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My First Step To A Successful Credit Score For Teens And Beginners
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Book Synopsis My First Step to a Successful Credit Score for Teens and Beginners by : Sweet Smart Books
Download or read book My First Step to a Successful Credit Score for Teens and Beginners written by Sweet Smart Books and published by Sweet Smart Books. This book was released on 2022-04-10 with total page 144 pages. Available in PDF, EPUB and Kindle. Book excerpt: Harnessing the basics of finance has become more important than ever before, but very few people know where to start and how to begin. My First Step to a Successful Credit Score for Teens and Beginnersis all about mastering the basics of your personal finances and investing. With step-by-step guides for budgeting, understanding your credit score and ranking system, investing in crypto, stocks, and more, we have it all! The world of finances no longer needs to be a puzzle, and by the time you are done, you will have an understanding of the basics of boosting your credit score and improving your overall financial well-being. It also focuses on difficult matters such as debt, building a portfolio, and more! And the best part? You don’t need any prior financial knowledge! The pain of having to scrounge around in your dictionary is a thing of the past. Complicated terms and concepts are simplified in a way that anyone can understand. So, don’t hesitate and start reading your foundational financial guide today!
Book Synopsis My First Step in Crypto and Bitcoin Investing for Kids and Beginners by : Sweet Smart Books
Download or read book My First Step in Crypto and Bitcoin Investing for Kids and Beginners written by Sweet Smart Books and published by Sweet Smart Books. This book was released on 2021-09-10 with total page 134 pages. Available in PDF, EPUB and Kindle. Book excerpt: It is no secret that cryptocurrency is the talk of the town at present due to its skyrocketing prices and high return on investment. In 2021, the price of Bitcoin raised as high as $60000 making it gather both media and people's attention. Cryptocurrencies are complex financial instruments that are difficult to understand and follow. If you are a complete novice looking forward to investing in the market, learning about cryptocurrencies such as Bitcoin as well as the Blockchain design that supports them can seem like a daunting task. Although there are many books on the market, most of them aren't meant for beginners and cover complex topics. Sweet Smart Books presented this book focusing on explaining complex topics about Blockchain technology and Cryptocurrencies in a way that it can be easily understood by kids and beginners. A number of real-life examples and scenarios were used by the author of this book to explain different concepts in a friendly way so that readers are able to follow the bigger picture of what is happening. What are you going to learn from this book? The book starts with an introduction to different currency systems and financial instruments to extend itself into the basics of cryptocurrencies and Blockchain technology. This book focuses on topics such as Different currency systems Different financial instruments Centralization vs Decentralization Understanding the basics of cryptocurrencies Blockchain technology Understanding Bitcoin Mining Consensus mechanism Ethereum Smart contracts and how they work? Cardano Polkadot Risk management Investing in Cryptocurrency Technical and Fundamental Analysis And a lot more.
Book Synopsis Build and Protect Your Credit Like the Pros by : Carolyn Warren
Download or read book Build and Protect Your Credit Like the Pros written by Carolyn Warren and published by Independently Published. This book was released on 2018-11-20 with total page 158 pages. Available in PDF, EPUB and Kindle. Book excerpt: Build your credit profile in the best way so that you avoid mistakes and gain respect. Easy to read, down to earth. By the time you finish, you will know more about how the credit system works than 98 percent of the U.S. population. You will be in control of your own credit score. With top tier credit, you save tens of thousands of dollars on everything from auto insurance premiums to mortgage interest rates.Guidance from one of America's top and most beloved credit and mortgage experts, the author of Repair Your Credit Like the Pros. Carolyn Warren has been called a blessing, a godsend, and the Mother Theresa of mortgage loans. Bob Brinker of "Money Talk" radio rated her work "a 12 out of 10." Perfect for young adults opening their first credit cards, immigrants to the U.S., or anyone who wants to become an expert in how the credit scoring system works and take total charge of their own finances.
