If you think credit cards can make your life hard by burdening you with debt, try living without them for a while. Unless you are living in a cave of Tora Bora, life can come to a complete stop without credit cards these days. How to strike the balance between enjoying the benefits of credit cards while avoiding their ills? This is just one of the questions you will find answers to in The Smart & Easy Guide To Debt Relief: The Ultimate Guide Book To Credit Cards, Debt Consolidation, Debt Settlements, Debt Counseling, Debt Management & Other Options To Pay Off Credit Cards & Become Debt Free. After reading this book, you'll know the ins and outs of credit card debt, and it's weighing down on you, you'll find yourself on the road to financial freedom. Here are a few more things about credit card debt that this book tells you: How to minimize the negative impacts of credit card use Unusual tips for getting and using credit cards Why credit card debts happen-how to get rid of them Easy steps for curtailing and eliminating credit card debt How to get help in case you are under debt Debt consolidation-pros, cons and procedure Methodical payoff versus bankruptcy Life after debt relief Written for today's fast paced world where people don't have much time to go through piles of information and guidelines, this book simplifies complex debt relief laws and procedures for an average reader, and provides complete step by step guidance to make and keep you debt free. The Smart & Easy Guide To Debt Relief: The Ultimate Guide Book To Credit Cards, Debt Consolidation, Debt Settlements, Debt Counseling, Debt Management & Other Options To Pay Off Credit Cards & Become Debt Free will help you all the way. Most people wind up under credit card debts because they are unable to comprehend the idea behind credit cards. They give in to impulses and slack on their payments, getting hit with late payment charges and heavy interest. The debt keeps piling until it becomes crushing, and the debtors find themselves unable to repay. Soon, people are looking for more credit cards or personal loans to pay the debts on their existing credit cards and keep the cycle going, but this cycle is more like a downward spiral, which gets them under heavy debt. Credit card debts are not uncommon in our society, though, and anyone who is lagging behind on payments should not feel ashamed to ask for legitimate help. The problem is (was) that very little impartial and genuine advice is available for people who are either already under debt or using the credit cards wrongly. All products rely on glitzy advertising to stir impulses, and credit card comes in handy when it's time to pay. There's no card that comes with a "use prudently" warning printed on its front side. Credit card users realize their problems only when they have ended up under debt. But The Smart & Easy Guide To Debt Relief: The Ultimate Guide Book To Credit Cards, Debt Consolidation, Debt Settlements, Debt Counseling, Debt Management & Other Options To Pay Off Credit Cards & Become Debt Free is here to help you get out from under it. This book provides valuable and unbiased guidance for all credit card users for avoiding getting into and getting rid of credit card debt. As credit cards are endemic in today's society, this book should be read by everybody who wants to use them smartly. Credit is good in the sense that you can avail discounts and get the things you want without wasting time waiting for the money to arrive. However, if you are not careful with how you spend and manage your credit card debt, you might be exposed to the unfriendly side of credit cards, a side that you don't want to see. Grab your copy today of The Smart & Easy Guide To Debt Relief: The Ultimate Guide Book To Credit Cards, Debt Consolidation, Debt Settlements, Debt Counseling, Debt Management & Other Options To Pay Off Credit Cards & Become Debt Free

Money Letters 2 my Daughter is the 2013 Book of the Year, Adult's Money Management; a national honor awarded by the Institute for Financial Literacy. In the book; mother, author, and financial literacy advocate, Jackie Cummings Koski shares her self-taught wisdom through a series of letters to her 17-year-old daughter about all things dealing with money and personal finances. If you feel you have lacked the basics to get your arms around your money issues, this is the book for you It will help you learn the things that will inspire you to finally trade in your stress and anxiety about money, for knowledge and power. Much of the book includes things that people have only learned after they've made life-changing mistakes. Only then do they ask the question, "why didn't anyone ever tell me that?" Well, Mom is telling you now, along with thousands of other people that are simply seeking some foundational knowledge about money. Most people did not grow up with positive financial role models in their lives and were never adequately educated about money--not at home, not in school, and not even in college. So here is your "textbook" on money matters that will raise your financial IQ. The help that you will get in this book will give you the power to make better financial decisions. Take a peek at the self-taught wisdom of this mother as she speaks to her daughter through her smart, no-nonsense Money Letters.

The questions every investor should ask before parting with their hard-earned cash

This book serves as an advocate of the consumer and brings to light what insiders know about the side of the sales pitches that consumers don't, but need to hear. "Stop the Investing Rip-Off" reveals the questions every investor should ask during a financial sales pitch before they pull the trigger and buy the next mutual fund, stock, advisory service, or other investment product.

