With up-to-the-minute information . . . And an all-newpreface by the author! Out of the red . . . ? Do this month’s bills pile up before you’ve paid lastmonth’s? ? Do you regularly receive past-due notices? ? Do you get letters threatening legal action if immediate paymentis not made? ? Do the total amounts of your revolving charge accounts keeprising? Into the black . . . Whether you are currently in debt or fear you’re fallinginto debt, you are not alone. Sixty million Americans--from doctorsto secretaries, from executives to the unemployed--face the sameproblem and live under the same daily stress. Based on the proventechniques of the national Debtors Anonymous program, here is thefirst complete, step-by-step guide to getting out of debt once andfor all. You’ll learn: ? How to recognize the warning signs of serious debt ? How to negotiate with angry creditors, collection agencies, andthe IRS ? How to design a realistic and painless pay-back schedule ? How to identify your spending blind

Every decision, from buying a home to grabbing a daily latte,has costs and benefits-personal as well as financial. The Real Costof Living helps you make better decisions, both big and small-decisions that involve money, but aren't all about money.Well-known personal finance expert Carmen Ulrich makespersonal finance personal and takes into account that we all havemotivations that go way beyond number crunching. From marriage andfamily to career, investing, and more, Carmen examines the "realcost" of the choices we all make every day. * Is deciding whether to go back to work full-time after you havea child really all about money? Should it be? * Is prepaying a mortgage a smart-money move, or is it reallyabout craving security and stability-and which means more toyou? * How much do your bad habits really cost you? And is savingthousands of dollars enough of a motivation to get you tostop? * Are college degrees really worthwhile? And if so, how can youmaximize the odds of gaining

From first-time newlyweds to people on their second or thirdmarriage, couples face an overwhelming task when it comes to moneymanagement. Nationally renowned financial advisor and bestsellingauthor David Bach knows that it doesn’t have to be this way. InSmart Couples Finish Rich, he provides couples with easy-to-usetools that cover everything from credit card management, toinvestment advice, to long-term care. You and your partner willlearn how to work together as a team to identify your core valuesand dreams, creating a financial plan that will allow you toachieve security, provide for your family’s future financial needs,and increase your income. Together, you’ll learn why couples thatplan their finances together, stay together!

Not according to Jean Chatzky, one of the most popular personal-finance experts in the country, who has advised millions through her regular Today Show appearances and her columns in Money magazine. Now she shares the good news about a groundbreaking study she did with the Roper Organization; the Happiness Assessment. Her research shows that amount of money you make has surprisingly little to do with how financially happy you are. But the happiest people in America at all incorme levels tend to use the money strategies that Chatzky calls the "Ten Commandments of Financial Happiness." For instance, they pay their bills as they come in rather than all at one and minimize credit and debt. The bottom line: you have to pay attention to your money-and Chatzky shows you how to make the most of what you've got. But you certainly don't have to be rich achieve financial happiness. 作者简介：Jean Chatsky is the financial editor for NBC's Today show, has a monthly colomn in Money magazine, and is a featu

Owning a home has always been the American Dream, and in The Automatic Millionaire Homeowner , David Bach shows thatbuying a home and investment properties is not only possible, it isstill the surest way to reach your seven-figure dreams on anordinary income. Whether you are a renter or already own a home,Bach’s book offers a lifelong strategy for real estate based ontimeless wisdom that is tried and true—in any market. He includeseverything you need to know, with step-by-step instructions,including phone numbers and web sites, so you can get started rightaway. As long as you’re alive, you have to live somewhere. Why notlet where you live make you financially secure and ultimately rich?David Bach will show you how.

Get smart about spending and saving –– and ride out arecession! Looking for practical ways to make every dollar count? This savvyguide gives you expert tips for tightening your belt and savingcash in every area of your life –– from your house and car todining and entertaining to banking and managing debt. You getrealistic solutions for making smarter choices and living well inthis time of economic turmoil –– without extraordinary sacrifice!Bump up your take–home pay–– spiff up your resume, find a good jobfast, explore telecommuting, or start a home–based business Getyour personal finances in tip–top shape –– create a budget, paydown debt, save on insurance, and protect your retirement fundsDevelop recession–proof habits –– use coupons and rebates, extendthe life of your wardrobe, utilize community resources, travel on abudget, and save on utilities and fuel expenses Decorate on a dimeand entertain on a shoestring –– plan parties, celebrate theholidays, and give

"Home Economics" reintroduces readers to all Grandma's thriftytips, down-home know-how, honest-to-goodness advice, and deliciousrecipes. Modeled on and compiled from vintage home-ec textbooks,this adorable guide contains everything needed to whip up and keepup a happy, healthy, and - most important - economical homelife.