Book Synopsis Credit Management Kit For Dummies® by : Stephen R. Bucci
Download or read book Credit Management Kit For Dummies® written by Stephen R. Bucci and published by John Wiley & Sons. This book was released on 2011-08-26 with total page 411 pages. Available in PDF, EPUB and Kindle. Book excerpt: The painless way to manage credit in today's financial landscape People with great credit scores are getting turned down for credit cards and loans for homes and cars. What do they need besides a good score? What are lenders looking for now that they are extremely risk-averse? Repairing broken or damaged credit is one thing, but having to meet today's much stiffer credit standards requiring that consumers consistently manage their credit is another thing all together. Credit Management Kit For Dummies gives you answers to these questions and insight into these concerns, and also walks you down the correct path to credit application approval. You'll discover major changes with the Credit CARD (Credit Accountability, Responsibility, and Disclosure) Act provisions and the new Consumer Financial Protection Legislation Agency; the effect of tightened credit markets on those with good, marginal, or bad credit; new rules and programs including Hope and Government options via the Obama Administration; the best ways to recover from mortgage related credit score hits; tips for minimizing damage after walking away from a home; credit score examples with new ranges; and much more. The pros and cons of credit counselors The quickest and most effective way to undo damage from identity theft Advice and tips about adding information to a credit report, and beefing-up thin credit Guidance for evaluating your Credit Score in today's economy Fannie Mae's revised guidelines for purchasing mortgages Information on significant others (boyfriend/girlfriend/spouse) and credit and debt sharing IRS exceptions to the Mortgage Forgiveness Debt Relief Act in a mortgage meltdown situation Not just for those who have bad credit and need to repair it, Credit Management Kit For Dummies also serves as an invaluable resource for those with average credit who want, or need, to manage it to get a job, reduce insurance costs, qualify for banking products, and more.
Download or read book My "b" Book written by Jane Belk Moncure and published by . This book was released on 1991 with total page 28 pages. Available in PDF, EPUB and Kindle. Book excerpt: A little girl fills her sound box with words beginning with the letter "b."
Book Synopsis Control Your Cash by : Greg McFarlane
Download or read book Control Your Cash written by Greg McFarlane and published by Greg McFarlane Betty Kincaid. This book was released on 2010-06 with total page 320 pages. Available in PDF, EPUB and Kindle. Book excerpt: "A 14% credit card rate! What a deal!" "Where it says 'adjustable' here on my mortgage - that means 'fixed', right?" "Work until I retire, then collect Social Security. That's my wealth plan." If you've ever wondered how your money works, where it goes or how it grows, stop wondering. "Control Your Cash: Making Money Make Sense" deconstructs personal finance so that everyone but the hopelessly inept can understand it. Inside the book, you'll learn: [ how to get your bank accounts, credit cards and other financial instruments to work for you, and not the other way around [ the right way to buy a car (i.e. with the salesman cursing your name as you drive away) [ where and how to invest, and what all those symbols, charts and graphs mean [ how to turn expenses into income, and stop living paycheck-to-paycheck [ whom the tax system is stacked against (hint: it's most of us) and how to use that to your advantage [ the very key to wealth itself. In fact, the authors thought it was so important they put it on the cover so you can read it even if you're too cheap to buy the book: Buy assets, sell liabilities. Finally, a book that explains personal finance not only in layman's terms, but in detail. If you can read, and have any capacity for self-discipline, invest a few bucks in "Control Your Cash" now and reap big financial rewards for the rest of your life.
