Financial Fresh Start PDF Download

Author: Shari Olefson
Publisher: AMACOM Div American Mgmt Assn
ISBN: 0814432298
Category : Business & Economics
Languages : en
Pages : 322

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Book Description
From depleted retirement accounts to underwater homes, it's been gloomy news for years. But the picture will get much brighter for those who take advantage of the laws and reforms enacted in the wake of the banking, real estate, and economic meltdown. The Dodd-Frank Act. The Making Home Affordable Program. The Consumer Financial Protection Bureau. These are just a few examples of the significant but little-understood changes that offer people an unprecedented chance to set things right with their credit, savings and investments, employment, housing, retirement and more. Financial Fresh Start explains it all-simplifying the complicated reforms and motivating readers to shake off their malaise and radically improve their long-term financial prospects. Written by a dynamic author with a unique blend of legal, financial, and real estate expertise, the book's big-picture lens spans the spectrum of money matters, and delivers clear, actionable answers to questions such as: * How can you repair your credit quickly and avoid high finance costs? * What are the safest places for saving and investing? * Can you legally avoid repaying what you owe? * Will your home ever be worth what you paid for it? * Is there life after foreclosure? * Are you missing out on programs that can put money in your pockets? * Is it possible to make up for recent losses and still retire on time? * And more Big corporations and the mega-wealthy have professionals to keep them abreast of the latest regulations. Now, everyday people can learn what the new rules really mean to them with the expert guidance and practical solutions in Financial Fresh Start.

Author: Deborah Levine Herman
Publisher: John Wiley & Sons
ISBN: 0471473618
Category : Business & Economics
Languages : en
Pages : 224

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Book Description
Don't get down, get started instead-with Fresh StartBankruptcy Well over a million Americans suffer the trauma of bankruptcy everyyear. But many don't know that bankruptcy may be the idealopportunity to rein in their out-of-control finances, get back ontheir feet, and start over anew. Fresh Start Bankruptcy is a friendly and non-intimidating guidethat walks you step by step through the filing process and providesthe sympathetic, expert advice you need to survive the ordeal.Attorneys Deborah Herman and Robin Bodiford provide the informedperspective that makes tough decisions simple. They'll help youdecide whether you should retain legal counsel or move forward onyour own. And if you do decide to go it alone, you'll find all theprofessional advice you need to make the process as quick andpainless as possible. You'll learn which chapter to file and how todo it, how to protect your assets and deal with creditors, how torepair your credit, and how to navigate bankruptcy court. Personal anecdotes included in the book prove that people of allwalks of life have gone through the process and come out strongerthan before-- and you can too! So, no matter how your financialtroubles came about, stop worrying and start over with the positiveoutlook and thoughtful guidance you'll find only in Fresh StartBankruptcy.

Author: Karen Blumenthal
Publisher: Crown Currency
ISBN: 0307588742
Category : Business & Economics
Languages : en
Pages : 210

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Book Description
Three years after the economic meltdown began, many of us are still reeling from its devastating effects. Maybe you're among the millions of homeowners who fell behind on their mortgages or you lost your home to foreclosure. Maybe you lost your job and have struggled to find a new one, meanwhile struggling with a drastically reduced income. Or perhaps you're one of the roughly 1.5 million Americans filing each year for bankruptcy. Or maybe you emerged from the meltdown relatively unscathed, but you've been recently divorced or widowed. Now, along with all the other accompanying emotional hardships, you must deal with a household budget that is dramatically changed. Maybe you experienced an unexpected health crisis that drained your savings or retirement account. Or perhaps you've simply grown tired of having so much debt. As tough as these situations are, they aren’t hopeless.. You have options. When the old \ rules for managing your finances no longer apply, you can take control of your situation, wipe the slate clean, and start over. Here, in the accessible, empathetic, and easy-to-understand style the Wall Street Journal Guidebook series is known for, veteran WSJ personal finance reporter Karen Blumenthal walks you through everything you need to know to leave the past behind you and get your financial life back on track. This includes how to: -Build a trusted team of professionals to help you navigate your new financial landscape -Get your credit record - the support beam of your financial scaffolding - back in order -Recalibrate your budget and weigh your big ticket expenses -Determine whether you can afford to stay in your home -Adjust your debts to your new situation -Assess your health coverage and other necessary insurance -Invest for your future retirement and other needs -Craft a sustainable plan for long-term financial health Whether you're recently divorced or widowed, or have declared bankruptcy or lost your home to foreclosure, or simply want to start with a clean slate, you can make a fresh financial start. Covering housing, insurance, health care, investing, debt, taxes, wills, and more, this book shows readers at all life stages and income levels how to adapt and adjust their finances to their new circumstances and get on the path to a better financial life.

