THIS IS YOUR LIFE: YOUR FUTURE IS NOW We are all leaving a legacy. You are not alone if you feel the hourglass of life emptying quicker than you thought it would, and you lack peace, hope and a plan for your future, family, finances or faith. These are times of great uncertainty and turmoil not seen in generations. World unrest. Economic turbulence. Worldwide disasters. Radical terrorism. Crushing debt. Decaying morals. Struggling families. Tough times. The weight of these epic times require epic measures of readiness and action. A Lasting Legacy provides SOLUTIONS and PLANS to help you make your life count, to live with significant purpose and passion, to finish strong and pass the baton effectively to your children and grandchildren. Results and Benefits of "A Lasting Legacy" How to make a generational impact-learning to think and act with a generational mindset How to lead and build a thriving family and develop personal and family goals How to re-kindle your dreams and design a purposeful second half with no regrets Learn to discover your calling and use your gifts, while creating life balance Learn to deal with the seasons and phases of life and how to live healthy Learn to create, preserve and pass on timeless traditions and impactful memories Deal with generational differences and connect with your kids and impact family learned behaviors How to establish and pass on family values and establish intergenerational transfer How to parent purposefully, discipline effectively and strengthen your marriage Specific ideas for fun family relationship building activities, and volunteering opportunities Practical helps for becoming a spiritual leader and how to build a strong spiritual family What to consider in your children and grandchildren's education and how to save and pay for it How to prepare for the national debt time bomb and ensure you secure your families future Practical ways to save more money, control your spending, and how to set up a plan to get out of debt quickly, stay out of debt, and be financially free Helpful preparation for retirement and sound, proven, investment strategies How to gain internal peace and hope for the future and prepare for challenging times How to ignite your faith and know your God Helpful checklists, self-tests, worksheets, and references A Lasting Legacy doesn't stop with the "why to's," but provides you with a practical toolkit of "what to's" and "how to's" that will help you make a generational impact. It is an essential, comprehensive guide manual for LIFE "You hold in your hands a book that will change your life and the legacy you leave for your loved ones. I highly recommend A Lasting Legacy." - Kerby Anderson www.futurefoundationbuilders.com

WINNER 2013 INDEPENDENT PUBLISHER LIVING NOW BOOK AWARD GOLD MEDAL for the best new book in Finance/Budgeting. Do you have a credit card? Roughly 70% of adults in the U.S. do. In fact, Americans average 3.5 credit cards per person - that's a lot of plastic Even with all that buying power in their wallets, most consumers have no idea the ways that they use (or misuse) their credit cards can affect their health, their relationships, and their credit scores. Many factors go into mounting credit card debt: impulse shopping, health emergencies, the loss of a job, marriage, divorce, a death in the family. With this debt comes stress, arguments, loss of sleep, inability to pay other bills, worry, health problems, crumbling relationships... Does any of this sound familiar? Increasing credit card debt and a lack of knowledge about how credit cards really work have created a new social phenomenon called "The Plastic Effect." And if you have a credit card, The Plastic Effect can affect YOU. In this new book, internationally recognized credit card expert, Polly A. Bauer, CPCS and attorney Stephen Lesavich, PhD, JD, have selected 25 of the most common urban legends influencing the use and misuse of credit cards. The authors, as business leaders and credit card users, walk you through these urban legends about how credit cards are used and misused, explaining what is true and what is likely to cause you trouble. You'll get access to resources and additional information about each urban legend, tips from industry experts, and guidance that will help you use your credit cards more intelligently and effectively. You'll also learn how to understand your credit reports, improve your credit score and manage your debt in a way that puts the power back in YOUR hands. In short, this book will help you break free of The Plastic Effect.

By unlocking the mortgage industry's trade secrets, this indispensable book will help readers understand credit scoring and learn how to obtain-and improve-their credit reports. Many consumers don't understand the basics of credit reporting and scoring or how this information is used by lenders and service providers today. This book was written to remedy that. A no-nonsense guide, it teaches readers about credit reports and scores, shows them how to obtain and read their credit reports, and outlines ways to remove negative and inaccurate items. Readers will also learn about the latest consumer protection legislation concerning credit and lending and about changes in lending practices that can impact their financial well-being. The book details credit's impact on nearly every aspect of life, including employment; insurance; love relationships; services such as mobile phones and utilities; apartment leases; and auto, business, and home mortgage loans. It walks readers through the process of disputing negative items on credit reports and includes letter templates that can be used for that purpose. Finally, it provides readers with credit- and debt-management tips and describes state-of-the-art tools that can be used to foster better money- and credit-management habits. With this book in hand, a consumer should be able to achieve the higher credit score that is a person's greatest financial asset. Includes the latest information on banking and lending requirements in the post-credit-crisis environment Explains how new regulations and guidelines, such the Dodd-Frank Act, are impacting banks, credit, and lending Shows readers what will improve a consumer's credit score and what will damage it Spells out debt management strategies and debt solutions and shares tips on technologies that help with credit and money management Exposes common credit reporting and lending myths and secrets