Do you want to know how to establish credit, maintain, manage, and fix it when it´s broken? Maybe what you want is a better living that is free of harassing phone calls from creditors. Or do you want to know how to get out of debt, avoid overspending, clean up your credit report and establish good credit? If your answer is yes - then this will be the best message you ever hear this year. Today we now live in credit world where credit is now a necessity for almost every consumer, but it´s quite unfortunate that thousands upon thousands of people (possibly including you) are rejected for credit almost every day. Most often it´s usually because they have poor credit history or bad credit. It may even be because of errors on your credit report being circulated in the credit market. If you are in this condition it´s not your all your fault and you are not alone. All you need is to listen to my latest book, Bad Credit: Legal Credit Repair That Will Change Your Life. If you are in need of rebuilding your credit history and equity, believe a creditor has wronged you, or you want to get out of debt now, this book will open your eyes to the hidden truth credit card companies, credit reporting agencies, and credit repair companies have been hiding from you. You will understand how to get back on your feet if you´re in debt already. You will not only learn how to get out of debt now, you will learn how to avoid overspending, which is one of the possible reasons why you are in debt now. After listening to this book you will know how easy it is to clean your credit report, establish good credit and deal with creditors without the assistance of a credit repair company. 1. Language: English. Narrator: Pete Beretta. Audio sample: http://samples.audible.de/bk/acx0/074723de/bk_rhde_002536_sample.mp3. Digital audiobook in aax.
The Need for International Reserves and Credit Facilities:Publication of the Netherlands Institute of Bankers and Stock Brokers. Softcover reprint of the original 1st ed. 1977 J. de Beaufort Wijnholds
The digital revolution has left banking broken beyond repair. But there is an alternative. We can do better than banking.
Do you want to break your impulse shopping addiction and habit of buying stuff, without dramatically changing your life? Do you want to save money? Do you want to be Underspent, not overspent? Right now, the rising cost of living is one of the biggest issues in Australia, America and the UK. According to the media, the average American owns 3.5 credit cards and owes US$15,799 in credit card debt. Three out of five American families cant pay off their credit card debts. In the UK, someone is declared insolvent or bankrupt every five minutes, and a property is repossessed every eighteen minutes. Thirteen per cent of Australian adults and seventeen per cent of Aussie kids live below the poverty line, whilst the average Australian adult spends the first eight weeks of each year working just to pay for their car. There are more than eighteen million shopaholics in the United States, and five per cent of all waste in Australian landfill is discarded clothing. In this groundbreaking and entertaining book, Rachel reveals the Seven-Step Process she took to break her shopping addiction and buying habit, without dramatically changing her life. For Rachel, the ultimate result of implementing the seven steps set out in this book was: •being Underspent-spending less than usual (she was spending less money than was required and expected) •breaking her impulse shopping addiction and habit of buying stuff •saving 38 per cent of her net (take-home) annual salary •feeling happier and more content. This is a book that people can use, not just agree with. Underspent examines in detail the problems caused by impulse shopping addictions, what triggers our shopping and buying, the challenges and personal battles we face when quitting and the seven steps to being Underspent. This is a practical guide for men and women who want to quit shopping and save money. With case studies, stories, information and practical exercises, Rachel shows you how to apply the seven steps.
This first book in the series will discuss how we are caught in the credit card trap straight out of high school. Many are caught young, and since they have not learned thoroughly about borrowing, they max out their credit cards. Then another way we go broke is by going broke with the Joneses. We are all guilty of buying the latest gadgets or clothing or whatever is current, and we can never keep up, so we keep spending and going broke because of it. Another area we go broke in is our addictions. Whether it is an addiction to caffeine, gambling, or some other substance, it causes us to go broke. Since some have no control over it, it can be devastating to the pockets. There are other ways we go broke. These are just some. This is a book about going broke. 1. Language: English. Narrator: Ken Eaken. Audio sample: http://samples.audible.de/bk/acx0/040471de/bk_rhde_002536_sample.mp3. Digital audiobook in aax.
In the summer of 2007, the subprime empire that Wall Street had built all came crashing down. On average, 50 lenders a month were going bust - and the people responsible for the crisis included not just unregulated loan brokers and con artists, but also investment bankers and home loan institutions traditionally perceived as completely trustworthy. Chain of Blame chronicles this incredible disaster, with a specific focus on the players who participated in such a fundamentally flawed fiasco. Acclaimed financial reporters Muolo and Padilla go behind the headlines to expose the truth about how this crisis occurred, what individuals and institutions-from lenders and brokers to some of the biggest investment banks in the world-were doing during this critical time, who is ultimately responsible for what happened, and perhaps more importantly, why everyone was so taken by surprise. The authors reveal how human behavior and greed drove the demand, supply, and the investor appetite for these types of loans - and how Wall Street was all too willing to satisfy the desires of those who should have known better. 1. Language: English. Narrator: Walter Dixon. Audio sample: http://samples.audible.de/bk/gdan/000233de/bk_rhde_002536_sample.mp3. Digital audiobook in aax.
