There are ?financial experts” who advise people to take out their credits cards and cut them up. And that may be a good plan for someone who is financially irresponsible, it’s not great advice for someone who wants to build wealth and become financially free. Cutting up your credit cards won’t make you rich; learning to leverage and manage debt will.
If a person has a solid financial education they will know that there are two kinds of debt: good debt and bad debt. A person who understands debt will know how to use good debt to make them richer faster. And when we take control and learn to manage bad debt, seeing it for what it is and understanding the toll it can take if abused, we are on the road to financial freedom.
Learn how to make your money work hard for you? instead of you working hard for money all your life. Understanding debt and how to use and leverage it is an important first step.
“If you wish, I can take you out of all this.”
In his quest for revenge against a disreputable card sharp, James, Earl of Cambourne, discovers the man’s innocent daughter. While her surroundings are impoverished, her dignity and refinement are unmistakable, and James faces an unsettling question—what will be her fate if he brings her father to justice?
Although yearning for love and comfort, Lucy resists the earl’s surprising offer of protection. That is until a price is made on her virginity, and James is the only man who can save her.
I owe you a dinner invitation, you owe ten years on your mortgage, and the government owes billions. We speak confidently about these cases of debt, but is that concept clear in its meaning? This book aims to clarify the concept of debt so we can find better answers to important moral and political questions.
This book seeks to accomplish two things. The first is to clarify the concept of debt by examining how the word is used in language. The second is to develop a general, principled account of how debts generate genuine obligations. This allows us to avoid settling each case by a bare appeal to moral intuitions, which is what we seem to currently do. It requires a close examination of many institutions, e.g. money, contract law, profit-driven finance, government fiscal operations, and central banking. To properly understand the moral and political nature of debt, we must understand how these institutions have worked, how they do work, and how they might be made to work.
There have been many excellent anthropological and sociological studies of debt and its related institutions. Philosophy can contribute to the emerging discussion and help us to keep our language precise and to identify the implicit principles contained in our intuitions.
The Last Book in the New York Times Bestselling Dark Romance Series. Where love tries to triumph and darkness continues to reign….
“I’m in love with her, but it might not be enough to stop her from becoming the latest victim of the Debt Inheritance. I know who I am now. I know what I must do. We will be together—I just hope it’s on Earth rather than in heaven.”
It all comes down to this.
Love versus life.
Debts versus death.
Who will win?
The underexamined art and science of managing the federal government’s huge debt.
Everyone talks about the size of the U.S. national debt, now at $13 trillion and climbing, but few talk about how the U.S. Treasury does the borrowing even though it is one of the world’s largest borrowers. Everyone from bond traders to the home-buying public is affected by the Treasury’s decisions about whether to borrow short or long term and what types of bonds to sell to investors.
What is the best way for the Treasury to finance the government’s huge debt? Harvard’s Robin Greenwood, Sam Hanson, Joshua Rudolph, and Larry Summers argue that the Treasury could save taxpayers money and help the economy by borrowing more short term and less long term. They also argue that the Treasury and the Federal Reserve made a huge mistake in recent years by rowing in opposite directions: while the Fed was buying long-term bonds to push investors into other assets, the Treasury was doing the opposite selling investors more long-term bonds.
This book includes responses from a variety of public and private sector experts on how the Treasury does its borrowing, some of whom have criticized the way the Treasury has been managing its borrowing.
Beating the College Debt Trap presents students with a better way to do college. The radically counter-cultural truth is that students don’t have to be totally dependent on Mom, Dad, or Uncle Sam to get the most out of college. Graduation on a solid financial foundation is possible. But it will require intentionality, creativity, hard work, and a willingness to delay gratification.
Chediak gets into the nitty-gritty of how to pay less for college, get meaningful work during college (while setting yourself up for success after college), pay off any loans quickly, spend less, save more, and stay out of debt for good. He also unpacks how to transition from college into career, honor God while achieving financial independence, and use your finances to make a positive, eternally-significant difference in the lives of others.
