Books
- Consumer Loans & Credit Cards: An Easy-To-Use Guide to Credit and Loans
- Complete Credit Book
- Getting Approved: Making the American Credit System Work for You
- The Credit Referee
- Y2K Computer Crash Scenario : What To Expect And How To Protect Your Assets, Your Credit, And Your Way Of Life
- The Credit Union: Its Position in the Consumer Financial Marketplace
- Consumer Credit & Sales Legal Practice Series
- Credit Approved
- Federal Regulation of Consumer Credit
- Getting and Keeping Credit: Your Guide to Credit Cards and Credit Records (Practical Law Series)
- Living Financially Free
- Real Solutions for Getting Out of Debt (Real Solutions Series)
- The Complete Guide to Credit Repair for the Homebuyer
- Credit Improvement Handbook
- The Road To Financial Success
- Social Work and Debt Problems
- Credit - Get It! How to Get the Credit You Deserve, Handle Debt Wisely and Build a Secure Financial Future: How to Get the Credit You Deserve, Handle Debt Wisely, and Build a Secure Financial Future
- How to Erase Bad Credit
- Truth in Lending (Consumer Credit and Sales Practice Series)
- Women's Guide to Credit Fitness
- Problems and Materials on Consumer Law
- Encyclopedia of Film Directors in the United States of America and Europe: Comedy Films to 1991
- Repossessions and Foreclosures (Consumer Credit and Sales Legal Practices Series.)
- How to Turn Bad Credit into an A-1 Rating
- Consumer Credit (United Kingdom comparative law series)
Average customer rating:
- Excellent book for beginners
- An Excellent Guide for Retail Banking Marketers Entering Lending Business
- Good primer for analysts looking for more domain knowledge
- Best in its Class
- A Comprehensive Guide
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Managing a Consumer Lending Business
David Lawrence , and Arlene Solomon
Manufacturer: Solomon Lawrence Partners
ProductGroup: Book
Binding: Paperback
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Similar Items:
- Credit Scoring For Risk Managers: The Handbook For Lenders
- Credit Risk Scorecards: Developing and Implementing Intelligent Credit Scoring (Wiley and SAS Business Series)
- Subprime Consumer Lending (Frank J. Fabozzi Series)
- Credit Scoring & Its Applications (Monographs on Mathematical Modeling and Computation)
- The Art of Better Retail Banking: Supportable Predictions on the Future of Retail Banking
ASIN: 0971753709 |
Book Description
"Managing a Consumer Lending Business" summarizes the lore and the knowledge of the business as the new century begins. It covers many subjects a good manager should know: the importance of how to attract enough good accounts to offset the inevitable bad accounts that every lender will get, controlling line sizes, encouraging use by good customers/discouraging or controlling the bad customers, managing profitability with predictability, if he or she is to effectively run a high-volume consumer business.
Customer Reviews:
Excellent book for beginners.......2006-12-10
To people who are entering the profession of consumer lending, this is an excellent primer. It gives a 360 degree view of the business from acquisition and management of accounts to collections, recoveries and profitability analysis. While it doesn't cover any one topic in great depth, it is an ideal book for people starting off in this exciting business. I wish David Lawrence would write many more books. He has the art of explaining concepts in a clear manner. I really enjoyed this book.
An Excellent Guide for Retail Banking Marketers Entering Lending Business.......2006-10-22
In market place, there are few books that are easy to understand but comprehensive to cover all respective area of consumer lending business. I have to say, this is one of the few. In the past, I acquired the personal lending knowledge from some credit scoring books with difficult math and serious multi-variable statistics. This title is not only easy even for marketing or sales persons to understand the basic concept but also good for new credit analysts or college/graduate students who just joined the business to have a whole concept. Strongly recommend this title to those who are in the marketing or business planning roles in retail lending business. It could help bridge the knowledge gap about the lending business and create some common langague with other functions, especially credit and collection. However, for those in credit function, this title is good for overall understanding but not detailed or comprehensive enough for risk management.
