In her debut book Dear Debt, personal finance expert Melanie Lockert combines her endearing and humorous personal narrative with practical tools to help readers overcome the crippling effects of debt. Drawing from her personal experience of paying off eighty thousand dollars of student loan debt, Melanie provides a wealth of money-saving tips to help her community of debt fighters navigate the repayment process, increase current income, and ultimately become debt-free. By breaking down complex financial concepts into clear, manageable tools and step-by-step processes, Melanie has provided a venerable guide to overcoming debt fatigue and obtaining financial freedom.

Inside Dear Debt you will learn to:
– Find the debt repayment strategy most effective for your needs
– Avoid spending temptations by knowing your triggers
– Replace expensive habits with cheaper alternatives
– Become a frugal friend without being rude
– Start a side hustle to boost your current income
– Negotiate your salary to maximize value
– Develop a financial plan for life after debt

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.

A compilation of stories and insights about the debt collection industry through the eyes of someone who has experienced it. The idea of the book is to take specific and sometimes difficult situations that you may encounter and simplify them. It is designed to be used as a tool for the debt collection professional. Preview the book here: (copy and paste) http://www.jl38group.com/book-landing-page ***On Amazon Only*** You click on the “Visit Amazon’s Bill Lindala Page” for a slide-show preview of the book.***

In “How To Get a Bachelor’s Degree with Little to No Debt”, Sheena Hogue provides practical strategies to obtain a Bachelor’s Degree without all the debt. With Sheena’s insight, you’ll learn how: • Parents can prepare to send their child to college • High school students can get ahead with college courses • Parents & students can pay tuition outside of loans • Students can prepare for life after college As you learn strategies to minimize student loan debt, you’ll discover the joys of the college experience with friends, professors, and connections with employers.

In the years following the Glorious Revolution, independent slave traders challenged the charter of the Royal African Company by asserting their natural rights as Britons to trade freely in enslaved Africans. In this comprehensive history of the rise and fall of the RAC, William A. Pettigrew grounds the transatlantic slave trade in politics, not economic forces, analyzing the ideological arguments of the RAC and its opponents in Parliament and in public debate. Ultimately, Pettigrew powerfully reasons that freedom became the rallying cry for those who wished to participate in the slave trade and therefore bolstered the expansion of the largest intercontinental forced migration in history.
Unlike previous histories of the RAC, Pettigrew’s study pursues the Company’s story beyond the trade’s complete deregulation in 1712 to its demise in 1752. Opening the trade led to its escalation, which provided a reliable supply of enslaved Africans to the mainland American colonies, thus playing a critical part in entrenching African slavery as the colonies’ preferred solution to the American problem of labor supply.

The United States has gone off track, allowing domestic and foreign aid policies to be co-opted by a government—abetted by mass media—that serves special interests rather than the greater national good. Americans’ tendencies to trust, play fair, and help have been abused and require replacement by a realistic outlook.

The Vanishing American Dream posits solutions to get America back on the right track. Abernethy sees population growth driven by mass immigration as a major cause of economic and cultural changes that have been detrimental to most Americans. The environment has been degraded by over-crowding and increasing demands on natural resources. Work is cheapened by explosive growth in the labor force creating a buyer’s market. One salary or wage no longer supports a family and educates children. Women working outside the home is a necessity, not a choice, for most American families. Futhermore, feminism, aimed originally at balanced gender roles, has been turned viciously against males of all ages and ultimately against females through degrading their traditional and valuable contributions.

Abernethy proposes that Americans need time to regroup, untroubled by a continuing influx of foreign peoples. The family, small business, and responsive local government are centers around which a solvent and confident citizenry can prosper again.

Each one of us have at least two things in common. Money and dreams! What separates one person from another is when one person’s money or problems with money keeps them from their dreams. Those that are able to get control of their finances are the ones who are able to do what they love! If you have found yourself having more month than money or you are just trying to save more money then this is the book for you! Ja’Net speaks all over the country about the steps she took to pay off $50,000 of debt in 2 1/2 years and she shares those exact steps in this book! “Debt Sucks! Everyone’s Guide To Winning With Money So They Can Live Their Dreams!” will show you how to: Determine what your dreams and how to make those dreams reality. Create a “spending plan” that will allow you to still have fun while also getting out of debt! Build an “In Case You Are Breathing Fund” to have money for all emergencies. Turn your hobby into a business that makes you money! Find a better paying career in the “new economy.” AND SO MUCH MORE!

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?

In Randall Robinson’s view, racial problems can’t be solved until America is willing to face up to the devastating effects of slavery and educate all Americans, black and white, about the history of Africa and its people.

In his recent book, the highly successful Defending the Spirit: A Black Life in America, Robinson makes a stirring call to form the next legion of African-American leadership. Now, in The Debt, he argues that reclaiming the lost history of Africa and African-Americans will help provide a much-needed springboard for solving many of today’s problems-from finding new leadership within the black community to developing meaningful educational programs to helping black people empower themselves economically. Robinson also argues that the United States must be prepared to make restitution to African-Americans for 246 years of slavery, and the century of de jure racial discrimination that followed, via major educational programs and economic development. Robinson offers a solution-oriented approach to controversial issues of social justice in a style that is both personal and informative.

“Randall Robinson’s powerful and poignant story of personal and political struggle is one of vision, courage, and sacrifice.”-Cornell West, Harvard University professor and author of Race Matters (on Defending the Spirit)Randall Robinson, the founder and president of TransAfrica (a lobbying organization dedicated to influencing U.S. policy toward Africa and the Caribbean), recounted his heroic struggle to fight and overcome racism in the magnificent Defending the Spirit. In his triumphant follow-up, The Debt, he goes further than any previous black public figure in calling for reparations to African-Americans for the present-day racism that stems from 246 years of slavery. Citing compensation that Jews and Japanese Americans have received, he writes, “No race, ethnic or religious group has suffered as much over so long a span as blacks have and do still, at the hands of those who benefited … from slavery and the century of legalized American racial hostility that followed it.” In making his case, Robinson utilizes facts and figures that highlight the disparity between African-Americans and whites. While fully recognizing the monumental odds of this movement’s success, Robinson feels that the push for reparations will also greatly benefit African-Americans in nonmaterial ways: “Even the making of a well-reasoned case for restitution will do wonders for the spirit of African-Americans,” he argues. “It will cause them to at long last understand the genesis of their history–before, during, and after slavery–into one story of themselves.” –Eugene Holley Jr.

Product Features

• Used Book in Good Condition

Jack Winchester was a notorious hitman for a ruthless New Jersey crime family until a job went wrong, and he wound up serving time. Four years later, Jack is free and he wants out of the game, but his boss won’t let him go. Forced to take on one last job to make amends for what landed him in prison, he travels to the small town of Rockland Cove, Maine. There, he not only discovers that the target and money have disappeared; he finds himself falling for a damaged woman, and befriending an unruly son left behind. Under mounting pressure from his boss and local police–as well as the ghosts of his past–he must unravel the mystery and decide where his loyalties lie…before it’s too late.

Full standalone novel.