As a young professor with an aptitude for finances and money management, Chediak has become particularly concerned with the financial health of students, especially in light of the ever increasing costs of college. In Beating the College Debt Trap he helps do something about this problem. He engages, in a friendly manner, the “real world” financial issues that 17-25 year olds face, with clarity, practical help, lots of illustrations, and a little humor, while conveying a distinctly Christian perspective.
A simple, straight-forward game plan for completely making over your money habits!
Best-selling author and radio host Dave Ramsey is your personal coach in this informative and interactive companion to the highly successful New York Times bestseller The Total Money Makeover. With inspiring real-life stories and thought-provoking questionnaires, this workbook will help you achieve financial fitness as you daily work out those newly defined money muscles. Ramsey will motivate you to immediate action, so you can:Set up an emergency fund (believe me, you’re going to need it) Pay off your home mortgage?it is possible. Prepare for college funding (your kids will love you for it) Maximize your retirement investing so you can live your golden years in financial peace Build wealth like crazy!
With incentive exercises that really do exercise your spending and saving habits, Ramsey will get your mind and your money working to make your life free of fiscal stress and strain. It’s a no-nonsense plan that will not only make over your money habits, but it will also completely transform your life.
Senator Richards is a dirty senator; he’s borrowed money from the Italian mob and is unable to pay them back. Calix has wanted the Senator’s daughter, Anya, since he first saw her when she was 18. He tried ignoring his attraction to her and the unusual pull she had, with her being so young. But here he was four years later and still wanting her.
Anya hates all self-important men. Any man who has anything in common with her father is not a man she wants to know or be near. So when Calix walks up to her at one of her father’s banquets inviting her to dinner, she rudely blows him off.
Calix, having waited years for Anya, is pissed when Anya rejects him and snubs him. So with her father owing his uncle a lot of money, a bargain was struck where everyone except Anya can get what they want. But when bargains are made and people are betrayed, the ends may justify the means. But can Calix and Anya survive the end?
Warning: This book is a dark romance meant for mature listeners due to sexual content.
When a brutal military regime commits one of the worst genocides in history against its own people, a loyal soldier turns rebel to avenge the deaths of those innocent millions of his community. He makes a daredevil escape through own deployments, reaches the “other side” and trains the guns on the very killers he once swore to serve. After months of bloody war, the soldier and his fellow fighters win victory. Bangladesh is born. That soldier, an army captain, fulfills a debt to his people. He tells his story in A Soldier’s Debt. A Soldier’s Debt is an emotion packed personal account of atrocities and triumph seen through the eyes and soul of a man on the ground. It captures intense internal conflicts against a setting fully loaded with suspense, bravery and thrills. In 300 pages of in-your-face details, the soldier (author) walks the reader through an escape that changes one’s life and a conflict that changes the world. Reader will relive the period, as writer and reader become one.
Although banking and sovereign debt crises are not unusual, the crisis that has unfolded across the world since 2007 has been unique in both its scale and scope. It has also been unusual in being both triggered by, and mainly affecting, developed economies. Starting with the US subprime mortgage crisis, and the recession in 2007-2009, the problem soon erupted into financial crisis in Europe. A few of these countries came to the brink of bankruptcy, and were rescued by the EU and the IMF on the condition they adopt austerity measures. The detrimental social effects of the crisis in both the US and Europe are still emerging.
Although there have been several studies published on the US crisis in particular, there has so far been an absence of an accessible comparative overview of both crises. This insightful text aims to fill this gap, offering a critical overview of causes, policy responses, effects and future implications. Starting with the historical context and mutation of the crisis, the book explores the policies, regulations, and governance reforms that have been implemented to cope with the US subprime mortgage crises. A parallel analysis considers the causes of the European sovereign debt crisis and the responses of the European Union (EU), examining why the EU is as yet unable to resolve the crisis. This book is supported with eResources that include essay questions and class discussion questions in order to assist students in their understanding.
This uniquely comprehensive and readable overview will be of interest and relevance to those studying financial crises, financial governance, international economics and international political economy.