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Credit Card Debt $14.38 Whether readers are overwhelmed by credit card debt or trying to prevent it altogether, this book has the answers. The author's basic three step program provides the information readers need to reduce interest rates, eliminate fees, and negotiate with credit card companies to keep their credit report clean. |
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Credit Card Debt By Daskaloff, Alexander $12.4 Presents an effective, threestep program to help readers to eliminate overwhelming credit card debt, explaining how to reduce interest rates, eliminate fees, negotiate with credit card companies, organize financial decisions, and more. Original. Author: Daskaloff, Alexander Subtitle: Reduce Your Financial Burden in Three Easy Steps Publication Date: 1999/04/01 Number of Pages: 195 Binding Type: Paperback Language: English Depth: 0.75 Width: 4.25 Height: 6.50 |
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Blowing the Whistle on Credit Card Debt $38.96 No Synopsis Available |
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Credit Card Stressbusters $19.95 Feeling overwhelmed by your credit card debt? Struggling to pay off your card each month? Wanting to get back in the black but don't know how? Fortunately, help is now at hand with Credit Card Stressbusters . This plain-English, Q&A guide will help you to slash your credit card debt in just 90 days. Not only will you learn how to cure credit card addiction, but you’ll also learn some of the best-kept stressbusting secrets for using your card responsibly. Inside you’ll discover: how to choose the right card -- credit or otherwise how to control your spending, instead of letting it control you how to reduce your debt -- fast how to make your credit card work for you. Whether you’re struggling with credit card chaos or just trying to stay ahead, Credit Card Stressbusters is the book for you! |
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Forever in Your Debt : Escaping Credit Card Hell $14.58 No Synopsis Available |
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Down and Dirty Debt: Secrets to Cleaning Up Your Credit $25.66 If you think credit card companies are using you, start using them How to make credit cards work for you, not the other way around. If youre in debt a lot or a little, read this book. It will change the way you view plastic in general. Youll learn how to tighten your boot straps while staying in the drivers seat. Youll get moneysaving ideas, from how to afford your kids summer camp to saving money on oil changes to curbing impulse spending. Debt doesnt have to control your life. Get over it and start living large again Youll learn how to: Get rid of credit card debt without cutting up your cards. deal with collection agencies and come out a winner. negotiate a lower interest rate on your credit cards. build credit history. Author: Dubuque, Cpcc Marie L. Binding Type: Paperback Number of Pages: 184 Publication Date: 2008/04/01 Language: English Dimensions: 9.00 x 6.00 x 0.42 inches |
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Getting Out of Debt $8.99 CliffsNotes: Getting Out of Debt is the fast and easy way to learn about getting out of debt and getting personal finances on track. This book discusses ways to identify debt, how to manage income to reduce debt, how to avoid additional debt and more. Features expert advice on money management that's easy to follow. CliffsNotes: Getting Out of Debt brings sanity back to personal finance. From school loans to car loans, credit card debt to mortgage payments, discover the best ways to manage finances and keep the checkbook in the black. * Filled with information and expert tips on managing personal debt and finding solutions to reduce it. * Gain the know-how to get of debt quickly and easily. * Features advice on planning, anticipating problems, credit card management and more! * About 70 percent of Americans own at least one credit card and 34 percent of them do not know the interest rate of the credit card they use most often. (American Demographics, May 1997) |
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Credit Card $10 Credit Card - Kali |
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The Credit Card Cure $166.02 Can you envision a future in which you are free of oppressive debt? Can you see it? Its a time when fear, embarrassment, disappointment, frustration, discouragement and anger about your financial situation is replaced with confidence, pride, hope and goodwill. Its a time when you read books and join forums about how to save more, invest more wisely and make the most of opportunities instead of books like this about dealing with financial problems. If you are stuck in oppressive credit card debt whether that is 5,000 or 250,000 you are not happy. If your household income and future income opportunities offer no hope of repaying that debt, you are not happy. And, you deserve to be happy. So deal with it. Face it. It is not the monster that you think it is. In fact, its a paper tiger that you can confront, conquer and eliminate from your life in a very short period of time. This book is a roadmap to that new life. Author: Rockwood, Ryan/ Rockwood, Mike Binding Type: Paperback Number of Pages: 172 Publication Date: 2010/04/06 Language: English Dimensions: 8.26 x 11.02 x 0.36 inches |
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Credit Score $78.07 A credit score is a numerical expression based on a statistical analysis of a persons credit files, to represent the creditworthiness of that person. A credit score is primarily based on credit report information, typically sourced from credit bureaus. Lenders, such as banks and credit card companies, use credit scores to evaluate the potential risk posed by lending money to consumers and to mitigate losses due to bad debt. Lenders use credit scores to determine who qualifies for a loan, at what interest rate, and what credit limits. The use of credit or identity scoring prior to authorizing access or granting credit is an implementation of a trusted system. Credit scoring is not limited to banks. Other organizations, such as mobile phone companies, insurance companies, employers, landlords, and government departments employ the same techniques. Credit scoring also has a lot of overlap with data mining, which uses many similar techniques. Author: Miller, Frederic P./ Vandome, Agnes F./ McBrewster, John Binding Type: Paperback Number of Pages: 82 Publication Date: 2009/12/24 Language: English Dimensions: 5.98 x 9.01 x 0.19 inches |
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You Can Be Debt Free $4.49 Learn how to CONTROL YOUR DEBT and REBUILD YOUR FINANCES with this expertly written and timely eBook. Discover how the system preys on the unwary and vulnerable and learn how to recognise the warning signs and avoid the pit falls that lead to unnecessary debt. This easy to follow guide will firstly help you, chapter by chapter, to recognise what’s causing your problems, then encourage you to CHANGE YOUR HABITS and finally help put you on a path to restoring your finances. Credit card debt, mo |
