• ×

    The Teen's Ultimate Guide to Making Money When You Can't Get a Job: 199 Ideas for Earning Cash on Your Own Terms

    ISBN #: 9781601386113


    $15.95

    Whether it was in a department store, fast-food chain, or kiosk in the mall, everyone remembers his or her first job even more so, you probably remember that first paycheck. But with the current job crisis, it has become harder and harder to enjoy the fruits of your labor. The United States is still 11 million jobs from where it was since the start of the recession in December 2007, and it is hitting home the hardest with teenagers, who are seeing a national unemployment rate of 26.2 percent, according to the Center for Labor Market Studies at Northeastern University. Now more than ever, it has become necessary to think outside the box to reel in the dough. Making money is not about pinching pennies and cutting back on your cash flow: It is about making smart decisions.

    The Teen s Ultimate Guide to Making Money When You Can t Get a Job will put you on the right track to start earning your spending money, even if you cannot land one of those traditional first jobs. You will learn how to start exploring other options, such as pet sitting, babysitting, and tutoring. You will also grasp just how to leverage the Internet to help you make money by taking paid surveys, blogging, or even teaching your parents and their friends how to use social networks like Twitter and Facebook. Most importantly, you will discover how to take your hobbies and turn them into your personalized income generator. This book not only covers how to make that money, but it also teaches you how to save it and how to make it grow, presented specifically with teenagers in mind. You will learn which credit cards are the best when you are first starting out, as well as how to avoid the common credit-card traps so you do not get twisted up in high interest rates or long-term contracts. You will learn how to set (and stick to) a budget to help save for something you really want, whether it is for prom, a car, or your college education. You will discover how to avoid the bad habits that get you into financial trouble, in order to make sure you are using the money you made to the best of your ability.

    This book contains expert advice from financial advisers who have worked specifically with young adults and teenagers who have staved off a summer job to make money on their own, thus presenting you with real-life scenarios to inspire and instruct. If you have been hitting the pavement but are coming up short in the job department, all is not lost. With The Teen s Ultimate Guide to Making Money When You Can t Get a Job in your back pocket, you can start making money on your own without having to depend on your parent s finances.

    ×

    The Complete Personal Finance Handbook: Step-by-Step Instructions to Take Control of Your Financial Future - With Companion CD-ROM

    ISBN #: 9781601380470


    $15.95

    Personal financial planning is the process of establishing your own financial goals and creating a way to reach them. The ongoing process involves examining all existing resources, developing a plan to use them, and systematically implementing the plan to achieve your short- and long-term goals.

    They must be monitored and reviewed periodically to make adjustments to assure that they continue to move you toward your financial goals.  Your family's financial future depends in large part on decisions you make and steps you take today. Busy, successful people are often so involved with day-to-day personal and business responsibilities that they don't take the time to plan their own financial future. And unfortunately, financial security and sound investments rarely happen by chance.

    This new book, written in easy-to-understand terminology, will guide you on the way to financial security for you and your family. You will learn the personal financial basics of budgeting; insurance; marriage, single, and divorce financial solutions; health care possibilities; retirement planning and saving; wills and estate planning; managing and eliminating debt; solving your credit score and credit issues; and home ownership. You will avoid legal issues, obtain documents you need to have, deal with mortgages, taxes, and tax planning. You will invest your money using the latest strategies while responding to life events, starting a small business, getting college financial aid, avoiding debt and bankruptcy, and borrowing money. The new areas of concern are explained: elder issues and identity theft worries. The companion workbook on CD-ROM contains worksheets, charts, and quizzes to help you set financial goals, budget, find how to reach those goals, set retirement planning goals, and determine the best savings and investment strategies that fit your situation.

    DIY Book Festival Awards How-To Honorable Mention: The Complete Personal Finance Handbook: Step-by-Step Instructions to Take Control of Your Financial Future—With Companion CD-ROM by Teri B. Clark

×

How to Repair Your Credit Score Now: Simple No Cost Methods You Can Put to Use Today

ISBN #: 9780910627948


$14.95

Your credit score affects every aspect of your financial life including qualifying for loans and mortgages, low interest rates, housing, employment opportunities, and even insurance premiums. Millions of Americans have negative, inaccurate, and unverifiable information on their credit report. Repairing your credit profile is one of the most important financial decisions you can make. You're about to take the important step of taking control of your credit! If you're like the average American, having improved credit will save you thousands of dollars on your loans and credit cards. You do not need a credit repair clinic. Save the money. Everything a credit repair clinic can do for you legally, you can do for yourself at little or no cost using the plan in this new book.

