New Releases by Patricia Beatty

THE ANNOTATED NATIONAL CREDIT CODE has an established reputation as an invaluable guide to the Code and Regulations. It is an essential reference for financial institutions, retailers, financiers and consumer advocates as well as practitioners to ensure their compliance with Code obligations. The move towards federal regulation of the industry has resulted in a single, standard, national regulation of consumer credit. This has a significant impact on any person involved in the origination, management or enforcement of consumer credit. The code also applies to those who provide credit to purchase, renovate or improve residential property for investment purposes. Among other things, the new regulatory framework will create a new licensing system, impose responsible lending requirements and extend regulation to apply to the finance broking industry. Professionals in the field must acquaint themselves with the new framework. This is the only book to focus solely on the Code. It is a practice oriented guide that provides detailed and comprehensive annotations and explanations. Practitioners will find this book invaluable in dealing with the new federal scheme and understanding the new responsibilities placed upon credit providers and the penalties for breach.

To help her poverty-striken family, thirteen year old Lupita enters California as an illegal alien and starts to work while constantly on the watch for "la migra."

Crossing over the border is a dangerous business... ...But Lupita must cross from Mexico to America. After her father dies in a fishing boat accident in the seas near their small Mexican village, Lupita's family is left in poverty. Lupita and her big brother, Salvador, must smuggle themselves into the United States to earn money to support their mother and young siblings. America is not the land of opportunity they had hoped. A new language, hard labor, and the constant threat of la migra -- the immigration police--make every day a difficult challenge. But for feisty Lupita, there is always hope for a better manana -- tomorrow.

Revised and updated second edition. Annotated version of the Consumer Credit Code and Consumer Credit Regulation 1995 with explanatory commentary. Revisions are in response to recent cases and legislative changes. Includes new commentary on recent Code cases, lessons learnt from Code litigation, and the October 2000 Code amendments. Includes index and tables. Authors are banking and finance partners with Mallesons Stephen Jacques.

During the closing days of the Civil War, plucky 12-year-old Hannalee Reed, sent north to work in a Yankee mill, struggles to return to the family she left behind in war-torn Georgia. "A fast-moving novel based upon an actual historical incident with a spunky heroine and fine historical detail."--School Library Journal. Author's note. "There are few authors who can consistently manage both to entertain and inform." --Booklist

To help her poverty-stricken family, 13-year-old Lupita enters California as an illegal alien and starts to work while constantly on the watch for "la migra."

During the Civil War, a twelve-year-old Bowery Boy from New York City joins the Union Army as a drummer, deserts during a battle in Virginia, and encounters a hostile old mountain woman.

In 1861 twelve-year-old Truth, a Quaker girl from Indiana, is staying with relatives who run a North Carolina station of the Underground Railroad, when her world is changed by the beginning of the Civil War.

A thirteen-year-old powdermonkey in the Confederate navy joins the crew of the ironclad Merrimack in a mission to break the Union blockade of Norfolk harbor.

A preacher's daughter with lots of curiosity and a penchant for getting into trouble has an eventful year and a half, as all the predictions of a fortune-teller at a Texas county fair in 1898 come true.

A stagecoach that vanished without a trace...$40,000 in stolen payroll money...a jewel-studded belt buckle -- they are all pieces of a 110-year-old mystery, that Paul Braun is determined to solve. While the thirteen year-old Easterner is visiting his grandmother in Colorado, she gives him a heart-decorated belt buckle that had belonged to a distant, vaguely remembered relative. Intrigued by the odd-looking heirloom, Paul and his new friend, an American Indian bo), named Jay Jenkins, hunt through dusty attic trunks and yellowing newspaper clippings trying to discover more about its enigmatic owner. Suddenly, their search uncovers an ever) more perplexing puzzle -- the still-unsolved disappearance of a stagecoach, its passengers, and the fortime in gold it was carrying. Men his ruby-studded buckle is stolen, Paul realizes that it could possibly be the key to the whereabouts of the long-vanished coach -- and that, even today, someone is intent on preventing anyone from unlocking its terrible secret, Drawing from a true incident in the American West's rich past, master storyteller Patricia Beatty combines fast-paced plotting and a fascinating set of characters to weave this exciting tale of adventure and suspense.

In the years 1893, sensible thirteen-year-old Melinda, finding herself stranded in the Colorado town of Goldendale, promptly becomes involved in the townspeople's lives and assorted problems.

A 13-year-old living in a turn-of-the-century California mining town determines to marry off her adoptive brothers and discover the identity of her real parents.

The Staffordshire terrier 13-year-old Cissie raises from an orphaned pup is stolen by her uncle and entered in illegal dogfights.

A thirteen-year-old Mormon boy from California makes his way east, searching for his horse which was stolen for use by the Confederates in the Civil War.

Two youngsters meet their Uncle Rudd who tells them tall tales about his life with the cowboys, Indians, and Confederates.

The women of a Montana mining town disrupt life when they try to raise money for a new school.

While stranded in the Arizona territory in the 1880's a thirteen-year-old girl finds herself the owner of a traveling hotel.

Recounts the experiences of an Irish setter as he passes from owner to owner on the campus of a California university.

Living in the South Carolina hills in 1780, a young Scottish boy, whose own family is divided between Loyalist and rebel, must decide for himself which side he will follow.

In the 1840's in California a young Comanche refuses to accept the ways of his Mexican captors but wins their acceptance and admiration when he helps to cast the church bell and uses it to warn the villagers of approaching danger.

When a new girl arrives at Fort Yuma, Arizona, in 1881, thirteen-year-old Dorcas finds herself involved in the escape of an outlaw from the prison across the river.

Appalled by conditions in the uncivilized nineteenth-century silvermining town to which her husband has brought his family, Mrs. Perkins sends him to live in the town's bachelor quarters, until, a year later, their daughter's determination to go to high school makes reconciliation possible.

In 1879 a thirteen-year-old boy, his friend, and his dog journey four hundred miles across Texas to bring back the body of an older brother for burial in the family graveyard.

During the English Civil War, Prince Rupert led the King's cavalry, accompanied by his great white poodle, known to the Roundheads as the witch dog and Rupert's luck.

Appalled by conditions in the uncivilized nineteenth-century silvermining town to which her husband has brought his family, Mrs. Perkins sends him to live in the town's bachelor quarters, until, a year later, their daughter's determination to go to high school makes reconciliation possible.

Three motherless children who decide to find a new wife for their father, a banker in the boomtown mining center of Idaho, select a promising candidate whose son is an outlaw.