Book Description

So you finally make more than $20,000 a year and your student loans are paid off: What's next on the road to being smart with your money? In the follow-up to Debt-Free by 30, Jason Anthony tackles the financial questions and dilemmas for those over thirty. In a witty and light-hearted tone, Anthony addresses all of the financial and psychological aspects of the big decisions in life, from getting married and having children to buying a home and investing in the stock market. An entertaining guide to managing one's present finances, Financially Fearless by 40 offers advice on both your present situation and how to ensure a comfortable future. ... Read more

Book Description

Why are credit records important? How can a family determine its debt limit? How much should an individual spend on a home? Readers of this instructive guide will find answers to these questions as well as other valuable information on managing credit and breaking the cycle of debt. In simple language addressed to the individual consumer, David Scott explains
• how interest rates are calculated
• how to choose a credit card
• the various types of car loans
• what to consider when financing the purchase of a home
• how to negotiate with creditors ... Read more

Reviews (1)

Help when needed
This book provided help to a guy who really needed it.It is short and sweet with advice on how to make smart decisions on borrowing.The section on credit cards was especially good. I strongly recommend Scott's book that is a quick read.For $10 how can you go wrong? ... Read more

Book Description

Materials cover the regulation of voluntary disclosure and compulsory disclosure of information. Also provides insight to abuses at the formation of the contract. Contains material on ensuring access to the market and abuses during performance. Reviews summary claims and defenses followed by abusive collection practices and foreclosing on security. Includes information about the creditor going to court. Most of the cases have been replaced and notes rewritten. The overall organization of the first edition has been maintained, with its four-part division into Regulation of Information, Regulation of Conduct, Regulation of Prices, and Enforcement of all of the above. ... Read more

Book Description

Credit has virtually replaced cash in the American economy. Everything from home to clothing is acquired through some form of credit.The vast credit network affects everyone's income, purchasing power — and personal reputation.

Do you, as a consumer, know how to use this credit to your advantage?In It's Your Money, Adam Starchild tells you how you can make credit a tool, not a threat, and avoid the pitfalls into which so many fall.

In It's Your Money, he shares his expertise, in everyday language, to show you how to get the best credit buy for your money.

You will learn:

What you should know when shopping for a loan.
The advantages — and disadvantages — of credit cards.
How the "Truth in Lending" Act affects you.
What your rights are regarding your credit file.
How to learn what information is in your investigative file.
How you can be protected from incorrect billing.
How to decide whether to lease or buy.
How to apply for credit.
What government agencies will help you with a consumer credit problem.

Credit — not a "free gift" that generous institutions hand out, but a commodity that you buy.This book will help you make the wisest purchase. ... Read more

Book Description

In this short but powerful book of interlinked essays, noted cultural critic Vijay Prashad examines the contradictions of the American economy.

Prashad assesses a range of related issues: the oft-vaunted US economy, propped up by the rising debt of poor and middle-class workers; welfare policies that punish those attempting to escape the grip of debt and poverty; and a prison industry that regulates and houses the unemployed, as well as a reserve army of laborers.

In Keeping Up with the Dow Joneses, Prashad argues that the advent of mass production and advertising has converted citizens into consumers whose desires are captured by the phrase "keeping up with the Joneses."

Yet, as Prashad so persuasively demonstrates, keeping up with the Joneses is a trap: Americans have gone into massive consumer debt, with the poorest forty percent of the public borrowing money to compensate for stagnant incomes, not to spend on luxuries. Only the richest twenty percent borrow money to invest in stocks. Not surprisingly, in the last few years, income and wealth differentials have risen to record highs. By making crystal-clear connections between the economy, welfare reform and the profit-driven prison industrial complex, Prashad offers a vision for a sustainable and vital anti-imperialist movement.

is Associate Professor and Director of International Studies, Trinity College. He is the author of several books including Everybody Was Kung Fu Fighting: Afro-Asian Connections and the Myth of Cultural Purity, Fat Cats and Running Dogs and The Karma of Brown Folk. Each was included in the Village Voice's "25 Best Books of the Year" list.

