Thomas Bennet has died and left his wife and five daughters during the visit of his cousin Mr. Collins who has come to offer marriage as an olive branch to soothe the way when he inherits their home, Longbourn. A deathbed promise from the past saves the ladies and Elizabeth Bennet becomes better acquainted with the wealthy, handsome Mr. Darcy, the man who insulted  her at the assembly in Meryton. With the Bennets living at Somersal, a country estate that belongs to the Fitzwilliam family and is only a short distance from Pemberley, the home of Mr. Darcy, their mutual love of riding fosters a love neither Darcy nor Elizabeth can deny. After a terrible accident, Elizabeth believes she must race in the spring to secure her family’s future, much to Mr. Darcy’s dismay. His proposal, given to keep her from racing, is summarily refused as Elizabeth Bennet will not marry from necessity. 

I married the right brother. At least that’s what I tell myself at night, when I stare at the ceiling and listen to the rhythm of the grandfather clock down the hall. It never feels like the mere passage of time, but a countdown towards something inevitable. Bobby Lightly is selfish, irresponsible, and careless. I haven’t seen him since the day I married his brother. He slipped out during the wedding reception without a word. A year later, I heard Bobby was drafted to Korea. He never said goodbye. Never sent a letter. We had all come to terms with the fact that he was probably dead somewhere, either a victim of the war or its aftermath. That is, until in the midst of an unrelenting heatwave, he showed up at the doorstep of the house I lived in with his brother. Everyone thinks I’m cruel. Everyone thinks I should be easy on him. They think I don’t understand him. They all think I hate him. But what no one understands is that it was Bobby who broke my heart. And I think he’s back to do it again.

The book reflects the experienced methods that the author used to get herself out of debt, improve her credit reports and increase credit score. It has detailed steps to follow along with actual letters that can be revised to fit your needs. Information on credit agencies, consumer rights and those that governs what a creditor/collection can or cannot do is included. It guides you on ways to handle your creditors and helps take the fear out of dealing with them. Those that are experiencing a lot of debt will find this book very helpful. It will guide you through removing your debt and ways to manage your finances. There is a section on bankruptcy as a last resort. Pick up a copy it is well worth the cost. Each section deals with a specific problem people have when they are in debt. One deals with the credit reporting agency; another with the documents you will need to begin your project. A short summary is given at the end of each section as a reminder of what you read. This book is small in size but full of valuable information that can be used over and over. It can be shared with other family members or friends. If you are having a problem with debt, wanting to know how to improve your credit report, ways to increase your credit score or ideas on managing your finances this is the book for you. It will help you to get out of debt and be well on your way to a debt-free life. What you will save in paying bills will more than pay the cost for this valuable book 10X over. You will want to have this book handy for years to come. You want to be debt-free, have a high credit score and able to purchase the things you want? Then get yourself a copy of “Your Self Help Guide to Debt & Credit Management.” It is now available to help others free themselves of those over bearing debts.

The unwilling Ricci wife… 

Angelina’s world is shattered when Lorenzo Ricci walks through the door of her engagement party and demands she call off the wedding—because she’s still married to him! She left the formidable Italian to save her heart, but now, with her family business at stake, Angelina must consider his terms… 

In need of an heir, Lorenzo will use any means to reclaim his wayward wife and return her to their marriage bed. He’ll make her debts disappear if she repays him…in desire! The chemistry may be alive and well between them, but can they survive their tempestuous reunion unscathed?

In January 1865, President Abraham Lincoln approved Executive Order, Special Field Orders Number 15. It was an order carried out by the military to divide 400,000 acres of land or confiscated plantations into forty-acre parcels and give them to the heads of the former slave family. I am sure we have all heard of “40 acres and a mule.” In April of 1865, President Lincoln was assassinated (only three months later). Vice President Andrew Johnson was sworn in and did not honor that executive order. Special Field Orders Number 15 was reparations for the recently freed slaves America had held in servitude and subjugation for over 200 years. This book spells out the justification, the ability to pay, and an actual plan to execute reparations for the children of American slaves.