Book Synopsis The Simple Path to Wealth by : Jl Collins
Download or read book The Simple Path to Wealth written by Jl Collins and published by Jl Collins LLC. This book was released on 2021-08-16 with total page 286 pages. Available in PDF, EPUB and Kindle. Book excerpt: "In the dark, bewildering, trap-infested jungle of misinformation and opaque riddles that is the world of investment, JL Collins is the fatherly wizard on the side of the path, offering a simple map, warm words of encouragement and the tools to forge your way through with confidence. You'll never find a wiser advisor with a bigger heart." -- Malachi Rempen: Filmmaker, cartoonist, author and self-described ruffian This book grew out of a series of letters to my daughter concerning various things-mostly about money and investing-she was not yet quite ready to hear. Since money is the single most powerful tool we have for navigating this complex world we've created, understanding it is critical. "But Dad," she once said, "I know money is important. I just don't want to spend my life thinking about it." This was eye-opening. I love this stuff. But most people have better things to do with their precious time. Bridges to build, diseases to cure, treaties to negotiate, mountains to climb, technologies to create, children to teach, businesses to run. Unfortunately, benign neglect of things financial leaves you open to the charlatans of the financial world. The people who make investing endlessly complex, because if it can be made complex it becomes more profitable for them, more expensive for us, and we are forced into their waiting arms. Here's an important truth: Complex investments exist only to profit those who create and sell them. Not only are they more costly to the investor, they are less effective. The simple approach I created for her and present now to you, is not only easy to understand and implement, it is more powerful than any other. Together we'll explore: Debt: Why you must avoid it and what to do if you have it. The importance of having F-you Money. How to think about money, and the unique way understanding this is key to building your wealth. Where traditional investing advice goes wrong and what actually works. What the stock market really is and how it really works. Why the stock market always goes up and why most people still lose money investing in it. How to invest in a raging bull, or bear, market. Specific investments to implement these strategies. The Wealth Building and Wealth Preservation phases of your investing life and why they are not always tied to your age. How your asset allocation is tied to those phases and how to choose it. How to simplify the sometimes confusing world of 401(k), 403(b), TSP, IRA and Roth accounts. TRFs (Target Retirement Funds), HSAs (Health Savings Accounts) and RMDs (Required Minimum Distributions). What investment firm to use and why the one I recommend is so far superior to the competition. Why you should be very cautious when engaging an investment advisor and whether you need to at all. Why and how you can be conned, and how to avoid becoming prey. Why I don't recommend dollar cost averaging. What financial independence looks like and how to have your money support you. What the 4% rule is and how to use it to safely spend your wealth. The truth behind Social Security. A Case Study on how this all can be implemented in real life. Enjoy the read, and the journey!
Book Synopsis The Dumb Things Smart People Do with Their Money by : Jill Schlesinger
Download or read book The Dumb Things Smart People Do with Their Money written by Jill Schlesinger and published by Ballantine Books. This book was released on 2020-02-04 with total page 290 pages. Available in PDF, EPUB and Kindle. Book excerpt: You’re smart. So don’t be dumb about money. Pinpoint your biggest money blind spots and take control of your finances with these tools from CBS News Business Analyst and host of the nationally syndicated radio show Jill on Money, Jill Schlesinger. “A must-read . . . This straightforward and pleasingly opinionated book may persuade more of us to think about financial planning.”—Financial Times Hey you . . . you saw the title. You get the deal. You’re smart. You’ve made a few dollars. You’ve done what the financial books and websites tell you to do. So why isn’t it working? Maybe emotions and expectations are getting in the way of good sense—or you’re paying attention to the wrong people. If you’ve started counting your lattes, for god’s sake, just stop. Read this book instead. After decades of working as a Wall Street trader, investment adviser, and money expert for CBS News, Jill Schlesinger reveals thirteen costly mistakes you may be making right now with your money. Drawing on personal stories and a hefty dose of humor, Schlesinger argues that even the brightest people can behave like financial dumb-asses because of emotional blind spots. So if you’ve saved for college for your kids before saving for retirement, or you’ve avoided drafting a will, this is the book for you. By following Schlesinger’s rules about retirement, college financing, insurance, real estate, and more, you can save money and avoid countless sleepless nights. It could be the smartest investment you make all year. Praise for The Dumb Things Smart People Do with Their Money “Common sense is not always common, especially when it comes to managing your money. Consider Jill Schlesinger’s book your guide to all the things you should know about money but were never taught. After reading it, you’ll be smarter, wiser, and maybe even wealthier.”—Chris Guillebeau, author of Side Hustle and The $100 Startup “A must-read, whether you’re digging yourself out of a financial hole or stacking up savings for the future, The Dumb Things Smart People Do with Their Money is a personal finance gold mine loaded with smart financial nuggets delivered in Schlesinger’s straight-talking, judgment-free style.”—Beth Kobliner, author of Make Your Kid a Money Genius (Even If You’re Not) and Get a Financial Life