Good primer for analysts looking for more domain knowledge.......2006-09-06
Managing a Consumer Lending Business by David Lawrence and Arlene Solomon is a good primer I recommend for the readers of S4SAS.com and analysts working in the areas of consumer lending in general.
This book covers the fundamental principles of lending along with the practices at various product life cycles. While conducting SAS training, I observed that lot analysts do not know why managers look for some information and why they insist on certain format the information to be presented. After reading this book, the reader will have a background to understand the business requirements better and will be familiar with necessary lending related terminologies.
I found the following topics covered in the book useful for an analyst.
1. Overview to the consumer lending process and products.
2. Acquisition and direct mailing - segmentation, prescreen processes and practices.
3. The use of credit scoring, score monitoring and reporting process.
4. Portfolio Management and utilization of behavioral scores, strategy tracking.
5. Collection strategies and tactics
6. Private label credit cards and retail sales (dealer) financing.
8. Importance of Management Information systems.
Best in its Class.......2004-01-20
Managing a Consumer Lending Business is an excellent primer covering both fundamental practices and principles for safe and sound lending. This book covers the basics well and should be required reading for management trainees and those new to consumer lending. This 2002-published book is superior to older, now-obsolete books on consumer lending, and is spiced with anecdotes, quotes and references to mistakes that made headlines. The chapter on recessions is germaine and usually neglected by other books. The only criticisms are minor: a few too many references to the authors' consulting practice, and it would be improved by a chapter or two on securitization and the gain-on-sale practices.
A Comprehensive Guide.......2003-10-25
This book is very well written. It is about managing a healthy consumer lending business by using systematic ways to plan, acquire, and maintain a portfolio and by emphasizing quantitative tools to measure its performance and manage risks. I like this book also because it provides careful accounts about the history of this industry.
This book is an excellent reference for serious practitioners. Portfolio managers and financial analysts can acquire important concepts for managing their businesses. You might even be able to start your own consumer lending business by following the steps introduced in the book. Meanwhile, this is an attractive book for consumers to equip with extensive knowledge to deal with credit card issuers, collection companies and to take care of their mortgages and automobile loans, etc.
Average customer rating:
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Credit Portfolio Management
Charles Smithson
Manufacturer: Wiley
ProductGroup: Book
Binding: Hardcover
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Similar Items:
- Managing Bank Risk: An Introduction to Broad-Base Credit Engineering
- The Standard & Poor's Guide to Measuring and Managing Credit Risk
- An Introduction to Credit Risk Modeling (Chapman & Hall/Crc Financial Mathematics Series)
- Active Credit Portfolio Management: A Practical Guide to Credit Risk Management Strategies
- Economic Capital Allocation with Basel II: Cost, Benefit and Implementation Procedures
ASIN: 0471324159 |
Book Description
A cutting-edge text on credit portfolio management
Credit risk. A number of market factors are causing revolutionary changes in the way it is measured and managed at financial institutions. Charles Smithson, author of the bestselling Managing Financial Risk, introduces a portfolio management approach to credit in his latest book. Understanding how to manage the inherent risks of this market has become increasingly important over the years. Credit Portfolio Management provides readers with a complete understanding of the alternative approaches to credit risk measurement and portfolio management. This definitive guide discusses the pricing and managing of credit risks associated with a variety of off-balance-sheet products such as credit default swaps, total return swaps, first-to-default baskets, and credit spread options; as well as on-balance-sheet customized structured products such as credit-linked notes, repackage notes, and synthetic collateralized debt obligations (CDOs). Filled with expert insight and advice, this book is a must-read for all credit professionals.
Charles W. Smithson, PhD (New York, NY), is the Managing Partner of Rutter Associates and Executive Director of the International Association of Credit Portfolio Managers (IACPM). He is the author of five books, including The Handbook of Financial Engineering and Managing Financial Risk (now in its Third Edition).
