You spend your money on things you like we all do. The new IPad just came out? You need to have it. The new IPhone was just released and you want it but you´re running low on cash? No problem, just put it on the credit card. You try to keep up with the Joneses and as a result you find yourself caught in the consumer trap. As you buy gadget after the gadget and essentially things that you don´t really need you accumulate credit card debt and you have little in terms of savings or you have no savings at all. You never invest in assets because you´re too busy investing your money in liabilities, which causes you to live paycheck to paycheck. You´re tired of living this type of lifestyle because you know that you will never get financially ahead because you have poor money skills and you lack financial discipline. You desperately want to make a change and you´re looking for a solution that entails a plan that will show you how to not only get out of the consumer trap, but how to become much smarter with your money so that you can invest it wisely. In this audiobook, Omar Johnson offers you that perfect solution that you are looking for. He shows you step by step how to get out of the consumer trap and how to be ´´smart´´ with your money. You will learn how to change your mind set about money by examining and analyzing your present money beliefs and habits, changing them, and adopting a whole new mindset that will enable you to live a financially prosperous life. 1. Language: English. Narrator: Mysti Jording. Audio sample: http://samples.audible.de/bk/acx0/012849/bk_acx0_012849_sample.mp3. Digital audiobook in aax.
Avoid bankruptcy, foreclosure, and identity theft, with all the tools you need to build, rebuild, and maintain great credit. Need to clean up your credit? This up-to-date resource is packed with action plans for repairing a bad report, paying down debt, and repairing a bad credit report. You´ll discover how to dispute inaccurate information, communicate with collectors and creditors, set financial goals, and build a good credit history. You´ll also see how to avoid scams - and take action if you´re victimized. Discover how to: - Obtain and maintain your credit report Build new, strong credit Handle annoying collection calls Locate credit counseling Manage your finances wisely 1. Language: English. Narrator: Brett Barry. Audio sample: http://samples.audible.de/bk/harp/001701/bk_harp_001701_sample.mp3. Digital audiobook in aax.
Truth is, there´s no secret to spending and saving wisely. Rather, living a financially secure lifestyle is as simple as taking time-proven steps today to solve past credit problems, while also preparing for a financially successful future. Others have done it. Anyone can do it. So can you. You just need someone to show you how. In Credit 911, Rodney Anderson does just that. Rodney tackles tough topics such as how to navigate through marriage, divorce, bankruptcy, foreclosure, dealing with collection agencies, the dangers and pitfalls of online shopping, protecting consumers´ identities, and many others that get to the heart of America´s financial and credit meltdown. A consumer credit expert, host of CBS Radio´s Saving Your Financial Life with Rodney Anderson, and the creator of the Medical Debt Relief Act of 2009, Rodney Anderson provides people of all ages and skill levels with a powerful set of strategies for surviving the current credit crunch and solving a wide range of common credit problems. Whether you´re facing foreclosure, bankruptcy, or mounting debt, or you´re looking for ways to secure your financial future, Credit 911 can show you how to: Deal with collection agencies on your own terms Understand the credit system from an insider´s perspective Defend against the deceptive practices of credit card companies Boost your credit score and effectively monitor your credit Find your financial Mr. or Mrs. Right Avoid financial disaster when getting divorced Pick the right mortgage lender and Realtor Recover from bankruptcy and foreclosure With over 20 years of experience advising real people on their very real credit problems, Rodney Anderson possesses an intricate understanding of what it takes to manage money effectively and to take control of one´s financial life. And, after listening to Credit 911, so will yo... 1. Language: English. Narrator: Don Hagen. Audio sample: http://samples.audible.de/bk/gdan/000449/bk_gdan_000449_sample.mp3. Digital audiobook in aax.