There are federal laws in place to make sure that you can repair problems on your credit report and increase your credit score. These laws are found in the Fair Credit Reporting Act. This book will show you how to use your legal rights to increase your credit score. You will learn how to remove questionable items from YOUR credit reports, including: late payments, collections, judgments, liens, charge offs, bankruptcies, foreclosures, repossessions, and identity fraud. This new book will be your road map to credit repair information, and give you tips on how to maintain a stronger credit profile, repair bad credit, improve credit scores, and correct personal information.
   
 
×

×

The Complete Bankruptcy Guide for Consumers and Small Businesses Everything You Need to Know Explained So You Can Understand It

ISBN #: 9781601383105


$15.95

According to the U.S. Courts Bankruptcy Statistics Web site, more than 1,300,000 bankruptcies were filed with U.S. courts between June 2008 and June 2009, with almost 96 percent of those being personal, non-business filings. The volume of those who face the stress that coincides with bankruptcy filing continues to grow and it can be hard to discern between the six different forms of common bankruptcy and how each might affect you or your business. This book was written with the goal of providing a complete handbook to understanding the complex bankruptcy laws of the United States in an easy-to-read format that will allow you to move forward in your life, either through the bankruptcy process or through viable financial alternatives that help you to avoid filing.

Before you even approach the bankruptcy process, you will learn if there is anything left you can do to salvage your finances. You will learn how to manage existing debt in avoidance of bankruptcy and how to handle debt collectors, and also acknowledging which of the debts that you hold are the most important. You will learn how to decide when bankruptcy is the best or only option left at your disposal, including what a bankruptcy actually entails, from the first piece of paperwork you sign to the lasting effect it has on your credit.

You will learn how to deal with the emotional and social implications of bankruptcy and also what aspects of your life will immediately change as a result. The six different kinds of bankruptcies are outlined in full detail with walkthroughs of what each format offers and when you can utilize them to your advantage. Specifically, detailed instructions for liquidating debt with a Chapter 7 bankruptcy and using a Chapter 13 bankruptcy to rebuild your life are given as well in their own chapters. You will learn what it takes to find and utilize a qualified consumer bankruptcy attorney and exactly what to expect throughout the process.

For businesses that are navigating the complex corridor of bankruptcy filing, information is provided about the specific processes you must follow for your specific kind of business. You will learn how to choose which Chapter to file under and what you must do to protect your personal assets during a business bankruptcy.

Finally, a special section is included to guide you through the harrowing post-bankruptcy process, helping you to rebuild your credit after the process with a timeline of how long you can expect to wait before you start to regain the standing you originally had. You will be given details and tips on how to manage your finances in the future, and interviews taken from bankruptcy experts and individuals with personal experience will help you know exactly what you can expect before, during, and after your bankruptcy. For anyone at the point in their life where they are considering a bankruptcy to solve their financial problems, this guide is a must have tool, providing an easy-to-read, comprehensive overview of the entire process
   

×

The Complete Guide to Your Personal Finances Online: Step by Step Instructions to Take Control of Your Financial Future Using the Internet

ISBN #: 9781601382979


$15.95

With the growth of the Internet, the personal finance industry has equally boomed, allowing individuals who previously had no control of their money to take the reins and start banking, investing, and controlling funds online without the need for pricey professional help. In 2002, the number of people investing online was around 20 million. In 2006, that number had ballooned to almost 55 million and the estimates for the 2007 fiscal year show that it has risen as much as 40 percent higher as more people realize the potential that online services provide. But for many people, the complexities of finance are still too much. For that reason, this book was written-to provide you with a complete guide of everything you need to know to start managing and investing your money online.

You will learn the basics of why people take to the Internet to manage their personal finances and how you can start doing it today. Starting with the basics of online banking, you will learn what you can do keep track of your checking and savings accounts, pay your bills online, and even apply for loans from the comfort of your own home. You will learn how to measure your own assets and how much money you can afford to spend. A special section is devoted to deciphering the complex language of the financial sector to help you understand what you are dealing with. You will learn how to know if you are a passive or active investor and what kinds of rate of return you can expect. In addition, learn how to prepare your computer for use as a personal finance hub - the necessary safety and security precautions to keep your information safe, the Web sites you should bookmark, the tools you should have installed, and countless tips to help you keep track of the market, top picks, and your fellow investors.

The various types of online accounts will be broken down for you, including taxable brokerage accounts, retirement accounts (401k and IRAs), and education savings accounts such as 529 plans. You will learn how to determine what your tax burden will be in relation to your investments, as well as how to seek out and find the right broker for your needs. You will be walked through the process of finding the best financial opportunities and executing trades as well as your alternate choices in stock options and FOREX trading.