Average customer rating:
- Great for everyone from home buyer/sellers to investors
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Tips and Traps When Negotiating Real Estate (Tips and Traps)
Robert Irwin
Manufacturer: McGraw-Hill
ProductGroup: Book
Binding: Paperback
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Similar Items:
- The Common-Sense Guide to Successful Real Estate Negotiation: How Buyers, Sellers and Brokers Can Get Their Share--And More--At the Bargaining Table
- Real Estate Dealmaking: A Property Investor's Guide to Negotiating
- Essential Guide to Real Estate Contracts (Complete Book of Real Estate Contracts)
- How to Find Hidden Real Estate Bargains 2/e
- Tips & Traps for Making Money in Real Estate
ASIN: 0070327475 |
Customer Reviews:
Great for everyone from home buyer/sellers to investors.......2003-02-20
This book has some great ideas and techniques on how to negotiate real estate and make the deals go smoothly and profitably for you. Allows you know how and when to be aggressive and when other stances would be more effective. A great book for anyone interested in real estate or planning to buy or sell a home.
Average customer rating:
- Deja Vu
- This is the one to buy
- GREAT BOOK!
- Grateful reader
- All You Need to Know!
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The Reverse Mortgage Advantage: The Tax-Free, House Rich Way to Retire Wealthy!
Warren Boroson
Manufacturer: McGraw-Hill
ProductGroup: Book
Binding: Paperback
General
| Popular Economics
| Business & Investing
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Mortgages
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Similar Items:
- Reverse Mortgages For Dummies
- The New Reverse Mortgage Formula: How to Convert Home Equity into Tax-Free Income
- Reverse Mortgage Essentials
- The Reverse Mortgage Handbook: A Consumer's Guide for Senior Homeowners
- Reverse Mortgages
ASIN: 0071470727 |
Book Description
Financial Freedom You Can Only Get When You Hit 62!
Whether you're exploring a reverse mortgage to finance a home improvement, pay off a current mortgage, pay for health care expenses, or generate monthly income to improve quality of living, you're one of the thousands of Americans age 62 and older who are turning to this lucrative way to build income.
Simply put, with reverse mortgages you no longer pay the bank, the bank pays you. In The Reverse Mortgage Advantage, renowned real estate expert Warren Boroson presents a thorough examination of the ins and outs of this intriguing investment method. Boroson dispels any myths and puts crystal-clear focus on the pros and cons of reverse mortgages.
With real-life case studies and practical examples, The Reverse Mortgage Advantage shows you how to:
- Transform a “house-rich, cash-poor” situation into tax-free equity
- Choose between a lump sum, a line of credit, a monthly income, or a combination
- Find a reputable HUD-approved reverse mortgage counselor in your area
- Minimize setup fees and related charges
Customer Reviews:
Deja Vu.......2006-10-01
I read Reverse Mortgages For Dummies a few months ago and, as an avid comparison shopper, wanted to make sure I had gotten the best book out there. When I picked up The Reverse Mortgage Advantage I had a sense of deja vu ... this is so much like the dummies book I thought it must have been written by the same author. It's not that this isn't a good book ... it's just that I already read it in the form of the dummies book. For a few bucks less and a more originality, I'll stick with the dummies version.
This is the one to buy.......2006-08-11
This is a great little book -- it not only offers solid information, but it does so by way of easy-to-understand illustrations recounted with good humor. I gave the book to my parents, who are considering a reverse mortgage, and they said it helped them to understand their options far better than the consultant to whom they'd been talking and the seminar through which they'd attempted to stay awake.
GREAT BOOK!.......2006-07-13
I didn't know anything about reverse mortgages so I bought this book. I am thrilled with it! The author explains everything in such a simple manner that you can easily understand everything you need to know to make an informed decision. You will not be disappointed in his book!
