Founder of MyDebtFreeCollege.com, Kevin Y. Brown, author of 10 Ways Anyone Can Graduate from College DEBT-FREE: A Guide to Post Graduate Freedom reflects back on his college experience…”If I have to take out a loan for college, I’m dropping out!” is what he said to his dormitory hall director, a few days in to college. With zero knowledge of the college, financing system Kevin took it upon himself to be proactive and take control of his college finances. Upon graduation, Kevin proved to have kept his promise to himself and today he is free of any college debt. With approximately 37 million student loan borrowers having outstanding student loans and people in the 18 to 24–age bracket spending nearly 30% of their monthly income on student loan debt repayment there is a need for a guide to help students navigate the financial aspects of college life and avoid the pitfalls of student loans and related college debt. 10 Ways Anyone Can Graduate From College DEBT-FREE provides: • 10 proven strategies that can help students avoid student loan debt • Personal stories of the authors experience with each strategy • A list of over 100 scholarships valued at over $10 million dollars • Consequences of defaulting on student loans • An understanding of the various types of financial aid • Up-to-date data on life-time earnings vs. education levels • Current data on and the state of the student loan debt crisis
Before there was money, there was debt
Every economics textbook says the same thing: Money was invented to replace onerous and complicated barter systems—to relieve ancient people from having to haul their goods to market. The problem with this version of history? There’s not a shred of evidence to support it.
Here anthropologist David Graeber presents a stunning reversal of conventional wisdom. He shows that for more than 5,000 years, since the beginnings of the first agrarian empires, humans have used elaborate credit systems to buy and sell goods—that is, long before the invention of coins or cash. It is in this era, Graeber argues, that we also first encounter a society divided into debtors and creditors.
Graeber shows that arguments about debt and debt forgiveness have been at the center of political debates from Italy to China, as well as sparking innumerable insurrections. He also brilliantly demonstrates that the language of the ancient works of law and religion (words like “guilt,” “sin,” and “redemption”) derive in large part from ancient debates about debt, and shape even our most basic ideas of right and wrong. We are still fighting these battles today without knowing it.
Debt: The First 5,000 Years is a fascinating chronicle of this little known history—as well as how it has defined human history, and what it means for the credit crisis of the present day and the future of our economy.
This new fully updated edition of Surviving Debt provides precise, practical, and hard-hitting advice from the nation’s consumer law experts on how to deal with crushing debt affecting millions of Americans.
Surviving Debt tells you what consumers need to know about:
• Dealing with Debt Collectors
• Which Debts to Pay First
• Saving Your Home from Foreclosure
• Credit Card Debt
• Student Loans
• Your Credit Report
• When and When Not to Refinance
• Strategies to Prevent Repossessions
• How to Defend Collection Lawsuits
• How to Find Effective Credit Counseling Agencies
• Your Bankruptcy Rights, and much more.
With glossary explaining an array of financial and legal terms and full index.
“A wealth of expert legal advice on dealing with an overwhelming debt burden.”
— Senator Elizabeth Warren, Founder, Consumer Financial Protection Bureau
“Outstanding manual. Seldom is such useful, authoritative information
available for so small a price!”
“A gold mine on topics like how to handle collectors, which debts to pay first, and how collection lawsuits work.”
— U.S. News and World Report
“Great advice, from the nation’s experts, on how to pull yourself out of debt.”
— Jane Bryant Quinn
“The best book available for consumers in financial trouble.”
— Stephen Brobeck, Executive Director, Consumer Federation of America
Do you Want to Save Money, but Don’t Know Where to Start? Is Diving Into the World of Coupons Too Time Consuming for You?
In Create Your Own Money-Saving Adventure, you get to pick what YOU want to learn. Not ready to dive into the world of coupons? That’s ok! You can learn about Price Matching, getting out of debt, raising your credit score or saving money on travel. At the end of each chapter, your choices will start to make you a money-saving master. You will get to pick and choose different adventures depending on your lifestyle, time and personal money goals. It’s the Ultimate Money-Saving Guide for everyone!
You can even re-read the book and pick different adventures each time. It’s like reading a whole new book!
With the information in this book and the free website, Freebies2Deals.com, you will learn how to S-T-R-E-T-C-H your dollar like never before!
There is an unexploded bomb in the global financial system, threatening to bring the greatest disruption to the lives of people since the Depression on the 1930s. This potential explosion has been created by dereliction of duty by the world’s largest central banks, which have helped to create an unsustainable illusion of personal wealth and national prosperity, exposing the public to uninsurable risks in the process. This volume looks at how this economic timebomb has been created by unchecked credit expansion and the potential havoc it could wreak.
An up-to-date look at the exploding CDO and structured credit products market
In this fully updated Second Edition, financial expert Janet Tavakoli provides readers with a comprehensive look at the CDO and structured credit products market amid recent developments. In addition to a detailed overview of the market, this book presents key issues in valuing structured financial products and important quality control issues. Tavakoli shares her experiences in this field, as she examines important securitization topics, including the huge increase in CDO arbitrage created by synthetics, the tranches most at risk from new technology, dumping securitizations on bank balance sheets, the abuse of offshore vehicles by companies, the role of hedge funds, critical issues with subprime, Alt-A, and prime mortgage securitizations, and securitizations made possible by new securitization techniques and the Euro. While providing an overview of the market and its dynamic growth, Tavakoli takes the time to explore the types of products now offered, new hedging techniques, and valuation and risk/return issues associated with investment in CDOs and synthetic CDOs.
