With this nuts-and-bolts guide, both savvy and novice investors can discover the secrets to profiting from personal and corporate debt, including municipal tax liens, defaulted credit card debt, discount promissory notes, mortgage foreclosures, and micro loans. Anyone can participate in these investments, but not all of these options are as easy as calling a broker – they require some legwork and research – so many of these opportunities often go untapped.

While there are many books on alternative investment ideas, none provide this level of practical information and advice. How To Invest in Debt provides everything readers need to capitalize on these investments. Readers will discover:
How to find and purchase debt at a deep discount
How to do effective due diligence and pick the ones that are most likely to pay off
How to collect debt, and the secrets to making short-term high interest loans
Buying future streams of cash flow
Overcoming what could go wrong before it happens
And much more.
Dozens of charts, table, forms, spreadsheets, and diagrams empower readers to get started right away, with all the tools they will need to collect and analyze data and pursue the most profitable opportunities.

How To Invest in Debt shows that if you’re willing to do the work, you can profit from debt.

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.

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Urban Fantasy with a Cyberpunk Twist
***Second Season of Debt Collector***              
Recommended: start with Season One. 
 
What’s your life worth on the open market?
In this gritty urban fantasy, debt collectors take your life energy and give it to someone more “worthy”… all while paying the price with black marks on their souls.
 
“Wraith is amazing and just as compelling as Lirium–once again I’m hooked!!” 
“I loved being back in this world! Wraith has captivated me.” 

Wraith is a shadow in the night, haunting the bedrooms of the rich “high potentials” who have stolen life energy from the desperate and dying. The justice and the sweet mercy hit that follow keep her from falling into her own personal abyss. Her secret nighttime work also keeps her on level for her real mission: carrying on her father’s legacy of attempting to bring an end to debt collection as a whole. But when a mysterious debt collector interrupts her in the act and discovers her secret, everything Wraith loves may be destroyed by the one thing she can never fix– the original sin of being a debt collector herself.

Contains mature content and themes.
 
OPTIONED FOR VIRTUAL REALITY  BY IMMERSIVE ENTERTAINMENT 
2014 Semi-Finalist in Science Fiction in the Kindle Book Awards

The nine episodes of Season Two of the Debt Collector serial are collectively 127k words or about 468 pages. 
 
It is recommended that you start with the first season, but each season is a complete story for that debt collector and can serve as an entry point to the series. There are five planned seasons in the Debt Collector series, the first four each from the perspective of a different debt collector with the fifth season bringing all four together. 

READING ORDER

Season One – Lirium – COMPLETE
Episodes 1-9: Delirium, Agony, Ecstasy, Broken, Driven, Fallen, Promise, Ruthless, Passion

Season Two – Wraith
10 – Wraith (10.20)
11 – Specter  (10.27)
12 – Menace (11.3)
13 – Temptation (11.10)
14 – Shattered (11.17)
15 – Penance (11.24)
16 – Judgment (12.1)
17 – Corruption (12.8)
18 – Atonement (12.15)
BOX SET (Vol 10-18) – (12.15)
 

Today we play Grand Theft Auto San Andreas.

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In this video, I share with you how you can avoid debt forever and pay off debt faster using the Debt Avalanche Method!

If you liked this video, you will also enjoy:
? How To Be Rich and Successful At A Young Age: https://www.youtube.com/watch?v=py0qufx9phk
? How To Make $100/Day With No Money: https://www.youtube.com/watch?v=Mdgt7yoCKeQ

Music Credit: Bensound – Dreams

If you have any amount of debt to pay off, you’re probably wondering what debt elimination strategy will get you back in the positive in the fastest time frame possible. In the United States, debt has been skyrocketing year after year with personal consumer debt surpassing $4 trillion dollars in 2019 which means that Americans could be doing a much better job when it comes to paying down their debts. In this video, I am going to share with you one of the quickest methods of paying down your debt: The Debt Avalanche Method. And if you’re new to the channel, hit the subscribe button below for more informative content!

