Spending and inflation have sent credit card debt soaring to a record high of nearly a trillion dollars, and credit card companies are offering perks to try to get more people to sign up. Javier E. David, a CBS News contributor and the managing editor for business and markets at Axios, joined Vladimir Duthiers and Anne-Marie Green to discuss what customers need to look out for.

#news #economy #inflation

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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.

Dave Ramsey knows what it’s like to have it all. By age twenty-six, he had established a four-million-dollar real estate portfolio, only to lose it by age thirty. He has since rebuilt his financial life and, through his workshops and his New York Times business bestsellers Financial Peace and More than Enough, he has helped hundreds of thousands of people to understand the forces behind their financial distress and how to set things right-financially, emotionally, and spiritually.

In this new edition of Financial Peace, Ramsey has updated his tactics and philosophy to show even more readers:

how to get out of debt and stay outthe KISS rule of investing—”Keep It Simple, Stupid”how to use the principle of contentment to guide financial decision makinghow the flow of money can revolutionize relationships

With practical and easy to follow methods and personal anecdotes, Financial Peace is the road map to personal control, financial security, a new, vital family dynamic, and lifetime peace.

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.

Product Features

• Used Book in Good Condition

Considering debt settlement? Negotiate and Settle Your Debts guides you to an extremely inexpensive way to do your own negotiating and settling of credit card debt.

ALSO INCLUDED ARE WHAT THE BANKS ARE ACCEPTING AS SETTLEMENTS AS OF DECEMBER 2012.

Save thousands of dollars and improve the quality of your life with this very informative gem of a book. Contents are sample Debt Settlement letters , Instructions on the timelines, How and when to start negotiating with your creditors, What happens each month you go late, Credit Repair Letters, Information about the Statute of Limitations and FDCPA, Information about the IRS Debt Forgiveness laws including Insolvency. Recent debt settlement letters of the authors from Bank of America for 20 cents on the dollar show that the strategies in this book really work.
These are easy to follow steps, which allow you to take back control of your financial future. Take action on your credit card debt today and discover the secrets the debt settlement companies and banks don’t want you to know!

Product Features

• Used Book in Good Condition

There is an unexploded bomb in the global financial system, threatening to bring the greatest disruption to the lives of people since the Depression on the 1930s. This potential explosion has been created by dereliction of duty by the world’s largest central banks, which have helped to create an unsustainable illusion of personal wealth and national prosperity, exposing the public to uninsurable risks in the process. This volume looks at how this economic timebomb has been created by unchecked credit expansion and the potential havoc it could wreak.

Product Features

• Used Book in Good Condition

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This is the first video in a series of videos about my experience with credit card debt.

For this video I wanted to just keep it real, a little real talk.

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– settling credit card debt
– mindset for money
– moving forward

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Millions of college students are graduating with debt and now borrowers owe a total of $1.5 trillion nationwide. Mark Strassmann reports.

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