Book Description
There is a growing financial epidemicyoung adults are taking on more student loan and consumer debt than ever before, but finding it harder to pay it off. With tuition and living expenses rising every year, and the average college student graduating with over $18,000 in debt, many are trapped and cant find a way out. Now, this definitive book offers the financial advice necessary to help readers navigate their way toward a debt-free future. Informative, timely, and entertaining, GENERATION DEBT teaches readers how to: Get a grip, set goals, and make financial plans by identifying needs vs. wants Employ the B word (Budget) to lower bills Master loans with payback options and consolidation strategies Learn good debt vs. bad debt and be smarter with credit cards Understand interest rates and fees, and shop for the best rates and services Take advantage of employee savings plans, stocks, bonds, and mutual funds And much more.
Customer Reviews:
I feel cheated!.......2007-09-06
This book is similar in some ways to
Strapped . . ., by T. Draut, another book I have reviewed recently; however, this one is supposed to be more of a self-help guide. Reading through it today, I see the author has a few good tips, but honestly, I cannot imagine that this is actually going to help anyone get out of debt. The best advice she gives is to give up the lattes at Starbucks, but how can giving up something that probably costs about $60.00 a month actually save you a lot of money? For people who have so little anyway, maybe the latte is the only motivation for actually going to a depressing job that pays so little! Also, most of us already in credit card debt are unable to magically get rid of that debt so easily as she claims. Is there a magic wand? Hello! The only answer is consolidation when it's gotten this out of control; remember, because of our current president (who drove his own companies into bankruptcy) now we have to pay back everything to creditors, so now filing for bankruptcy is out of the question. This is just one of several ploys by government (in collaboration with big companies) to make sure they get richer while the middle class and the poor are worse off. Those who should be reading this book should be the very people in politics and big business (actually, they're not really human but Evil Incarnate if you ask me) I just mentioned. In the end, I am sorry, but for all her good intentions, this book isn't going to help the average college graduate get out of debt. I feel cheated.
Quick, Easy resource.......2007-07-02
I LOVED this book! As a college student facing debt from student loans and a particularly difficult case to solve this book helped me out a lot! Quick and easy to read, straight and to the point answers and lots of resources. I recommend it to anyone who needs fast answers on how to get their financial lives in control!
Alright, but definitely not a must-read.......2007-05-15
I bought this book after reading some good reviews, and I wish I paid more attention to the mediocre ones. Admittedly, the book is an easy read, has a good dose of humor and the author relates well to those in their early to mid-20's (mainly because she's a member of this generation). While the book would be useful to high school students and the occasional completely clueless college student, it offers little to no new information to anyone else. (to give perspective, I'm 23 years old, am a recent college grad and am employed full time) Ulrich simply re-stated well known facts - young adults today are broke, they have too many student loans and too much college debt, etc., etc. - and offered cliche advice. There was nothing in this book that I did not already know, i.e. don't default on student loans, pay of high interest credit cards ASAP, and so on and so on. Overall, not a completely useless read, but you're better off borrowing one from the library.
Underrated and Crucial.......2006-11-12
I am 25 and considering my knowledge of this subject matter to be above average. I wish I'd had this in college or even in high school. This book doesn't try to solve your problems but to help you understand what is going on and what can be done about it. I have a brother in college and sister in high school. They will both be getting a copy from me. It is a great reference tool. It's not that the book is groundbreaking, but the author is very good at telling you only what you need to know. She translates everthing for the common person.
Decent, but not a end-all.......2006-08-05
This morning I finished off Generation Debt by Carmen Wong Ulrich and I feel pretty mixed about it. The book starts of very strong by putting all the financial issues facing college students and those who just graduated by putting everything in context. While I've been thinking more and more about student loans and that these are a big deal to start thinking about now, instead of as a post-college concern, this section really showed me the long term impact this is going to have. Even if I have limited means to start paying them off, I can be budgeting much better and be planning for the future.
