Download or read book The Charles Schwab Guide to Finances After Fifty written by Carrie Schwab-Pomerantz and published by Crown Currency. This book was released on 2014-04-01 with total page 434 pages. Available in PDF, EPUB and Kindle. Book excerpt: Here at last are the hard-to-find answers to the dizzying array of financial questions plaguing those who are age fifty and older. The financial world is more complex than ever, and people are struggling to make sense of it all. If you’re like most people moving into the phase of life where protecting—as well as growing-- assets is paramount, you’re faced with a number of financial puzzles. Maybe you’re struggling to get your kids through college without drawing down your life’s savings. Perhaps you sense your nest egg is at risk and want to move into safer investments. Maybe you’re contemplating downsizing to a smaller home, but aren’t sure of the financial implications. Possibly, medical expenses have become a bigger drain than you expected and you need help assessing options. Perhaps you’ll shortly be eligible for social security but want to optimize when and how to take it. Whatever your specific financial issue, one thing is certain—your range of choices is vast. As the financial world becomes increasingly complex, what you need is deeply researched advice from professionals whose credentials are impeccable and who prize clarity and straightforwardness over financial mumbo-jumbo. Carrie Schwab-Pomerantz and the Schwab team have been helping clients tackle their toughest money issues for decades. Through Carrie’s popular “Ask Carrie” columns, her leadership of the Charles Schwab Foundation, and her work across party lines through two White House administrations and with the President’s Advisory Council on Financial Capability, she has become one of America’s most trusted sources for financial advice. Here, Carrie will not only answer all the questions that keep you up at night, she’ll provide answers to many questions you haven’t considered but should.

Download or read book Less Debt More Cash written by Avis Pohl and published by Alpha Computer. This book was released on 2001 with total page 244 pages. Available in PDF, EPUB and Kindle. Book excerpt: Women of all ages and incomes face the challenge of debt. "The Everywoman's Guide to Less Debt, More Cash" is a bottom-line book on reducing debt and building assets. Its position is that you don't need to wait until your debts are paid off before beginning to invest and build net worth. The author explains how to reduce your debt and includes a chapter on financially successful women, explaining what they have done with their money to achieve their success.

Download or read book Debt Free Blueprint written by Laura D. Adams and published by Laura D. Adams. This book was released on 2018-11-16 with total page 147 pages. Available in PDF, EPUB and Kindle. Book excerpt: Tired of feeling stressed about growing debt balances, out-of-control finances, and an uncertain future? Don’t try to get out of debt without this book! Debt-Free Blueprint: How to Get Out of Debt and Build a Financial Life You Love is an easy-to-follow guide to eliminate debt faster than you ever thought possible and create the financial future you deserve. Laura D. Adams is the award-winning author of Money Girl's Smart Moves to Grow Rich and host of the top-rated Money Girl podcast since 2008. She's helped millions of loyal fans grow rich with her savvy and down-to-earth financial advice. She gives guidance in bite-size chunks that are easy to understand and implement so you can eliminate debt faster than you ever thought possible. Let Laura show you how to take control of your finances, stop worrying about money, and build a life you truly love. Debt-Free Blueprint walks you through the process of getting out of debt, using helpful examples and often-overlooked techniques, strategies, and programs. You’ll learn how to make financial decisions with confidence and financially feel secure about your future. In this book, you’ll discover how to: • Get out of debt faster, even if you don’t have extra money • Bridge the gap between your current reality and where you want to be • Create a simple but effective debt reduction plan to guide your life • Prioritize and tackle debt in the right order • Settle and negotiate a debt for less than you owe • Optimize debt so it costs less and allows you to pay it off sooner • Find government programs that make debts more affordable • Manage student loans more effectively so they fit into your budget • Reduce money stress so you achieve more and build a financial life you love If you like detailed tips, helpful examples, concise strategies, and inspiration from a friendly and nonjudgmental teacher, you’ll love learning from Laura. Purchase Debt-Free Blueprint to get out of debt faster so you can quit worrying and start building the financial future you've dreamed about and deserve!

