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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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.

Shipping imperfect software is like going into debt. When you incur debt, the illusion of doing things faster can lead to exponential growth in the cost of maintaining software. Software debt takes five major forms: technical, quality, configuration management, design, and platform experience. In today’s rush to market, software debt is inevitable. And that’s okay—if you’re careful about the debt you incur, and if you quickly pay it back.

In Managing Software Debt, leading Agile expert Chris Sterling shows how understanding software debt can help you move products to market faster, with a realistic plan for refactoring them based on experience. Writing for all Agile software professionals, Sterling explains why you’re going into software debt whether you know it or not—and why the interest on that debt can bring projects to a standstill. Next, he thoroughly explains each form of software debt, showing how to plan for it intelligently and repay it successfully. You’ll learn why accepting software debt is not the same as deliberate sloppiness, and you’ll learn how to use the software debt concept to systematically improve architectural agility. Coverage includes

Managing tensions between speed and perfection and recognizing that you’ll inevitably ship some “not quite right” code Planning to minimize interest payments by paying debts quickly Building architectures that respond to change and help enterprises run more smoothly Incorporating emergent architecture concepts into daily activities, using Agile collaboration and refactoring techniques Delivering code and other software internals that reduce the friction of future change Using early, automated testing to move past the “break/fix” mentality Scripting and streamlining both deployment and rollback Implementing team configuration patterns and knowledge sharing approaches that make software debt easier to repay Clearing away technical impediments in existing architectures Using the YAGNI (“you ain’t gonna need it”) approach to strip away unnecessary complexity

Using this book’s techniques, senior software leadership can deliver more business value; managers can organize and support development teams more effectively; and teams and team members can improve their performance throughout the development lifecycle.

Debt Free: How to Get Out of Debt Fast

If you are tired of the stress and financial pressure of being in debt, then this book is for you.

When you start applying the strategies outlined in this life-changing e-book, you will literaly the power* that comes from being in charge of your financial life!

You can get out of debt FAST…once you know how:

Step by step plan to get out of debt fastThe secrets about interest rates the banks don’t what you to nowHow to decrease interest rates!Developing a wealthy money minsetGreat resources to keep you organized, on track and accountable!

Your debt is holding you hostage..You NEED to become DEBT FREE. Get out of debt fast using this step by step system!

Noreena Hertz, one of the world’s leading experts on economic globalization, looks at the history of third-world debt and its crippling effects on people in developing countries.

Drawing from her impressive debt-relief campaign, fact-finding travels, and meetings with top-ranking officials, Hertz offers a probing analysis of the origins of this rampant burden and its evolution through the decades. With clear principles of justice, she uncovers the imbalance of power and misuse of corrupt dictators and reckless lenders.

Readers receive tips, resources and techniques for half-price living. Financial well-being is not measured by one’s income. It’s the money you don’t spend that gives you freedom to live the life you love.

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Our prediction for global economies and global asset markets heading into the turbulent 2016–2017 period is not meant to be alarmist, or a “Dr Doom” style forecast, but a realistic assessment of the facts around debt, demographics and disinflation, and then an extrapolation from those factors to individual economies and markets. Rather than simply being doomsayers, we intend to pen another book in 2017–2018, to take advantage of the expected undervaluation of global assets and economies that will occur as a result of the next recessionary phase. As such, we like to be contrarians, in both boom and bear cycles. Our strong sense is that the bull cycle that started in 2009, now nearly 7 years old, is slowly maturing. The time to make major asset allocation changes, whether you are a small investor or a major pension fund investor, is now, in advance of the turmoil. We are clear that we expect shares, property and other growth assets to fall by 30–50% in the coming 2 years. Commodities will fall by more than that, and currencies will fall by a fraction less. Either way, some major opportunities are there for the picking. We strongly advise our readers to think outside of the square, challenge consensus, be contrarian, and think for themselves, logically and sensibly. If they do, that is the path not just to profit but importantly to capital preservation in the turbulent years that lie ahead of us.

When 25 yr. old waitress, Brielle, receives a mysterious check for $250,000, she uses the money to pay for her mother’s very expensive cancer treatment, saving her life. Two years later, she is called to pay back her debt. All she has to do is travel to an isolated mansion and work for one year as a personal assistant to an arrogant asshole whom she hates. Wyatt Wild is a gorgeous alpha billionaire playboy who is not used to girls saying no to him. He has bedded models, actresses and socialites and then a waitress from some crappy roadside cafe dares to reject him. Who does she think she is? Wyatt always gets what he wants and his desires focus on the innocent and stubborn Brielle. Neither give in easily and they quickly get locked in a game of seduction. For a limited time, this standalone novel contains a substantial excerpt of the first book in the series, Falling for the CEO. Both are steamy books which follow two different couples. This is a hot and steamy romance, which is ideal for fans of Sylvia Day, J.S. Cooper, and Lauren Blakely

As their children grow up parents face increasing need to develop and guide their wise formal use of money. In the teen years, acquiring a credit card is a first foray. Then purchasing a first auto comes along. As post-secondary education nears, student loans arise. Graduation moves a better auto and a first condo or home purchase to the horizon. Increasing complexity and monetary magnitude of loan needs can be a scary challenge for people relatively new to debt.

Debt is a 4-Letter Word, but it need not be! is a book series that helps parents and young people to effectively maneuver through first-time debt worries. In The College Experience the reader walks along as a fictionalized Dad and daughter go through her independent need for a credit card for ongoing college expenses, financing her college dreams, considering graduate school, and planning for post-graduation repayment of student loans. One observes Dad’s caring teaching path; taken atop informed, strategic borrowing strategies he shares and uses as they make important decisions and take vital steps together. You see a parent become less and less overseeing and a daughter more and more self-reliant.

Debt is a 4-Letter Word, but it need not be! The College Experience volume includes:

• 20 LESSONS about typical college-related debt needs young families face

• 42 detailed hypothetical SITUATIONS numerically covering borrowing circumstances commonly encountered in real life college experiences

• Step-by-step explanation of needed calculation techniques

• 39 easy-to-do EXERCISES for the reader to try the illustrated calculation methods

• Table-based aids to simplify/expedite applying the detailed calculations procedures

While pragmatic and detailed, the book is written in a fun, narrative style so the reader will enjoy learning what otherwise might be unexciting financial matters.