complain' philosophy and make your letters entertaining; make the person dealing with your complaint want to help you instead of shoving your letter under the pile of others they have to deal with that day and getting to it 'later'. With eight years experience in a customer management role for a multi-national retailer, Peter realised that it was the light-hearted, entertaining letters that received the most satisfactory resolutions. 'I want to complain' explains exactly what life is like on the other end of the call-centre telephone and just how to ensure your complaints are dealt with as a priority. The second section of the book contains a collection of genuine complaint letters Peter has written over the years using the philosophy laid out in the first section, along with their replies so you can see for yourself just how it works. Those companies written to include Marks and Spencer, Tesco, Asda and even Newcastle city council to get a parking ticket revoked - all with positive resolutions. 'I want to complain' hopes to put the 'fun' into refund and the 'jest' into goodwill gesture as it takes you on an entertaining and humorous journey into the world of customer services.

This book is a guide to finding your niche in creating books for children. It will take you from start to finish with examples of how to start a story board to how to coordinate with editors and illustrators for your final product, a children's book for all to enjoy

"In your dreams, you are in a hospital. A Chinese Nurse is standing next to you with a healthy plate of Steak and some boiled Eggs. While you are smiling at her, suddenly she takes out a Gun and tries to shoot you; she Accidentally shoots a passerby next to your ward." You wake up very sweaty and you start to realize that this was actually a nightmare. You get out of bed and prepare to go to work. On your way, you stop to place the numbers for a $245 Million Power-Ball. You consider your dreams and you place the following numbers: 34,12,36,3,14,10 The next morning you check your ticket, you jump up with joy because you have won the US biggest Power-Ball. But you are not surprised because you learnt that a Chinese is number (12), a Nurse is number (14), Steak or Meat is number (34), Eggs is number (10), Accident is number (3) and a Gun is number (36). Learn to unlock the power of your dreams by converting images into lucky numbers and try them on lotto or power-ball games. You will be amazed how your dreams can make you rich. The research shows that the Fa-Fi game comprises of 36 numbers which translate to the 360 degrees of the UNIVERSE composition. The Earth revolves around the Sun and forms a perfect circle. The game of Fa-Fi follows the same pattern and that is also complimented by the DREAMS that the universe is communicating with. The great people of South Africa have had the ability to convert these symbols and images into meaningful numbers. The game of Fa-Fi follows rules that are definite to THE LAW of 36. When most people say they have dreamt of numbers, in dreams mostly, numbers are limited to, at maximum, 3. It is the images the numbers are attached to, that they can be able to wake and remember their numbers. A person can dream of a traffic sign that shows a speed limit of 36, which when a person immediately wake up and notice the odd speed limit (possible most end up with a 5 or a 0. like 60 or 75). This will have a person to recognize the odd numbers and write them down and start placing their bets on them. The book explains imagery and symbols that we dream about every day, and some of them are so much recurring, we seem not to understand why. The universe is telling you something and because you are not taking your dreams seriously, the dreams reappear and until the message is understood or the happenings have taken place, the dream fades away. Then we also show you how to use what we call THE WHEEL OF FORTUNE. This is a simple chart to show you how to understand and use your dreams to map your numbers, no matter what system the Lotto you are betting your numbers on. It shows how the LAW of 36 works around the wheel. The book shows also how to do your own BINARY CODING using a simple excel spreadsheet. The formation will show you how the computer using the 1's and 0's to do the selection of numbers. Finally we give a guide of showing numbers that are restricted to 35 or 36, following the Law of 36. This method shows you how to use your chart and remove all the HOT or COLD numbers, having your dreams as a perfect guide. By the end of the week, you will be able to use these guidelines well and by the second week, it will be your second nature. With this book, you will never take your dreams for granted...EVER Enjoy it

