In 2009, amid the global financial crisis, 21-year-old Shannon Young graduated from college with a degree in English and more than $80,000 in student debt. Less than five years later, she was completely debt-free. This is her story – a cautionary tale with a surprisingly hopeful outcome. Filled with practical advice and personal experience, Pay Off is an invaluable resource for anyone coming in to or out of student debt.

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RV LIVING: (FREE Bonus Included)

20 Hacks How to Live And Travell In Your Motorhome Without Debt and Stress

Are you one of those people who look at every RV that passes? You may drool, or envision a hassle free life cruising through the sunshine in California or some other sunny haven.

But did you realize that RV’s are not just for retired people? There are many younger people who have swapped the traditional brick built house for a chance to explore and find adventure. They purchase RV’s and take to the open road; working along the way and learning as they go.

It is an excellent experience; even if you only do it for a few months! This book will help you to get started by providing you with some valuable advice on how to live full time in an RV without and with minimal stress:

Understand why the cal of the RV lifestyle is so strong and the reasons it is becoming more popular. This is not just a reaction to the 2008 economic crash! Read seven tips on how to start your RV lifestyle without debt and to stay debt free. This is essential reading! Discover another seven hacks which will help you to deal with stress. In the main this focuses on reducing the opportunities to be stressed and learning how to deal with incidents better. Six additional tips which will ensure you focus on the positive things in life; leaving debt and stress behind!

Download your E book “RV LIVING: 20 Hacks How to Live And Travell In Your Motorhome Without Debt and Stress” by scrolling up and clicking “Buy Now with 1-Click” button!

An award-winning environmental activist and social entrepreneur exposes the link between our financial and environmental crises

For decades, politicians and business leaders alike told the American public that today’s challenge was growing the economy, and that environmental protection could be left to future generations. Now in the wake of billions of dollars in costs associated with coastal devastation from Hurricane Sandy, rampant wildfires across the West, and groundwater contamination from reckless drilling, it’s becoming increasingly clear that yesterday’s carefree attitude about the environment has morphed into a fiscal crisis of epic proportions.

Amy Larkin has been at the forefront of the fight for the environment for years, and in Environmental Debt she argues that the costs of global warming, extreme weather, pollution and other forms of “environmental debt” are wreaking havoc on the economy. Synthesizing complex ideas, she pulls back the curtain on some of the biggest cultural touchstones of the environmental debate, revealing how, for instance, despite coal’s relative fame as a “cheap” energy source, ordinary Americans pay $350 billion a year for coal’s damage in business related expenses, polluted watersheds, and in healthcare costs. And the problem stretches far beyond our borders: deforestation from twenty years ago in Thailand caused catastrophic flooding in 2011, and cost Toyota 3.4 percent of its annual production while causing tens of thousands of workers to lose jobs in three different countries.

To combat these trends, Larkin proposes a new framework for 21st century commerce, based on three principles: 1) Pollution can no longer be free; 2) All business decision making and accounting must incorporate the long view; and 3) Government must play a vital role in catalyzing clean technology and growth while preventing environmental destruction. As companies and nations struggle to strategize in the face of global financial debt, many businesses have begun to recognize the causal relationship between a degraded environment and a degraded bottom line.  Profiling the multinational corporations that are transforming their operations with downright radical initiatives, Larkin presents smart policy choices that would actually unleash these business solutions to many global financial and environmental problems.   

Provocative and hard-hitting, Environmental Debt sweeps aside the false choices of today’s environmental debate, and shows how to revitalize the economy through nature’s bounty.

In 2006 the Grameen Bank of Bangladesh won the Nobel Peace Prize for its innovative microfinancing operations. This path-breaking study of gender, grassroots globalization, and neoliberalism in Bangladesh looks critically at the Grameen Bank and three of the leading NGOs in the country. Amid euphoria over the benefits of microfinance, Lamia Karim offers a timely and sobering perspective on the practical, and possibly detrimental, realities for poor women inducted into microfinance operations.
In a series of ethnographic cases, Karim shows how NGOs use social codes of honor and shame to shape the conduct of women and to further an agenda of capitalist expansion. These unwritten policies subordinate poor women to multiple levels of debt that often lead to increased violence at the household and community levels, thereby weakening women’s ability to resist the onslaught of market forces.
A compelling critique of the relationship between powerful NGOs and the financially strapped women beholden to them for capital, this book cautions us to be vigilant about the social realities within which women and loans circulate—realities that often have adverse effects on the lives of the very women these operations are meant to help.

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What role does war play in political development? Our understanding of the rise of the nation-state is based heavily on the Western European experience of war. Challenging the dominance of this model, Blood and Debt looks at Latin America’s much different experience as more relevant to politics today in regions as varied as the Balkans and sub-Saharan Africa.

The book’s illuminating review of the relatively peaceful history of Latin America from the late eighteenth through the early twentieth centuries reveals the lack of two critical prerequisites needed for war: a political and military culture oriented toward international violence, and the state institutional capacity to carry it out. Using innovative new data such as tax receipts, naming of streets and public monuments, and conscription records, the author carefully examines how war affected the fiscal development of the state, the creation of national identity, and claims to citizenship. Rather than building nation-states and fostering democratic citizenship, he shows, war in Latin America destroyed institutions, confirmed internal divisions, and killed many without purpose or glory.