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Debt $32 Before there was money, there was debt Every economics textbook says the same thing: Money was invented to replace onerous and complicated barter systems—to relieve ancient people from having to haul their goods to market. The problem with this version of history? There’s not a shred of evidence to support it. Here anthropologist David Graeber presents a stunning reversal of conventional wisdom. He shows that for more than 5,000 years, since the beginnings of the first agrarian empires, humans have used elaborate credit systems to buy and sell goods—that is, long before the invention of coins or cash. It is in this era, Graeber argues, that we also first encounter a society divided into debtors and creditors. Graeber shows that arguments about debt and debt forgiveness have been at the center of political debates from Italy to China, as well as sparking innumerable insurrections. He also brilliantly demonstrates that the language of the ancient works of law and religion (words like “guilt,” “sin,” and “redemption”) derive in large part from ancient debates about debt, and shape even our most basic ideas of right and wrong. We are still fighting these battles today without knowing it. Debt: The First 5,000 Years is a fascinating chronicle of this little known history—as well as how it has defined human history, and what it means for the credit crisis of the present day and the future of our economy. From the Hardcover edition. |
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Consumer Credit, Debt and Bankruptcy $156 After a long period of prosperity and steady economic growth, the world's leading economies are now in crisis, and although there will be debate about its origins, the scale and seriousness of the crisis is in no doubt. There is also no doubt that excessive amounts of consumer credit, allied to a weak understanding of how globalised credit markets might react to a crisis, have played a significant part. This book, which is primarily about credit, debt and the trouble they have led to, is written by authors who have specialised in researching into over-indebtedness, that is, situations in which an individual's debt burden has become overwhelming. For these authors the plight of individuals is a primary concern, but the wider issue is how credit is used and how it changes societies. The essays in this volume, addressing topics which are fundamental to our understanding of the current crisis, range widely across the whole sector of consumer finance, including mortgages, 'credit-binges', the regulation of consumer lending, insolvency, repayment plans, debt counselling and much more besides. The conclusions drawn from the book are equally wide-ranging, but above all the lesson learned from these essays is that the financialisation of contemporary life ensures that issues of the appropriate role of credit remain of critical importance in society. |
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Master the Card: Say Goodbye to Credit Card Debt, Forever! $10.89 No Synopsis Available |
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Debt Free For Life $11.99 GOODBYE DEBT—HELLO FREEDOM!   Most of us grew up with the idea that there is good debt and there is bad debt.   Good debts are generally considered to be debts you incur to buy things that can go up in value—like a home or college education.  Bad debts are things like credit card balances, where you borrowed money to buy things that depreciate or go down in value, like most consumer goods. But as America’s favorite financial coach, David Bach, points out, in difficult times there is no such thing as good debt.   There is only debt .  And all debt is too expensive—if what you desire is FREEDOM!  In fact, Bach believes the best investment you can make today is to pay down your debt, faster and smarter than you have ever attempted before— starting today! In Debt Free for Life , #1 New York Times bestselling author David Bach has written his most groundbreaking and important book since The Automatic Millionaire , giving us the knowledge, the tools, and the mindset we need to get out of debt and achieve financial freedom— forever !  Offering a revolutionary approach to personal finance that teaches you how to pay down your debt and adopt a whole new way of living – debt free. Bach unveils the Debt Wise program that empowers you to pare down your debt automatically.  You’ll learn how to calculate your Debt Freedom Day – the actual date you will be completely free of debt.  And you’ll discover that when you are debt free, you need a lot less money to live on. You can retire, even with a smaller nest egg -- perhaps earlier than you expected. David Bach has coached millions to pay off their debt and now he can guide you.  Whether you have home loans, student loans, car loans, credit card debt—paying down your debt is truly a game you can win, if you know the rules.  Debt Free For Life will teach you the rules and give you the tools to buy back your freedom.   From the Hardcover edition. |
Regulation of Online Poker is Necessary by Douglas R. Hayman
In 2006, the United States government passed impromptu legislation, called the Unlawful Internet Gambling Enforcement Act (UIGEA), which made it illegal for any American Poker player (in conjunction with a banking institution) to fund an online Poker site account. There are a plethora of reasons why this law should be undone, and why the government should immediately consider the reversal of this decision. In no particular order, here are some tangible reasons for the regulation of Online Poker:
The hastily-constructed UIGEA bill uses the U.S. Banking system as its implementor. The law clearly puts the onus on banks to identify and subsequently stop bank transfers and checks that are specifically targeted towards gambling-related (specifically, off-shore) entities. The UIGEA fails miserably, however, in clearly distinguishing what a gambling transaction is. Currently, our banking system is ill-equipped to implement a law that is riddled with vagueness, and the industry has been outspoken in its assessment that it would be years before it could implement such a system. It would be incumbent on
banks to correctly discriminate between identifying gambling versus non-gambling related transactions. The ramifications of
this is that the banking system might wind up inadvertently halting many benign transactions, which obviously would create a
major problem. More importantly, the signed legislation is requiring the banking system to implement the rules of this law
with no form of reimbursement or compensation (that is, "do it on your own time"), and also is asking the banking system to
assume the culpability of any transaction-preventative measures it devises to comply with the law. Given the recent credit
crisis and meltdown in the U.S. (and world) economic and banking systems, it is incomprehensible for the banking industry to
be spending its precious time implementing a law that is full of uncertainty, especially since the industry is being confronted
with much more pressing needs these days.
