In his acclaimed book American Theocracy, Kevin Phillips warned of the perilous interaction of debt, financial recklessness, and the spiking cost (and growing scarcity) of oil- warnings that are proving to be frighteningly accurate. Now, in his most significant and timely book yet, Phillips takes the full measure of this crisis. They are a part of what he calls "bad money"- not just the depreciated dollar, but also the dangerous attitudes and the flawed products of wayward mega-finance. His devastating conclusion: In its hubris, the financial sector has hijacked the American economy and put our very global future at risk-and it may be too late to stop it.
“Humorous and forthright...[Gaby] Dunn makes facing money issues seem not only palatable but possibly even fun....Dunn’s book delivers.” —Publishers Weekly The beloved writer-comedian expands on her popular podcast with an engaging and empowering financial literacy book for Millennials and Gen Z. In the first episode of her “Bad With Money” podcast, Gaby Dunn asked patrons at a coffee shop two questions: First, what’s your favorite sex position? Everyone was game to answer, even the barista. Then, she asked how much money was in their bank accounts. People were aghast. “That’s a very personal question,” they insisted. And therein lies the problem. Dunn argues that our inability to speak honestly about money is our #1 barrier to understanding it, leading us to feel alone, ashamed and anxious, which in turns makes us feel even more overwhelmed by it. In Bad With Money, she reveals the legitimate, systemic reasons behind our feeling of helplessness when it comes to personal finance, demystifying the many signposts on the road to getting our financial sh*t together, like how to choose an insurance plan or buy a car, sign up for a credit card or take out student loans. She speaks directly to her audience, offering advice on how to make that #freelancelyfe work for you, navigate money while you date, and budget without becoming a Nobel-winning economist overnight. Even a topic as notoriously dry as money becomes hilarious and engaging in the hands of Dunn, who weaves her own stories with the perspectives of various comedians, artists, students, and more, arguing that—even without selling our bodies to science or suffering the indignity of snobby thrift shop buyers—we can all start taking control of our financial futures.
Believe it or not! Your habits decide your future. Do you have a habit of spending more money than you earn? This book will guide you in identifying and changing your perspective towards money management and induce some fine habits that will help you control your financial deals. Proper guidance is given in planning your budget, curbing the extravaganza, and making you financially literate. Through the simple and straightforward plans explained in this book, you will master tracking your income and expenses, organizing your household budget, and attaining financial stability. Download: Bad Money Habits: Turn Your Bad Money Habits Into Millionaire Money Habits by Not Spending Money Impulsively, Using Passive Income Strategies, and Investing with a Millionaire Mindset. Do you want to learn how to manage your money and control your finances? Getting rid of your worst money habits and instigating a few smart habits will help you revive your financial status on the right track. Discover the value of money and methods to save money to fulfil your financial obligations. Detailed explanations are given regarding retirement planning from financial planning to the fundamentals of saving for retirement, investment strategies, possibilities of having multiple streams of income, and attaining financial freedom. The sooner you start to save and invest your money, the faster it will grow. Inside You Will Discover... *Bad money habits to avoid *How to stop wasting your money on impulses *The Secrets to saving and building a nest egg for emergency fund *Investing for your Future *Making money with a side business *Retirement Planning *The Millionaire Mindset *Plus much, much, more! Click “BUY NOW” at the top of the page, and instantly Download: Bad Money Habits: Turn Your Bad Money Habits Into Millionaire Money Habits by Not Spending Money Impulsively, Using Passive Income Strategies, and Investing with a Millionaire Mindset.
Spur Award-Winning Author ED GORMAN The money is phony but the murders are real… A COUNTERFEITING RING WITH MORE THAN INK ON ITS HANDS... Secret Service Agent Dev Mallory didn't get to be the best playing by the rules. He's trained to kill, but only as a last resort—because murder has a way of coming back at you... Not too many counterfeiters have outwitted Secret Service Agent Dev Mallory. President Cleveland handpicked him to shut down an elaborate counterfeiting scheme in Denver before it floods the West with funny money and collapses the U.S. economy. The Denver operation might be the best Dev has ever seen, thanks to a corrupt government engraver who's probably outlived his usefulness. Suspected ring members are already turning up dead-and a trusted Secret Service agent has been murdered. But when unexpected ties and betrayals from the past catch up with Dev, the cost of solving this counterfeiting case could include his own life... "Simply one of the best Western writers of our time."—Rocky Mountain News "An underappreciated master."—Booklist
Budget Planner for College Students using monthly and weekly format, You can record what you need to pay and spend on a monthly basis. So you don't have to bother to misrecord your finances and expenses as a student. The advantages of this Budget Planner for College Students are: You can write start monthly spending with details in the description. You can be more specific with weekly expenditures as well as details There are 145 pages. Size 7x10 Do not let your expenses not be recorded properly, immediately have this Budget Planner for College Students with a cool design on the cover to make your mood cheerful with elegant design.