Hours of interviews and careful research with the industry's top investors and online finance professionals will provide an additional level of knowledge to help you know that every financial decision you make is correct. You will be shown how to keep in touch with your fellow investors, what mutual funds, ETFs and various other financial options are at your disposal, as well as how to start investigating in the companies you are looking to invest in. You will learn how to uncover the top prospects and develop investment ideas, as well as the top ten mistakes you absolutely must avoid as an online investor. For anyone seeking a complete resource for online personal finance, look no further than this book.
   

×

How to Get Credit after Filing Bankruptcy: The Complete Guide to Getting and Keeping Your Credit Under Control

ISBN #: 9781601381378


$12.95

According to the United States Bankruptcy Courts, the number of bankruptcies filed each year is on the rise. People file bankruptcy for a variety of reasons, such as preventing foreclosure on their homes, preventing repossession of property, loss of employment, or reducing or eliminating debts. The most common types of bankruptcy for which individuals file are Chapter 7 and Chapter 13. Chapter 7 involves the surrender of property to pay debts, while a Chapter 13 bankruptcy allows for the retention of property but requires payments over the next three to five years.

A person who finds himself or herself in this undesirable situation may wonder how they are ever going to repair their credit. How to Get Credit after Filing Bankruptcy: The Complete Guide to Getting and Keeping Your Credit under Control provides the answers in a clear-cut, easy-to-read manner. The author tells you how to take charge of your credit so you can apply for loans and mortgages and obtain low interest rates.

In addition, you will learn how to order a copy of your credit report, how to check your credit report for accuracy, how to read it, how to avoid discrimination and credit repair scams, how to apply for an unsecured credit card, how to report your good work to bureaus if creditors do not, how to maintain good relationships with your bank and creditors, how to consolidate all your debt, how to lessen your reliance on credit cards, and how to decide if lawyer-assisted credit repair is right for you. You will also learn simple strategies for making payments on time and for rebuilding your credit. Whether you have just declared bankruptcy or you have been living with the stigma for years, this new book will provide you with all the information you need to take a step in the right direction.
   

×

The Complete Guide to Personal Finance: For Teenagers and College Students

ISBN #: 9781601382078


$21.95

Advertisers are well-known for targeting teenagers and have a firm reason for doing so: Teenagers spent close to $190 billion in 2006, and that figure is expected to jump to approximately $209 billion by 2011. It seems quite obvious that teenagers know how to spend money, but do they know how to save?

Personal financial planning is the process of establishing your own financial goals and finding a way to reach them. It is an ongoing process that involves examining all existing resources, developing a plan to use them, and systematically implementing the plan to achieve your goals. While teenagers yield immense spending power, many lack the financial knowledge necessary to manage their money wisely. The Complete Guide to Personal Finance: For Teenagers is a reliable and relevant source of financial information in which teenagers will find a wealth of useful information.

In this new book, you will learn how to get and manage credit, how to make and stick to a budget, how to save for college, how to determine your needs versus your wants, how to pay for a car, how to finance college, how to manage risk, how to open a bank account, how to write a check, how to balance a checkbook, how to avoid the pressures of consumerism, and how to avoid financial mistakes.

You will also learn about investment options, taxes, checks, debit cards, credit cards, and basic budget tips. This book is filled with helpful suggestions from financial and family counselors, and you will discover creative ways to get a jumpstart on your financial future and use money responsibly. Even if you have had a few missteps along the way, you will be able to learn from your mistakes and get on the path to financial well-being.
   

×

When You Have to File for Bankruptcy: Step-by-Step Instructions to Take Control of Your Financial Future

ISBN #: 9781601382092


$12.95

According to the United States Bankruptcy Courts, the number of bankruptcies filed each year is on the rise. People file bankruptcy for a variety of reasons, such as preventing foreclosure on their homes, preventing repossession of property, loss of employment, or reducing or eliminating debts. The most common types of bankruptcy for which individuals file are Chapter 7 and Chapter 13. Chapter 7 involves the surrender of property to pay debts, while a Chapter 13 bankruptcy allows for the retention of property but requires payments over the next three to five years.

This book is divided into three sections: evaluating your need to file for bankruptcy, how to file for bankruptcy, and what to do after you have filed. In the first section, you will be provided with evaluation tools, determine your eligibility, learn how to check your credit report for accuracy, and learn about the different types of bankruptcy for which you can file.

