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 XVIII: Project Management: Strategies to Enhance Workflow and Productivity

Spring, 2020 Author’s Call: Join the 21x award winning series for Doctoral Scholars. Published: April 2, 2020.

FOREWORD by: NASA Astronaut Andrew M. Allen, USMC, Ret., Director of Kennedy Space Center

LinkedIN Article Click here: Be Your Own Project Manager

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

  • Dr. Avideh Sadaghiani-Tabrizi & Dr. Aaron N Armour
  • Dr. Alan Bundschuh, & Dr. Abigail Adewoye
  • Dr. Frank Musmar
  • Dr. Cynthia J. Young
  • Dr. Alla Adams
  • Dr. Ivan Salaberrios
  • Dr. Natalie Casale
  • Dr. James Wright, Dr. Wendy Herrburger, Dr. Karen Balcanoff, & Dr. Judie Brill
  • Dr. Amy Yoder, Dr. Yvonne Gonzalez, Dr. Teresa Sanders, & Dr. Cheryl Lentz

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