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How Not To Be In Debt
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Download or read book Debt-Free Degree written by Anthony ONeal and published by Ramsey Press. This book was released on 2019-10-07 with total page 224 pages. Available in PDF, EPUB and Kindle. Book excerpt: Every parent wants the best for their child. That’s why they send them to college! But most parents struggle to pay for school and end up turning to student loans. That’s why the majority of graduates walk away with $35,000 in student loan debt and no clue what that debt will really cost them.1 Student loan debt doesn’t open doors for young adults—it closes them. They postpone getting married and starting a family. That debt even takes away their freedom to pursue their dreams. But there is a different way. Going to college without student loans is possible! In Debt-Free Degree, Anthony ONeal teaches parents how to get their child through school without debt, even if they haven’t saved for it. He also shows parents: *How to prepare their child for college *Which classes to take in high school *How and when to take the ACT and SAT *The right way to do college visits *How to choose a major A college education is supposed to prepare a graduate for their future, not rob them of their paycheck and freedom for decades. Debt-Free Degree shows parents how to pay cash for college and set their child up to succeed for life.
Download or read book House of Debt written by Atif Mian and published by University of Chicago Press. This book was released on 2015-05-20 with total page 238 pages. Available in PDF, EPUB and Kindle. Book excerpt: “A concise and powerful account of how the great recession happened and what should be done to avoid another one . . . well-argued and consistently informative.” —Wall Street Journal The Great American Recession of 2007-2009 resulted in the loss of eight million jobs and the loss of four million homes to foreclosures. Is it a coincidence that the United States witnessed a dramatic rise in household debt in the years before the recession—that the total amount of debt for American households doubled between 2000 and 2007 to $14 trillion? Definitely not. Armed with clear and powerful evidence, Atif Mian and Amir Sufi reveal in House of Debt how the Great Recession and Great Depression, as well as less dramatic periods of economic malaise, were caused by a large run-up in household debt followed by a significantly large drop in household spending. Though the banking crisis captured the public’s attention, Mian and Sufi argue strongly with actual data that current policy is too heavily biased toward protecting banks and creditors. Increasing the flow of credit, they show, is disastrously counterproductive when the fundamental problem is too much debt. As their research shows, excessive household debt leads to foreclosures, causing individuals to spend less and save more. Less spending means less demand for goods, followed by declines in production and huge job losses. How do we end such a cycle? With a direct attack on debt, say Mian and Sufi. We can be rid of painful bubble-and-bust episodes only if the financial system moves away from its reliance on inflexible debt contracts. As an example, they propose new mortgage contracts that are built on the principle of risk-sharing, a concept that would have prevented the housing bubble from emerging in the first place. Thoroughly grounded in compelling economic evidence, House of Debt offers convincing answers to some of the most important questions facing today’s economy: Why do severe recessions happen? Could we have prevented the Great Recession and its consequences? And what actions are needed to prevent such crises going forward?
Book Synopsis How to Get Out of Debt, Stay Out of Debt, and Live Prosperously* by : Jerrold Mundis
Download or read book How to Get Out of Debt, Stay Out of Debt, and Live Prosperously* written by Jerrold Mundis and published by Bantam. This book was released on 2012-05-08 with total page 338 pages. Available in PDF, EPUB and Kindle. Book excerpt: A simple, proven-effective formula for freeing yourself from debt—and staying that way • Revised and updated, with a new Preface by the author “A must read for anyone wanting to get their head above water.”—The Wall Street Journal THE CLASSIC GUIDE, REVISED WITH UP-TO-THE-MINUTE INFORMATION OUT OF THE RED • Do this month’s bills pile up before you’ve paid last month’s? • Do you regularly receive past-due notices? • Do you get letters threatening legal action if immediate payment is not made? • Do the total amounts of your revolving charge accounts keep rising? INTO THE BLACK Whether you are currently in debt or fear you’re falling into debt, you are not alone. Sixty million Americans—from doctors to secretaries, from executives to the unemployed—face the same problem and live under the same daily stress. Based on the proven techniques of the national Debtors Anonymous program, here is the first complete, step-by-step guide to getting out of debt once and for all. You’ll learn • how to recognize the warning signs of serious debt • how to negotiate with angry creditors, collection agencies, and the IRS • how to design a realistic and painless payback schedule • how to identify your spending blind spots • how to cope with the anxiety and daily pressures of owing money • plus the three cardinal rules for staying out of debt forever, and much more! This book is neither sponsored nor endorsed by Debtors Anonymous. A recovered debtor, the author is intimately familiar with the success of the Debtors Anonymous program.