Debt The First 5000 Years is your aide to rapid comprehension of the essential business principles delineated in David Graeber’s acclaimed book Debt The First 5000 Years. The concept of debt is strangely powerful, and it is consumer debt that keeps our economy moving. At the center of international politics is the subject of debt. David Graeber, undertakes in Debt The First 5000 Years, the task to delve into the many misconceptions surrounding debt and Graeber uses the last five thousand years of history to argue, discuss, and demonstrate rights and freedoms, relating how all of this history has given present day a unique set of challenges. Use this helpful paper to understand the essence of Debt The First 5000, including: A concise synopsis summarizing the history of debt and it’s definition In-depth analysis of the most useful concepts from Debt The First 5000 Years, such as the “Credit Versus Bullion, And the Cycles of History” and “The Myth of Barter”. As with all books in the Pivotal Point Papers Series, this book is intended to be purchased alongside the reviewed title, Debt The First 5000 Years.

Brooklyn based author, artist and life coach – Ayana Hinton – debuts her memoir “You Can’t Charge Spiritual Debt to a Credit Card: 13 Keys to Spiritual Power” at a time when people are hungry to know what their purpose in life is. In this book, Ayana Hinton, dissects the anatomy of life crises in order to harvest some of the most powerful, beautiful and difficult life lessons from her journeys.

If you’re tired of living in debt and ready for financial independence, then Debt Free & Set for Life is your solution. Management consultant Les J. Tripp shows you how to become successful and achieve genuine wealth in every area of your life.Utilizing tried-and-true concepts of responsibility, hard work, and dedication, Tripp reveals how you can take control of your debts and credit nightmares to completely change your life. Tripp discusses the emotional impact of debt, the power money has over our lives, and even the way money contributes to our social standing. He also helps you analyze your spending habits, explains the difference between debt and equity, and explores the numerous benefits of investments.The road to financial success is not the path of least resistance, but with a true commitment to creating a better financial portfolio, you can enjoy financial freedom. Find relief from debt and pursue the lifestyle you were meant to have: Debt Free & Set for Life!

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• Notes: BRAND NEW FROM PUBLISHER! 100% Satisfaction Guarantee. Tracking provided on most orders. Buy with Confidence! Millions of books sold!

Popular Personal Finance Blogger Gives the Secret to Lasting Financial Health

Countless free budget plans are available for every possible income level and stage of life. So why do more than 60 percent of U.S. households still live paycheck to paycheck? The key to financial stability and success isn’t just about money–it’s about attitudes.

Rocha uses the lessons she learned overcoming personal debt to teach readers how to triumph over the lies we tell ourselves, such as “I deserve a treat,” “Fake it till you make it,” and “I can’t afford it.” Each chapter uses real-life examples to explain faulty thinking about money, followed by step-by-step instructions for how to overcome these pitfalls. Budgets are helpful, but real change won’t happen without a financial attitude adjustment.

Finally a book that will TEACH YOU step-by-step EXACTLY how to get out of the debts forever! Do you want to get out of the debts forever? Are you sick of trying and failing because you can’t be debt free? Do you want to be debt free but don’t know where to begin? Or are you sick of hearing about other people’s success, and finally want YOUR OWN SUCCESS? If you’re ready to change your life and start living a debt free life then THIS WILL BE THE LAST BOOK YOU WILL EVER BUY! I know… You may have already tried, but had no luck… Or you just have no idea what to do… It’s fine! “Debt Free Forever” book will solve all your problems! So why is this book so special? This book is NOT another piece of garbage book that just describes methods on how to overcome debts! This book is NOT a get-rich-quick scheme! This book CONTAINS step-by-step, detailed instructions for you to complete that will take you from nothing to having your own debt free live! There are too many garbage books out there that claim to help overcome debt problems, claim to help you with living on passive income, claim to give you the best tips and claim to bring you success. THEY ARE ALL GARBAGE and DO NOT help you in your pursue of debt free life… Trust me, I have read all of them in my days and NONE helped me. I had to learn through my own trials and errors, making mistakes for years. And TODAY you have the extremely fortunate chance to get your hands on a book that is NOTHING like the others. I promised myself that once I experience my own success, I would write a book that REVEALED EVERYTHING and taught people the REAL way to get out of the debt. But this sounds too good to be true? It’s absolutely not. It is 100% possible for you to get out of debt with ways I describe inside this book! All you have to do is read this book and TAKE ACTION. Follow through with all the steps, and before you know it you will be experiencing UNIMAGINABLE success! It’s Finally Time to Take Action. Don’t put it off any longer. Do yourself a huge favor and join the thousands of people who are debt free. If you are ready to work for this and achieve your dream – scroll up, get this book, and take the first steps to your new life TODAY! I am looking forward to seeing you on the inside, and further connecting with you by email, Twitter and my blog!