Book Description

It's None of Your Business is the most consumer-friendly, powerful, and informative book written on protecting and regaining your privacy.It points out not only the problems associated with our loss of privacy, but includes literally a warehouse of strategies and solutions.The book also addresses those most at risk, including women, the elderly, victims of stalkers, and those with significant assets.It contains complete sections discussing what to do in the home, at work, in public, in school, on the Internet, on the phone, at the bank, at a store, using the mail, dealing with insurance companies, travel, and investing.It provides extensive background material showing where the risks are, how to minimize them, and how to develop a plan of action to protect yourself, your identity, your credit, and your family.The author also provides incredible insight into the root causes of the problem, showing government and big business plans for the future in a cash-less society, where the government has instant access to your bank account and big business controls everything you are allowed to purchase.He comments on the collusion between business and government for complete control of your health care, finances, employment, transportation, education, social, and professional life, and even where you live.The greatest value of the book however, is that it is crammed with solutions, from controlling who has access to information about your private life and where you live, to what information goes into the major data banks, to what to do to protect your assets.Strategies are spelled out in layman's terms that everyone can understand.Unlike many books that give out a little information and leave you needing more, this book provides details about how to control the dissemination of every type of personal information you can imagine.It also contains an excellent resource section listing dozens of books, organizations, web sites, and newsletters to keep you informed and to help with your personal plan of action.

Because the author has spent over 15 years in the database consulting business, he is well versed in the potential for errors in huge data files that are kept on everyone.He addresses the problem of finding the files containing your personal data and then how difficult it is to extractinformation from them whether they be in big business or government agencies' computers.He notes that it is easy to get into a database, but very difficult, if not impossible, to get out of one.He also discusses how difficult it is to correct information that is contained therein.He includes strategies for improving the accuracy of personal data files and ways of stopping the addition of new data into the files.He also includes a discussion of the Y2K computer bug and its impact on the proliferation of inaccurate data.He suggests ways of preparing yourself and your family so that necessary information is available to medical personnel or financial institutions should data be lost or made unavailable because of loss of electricity or other essential services.Because data in these huge files is so important and yet so difficult to monitor, the author provides a wide range of options and strategies to take back control of one's personal information, so that it is accessible to them and truly their own, not subject to the whims and mistakes of large impersonal bureaucracies.He also discusses in great detail how to protect personal data on one's own computer so that it is not available to everyone else and so that it is safe from viruses and other programs that are capable of stealing or altering it when the owner is unaware.He suggests a variety of programs and strategies that anyone can implement at low cost to protect themselves while surfing the Internet or doing other online transactions.

Not only are there strategies for taking back control of personal information, but the author delves into the larger issues of freedom and control.He provides great insight into the inner workings of business and government agencies, showing their true plans and schemes for the manipulation of the consumer.He shows how you can short circuit these plans so that you can lead a life of your own choosing, free from dictatorial controls and constraints.He provides information about private banking, health care, employment, investing, and normal everyday purchases.Because most people are unaware of the myriad of resources out there for providing everyday needs without public disclosure to the world, the author lists dozens of ways the average person can live their life completely normal, but without revealing to the world all the intimate details, thereby maintaining the right to make their own decisions about what is right for themselves and their families.No other book does such a complete job of providing strategies and plans for gaining back control of one's own identity and life. ... Read more

Reviews (6)

Very Well Written
In a field of poorly written and researched books, this one has an abundance of detailed info on what's going on in the world of personal privacy. Maybe he includes a bit too much revolutionary political zeal, but I found a great deal of practical guidance I can use to secure my private life in these rapidly changing times.

- Jimbo

Worth every penny!
This isn't for the paranoid. Its for those who aren't paranoid enough.

This one is a keeper.

A user friendly guide to privacy!
I have read and re-read this practical and very useful book. I continue to reference it regularly and have implimented many of the techniques Sontag recommends. His suggestions regarding computer security have been particularly useful and his in-depth knowledge of banking and finance are right on! I highly recommend buying this valuable book.

Must-have for any one concerned with privacy in their lives
This eye-opening and extremely informative book accomplishes two things. First, it alerts the reader to the incredible amount of privacy we sacrifice in our daily personal and business lives. More importantly, you will learn what to do about it! The revelation for me was the fact that privacy and convenience are usually inversely proportional. So some of the tips and techniques will have you saying "oh darn - I can't do that anymore!" However, when you truly realize that most of your life is an open book for anyone who wishes to pry into it - you'll feel enlightened and empowered by the vast amount of information this book contains. It runs the gamut from issues regarding privacy at work, financial affairs, computer, communications, and more. There is also an excellent resource section at the end to enable you to explore further into the world of privacy. Whether you're concerned about Big Brother, being stalked, or simply of the mind that in this technology age it's increasingly vital to keep one's business private and secure, None Of Your Business is a must read.