In the second section, you will learn about the major changes in bankruptcy law, bankruptcy lawyers, alternatives to filing for bankruptcy, bankruptcy code, collection agencies, exempt property, nondischargeable debts, what bankruptcy can and cannot accomplish, the automatic stay provision, foreclosure, tax levies, bankruptcy fees, the 341 meeting, bankruptcy myths, the initial consultation with your lawyer, and bankruptcy timelines. You will learn the answers to some of the most common questions about bankruptcy, such as: "Will creditors stop harassing me?" "Will my spouse be affected?" "Who will know about my filing?" "Will I ever get credit again?" "What does it cost?"

The final section will provide a brief overview of what to do after you have gone through the bankruptcy process. We will address the issues of how to get car loans and home loans and how to build credit after bankruptcy. Whether you are filing for bankruptcy for the first time or, unfortunately, you have been through it before, When You Have to File for Bankruptcy will provide insight into the complex and burdensome process.
   

×

The Complete Guide to Managing Your Parents' Finances When They Cannot: A Step-by-Step Plan to Protect their Assets, Limit Taxes, and Ensure their Wishes Are Fulfilled

ISBN #: 9781601383136


$15.95

Every year, millions of Americans transfer their finances to their children or other family members because they reach a point at which they can no longer manage them alone. More than $95 million in 2006 alone was lost due to confusion in transferring these finances and the elderly are the ones who end up suffering. For those who are about to start managing the finances of their parents, it is important to know exactly how to protect their assets, manage their taxes, and live up to their wishes. This book has been written to do just that, providing a comprehensive walkthrough of what you can expect and how to successfully handle your parents' finances.

To start, you must learn the basics of managing money that is not your own. You will be provided with a step-by-step chapter on how to keep track of funds, maintain the same accounting methods your parents have used for decades, and keep everything organized and separate from your own. You will learn how to evaluate sources of income - including how to receive and manage Social Security, 401(k), and other retirement plans as payments are made. Additionally, you will learn how to balance their expenses, including a budgeting sheet to help you maintain the same level of expense they expect.

You will learn how to budget accordingly, depending on where your parents are living and what their medical expenses might be. A chapter on insurance and medical coverage is included to help you understand how much money you can expect to set aside for these expenses and how much should be covered by programs such as Medicaid. Learn how to maintain housing for your parents as well, whether they are in assisted living or staying with you. A guide on how to talk to your parents about fraud and keep them away from potentially dangerous opportunities will make it easier for you to keep a handle on their finances without taking away their freedom.

Dozens of men and women who have gone through this same situation, and also professional finance managers, have added their expertise to this book, providing firsthand accounts of how they were able to manage their own parents' accounts and what you can expect. You will learn the difference in tax laws for the retired and what you will be required and not required to pay as a result of their age. It can be daunting when you first take control of your parents' finances, but with this book in your hands, you should be able to quickly and efficiently take the reins and maintain the quality of life they have grown accustomed to.
   

×

How to Survive and Prosper After a Financial Misfortune: A Complete Guide to Your Legal Rights After Bankruptcy, Foreclosure, Repossession, and Eviction

ISBN #: 9781601382986


$15.95

Every year, it is estimated by the U.S. Census Bureau that more than 700,000 people file for bankruptcy. Another 1-2 million must deal with foreclosure, repossession, or eviction. In 2007 alone, it is estimated that a record number of homeowners were subject to foreclosures and the light has not yet appeared at the end of the tunnel. For these individuals and millions more who are on the brink of financial misfortune, this book has been written to provide that light, a guide that will help you make the financial and life decisions necessary to come out the other side and rebuild your life.

Included in this book you will find not only detailed descriptions of the bankruptcy, foreclosure, and eviction laws in the United States; you will learn exactly what you can do to come through the process as gracefully as possible. By hiring the right attorney, filing the right paperwork, and knowing your rights throughout the process, it is possible to not only survive, but to prosper after a catastrophic financial shortfall.

You will learn how to start rebuilding your credit immediately, without needing to wait the full term that a bankruptcy remains on your record. You will learn how to shuck the social stigma and what your rights are coming out of a repossession or foreclosure. More than ten major financial hardships are provided through the chapters in this book with detailed instructions on how each one will affect your finances, life, and family, and then what you can do to bounce back. You will learn what housing options are at your disposal following a foreclosure and how to negotiate with the bank to make the process less damaging.

You will learn how to relocate your family and how take advantage of government and municipal programs designed specifically to help people who have fallen to hardship. You will learn what options you have at your job and in the community and finally, the different ways you can start overcoming the black marks on your record in rebuilding your credit, finding a new home, and acquiring hard to find financial assistance. Dozens of interviews were conducted with experts in the field of debt management, bankruptcy law, and social work in the hopes of providing a comprehensive perspective of what millions of individuals have gone through before you and how they managed to survive the tumultuous aftermath of their financial hardships. In this book, you will not only learn how to survive your downturn in financial standing; you will learn how to rebound and retake your life.
   