Unfortunately, this is where the book slows way down. It's all very practical knowledge and I now know what I need to do when I need health insurance, I understand what's happening a bit more in my, albeit, small retirement fund and what I need to consider when I need to upgrade to a new car. However, I didn't come away feeling like I knew how to manage my money very well. The budgeting chapter near the beginning takes a few steps in the right direction, but I think it was generally pretty weak. It does address the philosophical side of finances, it establishes the need vs. want consideration that we should always have in mind when buying things, but it doesn't go much further than that. Sure, there are some handy tips and throughout the book it tells you what you need (insurance, retirement, savings, etc.) but less so on the day-to-day things.
I also started Your Money or Your Life this morning and I suspect this will be much more what I'm looking for. Generation Debt seems like it's the perfect book for know what to do in specific circumstances, but it needs a stronger foundation to build on. Maybe the perfect solution is to read the first chapter of Generation Debt, switch to a book more like Your Money or Your Life and then return to it once you've laid the foundation better. But that's all just speculation.
I'm going to give it 4/5 stars, but it's not an end-all and you should plan on doing some other reading as well.
Customer Reviews:
If its not law that we pay taxes then why are we?.......1999-03-20
This book explains the SCAM! The federal tax code book says that income taxes are collected as a voluntary contribution, then why are we "forced" to pay, this book is the door way to freedom!!!
Excellent explantion of national banking power........1998-10-24
This book describes the insidious threats undertaken by a select group of moneyed powers to destroy our Constitutional rights given to Congress in the control of money, regulating its value, and the right of the country's money supply belonging to its citizens.
The author does an excellent analysis of the British intent to destroy America's fledgling financial dreams of a money system for the people and created by the people. Through its agents of Jay Cooke & Co., the Rothschilds and the traitorous Senator from Ohio John Sherman (brother of Gen. Wm. T. Sherman) the rise of the national banks and their sole intent to destroy the Constitution by controlling and regulating the supply and value of the country's money. Drawing on numerous 'hidden' sources -- memos, letters, etc. -- the book describes exceedingly well the worst in political and financial corruption encountered in the 19th Century.
This book explains the dialectics of money power eloquently and scholarly. Concentrating mainly on the 19th Century (it is a little weak on the Hamilton, Jefferson and Morris discussions first exposing the differences in financial power prior to 1792 and the discussions in determing what a dollar or 'unit' consists) nevertheless, it rightfully places Andrew Jackson as perhaps the greatest president in exposing the corruption of the (Second) Bank of the United States and the seditious acts of those associated with it (or instance its president Nicholas Biddle, et al.) and most importantly, providing the clarion warning call to all 19th, 20th and 21st Century sons of liberty that giving away the people's control of the money system is the primary constitutional threat to sovereignty this country faces.
The state banking era (1837 to 1862) however is not properly addressed (perhaps the author believed this was the era in which decentralized banking practices were in accord with the intent of those who framed the Constitution -- we will never know), and neither is there a full expose of those individual interests in forming the power basis of national banks with the exception of the secret meetings of John Sherman (in 1867) with British financiers. Obviously, at the time the book was written, the national banks had completely corrupted the financial system to the point where so much of the system's weaknesses were blatantly noticable by all (debters and creditors alike) but those very few who derived maximum benefit. The state banking era was but a temporary memory between the interlude between the collapse of the corrupt (second) Bank of the US and the rise of the corrupt national banking system (which was in guise a reincarnation at a tempt at a central banking system -- the National Banking Association in NY called the shots much like today's Fed. Res. system).
The 1862 to 1875 period is rightfully exposed as the most politically and financially corrupt period of the national banking era. Until 1873 gold and silver bullion was freely coined into money on account of the depositer at the mint, thereafter, on the account of the US Treasury. The mysterious circumstances surrounding the congressional passage of the Act of Feb. 12, 1873 is exposed and evidence is presented on why so many in Congress changed their voting records to promote passage of this act. Furthermore, the big mystery of why the silver dollar was deleted from the list of coins to be made on the final draft of the bill remains today. The effects of this would shape the debate between the silver and gold interests until 1900. Thereby, 1873 is rightfully exposed by the author as the last year the US could be a creditor nation, thereafter it was indebted to those interests who controlled politics and finances. With most of the later quarter of the 19th century the moneyed interests attempted to destroy the greenbacks (Resumption Act of 1875) and government financial instruments in hopes to promoting a debt based financial system where the money does not belong to the people but must be had through the banks at high rates of interest.