You’re probably asking yourself, what is the debt avalanche method? Do I need to be able to ski? Will it be cold? The Debt avalanche is a strategy of paying off what you owe by prioritizing loans and credit card balances with the highest interest rates. You see, while it sucks to have to look at a huge debt balance every time you check your bank balance, what’s worse is paying annoying interest charges. At least when you accumulated debt by buying goods and services you get value out of those things but interest charges are zero value-added expenses. Therefore, the goal of the debt avalanche is to minimize the amount of interest you pay, allowing you to put more money towards paying off the principle which in turn will allow you to be debt-free much sooner than if you were to use other strategies like the debt snowball.

Step #1: List out all of your debts
On a piece of paper or an excel spreadsheet, list out each one of your debts from the highest interest rate to the lowest. This could include anything from money you owe your brother, to credit card debt and even your car loan just to name a few. An important point to note is that you are arranging your debts from the ones with the highest interest rate and not the highest interest charge. While a large balance with a smaller interest rate may be costing you more money every month than the one with the highest interest rate, in principle, having the loan with the highest interest rate still outstanding is still the most costly.

Step #2: Make all your minimum payments
After you’ve listed out all of your debts from the highest to lowest interest rates it’s now time to write down each of their respective minimum payments. Every month, it is critical that you make the minimum payments on each one of your debts as missing payments will not only increase your debt but will also affect your credit score. In fact, being just 30 days late on a payment can reduce your credit score by up to 100 points making getting a future mortgage or even a job that much tougher. As a best practice, set up a reminder in your phone to make each one of your payments because often times life can get busy and having a reminder means one less you have to think about.

Step #3: Pay down extra on your highest rate debt
You’ve now set up your debt listing and have made all of your minimum payments, it’s now time to really get the debt avalanche rolling. In order to do this, what you’ll want to do is put any extra disposable income you have towards your highest interest debt. And if you’re thinking to yourself, I wish I had extra disposable income then it’s time to roll up your sleeves and get to work. Most people have more free time than they think and one of the best ways to use this time to make more money. This could be in the form of taking on more shifts at work or picking up side projects. No matter what this extra work looks like, the key is to funnel all that extra income towards your highest interest debt allowing you to pay it off as fast as possible.

Step #4: Keep the avalanche rolling
At this point, you are making solid progress at paying down your debts by prioritizing them and earning extra cash to put towards them. Within no time, you’ll be able to stroke off the first debt on your list allowing you to begin to focus your attention on the second one. In order to keep the avalanche rolling, you will need to do three things: continue to make the minimum payments on each debt, earn extra income and finally add all previous debts’ minimum payments to your new monthly debt contribution. So for instance, if the debt you just paid off had a $200 minimum payment, you will add that amount to the minimum payment contribution on your next highest debt creating an avalanche effect of a much greater payment. And this larger payment, when compounded with extra income you’re earning, will make your debt load evaporate in no time!

Hey everyone! Today’s video is a little bit of a debt update where I share my feelings about having so much debt hanging over our heads as well as how I have been budgeting in hopes of eliminating this debt for good.

My first debt video: https://youtu.be/i5tZHyvTv_8
Aja Dang’s video: https://youtu.be/Yvd0JwZj2hA
Jordan page budgeting video: https://youtu.be/VCr-54OH7IY

Hi! My name is Alyssa and I’m a new grad registered nurse. I passed the NCLEX in December and have started my first nursing job.

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Hypnosis to Let Go of Negative Attachments & Rebuild Confidence (Sleep Meditation Healing).

Hi and welcome to this hypnosis experience to help you release negative attachments and clear negative energy from your subconscious mind.

The subconscious (a.k.a. the unconscious mind) is where we store many core beliefs about our own identities. Hypnosis and hypnotherapy allows a better communication with our deeper beliefs, so that we may expand our personal choices, and positively change the sometimes unwanted ‘stories’ we often hold onto for too long within ourselves. In this way, a deep healing and personal transformation can take place.

All of the suggestions I have written for you in this track are designed to help you to heal: to discover your own dynamic powers to finally — and permanently — release such negative attachments; be they any memories, thoughts, images, sounds, or feelings you’d much prefer to fade away and let go.