Grateful reader.......2006-07-09
This book helped my husband and me decide to get a reverse mortgage. We had been arguing back and forth -- I said yes, he said no. But the book discusses the pros and cons very clearly. We both fog up when it comes to reading about money -- but this was clear. And fun to read, too, not like most books about money. It helped change his mind -- and helped our sons and daughter see that this is a good idea for us.
I'm 65, he's 72. We're both retired and, as the book says, house-rich and cash poor. A reverse mortgage will help us pay some outstanding bills and maybe have some outstanding fun, like some of the people profiled.
Getting Older in Boulder
All You Need to Know!.......2006-06-30
I just bought this book because my husband and I are thinking of using a reverse mortgage. Everything was clear, concise and well layed out. We didn't need a lot of books to understand the subject. This one gave us everything.
Average customer rating:
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How to Buy a Home With No or Poor Credit
Thomas K. Masters
Manufacturer: Wiley
ProductGroup: Book
Binding: Paperback
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Similar Items:
- No Credit Required (Revised Edition): How to Buy a House When You Don't Qualify for a Mortgage
- How to Buy a House with No (or Little) Money Down, 3rd Edition
- How to Buy a Home When You Can't Afford It
- How To Get All The Credit You Want And Erase Your Bad Credit Record: And Erase Your Bad Credit Record
- How to Invest in Real Estate With Little or No Money Down
ASIN: 0471119962 |
Book Description
Own your own home-regardless of your credit rating
You can be a homeowner—even if your credit is nothing to brag about or virtually non-existent. This practical, fact-filled guide shows how to achieve your goal of home ownership with your current credit. Mortgage loan officer Thomas K. Masters teaches you the basics of home buying, from alternative mortgage programs to financing tips that will help you avoid the red tape of many home loans. Clear, concise, and free of technical jargon, this accessible, straightforward reference is filled with real-life examples. Here's where you can find essential information on:
- "Qualifying ratios" set by the federal lending authorities
- Assumable financing, wraparound financing, quitclaim deeds with refinance options, lease options, and quick qualifying loans
- What to look for in a lender
- Ways to qualify for low-down and no-down payment home loans
- Understanding loan applications and forms
- How to clean up your credit profile
Average customer rating:
- A great resource with tons of tips and suggestions.
- Great book on important subject
- I recommend this book to anyone who owns a home
- Excellent book. Highly recommend it.
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Retire On the House: Using Real Estate To Secure Your Retirement
Gillette Edmunds , and James Keene
Manufacturer: Wiley
ProductGroup: Book
Binding: Paperback
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Similar Items:
- How to Retire Early and Live Well With Less Than a Million Dollars
- The Reverse Mortgage Advantage: The Tax-Free, House Rich Way to Retire Wealthy!
- The New Reverse Mortgage Formula: How to Convert Home Equity into Tax-Free Income
- Reverse Mortgages For Dummies
- Work Less, Live More: The New Way to Retire Early
ASIN: 047173893X |
Book Description
Use your home to finance your retirement
Forgot to save for retirement, but bought a house? Saved a lot and also bought a house? Whatever your situation, Retire on the House can show you how to best use your home equity for a long and prosperous retirement.
Focusing on both retirement and real estate, Retire on the House is designed for retiree homeowners who want to use their home equity to finance their retirement. Filled with valuable insights and practical advice, this unique guide illustrates a number of ways this can be done, including:
- Selling your current home at the top of the market, moving to a less expensive residence, and retiring on your profits
- Obtaining rental income from your current home by renting to boarders
- Remodeling your home into units for much higher rental income
- Three options for obtaining cash from your home without selling, remodeling, or renting it
- Reducing or eliminating retirement expenses such as taxes
- Balancing your real estate portfolio by diversifying with other asset classes
Many of today's homes have tremendous value, and with Retire on the House as your guide, you'll discover how to use this value to achieve the retirement you deserve.