To a great extent the national banking system brought about a system that succeeded in creating a central banking power controlling the political and financial system in the country. While the forms change with time, legal prowess and the vagaries of the Supreme Court, the insidious greed of the heart finds new modes of concentrating money and power.
In summation, the book is an excellent scholarly written overview on the rise of the banking system of this country. Numismatic researchers of both coin and financial paper too will find it highly rewarding. It is highly recommended.
The Comong Battle.......1998-03-11
"The world is governed by far different personages than what is imagined by those not behind the scenes"--Benjamin Disraeli "Those unaware are unaware of being unaware"--Merrill Jenkins, Monetary Realist.
For nearlyone-half century, the news industry strove to keep us fearful of a being enslaved by a country that we were feeding and financing and this was absurd! President James A. Garfield (1831-1881) stated:"Whoever controls the volume of money in any country is absolute master of all commerce and industry"( including the news industry) He was shot.
It is apparent that the total effort of those in power is to control the volume of money by all means fair and foul so that they will remain our absolute masters. This message concerns the controlling of the volume of money.
There were people who hated the U.S. Constitution as it was being written and there has always been such people since it was ratified over 200 years ago. Congress was granted the power to provide penalties for counterfeiting. Naturally, counterfeiters don't want either interference or penalties. Nevertheless, in the Mint Act of April 2, 1792, Congress provided a penalty of death for officers of the mint who might participate in debasing our gold and silver coinage. This harsh penalty was deemed necessary because those wise men knew that unrestrained counterfeiters could overthrow the republic. Where are we now? FEDERAL RESERVE BANK OF RICHMOND, KEYNES ON INFLATION, PG.6 KEYNES IS QUOTED FROM HIS BOOK, ECONOMIC CONSEQUENCES OF PEACE. " LENIN IS SAID TO HAVE DECLARED THAT THE BEST WAY TO DESTROY THE CAPITALIST SYSTEM WAS TO DEBAUCH THE CURRENCY. BY A CONTINUING PROCESS OF INFLATION, GOVERNMENTS CAN CONFISCATE SECRETLY AND UNOBSERVED, AN IMPORTANT PART OF THE WEALTH OF THEIR CITIZENS. BY THIS METHOD THEY NOT ONLY CONFISCATE, BUT THEY CONFISCATE ARBITRARILY. AND WHILE THE PROCESS IMPOVERISHES MANY, IT ACTUALLY ENRICHES SOME. LENIN WAS CERTAINLY RIGHT. THERE IS NO SUBTLER, NO SURER MEANS OF OVERTURNING THE EXISTING BASIS IF SOCIETY THAN TO DEBAUCH THE CURRENCY. THE PROCESS ENGAGES ALL THE HIDDEN FORCES OF ECONOMIC LAW ON THE SIDE OF DESTRUCTION, AND DOES IT IN A MANER IN WHICH NOT ONE MAN IN A MILLION IS ABLE TO DIAGNOSE."
FEDERAL RESERVE BANK OF RICHMOND, KEYNES ON INFLATION, PG.10 KEYNES IS QUOTED FROM HIS BOOK, TRACT "Keynes argues that inflation is a method of taxation, which the government uses to secure the command over real resources. Resources just as real as those obtained by ordinary taxation. What is raised by printing notes is just as much taken from the public as is a beer duty or an income tax. A government can live by this means when it can live by no other. It is a form of taxation which the public finds hardest to evade and even the weakest government can enforce when it can enforce nothing else."
Book Description
Failure to pay back your student loan can mean having your wages garnished, tax refund intercepted and your credit damaged. Take Control of Your Student Loan Debt presents simple, effective ways for you to get out of student loan debt.
The book clearly explains:
• what the repayment options are
• how to postpone repayment
• how to avoid default
• how to handle collection efforts by the government
• how to get out of default
• when to choose bankruptcy
Take Control of Your Student Loan Debt includes sample forms and letters.
