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How To Survive And Perhaps Thrive On A Teacher S Salary

Author : Danny Kofke
ISBN : 9781598869026
Genre : Business & Economics
File Size : 76.14 MB
Format : PDF
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Briefly presents advice to remain financially stable while receiving a teaching salary, and covers retirement, investments, budgeting, and other related topics.
Category: Business & Economics

A Simple Book Of Financial Wisdom

Author : Danny Kofke
ISBN : 1936214458
Genre : Business & Economics
File Size : 75.30 MB
Format : PDF
Download : 196
Read : 786

A guide to reducing debt and saving money.
Category: Business & Economics

How To Legally Settle Your Personal Credit Card Debt For Pennies On The Dollar

Author : Martha Maeda
ISBN : 9781601383280
Genre : Business & Economics
File Size : 68.33 MB
Format : PDF, Mobi
Download : 906
Read : 664

Do you struggle each month to make minimum credit card payments? Are you 30, 60, or even 90 days late on several accounts? If so, you aren’t alone. According to a January 2010 report from the U.S. Federal Reserve, there are 609.8 million credit cards held by U.S. consumers, and the average credit card debt per household is $15,519. In the last 12 months, 15 percent of American adults, or nearly 34 million people, have been late making a credit card payment, and 8 percent (18 million people) have missed a payment entirely, according to the National Foundation for Credit Counseling. If these statistics hit home for you, don’t turn to bankruptcy to solve your financial woes. This book will provide you with the tools to legally settle your credit card accounts — without ruining your financial situation for years to come. How to Legally Settle Your Personal Credit Card Debt for Pennies on the Dollar is for everyone who is unable to pay mounting minimum payments on their credit cards. You will learn everything you need to know about the basics of credit card debt, including interest rates, finance charges, minimum payments, and late fees. Discover what actually happens to your credit when you are late making your payments or stop making payments altogether and how long it takes before your credit cards debt is sold to a collection agency. This book will provide tips and strategies for negotiating with your original creditor and collection agencies and sample settlement letters you can use when working with creditors. Equip yourself with proven strategies for legally challenging the validity of your credit card debt and information on how to determine whether your rights are being violated under the Fair Debt Collection Practices Act. You will find out the advantages of not filing bankruptcy and how to work with credit counselors and avoid debt-reduction scams. Once you have successfully settled your debt and avoided bankruptcy, you will learn how to avoid repeating these mistakes in the future by setting budgets, cutting costs, and lowering interest rates. Learn how the Credit Card Accountability, Responsibility, and Disclosure Act, which went into effect in February 2010, affects you as a consumer. While these new rules do not absolve consumers of their obligations, they do mean that credit card companies can no longer retroactively increase rates, charge misleading late fees, or use over-limit fee traps. We have spent hundreds of hours interviewing top financial experts, bill collectors, and individuals just like you who were able to legally settle their credit card debt without resorting to bankruptcy. If you are tired of dodging phone calls from collectors or worrying about how missed payments have ruined your credit score, get yourself back to a more stable financial situation — one where credit card debt is a thing of the past.
Category: Business & Economics

168 Hours

Author : Laura Vanderkam
ISBN : 1101432942
Genre : Self-Help
File Size : 56.39 MB
Format : PDF, ePub
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There are 168 hours in a week. This book is about where the time really goes, and how we can all use it better. It's an unquestioned truth of modern life: we are starved for time. With the rise of two-income families, extreme jobs, and 24/7 connectivity, life is so frenzied we can barely find time to breathe. We tell ourselves we'd like to read more, get to the gym regularly, try new hobbies, and accomplish all kinds of goals. But then we give up because there just aren't enough hours to do it all. Or else, if we don't make excuses, we make sacrifices. To get ahead at work we spend less time with our spouses. To carve out more family time, we put off getting in shape. To train for a marathon, we cut back on sleep. There has to be a better way-and Laura Vanderkam has found one. After interviewing dozens of successful, happy people, she realized that they allocate their time differently than most of us. Instead of letting the daily grind crowd out the important stuff, they start by making sure there's time for the important stuff. They focus on what they do best and what only they can do. When plans go wrong and they run out of time, only their lesser priorities suffer. It's not always easy, but the payoff is enormous. Vanderkam shows that it really is possible to sleep eight hours a night, exercise five days a week, take piano lessons, and write a novel without giving up quality time for work, family, and other things that really matter. The key is to start with a blank slate and to fill up your 168 hours only with things that deserve your time. Of course, you probably won't read to your children at 2:00 am, or skip a Wednesday morning meeting to go hiking, but you can cut back on how much you watch TV, do laundry, or spend time on other less fulfilling activities. Vanderkam shares creative ways to rearrange your schedule to make room for the things that matter most. 168 Hours is a fun, inspiring, practical guide that will help men and women of any age, lifestyle, or career get the most out of their time and their lives.
Category: Self-Help