Customer Reviews:
A great resource with tons of tips and suggestions........2005-12-18
I love this book because it is well-written and market savvy, but it doesn't talk over my head. The suggestions for how best to utilize my real estate equity are clear and forthright. The predictions for new up and coming areas to purchase in are so helpful(and worth the purchase of the book alone.) Also, the various strategies for planning for retirement make this book an absolute must-have for anyone who owns or dreams of owning a home. I highly recommend this book. As far as financial books go, this gets my highest rating!
Great book on important subject.......2005-12-16
If you or anyone you know has questions about real estate and the investment aspects of it - particularly as they get older then this is the book. After reading it, I decided to give copies of it for Christmas to my parents and my inlaws.
It does a great job of laying out the options homeowners have of using their single family residence as an investment. The real life examples of using home equity with a variety of reverse mortgages, interfamily loans and home equity lines of credit were very useful. It helped clarify a dizzying array of options available to me and others as a homeowner who may one day need to use my home equity to assist in retirement. I found this book to be incredibly thorough, well-researched and well written.
I highly recommend it to anyone with a meaningful amount of home equity and to those who advise investors on home investment options.
I recommend this book to anyone who owns a home.......2005-12-14
This is the first book I have seen that clearly describes the many ways one can use home equity as a source of retirement income. With Social Security diminishing in importance, shrinking corporate pension plans, and a volatile stock market, using one's home as an investment can be the cornerstone of a comfortable retirement for many Americans. The authors provide very practical ways for using home equity to enhance retirement, including: renting, selling high and moving to other "value" areas, private annuity trusts, interfamily loans, and sales and reverse mortgages. I like that the authors have invested successfully in residential real estate themselves and that they have advised clients on many of the strategies described in the book. This book is a winner with timeless strategies and loads of advice.
Excellent book. Highly recommend it........2005-11-22
This is a great book. Well written and well thought out. I highly recommend it without any reservation, whatsoever.
Average customer rating:
- GREAT guide for a first-time buyer
- Good first book on buying a home
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How to Buy Your First Home
Diana Brodman Summers
Manufacturer: Sphinx Publishing
ProductGroup: Book
Binding: Paperback
Buying & Selling Homes
| Real Estate
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Similar Items:
- Home Buying For Dummies, 3rd edition
- 100 Questions Every First-Time Home Buyer Should Ask: With Answers from Top Brokers from Around the Country (100 Questions Every First-Time Home Buyer Should Ask)
- 10 Steps to Home Ownership: A Workbook for First-Time Buyers
- The First-Time Homeowner's Handbook: A Complete Guide and Workbook for the First-Time Home Buyer (Book & CD-ROM)
- Buying Solo: The Single Woman's Guide to Buying a First Home
ASIN: 1572483288 |
Book Description
Making the right decisions about buying a first home can help you save money and worry. This easy-to-understand guide written by a real estate attorney walks the reader through the entire home buying process-from deciding what you can afford, to types of special financing for first-time buyers, to the actual closing on your dream home. This book can help any anxious first-time buyer become a confident homeowner!
The title includes sections on valuable government financing information available for first-time buyers; helpful checklists and charts for evaluating properties; as well as a complete glossary of terms that will relieve some of the anxiety that new home buyers have. Appendices include Internet resources and questions to ask when selecting a real estate agent and when identifying a mortgage lender.
Customer Reviews:
GREAT guide for a first-time buyer.......2006-07-31
My roommate works at the library and brought me home a dozen different books on how to go about buying your first home and what you would need to know (including the dummy/idiot books which I normally love). After taking a look at this one, I sent all the other ones back and ordered it from amazon because it is by far the easiest, most comprehensive, and overall helpful guide for a first-time buyer. It answers all questions and can just be used as a good reference. It's questions and answer format makes the book very easy to pick-up and less daunting-- some of the books seems like a giant boring novel!! I even gave this book as a gift to a friend considering buying a place of his own.