A "must have" book for anyone concerned about privacy!
This book contains such a wealth of information, that it is impossible to do it justice with a short comment. "It's None of Your Business" is packed with pertinent information for anyone who is concerned with personal security (and everyone should be). It describes just how easily it is for someone to gain access to your bank records,and your identity. Then there is the matter of medical records. Just how private are they? "It's None of Your Business" describes these matters and more in great detail. This is not boring reading, however, since the author has a definite sense of humor, which makes this book hard to put down! I give "It's None of Your Business" a definite "two thumbs up!" ... Read more

Book Description

The 10 Minute Guide to Beating Debt is your first step to achieving financial security. Each easy-to-understand 10 minute lesson is full of strategies to help you spend less, save more, and reduce your credit card bills. This book is the complete guide to getting, using, and managing debt wisely even if you're a credit card junkie.

10 minutes is all you need to learn how to:

• Create a reasonable budget that you'll be able to follow
• Find credit cards with lower fees and no fees
• Review your outstanding loans and see whether you can speed up repayments
• Manage your own credit problems or determine whether you should consult a professional for help
• Re-establish credit after you have paid off all your debts.

Reviews (1)

Very practical, bite sized,realistic actions to help NOW
It's not all in 10 minutes, but many 10 minute excersises you can use to begin controlling your personal debt at once. Very helpfull for my wife and I to work together within these guidlines. Easy to understand ... Read more

Reviews (1)

Credit cards, insurance, taxes, and so much more
Collaboratively written by author/editor Cheryl Kimball and certified financial planner Faye Kathryn Doria, The Everything Get Out Of Debt Book is a straightforward, eminently practical, do-it-yourself, "user friendly" guide to dealing with debt and specifically designed for readers of all skill and experience levels when dealing with money matters. From how to obtain and read one's credit report, to assessing one's earning power, to determining when credit counseling services are needed (and how to spot the crooked ones), coping with joint debt, filing for bankruptcy, home equity, the advantages and drawbacks to credit cards, insurance, taxes, and so much more, The Everything Get Out Of Debt Book is a first-rate and highly recommended resource -- especially for the non-specialist general reader unfamiliar with the complexities of America's financial system. ... Read more

Book Description

In this sequel to his best-selling book, Credit Secrets, Hammond describes the deceptive web spun by the powerful credit bureau syndicate. He tells how to get a copy of your credit report, interpret it and then force the bureaus to wipe the slate clean. Get back on solid financial ground for good. ... Read more

Reviews (1)

Useless waste of time.
A rambling advertisement for the authors other books. Provides very little information that any educated consumer dosn't already know. ... Read more

Book Description

The explosive growth of consumer credit, as well as the shift from cash to "plastic" in societies throughout the world signals a transformation in social relations, which is the focus of this book. For student readers who know the world of credit cards all too well, this is a great way to interest and educate them on the power of thinking sociologically. ... Read more

Reviews (1)

Hi
This accurately describes the 'behind the scenes' nonsense that is going on when creditors bug you. The bottom line in most cases is - all talk, no action. I cant even take those creditor clowns seriously after reading the book.

The book itself is great. Unfortunately its written in the "college analysis" style which makes for difficult reading. Keep a dictionary close by. It goes into all the probability formulas and whatnot. However there is good info for the layman in here. I doubt there is any other book out there with as much info on creditor collections. The title says it all. ... Read more

Book Description

The newly revised Third Edition of Repair Your Own Credit can guide you out of the credit war and away from the unethical credit repair services.The truth behind these services is that they take tens of thousands of dollars every day from unsuspecting consumers already on the verge of bankruptcy, and they can't do anything to repair your credit that you can't do yourself.