Based on David Loeper's nearly twenty-five years of experience of seeing the inner workings of the industry, this updated edition of his classic book offers new strategies based on the performance of the stock market over the past two years.Sheds light on the oft unseen deceit of the financial services industryAn updated and revised edition of the bestselling "Stop the Investing Rip-Off"Written by David Loeper who is regularly quoted in "Kiplinger's Money" and "Investment News" and regularity contributes to "Forbes Intelligent Investing"

"Stop the Investing Rip-Off, Revised and Updated" is filled with advice for investors who want to avoid becoming victims of smooth talking salespeople and the effective advertising and marketing campaigns designed to evade reality and prey on your emotional desires.

Following the success of the international bestseller, 100 THINGS SUCCESSFUL PEOPLE DO, Nigel Cumberland turns his attention to wealth. 100 THINGS MILLIONAIRES DO distills all the wisdom and knowledge of a lifetime of starting and selling businesses and coaching hundreds of wealthy leaders into 100 short chapters of advice on building and retaining sustainable wealth. This is not a get rich quick book. Instead, Nigel explores the habits, tools, techniques and mentality of self-made millionaires and shows you how to begin your own journey to a wealthy future. Mixing simple instructions with activities to get you started, you will find mindsets, habits, and techniques here that will help you get the results you want. 100 THINGS MILLIONAIRES DO is packed with great ideas for creating long-term wealth and success for yourself and those you care about. You will discover the habits that are common to wealthy people and find out how to use them in your own life. Every chapter features a new idea that will help you get closer to your goals. Mixing simple descriptions with activities and exercises, you will learn the optimal mindset and habits you need to succeed. Praise for 100 THINGS SUCCESSFUL PEOPLE DO 'Inside these pages you'll find a powerful reminder of the many ways you can make your life - and other people's lives - more successful. It will help you identify what success means to you and give you the building blocks for making that success a reality. This is your chance to overcome whatever obstacles are stopping you. Read it, act on it and experience the difference' Marshall Goldsmith Ph.D., bestselling author of TRIGGERS

5 Star Graduation Gift for both College and High School grads Why do high schools and colleges require students to take courses in English, math and science, yet have absolutely no requirements for students to learn about personal money management? Why Didn't They Teach Me This in School? 99 Personal Money Management Lessons to Live By was initially developed by the author to pass on to his five children as they entered adulthood. As it developed, the author realized that personal money management skills were rarely taught in high schools, colleges and even in MBA programs. Unfortunately, books on the subject tend to be complicated, lengthy reads. The book includes eight important lessons focusing on 99 principles that will quickly and memorably enhance any individual's money management acumen. Unlike many of the personal money management books out there, this book is a quick, easily digested read that focuses more on the qualitative side than the quantitative side of personal money management. The principles are not from a text book. Rather, they are practical principles learned by the author as he navigated through his financial life. Many are unorthodox in order to be memorable and provoke deeper thought by the reader. Not only an excellent graduation gift for high school and college students but alos a great read for any adult

People wanting basic advise about stocks, bonds, mutual funds, retirement planning, and tax strategies are often frustrated by information overload. Picking the right book often seems as daunting as deciding what to do with their savings and investments. Investing 101 removes both roadblocks, putting people on a path they can understand and stick with. Kristof is renowned for taking the mystery and anxiety out of investing by keeping choices manageable.

FROM THE NEW YORK TIMES BESTSELLER
Does it seem like there is never enough money to do everything you want?
Do you want to feel confident about the financial decisions you make?
Have you ever felt frustrated talking about money with your loved ones?
You are not alone. Unfortunately, most of us were never taught how to think and communicate about money. The Money Code is a modern tale of one person's journey to uncover the five secrets to living his one best financial life. Through his voyage, you will learn how to:
- Prevent bad decisions about money
- Identify your Money Mind' Fear, Happiness, or Commitment and how it affects every financial decision you make
- Use a custom checklist to improve your entire financial life
- Clearly discuss decisions about money with the ones you love
- Finally take control of your financial life

For the past decade, gold prices have been on a "breathtaking ascent" and have reached some of the "highest recorded summits" in modern history. Many investors speculate that these values will rise even further.