Good first book on buying a home.......2005-02-26
This is a basic book on home buying intended for the first time buyer. It's' fairly brief, only about 130 pages (minus the appendices), so it's a quick read. If you're a second time buyer it would probably be too basic for you, but I was looking for a quick primer before starting to read more technical books on investing in real estate.
It covers the essentials of mortgages, the bidding and negotiation process, working with agents and inspectors, the major government agencies that participate in the mortgage market, such as HUD, VA, Fannie Mae and Freddie Mac, and so on. Although you don't need to understand it to purchase a house, the secondary market is briefly discussed so you'll know what that is when you hear real estate professionals mention the term.
Most of the information is quite practical, such as how to deal with real estate agents (don't let them act like mothers-in-law and let them decide what's best for you in the way of a house, no matter how well-meaning their intentions), and inspectors (don't insist on being present during the inspection, it'll just distract them).
After the chapters devoted to the mechanics of buying the house, there's a chapter basically on "What now?" After the happy glow of buying your first house wears off, you'll now have to face the reality of doing the required maintenance and repairs, keeping up the lawn and landscaping, making sure you save enough to pay taxes, and so on. There are even useful hints on how to conserve energy and how much you can save by having old furnaces and air conditioners replaced, and the author says hers paid for itself in about 18 months, although the initial cost was daunting (about $2500). But it was worth it over the long run.
Finally, there's a chapter on foreclosure and what to do if you find yourself in that situation. There's help available in that many cities or state government agencies can help with either grants, money or advice. The book also has a glossary, and two appendices of useful worksheets such as comparing house features and mortgage lenders, a HUD-1 worksheet, and a VA guaranteed loan application form.
The book is clearly and concisely written and should give anyone a basic understanding of the home buying process. After this I went on to reading more advanced books on investing in real estate and it was useful for getting the basic knowledge quickly and easily.
Average customer rating:
- 20 Years, $1,000 a month, 12% interest, yields $999,999
- Not Too Bad
- Worth the price, and more
- ONLY COMMON SENSE
- inspiring
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Debt No More: How to Get Totally Out of Debt Including Your Mortgage
Carolyn J. White
Manufacturer: Clifton House Pubsg, LLC
ProductGroup: Book
Binding: Paperback
Public Finance
| Economics
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Budgeting & Money Management
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ASIN: 0966165152 |
Book Description
The first complete personal money management guide dedicated solely to debt elimination.
• Contains the financial forms necessary to take the reader's life back from creditors.
Customer Reviews:
20 Years, $1,000 a month, 12% interest, yields $999,999.......2007-06-19
"You can pay off your debts and your mortgage in 5-10 years." During the next five to ten years, you will need to stop spending and make the decision to have "No more debt". Emotionally ignite yourself and believe you can be debt free. You will need to get each member of the family to believe in the vision of debt free and help encourage them to accomplish this goal by rewarding them to stop wasting money and buying at a discount. Be a contratrian moving against the trend, "the more we make, the more we spend" and transform it too "the more we make, the more we invest." 9% of the population will retire with an income of 50k. Make it a goal to own your car and home. Typically, once your income stops, you have 90 days before the bank wants to foreclose. Suppose a home cost 165k for the initial purchase and the borrower of the loan makes 17 years of payments totalling 165k then loses his job and is forced into bankruptcy and foreclosure proceedings. The bank ignores the fact that the borrower has made 165k worth of payments, eliminates most of the equity in the home by offering "auction prices", takes possession of the home, and resells it for a profit. The bank wins through the monthly interest/principal payments and the resell and financing of the home to a new borrower. The author lost her home worth $1.4 million, 14,000 sq ft, and received $5k. She became angry and decided too become debt free.
