Everyone knows college is expensive. In fact, the price tag might have you thinking you just can’t afford to go. But you can’t afford not to go. Cut College Costs reveals hundreds of ways you can cut costs while still getting a quality education. It will help you find the scholarships, grants, and other funding you need, and show you how to cut costs for everything from housing to books. Cut College Costs is filled with practical advice ? explained in clear language. The book explains the unique aspects of college and financial aid in straightforward, simple terms. Whether you’re 14 or 40, this book will help you get a great college education at a price you can afford. You’ll discover ways to save thousands. Every tip and trick is legal, ethical, and proven to work. Get the education you need ? while avoiding the debt you don’t!

Third Book in the NYT Bestselling Series. “I tried to play a game. I tried to wield deceit as perfectly as the Hawks. But when I thought I was winning, I wasn’t. Jethro isn’t what he seems—he’s the master of duplicity. However, I refuse to let him annihilate me further.” Nila Weaver has grown from naïve seamstress to full-blown fighter. Every humdrum object is her arsenal, and sex…sex is her greatest weapon of all. She’s paid the First Debt. She’ll probably pay more. But she has no intention of letting the Hawks win. Jethro Hawk has found more than a worthy adversary in Nila—he’s found the woman who could destroy him. There’s a fine line between hatred and love, and an even finer path between fear and respect. The fate of his house rests on his shoulders, but no matter how much ice lives inside his heart, Nila flames too bright to be extinguished.

Featuring more than 225 user-friendly handouts and worksheets, this is an essential resource for clients learning dialectical behavior therapy (DBT) skills, and those who treat them. All of the handouts and worksheets discussed in Marsha M. Linehan’s DBT Skills Training Manual, Second Edition, are provided, together with brief introductions to each module written expressly for clients. Originally developed to treat borderline personality disorder, DBT has been demonstrated effective in treatment of a wide range of psychological and emotional problems. No single skills training program will include all of the handouts and worksheets in this book; clients get quick, easy access to the tools recommended to meet their particular needs. The 8 1/2″ x 11″ format and spiral binding facilitate photocopying. Purchasers also get access to a Web page where they can download and print additional copies of the handouts and worksheets.

Mental health professionals, see also the author’s DBT Skills Training Manual, Second Edition, which provides complete instructions for teaching the skills. Also available: Cognitive-Behavioral Treatment of Borderline Personality Disorder, the authoritative presentation of DBT, and instructive videos for clients–Crisis Survival Skills: Part One, Crisis Survival Skills: Part Two, From Suffering to Freedom, This One Moment, and Opposite Action (all featuring Linehan), and DBT at a Glance: An Introduction to Dialectical Behavior Therapy (featuring Shari Y. Manning and Tony DuBose).

AMIDST THE WRECKAGE OF FINANCIAL RUIN, PEOPLE ARE LEFT PUZZLING ABOUT HOW IT HAPPENED. WHERE DID ALL THE PROBLEMS BEGIN?

For the answer, Jack Cashill, a journalist as shrewd as he is seasoned, looks past the headlines and deep into pages of history and comes back with the goods. From Plato to payday loans, from Aristotle to AIG, from Shakespeare to the Salomon Brothers, from the Medici to Bernie Madoff?in Popes and Bankers Jack Cashill unfurls a fascinating story of credit and debt, usury and “the sordid love of gain.”

With a dizzying cast of characters, including church officials, gutter loan sharks, and even the Knights Templar, Cashill traces the creative tension between “pious restraint” and “economic ambition” through the annals of human history and illuminates both the dark corners of our past and the dusty corners of our billfolds. 

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• Used Book in Good Condition

In difficult times, debt can be a matter of life and death, happiness and despair. Controlling debt can bring order and calm. Mastering debt can bring wealth and success. As bestselling Rich Dad Poor Dad author Robert Kiyosaki says, “Good debt makes you rich and bad debt makes you poor.”

The ABCs of Getting Out of Debt provides the necessary knowledge to navigate through a very challenging credit environment. A Rich Dad Advisor and best selling author of numerous business books, Garrett Sutton, Esq. and contributorGerri Detweiler, clearly speak on the key strategies listeners must follow to get out of debt. From there, the listener learns how to beat the lenders at their own game, and how to understand and repair your own credits. Using real life illustrative stories, Sutton shares how to deal with debt collectors, avoid credit scams, and win with good credit.

The times call for a book that offers hope and education on mastering credit and getting out of debt.

Borrowing from Peter to pay Paul?