Reviews (1)

Also Published Under a Different Name
This is THE same book as Financial Reality. If you have one, there's no sense in buying the other. Other than that, this is an excellent, easy to read book explaining how people find themselves in financial trouble and some common sense methods on what you can do about it, or if nothing can be done, how you can deal with the consequences. It could be sub-titled, "Things your parents should have taught you!" ... Read more

Reviews (1)

Couldn't of done it without this book
A couple of years ago, I decided it was time to move out of my parents house. Because I didn't plan on having a family of my own for some time, I decided that a condominium was the best choice for me. After about 5 months of searching and not coming up with everything I wanted for the price I was willing to pay, a friend gave me this book. After reading it, I knew what questions to ask to who(and what answers I needed to hear),how to research the people and situations I was dealing with, what to watch out for, and how to really find my dream condo. It made me realize that I wasn't only getting my own place, I was investing in my future! It took me almost a year, but I finally found what I was looking for AND paid MY price. The best part was that it was easy to read and understand,got to the point, and stayed interesting from the first page until the last. Anyone who is looking to invest in a condo NEEDS to read this book! ... Read more

Book Description

How to establish,maintain, repair, and protect credit--financial worksheets included!

From a credit expert, this guide explains how to use credit as a tool, safely and sensibly.It discusses the different types of credit, how to establish a credit history when you're just starting out, the Ten Commandments of Credit, how to deal with collection agencies and get out of debt, how to reestablish credit after a bankruptcy, and more.

"The only book you'll ever need about credit."--Paul Navestad, President and CEO, Financial Services Network-USA, Inc.

*The author founded Professional Credit Counselors in 1984, conducts seminars, is a popular talk-show guest, and has authored many books on credit

*Includes worksheets ... Read more

Reviews (4)

Getting out of debt, and repairing damaged credit
Credit management expert Deborah McNaughton shows the reader how to establish, maintain, repair and protect his or her credit in The Insider's Guide To Managing Your Credit. The first half of this superbly presented "how to" book is on establishing credit, including information on the various types of credit, qualifying for credit, dealing with credit denials and credit reporting agencies, the credit application process, and even the use of credit to make money. The second half of The Insider's Guide To Managing Your Credit focuses on dealing with credit problems, working with collection agencies, getting out of debt, and repairing damaged credit. The informative, "reader friendly" text is enhanced with a section on "The Most Frequently Asked Questions and Their Answers"; listings of "Federal Government Publications" and "Regional Offices of the Federal Trade Commission"; a glossary; and an Index. Highly recommended!

ON EQUAL GROUND
At last a book that can be used as a guide and tool to understanding the credit industry. Everybody has had unique situations that may have had an impact on their ability to keep their credit in good standing, but one thing is certain, the industry can not and will not distinguish between individual circumstances, if you missed a payment, end of story, you have a negative mark against your credit history. This book helped me gain an understanding of the credit terminology and assisted me in learning how to read and understand my credit report. You can't hide from your credit history and the mistakes you made in the past. So, learn "tricks" that will help remove negative marks on your credit report, learn that too many inquiries against your credit report can actually hurt your ability to obtain credit, or learn the differences between the credit agencies, plus a lot more. This book is a must for all people who have or will, try to obtain credit. Give yourself an advantage that few people have, learn your second identity, your credit history!

Very informative book!
This book has put me on the right track to repair my credit. It has taught me how to deal with my credit problems. There is a lot of helpful information about credit, information that everybody should know. I strongly recommend this book to anyone who is like me and could use some expert credit advice!

Not very helpful
This book is very general and doesnt give very much advice on how to actually repair your credit. It doesnt really cover the different types of credit problems that people have. ... Read more

Book Description

How to make sure your credit history, financial data, account information and other essentials are strong and safe! In 2001, the average North American consumer spent nearly $40,000 on credit cards. By 2005, this average person will carry over $50,000 in consumer debt - not counting mortgages or car loans! This unsecured consumer debt is fundamentally changing the way Americans live: * the tradition of a home owned free and clear has become unusual as people borrow against their homes and refinance repeatedly to pay for discretionary spending * financing vacations, electronics and dining out with multiple credit cards is commonplace At the same time, credit scores have become the golden keys to successful borrowing. But what does it all mean? How do you know you’re managing your credit wisely? In a credit-based economy, your credit score means as much to you as money in the bank meant to your grandparents --and here's how to protect it! ... Read more

