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®: Volume XI: Women In Leadership

Refractive Thinker Women XI cover 5-4aFOREWORD by: Sally Helgesen

Sally Helgesen is author of six books, including The Female Advantage, hailed as “the classic work” on women’s leadership styles, and The Female Vision. As a speaker and consultant, she works with corporations, partnerships, universities and nonprofits around the world to help women strengthen their contributions and realize their best talents.

Sally Helgesen



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.

Purpose: To create a publishing solution for doctoral scholars to publish their dissertation study results and scholarly research.

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.

Linked in Article: Women in Leadership

Contributing Scholars:

  • Dr. Gwendolyn Dooley
  • Dr. Michelle Boese
  • Dr. Cynthia Young
  • Dr. Laurie Maslak, Calgary Canada
  • Dr. Janie Hall
  • Dr. Denise Mayo Moore
  • Dr. Kathi H. Gibson
  • Dr. Jennifer Guerguis & Dr. Kirlos Guerguis
  • Dr. Trish Champion & Dr. Linda Gutsch
  • Dr. Aaron Glassman & 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.