Over the last decade, Indian banks in general and the government-owned public sector ones in particular have gradually got themselves into a big mess. Their bad loans, or loans which haven't been repaid for ninety days or more, crossed Rs 10 lakh crore as of 31 March 2018. To put it in perspective, this figure is approximately seven times the value of farm loan waivers given by all state governments in India put together. And this became the bad money of the Indian financial system. Why were the corporates unable to return these loans? Was it because they had no intention of doing so? Who were the biggest defaulters of them all? Are Vijay Mallya and Nirav Modi just the tip of the iceberg? How much money has the government spent trying to rescue these banks? How are the private sector banks gradually taking over Indian banking? Is your money in public sector banks safe? How are you paying for this in different ways? And what are the solutions to deal with this? In Bad Money, Vivek Kaul answers these and many more questions, peeling layer after layer of the NPA (non-performing assets) problem. He goes back to the history of Indian banking, providing a long, deep and hard look at the overall Indian economy. The result is a gripping financial thriller that is a must for understanding a crisis that threatens our banking system and economy.
How do you apply minimalism to your finances? The short answer is that it begins with a paradigm shift and it ends with better management of your finances. Minimalism at its core is all about living with less but still getting more. At the heart of the minimalist budget is a perspective on getting more quality out of each purchase. It requires the habit of spending money on things that really matter to you ergo a change in the point of view as to why you spend and then you change how you spend. And that is at the heart of this book. This book will teach you about: · What a minimalist budget is, its functions, and its benefits · How you can use any budget and then tweak it to become a minimalist budget · Lots of budgeting tips the minimalist way · The financial formula for minimalist budgeting success · How to handle your emotions when you’re emotionally triggered to spend money out of control · How to get out of debt Note that these principles are told from a very personal level and they’re drawn from the experiences of the author. This book is also part 1 of a 2-part book series.
Money Management Turn Bad Credit Into Good Credit: It seems that everywhere you turn, someone wants to know your credit score. It doesn’t matter if this is you or someone from your bank. Many landlords will even run a potential renter’s credit as this will usually give them insight as to whether the person will pay their rent. The landlords will also have guidelines to use in order to tell you if you are approved or not approved based on your credit score. While some may allow you to have a cosigner if you are not approved, they will also want to run your co-signer’s credit report. This is often frustrating to many people, especially when you are trying to repair your credit. It can make you feel that you are never given a break or that your identity is now your bad credit. It doesn’t have to be this way. In fact, the more you learn about the details of what bad credit is and how there are federal laws to help you overcome bad credit, the faster you will find yourself in financial freedom. Your credit score is vital to your life. It is something that helps you to enjoy life as you have added access to financial services and various investments. You must understand how your score can directly influence what you can purchase so that you can enjoy your life. The problems you have with your credit score can be very dramatic and you might not be fully aware of what affects your credit score or how valuable it is to you. Those people who pay off their debts and lines of credit with on-time payments will be more likely to have better credit ratings. There are many things relating to your credit score that should be explored that go well beyond just your payment history. Financial Budgeting: Everyone has an opportunity to grow their money and get out of debt, but you must start to make this a reality. Be warned, though, when your income starts to grow, it is easy to fall into temptation and start spending more than you are earning again. Refrain and continue saving and investing your money. Every small step counts. Every coin kept and invested counts. If you use the profit you make, you will be unable to grow your wealth. Instead, allow your investment to grow by using the profits as part of the next years principal. With time, you will have a venture that can not only buy you whatever you want but one that will continue to grow over the years. Taking advice from experts in the field you wish to invest is critical to your investment. Would you go to a farmer when you are sick, or would you seek out a doctor? The same way, take your investment knowledge from those who understand the market dynamics and can offer you advice to help grow your investment. Manage your credit cards with responsibility, or they will sink you into a hole. The easiest way to get into debt is to spend more than you earn. You need to keep your expenses lower than your income at all times. Watch your credit card spending because that’s how we often find ourselves overspending. To get out of debt is to pay. The longer it takes you to pay, the higher the interest rate you will be required to pay. Either consolidate your debt or tackle one debt at a time. You might want to reduce your expenses, so you have more money to spread around. Always start by saving 10% of your income. A safety net is essential for your peace of mind. Budgeting does not have to be complicated. The more you simplify it, the better. As long as you track your expenses and stick to your budget, it will work for you. Ensure that you don’t view it as a task but as a necessary tool to help you stay ahead, get a real financial picture, and manage your money correctly.