Book Synopsis The Motley Fool Investment Guide for Teens by : David Gardner
Download or read book The Motley Fool Investment Guide for Teens written by David Gardner and published by Simon and Schuster. This book was released on 2002-08-06 with total page 256 pages. Available in PDF, EPUB and Kindle. Book excerpt: Publisher Description
Book Synopsis Architecture for Teens by : Danielle Willkens
Download or read book Architecture for Teens written by Danielle Willkens and published by Sourcebooks, Inc.. This book was released on 2021-03-23 with total page 166 pages. Available in PDF, EPUB and Kindle. Book excerpt: A practical introduction to architecture for aspiring teen architects Architecture is a fascinating, diverse field that blends technology, creativity, engineering, and even psychology. Discover the possibilities with this in-depth choice in architecture books for teens. Delve into the world of architecture, learn about recent innovations in sustainability and inclusivity, and uncover the details behind real architectural projects. Explore an overview of architectural movements and designers from prehistory to modern-day, and check out inspiring interviews with working professionals. With tons of practical advice for pursuing a career, you'll find out how you can become an architect and help build an environmentally responsible world from the ground up! Go beyond other architecture books for teens with: Architecture essentials—Get to know the five basic elements of architecture: structure, program, economics, aesthetics, and region. Creative career options—Learn what it means to work in residential or industrial architecture, specialize in historic preservation, create landscapes, innovate in urban planning, and more. Real-world examples—Go behind the scenes on real architectural projects with colorful illustrations, breakdowns of the design process, and thoughtful examinations of their impact. Learn all about the role of an architect with this comprehensive selection in architecture books for teens.
Book Synopsis Get Good with Money by : Tiffany the Budgetnista Aliche
Download or read book Get Good with Money written by Tiffany the Budgetnista Aliche and published by Rodale Books. This book was released on 2021-03-30 with total page 370 pages. Available in PDF, EPUB and Kindle. Book excerpt: NEW YORK TIMES, WALL STREET JOURNAL, AND USA TODAY BESTSELLER • A ten-step plan for finding peace, safety, and harmony with your money—no matter how big or small your goals and no matter how rocky the market might be—by the inspiring and savvy “Budgetnista.” “No matter where you stand in your money journey, Get Good with Money has a lesson or two for you!”—Erin Lowry, bestselling author of the Broke Millennial series Tiffany Aliche was a successful pre-school teacher with a healthy nest egg when a recession and advice from a shady advisor put her out of a job and into a huge financial hole. As she began to chart the path to her own financial rescue, the outline of her ten-step formula for attaining both financial security and peace of mind began to take shape. These principles have now helped more than one million women worldwide save and pay off millions in debt, and begin planning for a richer life. Revealing this practical ten-step process for the first time in its entirety, Get Good with Money introduces the powerful concept of building wealth through financial wholeness: a realistic, achievable, and energizing alternative to get-rich-quick and over-complicated money management systems. With helpful checklists, worksheets, a tool kit of resources, and advanced advice from experts who Tiffany herself relies on (her “Budgetnista Boosters”), Get Good with Money gets crystal clear on the short-term actions that lead to long-term goals, including: • A simple technique to determine your baseline or “noodle budget,” examine and systemize your expenses, and lay out a plan that allows you to say yes to your dreams. • An assessment tool that helps you understand whether you have a “don't make enough” problem or a “spend too much” issue—as well as ways to fix both. • Best practices for saving for a rainy day (aka job loss), a big-ticket item (a house, a trip, a car), and money that can be invested for your future. • Detailed advice and action steps for taking charge of your credit score, maximizing bill-paying automation, savings and investing, and calculating your life, disability, and property insurance needs. • Ways to protect your beneficiaries' future, and ensure that your financial wishes will stand the test of time. An invaluable guide to cultivating good financial habits and making your money work for you, Get Good with Money will help you build a solid foundation for your life (and legacy) that’s rich in every way.