Rich Kids Made Simple: The Ultimate Money Lessons to Life-Hack any Kids Future Success by Joe Correa This audiobook will teach you the five most powerful money rules in the world that will change your kid´s financial world forever. Financial education is not about teaching kids how to get what they want, it is about teaching them how to get what is worth having. What are your kids learning in school? Are they learning about saving, planning, investing, or becoming leaders? Are they learning how to start their own business or how to become good employees? Are they learning how to manage credit or to accumulate credit card debt? Are they learning how to solve their financial problems or simply accumulate debt until they go bankrupt? Are they learning how to save on taxes or to pay as much taxes as possible? You should think about what your kids are learning every day, because they will grow up fast and the opportunity to help them to become financially prepared will be gone. Own your future. Own your life. Own your money. Most people live their lives with money as their master. Money tells them to go to work. Money makes them get out of bed. Money even makes them lose their hair, gain weight, and stress all day. Should your kids go through the same money problems most adults go through? Should they have to suffer the consequences of a missed education? Why not invest in their future by helping them learn to lead a fulfilling financial life? This audiobook will cover the most important things kids will need to learn about money. This audiobook will teach you and your kids how to: -Save for the future through budgeting and controlled expenses -Create and manage your credit wisely -Grow your savings through compound interest -Compound interest to create future wealth -Own instead of renting your future home -Become a business owner instead of an employee ... 1. Language: English. Narrator: Paul Stefano. Audio sample: http://samples.audible.de/bk/acx0/095763/bk_acx0_095763_sample.mp3. Digital audiobook in aax.
Unlock the keys to manage, budget, and save money. Money makes the world go ´round. Or so they say. Money can be a gateway to a great and comfortable life: nice house, luxury cars, expensive education, etc. Money spent wisely can allow you to purchase these things while still living a contented life. However, in the same way that it can bring great joy and prosperity, it can also bring a great deal of stress. Without proper management, money becomes a curse instead of a boon, leading to stress, depression, and anxiety. In fact, the leading cause of fights in relationships is money and how it is managed. When not armed with the proper money management techniques, you can easily fall into money troubles. Unexpected expenses such as medical emergencies, veterinarian visits, and unforeseen mechanical or house repairs as well as overspending on frivolous items such as café coffee and fast food can quickly make your paycheck disappear. It can make looking at your bank account a painful and surprising experience. If this sounds familiar and you want to learn how to save up for big purchases, get yourself out of debt, and learn budgeting tools, then it´s time to start handling money like the experts to having more of it. In Money Management and Budgeting Hacks, discover how to: Track and categorize the different expenses Create a budget of allowable areas for spending Adjust spending habits to have more money left over Set and prioritize financial goals to creating wealth Create plans of action to keep yourself in good hands Methods to control your budget and prevent overspending Use credit wisely from ruining your financial future See the difference between good debt and bad debt Delay gratification for successful personal budgeting and investment Track where your money goes an... 1. Language: English. Narrator: Life ´n´ Hack. Audio sample: http://samples.audible.de/bk/acx0/086060/bk_acx0_086060_sample.mp3. Digital audiobook in aax.
Every day we are bombarded with messages telling us how to save money. Zero percent down, half off, and two for one are commonplace announcements blasted at us through television, radio, and billboards. As relentless as these commercials are, the reality is that very few of these solicitations will actually save us money. Quite the contrary, they are designed as a call to action to grab your credit card and spend, spend, spend! Can you spend wisely and have more savings? Yes, you can. But, you need to train yourself to be a disciplined buyer and learn to become an intelligent saver. Money Saving: 15 Ways To Save Money is just what you need to identify those areas that can really save you significant money. Learn: How to save on insurance How to save on auto loans How to save on mortgage loans How to save on credit cards How to save on gasoline How to save on car repairs How to save on home improvement How to save on home heating and energy How to save on phone service How to save on major appliances How to save on discount furniture How to save on clothing How to save on groceries How to save on vacations How to save on prescription drugs 1. Language: English. Narrator: David K. Aycock. Audio sample: http://samples.audible.de/bk/acx0/084110/bk_acx0_084110_sample.mp3. Digital audiobook in aax.
Whatever their ages, you can still turn your kids into super savers, savvy shoppers, and cautious users of credit. The author, a mother of three and senior editor of Kiplinger´s Personal Finance Magazine, has compiled an invaluable guide for parents who want their children to: Understand How Money Works; Distinguish Wants from Needs; See Through Advertising Hype; Use An Allowance - or Income - Wisely; Experience the Joy of Earning, Saving, and Giving; Invest and Collect for Benefit - and Fun; Live Within Their Means; Create Their Own Opportunities for Work and Income; Live Independently When the Time Comes; Balance Their Priorities - School, Work, and Family.Strictly for parents, Bodnar also offers advice on how to identify your ´´Money Style´´, set limits, and reaffirm values you want to share with your children. 1. Language: English. Narrator: Janet Bodnar. Audio sample: http://samples.audible.de/bk/pnix/000478/bk_pnix_000478_sample.mp3. Digital audiobook in aax.