History has shown us that the strength or weakness of the global economy determines the value of this "iconic" precious metal. Rising gold prices often "coincide" with weakening currencies and economic uncertainty and act as a "compass" indicating the direction the economy is heading. Being able to read this compass is critical

Beginning with the credit crisis of 2008 and the deep recession that followed, our Treasury has engaged in "massive stimulus" programs by "borrowing and spending almost $1 trillion"""and our central bank (the Fed) has supported a "massive and unprecedented expansion" of the money supply--both threatening to weaken our currency and trigger a painful cascade of inflation.

The meteoric rise in the value of gold reflects a common, global perception that world currencies, particularly the U.S. dollar, are "under threat." When investors distrust the stability of a nation's currency--especially a currency as important to global commerce as the dollar--they look for "hard assets of true value" that can protect their hard-earned wealth. Learn how you, too, can safeguard your wealth, hedge against adversity, and diversify your portfolio through gold investing.

In this book, you will find answers to those questions on "everyone's" mind:

- Why is the price of gold increasing so quickly and dramatically?

- What do these increases tell us about the health of the overall economy?

- Can gold be a safe haven for wealth and a hedge against economic turmoil?

- What does the modern investor need to know about gold?

- Where and how can I buy or invest in gold?

Building a comfortable and secure retirement is by no means the preserve of the youthful and brilliant. Many have soared into millionaire-dom later in life after bouncing back from starting late, making mistakes, suffering losses and discovering a strategy that makes a difference. These financial newbies regroup and discover a non-competitive, holistic, long-term and low-cost investment strategy that rejects Wall Street's shenanigans and contrasting values. This book is a story of how two teachers on educators' salaries managed to retire early with financial freedom, without financial advisers. They regained their previous losses as seasoned investors and show you how it's never too late to plan for retirement. Late-Bloomer Millionaires is vignette and observation, reflection and investigation.

A practical, informative, and accessible guide to getting started in trading

Louise Bedford has been coaching and mentoring traders for almost twenty years, and in "Trading Secrets, Third Edition" she's back to share what she's learned. Whether you're just starting out in the trading world, or you're an old hand looking for some new tricks, this book is for you. Packed with everything you need to get in on the action and consistently profit from the markets, "Trading Secrets" is your personal coach to becoming a trading mastermind.

Designed to educate, motivate, and guide you through the sometimes confusing world of trading, the book shows you how to set up a trading business and, most importantly, master your number one trading foe; yourself. Known for her witty and entertaining style, Bedford has demystified the world of share trading for thousands of investors and traders, and you're next.Brings together the processes, careful planning, and risk control techniques that Bedford has used throughout her own successful trading careerOffers fascinating insights into everything from how to handle a windfall profit to why men and women trade differentlyIncludes end-of-chapter review materials, essential for helping you master the material

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.

Jesse Livermore's Methods in Trading Stocks The material presented here first appeared as a continuing series of articles in the Magazine of Wall Street. They were obtained through exclusive interviews with Jesse Livermore by R.D. Wyckoff at a time when Livermore was the single most formidable factor in the market. After being "lost" for many years. these interviews are now brought together for the first time under the covers of a book.

Many people spend their lives searching for the means to acquire tremendous financial wealth. They look to external resources to give them what they want, and are ultimately disappointed when their dreams don't turn out the way they had planned. They either become incredibly wealthy at the expense of their spiritual well being, family, and friends, or they never acquire the riches they've aspired to, and in their disappointment, they discover they've lost all sense of self-worth.
The Wealthy Spirit is the only book that offers an approach to achieving both spiritual and financial wealth. Through a series of daily affirmations that focus on the reader's internal strength and capacity for change, this book will set them on a path toward personal enlightenment and wealth in body, mind, and spirit.
Using a day-to-day approach, readers will learn six keys:
--Think positive. Like mind over matter, mind over money begins with believing you deserve it and can get it.
--Send out ships. You can wait for your ship to come in, but if you don't send any out, it's going to be a long wait.
--Count your money. Money is a game and you have to know the score. The money score will tell you how well you're doing at steps one and two.
--Swim with dolphins. Being "in the swim" will depend largely on who you're swimming with. Find "your people" and avoid sharks.
--Survive the storms. You must weather interior storms as well as exterior ones. Persistence is key.
--Seek balance and enlightenment. Only from their perspective will you know when you have "enough."
The Wealthy Spirit offers readers peace of mind to help them build financial muscle and a successful, stress-free life.

The best book in the investment field I've read in years."

-Paul Erdman, New York Times Book Review

"The best... The book is eminently sensible and a pleasure to read."

