You don’t need an accounting degree to get a grip on your finances!

Most people give up on money management for the same reason they quit dieting-it’s just too hard to manage all the details, so they forget it altogether. But handling your personal finances doesn’t require complicated budgets or technical spreadsheets.

Economist William Wood says that it’s better to do something imperfectly than to do nothing at all. Rather than tracking every penny, we’re better off following basic, general guidelines that will help us avoid common financial pitfalls.

Filled with real-world examples and illustrations, this book offers simple, practical advice for getting your finances in order, with sound help for reducing debt, spending less and saving more. Even in today’s uncertain economic climate, we can invest in ways that give us stable, long-term growth. Wood provides common-sense approaches to topics like credit cards, insurance, mortgages, mutual funds and much more.

Ultimately Wood reminds us that money is not only for our own benefit; good financial stewardship creates opportunities to give and provide for others. Wood’s blend of financial expertise and biblical wisdom shows how Christians can honor God with their money. Whether you are starting college, buying your first home or approaching retirement, here is a sensible approach to personal finance that anybody can handle.

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428 Page supplement to Fair Debt Collection with sealed cd-rom

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Each year, millions of Americans sink further into debt and the sad truth is that most Americans have been conditioned to believe that debt is a normal part of life. If credit problems are adversely affecting your life, there are ways to improve your financial situation, and Credit Hell: How to Dig Out of Debt can show you how.

Written by Howard S. Dvorkin–a nationally known expert in the debt counseling field–Credit Hell walks you through the “getting-out-of-debt” process from assessing the state of your finances and developing a budget, to negotiating with your creditors, consolidating your debts, and rebuilding your finances after your money troubles are over. Filled with in-depth insights and practical advice, this user-friendly guide:
* Shows you how to deal with important debts like your mortgage, car loans, and taxes owed to the IRS
* Discusses why having a good credit history and a high credit score is important; how to order your credit report from each of the three national credit reporting agencies; and what you can do to improve your score and correct problems in your credit records
* Educates you about important laws that can protect you when applying for credit, using credit, or if a debt collector is hounding you
* Explains when filing for bankruptcy is your best option and provides you with an overview of the process

If you want to dig yourself out of debt and stay out of debt in the future, pick up Credit Hell and discover the best way to regain control of your financial life.

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The Debt Free Diet is a proven system that will help you get rid of your debt quickly and forever, without sacrificing the things you love. Even if your credit cards are maxed, you can be debt free in about five to eight years-including your mortgage! What is even better is that you can accomplish all of this using the money you already make. The Debt Free Diet is the tool that will finally set you free. Bottom line- this program works!

If you are tired of giving your hard earned money away to somebody else now is the time to make a change. You have the power to change your future. The Debt Free Diet will make it possible for you to make that change. The Debt Free Diet is not a consolidation loan. It is a proven system that works. If you want to get out of debt and start building true wealth than this is the book for you.

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A ruling party decides each of two periods on the level of public goods which it finances by means of taxation and internal debt. The debt has to be honoured by the government of the second period. Between the two periods elections take place, which may change the ruling party. The book analyzes the fiscal decision of the first government which aims to maximize the long run utility of its representative voter. Conditions under which the government uses debt strategically in order to stay in power are identified. It is also shown how the fiscal decisions hinge on the populations’ political structure and its beliefs about the future government.

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