Bob Hammond's Repair Your Own Credit reveals the unethical and illegal secrets of the credit repair industry from an insider's point of view and the measures you need to take to repair you credit yourself.Some topics included are:
- The importance of good credit.
- The cast of characters within the credit game.
- Tips on re-establishing and repairing your credit.
- The low-down on credit repair companies.
- What's included in your credit report and how to obtain it.
- Where to get help. ... Read more

Reviews (5)

Disappointing! I have seen better.
As a person who knows the credit repair industry traits & practices, I am sorry to inform you this book falls short of helping any reader wanting to repair their own credit. I usally like to read 2 books a year on credit repair. I do this so I can check out the advice and knowledge of others in the credit industry. If you're looking for a book to assist you in repairing your credit,LOOK ELSEWHERE! This book gives the reader very basic information, this is information the reader probably already knows or that could be obtained from the federal trades commission or any of the 3 credit reporting agencies for FREE. I really got a good laugh when I saw chapter 5 "The Importance of Good Credit". I said to myself, "Why waste a chapter on this subject?" Anyone buying this book, or for that matter any book on the subject credit repair, is well aware of the importance of good credit!

Let's move to chapter 7 titled "Repairing Your Credit Step-by-Step". This chapter only has 12 pages.The first 7 pages are how to repair your credit and the next 5 pages are sample dispute letters. I'm sorry but this chapter should be the meat and potatoes of the book not "THE STRING BEAN". Another disappointment was chapter 9 titled "Lending Scams". This chapter has 11 pages on this subject: "WHO CARES"! This book is suppose to be about "CREDIT REPAIR". I think this book had good intentions, but just couldn't put it together. It had alot of usless information scattered throughout the book.

I feel anyone looking to repair their credit will not gain the knowledge or confidence to complete their goals with this book. The only positive thing about this book is that it is easy to read. My advice to anyone looking to repair their credit is LOOK ELSEWHERE!

I would just like to add, I just completed reading a book by BILL KELLY,JR."THE COMPLETE GUIDE TO CREDIT REPAIR". Now this was a great book! I will be writing a review on this great book soon. STAY TUNED!

Lacks useful information.
I recieved more useful information from a pamplet my bank sent to me than from this book. This book rambles on about how good credit affects you and why it's important to have good credit. The useful information is simply repeating what most people already know - That you can write your credit agency, and for a fee get a copy of your report, and you can write them a letter disputing what's in your report. It does not give any real depth to help you straiten out your credit.

Easy to read, eye opening for the uninitiated, not a how to.
This book is very good for people that do not work in the fields of credit/accounting/banking, etc. Much of what it had to say I already knew, but I guess I can therefore say I agree with it. It tells you why YOU should repair your own credit and not pay someone else to do it. It tells you WHY you should do it. It gives a good bibliography.... but it does NOT tell you HOW to do it. That's really what I was looking for. I liked it well enough to buy his other book, Life After Debt, which is advertised as a how-to. I'll get back to you.

Great Book! Mr. Hammond's Techniques have helped us.
Recently my wife discovered negative entries in her credit report. She sent letters and documentation, but it was of no help. The entries remained. I bought Mr. Hammond's guide as a last resort. I followed his advice, and to our surprise, my wife's negative entries have been deleted. Mr. Hammond's techniques have cleared the way for us to get our first home.

An easy to read and effective guide to repairing your credit
Mr. Hammond's guide has helped me remove several bad entries in my credit reports. I have advised a few of my friends of his techniques, and they too have had success in removing negative entries in their credit reports. I never realized how easily my credit could be ruined, or repaired. I highly recommend this book! ... Read more

Book Description

Crippled by skyrocketing debt and hounded by bill collectors? Facing eviction or foreclosing? Climb out of debt! Reduce and eliminate your mountain of bills, restore your credit, and protect your assets from creditors-even the IRS ... Read more

Reviews (1)

An easy-to-understand instructional guide and reference
Get Out Of Debt by experienced bankruptcy attorney Henri Valbon is a comprehensive and "user friendly" guide written expressly for non-specialist general readers in need of coping with, reducing, and eliminating financial debt. From what to do in case of eviction or auto repossession, to handling oneself under scrutiny from the IRS, to declaring bankruptcy, to rebuilding credit Get Out Of Debt is very strongly recommended as a practical, useful, easy-to-understand instructional guide and reference. ... Read more

Book Description

This digital document is an article from Business Credit, published by National Association of Credit Management on March 1, 2003. The length of the article is 2915 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

Citation Details
Title: Credit scoring basics. (Feature Article).
Author: Albert Fensterstock
Publication: Business Credit (Magazine/Journal)
Date: March 1, 2003
Publisher: National Association of Credit Management
Volume: 105Issue: 3Page: 10(5)

Distributed by Thomson Gale ... Read more

Book Description

Reviews (4)

Useful, easy read but didn't apply to me
I love Mary Hunt's Debt Proof Your Marriage. So I thought this would be great too. However, I already know how to make crafty things and create gift baskets. I know how to shop day-after sales. My Christmas ornaments have been slowly collected. Many issues she deals with seem to be those who regularly go out and buy total house decorations every year--I don't. I expected better suggestions than shop all year, make homemade gifts, etc. I did really enjoy the chapter where she suggests funding sources for your Christmas fund. She had great ideas I never dreamed of--that made the book worth it to me. It's a good book that was useful but just disappointing in some areas.

