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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.

I was happy in my small town. In my life as a single, thirty-two year old woman. I had a good job, wonderful friends, my independence. I also hadn’t got laid in three years. Hadn’t been on a date in two. Had stopped counting calories and wearing makeup… a while ago. Then Brett Jacobs waltzed in. Caressed my thigh, dug rough fingers into my hair, lowered his soft mouth to my skin, took sexual control of my mind and stirred it all around with what he packed in his pants. He flipped my quiet life upside down and crawled into a place in my heart I thought was dead. The issue is his secret. The issue is her. The issue is that I don’t even know she exists, and he thinks she’s dead. The issue is that shit is about to hit the fan and I can’t hold on to him tight enough.

Money- it’s a word no one can feel neutral about. Authors and money-management experts Lyle and Tracy Shamo say, “Like it or not, meeting basic needs has nothing to do with poverty and everything to do with how well we manage our money.” In this practical guidebook, the authors will help you take control of your money, teaching you how to pay off your debt-including your mortgage and car loans- and stay out of debt. Advanced computer software (included on a CD-ROM that comes with the book) will help you assess your financial status, learn more about where your money is going and discover how to channel it to the right places.

Communication strategies, financial crisis management, negotiation techniques, and litigation and bankruptcy tactics told through the stories of a loan workout and financial restructuring consultant. How do you protect yourself, or your clients, or your family and friends from aggressive creditors, lawsuits, and bureaucracy? When do you need protection from the advice of your own advisors and friends? Debt & Circuses is a true story of seven years of loan workouts, lawsuits, and bankruptcies during the Great Recession (2009-2015) and beyond. Debt & Circuses explains real-world negotiation strategy and courtroom tactics through the true stories of finance and accounting advisors, lawyers, and courageous entrepreneurs who followed the counter-intuitive, asymmetrical, and risky advice of a few creative consultants. Debt & Circuses demonstrates, through first-hand experiences, effective methods of: Preparing the mind (and your assets) for conflict. Coping with emotional pressure tactics. Responding to unreasonable demands constructively. Understanding why victory or defeat in court can be irrelevant. Preventing the two things that produce an unfavorable outcome. Negotiating with inferior bargaining power. Going on offense against an opponent with unlimited resources. Capitalizing on bureaucratic failures. Avoiding the big mistake made by all companies in financial distress. Clay Westbrook is an attorney and consultant who spent six years involved with over 100 loan workout cases, dozens of lawsuits and business bankruptcies, and $100s of millions of bad debts. He advises clients on business breakups, litigation and bankruptcy strategy, and negotiating with taxing authorities and governmental entities. He saw many spectacular wins in unlikely circumstances, learned valuable lessons from a few disappointing losses, and drew inspiration to tell the story from one woman’s experiences with debt collectors that destroyed her family and her future. “‘The mortgage company told us that we weren’t allowed to file for bankruptcy. They said it wasn’t an option,’ Maria explained. She didn’t realize what this meant. The mortgage company didn’t just lie to them; they violated state and federal laws in doing so. We might have had a case, or at least an issue to run with, which is usually enough. But it was too late.” The consultants quickly learn that to save their clients, they have to forget about “doing the right thing,”forget about the legal merits of the case, and forget about logic. The solutions come from psychology and math, human nature, and realizing neither side understands (nor cares) what the other side is saying. “After witnessing it firsthand many times, accomplishing the impossible takes specific knowledge, character, and action. As simple as it sounds, you rarely see all three when the cards are down. If they don’t have all three, they lose.” Achieving success against long odds is more than “when to stop paying,” or “if the bank files a lawsuit,cut your settlement offer,” or remembering to stash the Ferrari at a covered garage in Reno if the bank gets a judgment. Debt & Circuses shows: How to know and have the confidence to trust your instincts under pressure. How human nature affects the strategies and results conflicts are never “just business” and are always personal. Ways to identify and avoid traps lawyers, advisors, and others miss. The one principle that explains the entire process. Through the experiences of business owners and advisors, and the entertaining, if not ridiculous,stranger-than- fiction situations in which these people found themselves, Debt & Circuses provides essential knowledge and skills for surviving financial distress, and serving clients whose future depends upon your advice. “You are not alone. Don’t be frightened, and don’t feel hopeless. We will never, ever give up.”