Coming soon! A Debt Paid in the Marriage Bed by Jennifer Hayward will be available Feb 21, 2017.

After his wife dies, Frank Bridger’s greatest desire is to protect those closest to him. That, and for the world to just leave him alone. When his best friend Donnie’s knack for trouble finally gets him into a deadly bind, Frank is forced to confront a suicidal bank robber, a sociopathic ex-athlete, murderous Chicago thugs, and an old-timey Texas underworld boss. BLOOD DEBT is a violent story of crime, punishment, and how far a man will go to protect – or avenge – the ones he loves.

Have you ever seen a poor Casino owner? Probably not! Have you ever seen a poor banker? Probably not! The thing is that the house always wins. The financial institutes have rigged the system so they win while we work hard to pay off our debts! In this book you will learn about: 1). What is wrong with the financial system and why it is ruining your life! 2). How to escape from the burden of credit card debt and debt in general 3). How to sustain your financial freedom over the course of your life! I hope if you read this book, that it will deter you from taking up debt in the first place and that you might even think about ways of bringing about debt reduction and a general life change, towers a safer and more long –term sustainable way of structuring your financial wellbeing!

Mackenzie Boru earned the nickname Reaper from his colleagues in black ops due to his violent tactics and insane bravery. But when the US government no longer has need of his services, he retires the Reaper—or so he thinks.

Mac is now in the middle of his fallback plan. He’s gotten a PhD in history and has moved to Las Vegas for the climate and the female companionship. But then he finds a bit more than he bargained for.

Her name is Danni Greenbow, and she’s drop-dead gorgeous. She is a brilliant and outspoken software engineer. She also happens to be a transgender woman. Mac has had little experience with the types of challenges she has faced in her life, but he decides he wants to be there for every new one that arises.

Then, the unthinkable happens. Danni is kidnapped by los Toros del Diablo, a motorcycle gang that operates gunrunning and narcotics enterprises all over the Southwest. To find his girlfriend, Mac will have to become the Reaper once again, but will his killer instincts and commando skills be enough to bring Danni back alive?

If you have debts you are Not Alone! According to data taken from The US Census, The Aggregate Revolving Consumer Debt Survey and The Survey of Consumer Finances, 160,000,000 Americans possess credit cards, which is just over half the population of America! More amazingly still, the average credit card debt of $7,219 per household in 2010! So, if you are feeling pinned down by credit card debt, you are certainly not alone! The average indebted American is now poorer than their 1980 counterparts! And this isn’t just an American problem; rather it’s a global problem! Since the end of world war two there has been a consistent push on behalf of the financial sector to push loan facilities, credit cards and all sort of other debts down our throats. We have become a debt based society and even though the 2008 financial meltdown demonstrated the flaws in this system, mouthing really changes as the world economy is based upon debt. While there isn’t much that any of us can individually do for the world economy we can step back and take back control of our finances. In much way the financial reality is like a fence and people are on one side or the other. On one side are the indebted and on the other side are the financially free. While many people repay their debts, within a short space of time they find themselves back in debt all over again. in this book you will be thought not only how to repay your debts but also you shall be thought how to become financially free, for the only way to guarantor your long-term financial wellbeing is to move from debt to wealth and it can be done. We are not talking about get rich quick schemes here; rather we are talking about sensible strategic action, regardless of income, which over time will radically change your financial reality from debtor to investor and from poor to well off! In this book you will learn about: * The five keys to financial freedom * Debt reduction programs * Debt settlement programs * Bankruptcy * Budgeting * Financial planning * How to maintain a budgeting diary * Medium to long -term goal setting * The mind-set reburied to shift from debtor to investor! In this comprehensive book you shall be shown with step by step and practical instructions how to turn your financial situation around. There are no gimmicks, but rather it takes a clear assessment of your financial reality combined with strategic action to turn things around, but it can be done and can be done effectively even if you are an ordinary person earning an ordinary wage! Take the jump today, forget about what everyone else is doing and start to take responsibility of your financial wellbeing back into your own hands!