×

Living Life After Divorce & Widowhood: Financial Planning, Skills, and Strategies for When the Unthinkable Happens

ISBN #: 9781601382894


$15.95

The massive change in your life after a spouse leaves can be overwhelming, both emotionally and financially. With a divorce rate holding steady at .36 percent per capita, according to the National Center for Health Statistics, and the wide range of individuals stricken by their spouse's early death, the dilemma of having to handle your own finances and relearn the single lifestyle can be a heavy blow. With this book, you will learn not only how to pick up the pieces and once again live alone, but how to successfully organize your finances, run your life, and keep yourself afloat.

The first step in rebuilding and returning to the lifestyle you have not lived in years is to analyze how you saved and ran your finances during marriage. You will learn how to sort through your existing finances and how to redefine what kind of financial risk you present - whether you are a saver or a spender, and how you can use this knowledge. You will learn when, and if, you should seek professional help in outlining your financial options and putting everything in order and how to do so.

Every situation in which you find yourself alone again will affect your finances differently and so, a chapter has been provided that details how each different form of divorce and the death of a spouse directly affects you and your financial standing. You will learn how to reassess your assets and liabilities and what will have carried over from your spouse. The process of assessing your finances and looking at cash flow statements will be provided alongside a detailed walkthrough of the process involved in deciding how your future finances will be managed.

The complex process of filing and filling out the necessary paperwork will be broken down into easy steps for every situation you might find yourself in, including the reallocation of powers of attorney, wills, and insurance coverage. You will learn how to reassess your career and how to restart your savings successfully, regardless of what happened. The reduction of debt and the management of existing investments are discussed in depth along with the detailed interviews and professional opinions of financial and legal experts in the field who provide tips and strategies for anyone trying to rebuild when single again. Finally, you will be shown how your restructuring can and will affect your children and why you should start planning as quickly as possible for their needs. If you have recently gone through a divorce or suffered the loss of your spouse, it can be a rough experience trying to rebuild your life, but this book will help you through the most meticulous and nerve wracking aspects step-by-step.
   

×

How to Legally Settle Your Personal and Credit Card Debt for Pennies on the Dollar: Without Filing Bankruptcy

ISBN #: 9781601383280


$15.95

The current economic climate is dim for many Americans - it forecasts potential recession, trouble for homeowners, and increasing personal and credit card debt. According to Federal Reserve estimates, that credit card debt is already in the trillions of dollars and rising each year. So, what can you do about it without immediately resorting to bankruptcy - eliminating the entirety of your finances for years to come? It's a tough question to answer and one that many are faced with regularly, but there are ways to handle these debts legally without reaching for the extreme, final measure that we all dread so much.
This book was written to provide every individual who is standing at the precipice of too much debt with the tools they need to settle that debt legally without ruining themselves forever.

You will learn everything you need to know about the basics of debt, including what the various kinds: secured, unsecured, personal, business, and tax debt's entail and how they affect you. You will learn what happens to you when you don't pay, both legally and socially, and what your first steps should be on the road to repairing your debt. You will learn how to assess your overall risks and what your options are with your creditors. You will learn what vulnerabilities your debt collectors have legally and what you can do to legally challenge the validity of your debt. You will learn how to deal with bill collectors and how to create a line of communication that is two ways and not reliant solely on them making demands.

Top financial experts, bill collectors, and one-time debt owers have been contacted and interviewed for this book and their interviews have been included here to provide a complete outline of what you can expect when you try to settle your debt. You will learn how to start negotiating settlements with your creditors and what specific things you can and cannot do when dealing with them. You will learn the variety of debtor's rights that exist and why they are never told to you, including details about the Fair Debt Collection Practices Act and how this act is legally enforced. For anyone who has ever spent the better part of their life dodging calls from creditors or trying to figure out how to pay those bills next month, this book will be the tool you need to understand how to tackle and deal with your debt.
   
   

×

The Complete Guide to Personal Finance For Teenagers and College Students
Revised 2nd Edition with Workbook on Companion CD

ISBN #: 9781620230701


$21.95

In this completely revised edition, young people learn how to get and manage credit, how to make and stick to a budget, how to pay for college, how to determine needs versus wants, how to pay for a car, how to open a bank account, how to balance a checkbook, how to manage finances online, and how to avoid financial mistakes. You will also learn about investments, taxes, checks, debit cards, credit cards, and budget tips. This book is filled with helpful suggestions from financial counselors, and you will discover ways to jumpstart your financial future and use money responsibly.