Unlike many personal finance books, How to Manage Your Money When You Don’t Have Any was specifically written for Americans who struggle to make it on a monthly basis. It provides both a respectful, no-nonsense look at the difficult realities of life after the Great Recession and a hope-filled, easy to follow path toward better financial stability for even the most financially strapped households. Created by a financial expert who hasn’t struck it rich, How to Manage Your Money When You Don’t Have Any offers a first hand story of financial survival in the face of rough times. Rather than emphasizing wealth creation, How to Manage Your Money When You Don’t Have Any teaches readers to do the best they can with their income no matter its size. Content rich, personal, and jargon free, the book is opinionated and at times humorous. Full of current everyday references, it is meant to be a quick read which will appeal to the average reader just struggling to make ends meet.

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Sally was drowning in debt, the type of debt with no way out. Her naivety and kind nature had led to her being taken advantage of at every turn.

The lawyer for the card company added to her debt before pursuing her. He had his own secrets and issues, but he made her heart race and her body respond. Should she choose him, or his bitter rival, a complex and fascinating man who’d take great delight in breaking up her burgeoning romance, convincing Sally he was the better man?

She had to learn the hard way that rich men are ruthless; play in their world at your own risk. Sometimes, when your back’s against the wall, being a good girl is a luxury.

Which one is a knight in shining armor and which one is the devil incarnate?

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.

Greece isn’t the only country drowning in debt. The Debt Supercycle—when the easily managed, decades-long growth of debt results in a massive sovereign debt and credit crisis—is affecting developed countries around the world, including the United States. For these countries, there are only two options, and neither is good—restructure the debt or reduce it through austerity measures. Endgame details the Debt Supercycle and the sovereign debt crisis, and shows that, while there are no good choices, the worst choice would be to ignore the deleveraging resulting from the credit crisis. The book: Reveals why the world economy is in for an extended period of sluggish growth, high unemployment, and volatile markets punctuated by persistent recessions Reviews global markets, trends in population, government policies, and currencies

Around the world, countries are faced with difficult choices. Endgame provides a framework for making those choices.

Q&A with Authors John Mauldin and Jonathan Tepper

Author John Mauldin What is the debt supercycle?
Over a period of about sixty years, debt levels grew faster than incomes. This increase in debt became particularly pronounced in the 1980s, 90s and finally went parabolic after the Federal Reserve lowered interest rates to 1% after the Nasdaq crash. The increase in debt was not just a US phenomenon. As interest rates fell structurally with the fall in inflation from 1982 onwards, people took on more debt because it became more manageable. However, by 2008 the burden of debt became too much to bear and the debt supercycle came to an end. People started deleveraging and banks started collapsing due to low levels of capital and large losses from loans people couldn’t pay back.

How does the sovereign debt crisis play into this?
The rapid contraction in debt levels due to default and deleveraging lead to a fall in economic activity as people started saving and cutting spending. Governments immediately stepped in and backed bank debt with explicit guarantees. Governments also started borrowing and spending to transfer money to the private sector, for example via unemployment insurance. So in a very real sense, private borrowing was replaced with public borrowing. Debt was added onto more debt. Rather than free itself of debt, the system now has more debt. The sovereign debt crisis is the recognition that most of this debt will not be paid back, and governments are making promises to pay debt and other obligations, for example general spending and pensions, that they simply lack the ability to fulfill.

Author Jonathan Tepper The end of the debt supercycle and the beginning of the sovereign debt crisis present problems and challenges for investors and governments. Governments will need to either 1) inflate, 2) default or 3) devalue, which is similar to inflate. That is the way governments have historically dealt with too much debt. Some countries will experience deflation and others inflation, depending on what choices governments make. Currently governments have only bad and worse choices. Let’s hope they can choose wisely.

What do you predict for the next ten years?
Central banks globally have shown a predisposition to print money to solve problems. We forsee rising inflation in many parts of the world, reductions in real income as people lose purchasing power due to higher food and fuel prices and more macroeconomic volatility. Some countries that do not control their own money supply or are running pegs may experience deflation as they are forced to delever and cannot increase the money supply to counteract the weight of deleveraging.

You cite the events in Greece as an example of a country continuing to run massive deficits. Is there an example of a country making a better choice?
The UK is making some of the right steps to control spending, but even the UK could be more draconian. In nominal and real terms, government spending in aggregate will not be cut in the UK. Also, Iceland has made positive steps by defaulting on its debt effectively. Default is a good way to cure too much debt.

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