An essential guide to the calibrated risk analysis approach. The Failure of Risk Management takes a close look at misused and misapplied basic analysis methods and shows how some of the most popular "risk management" methods are no better than astrology! Using examples from the 2008 credit crisis, natural disasters, outsourcing to China, engineering disasters, and more, Hubbard reveals critical flaws in risk management methods and shows how all of these problems can be fixed. The solutions involve combinations of scientifically proven and frequently used methods from nuclear power, exploratory oil, and other areas of business and government. Finally, Hubbard explains how new forms of collaboration across all industries and government can improve risk management in every field. PLEASE NOTE: When you purchase this title, the accompanying reference material will be available in your My Library section along with the audio. 1. Language: English. Narrator: Jonah Cummings. Audio sample: http://samples.audible.de/bk/adbl/004859de/bk_rhde_002536_sample.mp3. Digital audiobook in aax.
Ben Aaronovitch has stormed the bestseller list with his superb London crime series. A unique blend of police procedural, loving detail about the greatest character of all, London, and a dash of the supernatural. A mutilated body in Crawley. Another killer on the loose. The prime suspect is one Robert Weil; an associate of the twisted magician known as the Faceless Man? Or just a common or garden serial killer? Before PC Peter Grant can get his head round the case a town planner going under a tube train and a stolen grimoire are adding to his case-load. So far so London. But then Peter gets word of something very odd happening in Elephant and Castle, on an housing estate designed by a nutter, built by charlatans and inhabited by the truly desperate. Is there a connection? And if there is, why oh why did it have to be South of the River? Full of warmth, sly humour and a rich cornucopia of things you never knew about London, Aaronovitch´s series has swiftly added Grant´s magical London to Rebus´ Edinburgh and Morse´s Oxford as a destination of choice for those who love their crime with something a little extra. Read by Kobna Holdbrook-Smith. Kobna is a Film, Theatre, Television and Radio actor. His television credits include Little Britain, Saxondale, Pulling, Taking the Flak, Star Stories and Sirens; his theatre credits include lead roles at the National, Tricycle, Young Vic, Manchester Royal Exchange, Bush and Shakespeare´s Globe theatres and he has also been in numerous BBC radio plays. He has voiced audiobooks by Alastair Reynolds and Ben Aaronovitch for Orion. 1. Language: English. Narrator: Kobna Holdbrook-Smith. Audio sample: http://samples.audible.de/bk/orio/000600de/bk_rhde_002536_sample.mp3. Digital audiobook in aax.
This second Gothic novel in the dark Mirror Sisters trilogy continues the tale of sisterly love at its absolute worst - from the legendary New York Times best-selling author of Flowers in the Attic and the My Sweet Audrina series (now Lifetime movies). For fans of Ruth Ware (In a Dark, Dark Wood) and Liane Moriarty (The Husband´s Secret). Sisters until the end... Which may come sooner than they think. Under their mother´s watchful eye, identical twins Haylee and Kaylee Fitzgerald have lived their entire lives in sync. Never alone, never apart, everything about them must be exactly the same: clothes, friends, punishments. One night, in the darkness of a movie theater, Haylee reveals that she´s leaving to meet up with someone she knows from online. But suddenly feeling ill, and not wanting to disappoint this older man, she convinces Kaylee to go in her stead. He´ll never know, and this way he won´t think she stood him up. Kaylee reluctantly agrees to go, but when the credits roll and she´s nowhere to be found, Haylee confesses everything to her mom. With the manhunt on, Haylee knows everything must be done to find her sister. Still, for the first time in her life, she´s free from her twin, which, really, isn´t so bad...is it? 1. Language: English. Narrator: Rebekkah Ross. Audio sample: http://samples.audible.de/bk/sans/007794de/bk_rhde_002536_sample.mp3. Digital audiobook in aax.
For most people, the Great Crash of 2008 has meant troubling times. Not so for those in the flourishing poverty industry, for whom the economic woes spell an opportunity to expand and grow. These mercenary entrepreneurs have taken advantage of an era of deregulation to devise high-priced products to sell to the credit-hungry working poor, including the instant tax refund and the payday loan. In the process they´ve created an industry larger than the casino business and have proved that pawnbrokers and check cashers, if they dream big enough, can grow very rich off those with thin wallets.Broke, USA is Gary Rivlin´s riveting report from the economic fringes. From the annual meeting of the national check cashers association in Las Vegas to a tour of the foreclosure-riddled neighborhoods of Dayton, Ohio, here is a subprime Fast Food Nation featuring an unforgettable cast of characters and memorable scenes. Rivlin profiles players like a former small-town Tennessee debt collector whose business offering cash advances to the working poor has earned him a net worth in the hundreds of millions, and legendary Wall Street dealmaker Sandy Weill, who rode a subprime loan business into control of the nation´s largest bank. Rivlin parallels their stories with the tale of those committed souls fighting back against the major corporations, chain franchises, and newly hatched enterprises that fleece the country´s hardworking waitresses, warehouse workers, and mall clerks.Timely, shocking, and powerful, Broke, USA offers a much-needed look at why our country is in a financial mess and gives a voice to the millions of ordinary Americans left devastated in the wake of the economic collapse. 1. Language: English. Narrator: Scott Sowers. Audio sample: http://samples.audible.de/bk/harp/002251de/bk_rhde_002536_sample.mp3. Digital audiobook in aax.