Download Description
"Failure to pay back your student loan can mean having your wages garnished, tax refund intercepted and your credit damaged. Take Control of Your Student Loan Debt presents simple, effective ways for you to get out of student loan debt. The book clearly explains: ? what the repayment options are ? how to postpone repayment ? how to avoid default ? how to handle collection efforts by the government ? how to get out of default ? when to choose bankruptcy Take Control of Your Student Loan Debt includes sample forms and letters. "
Customer Reviews:
Take Control of Your Student Loan Debt.......2006-07-12
This book is amazing!!!! I have read all of the other books out there... searching for the detailed information that I needed to help me get out of default one step at a time. This book finally did it! There is NO way that I could have rehabilitated my loan without learning how to negioitate with my guareenteer from this book!
Out of date, not detailed enough.......2006-02-17
Needs to be updated, many of the phone numbers in the book do not exist anymore. It is not detailed enough, way too basic. Does not go into enough details about which laws apply to student loans and what the laws are. It was OK, but not great. You can get the updated material at NOLO website, but better to wait and see if they just update the book.
Generalized Information.......2004-01-30
The author has taken information which is available in your student loan packet and from your lender, complied it with inaccuate state information, compiled it into a book and given it a title. A total waste of money. I returned the book for a refund.
Excellent (not perfect) General-Purpose Student Loan Advice.......2001-04-01
I an an ex-lawyer with considerable exposure to some student loan issues. This book still told me things I did not know. I recommend it for people with minor, moderate, or severe student loan difficulties who are not thoroughly familiar with the rules governing their loans, or who are looking for new ideas on how to deal with their loans.
This is not to say that anyone should rely on this book by itself. Things often get complicated when you proceed past the general-purpose advice to the specifics of your own case. The primary value of this book is to alert the reader to the overall shape of the problem or solution.
My copy describes itself, on the back cover, as a "substantially updated 2nd edition." Its title page indicates it was last revised in February 2000. This may well be true. If so, I would distinguish "substantially" updated from "fully" updated. The book repeatedly refers to court decisions that are now a number of years old -- describing a 1993 case, for example, as "recent."
In addition, I have some concerns about the book's accuracy. For instance, in discussing the legal defense known as "laches," the author says, "[I]n only one case has a former student defended against a lawsuit claiming laches." (Pg. 7/37.) This is incorrect, and I believe it was mistaken even at the time of the first edition.
I would say that the author also misphrases the state of affairs when s/he says, "In general, you cannot assert the defense of laches against the government." A more accurate phrasing would be that "the defense of laches is unlikely to succeed against the government." There appears to have been some softening on the issue in other contexts in recent years, and other courts reviewing the one case to which the author refers have not generally said that the case -- granting a discharge to the student on grounds of laches -- was decided wrongly under its particular circumstances.
To provide one other example of error, on page 10/13 the author lays down the blanket rule that a student loan cannot be discharged in bankruptcy if it was made by a government unit. This is not what the law says. In context, I suspect the author meant to say that it CAN be discharged in bankruptcy if it is NOT made by a government unit. The book does explain the relevant laws more carefully elsewhere; the net effect of this error will probably be (a) to mislead a few people who do not read those other sections and (b) to confuse everyone else.
The important thing is to use a book like this to gain a general orientation to the issues, and take seriously its final chapter, which offers a bit of advice on how to do your own legal research. If you proceed that way, you will tend not to be confused by the occasional imperfection in general-purpose books like this one (and at this point, I don't believe anyone can help making at least an occasional mistake), and with a fair amount of effort you will probably be able to save yourself the expense and hassle of making obvious, costly, time-consuming errors in deciding how to proceed with your own case.
I have not found another book with anywhere near as much useful information on the subject of handling student loan debt. I highly recommend this book to anyone who is willing to use this book as one should use any legal authority: read it, understand it, and double-check its conclusions.