The proven guide to taking control of your finances
The bestselling Personal Finance For Dummies has helped countless readers budget their funds successfully, rein in debt, and build a strong foundation for the future. Now, renowned financial counselor Eric Tyson combines his time-tested financial advice along with updates to his strategies that reflect changing economic conditions, giving you a better-than-ever guide to taking an honest look at your current financial health and setting realistic goals for the future.
Inside, you’ll find techniques for tracking expenditures, reducing spending, and getting out from under the burden of high-interest debt. Tyson explains the basics of investing in plain English, as well as the risks, returns, and options for popular investment strategies. He also covers ways to save for college and special events, tame your taxes, and financially survive the twists and turns that life delivers.The bestselling, tried-and-true guide to taking control of finances, now updated to cover current economic conditionsProvides concrete, actionable advice for anyone facing great financial hardshipHelps you avoid or get out of debt and budget funds more successfullyEric Tyson, MBA, is a nationally recognized personal finance counselor and the author of numerous For Dummies titles, including Home Buying For Dummies, Investing For Dummies, and Mutual Funds For Dummies, among others
There’s no need to stress over an uncertain economy — just read Personal Finance For Dummies and protect your financial future!
Conventional wisdom holds that all nations must repay debt. Regardless of the legitimacy of the regime that signs the contract, a country that fails to honor its loan obligations damages its reputation, inviting still greater problems down the road. Yet difficult dilemmas arise from this assumption. Should today’s South Africa be responsible for apartheid-era debt? Is it reasonable to tether postwar Iraq with Saddam Hussein’s excesses?
Rethinking Sovereign Debt is a probing historical analysis of how sovereign debt continuity–the rule that nations should repay loans even after a major regime change, or expect reputational consequences–became the consensus approach. Odette Lienau contends that the practice is not essential for functioning international capital markets, and demonstrates how it relies on ideas of absolutist government that have come under fire over the last century. Challenging previous accounts, Lienau incorporates a wealth of original research to argue that Soviet Russia’s repudiation of Tsarist debt and Great Britain’s 1923 arbitration with Costa Rica hint at the feasibility of selective debt cancellation. She traces the notion of debt continuity from the post-World War I era to the present, emphasizing the role of government officials, the World Bank, and private-market actors in shaping our existing framework.
Lienau calls on scholars and policymakers to recognize political choice and historical precedent in sovereign debt and reputation, in order to move beyond an impasse when a government is overthrown.
How to Get Out of Debt
Quickly eliminate your debt forever!
Power down your debt by following proven simple Biblical principles. Learn how to:
Create Your Own Personal Financial Statement(PFS) and Find Your NET Worth
Finances do not need to be so complex. I show you what makes up a Personal Financial Statement and how to read it. What a great and not so great financial statement looks like. You will learn what your true NET worth is and how “getting rich” is really a simple matter of changing a negative to a positive or “greater than” to a “less than”.
Increase Your Income and Learn What the Bible Says About Income
That means digging into the different types of income. I show you what retirement really means and that it is definitely possible to retire young and retire rich. Also, what the Bible says about being rich. Learn how to get started with new investments such as real estate or buying an existing business. I show you some simple checks and balances for reviewing a business before you buy it.
Analyze Your Expenses and Eliminate Unnecessary Expenses
Using your Personal Financial Statement/NET Worth Calculator (* Bonus (no-cost) download from my website) you will see the expenses that you can eliminate that will help you get out of debt quickly. I show you the difference between a good debt and a bad debt and why not all debt is bad.
Get Out of Debt Using My KO Debt Plan
Learn how to knock out(KO) your debt one at a time. Your goal should be to live debt-free and with my KO Debt Plan you can achieve that at an accelerated pace. I show you specific examples of the simple process of removing your debt. In addition I will show you:
• What your financial action plan should look like
• Why you should tithe
• How much money you should tithe
• How much house you can really afford and why you shouldn’t rely soley on real estate agents and bankers.
Note: These principles are based on what it says in the Bible. Regardless, if you are “religious” or not you can benefit from applying these methods. I am not interested in preaching to you but I am excited to share what I have learned and the freedom that comes along with being debt-free.
About The Author
If you know me, you know that my mind never rests. I like to get things done. I like to try new things. And most of all, I like to succeed. While success may mean different things to different people we can all agree that winning is always better than losing. My desire for you is to minimize the times you lose.
My investments include businesses, real estate and stocks. I strive to help others maximize their time and succeed financially as well as personally. I hate bad debt! Also, I love to write and actively cover financial, business (marketing, social media & blogging) and lifestyle topics on my blog (http://5minaday.com)
Learn how to get out of debt. Scroll up &click the buy button now.