Download or read book Dear Debt written by Melanie Lockert and published by Coventry House Publishing. This book was released on 2016-08-12 with total page 126 pages. Available in PDF, EPUB and Kindle. Book excerpt: In her debut book Dear Debt, personal finance expert Melanie Lockert combines her endearing and humorous personal narrative with practical tools to help readers overcome the crippling effects of debt. Drawing from her personal experience of paying off eighty thousand dollars of student loan debt, Melanie provides a wealth of money-saving tips to help her community of debt fighters navigate the repayment process, increase current income, and ultimately become debt-free. By breaking down complex financial concepts into clear, manageable tools and step-by-step processes, Melanie has provided a venerable guide to overcoming debt fatigue and obtaining financial freedom. Inside Dear Debt you will learn to: • Find the debt repayment strategy most effective for your needs • Avoid spending temptations by knowing your triggers • Replace expensive habits with cheaper alternatives • Become a frugal friend without being rude • Start a side hustle to boost your current income • Negotiate your salary to maximize value • Develop a financial plan for life after debt
Download or read book Surviving Debt written by and published by . This book was released on 2024 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Charles Schwab Guide to Finances After Fifty by : Carrie Schwab-Pomerantz
Download or read book The Charles Schwab Guide to Finances After Fifty written by Carrie Schwab-Pomerantz and published by Crown Currency. This book was released on 2014-04-01 with total page 434 pages. Available in PDF, EPUB and Kindle. Book excerpt: Here at last are the hard-to-find answers to the dizzying array of financial questions plaguing those who are age fifty and older. The financial world is more complex than ever, and people are struggling to make sense of it all. If you’re like most people moving into the phase of life where protecting—as well as growing-- assets is paramount, you’re faced with a number of financial puzzles. Maybe you’re struggling to get your kids through college without drawing down your life’s savings. Perhaps you sense your nest egg is at risk and want to move into safer investments. Maybe you’re contemplating downsizing to a smaller home, but aren’t sure of the financial implications. Possibly, medical expenses have become a bigger drain than you expected and you need help assessing options. Perhaps you’ll shortly be eligible for social security but want to optimize when and how to take it. Whatever your specific financial issue, one thing is certain—your range of choices is vast. As the financial world becomes increasingly complex, what you need is deeply researched advice from professionals whose credentials are impeccable and who prize clarity and straightforwardness over financial mumbo-jumbo. Carrie Schwab-Pomerantz and the Schwab team have been helping clients tackle their toughest money issues for decades. Through Carrie’s popular “Ask Carrie” columns, her leadership of the Charles Schwab Foundation, and her work across party lines through two White House administrations and with the President’s Advisory Council on Financial Capability, she has become one of America’s most trusted sources for financial advice. Here, Carrie will not only answer all the questions that keep you up at night, she’ll provide answers to many questions you haven’t considered but should.
Download or read book Good Debt, Bad Debt written by Jon Hanson and published by Jon Hanson. This book was released on 2006-12-26 with total page 303 pages. Available in PDF, EPUB and Kindle. Book excerpt: Debt is like cholesterol: some kinds are good and some are bad. So says this lighthearted guide to the pros and cons of different types of debt.