Product Description
You will get the #1 Best-Selling Book and BOTH accompanying CDs for Christian Success. The Booklet will teach you the 7 Keys for Christian Success. You can reach your Goals & Dreams with Gods help! Learn the secrets to Praying Powerfully and getting Answers to YOUR Prayers. Positive Affirmation Prayers are Faith-Filled, Biblical, and focused on Solutions! Learn to speak and Pray the best of Gods Bible Promises. Positive Affirmations and Inspirational Prayer for your Spiritual, Financial, and Total Victory! The Verses of Victory CD has over 101 of the very Best of Gods Bible Promises for your every need. Learn to speak and pray Gods promises and Gods purpose for your life! Affirm and confess Gods words over all other opinions or circumstances! God has never broken, any promise He has spoken! Hearing and praying Gods word will fill you with FAITH and BELIEF. Jesus said, "All things are possible to those who believe!" Most people miss a prosperous life because they speak and pray wrong. This will transform your inner Self-Talk to become positive and encouraging. Inner Success = Outer Victory! Grow closer to Jesus and learn His will for your life by speaking His word! You can accomplish much more WITH God, than without Him. Being in unity with God, attracts His Favor and Blessings to you! Lots of Praise and Thanks in these Faith-Filled Prayers! Positive Prayers always keep God and Spiritual Blessings First! This Booklet and the CDs will reveal the 7 secrets that will bring you true Happiness and Blessings! * 100% guaranteed satisfaction on all products! * You will be blessed by this Booklet and the CDs! * These also make great Christian Inspirational Gifts!
Product Description
History: Fiction or Science? is the most explosive tractate on history ever written - however, every theory it contains, no matter how unorthodox, is backed by solid scientific data. The book is well-illustrated, contains over 446 graphs and illustrations, copies of ancient manuscripts, and countless facts attesting to the falsity of the chronology used nowadays, which never cease to amaze the reader. Eminent mathematician proves that: Jesus Christ was born in 1153 and crucified in 1186 The Old Testament refers to mediaeval events. Apocalypse was written after 1486. Does this sound uncanny? This version of events is substantiated by hard facts and logic - validated by new astronomical research and statistical analysis of ancient sources - to a greater extent than everything you may have read and heard about history before. The dominating historical discourse in its current state was essentially crafted in the XVI century from a rather contradictory jumble of sources such as innumerable copies of ancient Latin and Greek manuscripts whose originals had vanished in the Dark Ages and the allegedly irrefutable proof offered by late mediaeval astronomers, resting upon the power of ecclesial authorities. Nearly all of its components are blatantly untrue! For some of us, it shall possibly be quite disturbing to see the magnificent edifice of classical history to turn into an ominous simulacrum brooding over the snake pit of mediaeval politics. Twice so, in fact: the first seeing the legendary millenarian dust on the ancient marble turn into a mere layer of dirt - one that meticulous unprejudiced research can eventually remove. The second, and greater, attack of unease comes with the awareness of just how many areas of human knowledge still trust the three elephants of the consensual chronology to support them. Nothing can remedy that except for an individual chronological revolution happening in the minds of a large enough number of people.
Customer Reviews:
Calculations are only as good as your numbers.......2007-08-03
Yes, we can all agree that mainstream history is nearly 100% BS due to politics, economics, ego, problems with dating techniques, and various conspiracies. Agreed. But, I've been researching the distinct possibility that human history (in terms of civilizations) are much more ancient than we've been told, so coming across this book was very interesting to me. I wondered how Fomenko could be wrong (if at all) because he is very persuasive in his presentations. Then it dawned on me. If at previous times in prehistory, due to the various catastrophies that are well documented (comets, asteroids, planetary disruptions, plasma discharge, pole reversals, etc) the Earth was in a different position in relation to the sun, different tilt on its axis, different orbit, different rotation (in terms of velocity and DIRECTION), and the continents were in different positions, then would this not cause the ancients to see the sky (constellations) differently? In other words, is Fomenko making erronious assumptions about the physics of the Earth in pre-history, which then corrupt his data with regards to dating the relevant astrology? The last event to seriously disrupt our planet occured roughly 3500 years ago, according to other good researchers, so is it possible Fomenko has been confused by this? The vastly different physics of our planet in the not so distant past may explain this confusion, which is not to say the "mainstream" version of history is correct; on the contrary. I am not an expert in these fields, but wanted to see if this idea could spark discussion.