Money has great power in our lives. Used wisely, it is one key to accomplishing our goals, providing for our needs, and fulfilling our life purpose. In recent years, many of us ignored the wisdom of the past when it came to managing and spending our money. Credit card debt soared, savings rates plummeted, and our home equity became something to be tapped into and spent rather than a source of security in retirement. We felt an insatiable desire for more. And we found ourselves spending tomorrow´s money today in order to have what we hoped would satisfy. The result of all of this was not greater happiness and satisfaction, but greater stress and anxiety. Enough is an invitation to rediscover the Bible´s wisdom when it comes to prudent financial practices. In these pages are found the keys to experiencing contentment, overcoming fear, and discovering joy through simplicity and generosity. This book could change your life, by changing your relationship with money. 1. Language: English. Narrator: Sean Runnette. Audio sample: http://samples.audible.de/bk/hove/000863/bk_hove_000863_sample.mp3. Digital audiobook in aax.
Personal financial planning is an ongoing process that involves examining all existing resources, developing a plan to use them, and systematically implementing the plan to achieve your goals. While young adults yield immense spending power, many lack the financial knowledge necessary to manage their money wisely. Personal Finance for Teenagers and College Students is a reliable and relevant source of financial information in which young adults will find a wealth of useful information. In this revised book, you will learn how to get and manage credit, how to make and stick to a budget, how to save for college, how to determine your needs versus your wants, how to pay for a car, how to finance college, how to open a bank account, how to balance a checkbook, how to avoid financial mistakes and much more. The CD-ROM includes a companion study guide/workbook and wide variety of resources and worksheets to help you get a jumpstart on your financial future and use money responsibly. 1. Language: English. Narrator: Rene Rodriguez. Audio sample: http://samples.audible.de/bk/acx0/084014/bk_acx0_084014_sample.mp3. Digital audiobook in aax.
From It´s All Politics Like business in general, politics is not a spectator sport. You cannot afford to be apolitical at work if you have any aspirations for advancement. The only way to avoid politics is to avoid people—by finding an out-of-the-way corner where you can do your job. Of course, it´s the same job you´ll likely be doing for the rest of your career. In any job, when you reach a certain level of technical competence, politics is what makes all the difference with regard to success. At that point, it is indeed all politics. Everyday brilliant people take a backseat to their politically adept colleagues by failing to win crucial support for their ideas. Sometimes politics involves going around or bending rules, but more typically it´s about positioning your ideas in a favorable light, and knowing what to say, and how and when to say it.... Keep in mind that people benefit from perpetuating the image of politics as something you either know or you don´t. Ignore them. Political acumen is largely learned from observation. And then it´s a matter of practice, practice, practice. When a journalist suggested that golfing great Gary Player was very lucky, he replied: ´´It´s funny, but the more I practice, the luckier I get.” The same is true of politics. An indispensable guide to mastering the ins and outs of office politics—the single most important factor in getting ahead in your career As management professor and consultant Kathleen Reardon explains in her new book, It´s All Politics, talent and hard work alone will not get you to the top. What separates the winners from the losers in corporate life is politics. As Reardon explains, the most talented and accomplished employees often take a backseat to their politically adept coworkers, losing ground in the race to get ahead—sometimes even losing their jobs. Why? Because they´ve failed to manage the important relationships with the people who can best reward their creativity and intelligence. To determine whether you need a crash course in Office Politics 101, ask yourself the following questions: Do I get credit for my ideas? Do I know how to deal with a difficult colleague? Do I get the plum assignments? Do I have a mentor? Do I say no gracefully and pick my battles wisely? Am I in the loop? Reardon has interviewed hundreds of employees, from successful veterans to aspiring hopefuls, examining why some people who work hard and effectively at their jobs fall behind, while those who are adept at ´´reading the office tea leaves” forge ahead. Being politically savvy doesn´t mean being unethical or devious. At heart, it´s about listening to and relating to others, and making choices that advance everyone´s goals. Like it or not, when it comes to work, it´s all politics. And politics is all about knowing what to say, when to say it, and who to say it to.