The Cheapskate Next Door

Author : Jeff Yeager
ISBN : 0307592472
Genre : Business & Economics
File Size : 78.99 MB
Format : PDF, Mobi
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America’s Ultimate Cheapskate is back with all new secrets for how to live happily below your means, á la cheapskate. For The Cheapskate Next Door, Jeff Yeager tapped his bargain-basement-brain-trust, hitting the road to interview and survey hundreds of his fellow cheapskates to divulge their secrets for living the good life on less. Jeff reveals the 16 key attitudes about money – and life – that allow the cheapskates next door to live happy, comfortable, debt-free lives while spending only a fraction of what most Americans spend. Their strategies will change your way of thinking about money and debunk some of life’s biggest money myths. For example, you’ll learn: how to cut your food bill in half and eat healthier as a result; how your kids can get a college education without ever borrowing a dime; how to let the other guy pay for deprecation by learning the secrets of buying used, not abused; how you can save serious money by negotiating and bartering; and how – if you know where to look – there’s free stuff and free fun all around you. The Cheapskate Next Door also features dozens of original “Cheap Shots” – quick, money saving tips that could save you more than $25,000 in a single year! Cheap Shots give you the inside scoop on: • How to save hundreds on kids’ toys; • What inexpensive old-fashioned kitchen appliance can save you more than $200 a year; • How you can travel the world without ever having to pay for lodging; • What single driving tip can save you $30,000 during your lifetime; • Even how to save up to 40% on fine wines (and we’re not talking about the kind that comes in a box). From simple money saving tips to truly life changing financial strategies, the cheapskates next door know that the key to financial freedom and enjoying life more is not how much you earn, but how much you spend.
Category: Business & Economics

Personal Finance An Encyclopedia Of Modern Money Management

Author : Barbara Friedberg
ISBN : 9781440830327
Genre : Business & Economics
File Size : 47.12 MB
Format : PDF, Docs
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This jargon-free resource explains the who, what, why, and where of contemporary personal finance in simple, easy-to-grasp language, covering the key people, events, terms, tools, policies, and products that make up modern money management. • Supplies accessible, comprehensive financial information that explains complex topics in simple language • Shows the relationship between personal finance and everyday life, from renting an apartment to saving for retirement • Answers a wide variety of personal finance questions • Provides a resource suitable for both personal and scholarly use
Category: Business & Economics

Teachers Have It Easy

Author : Dave Eggers
ISBN : 9781458784384
Genre :
File Size : 80.43 MB
Format : PDF, Docs
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Since its initial publication and multiple reprints in hardcover in 2005, Teachers Have It Easy has attracted the attention of teachers nationwide, appearing on the New York Times extended bestseller list, C-SPAN, and NPR's Marketplace, in addition to receiving strong reviews nationwide. Now available for the first time in paperback, this groundbreaking book examines how bad policy makes teachers' lives miserable. Many teachers today must work two or more jobs to survive; they cannot afford to buy homes or raise families. Interweaving teachers' voices from across the country with hard-hitting facts and figures, this book is a clear-eyed view of the harsh realities of public school teaching, without chicken-soup-for-the-soul success stories. With a look at the problems of recruitment and retention, the myths of short workdays and endless summer vacations, the realities of the work week, and shocking examples of how society views America's teachers, Teachers Have It Easy explores the best ways to improve public education and transform our schools.

What Next

Author : Michael Price
ISBN : 9780989294720
Genre : Self-Help
File Size : 68.58 MB
Format : PDF, ePub, Mobi
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Millennials (Generation Y) were born into a world with a unique set of circumstances: Rapid technological advancement, the rise of The Internet, a new modern yet old school work place, a broken education system, and tremendous economic disadvantages. What Next? The Millennial's Guide to Surviving and Thriving in the Real World takes Millennial's through high school, college, Corporate America and beyond, and gives the reader insight to take on the world with ease and confidence with step-by-step skills and life lessons developed and used by author Michael Price.
Category: Self-Help

Employee Engagement

Author : Pete Blank
ISBN : 147768705X
Genre : Business & Economics
File Size : 45.72 MB
Format : PDF, Kindle
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In Employee Engagement: Lessons from the Mouse House! Blank includes real-life stories, provides examples, and illustrates how the famous resort keeps over 50,000 cast members dedicated to their work. Readers will find many valuable tips, tricks, and techniques scattered throughout the following chapters:• Engage Them with Employee Development• Engage Them via Team Building• Engage Them through Motivation• Engage Them by Enhancing YOUR Leadership Skills• Engage Them by Amplifying YOUR Recognition Methods• Engage Them by Partnering and Building RelationshipsThe author hopes supervisors, managers, and business owners will use this comprehensive guide to create a thriving environment within their own organizations. In the end, it's all about applying just the right amount of Disney magic!
Category: Business & Economics

Education Exposed

Author : Kelly Matthews
ISBN : 1482619199
Genre : Education
File Size : 61.12 MB
Format : PDF, ePub, Mobi
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Read : 1269

Have you ever wondered: whether or not the exorbitant amount you pay to send your child to private school is worth it, or why teachers say they are underpaid, or why urban school systems can't seem to get it together, or why so many teachers leave the profession within five years, or why college freshmen can't manage to write in complete sentences? If you can answer "Yes!" to any of the these concerns, then this book is for you. In Education Exposed, Kelly Matthews (writing under a pseudonym) uses her personal experiences in teaching and leading in inner-city schools to explain why public schools are failing and what lawmakers need to do about it. She explains the nuts and bolts of public education and exposes the skeletons in their closet in order to paint an accurate picture of what is really going on in the schools. With a lighthearted tone, Matthews entertains and informs readers as she helps start important conversations about education--an essential to the personal success of each child and a key ingredient in the future of our nation.
Category: Education