Pants on fire?.......2007-07-19
Will people ever read before spamming? Yes, Jesuits could not rewrite world history alone, they had help. Anyway, Dr Prof Acad A.Fomenko does not point to jesuits as the driving force of world wide history manipulation in published volumes 1,2,3;, actually he barely mentions the poor devils. Check it with 'Search inside' feature, please. China is rarely mentioned either, in fact, Dr Fomenko is completely eurocentric. Right, his theory contradicts all mainstream schools of history, because in their actual state they are all built on blatantly erroneus chronology. You don't need a mysterious cabal (conspiracy) to falsify history, the falsification is its modus operandi. It is inherent to history(ians) to falsify (distort) events, as it is inherent to humans to boast as it is inherent to power (authority) to legimize itself by referrring to glorious past made to its own order. Dr Prof Fomenko and team have identified scores of instances of such manipulation in Russian, European, etc.. history, and delivered valid statistical proof thereof. His own 'reconstruction' is completely another story. Forget c14 as a valid method of dating. W.Libby has initially discovered a brilliant method of INDEPENDENT dating. Too bad, c14 method has become a joke after a forced marrige with dendrochronology with consensual chronological scale inbuilt. Radiocarbon method can't stand blind tests, but is so very productive as a rubberstamp.
Accepted History & Chronology Must Be Changed. .......2007-04-09
There is no doubt that history as most know it is a sham, & institution's version of History both University & Church is fradulent & inaccurate. Everything was established with an agenda, The real "Dark Ages" are now when we have access to incredible amounts of information past authorities & more important 'common folk' didn't have but our institutions & educators are slow to evolve because of what has ignorantly & arrogantly been taught for too long. This is on many subjects not just Chronology.
For anyone to question "Why would a Mathematician have anything credible to say of History?" The answer is from Dr. Fomenko's preface in the book: "It would be worthwhile to remind the reader that in the XVI-XVII century Chronology was considered to be a subdivision of Mathematics." These volumes could possibly be some of the most important works to date & should be read by everyone with an interest in History, especially professors & educators who have a duty to the public. I have read both books & must say that 'Chronology 1' has some very eye opening & revolutionary information. Even if these volumes are part true the implications are profound & opens the doors to further investigations & questions which must be done. I speak several different lanquages & must say the logic Dr. Fomenko uses with "inflection" of words & words being read from left to right in one region & right to left in another then written backwards, the removal of vowels & get down to basics of words, or different cities & locations having the same name etc. is correct. Vowel usage has always been optional & varied, actually complicating linquistics & study. The first thing one has to understand is that words never had a fixed spelling in history like we do now, the spelling of words was mutable & regional, as well as names & titles of people were vast, varied & changed, NOTHING WAS FIXED or understood linear. Matters of Life & Death as well as financial profiteering yesterday & today were & are made with ignorant, illogical & conspiratorial views of history & reality, it's time people get closer to the Truth & society collectively grow up.
Very Interesting.......2007-03-07
It is a good proposal and I believe it will mature into something even better in the future. I think it deserves to be read.
History as Science Fiction.......2007-01-10
Anatoly Fomenko has written a very intriguing book, full of pictures, charts, and computer 'proof' of his thesis: backwards of AD900 we don't really know what happened or when. Between AD900 and AD1600 there is more certainty, but there is still a lot of fuzzy ground, and things don't get reliable until we get past the 1600's where the printing press made it very difficult for the perpetrators of this timeline manipulation to change anything that had been committed to print. The Dark Ages did not happen. Books were burned for a reason. One organization has doubled the actual length of its existence by expanding the real chronology. Read why.
I had always wondered why Christ died about AD33 and yet men waited until the 11th century to form the Knights Templar, the Cathars, etc and go after the Holy Land by force. Why the 1000 year gap? Turns out there wasn't more than a 10-12 year gap and he proves it using astronomy. This also implies that the planet is not as old as we have been told, and current Christian and other creationist scientists are already championing that idea without being aware of Fomenko's book. The two groups, creationist scientists and the Russian mathematical analysts corroborate each other. Fascinating.