Another good book from Mary!!
Get this book!!! I've already started rereading this book in preparation for the upcoming holidays. Since money's going to be tight this year, I've already gotten ideas from this book and started getting things ready. If you ever thought Christmas was too commercialized and want to downsize, read this book!!! It's done wonders for my attitude - and my budget, for that matter.

Easy to read, easy to apply....
Mary Hunt, editor and publisher of The Cheapskate Monthly newsletter, has taken up the challenge of helping her readers find ways to celebrate the holidays without facing the New Year strapped with unnecessary consumer-related debt. Hunt takes her readers through a step-by-step plan for a debt-free holiday season. By examining personal values and attitudes, she enables us to identify what we really want from the holidays. In her own words, she wants to help us celebrate "Christmas by choice, not by chance." Included are numerous practical ideas for saving money at the holidays on everything from food to gifts to family fun to decorations. Whether you're just looking for further frugal ideas for the upcoming holiday season, or you're truly dreading another after-holidays debt hang-over, "Debt-Proof Your Holidays" will be beneficial to read. So put away your credit card and prepare to have the happiest holiday ever!

Fabulous!
A delightful and practical resource. After reading this little gem straight through in one evening I am so motivated and inspired to change the way I've always "done" Christmas in the past--with a stack of credit cards. This book is packed with hundreds of reasonable and do-able alternatives to creating holiday debt. What a gift! ... Read more

Book Description

Envision a world without poverty or economic oppression-a place where humankind can attain its potential amidst the weightlessness of true freedom. Imagine the United States, and the rest of the world, without hunger or homelessness where educated societies enjoy all the fruits of their labor. In such a society it would not be necessary to hand over your hard-earned dollars to the government in payment of ever-increasing taxes. Such a vision is no doubt utopian, but Jacques Jaikaran introduces us to a radical economic reorganization of what is now a debt culture and proposes a monetary revolution the results of which would virtually eliminate debt as we know it.

Debt Virus deals with the anatomy and physiology of money, the lifeblood of commerce and industry and hence the economy. Jaikaran points out a monetary error at the root of our cyclical economic problems and prescribes a cure that promises to benefit all mankind. ... Read more

Reviews (8)

Monetary revolutionary or nutball?
He makes some interesting points. And then repeats them over and over and over. He also gives no suggestion for implementing his solution, other than everyone with a loan suing the bank for loaning them illegitimate money. I believe he is currently incarcerated in a federal prison for tax fraud (claimed Texas was not really a state and therefore didn't have to file tax returns).

Debt Virus, a short synopsis
This book is written at a high school level but it is more
informative than most college textbooks on the subject
of money and banking...

The problem:

Every dollar in existence represents a dollar of debt owed by an
individual, a business firm, or a governmental unit. Few
understand that all our money arises out of debt and IOU
operations.

When a storekeeper secures a $10,000 loan from the bank, there is
no transfer of funds. The bank simply makes a bookkeeping entry
that increases the storekeeper's checking account by $10,000. By
doing so, the bank has just created new money. In addition, the
bank expects the storekeeper to repay the loan with interest on
the money it created by the bookkeeping entry.

In an all-debt or debt-dominant money system it is mathematically
and physically impossible to repay the aggregate debt, for only
money representing the principal is ever created. The interest
that must be repaid along with the principal debt is never
created. For some people to repay their principal and interest,
their interest must come from the principal created for other
people's debt. A deficit in the aggregate money supply thus
occurs making it impossible for other debtors to repay their
principal, much less principal and interest. Given such a money
system, it is only a matter of time before all the wealth of the
productive sector of society is transferred into the hands of the
money creators.

The solution:

Debt-free money, in the form of "US Notes."

The dollar bills in your pocket are called Federal Reserve Notes.
Under the present system, the US Treasury acts as a "print shop"
for the Federal Reserve. The Treasury only prints money when
asked to do so by the Federal Reserve System. Its order to print
money does not come from the President or Congress.