The American economy is dragging, with unemployment rates rising and consumer debt hitting $2.5 trillion. Many people are in deep and need help. Here, a Certified Financial Planner explains the mathematics of debt; strategies to deal with credit card, mortgage, student, and other loans; why debt consolidation and taking loans from a 401(k) can lead to problems; truths about bankruptcy; and how to use debt while eliminating it.

*Includes essential resources and websites, sample letters and forms, loan forgiveness programs, bankruptcy resources
*Author a Certified Financial Planner
*Covers every kind of debt, mortgages to credit cards to student loans
*National credit card debt is growing exponentially

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• Used Book in Good Condition

Debt is a monkey none of us want on our backs. When we have debt we tend to have issues sleeping, eating and doing things in or lives that we want to do or have dreamed of doing for years. When we have debt we limit ourselves and our futures. In this book we will talk about credit and how you can get it. We will then move on to fifteen powerful tips and tricks that are generally overlooked when it comes to cleaning up your debt and building up good strong habits to live debt free. From there we will talk about ways to manage your life so that you don’t have to use credit as much. Learning to live without credit is a powerful way to stay debt free as well as having the ability to use your credit when it is really needed. So if you find yourself in a situation where you are getting deeper and deeper in debt and are looking for a way out or if you are someone young and getting ready to establish credit for the first time and need some advice on how to keep your debt under control before it even begins then this is the book for you. So without delay download this book today and master the art of getting and staying debt free.

Contents of the Book:

Chapter 1 – Understanding Debt and CreditChapter 2 – 15 Credit TipsChapter 3 – Management SkillsAnd much, much more

Getting Your FREE Bonus

Read this book to the end and see “BONUS: Your FREE Gift” chapter after the introduction and conclusion.

The staggering United States debt has a direct impact on every American, yet few are aware of where the debt came from and how it affects their lives
The United States has a debt problem—we owe more than $18 trillion while our gross domestic product, the value of all goods and services produced in America, is only $17.5 trillion. To pay down the debt, some recommend austerity, cutting federal expenditures. Others suggest increasing taxes, especially on the wealthiest Americans. In Understanding the National Debt: What Every American Needs to Know, economic historian Carl Lane urges that the national debt must be addressed in ways beyond program cuts or tax increase alternatives, but change can only occur when more Americans understand what constitutes our debt and the problems it causes. The gross national debt is composed of two elements: the public debt and “intragovernment holdings.” The public debt consists of bonds, bills, and notes purchased by individuals, banks, insurance companies, hedge and retirement funds, foreign governments, and university endowments. Intragovernment holdings refers to money that the U.S. Treasury borrows from other parts of the government, principally Social Security and Medicare. This accounts for approximately a quarter of the gross national debt, but that is money that we owe to ourselves, not another entity. The more the government borrows, the less is available for private sector investment, creating a “squeeze” effect that inhibits economic growth. The most burdensome problem is the interest due each year on the debt. Every dollar spent on interest is a dollar less for other purposes. Those elements of the federal budget which are termed “discretionary” suffer. The mandatory elements of the budget—Social Security, Medicare, Medicaid, and the interest on the debt—must be provided for, but defense and national security, education, energy, infrastructure repair and development, and other needs wind up with less. By understanding the national debt we have an opportunity to address our real debt challenge—its principal and interest.

Is it your intention to be debt free, or have more money??? Learn the same financial principles the wealthy use to get all the big buildings while we have all the little ones. It’s interesting, the only way to get approved for a loan, is to prove you don’t need one. We are brainwashed into believing we have to pay off all our loans before we can become successful. But why? Who is teaching this? I believe it’s the big banks and financial institutions who teach us to be debt free before saving for ourselves, and their agenda is very clear; get all of our money as fast as they can. This book exposes the truth behind how banks actually make money. It will show you the difference between compounding interest and amortized interest. You will learn the difference between the types of debt; the good, the bad, and the ugly. It will give you the tools necessary to create your own wealth, and if you do it correctly, with as little risk as possible.

Have you ever wondered why some past-due debt collectors love their jobs, are happy and extremely effective in what they do, while others hate their jobs are unhappy, and their collection abilities appear to be lacking? If so, this book is for you! Over the course of this study I hope to share with you the secrets of how to become a truly effective collector and love your job! Over the course of this study I will share with you the secrets of how to become a truly effective collector and love your job! Author: C. R. Tinsley is a dedicated professional with over 25 years of experience in the financial services industry. Beginning her career in 1989 at a Finance Company and finally retiring from a Fortune 100 financial services company in 2016. Mrs. Tinsley has learned a great deal about how to treat customers and how to be successful at collecting past due debt while truly loving the job! This book is designed to be a helpful resource for any past due debt collector who wants to be both successful and truly happy at what they do.