Book Description

A comprehensive, step by step guide for everyone who wants to own money and lots of it!More importantly, it outlines clear, correct principles for full financial freedom.These tried and true principles can be converted into working reality by implementing the simple money management methods described in this dynamic paperback book. ... Read more

Reviews (7)

Self-Control, Not Self-Destuct
This book does an excellent job of reiterating the simple truth of getting past any obstacle. Instead of performing a high-wire act, this book recommends a safe and direct way to conquest. Specifically, the book tackles financial accumulation, but the underlying principles can be applied anywhere. Lacks the substance of a true financial guide, though. The book could use more explanation of real investment highways (eg What are mutal funds? How do they differ from other investments?). Nonetheless, it is highly recommmended for anyone looking to get back on their feet.

Focused, simple and hastle free
I first read this book in 1994, when I was deep in debt and wondering how to get out. This book gave me specific instructions on how to do that and to move on to financial freedom I enjoy now. It is simple, easy to read and gives you the plan to not only own money, but to own it without the worry that all the "other" investment schemes have built into them. I have since loaned it to my friends, with good reviews, and I periodically re-read it (one of the few books I have read more than once) to keep the focus. GET THE BOOK!

Keep It Simple Stupid
Dennis Deaton has foiled the lazy get-rich-quick seekers who want some clever and cynical way to "beat" the system. Deaton has the only way: utter simplicity: it's what you keep that counts. Companies could learn from this too! Deaton has given the simplest of lessons in the best and simplest way possible. His voice in the book is strong and clear, and he does not leave you wondering what to do. You know exactly what to do. If you want to own money instead of owe money, this is the book. This book will drive shallow people crazy. Which is why I like it.

Financial farce!
Sure, Deaton has the key to financial freedom: Write a nonsensical book in a preacher's tone and give it a provocative title. Unfortuantely, it is the unsuspecting financial novice who ends up on the short end of the deal. Any words of wisdom that Deaton has to share are lost in his sermon about the acquirement and accumulation. His quest to be funny feels more like an insult.

Pay yourself first and read Dennis Deaton's "Money".
Dennis Deaton's book "Money" taught me how to stay focused on all the reasons why I work for money. Run a tight ship, but, by all means buy this book. ... Read more

Book Description

Discover Lisa's little secrets of success that amount to great financial rewards.This unprecedented peek into the author's dynamic and personal journey from financial disaster to financial freedom, is filled with a wealth of savvy business smarts and financial wits.

This new and informative book details easy-to-implement financial strategies to benefit anyone, at any income level.It clearly and concisely explains how to manage your money so that it becomes a profit source.It shares with you a millionaire lifestyle that doesn't require you to be a millionaire.

In this profound and spirited book, Lisa shares how instant gratification and 15 credit cards created a great financial castastrophe for her.After spending years paying off each credit card, she decided to get control of her finances.Getting control of her finances resulted in her owning several businesses (including an elementary school), owning investment properties, becoming debt-free, being blessed with bank accounts, and possessing investment accounts.It proves that if you BE GOOD TO YOUR MONEY, YOUR MONEY WILL BE GOOD TO YOU! ... Read more

Reviews (1)

Simply Outstanding
I highly recommend this book to anyone. Especially people who feel they don't make enough money to live their dreams. This book shows you how it's not how much you make, but what you do with what you have. It is simplistic in its style which makes it perfect for one not knowing how to handle money. Giving you basic everyday principles to apply and think about. With great examples of how we take our money for granted and use it poorly and how not to. Covering setting goals, budgeting, purchasing cars, real estate, insurance, investment, traveling and more. ... Read more

Book Description

Expert advice and strategies for consumers about debtcollection, prioritzing debt, credit rights, bankruptcy, stoppingeviction or foreclosure, repossessions and more. ... Read more

Reviews (1)

Surviving Debt
It is a very good book, written in an easy language and up to date information. Provide numerous guidance for consumers and excellent source even for credit counseling institutions. All the informations eveloves around the hardship issues of debts, repossession, foreclosures, bankruptcy and student loans are related to problems most people have. Excellent book ... Read more