Of course, all this flies in the face of what we have been told traditionally is the 'proper' chronology of western civilization, and most readers will experience 'cognitive dissonance' in reading this book. It means that our history going backwards from AD1600 becomes progressively more incorrect and unreliable until it cannot be trusted at all... in the space of 700-800 years.
Naturally, the curious, open-minded reader will want to know WHO did this, WHY, and did any of the events we think of as really ancient ever happen?
Dr. Fomenko is a respected scientist/mathematician at Moscow State University who has already answered these questions to the satisfaction of his initially skeptical colleagues. Most of them are now believers, a few still refuse to believe (the usual diehards), and of course the western press has ignored Fomenko's work -- for obvious reasons when you read the book. The ones who perpetrated this chronology ruse have a lot to answer for. They are still with us. That's why this book is a well-kept secret.
I gave the book a 4-star rating because I was unable to check out some of his claims; those I checked were as he said. But if even 1/3 of his claims are true, this punches a big hole in what we think is our history, the meaning of western civilization, our educational process (for repeating the ruse as gospel), and the trustworthiness of the organization that perpetrated this ruse, well-intentioned or not.
This book relates to current research into a Young Earth paradigm, to John Keel's discoveries about our planet, and Fr Malachi Martin's insights (in his now out-of-print books). We are indeed sheep who are manipulated and kept ignorant -- for a reason. While knowing what these men have to say may be the "booby prize" (as in: 'what can you do with this knowledge?'), it will provide interesting reading. Didn't someone say: "...and the Truth will set you free."?? For you to judge if this book contains the truth.
Book Description
How the Rich Get Richer
If you're like most Americans, debt is a way of life. So what separates the rich from the poor? The wealthy use debt to improve their financial situation—we call that “Smart Debt”-and the poor use debt for instant gratification and just keep getting deeper in the hole.
Smart Debt is getting the best interest rate, budgeting the right amount of your income to pay off debt, and borrowing only what you can afford. Smart Debt puts your money to work for you.
In this book, you'll discover money-saving strategies for every type of debt:
- Mortgages
- Education loans
- Auto loans
- Business loans
- Credit cards
- And more
We'll transform the way you look at debt and let you in on the best-kept secret of America's wealthy: how to borrow money to make money.
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Stochastic Optimal Control, International Finance, and Debt Crises
Jerome L. Stein
Manufacturer: Oxford University Press, USA
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Cooperative Stochastic Differential Games (Springer Series in Operations Research and Financial Engineering)
ASIN: 0199280576 |
Book Description
This book focuses on the interaction between equilibrium real exchange rates, optimal external debt, endogenous optimal growth and current account balances, in a world of uncertainty. The theoretical parts result from interdisciplinary research between economics and applied mathematics. From the economic theory and the mathematics of stochastic optimal control the author derives benchmarks for the optimal debt and equilibrium real exchange rate in an environment where both the return on capital and the real rate of interest are stochastic variables. The theoretically derived equilibrium real exchange rate - the "natural real exchange rate" NATREX - is where the real exchange rate is heading. These benchmarks are applied to answer the following questions. * What is a theoretically based empirical measure of a "misaligned" exchange rate that increases the probability of a significant depreciation or a currency crisis? * What is a theoretically based empirical measure of an "excess" debt that increases the probability of or a debt crisis? * What is the interaction between an excess debt and a misaligned exchange rate? The theory is applied to evaluate the Euro exchange rate, the exchange rates of the transition economies, the sustainability of U.S. current account deficits, and derives warning signals of the Asian crises and debt crises in emerging markets.
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- Welcome to the Jungle. Kill or be killed.The simple truth...
- Controversial Book
- Let's Get Down To The Nitty-Gritty..
- Bad Advice
- Excellent Guide to help control your finances!
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Debt Control: How To Get Out of Debt and Stay Out of Debt
Chris J. Richards
Manufacturer: Emerald Ink, Inc./Emerald Ink Publishing
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ASIN: 1885373198 |
Customer Reviews:
Welcome to the Jungle. Kill or be killed.The simple truth..........2002-06-30
This book is the answer to the real cold hard questions of life. The author is not afraid to tell the un-politically correct truth about most of the credit world. It is you against them.