MINIMALISM 3 Books in 1 In this book you'll find: Minimalist Budget Book 1: How do you apply minimalism to your finances? The short answer is that it begins with a paradigm shift and it ends with better management of your finances. Minimalism at its core is all about living with less but still getting more. At the heart of the minimalist budget is a perspective on getting more quality out of each purchase. It requires the habit of spending money on things that really matter to you ergo a change in the point of view as to why you spend and then you change how you spend. This book will teach you about: What a minimalist budget is, its functions, and its benefits How you can use any budget and then tweak it to become a minimalist budget Lots of budgeting tips the minimalist way The financial formula for minimalist budgeting success How to handle your emotions when you’re emotionally triggered to spend money out of control How to get out of debt Note that these principles are told from a very personal level and they’re drawn from the experiences of the author. Minimalist Budget Book 2: Close to half of the United States population rely on debt to sustain the quality of their lives. Now, a huge part of your ability to make those debts are based on your Credit Score. Can you image how your life would be like with a bad one? What about a stellar one? Imagine all the doors that would open to you with a credit score that’s close to “Very Good” in the official rating! This is what this book is all about – helping you achieve financial stability not just through the numbers in your bank account but also through the perceptions of society. Our goal is to put you in such a strong financial position that your next debt or mortgage will be approved without questions and even better – with a low interest rate. Here you will find not just generalized information – but a deep insight into your credit score. A step by step guide should arm you with everything you need as you navigate through the Credit Bureaus and the confusing system currently being followed by financial institutions. Through this book, you will find out how your credit score is computed, what affects your credit score, how to improve that score – and how to sustain an impressive score. Read on and take your first step towards financial stability! Minimalism and Decluttering Book 3: Minimalism and Decluttering is just the book you need to learn about the: Numerous ways that minimalism and decluttering can help you enjoy your life to the fullest Basic tips for decluttering your home and making it your haven of comfort Effective techniques for cutting back on social media and actually living your life offline Easy strategies to help you manage your finances and avoid wasting money Essential tips for simplifying your diet and becoming healthy without ruining your budget Useful tricks for making over your wardrobe and your outlook in life Trouble-free ways you can simplify your travel necessities Sensible ways you can care for your personal needs while caring for the environment You might be overwhelmed with the current state of your home, finances, and lifestyle, but rest assured that this book will guide you through the whole process of making over your home, getting yourself out of the social media rabbit hole, taking charge of your money, simplifying your diet, style, and travel habits, and becoming more aware of your impact on the environment.
Wall Street meets the Sons of Anarchy in Bad Deeds, the smoldering, scorching next novel in the explosively sexy Dirty Money series from New York Times bestselling author Lisa Renee Jones. Would you bleed for the one you love? To save his family empire from the grip of the drug cartel, Shane is pushed to the edge of darkness, forced to make choices he might never make. His father is dying. His brother is desperate to rule the empire and this means war and all gloves are off. His brother only thought he knew what dirty meant. Shane is about to give it new meaning. There is another war brewing though, and that one, is inside him, his battle between right and wrong, light and dark, and in the heat of the night, it is Emily he turns to for escape. Driving her to new limits, pushing her to accept a part of him that even he cannot. In every one of Shane's seductive demands, Emily can taste and feel, his torment, his struggle to save his family and not lose himself. But he is losing himself, and that is a problem just as dangerous as her secret, that still lurk in the shadows, a threat to the Brandon Family waiting to erupt. No matter where she and Shane have traveled, or will travel in the future, she can't just sit back and watch him become everything he hates, everything he never wanted to become, everything she tried to save him from when she tried to run. It could be their undoing, the end. His end. This is war, blood will spill, and someone in the heart of the Brandon family will not survive.... Wall Street meets the Sons of Anarchy in Damage Control, the smoldering, scorching next novel in the explosively sexy Dirty Money series from New York Times bestselling author Lisa Renee Jones. The only thing more dangerous than a dark secret is a damaged heart... Shane Brandon has been pushed to the brink, torn between his corrupt family and his explosive, all-consuming desire for Emily Stevens, who he now knows is not who, and what, she seems. Has he trusted the wrong person? Will she, not his brother Derek, be the ultimate destruction of his family Empire. Emily tries to run from Shane, but he will stop her, confront her, force her to reveal all – one hot touch and kiss, at a time, under every intimate detail of who this woman is, and what she wants, is exposed. But as he tears away the dangers of the unknowns with the woman in his bed, and in his heart, The Martina Cartel, has set their sites on his company, his family, and the one piece of leverage they believe he won’t gamble with: Emily. This is book THREE of FOUR in Shane and Emily's story.
