Award Program for a biannual scholarship where one winner will have a chance to receive an onetime cash advance. This finding contrasts sharply with priors we elicited from 103 payday lending and behavioral economics experts. A cash advance from inchain is a University resource available to graduate students McKinzie is a doctoral student attending the University of Missouri - Columbia. developed an innovative new payday loan banking model described at calloans.

The Refractive Thinker®: Vol XIII: Entrepreneurship

Our latest volume in the series publishes today!

Radio Interview: 12/19/2017: Daybreak with Angie

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FOREWORD by: International Entrepreneur and Fashion Model Clarissa Burt

Problem: The lack of affordable and easy to understand publishing avenues for academicians to meet university peer-reviewed publishing standards and retain ownership of copyright.

VISION: To offer doctoral scholars an award winning publishing solution to position themselves as an expert in their field.

Goal: To publish an anthology of the works of multiple academic doctoral authors in one themed volume.

Mission: To get research off the coffee table, out of the Ivory Tower, and into the hands of business owners and entrepreneurs.

LinkedIN article:  Small Business Owner or Entrepreneur?

Contributing Scholars

  • Dr. Huong Ly, Dr. Denise Land, Dr. Gayle Grant, Dr. D’Marie Hansen, & Dr. Judy Fisher Blando
  • Dr. Ivan Salaberrios
  • Dr. Matt Motil
  • Dr. Jennifer Smith
  • Dr. Susie Schild
  • Dr. Natalie Casale
  • Dr. Les Paull
  • Dr. Rose Whitcomb
  • Dr. Karen J. Tillman, PMP
  • Dr. Neil Mathur & Dr. Cheryl Lentz

Q: Myth #1: Why do I have to pay to publish?

A: Publishing costs money. The reason one doesn’t have to pay to publish in a peer-reviewed journal is that the journal often uses the proceeds from the sale of the journal to fund the journal. The journal makes money from your writing; you don’t.

Q: Myth #2: Paying for publishing detracts from my credibility, doesn’t it?

A: No. Publishing is a business like any other, where the goal is to make money. The question is who is making the money? You get what you pay for. Peer-reviewed journal model: The publisher pays for the costs, you don’t. The publisher owns your material, you don’t. The publisher makes royalties, you don’t. The publisher has control, you don’t.

Who pays for the publishing has nothing to do with the quality of the work published. So long as the process includes a peer-reviewed process (open, single, or double blind), there is a quality mechanism in place. If your article is based on IRB approved research through an accredited university (doctoral work or post doc work), the quality of the outcomes has already been vetted.

Q: Myth #3: When I publish in a journal or in a book, don’t I automatically own my intellectual property?

  • A: No. Check the fine print of your contract. Most of the time in a traditional peer-reviewed journal, the journal owns the copyright to your writing, not you. Be sure to file for your own copyright with the U.S. Copyright Office.Follow the money. Those who own their copyright, get to keep their money.

Contributing Scholars

(1) Single Author

(2) Multiple Authors (up to 5 per chapter). For early bird sign up discounts, shipping of books will be sent to ONE location only. For multiple locations, additional shipping charges will apply.

(3) Working title with sign up. Email: or complete form below.

Commitment Form: Fall 2017

Anticipated publishing date:

Materials Deadline for Peer Review: On or before

Peer Reviewed final draft due on or before:

Manuscript: A synopsis of your dissertation or scholarly peer reviewed research to include the following sections:

Introduction / Overview of the study / Background/theory / Focus on Data analysis Methodology / Findings / Conclusion / References / About Author Page with picture
*Be sure to demonstrate how your writing meets the theme

  • Content: 3000 (minimum) – 4400 (maximum) words of text with moderate use of subheadings
  • References: 1-2 pages: single spaced entries / 2 (maximum) Tables, Figures, or graph(s).
  • 6th version APA modified format: 12 pt Times New Roman.
  • Biography: No more than 155 words(Must fit on one book page). (Template provided).
  • Picture: Professional head shot with permission to reprint/copyright free
    • Size: .jpg and at least 300 dpi pixel size

Participation includes:

  • 3 versions: Paperback, Digital eBook, and eChapter
  • Cover design (front and back cover), Production & Web Design, IBSN numbers, Library of Congress Registration, Bowker Registration, Bar Code, Index, Author’s individual e-chapter (pdf) as well as all legal & Royalty contracts.
  • Peer Review Board editing by a subject matter expert for content and for APA format style that includes no more than 3 hours worth of basic editing (*Additional editing:$75.00 per hour)
  • Author listing on the Companion Website
  • 25 paperback copies [*U.S. shipping costs are included for the first 25 books via UPS within the U.S.]
  • Guest on The Refractive Thinker® BlogTalk Radio Show (Tuesday Mornings at 9 am MST)
  • Social Media Promotion (Facebook, Twitter, Google Plus, & Linked in) Materials provided

Your Name (required)

Your Email (required)

Phone (required)

YES! I want to be a Contributing Doctoral Scholar for RT Vol XV: Non Profits

Chapter Working Title

City, State

Single AuthorMultiple Co-authors

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