Let's face it: With the economy crumbling, Americans are looking for ways to cut costs and save. There is so much emphasis on living a Hollywood lifestyle that the appreciation of hard-earned money is easily forgotten. We value what we make and each of us comes up with ways to cut corners and save pennies.

Mortgage problems? Everything changed on June 1, 2012. This book will help. It's the consumer's version of federal rules for modifying home loans, current with important changes that took effect on June 1, 2012. If you don't know what to do. If you've applied for a modification, but it's taking too long. Even if you've been turned down. Rely on this valuable resource during a long, unfamiliar, and discouraging process. It can shift the balance of power and help you get control. Cut through technical jargon and specialized knowledge. Homeowners, landlords, and their trusted advisors now have a simple and complete reference when working with lenders. Step by step, it explains what you need to know and do to get a loan modification. The federal Making Home Affordable Modification Program sets rules for more than 85% of all home loans. What are the rules? Can I lower my payments? Is my lender required to modify my loan? Do I qualify? Does my lender play by the rules? Here are the answers to your questions, plus 12 questions to ask your lender. Now you can understand the guidelines that the big lenders like Bank of America, Chase, and Wells Fargo use to modify home loans. They claim they want to help. It doesn't matter - they are overwhelmed. Borrowers must take responsibility for themselves. This book makes that possible. Loan Modification 2012 Essential Guide includes helpful suggestions and practical tools. Use the forms, grids, and worksheets to calculate your new payment, complete financial information, and qualify for a modification. Look up unfamiliar, but crucial terms in the Glossary. This is the User's Manual for homeowners, landlords, and their professional advisors to get the most out of the Home Affordable Modification Program. Knowledge is power. Get the results you want and deserve.

“Dr. Phil,” Canada’s best-known automotive expert, invites another driver to come aboard. After forty-six years and almost two million copies sold, Phil Edmonston is joined by a co-pilot for the Lemon-Aid Guide — George Iny, along with the editors of the Automobile Protection Association. The 2017 Lemon-Aid has everything: an encyclopedic lineup of the best and worst cars, trucks, and SUVs sold since 2007; secret warranties and tips on the “art of complaining” to help you get your money back; and new-car buying tips that will save you tons of money by revealing the inflated cost of fancy and frivolous add-ons. Lemon-Aid is an essential guide for careful buyers and long-time gear-heads who don't know as much as they think.

'Matt Allwright is my idol. As a comic I'm supposed to say something funny about this book, but actually it's legit useful, helpful advice, written compassionately and clearly. I can absolutely see this becoming my consumer bible. Wonderful stuff!' - JOE LYCETT 'Every scam, rogue trader or poor excuse for shoddy service...Watchdog's seen them all. And leading the troops is the consumer superhero who has faced and fought every dodgepot going. Our Matt always has your back, whether he's wearing his cape or not.' - STEPH MCGOVERN 'Finally! A book that puts all the info in one place AND makes it funny. Matt is the best at this - making difficult stuff easy to swallow so that we can fight our own corners when he isn't there to fight them for us.' - GABY ROSLIN Keep your money in your pocket. In Watchdog: The Consumer Survival Guide, Matt Allwright will help you to help yourself amid the minefield of modern consumer rights and fraudsters, offering practical advice on how to sidestep pitfalls in all areas of life. Each chapter is built around relatable hurdles we all face - renting a flat, buying a car, securing our online data, booking a dream holiday and much more. Packed with useful tips, myth busters and case studies, Watchdog: The Consumer Survival Guide will leave you feeling empowered and save you some pennies along the way.

Drivers and fleet managers are looking for ways to reduce petroleum use, fuel costs and vehicle emissions. This guide has an expanded selection of vehicles that use gasoline or diesel more efficiently or not at all.