This track will also prompt you to relax into a deep and restful place of sleep after all of the important subconscious clearing work has been achieved, so you may wake again feeling refreshed, rejuvenated and lighter inside.

If you enjoy this hypnosis experience, please consider liking this video and subscribing for more or my upcoming content.

Subscribe here: ? http://www.youtube.com/subscription_center?add_user=MichaelSealey

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Guided Meditation for Natural Healing Sleep: ? https://youtu.be/SZ1LNrvu03M

Sleep Hypnosis for Calming an Overactive Mind: ? https://youtu.be/uuzJffTliSc

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This guided hypnosis session is suitable for repeated listening. Regular listening to hypnosis will help compound all positive suggestions for your own self healing results.

The ending of this session will offer suggestions for the mind to drift and dream into a deep and refreshing, bedtime sleep. This track is also suitable for alleviating symptoms of insomnia, depression, over-thinking and anxiety.

#sleephypnosis #hypnosis #guidedmeditation

____
Original vocals and writing by Michael Sealey © 2019

Music credit:

“The Ecstasy of Being” – by Christopher Lloyd Clarke. https://www.christopherlloydclarke.com.
Licensed by Enlightened Audio.

Video loop via Colourbox

No Matter Where You Start, David Bach Can Help You Live and Finish Rich

With his national bestsellers Smart Women Finish Rich and Smart Couples Finish Rich, renowned financial advisor and educator David Bach has taught millions of people of all ages and incomes how to take control of their financial future. His message, that the key to building wealth is “values first, stuff second,” has inspired people all over the world. Now, The Finish Rich Workbook gives couples and singles alike a new opportunity to tailor his advice for their individual circumstances. Combining the down-to-earth, jargon-free approach that has made him so popular with the hands-on practicality of a workbook, this new addition to the Finish Rich series is like having a one-on-one session with David Bach. You will learn how to:

• Use the power of the Latte Factor™, David Bach’s international recognized approach to building wealth on a few dollars a day.

• Apply the Debt Free SolutionTM, a powerful way to reduce debt quickly and repair your credit in the process.

• Organize your financial life in minutes with the FinishRich Inventory Planner™ and File Folder system, including a pull-out summary of where you stand financially.

• Craft a personalized FinishRich QuickStart™ plan–a to-do list for today, this month, and this year, so you can get started right away.

• Find the perfect financial advisor by using the FinishRich Advisor Questionaire™ to find, interview, screen, and score an advisor before you hire them.

Whether you’re working with a few dollars a week or quite a bit more, Bach’s nine-step program will help you put the Finish Rich wisdom right to work for you.

A white marriage is no match for dark desires. Sir Percival Hanbury is prepared to pay almost any price to regain his family’s ancestral seat. Yet the demand of its current owner, the Earl of Stanville, sets his teeth on edge. Wycombe Oaks can be his-if he agrees to marry the earl’s disgraced daughter. With memories of his first marriage still tormenting him, Percy never intended to marry again. But if he refuses, the castle will be razed. Lady Letitia’s beauty and fortune proved no match for scandal, costing her a fiancé and her reputation. The last thing she wants is to instead marry a boorish country squire, but the alternative is even worse. In spite of himself, Percy finds his resistance melting in the face of Letitia, an accomplished artist who takes deep interest in his family pile. Until all that’s left is sizzling desire. And while the broad-shouldered, handsome baronet far exceeds Letitia’s grim expectations, he’s a harder challenge than his half-ruined castle. But to trust a woman again, Percy must face dark secrets from the past…and learn to trust himself, as well. Warning: Contains English country gossip, vengeful plots, a brooding, tormented baronet, and a feisty lady who refuses to let anything break her spirit.

Sovereign nations don’t have to borrow their money into existence, yet the U.S has done so since 1913. You cannot “pay down” the National Debt because all of our money is created out of debt. To reduce the debt would be to reduce the national money. The only solution is to do what’s been done many times throughout U.S. history, issue debt-free U.S. Notes, instead of Federal Reserve Notes and break free of the debt money system. The problem is the same for every nation on earth, as is the solution. Nations don’t have to borrow; nations can create.