When the government wants money, it has only two choices, it can
either tax American citizens and businesses, or it must borrow the
money from somewhere. When the government borrows money from the
Federal Reserve, it issues an IOU (a bond) to the Fed, which then
creates checkbook money by means of a bookkeeping entry. This
newly created money is then lent to the government, at a price,
known as interest. In order to pay the interest on this national
debt, the government either collects taxes, or borrows more money.

The author proposes that Congress is legally entitled to order the
US Treasury to print US notes. He goes on to suggest that the
Treasury should be the only authorized source of money in the
United States, and it ought to answer to the government. In this
way, money would be created by government but no interest would be
owed. This in turn would eliminate the need for an income tax.

My thoughts:

The author's solution is similar to what Abraham Lincoln tried to
do when he issued "greenbacks" to fund the civil war.

Although the author's presentation of the problem is excellent, I
have misgivings about his solution. Once the government is given
the right to print fiat money, the potential for abuse would be
enormous. For instance, a left-wing government might decide to go
on a spending spree and propose all sorts of public works projects,
from socialized medicine to government ownership of entire
industries.

Unless equal attention is given to making sure that the power of
government to intrude into the lives of citizens and businesses
(both public and private) is limited, the author's solution might
just put us on the fast track to socialism, and we could end
up with the very tyranny we seek to prevent. In my opinion,
debt-free money issued by the government should only be attempted
if, and only if, constitutional safeguards ensuring limited
government are in place.

Ironically, socialism is precisely what the "money power" wants.
Since they control the government through indebtedness, they would
like the government to assume even greater control over the economy
and the lives of ordinary citizens.

Unfortunately, there are no easy answers. In the final analysis,
our social problems are not so much political or economic, as they
are spiritual:

'If my people, which are called by my name, shall humble themselves,
and pray, and seek my face, and turn from their wicked ways; then
will I hear from heaven, and will forgive their sin, and will heal
their land.'

II Chronicles 7:14

Wealth, Virtual Wealth and Debt
Frederick Soddy wrote a book in the 1920's with the same title as my review. Dr. Soddy was writing about the monetary system in England and he reached the same conclusions as Dr. Jaikaran. Dr. Soddy also won the Nobel Prize in Physics for work involving the discovery of Isotopes. Dr Soddy was clearly a very bright man, but after reading his book I must tell you he was obviously better with numbers and physics than he was with the English language.

Jacques Jaikaran, on the other hand, can write. Dr. Jaikaran and Dr. Soddy reached identical conclusions about money and the way it works in our society, but after reading "Debt Virus" you'll have a clearer, more understandable picture than you will after wading through "Wealth, Virtual Wealth and Debt."

This is an important book that anyone who earns, saves, invests or uses "money" (obviously I mean everyone) ought to read.

I interviewed Dr. Jaikaran for a radio show I once hosted and have heard him speak back in 1995. He taught me more about money than I had previously learned in four years as an undergraduate, three years in law school and twenty five years of business. And, he did so in an engaging, easy to understand manner.

Dr. Jaikaran (he's a medical doctor by the way) learned about money, after becoming a successful surgeon, when he was invited to join a bank board. Being a responsible person, he actually read the materials he was given by the bank, the FDIC, the Comptroller of the Currency and the Federal Reserve. Then after he resigned from the bank board and after the bank later failed, he translated all of that into English you and I can understand.

Dr. Jaikaran has made a compelling case that our civilization is piling up too much debt, causing debt inflation and creating dangerous monetary conditions. He also provides intriguing information about who owns the Federal Reserve (it's not who you think), how banking really works, the history of money, where our money comes, what banking systems might offer safer alternative systems from and other important facts. By the way, he's not a "gold bug" arguing for a return to the gold standard.

But, does any of this really matter to regular people like us? Well, if you paid attention to current events over the past five years, you will have noticed a series of currency crises in Thiland, Russia and Argentina. Those people we watched on television mobing banks, trying to get their money out of Argentina while it was still worth something and worried about the economic survival of their families, could easily have been you and me. Their system is basically the same as ours.

Dr. Jaikaran is a very bright, forthright and opinionated man with strong views on a variety of subjects. You may disagree with him about somethings, I do; however, I've not been able to find fault with his facts, logic or conclusions when it comes to money and debt.

If Dr. Jaikaran and Frederick Soddy are right about money and debt, and I think they are, then our monetary system is in grave danger.

I feel strongly enough about this that I've given this book to at least half a dozen people and suggested it to dozens of others. I would have given more away if I could find people willing to think about money, fractional reserve banking and debt.