Download or read book Bad Paper written by Jake Halpern and published by Macmillan + ORM. This book was released on 2014-10-14 with total page 193 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Federal Trade Commission receives more complaints about rogue debt collecting than about any activity besides identity theft. Dramatically and entertainingly, Bad Paper reveals why. It tells the story of Aaron Siegel, a former banking executive, and Brandon Wilson, a former armed robber, who become partners and go in quest of "paper"—the uncollected debts that are sold off by banks for pennies on the dollar. As Aaron and Brandon learn, the world of consumer debt collection is an unregulated shadowland where operators often make unwarranted threats and even collect debts that are not theirs. Introducing an unforgettable cast of strivers and rogues, Jake Halpern chronicles their lives as they manage high-pressure call centers, hunt for paper in Las Vegas casinos, and meet in parked cars to sell the social security numbers and account information of unsuspecting consumers. He also tracks a "package" of debt that is stolen by unscrupulous collectors, leading to a dramatic showdown with guns in a Buffalo corner store. Along the way, he reveals the human cost of a system that compounds the troubles of hardworking Americans and permits banks to ignore their former customers. The result is a vital exposé that is also a bravura feat of storytelling.
Book Synopsis The Debt Escape Plan by : Beverly Harzog
Download or read book The Debt Escape Plan written by Beverly Harzog and published by Career Press. This book was released on 2015 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: When Harzog decided she wanted to break free from debt, she found that conventional advice about personal finance didn't work for her. Now she shares her unique debt escape plan, and shows you how to use it as the basis for your own customized debt escape plan.
Book Synopsis Can't Pay, Won't Pay by : Collective Debt
Download or read book Can't Pay, Won't Pay written by Collective Debt and published by Haymarket Books. This book was released on 2020-06-23 with total page 98 pages. Available in PDF, EPUB and Kindle. Book excerpt: Debtors have been mocked, scolded and lied to for decades. We have been told that it is perfectly normal to go into debt to get medical care, to go to school, or even to pay for our own incarceration. We’ve been told there is no way to change an economy that pushes the majority of people into debt while a small minority hoard wealth and power. The coronavirus pandemic has revealed that mass indebtedness and extreme inequality are a political choice. In the early days of the crisis, elected officials drew up plans to spend trillions of dollars. The only question was: where would the money go and who would benefit from the bailout? The truth is that there has never been a lack of money for things like housing, education and health care. Millions of people never needed to be forced into debt for those things in the first place. Armed with this knowledge, a militant debtors movement has the potential to rewrite the contract and assure that no one has to mortgage their future to survive. Debtors of the World Must Unite. As isolated individuals, debtors have little influence. But as a bloc, we can leverage our debts and devise new tactics to challenge the corporate creditor class and help win reparative, universal public goods. Individually, our debts overwhelm us. But together, our debts can make us powerful.
Book Synopsis No More National Debt by : Bill Still
Download or read book No More National Debt written by Bill Still and published by . This book was released on 2011 with total page 270 pages. Available in PDF, EPUB and Kindle. Book excerpt: Sovereign nations do not have to borrow their money into existence, yet the United States has been deceived into doing so since 1913. The compounding interest on this debt is now growing logarithmically and cannot be sustained. Unfortunately, we cannot just pay down the National Debt. All our money except for coins -- is created out of this debt. Under this debt money system, to reduce the debt is to reduce the national money. The only solution is to restructure our monetary system to forbid government borrowing. Fortunately, this is nothing new. The U.S. and other nations have done it before.The truth is that nations do not need to borrow. Nations can create. Creating the nation's money is the most important power of a sovereign country. The National Debt and the resulting interest payments are what is killing every economy on the planet, impacting the poorest nations with starvation. No More National Debt should be the battle cry for a new human rights movement.
Book Synopsis How Not to Be in Debt by : Amari Avery
Download or read book How Not to Be in Debt written by Amari Avery and published by . This book was released on 2021-08-09 with total page 156 pages. Available in PDF, EPUB and Kindle. Book excerpt: How Not To Be In Debt. A Complete Step By Step Money Saving, Budgeting And Management Book For Beginners And Pros. Benefits of Saving Money and money management. There are lots of benefits to saving money and money management. Here are some of them: - The more money you save by budgeting, the longer it can last. - Saving money can improve your financial standard of living in the long run. - Having a comfortable retirement finance is much easier if you start saving for it while you're working. - Saving while providing for your family also creates a lot more opportunities and builds strong relationships over time. Benefits of Budgeting Money to Save Money. - Avoid credit card debt. - control spending. - enhance peace of mind. This is a helpful list of possible benefits and steps to take on how to save money. There are a lot of potential benefits from budgeting your money, as can be seen in this book. It also provides steps on how to get started and what the best ways are to spend your money on what you need. Benefits of Money Management. Step 1: Create a budget. Step 2: Save money. Step 3: Track spending. A logical step-by-step approach to saving money. The benefits of a budget are endless, but they generally boil down to one or more of the following. You'll be able to cut your spending, helping you save for things like college tuition, houses, retirement and emergency funds. Click the BUY Buttom now, get "How Not To Be In Debt" and get into the world of saving money, becoming debt free, building wealth to becoming wealthy.