Author: John Siebeling
Publisher:
ISBN: 9781956383034
Category :
Languages : en
Pages : 138

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Book Description
If you've ever worried about money, you are not alone. For most people, worry and finances are tied up together, but it doesn't have to be that way. It's not about making more money but rather about three simple, biblical steps that apply to all of us, no matter our income. This book will unpack the principles that allow you to lay a strong financial foundation, manage your resources wisely, and receive the blessings that come with living a generous, open-handed life.

Author: Suze Orman
Publisher: Hay House, Inc
ISBN: 1401959938
Category : Business & Economics
Languages : en
Pages : 321

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Book Description
The instant NEW YORK TIMES BESTSELLER WALL STREET JOURNAL BESTSELLER PUBLISHERS WEEKLY BESTSELLER USA TODAY BESTSELLER #1 PERSONAL FINANCE EXPERT Revised & Updated for 2023 THE PATH TO YOUR ULTIMATE RETIREMENT STARTS RIGHT HERE! Retirement today is more complex than ever before. It is most definitely not your parents' retirement. You will have to make decisions that weren't even part of the picture a generation ago. Without a clear-cut path to manage the money you’ve saved, you may feel like you're all on your own. Except you're not—because Suze Orman has your back. Suze is America's most recognized personal finance expert for a reason. She's been dispensing actionable advice for years to people seeking financial security. Now, in this revised and updated Ultimate Retirement Guide for 50+, which reflects recent changes in retirement rules passed by Congress, Suze gives you the no-nonsense advice and practical tools you need to plan wisely for your retirement in today's ever-changing landscape. You'll find new rules for downsizing, spending wisely, delaying Social Security benefits, and more—starting where you are right now. Suze knows money decisions are never just about money. She understands your hopes, your fears, your wishes, and your desires for your own life as well as for your loved ones. She will guide you on how to let go of regret and fear, and with her unparalleled knowledge and unique empathy, she will reveal practical and personal steps so you can always live your Ultimate Retirement life. "I wrote this book for you," Suze says. "The worried, the fearful, the anxious. I know you need help navigating the road ahead. I've helped steer people toward happy and secure retirements my whole life, and that's exactly what I want to do for you."

Author: Bob Burns
Publisher: HarperChristian Resources
ISBN: 1418558761
Category : Religion
Languages : en
Pages : 308

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Book Description
The Bible-based insights included in this revised and updated edition will give you the practical tools you need to recover from the trauma of divorce and complete the journey toward wholeness after the painful breakup of a marriage. Questions, self-tests, excercises, and practical information will enable you to: Find the right lawyer and settle your divorce as fairly and as quickly as possible Decide whether mediation is right for you Regain self-esteem and faith in God Move beyond betterness and anger into forgiveness and spiritual freedom Negotiate successfully your reentry into single life Deal with tough financial issues that inevitably arise Filled with hard-hitting information, The Fresh Start Divorce Recovery Workbook allows you to personalize each concept and focus on specific areas you need help with as you face the challenges of divorce or separation.

