Wednesday, July 11, 2012

Personal Finance News Wednesday 7/11

Phil's Personal Finance Tip of the Day:

Get E-Books At the Library
By EMILY GLAZER-Tip of the Week from The Wall Street Journal

If you're looking to do some summer reading on an e-reader, check out your local library.

Most libraries now offer a wide selection of e-books that can be downloaded to devices like Amazon.com's Kindle, Barnes & Noble's Nook and Apple's iPad.

You don't need to go to the actual library to download books; you can do so from most libraries' websites. You will need to have a library card with a PIN.

Checkout periods for e-books range from a few days to two weeks, depending on the title and library.

And you don't have to worry about overdue fees in case you forget to make it to the library. When the book is due, you simply lose access to it.

Don't count on an endless electronic supply of new releases or bestsellers, however. Each e-book is one copy of a book, says Yolanda McKnight, Austin Public Library's cataloging and collection development manager. So if a library has a limited number of electronic versions of a hot title you may have a wait—though you can reserve a copy.

The Austin Public Library's 20 branches began offering e-books last November and now have nearly 8,000 titles, Ms. McKnight says.

To access e-books from Austin's libraries, download free software from its website and then search for e-books on the website's catalog. To reserve or check out an e-book, you provide your PIN. You can choose to check out an e-book for one or two weeks. Once checked out, the e-book is available on your device within a few seconds.

Scripture of the Day from Dave Ramsey.com:
Psalm 118:8 — It is better to take refuge in the Lord than to trust in humans.

Please listen to the Dave Ramsey show live on WOR 710 from 2-4 PM EST. You can also listen to the 3rd hour 4-5 PM EST. at Dave Ramsey.com.

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