When Not to Borrow : Unconventional Financial Wisdom to Set Your Church Free

All items subject to prior sale in our store. Listings are updated daily to
reflect actual availability. Any signatures, inscriptions, underlining,
highlighting, stamps, labels or "remainder" markings are noted in the
description. We try to provide as accurate and precise a description as possible
for all our books, and verify the description before filling any order. If we
should discover any previously unmentioned flaw(s) you will be notified and
given the opportunity to cancel your order. All books have price, acquisition
code and inventory number written in pencil on the head corner of the first page
(or first white page). You can send an e-mail request to reserve the book(s), or
do so by telephone between 10 a.m. and 9 p.m., Central Time, Monday through
Saturday. Book(s) will be held for 10 days pending receipt of payment. VISA,
MasterCard, check or money order accepted. Persons paying by credit card need to
provide type of card, number, expiration date, and CVV2 code. Persons paying by
check or money order should mail payment to the address above. Orders not placed
through AbeBooks will incur an additional processing fee (currently $3.00,
subject to change). All books shipped media mail unless otherwise requested.
Oklahoma residents please add 8.25% sales tax (book only, s/h is not taxable).
Book(s) may be returned for full refund, less shipping, within 14 days, if not
satisfied. (Please contact us for a return authorization number.) All sales
final after 30 days.
Skelly Fine Books, Inc.
225 Atterberry Dr
Norman OK 73071
contact: Chris McGregor
skellyfinebooks@att.net
(405)366-3100 (leave message)

If you are a consumer you can withdraw from the contract in accordance with the following. Consumer means any natural person who is acting for purposes which are outside his trade, business, craft or profession.

Information regarding the right of withdrawal

Statutory right to withdraw

You have the right to withdraw from this contract within 14 days without giving any reason.

The withdrawal period will expire after 14 days from the day on which you acquire, or a third party other than the carrier and indicated by you acquires, physical possession of the last good or the last lot or piece.

To exercise the right of withdrawal, electronically fill in and submit a clear statement on our website, under "My Purchases" in "My Account". We will communicate to you an acknowledgement of receipt of such a withdrawal on a durable medium (e.g. by e-mail) without delay.

To meet the withdrawal deadline, it is sufficient for you to send your communication concerning your exercise of the right of withdrawal before the withdrawal period has expired.

Effects of withdrawal

If you withdraw from this contract, we will reimburse to you all payments received from you, including the costs of delivery (except for the supplementary costs arising if you chose a type of delivery other than the least expensive type of standard delivery offered by us).

We may make a deduction from the reimbursement for loss in value of any goods supplied, if the loss is the result of unnecessary handling by you.

We will make the reimbursement without undue delay, and not later than 14 days after the day on which we are informed about your decision to withdraw from this contract.

We will make the reimbursement using the same means of payment as you used for the initial transaction, unless you have expressly agreed otherwise; in any event, you will not incur any fees as a result of such reimbursement.

We may withhold reimbursement until we have received the goods back, or you have supplied evidence of having sent back the goods, whichever is the earliest.

You shall send back the goods or hand them over to Skelly Fine Books, Norman, Oklahoma, U.S.A., without undue delay and in any event not later than 14 days from the day on which you communicate your withdrawal from this contract to us. The deadline is met if you send back the goods before the period of 14 days has expired. You will have to bear the direct cost of returning the goods. You are only liable for any diminished value of the goods resulting from the handling other than what is necessary to establish the nature, characteristics and functioning of the goods.

Exceptions to the right of withdrawal

The right of withdrawal does not apply to:

1. The delivery of newspapers, journals or magazines with the exception of subscription contracts; and
2. The supply of digital content which is not supplied on a tangible medium (e.g. on a CD or DVD) if you accepted when you placed your order that we could start to deliver it, and that you could not withdraw once delivery had started.

The shipping cost covers postage and packaging. We do not inflate the shipping costs so that we can list the book at a lower price, nor do we inflate the price of the book to cover increased shipping costs. Shipping costs are based on books weighing less than 2 lbs. (0.91 kg). Delivery Confirmation is included with standard U.S. (Media Mail) shipping. If your book order is heavy or oversized, or if there is a shipping cost statement at the end of the book description with a higher rate, you will be contacted by AbeBooks via email to approve the additional shipping charge. If the shipping statement indicates a lower rate, we will reduce your shipping charge when we process your order. The default rates are set to cover the cost of shipping a two-pound book to the most expensive destination within each category. Whenever possible we will discount the default shipping charge based on the actual cost of postage for your book(s) to your destination. Because of the risks inherent to mailing we will not ship any book without a packing slip which includes the package¿s destination and a return address. For an additional fee of $3.00, books can be shipped directly to your customer with your return address and/or have the price markings removed. Please specify in the Special Instructions section, and approve the request for extra charges that will follow. We are unable to honor special requests unless they are included in the Special Instructions section or made via email correspondence (Book Inquiries, etc.) that takes place before we process your order. Instructions embedded in the destination address are not available to us until after the order is processed and will be ignored.