-- Do you use a mobile phone?
-- Do you use credit cards or debit cards?
If so, you need to know that a revolution has started that will impact you sooner than you think, and this book will tell you - the consumer - what you need to know now.
The reality is that a torrent of advertising and promotional marketing is heading your way to try to convince you to use new services on your SmartPhone at retail stores. Perhaps you have already seen some, or signed up for some.
These new services may seem novel, but this revolution is far more significant than that. At stake is the future of the credit card system that moves over $11 Trillion per year from consumers to retailers. Some of the largest companies in the world think this system should change, starting now. Other, equally large companies think everything should stay the same.
These two sides are already lining up on a battlefield, with you standing in the middle. And, if you are not careful, the first casualty will be your privacy.
Find out what is happening, how it may effect you, and what you can do about it. Read The SmartPhone Wallet - Understanding the Disruption Ahead.
PRAISE FOR THE SMARTPHONE WALLET:
"David Schropfer's consumer-focused look at the emergence of mobile payments is unique and refreshing. At Morris Advisors, we believe the keys to the mobile commerce kingdom are not in the hands of banks or wireless carriers. Consumers and merchants are ultimately the most critical stakeholders. Mr. Schropfer clearly articulates for us the consumer value proposition for mobile payments. I particularly enjoyed his thought provoking description of how wireless carriers could potentially deliver enhanced value for consumers while bypassing some of the incumbent payments industry players. A great read."
Andrew B. Morris
CEO & Founder, Morris Advisors, Inc.
Chair, Alternative Payments Committee, National Retail Federation's Mobile Retailing Initiative
"The SmartPhone Wallet was a great read. The writing style made it an easy read. The content and perspective gave some very valuable insight into future trends of mobile payments. I can't wait for the next book in this series."
-Meg Collin
Global Telecom Procurement and Sourcing Expert
"You're bombarded with information about mobile financial services that either expect you to know it all or treat you like a child. In other words, if you are like most of us then The SmartPhone Wallet is a book for you. The book will take you through the basics of payments, mobile networks, the intersection where they meet, and what this convergence can mean to you. A light yet substantive read, in the Scientific American style, will educate you enough so that you can draw your own conclusions and make your own decisions about the soon-to-be-offered products and services. Learn the history, the present, the trends; what is important and what is not. Know the risks, the costs, the business side and the technical side - enough to benefit you and help others to make the right decisions."
-Mirek Kula
Co-Founder and CEO, REC-ORDER, LLC
"Just as credit and debit cards have largely displaced cash and checks, mobile wallets will surely displace physical payment tenders. The adoption of mobile wallets will be driven by consumer convenience and value. In "The Smartphone Wallet" David Schropfer outlines the background and evolving shifts in technology, financial services, and consumer preferences that converge to provide the mobile wallet, the next generation of electronic payments. This is a good read for anyone in the payments ecosystem."
-Anand Goel
Optimized Payments Consulting

American Highway Roulette: Driving Risks and Consequences of Automobile Accidents, by auto insurance claim professional Denton Gay, is a book that every parent and teenage driver should read. In addition to discussing the physical, emotional, and economic ramifications of automobile accidents and how to minimize the risk of collision, the author gives a simple explanation of the insurance and legal systems we must face when dealing with coverage and claims, as well as the important procedures to follow if involved in an accident. Readers will be fascinated-and often shocked-by the information about auto accidents. Using roulette as a dramatic comparison, we soon understand what the odds are...and how to beat them. The author delivers compelling information about everything from claim values to death benefits, juries to awards, legal rights to repair costs. Readers will find this book highly informative and sobering. Whether they are parents or teenage drivers, educators or consumer groups, this is a book that will improve the odds for everyone.

The extent to which the federal and state governments regulate the death care industry -- funeral homes, cemeteries, crematories, pre-need funeral plans, and third party sales of funeral goods -- varies. The Federal Trade Commission (FTC) continues to annually conduct undercover shopping at various funeral homes to test compliance with the Funeral Rule. This book discusses the need for further federal involvement in the death care industry and also provides a consumer guide to funerals.

Welcome to The Drinker's Bible: Shots Shots Shots . This book has over 200 of the most essential shooters for making the night the most fun it can be. A shooter is simply a shot of two or more mixed spirits and usually a non-alcoholic ingredient. Everyone enjoys a good shooter, and now, with this book, you will be a pro and know them all. Be the delight of the party with all the best recipes out there. The shooter today has become commonplace in the bar and club scene, but nobody really knows how to make them and has to pay insane prices to get them. With this book and just a few supplies anyone can make the same professional drinks at home for a mere fraction of the price After only maybe five shots made on your own, instead of paid for at the bar, this book will have paid for itself. The amount saved, and fun had are limitless with The Drinker's Bible So enjoy the book and, as always, party safely and have a sober driver.