Download or read book Breaking Free From Broke written by George Kamel and published by Ramsey Press. This book was released on 2024-01-16 with total page 259 pages. Available in PDF, EPUB and Kindle. Book excerpt: America has become the land of the free and the home of the broke. Household debt is at an all-time high, and every day people—just like you—are feeling more cynical and hopeless about their financial futures. It’s time to stop believing countless lies from a system designed to take your money—lies like student loans are the golden ticket to a good-paying job, car payments are just part of life, and that you need to have a credit card. Ramsey Personality and personal finance expert George Kamel shares his story of going from a negative net worth to a millionaire in under 10 years by following Dave Ramsey’s Baby Steps. George’s delivery, highlighted by his snarky sense of humor, will keep you laughing and engaged from cover to cover (no put-you-to-sleep financial advice here). Through a millennial point of view, George exposes the toxic money system designed to keep you average (and broke) and offers solutions to help you break free from: Credit cards and credit scores Student and car loans Mortgage mistakes Investing traps Marketing and consumerism No matter where you’re starting from, you’ll learn that you have the power to buck the toxic money system and build wealth if you follow the same principles George used to become a millionaire.

Download or read book The White Coat Investor written by James M. Dahle and published by White Coat Investor LLC the. This book was released on 2014-01 with total page 160 pages. Available in PDF, EPUB and Kindle. Book excerpt: Written by a practicing emergency physician, The White Coat Investor is a high-yield manual that specifically deals with the financial issues facing medical students, residents, physicians, dentists, and similar high-income professionals. Doctors are highly-educated and extensively trained at making difficult diagnoses and performing life saving procedures. However, they receive little to no training in business, personal finance, investing, insurance, taxes, estate planning, and asset protection. This book fills in the gaps and will teach you to use your high income to escape from your student loans, provide for your family, build wealth, and stop getting ripped off by unscrupulous financial professionals. Straight talk and clear explanations allow the book to be easily digested by a novice to the subject matter yet the book also contains advanced concepts specific to physicians you won't find in other financial books. This book will teach you how to: Graduate from medical school with as little debt as possible Escape from student loans within two to five years of residency graduation Purchase the right types and amounts of insurance Decide when to buy a house and how much to spend on it Learn to invest in a sensible, low-cost and effective manner with or without the assistance of an advisor Avoid investments which are designed to be sold, not bought Select advisors who give great service and advice at a fair price Become a millionaire within five to ten years of residency graduation Use a "Backdoor Roth IRA" and "Stealth IRA" to boost your retirement funds and decrease your taxes Protect your hard-won assets from professional and personal lawsuits Avoid estate taxes, avoid probate, and ensure your children and your money go where you want when you die Minimize your tax burden, keeping more of your hard-earned money Decide between an employee job and an independent contractor job Choose between sole proprietorship, Limited Liability Company, S Corporation, and C Corporation Take a look at the first pages of the book by clicking on the Look Inside feature Praise For The White Coat Investor "Much of my financial planning practice is helping doctors to correct mistakes that reading this book would have avoided in the first place." - Allan S. Roth, MBA, CPA, CFP(R), Author of How a Second Grader Beats Wall Street "Jim Dahle has done a lot of thinking about the peculiar financial problems facing physicians, and you, lucky reader, are about to reap the bounty of both his experience and his research." - William J. Bernstein, MD, Author of The Investor's Manifesto and seven other investing books "This book should be in every career counselor's office and delivered with every medical degree." - Rick Van Ness, Author of Common Sense Investing "The White Coat Investor provides an expert consult for your finances. I now feel confident I can be a millionaire at 40 without feeling like a jerk." - Joe Jones, DO "Jim Dahle has done for physician financial illiteracy what penicillin did for neurosyphilis." - Dennis Bethel, MD "An excellent practical personal finance guide for physicians in training and in practice from a non biased source we can actually trust." - Greg E Wilde, M.D Scroll up, click the buy button, and get started today!