What is the bottom line? Suppose 45 years of income with a total income of $2,250,000, Less Total Taxes Paid of $1,187,685, Less Mortgage and Interest $315,929, Less Automobile costs - $615,929, leaves $416,386 of money for your family. After 45 years of work you have $416,386 left less other expenses, such as, medical & dental, insurance, food and clothing, utilities, furniture, gifts, and vacation/entertainment, school and college, investment for retirement, child car, and repair on home & auto. Most people retire with less than 100k.
Break the chain of debt: 1. Get rid of credit card debt. For each dollar paid it will cost $4 to repay and 20 years. CC debt and medical emergencies are the number one destroyer of middle class wealth and stablity. 2. Don't buy new. Offer $500 above dealer trade in value for a car. Let friends and relatives know you will be interested in buying their car when they are ready to trade up. Automobile leasing is a cash drain and only makes sense for businesses which can take a tax credit. 3. Insure for 5-7 times your income. The rule of thumb for Insurance is "raise your deductibles" according to risk. 4. Make future payments on your mortgage. Here is where I disagree. Invest your money and then payoff your mortgage with the investments in one swoop. Let the money work for you outside the banking system. 5. Eliminate unnecessary spending and invest the money. Be a predator on spending waste. 6. Increase your income: 1. get a second job 2. create a business, turn your hobby into a money making venture. 3. sell cars, have yard sells, liquidate excessive items 4. reduce eating out and costly recreation/entertainment. 5. Stop impulsive spending - Stay away from bargain sales and marketing media. 6. Put a chart on your refrigator that tracks all the spending. Implement an family open books policy that shows where all the expenses when. Let family members provide feedback and ideas to improve the financial health of the family. Let family member critique the expense ledgers. Make the decision of overcome the spending temptation. 7. Become a thrift spender: buy older cars, clip coupons, attend auctions, look for things at yard sales, buy wholesale, join discount buying organizations, shop at consignment shops, buy only at end-of-season, and buy discount travel.
Other resources: Money Harmony: Resolving Money conflicts in Your Life; Overcoming Overspending, A winning plan for spenders; The money Drunk; 1001 ways to cut your expenses; Great buys for People over 50; Penny Pinching: How to Lower your Everyday Expenses without Lower your Standard of Living; The underground shopper; The Wholesale-by-Mail Catalog; Wholesale Guide to Buying Furniture.
"If it's going to be, its up to me". "The choice is yours!"
Not Too Bad.......2004-01-18
This book isn't too bad. It doesn't cover anything revolutionary, but it does a good job of covering some of the basics of getting out of debt. It's an easy read and goes fairly quick. If you want to read it I'd suggest picking it up at the library rather than buying it. One pitfall it does have is that the author could have left her anti-government and political propaganda out of it, that was a bit annoying.
Worth the price, and more.......2000-04-02
Contrary to the preceding opinion from Alabama, this book is a good buy. It tells how to get rid of all your debt in the shortest possible timeframe, saving thousands, if not hundreds of thousands of dollars. It even gives a few examples of ways to decrease expenses so that you can use the difference to accelerate repayment of your debts. Following the advice in the book, I expect to be completely out of debt (over $140k, including the mortgage) within 5 years and expect to retire (comfortably) at least seven years earlier than I had anticipated. (P.S. -- I don't make six figures and have a young child.)
The only thing I would change is that the author tells you where to go to find the "best" credit cards. Is there really such a thing? Getting another credit card will, over time, put far too many people back to square one. If you keep in mind that if you can't buy something for cash, that means you can't afford it -- this book can take you the rest of the way.
If you think this book is useless you're probably looking for an easy way out of debt (expecting an inheritance?).
ONLY COMMON SENSE.......2000-02-22
THIS BOOK COVERS MATERIAL ALREADY KNOWN TO ALL READERS OVER THE AGE OF 16. DOES NOT FORMULATE OR DISCUSS ANY PRATICAL PLAN FOR DEBT REDUCTION
inspiring.......1999-09-28
I have read many books about getting out of debt. Most of them have approx the same theories. I gathered two valuable pieces of information from this book. The first one was about how to go about paying off the mortgage and the second was how to prioritize your credit card bills to pay off. Inspiring!