When financial advisor Spencer Sherman found himself crossing a police line to retrieve his work files from a burning office building, he realized he had money madness. He noticed it in his clients, too: those irrational feelings about money that make otherwise rational adults behave foolishly—buying high, selling low, overspending, lying to their spouses, equating their self-worth with their net worth. Money madness stresses us out, poisons our relationships, and keeps us from making as much money as we can. So Spencer invented the cure. Now, in The Cure for Money Madness, he gives us the tools that have helped thousands of people find greater peace of mind—and make more money. Money madness, Spencer shows us, comes from unproductive messages that we received long ago. “It takes money to make money.” “Paying rent is just throwing money down the drain.” “Don’t talk about money.” When you challenge the messages, you can transform all aspects of your money life: earning, spending, saving, investing, giving, borrowing. More money will flow to you. Your relationships will improve. You’ll enjoy your money more. And you’ll be more generous, too. In The Cure for Money Madness, you’ll discover: How much your money madness has been costing you How wealthy you truly are, by using the revolutionary Actual Net WorthTM statement How “small and boring” can help you outperform the top investors—without watching the market How to communicate about money in ways that create deeper connections with your spouse, parents, children, friends, and colleagues How to know what is truly enough Money madness keeps us from living as richly as we might and enjoying the wealth we have. In these tough economic times, The Cure for Money Madness transforms fear and stress into prosperity and peace. The Cure for Money Madness makes a golden promise: stress-free prosperity and a lifetime of financial peace.
When were you last happy with your finances? Create lasting happiness with your financial situation — not by creating a blistering budget but by living the life you love! Ashley Feinstein Gerstley was working in financial services when she came to the shocking realization that even she was stressed about her personal finances. How could that be, with all her education and experience in dealing with money? Ashley quickly realized that her stress didn't only arise from a lack of knowledge but the way that we as a society treat and talk (or rather don't talk) about our money, and she created a system to turn the entire practice on its head! Through Ashley's system, in just 30 days you will have created a healthier, happier relationship with your money by: Eliminating all money stressors Finally knowing where your money is going Breaking those panic-inducing bad money habits Learning the basics of how and where to invest Making a plan that you can not only live with but enjoy Readers who have tried the 30-Day Money Cleanse have, on average, saved over $950 through the course of the month! Are you ready to cleanse?
Managing money is associated with saving, budgeting, keeping, and the like. However, the truth about managing money is that it is just a concept that encompasses a larger scheme of handling money. The way to manage money and earn more is more than just a single way concept. Not only does managing money mean being able to keep money per se, but also to be able to mobilize the money that we have to the direction in which we intend them to go. This includes investment, business ventures, and leisure activities. Grab a copy of this ebook.
Smart Personal Finance Performers Practice This Strategy to Obtain Higher Credit Scores by using Good Debt Would you like to become a personal money credit master who utilizes financial tools effectively and without getting caught in the rat traps of the rat race? Would you like to see your lifestyle flourish, expand, and become self-sufficient? Getting money with low or no interest depends on your personal credit score. There are ways to build it by understanding how credit works, and to achieve just that, you must follow several key steps that resourceful consumers have already been able to target. In Smart Personal Money Credit, you will discover: The #1 financial mistake users of personal credit make that sets them up for failure right off the bat Damaging personal credit myths that are preventing you from employing the right financial tools The key difference between bad debt and good debt you will be able to grasp in just 3 minutes A step-by-step, foolproof framework for breaking down your credit score. The secret approval guidelines lenders go through before providing business credit What revolving personal credit is, and why you need it today Smart approaches to keep your business and personal finances separate at all times And much more! Lacking faith in your ability to secure personal money credit or loan establishes the foundations of an incredibly sticky, vicious cycle. You don't believe you'll be granted capital, which is why you never ask for it. This mistake depletes your savings, making it incredibly difficult to ensure the survival of your business beyond the start phase. Discover how to avoid traps and pitfalls of bad debt and low credit scores AND enjoy the best possible conditions of good debt AND Stop fearing financial tools for your personal development AND begin making optimal use of them today. To discover how to lower your debt and raise your score and enjoy the best possible outcomes, scroll up and click the "Add to Cart" button.
From those who spend money they don't have to those who scrimp and save needlessly, otherwise rational people often fall victim to "money madness", a malady that affects not only their financial lives but their lifestyles, relationships, and happiness. Now a New York psychotherapist gets to the bottom of the money obsession.