Download or read book Get Out of Debt written by Peter Legrove and published by Independently Published. This book was released on 2020-12-08 with total page 38 pages. Available in PDF, EPUB and Kindle. Book excerpt: Debt is a part of our life now, so give up "Keeping Up With The Jones" because that mentality is just going to keep you in debt. Debt has slowly crept into our lives and it has got to the point where it controls what we do. And sometimes we suddenly find that it controls us. Before debt was usually manageable but as expenses have increased and pay-checks haven't, debt can sometimes seem like a big heavy block holding us back. As taxes and secondary tax are taking more away and giving less back, problems are starting to arise. Also every new regulation introduced by our unelected and elected officials just so they can keep their jobs puts the price up. And that includes added expenses like fixing your car and doing home repairs, as well as everything you buy. Now we live in an over regulated society where our quality of life has decreased as our debt levels have increased. So the new regulations have increased our cost of living but done very little for our safety and happiness. At the moment the most expensive expenses are rent and gas for your car as well as electricity, internet and food. So at the end of the week you have nothing left so it is time to bring out the credit card and that is fatal. The bottomless pit just got deeper.Now this might sound really dumb but the easiest way to control debt is not to take on too much debt at the beginning. And that is very difficult because the bank says you can get this much for a mortgage and our mentality is to try and get the largest mortgage you are allowed. 'Change Your Way Of Thinking.' Do Not Buy A House You Cannot Afford. There is a very big difference between what the bank says you can afford and what you can afford so don't listen to the bank. Buy the cheapest house you can find in a reasonable part of town and live there. It might not be as good as living in the best part of town and the schools will not be as good and the crime rate will be worse, but then again your debt levels will not be too high.At the moment if you already have a mortgage and are having problems with debt start selling off your excess stuff on your local auction site. Just to de-clutter and to give you an idea of the prices available when you want to buy more stuff again. And if the house prices in your country are very high think about selling. Now don't do what everybody else does and that is buy another house. I would go back to renting and leave what money you have left over after paying off your mortgage, in the bank until the house prices drop substantially. And they will, they always do and bank managers and real estate agents will say they don't. I had a real estate agent tell me that selling your house to go back renting was not a good idea as rents were very high and a lot of rental properties were going off the market. What she said was true but your endgame is to buy a house after the prices come down. That is why you need to de-clutter so you have less material things to carry around.When getting out of debt there are only a few things you have to do. The first one is DO NOT take on any new debt, so that means you have to live within your means. In other words you need to change your shopping habits. We do not have set items to buy, we only buy what is on special and what has been marked down. That means we only buy meat that has been reduced as it has been sitting in the chiller too long. I try and buy meat that has been reduced twice that way it is closer to half price.Now the other thing you need to do is Make More Money and there are chapters in this book that show you how to do just that, you just have to try out and find what is a good fit for you.

Download or read book Saving on a Shoestring written by Barbara O'Neill, PH.D., CFP and published by Berkley. This book was released on 1996-12 with total page 356 pages. Available in PDF, EPUB and Kindle. Book excerpt: Including checklists and fill-in worksheets, this book features 60 ways to cut expenses, 50 ways to reduce taxes, 30 debt danger signals, 25 ways to increase savings, real estate and retirement information, 35 common financial mistakes to avoid, and much more.

Download or read book Pragmatic Capitalism written by Cullen Roche and published by Macmillan. This book was released on 2014-07-08 with total page 252 pages. Available in PDF, EPUB and Kindle. Book excerpt: An insightful and original look at why understanding macroeconomics is essential for all investors

Download or read book Surviving Debt written by and published by . This book was released on 2024 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Give Yourself a Raise How to Have written by Gordon Bennett and published by . This book was released on 2010-04 with total page 250 pages. Available in PDF, EPUB and Kindle. Book excerpt: Give Yourself a Raise is a complete how to guide for having more money to reduce your stress and create financial freedom. It shows you a truly simple system for controlling your financial life without complicated budgets that rarely work anyway. You will learn how to: [Bring financial harmony into your life and end family conflicts about money. [Stop wasting money by controlling impulse spending. [Practice spending strategies that will stretch your income. [Use the Financial Money Management System to manage your finances. [Get out of debt and stay out of debt forever [Set and achieve your financial and lifetime goals. [Understand what it takes to get higher paying jobs and prepare for them. [Use the incredible power and ease of on-line and electronic banking to control and simplify your finances. Financial Freedom means a richer, happier and healthier life and the guidelines in this book will show you how to achieve it. Chapter One is a 6-question Financial Freedom Risk Assessment that can benefit anyone who wants to know quickly how their financial profile stacks up. Chapters in Part 1 are illustrated with easy-to-use forms and cover: Collecting a history of your spending patterns Setting goals Forecasting your cash flow Implementing the Freedom Money Management System[ Getting out of debt & staying out of debt Budgeting for emergencies Bennett includes spending strategies to eliminate wasted money including a unique technique for controlling impulse spending, a frequent budget-busting culprit. Part 2 offers introductory essays on the elements of basic financial literacy: Understanding risk Credit & debit cards Investing fundamentals Insurance Government programs Final chapters reveal the secrets of why anyone makes a lot of money so you, too, can work toward greater success and the financial rewards that go with that success.