You hear many people reviewing this book whining about "The moral obligation to pay your debts". What do I have to say to that? "Knock, Knock...Wake up Neo, the Matrix has you". "You are a slave, Neo..." Go Buy or rent the Matrix DVD.
Wake up and smell the coffee. The credit card corporations would sell you and your children's flesh to boost their profit margin. Their goal is to load you up with the most debt, at the extreme highest interest rate, to keep you paying the rest of your life, without pushing you into bankruptcy.
Moral lenders? Minimum payments on credit cards take 15 years to repay the balance...If! You don't use them anymore. "The moral obligation to pay your debts", Give me a break! Buy, Read this book, then give it to another victim of the credit world! Wake Up!!!
Controversial Book.......1998-12-04
Debt Control is an interesting book with many controversial ideas. The author seems to think that the people can get away from paying their debt using the "Statutes of Limitations" Rule, for their state. After reading his book, I looked up the Fair Credit Act and found that he left out some clauses to certain laws on credit and the rights of the creditors and customers. It was fair price for the content of the book. I have read some other credit books by Steinberg and Russell, two of my favorite authors. Some of the terms are confusing because there is no definitions or terms to define them.
I would recommend this book if you have nothing better to do. I did find the listing of creditors to request credit reports from helpful and the list of the state's representatives helpful.
Let's Get Down To The Nitty-Gritty.........1998-12-04
Debt Control is one of the few books written in simple English, without all the fancy-schmancy legal terms and idiosyncrasies of how-to-get-help books. It is filled with significant sources of good and legal information, from how to buy a house (Mr. Richards' next book) to how to do a budget to the infamous chapter on CREDIT CARDS. The written words are easy to understand and he includes real-life examples that people can actually relate to. I have invested in a few how to repair credit programs and have wasted money trying to figure out how to use the program, only to realize it was a rip-off. His straight to the point attitude on the subjects of money and personal finances can be found within the pages of this priceless 200 page book. It will be the best 200 pages of information you will ever invest in. (Just think it costs you less than a penny per page and cheaper than the price of dinner to get information that will change your life.)
Bad Advice.......1998-11-18
This book, Debt Control, contains incorrect information about the banking laws and gives consumers the wrong advice on finances. If a bank lends you money, and you don't have the monies to pay it back within time, Mr. Richards is telling the consumers that it is okay not to pay it back. How can this be? If one loans you money, then it is your obligation to pay it back to the creditor! It is your obligation. Mr. Richard's book is not a good source of true financial information.
Excellent Guide to help control your finances!.......1998-11-10
I found the book very interesting and informative. The information provided would cost $1000's of dollars in fee's from legal representation. In fact, I'm not sure that an attorney would beable to provide as practical and as usefull of information as in the Debt Control book.
Inconclusion, after purchasing and reading several books on this subject, Debt Control is by far the best source for information on the subject of managing ones money and controlling debt on the market today.
Product Description
5-1/2" x 8-1/2" BOOKLET
Book Description
Subtitled
The Ultimate Guide If You Want to Take Control of Your Finances, Clear Debts and Increase Your Wealth, this guide to managing money shows how to tackle debts, knock finances into shape and… enjoy a high standard of living at the same time.
Books:
- Global Economic Issues and Policies with Economic Applications
- History: Fiction or Science? (Chronology, No. 1)
- History: Fiction or Science? (Chronology, No. 1)
- History: Fiction or Science? (Chronology, No. 1)
- History: Fiction or Science? (Chronology, No. 1)
- How to Buy a House in California
- How to Buy a House in California
- How to Invest in Real Estate With Your IRA and 401K & Pay Little or No Taxes
- How to Make Money With Real Estate Options: Low-Cost, Low-Risk, High-Profit Strategies for Controlling Undervalued Property....Without the Burdens of Ownership!
- How to Make Money With Real Estate Options: Low-Cost, Low-Risk, High-Profit Strategies for Controlling Undervalued Property....Without the Burdens of Ownership!
Books Index
Books Home
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