Book Synopsis Investing for Kids by : Dylin Redling
Download or read book Investing for Kids written by Dylin Redling and published by Sourcebooks, Inc.. This book was released on 2020-12-15 with total page 144 pages. Available in PDF, EPUB and Kindle. Book excerpt: Outgrow your piggy bank—an intro to investing for kids ages 8 to 12 Did you know that the sooner you understand money, the sooner you can make more of it? It's true! Investing for Kids can help make you money savvy, showing you how to earn it, how to start a savings plan, and the best ways to invest and create a future with money in the bank. With a little help from the astounding Dollar Duo characters—Mr. Finance and Investing Woman—this engaging kid's finance book covers essential information about stocks and bonds, how to invest in them, and how they can help you build your wealth. Learn about the concepts of "risk" and "reward" as well as learn how to diversify your portfolio and how to make your money grow. Practical advice—This guide to investing for beginners explores modern investing techniques like impact investing and digital trading. Finance 101 for kids—Get real-life examples that you can relate to and find out about famous investors and historical events. Taking stock—Dive into interactive activities and discussions that include kids and parents alike. This ultimate money book for kids gives you a jump-start on how to be a smart investor.
Book Synopsis The Amazing Stitching Handbook for Kids by : Kristin Nicholas
Download or read book The Amazing Stitching Handbook for Kids written by Kristin Nicholas and published by C&T Publishing Inc. This book was released on 2015-06-01 with total page 132 pages. Available in PDF, EPUB and Kindle. Book excerpt: Learn how to embroider and personalize almost anything with these 15 projects ranging from phone cases to backpack tags. Transform your plain stuff into awesome stuff with just some fabric and thread! Glam up boring bookmarks, tote bags, and even your jeans! Bored during a road trip or on a rainy day? Grab your favorite color thread and get stitching! Learn and choose from different stitches to make each project exactly the way you want. Make presents that your pals and family will love. Put your own stamp on pillows and picture frames. Stitch up some cuteness!
Book Synopsis The Money Book for the Young, Fabulous & Broke by : Suze Orman
Download or read book The Money Book for the Young, Fabulous & Broke written by Suze Orman and published by Penguin. This book was released on 2005 with total page 412 pages. Available in PDF, EPUB and Kindle. Book excerpt: From one of the worlds most trusted experts on personal finance comes a "route planner," identifying easy moves to get young people on the road to financial recovery and within reach of their dreams.
Book Synopsis Life Skills for Teens by : Karen Harris
Download or read book Life Skills for Teens written by Karen Harris and published by . This book was released on 2021-10 with total page 138 pages. Available in PDF, EPUB and Kindle. Book excerpt: Congratulations, you are a teenager! The big question is, now what?! The teenage years are an exciting yet every changing period of your life. New challenges and tasks seem to pop up almost daily, not to mention all the changes your body is going through. As you get older and take on more responsibilities, you have probably often wondered how to do many of the adult tasks your parents or older siblings seem to breeze through daily. Everything from how to tell if the chicken in the fridge has gone bad to how to get rid of dandruff has likely crossed your mind, and you're not alone. The more you learn and the more new experiences you have, the more questions you'll have too. While a wonderful tool with a wealth of knowledge, the internet can be overwhelming to navigate at times. I mean, which of the thirteen articles about budgeting and saving money is actually accurate? And yes, you can ask your parents or other trusted adults in your life to teach you specific skills, but sometimes you just want to figure it out on your own. That's where this guide comes into play. Dive in and start learning life skills for teens! Order yours now.