Download or read book Stop Living Paycheck to Paycheck The Rainy Day Guide to Saving Cash Drowning Debt and Creating More Financial Freedom How I Saved 100k in 12 Month written by Michelle Kulp and published by . This book was released on 2020-03-31 with total page 136 pages. Available in PDF, EPUB and Kindle. Book excerpt: In Stop Living Paycheck-to-Paycheck, 6-Figure Income Earner and online business owner, Michelle Kulp, shares her journey of how she went from Zero in Savings to $100K in 12 months, erased all her debt and increased her credit score 300 points. She gives you the exact blue print to do the same.

Download or read book Best Debt Elimination Plan written by Keith Dorney and published by Keith Dorney Books. This book was released on 2021-07-18 with total page 86 pages. Available in PDF, EPUB and Kindle. Book excerpt: Best Debt Elimination Plan I challenge you to embrace and implement the "best" debt elimination plan. By best I mean a plan that gets you out of debt faster than any other, and in the interim does it for the least amount of money. Be warned, however, that embracing and implementing the best debt elimination plan is the easy part. The difficultly lies in changing your spending and savings habits so you can live on what's left over. Those habits are more than likely what got you into debt in the first place. An expense gathering device that tracks all the different ways you spend money will help. So will identifying key financial tasks, like reconciling and scheduling payments. Make these and other critical money tasks lifelong monthly habits. Debt Elimination Percentage From this day forward, take your debt elimination percentage right off the top of each paycheck and apply it to your debt elimination plan. The trick is to set your percentage at a level that will get you out of debt in months, not years, yet still leave enough to allow for at least some level of comfort. Mess with your debt elimination percentage until you get it right. Once you commit to it, you must defend your percentage at all costs! Making Payments Did you know with most bills there is no benefit to paying early? Learn how to suck all the utility out of your cash flow by paying bills on the due date. The one big exception is when eliminating credit card debt. Credit Card Payments should be made as early as possible, regardless of the due date. This strategy saves you big time money and gets you out of credit card debt faster than you ever thought possible. I'll share lots of insider information on debt elimination, saving, and spending that a lot of folks don't want you to know. They'd rather keep you in debt and make more money for themselves. Don't let them keep you down. Eliminate Your Debt Quickly During your debt elimination period, it's a good idea to try and up your debt elimination percentage as high as possible. Be even more thrifty and frugal. Ask for a raise or get a second job. It might be worth the temporary hardship. Remember, besides putting you on the road to wealth building that much sooner, the faster you get out of debt the more money you'll save. Thinking about buying a new car or securing a mortgage? Be sure to read the Automobile Trap and Bi-Monthly Mortgage chapters before you shop. Also, consider your individual situation when deciding what to do with any Old Debt. As you can probably tell, I'm looking to shake up your financial house a bit. That means potentially changing lifelong habits and overcoming societal pressures. That's why I'll dial up not only the information you need in easy-to-understand language with lots of examples, but also bring enthusiasm and emotional support. Trust me, it's well worth the effort. Eliminating your unwanted debt can be a life changing event. Life After Debt Take a moment and imagine the day you finally eliminate all your unwanted debt. Go on, close your eyes, and try to imagine how you'll feel at that moment. Dream about restoring some of that restricted spending you endured during your debt elimination period, but how are you going to spend the rest of it? Get excited at the prospect of you eliminating all your unwanted debt. Get even more excited about your Life After Debt. You'll have the opportunity to leverage those new-found saving and spending skills into something spectacular! When saved and invested properly, money can do that. Start your own debt elimination plan right now. Scroll to the top of the page and click on the "Buy" button.

Download or read book Debt Free Degree written by Anthony ONeal and published by Ramsey Press. This book was released on 2019-10-07 with total page 224 pages. Available in PDF, EPUB and Kindle. Book excerpt: Every parent wants the best for their child. That’s why they send them to college! But most parents struggle to pay for school and end up turning to student loans. That’s why the majority of graduates walk away with $35,000 in student loan debt and no clue what that debt will really cost them.1 Student loan debt doesn’t open doors for young adults—it closes them. They postpone getting married and starting a family. That debt even takes away their freedom to pursue their dreams. But there is a different way. Going to college without student loans is possible! In Debt-Free Degree, Anthony ONeal teaches parents how to get their child through school without debt, even if they haven’t saved for it. He also shows parents: *How to prepare their child for college *Which classes to take in high school *How and when to take the ACT and SAT *The right way to do college visits *How to choose a major A college education is supposed to prepare a graduate for their future, not rob them of their paycheck and freedom for decades. Debt-Free Degree shows parents how to pay cash for college and set their child up to succeed for life.