Incredible Reading
This is one of the most thought- provoking and scary books I have ever read. Clearly solutions must be found to the incredible build up of world debt to avoid world crisis. Dr. Jaikaran has a solution that sounds plausible and I recommend that everyone tell those in power about this book. You will not be able to put it down!

Never Read It
I met Dr Jaikaran on a plane from Houston to Atlanta. Among other things, he claimed that no single doctor has ever helped a person, and the medical professionn was a business. This enraged the passenger in front of us, who eventually refused to speak to us.

Dr Jaikaran also claimed that life expectancy dropped dramatically 3,500 years ago, at the same time of Noah's flood, where God told Noah that we could start eating animals(before that, according to OT wisdom, men we vegetarians, and had a life expentancy of 1000 years). He also tried to convince the very nice woman sitting next to me that the medical profession was worthless, although she was about to begin her residency program in Atlanta. ... Read more

Book Description

When companies need fuel to grow, bonds may be the way to go. Traditional blue-chip firms and dot-com startups alike can use debt strategically as a key financial instrument. The critical challenge, however, is integrating corporate debt into core business strategies and established financial policies. This practical book provides practitioners in every industry with a comprehensive, prudent approach to managing corporate debt obligations. Written by leading experts in the field and drawing from case studies of real companies, Debt Management walks financial professionals through the entire decision-making process--from designing debt issues to retiring debt through bond redemptions and bond repurchases, all to meet corporate financial objectives. Unique in its presentation of the issuer's perspective--that is, it looks at debt from the company's viewpoint, and not just the buyer's or underwriter's--this work will be theindustry reference on debt management and the corporate financier's desktop consultant for years to come. With insights into how factors such as bond valuation methodologies, derivatives, and tax and regulatory restrictions affect the process, the authors provide practitioners in both the U.S. and international debt markets with the information and tools needed to make smart debt-management decisions. With first-rate thinking in finance, while keeping the complex mathematics to a minimum, this volume will prove as handy as it is indispensable--the essential reference for planning, implementing, and managing corporate debt with discretion and confidence. ... Read more

Book Description

The Impact of Public Policy on Consumer Credit presents a collection of research papers and discussions commissioned to commemorate the silver anniversary of Georgetown University's Credit Research Center in 1999.Nine topics serve as focal points for the volume, with the general theme `What do we know, what do we need to know?' about the functioning of consumer credit markets at the beginning of the 21st century.Because the growth of household debt and the consequences of household debt burden have dominated discussion in both the media and policy arenas for decades, `Credit Growth and the Burden of Debt' is the theme for the first group of three papers.The papers address the cultural evolution of consumer credit in the U.S., the rise in consumer indebtedness and the alarming surge in personal bankruptcies.A second grouping of three papers takes a distinctly policy-oriented tack and examines questions regarding consumer access to credit (mortgage markets and evidence of discrimination), consumer protection through mandatory disclosure of information (Truth-in-Lending regulations), and the general state of financial literacy among the population of young consumers entering credit markets for the first time. The final three papers in this volume examine how technological innovations in risk management (through statistical risk scoring models), marketing (through use of personal information for targeted marketing) and finance (through securitization of consumer loans) have impacted the availability of credit products and sparked new public policy questions. ... Read more

Book Description

In this easy-to-use book, readers will learn that not all debt is bad debt and figure out which debt to keep, which debt to get rid of, and how to get rid of it easily. New chapters for the 2nd edition feature current information on:

€ The new bankruptcy laws
€ Cleaning up credit reports
€ Handling college loans
€ How to deal with predatory lending practices
... Read more

Reviews (1)

The Complete Idiot's Guide to Beating Debt
Excellent book! Very easy-to-read. I was clueless as to
how the world of credit actually worked. After reading
this book I felt a sense of relief and came away with
a sense of confidence in my knowledge about credit,
credit repair, credit scores, financial tips and much more.
If your cluesless like I was, this is a definite must read. ... Read more

Book Description

Are you living from paycheck to paycheck?Are your credit cards maxed out?Are your debts crushing the joy from your life?

You may be like many other people who live on 110 percent of their income.Like them, you may be trapped in a cycle of chronic indebtedness.

This Real Solutions book offers you a realistic, accessible, non-threatening approach to getting out of debt.You will learn: how to take control of your spending, how to assess the seriousness of your indebtedness, how to avoid unnecessary expenses, how to spend less for essentials, and how to break bad credit habits. ... Read more