More embarrassing, the UIGEA legislation was attached as a last minute rider to a Ports bill, which was certain to pass in
Congress. The UIGEA was tacked onto ths bill, which was signed by the President, almost 20 minutes (no exaggeration here)
prior to the Port bills Congress vote. The legislation was never debated in either House of Congress, and was voted on (as
a rider to the Ports bill) from its originally drafted state, which was poorly constructed.
Since we currently have the largest government deficit in American history (about half a trillion dollars), and the National Debt has increased from 5 billion to almost 11 billion over the last 8 years (that is more than a 100 % whopping increase), regulation of online Poker could bring a significant windfall to the U.S. government. Legalizing and regulating online Poker would result in a revenue stream that would certainly lower the budget deficit. There are many tax experts who have suggested tangible mechanisms for achieving the taxation of online Poker, and additionally, we could certainly leverage ideas from other taxing jurisdictions (e.g., the U.K.), who have already implemented this practice.
The U.S. government has hypocritically condemned online Poker as being illegal, when accounts are funded for the purposes of gambling, but strangely it is legal and permissible to play state lotteries, bet on fantasy sports, and wager for online horse-racing (these are government-regulated industries, by the way). What is truly perplexing is that online lotteries, which are totally predicated on chance, have been legalized, whereas a game of skill (Poker) is deemed to be illegal and immoral, as stated by the proponents of the UIGEA. Any Poker player recognizes that there is an inherent
chance element associated with the game, but it is largely a game of skill, similar in many ways to the game of Chess.
Many other government figures (who readily support the current online gaming legislation) stipulate that online Poker encourages
underage gambling, which destroys the fabric of American society. Even if this were true, which it is not (there have been
many studies that have proved otherwise), this is a compelling argument for the regulation of online Poker. Technology
sophistication could easily prohibit the patronage of underage customers, similar to the way online horse-racing wagering
has implemented such rules.
More to the point, it is generally believed that the government's reason for not regulating online Poker is that there is
a powerful Las Vegas casino lobbying coalition who believe that non-US based online Poker is hurting their land-based business.
Additionally, many believe that Las Vegas is strategizing to go online with their services at some point in the future.
Interestingly, many of the lawmakers who were responsible for authoring UIGEA, have taken donations from these land-based
casinos, and undoubtedly believe that the eradication of non-US-based online Poker, will help pave the way for their
land-based casino constituency. Passage of the UIGEA was a clever way to help eliminate any international competition.
From a freedom of speech persepctive, how can the U.S. government tell its U.S. citizens how to spend their own cash?
Additionally, the Internet has no geographical boundaries associated with it, and for the government to prohibit its
citizens from playing in an online Poker room that is physically located outside of the continental U.S., isn't this a clear
demonstration that the government feels it should have the ability to tell its citizens what websites it can and cannot
frequent (can you spell c-o-m-m-u-n-i-s-m)? If the American government is going to effectively prohibit online Poker sites
from being accessed (and used), then perhaps it should also consider to eliminate the use of websites in other so-called
"destructive" industries such as alcohol, tobacco, sex, credit cards, mortgages, guns, etc. Why just pick on online Poker?
In short, there are plentiful arguments for permitting online Poker to be regulated, and for repealing the UIGEA legislation.
Let's hope that the next administration will be more pragmatic and protect its citizens' rights, and in doing so, use this as
a basis for generating much needed tax revenue for our nation.
About the Author
Douglas Hayman, President of Expert Software Systems, has developed many websites, including:
Best Online Poker Sites -
A premier poker website that contains many topics on Poker.
Review of Best Poker Sites - A review of today's
most popular online sites.
persuasive speech( credit card debt relief)