Download or read book 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.

Download or read book Debt Free Forever written by Gail Vaz-Oxlade and published by The Experiment. This book was released on 2010-04-15 with total page 318 pages. Available in PDF, EPUB and Kindle. Book excerpt: Free yourself from maxed-out cards, mounting interest, and constant money stress with this “entertaining and easy to read” guide (Windsor Star). If you’re afraid to open your bills, if you’ve never added up how much you owe, if you can’t even imagine being debt-free—it’s time to join the thousands of people Gail Vaz-Oxlade has helped. Her straightforward approach to money management is based on self-control, hard work, and prioritizing what’s really important. Debt-Free Forever is Gail’s step-by-step guide, and she’ll show you how to: figure out how much you’ve actually been spendingcalculate how much you owe—and what it’s costing youbuild a budget that worksmaximize your debt repayments so you can be free of consumer debt in three years or lessprepare for a rainy day so it doesn’t cause a major setbackset goals for your new, debt-free life Make no mistake: Getting out of debt isn’t easy. But in Debt-Free Forever, Gail gives you a clear strategy and the steps needed to implement it. So if you’re finished with excuses, overdue notices, and maxed-out credit cards, follow the plan—and start becoming debt-free forever.

Download or read book Money Management Financial Budgeting 2 Books In 1 A Beginners Guide On Managing Bad Credit Debt Savings And Personal Finance written by Robert Anderson and published by Robert Anderson. This book was released on 2019-12-13 with total page 192 pages. Available in PDF, EPUB and Kindle. Book excerpt: Money Management Turn Bad Credit Into Good Credit: It seems that everywhere you turn, someone wants to know your credit score. It doesn't matter if this is you or someone from your bank. Many landlords will even run a potential renter's credit as this will usually give them insight as to whether the person will pay their rent. The landlords will also have guidelines to use in order to tell you if you are approved or not approved based on your credit score. While some may allow you to have a cosigner if you are not approved, they will also want to run your co-signer's credit report.This is often frustrating to many people, especially when you are trying to repair your credit. It can make you feel that you are never given a break or that your identity is now your bad credit.It doesn't have to be this way. In fact, the more you learn about the details of what bad credit is and how there are federal laws to help you overcome bad credit, the faster you will find yourself in financial freedom.Your credit score is vital to your life. It is something that helps you to enjoy life as you have added access to financial services and various investments. You must understand how your score can directly influence what you can purchase so that you can enjoy your life.The problems you have with your credit score can be very dramatic and you might not be fully aware of what affects your credit score or how valuable it is to you.Those people who pay off their debts and lines of credit with on-time payments will be more likely to have better credit ratings. There are many things relating to your credit score that should be explored that go well beyond just your payment history.Financial Budgeting: Everyone has an opportunity to grow their money and get out of debt, but you must start to make this a reality. Be warned, though, when your income starts to grow, it is easy to fall into temptation and start spending more than you are earning again.Refrain and continue saving and investing your money.Every small step counts. Every coin kept and invested counts. If you use the profit you make, you will be unable to grow your wealth. Instead, allow your investment to grow by using the profits as part of the next years principal. With time, you will have a venture that can not only buy you whatever you want but one that will continue to grow over the years.Taking advice from experts in the field you wish to invest is critical to your investment. Would you go to a farmer when you are sick, or would you seek out a doctor? The same way, take your investment knowledge from those who understand the market dynamics and can offer you advice to help grow your investment.Manage your credit cards with responsibility, or they will sink you into a hole. The easiest way to get into debt is to spend more than you earn. You need to keep your expenses lower than your income at all times. Watch your credit card spending because that's how we often find ourselves overspending.To get out of debt is to pay. The longer it takes you to pay, the higher the interest rate you will be required to pay. Either consolidate your debt or tackle one debt at a time. You might want to reduce your expenses, so you have more money to spread around. Always start by saving 10% of your income. A safety net is essential for your peace of mind.Budgeting does not have to be complicated. The more you simplify it, the better. As long as you track your expenses and stick to your budget, it will work for you. Ensure that you don't view it as a task but as a necessary tool to help you stay ahead, get a real financial picture, and manage your money correctly.

Download or read book All Your Worth written by Elizabeth Warren and published by Simon and Schuster. This book was released on 2006-01-09 with total page 304 pages. Available in PDF, EPUB and Kindle. Book excerpt: The bestselling mother/daughter coauthors of "The Two-Income Trap" now pen an essential guide to the five simple keys to lasting financial peace.