Average customer rating:
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Money On Loan From God
Stephen, R Bolt
Manufacturer: Faith Financial Planners, Inc.
ProductGroup: Book
Binding: Paperback
Financial Planning
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Money & Values
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ASIN: 0972218319 |
Book Description
"Stephen Bolt hits a homerun with this book. His premise is basic and indisputable -- all that we have belongs to God and we are only stewards. In a practical approach to investing, Stephen helps Christians learn how to manage their fiscal resources in a way that not only reflects Christian values but also bears witness that Christian moral principles are essential to any civilized society. This is a critical resource for the person who wants to be sure his investments are not supporting abortion, pornography, the gay agenda or other unbiblical values." - Tim Wildmon, President, American Family Association
Customer Reviews:
Great book great value.......2006-07-19
This book does not seem so interesting and attractive. But again you cant judge a book by its cover. I'd say, if you really care about your money and financial, and want to do right investment, this book will answer all your questions, even it gives you so much information you never thought before. At the price below $15.00 this book is so much worth it.
Average customer rating:
- Every family needs this book
- For the Green with the Green only
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Free Yourself from Student Loan Debt: Get Out from Under Once and for All
Brian OConnell
Manufacturer: Kaplan Business
ProductGroup: Book
Binding: Paperback
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Similar Items:
- Take Control of Your Student Loan Debt
- Bankrupt Your Student Loans: and Other Discharge Strategies
- The Guerrilla Guide to Mastering Student Loan Debt: Everything You Should Know About Negotiating the Right Loan for You, Paying it Off, Protecting Your Financial Future
- Zero Debt for College Grads: From Student Loans to Financial Freedom
- Surviving Your Student Loans
ASIN: 0793187958
Release Date: 2004-05-01 |
Book Description
The average American college student owes about $17,000 in loans after graduation. Quadruple that amount for the average grad school graduate. An estimated seven million Americans have accumulated nearly $81 billion in student loan debt over the past 30 years. Not all of these borrowers are fresh out of college; many are in their late 20s, 30s, and even 40s. Indeed, the amount of student loan debt facing Americans is pervasive, if not problematic.
Fortunately, a number of creative ways exist to pay off this financial burden that, for many, goes on for years and years. In Free Yourself from Student Loan Debt, business writer Brian O'Connell outlines the best ways to do just that-as quickly and painlessly as possible. He guides readers through often over-looked but perfectly legitimate loan management techniques, including how to:
* ""Consolidate"" loans for easier (and lower) payments.
* Defer loans with no penalty.
* Take a ""break"" from student loans through a mechanism called forbearance.
* Get out of default status by making as few as six minimum payments.
* Fix problems that result when a loan isn't paid, with no lasting impact on credit or finances.
* Convince financial institutions to ""forgive"" loans.
* Fight the government and financial institutions that claim student loan debts weren't paid years after they were.
With wit and wisdom, O'Connell backs up his guidance with case histories, anecdotes, information boxes, sidebars, and colorful industry profiles-all packaged together in one lively, user-friendly book. As a bonus, he offers 50 surefire tips to eliminating student loan debt.
Customer Reviews:
Every family needs this book.......2006-06-29
This is one of those marvelous books that schools should send home with kids so parents have a fighting chance to get their kids into a good school AND afford to keep them there. Easy to follow advice is there on every page. I recommend this to any family who has a kid coming of college age.
For the Green with the Green only.......2004-06-10
If you are unfamiliar with student loans and are not finance savvy then this book will help you. If you already have a student loan and know your way around this book doesn't have anything to offer. In one section it teaches you how to create a budget. That's fine for a kid fresh out of school but I am having trouble with an old student loan and this book had even LESS information than the student loan website !!!
Here is good advice... if your having trouble with your loan - call them they will help you, but dont waste the money for this book.
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