Book Synopsis Credit Repair Kit For Dummies by : Steve Bucci
Download or read book Credit Repair Kit For Dummies written by Steve Bucci and published by John Wiley & Sons. This book was released on 2008-07-28 with total page 394 pages. Available in PDF, EPUB and Kindle. Book excerpt: Now, you can finally end the cycle of bad credit and get back on your feet by following the step-by-step advice and tools in Credit Repair Kit For Dummies, 2nd Edition. You’ll find out everything you need to know about creating a solid plan to get your credit back on track. You’ll discover how to find your credit report, review all of the information in it, and learn how you can repair and spruce it up. You’ll learn how to communicate with creditors and how to budget so that you can pay your bills in full and on time. You’ll learn how to apply these credit strategies to all life situations, from building credit with your life partner to financially surviving a divorce, unemployment, and student loans. You will find out how to safe-guard your identity so that other people don’t damage your credit. Find out how to: Take charge of your credit Get help from credit counselors Request copies of your credit report Know how to interpret your credit report and credit score Avoid foreclosure Communicate with collectors, lawyers, and the courts Manage medical debt Safe-guard your identity Complete with lists of ten tips to avoid identity theft and reduce damages, ten ways you can prevent foreclosure, ten methods for establishing and improving credit, and ten strategies for handling financial emergencies, Credit Repair Kit For Dummies, 2nd Edition is your one-stop guide to improving and maintaining your credit score and protecting your identity. Note: CD-ROM/DVD and other supplementary materials are not included as part of eBook file.
Book Synopsis How to Create a New Credit Profile, Obtain New Credit, and Rebuild Your Old Credit by : The Credit Specialists
Download or read book How to Create a New Credit Profile, Obtain New Credit, and Rebuild Your Old Credit written by The Credit Specialists and published by . This book was released on 2020-04-15 with total page 31 pages. Available in PDF, EPUB and Kindle. Book excerpt: Learn the proven method to create a new credit profile, obtain new credit and rebuild bad credit.* * * * *TABLE OF CONTENTSWhy We Wrote This BookHow This Book Can Help You1.Establish a new credit profile and obtain new credit2.Build a credit score of 700 or higher in 12 months3.Minimize creditor harassmentThe 3 Steps to Success1.Establish new personal information2.Apply for secured credit cards3.After one year, convert secured cards to unsecuredOld Credit Profile vs. New Credit Profile1.Build a wall around your old information2.Never mix your old and new informationManaging Old Credit Problems1.Forwarding mail to a PO box2.Porting your phone number3.When to disconnect your phone4.Updating lender accounts onlineEstablishing Your New Information1.Obtain copies of your existing credit reports2.How to establish a new residence address3.How to establish a new email address4.How to establish a new phone numberEstablishing a Slight Variation of Your Name1.Review the names on your old credit reports2.How to modify your first name3.How to modify your middle name4.How to pay new credit cards with an old bank accountShould I use an SSN or an EIN?What is a CPN?Creating a Virtual SSN1.First 3 digits (State)2.Middle 2 digits (Group)3.Last 4 digits (Serial)4.Determining your age5.Generating your new virtual SSN6.Establishing your birthdayEstablishing Your Salary and Expenses1.Look like a recent college graduate2.Understand the DTI ratio3.Do you rent or do you own?4.How long have you lived at your current address?5.What kind of car do you have?6.Determine your profession and salary7.Determine other sources of income8.Determine your employer nameApplying For A Credit Card1.Start with a secured credit card2.No-fee cards preferred3.Avoid credit unions and retail store cards4.Apply for cards that include free monthly credit scores5.Only use your new information when you apply6.You have both a checking and saving account7.You rent instead of own8.You have lived at your address for more than two years9.You have very low or no monthly debt payments10.You are currently employed11.You have no other sources of income12.Security deposit amount13.What happens if my application is declined?Managing Your New Profile1.Give as little information as possible to creditors2.When to never use your new profile3.Convert secured accounts to unsecured after one year4.Pay off each card in full each month5.Understand how FICO scores work6.Wait 6 months between credit applications7.Give yourself a pay raise every year8.Ask for an annual credit limit increase9.Put a security freeze on your credit reports10.Closing an accountManaging Your Old ProfileOther Items1.Should I update my photo ID and bank account?2.What about car loans and apartment rentals?3.The 7 year limit on negative items4.Should I file for bankruptcy?5.Time-barred collection of old debts6.Dealing with debt collectors and "zombie" debt7.Paying off old debt at a discount may cause tax problems8.When you no longer need your new profile9.Am I using someone else's SSN?10.Avoiding legal problems11.Final wordsAPPENDIX1.Social Security Numbers - First Three Digits (State Number)2.Social Security Numbers - Middle Two Digits (Group Number)3.Social Security Numbers - Last Four Digits (Serial Number)
