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-- Straightforward advice and information, based on years of practical experience -- What avid gardeners do in private but rarely admit in public -- Answers any questions the first-time gardener might have -- More knowledgable gardeners will discover new techniques -- Nothing is too simple to be mentioned, and nothing is so complicated it can't be explained simply With everyone striving to improve their quality of life, gardening has become a leisure pursuit. In a largely urban environment, the passing on of gardening skills from generation to generation is a haphazard affair at best, and more and more of us come to gardening as complete innocents. With a change of location or a change in lifestyle we might encounter fresh challenges or have to overcome new limitations. In short, we all need advice from time to time. Who better to give this advice than Valerie Scriven and Rob Cassy, of Garden Books, UK, one of the world's leading gardening bookstores? After years of helping and advising their customers, they have put their ideas into this informal reference book which will appeal to gardeners of all ages and abilities.

Straight-up, jargon-free advice on personal finance for those made nauseous by the phrase "personal finance." What the hell's a stock? A bond? A mutual fund? And why do I need to know? Is it better to start investing, or pay off that lingering credit card balance? Should I borrow money to buy a bungalow? A Jaguar? A jalopy? How? What's so great about compound interest anyway? Is the price of this book tax-deductible? "The Green Magazine Guide to Personal Finance answers these questions and provides savvy, sensible money advice for anyone who doesn't want to wade through lots of b.s. Ken Kurson, editor of the critically acclaimed "Green magazine, demystifies all types of personal financial matters--investing, retirement planning, credit card debt, student loans, first-time home buying, insurance, taxes--as well as providing valuable information on learning to live within your means, dealing with deadbeat roommates or spendthrift boyfriends, and putting on a cheap wedding. Ken Kurson's engaging yet always pragmatic money-speak is enlivened with real-life examples, pie charts, comics, and dead-on humor. His advice doesn't always sound like Dad's, but it's every bit as solid. The "Green Magazine Guide is the only book that speaks to all those who are cynical, intimidated, or simply flummoxed about money matters.

Home equity loan - A home equity loan is a type of loan in which the borrower uses the equity in his home as collateral. These loans are sometimes useful for families to help finance major home repairs, medical bills or college educations.

Federal Home Loan Banks - The Federal Home Loan Banks are an essential source of stable, low-cost funds to American financial institutions for home mortgage, small business, rural and agricultural loans. With their members, the FHLBanks represent the largest source of home mortgage and community credit.

Federal Home Loan Mortgage Corporation - The Federal Home Loan Mortgage Corporation ("Freddie Mac") is a stockholder-owned, publicly-traded company chartered by the United States federal government in 1970 to purchase mortgages and related securities, and then issue securities and bonds in financial markets backed by those mortgages in secondary markets. Freddie Mac, like its competitor Fannie Mae is regulated by the Office of Federal Housing Enterprise Oversight (OFHEO) in the United States Department of Housing and Urban Development.

Home Owners Loan Corporation - The Home Owners Loan Corporation was a New Deal agency established in 1933 to refinance homes to prevent foreclosure. It was usually used to extend loans from shorter, expensive payments of the 15 years to the lower payments of the 30 year loans.

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