Download or read book Zero Debt written by Lynnette Khalfani and published by . This book was released on 2004 with total page 204 pages. Available in PDF, EPUB and Kindle. Book excerpt: Provides practical advice on getting out of debt, setting a budget, and managing personal finances to guaranteea a healthy financial future and retirement.
Download or read book Credit Hell written by Howard S. Dvorkin and published by . This book was released on 2010-07-28 with total page 248 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Slash Your Debt by : Gerri Detweiler
Download or read book Slash Your Debt written by Gerri Detweiler and published by . This book was released on 2001-03 with total page 112 pages. Available in PDF, EPUB and Kindle. Book excerpt: -- Why a 13% credit card can cost more to pay off than a 19% one-- Where to get consolidation loans with no credit check-- How to create a rapid repayment plan based on your personality-- The eight essential keys to successful debt consolidation-- How to avoid consolidation traps that can lead to bankruptcy or foreclosure
Book Synopsis Say Yes to No Debt by : DeForest B. Soaries
Download or read book Say Yes to No Debt written by DeForest B. Soaries and published by HarperChristian + ORM. This book was released on 2015-12-01 with total page 222 pages. Available in PDF, EPUB and Kindle. Book excerpt: The founder of the dfree™ movement's twelve attainable steps to financial freedom. This book is not just another financial literacy program that assumes that all people need is information. Drawing on his personal experience and years as a pastor, public policy maker, and community leader, DeForest "Buster" Soaries, Jr. shares a groundbreaking, life-changing approach to financial wellness that views financial bondage as an emotional, spiritual, and psychological problem. The dfree™ movement provides twelve easy, attainable steps to help you: Get started on your debt by admitting the problem, addressing the mess, and adjusting your attitude Get control by creating a spending plan, becoming accountable, and setting goals Get ahead by building wealth, planning your will and estate, and celebrating your success And give back by investing in others, through tithing, mentoring, and leading your own dfree™ movement If you want to live a debt-free life with the financial freedom to travel, purchase a home within your means, and enjoy retirement without the burden of pay excess monthly bills, then this book is for you. Eliminating debt is the first step toward financial freedom. And YOU can do it.
Book Synopsis Living Debt-Free by : Shannon Lee Simmons
Download or read book Living Debt-Free written by Shannon Lee Simmons and published by HarperCollins. This book was released on 2018-12-18 with total page 371 pages. Available in PDF, EPUB and Kindle. Book excerpt: Get rid of your debt without giving up your life No one wants to be in debt. But life happens and if you’ve got debt, life has happened to you. Whether you have a rolling balance of $2,000 on your credit card or an $80,000 line of credit you are positive you will carry to your grave, debt can be a huge cause of stress—affecting both your emotional and financial wellness. After working with thousands of financial planning clients, Shannon Lee Simmons knows that your only way out of the debt cycle is to truly understand all of your spending triggers so you can shut them down for good. In Living Debt-Free, she shows you that it is possible to have a life and pay down debt at the same time. In fact, that’s the only way your debt plan will work. You will learn to take control of your finances and pay down your debt in a realistic way that will keep you motivated long enough to see it through to the end. No shame. No blame. No scare tactics. In Living Debt-Free, Simmons focuses on creating a debt repayment plan that will motivate you for a long time, rather than an unrealistic one that’s strictly about paying the least amount of interest charges. (Collective gasp—how dare she!?) Listen, everyone knows that paying interest on debt is bad and to be avoided as much as possible, but human beings are complex. Life is complex. Debt is complex. There cannot be a one-size-fits-all plan, so Living Debt-Free will help you build your plan—the one that will help you finally put the debt behind you, start fresh and feel good about your money again.