"Intelligent and accessible." --David Geffen Bad news: Themusic business is packed with hidden agendas. Good news: There'sone indispensable guide that helps songwriters, musicians,executives, lawyers, and managers understand the music business andtravel its shark-infested waters safely and confidently. "WhatThey'll Never Tell You About the Music Business" sold more than20,000 copies in its first edition. This new, fully revised editionpresents even more priceless insider information, updated fortoday's music scene, plus clear explanations and advice on the newtransparency in agreements, the impact of agent-artist agreements,new webcasting opportunities, changes in copyright law, royaltylimits, and all the other developments in law and technology, plusadvice for songwriters, AandR people, and artists, and much, muchmore. Packed with real-world ideas and tips, What They'll NeverTell You About the Music Business, Revised and Updated is themust-have guide for creative types and business types--everyone who

Stop Paying Rent! Are you ready to make the leap into home ownership, but more thana little nervous about taking that big step? Never fear. TheAbsolute Beginner's Guide to Buying a House is here to help youlearn everything you need to know to find your perfect home at aprice you can afford. You'll discover how to: ?Choose the real estate agent right for you ?Find the perfect house: price, location, size, and style ?Determine which type of loan is best for you ?Save money using the right negotiation strategies for yourmarket ?And much more!

This step-by-step guide to creating money and abundance was given to Sanaya and Duane by their guides, Orin and DaBen. These wise spirit teachers have successfully helped thousands of people to manifest prosperity, find their life’s work, and fulfill their life purpose. This book is infused with Orin and DaBen's consciousness of abundance that is available to you as you read to increase your ability to create money and abundance. You can see immediate results in your life when you learn to create abundance by following the spiritual laws of money and abundance. Section I, Creating Money, is a step-by-step guide to using powerful techniques that work to draw to yourself all that you desire that is for your higher good. You will practice creating what you want using energy, thought, and magnetism, and linking with your soul and Higher Will, to produce results beyond anything you can create with physical effort alone. You will discover what you want, and then draw things and situations to you that will

David Bach has a plan to help you live and finish rich—no matterwhere you start So you feel like you’ve started late? You are not alone. What if I told you that right now as you flip through this book,70% of the people in the store with you are living paycheck topaycheck? What if I told you that the man browsing the aisle to your leftowes more than $8,000 in credit card debt? And the woman on yourright has less than $1,000 in savings? See? You’re really not alone. Unfortunately, the vast majority of people who’ve saved too littleand borrowed too much will never catch up financially. Why? Becausethey don’t know how. You can start late and finish rich—but you need aplan. This book contains the plan. It’s inspiring, easy to follow, and isbased on proven financial principles. Building a secure financialfuture for yourself isn’t something you can do overnight. It willtake time and it will take work. But you can do it. I know. I’ve helped millions of people get their financial livest

Ten years ago, Suze Orman, America’s most celebrated financeexpert, transformed the way we all view personal finance with hergroundbreaking The 9 Steps to Financial Freedom. This New YorkTimes bestselling blockbuster broke from the ranks of traditionalmoney management books by looking at finances from an entirely newperspective, advising people to approach money from an emotionalstandpoint in order to achieve their financial dreams. Byemphasizing the psychological and spiritual power money has in ourlives, while still including information on all aspects of ourfinancial daily activities, Orman has helped millions break throughthe barriers that hold them back. She is now our country’s leadingpersonal finance expert, and here is the book that started itall. Orman is back in a brand-new, fully updated edition to The 9Steps to Financial Freedom, her personal finance classic thatoffers thoughtful, easy-to-follow steps toward a life of financialfreedom. Here is the most up-to-the-minute information

Forget what you’ve heard. Nice girls can get the corneroffice. As women, we haven’t always had the best role models at work. We’veeither worked for men or we’ve had female bosses who are, well, bigbitches. Woman still don’t have much of a road map right now whenit comes to taking charge at the office, so the team who broughtyou the national bestseller The Girl’s Guide to Starting YourOwn Business is drawing one for us. Caitlin Friedman andKimberly Yorio will teach you to be powerful without beingpossessive, to be opinionated without being brassy, and to have astrong voice without micromanaging. You’ll learn just how to ownthe role of queen bee in a positive way so that you can be morementor than manager, one who leads, inspires, and motivates. So, you finally got that promotion. You’re the boss now. Thesupervisor. The manager. The captain. The taskmaster. Those days oftaking orders, running errands, and clock-watching are over. Asexciting as all this might seem, once the rush of the pro