-Kiplinger's

Probably the most famous book ever written on making money in real estate. William Nickerson and his book HOW I TURNED $1,000 INTO ONE MILLION IN REAL ESTATE IN MY SPARE TIME has probably created more millionaires than any other book in investing history. It simply is a masterpiece of common sense advice.

What can a Pure Trust Organization do for you? 1. Assets are protected 100% - #1 enemy in the world is litigation. 2. Protection from creditors. 3. Protection from liability suits. 4. Protection from malpractice suits. 5. Protection from employees. 6. Protection from personal bankruptcy. 7. Protection from excessive divorce settlements. 8. Avoids probate. 9. Avoids inheritance tax. 10. Avoids estate taxes. 11. Avoids court actions. 12. Eliminates attorney fees. 13. Eliminates or reduces Accountant fees. 14. Eliminates Executor's fees. 15. Eliminates or reduces Income taxes. 16. Frees tax dollars for capital appreciation. 17. Provides complete control over your assets through trustees. 18. No public record. 19. Ownership and title can be passed to heirs in complete secrecy. 20. Trust is perpetual - The Trust lives on continuously. 21. Heirs cannot change, challenge, or contest any wishes at you death. 22. The Trust is easy to maintain and very inexpensive.

The SMARTEST MOVES to INCREASE YOUR WEALTH...NOW! You may not be a millionaire now or in six months, but you can become one if you change your mindset and adopt proven financial strategies that have helped countless others become true millionaires. There's no need to live frugally to achieve financial freedom in the future. Instead, you should focus on making smart choices based on your personal needs and wants. Of course, you can't avoid spending some money but you'll want to figure out how to put aside funds and accumulate wealth for later years. Based on advice from the acclaimed newsletter, The Franklin Prosperity Report, you will learn how to: Maximize your Social Security income Make money in real estate without risking your investment Reduce your income tax payments Acquire income-producing dividend stocks Start your own business

2011 Reprint of 1922 Edition. Full facsimile of the original edition, not reproduced with Optical Recognition Software. Richard D. Wyckoff's writings never grow old. This book was originally published in 1922; it is still timely. Wyckoff's modus operandi was to have a small trading account ("not over five or ten per cent of my loose capital") and invest its profits into income-paying securities with the potential to appreciate in value. Wyckoff justified the size of his trading account psychologically. "There is a much greater satisfaction in operating with a small amount of money for various reasons: It makes you more careful, because, having set yourself to the task of realizing a large profit on a limited amount of operating capital, you plan your moves shrewdly and do not take risks such as you would if operating with more money." (pp. 42-43) And then there's the emotional high of seeing outsized returns on a percentage basis. Chapters Include: 1. My First Lessons in Investing and Trading 2. Profitable Experiences in the Brokerage and Publishing Fields 3. Why I Buy Certain Stocks and Bonds 4. Unearthing Profit Opportunities 5. Some Good Experiences in Mining Stocks 6. The Fundamentals of Successful Investing 7. The Story of a Little Odd-Lot 8. The Rules I Follow in Trading and Investing 9. Forecasting Future Developments 10. The Truth About 'Averaging Down' 11. Some Definite Conclusions as to Foresight and Judgement 12. Safeguarding Your Capital 13. How Millions are Lost in Wall Street 14. The Importance of Knowing Who Owns a Stock

2011 Reprint of 1948 Revised Edition. Full facsimile of the original edition, not reproduced with Optical Recognition Software. Drew's work, presented here in the 1948 expanded and revised edition, is a classic work in Stock Market Forecasting. "Mr. Drew presents for the first time a classified analysis of easily understood and tested specific methods for timing stock market operations--some of them entirely new." This book includes discussions of Dow theory, wave principles and moving average methods of market forecasting.

YOUR GUIDE TO SURVIVING AND THRIVING IN THE AI ECONOMY. No one can be completely sure what the future of work is going to look like, but it will likely be completely transformed by artificial intelligence. That means an uncertain future for Millennials, including the need to switch jobs, change occupations and learn new skills. Taking steps towards financial freedom and early retirement now, on your own terms, will put you in the driver's seat for what could be a bumpy road ahead. In OVERCOME AI, Wall Street expert Scott Gamm sets out a practical roadmap to financial freedom and early retirement. Discover: Why retiring early will become a necessity, not just a goal. How much money you'll need to live well without a steady 9-5 job. The importance of reducing or eliminating debt. How to invest in the stock market. How to use alternative retirement savings vehicles. OVERCOME AI is full of actionable investing information that can be applied within minutes of reading. This is truly the first book to provide a clear plan for wealth-building and financial security in the automation era.