MANY are the letters received in regard to the cereal breakfast foods, especially for children's use. One mother writes me: "Two small youngsters are anxiously awaiting your opinion in regard to their favorite shredded wheat, grape nuts, and post toasties." With few exceptions, a general statement will serve to give the facts in regard to all of the leading brands of cereal products and breakfast food's sold in packages. They are nutritious, cleanly products, containing the greater part of the nutriment of the grain and in some cases all of it. They are put up in a sanitary package and are convenient, and afford variety.

Chevrolet Corvette Buyers/Owners Guide for 1997-2004 Model Years (C5).

A great book for any movie lover, A Book Full of Movies recommends films worth watching in ten categories. Read about popular movies in one of the ten genres, and then get suggestions for lesser-known films you might like. A handy rating system tells how the recommended films stack up against their popular counterparts. Every film title contains a short synopsis and review (without giving away any surprises) plus a perfect pairing for a double feature. Each chapter also contains an article about a topic related to the genre covered in that chapter. There's even a chapter of recommended resources for finding out more about films that may be of interest to you, and the comprehensive index lets you easily find movies, actors, directors, and more. Watch for volume 2, with ten more film categories, coming soon

Does the family vacation involve at least one week a year at a fabulous resort? More than a few weeks? Perhaps your family enjoys staying in luxury residences in exotic locales. For those families who want to commit to "owning" their vacations, and that is what shared ownership/use is about, there are many choices to consider. Timeshares, private residence clubs, fractionals, and destination clubs are all options-but which one is right for you? For consumers, Vacation Nation: The Complete Guide to Timeshare, Private Residence Clubs, Fractionals and Destination Clubs is a practical, easy-to-read guide to help you make an informed decision-one that can help you choose the perfect vacation ownership option for your family. For industry insiders, whether you are a timeshare sales person or a developer of a private residence club, Vacation Nation, is the perfect primer, providing a constructive new model that can be applied to any offering in the shared ownership/use industry.

Freedom through Credit shows you how to maximize your personal and business credit profiles. If you want to know how to improve the life you life by safely leveraging both your personal and business credit then this is the manual you have been in search of.

The Frugal Factor - Better Living Through Rebates Discounts and Deals. It's not how much money you make; it's how much you keep! Written by a teacher, reading The Frugal Factor teaches how to have fun and involve your whole family, while saving money and getting the best deal. This is not just a storybook, The Frugal Factor provides all the information and resources you need to start keeping more of your money and improving your lifestyle. The Frugal Factors is packed with detailed information on how to save money while still buying the things you need and want. Through these pages are real life success stores. The author and his family completed all of these deals. These include FREE cell phones, FREE DVR's, making money buying FREE after rebate items and many more. In these pages you will learn how to read UPC codes, techniques for the best online deals, how to replace your cell phone at little or no cost, how to double dip on rebates, maximize online and grocery store coupons, and the secrets to winning Ebay auctions. The chapter on credit cards will show you how to make hundreds using credit card promotions, and by planning you next vacation the Frugal Factor way you will be able to spend less and do more. This book is for people who want to save money and improve their lifestyle. After reading The Frugal Factor you will be ready to "Do the Deal."

Read Cynthia Koelker's blogs and other content on the Penguin Community.
"Dr. Cynthia Koelker gives us the inside scoop on how to save money at the doctor's office and still get great care. Even if you have insurance, "101 Ways to Save Money on Health Care" will still help you save your hard-earned cash."
-Elizabeth Cohen, MPH, CNN senior medical correspondent, author of "The Empowered Patient"
For over twenty years, Ohio-based family physician Dr. Cynthia J. Koelker has made it her mission to help people lower their health care expenses. Now, in "101 Ways to Save Money on Health Care," Dr. Koelker shares her insider tips and information so that you too can save hundreds (even thousands ) without sacrificing your health.
"101 Ways" is loaded with simple, easy-to-understand tips on topics that everyone will find useful, including:
* How to save money on brand name drugs
* How to cut costs for chronic problems-from asthma to allergies
* How to ask for a hospital discount (it's easier than you think )
* Ways to save money on glasses and contacts
* What websites you can trust to give you the best health information
Whether you are uninsured, or just looking to save money, this invaluable guide will show you how to stay healthy and hold onto your hard-earned dollars.