Author: David Bach
Publisher: Doubleday Canada
ISBN: 0307372103
Category : Business & Economics
Languages : en
Pages : 338

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Book Description
David Bach has a plan to help you live and finish rich—no matter where you start So you feel like you’ve started late? You are not alone. What if I told you that right now as you flip through this book, 70% of the people in the store with you are living paycheck to paycheck? What if I told you that the man browsing the aisle to your left owes more than $8,000 in credit card debt? And the woman on your right has less than $1,000 in savings? See? You’re really not alone. Unfortunately, the vast majority of people who’ve saved too little and borrowed too much will never catch up financially. Why? Because they don’t know how. You can start late and finish rich—but you need a plan. This book contains the plan. It’s inspiring, easy to follow, and is based on proven financial principles. Building a secure financial future for yourself isn’t something you can do overnight. It will take time and it will take work. But you can do it. I know. I’ve helped millions of people get their financial lives together—and I can help you. Spend a few hours with me—and let me challenge you. Give me a chance to become your coach. Just because you started late doesn’t mean you are doomed to an uncertain future. Whether you’re in your thirties, forties, fifties, or beyond, there is still time to turn things around. It’s never too late to live and finish rich. All it takes is the decision to start. —David Bach Is it too late for me to get rich? Over and over, people share their fears with David Bach, America’s leading money coach and the number-one national best-selling author of The Automatic Millionaire. “If only I had started saving when I was younger!” they say. “Is there any hope for me?” There IS hope, and help is here at last! In Start Late, Finish Rich, David Bach takes the “Finish Rich” wisdom that has already helped millions of people and tailors it specifically to all of us who forgot to save, procrastinated, or got sidetracked by life’s unexpected challenges. Whether you are in your thirties, forties, fifties, or even older, Bach shows that you really can start late and still live and finish rich – and you can get your plan in place fast. In a motivating, swift read you learn how to ramp up the road to financial security with the principles of spend less, save more, make more – and most important, LIVE MORE. And he gives you the time tested plan to do it. The Start Late, Finish Rich promise is bold and clear: Even if you are buried in debt – there is still hope. You can get rich in real estate – by starting small. Find your “Latte Factor” – and turbo charge it to save money you didn’t know you had. You can start a business on the side – while you keep your old job and continue earning a paycheck. You can spend less, save more and make more – and it doesn’t have to hurt. David Bach gives you step-by-step instructions, worksheets, phone numbers and website addresses --everything you need to put your Start Late plan into place right away. And he shares the stories of ordinary Americans who have turned their lives around, at thirty, forty, fifty, even sixty years of age, and are now financially free. They did it, and now it’s your turn. With David Bach at your side, it’s never too late to change your financial destiny. It’s never too late to live your dreams. It’s never too late to be free.

Author: Ronald W. Masulis
Publisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 168

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Author: Suze Orman
Publisher: Penguin
ISBN: 9781573222976
Category : Business & Economics
Languages : en
Pages : 412

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From one of the worlds most trusted experts on personal finance comes a "route planner," identifying easy moves to get young people on the road to financial recovery and within reach of their dreams.

Author: Dave Ramsey
Publisher: Thomas Nelson
ISBN: 1595555285
Category : Business & Economics
Languages : en
Pages : 266

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Book Description
Do you want to build a budget that actually works for you? Are you ready to transform your relationship with money? This New York Times bestseller has already helped millions of people just like you learn how to develop everyday money-saving habits with the help of America's favorite finance coach, Dave Ramsey. By now, you've already heard all of the nutty get-rich-quick schemes and the fiscal diet fads that leave you with a lot of quirky ideas but not a penny in your pocket. If you're tired of the lies and sick of the false promises, Dave is here to provide practical, long-term help. The Total Money Makeover is the simplest, most straightforward game plan for completely changing your finances. And, best of all, these principles are based on results, not pie-in-the-sky fantasies. This is the financial reset you've been looking for. The Total Money Makeover: Classic Edition will give you the tools and the encouragement you need to: Design a sure-fire plan for paying off all debt--from your cars to your home and everything in between using the debt snowball method Break bad habits and make lasting changes when it comes to your relationship with money Recognize the 10 most dangerous money myths Secure a healthy nest egg for emergencies and set yourself up for retirement Become financially healthy for life Live like no one else, so later you can LIVE (and GIVE) like no one else! This edition of The Total Money Makeover includes new, expanded "Dave Rants" that tackle marriage conflict, college debt, and so much more. The Total Money Makeover: Classic Edition also includes brand new back-of-the-book resources to help you make The Total Money Makeover your new reality.