101 Ways to Get Out Of Debt and On the Road to Wealth

A practical guide to getting out of debt and understanding the option of personal bankruptcy The current credit and financial crises have prompted Joan Feeney, a preeminent Massachusetts Bankruptcy Judge, and Theodore Connolly, a Finance and Bankruptcy Attorney, to write a book that will help people handle their financial troubles. The Road Out of Debt seeks to assist those considering bankruptcy by demystifying the bankruptcy process and explaining what you can expect to gain (or lose) from it. With the insights of both a bankruptcy judge and a bankruptcy lawyer, you'll be able to determine when it's best to avoid bankruptcy, when you should seek bankruptcy protection, and, most importantly, how best to work through the bankruptcy process, if you so choose. With millions of Americans personally facing dire financial situations, job losses, home foreclosures, and other major financial challenges, no book could be more timely. An exceptional resource for anyone contemplating bankruptcy or otherwise trying to figure out how to handle their debt Puts the bankruptcy process in perspective and reveals specific steps to follow Discusses how to decide whether or not bankruptcy is the right path for you Written by a well-respected bankruptcy judge and bankruptcy attorney As more people find themselves entering financial difficulties, an increasing number of them will need information to help them through these problems. The Road Out of Debt provides you with the serious solutions needed to overcome a personal financial crisis.

"Every page of this exciting new book explodes with the energy of new ideas. You haven't read these techniques on the Net or anywhere else. Highly recommended!" —Joyce Lain Kennedy, America's No. 1 Syndicated Careers Columnist Get all the interviews you want—instantly! It's a jungle out there—a jobjungle. You're crouching—and grouching—waiting impatiently to attack the next job that appears. You hear a rustle through the trees and hold your breath. Something moves— but before you can pounce, it's gone. Each time you get better and better. . .at blowing interviews. Is that you? Why? What are you waiting for? You could be having more fun and more success than you've ever had in your life! Instant Interviews turns you into an interview magnet. If you're going to use traditional lead sources like the Internet, classified ads, or job fairs, this book will supercharge their effectiveness. You'll stop waiting for something to happen and start making it happen yourself. Instant Interviews includes 101 easy, proven techniques for getting the only thing that counts in the job jungle—an interview. Get face-to-face with your future using these strategies and dozens more: Find your ideal employer online right now Incite potential employers to interview you today Immediately reply to only the hottest job listings Know now what employers want, not what they say Read between the lines in help-wanted ads to get interviewed first Develop your interviewing persona fast Develop a list of personal references by tomorrow Use temporary assignments differently to get hired right away Get interviews through the back door this Saturday Auction yourself to the highest bidder by next week Develop an endless flow of job offers without delay It's all inside. The techniques in Instant Interviews are designed solely to have you in the right place at the right time to land your dream job. Starting today. Smart, savvy, and sure—these are the ultimate skills for unlimited career success through unlimited interviews in any economy.

A New York Times bestseller and one of the Ten Best Business Books of 2013 by WealthManagement.com, this book brings a new vision of the value of debt in the management of individual and family wealth In this groundbreaking book, author Tom Anderson argues that, despite the reflex aversion most people have to debt—an aversion that is vociferously preached by most personal finance authors—wealthy individuals and families, as well as their financial advisors, have everything to gain and nothing to lose by learning to think holistically about debt. Anderson explains why, if strategically deployed, debt can be of enormous long-term benefit in the management of individual and family wealth. More importantly, he schools you in time-tested strategies for using debt to steadily build wealth, to generate tax-efficient retirement income, to provide a reliable source of funds in times of crisis and financial setback, and more. Takes a «strategic debt» approach to personal wealth management, emphasizing the need to appreciate the value of «indebted strengths» and for acquiring the tools needed to take advantage of those strengths Addresses how to determine your optimal debt ratio, or your debt «sweet spot» A companion website contains a proprietary tool for calculating your own optimal debt ratio, which enables you to develop a personal wealth balance sheet Offering a bold new vision of debt as a strategic asset in the management of individual and family wealth, The Value of Debt is an important resource for financial advisors, wealthy families, family offices, and professional investors.

The book of financial wisdom that your future self will thank you for reading For many adults under 40, 'debt' is a four-letter word—something that should be avoided but is all too often unavoidable. In The Value of Debt in Building Wealth, bestselling author Thomas J. Anderson encourages you to rethink that. You'll walk away from this book with an understanding of how you can use debt wisely to secure the financial future you envision for yourself and your family. Student loans, mortgages, lines of credit, and other forms of debt are all discussed in detail, with a focus on smart planning for those who are accumulating assets—and debt—now. Should you rent or buy? How important is liquidity? What is good versus bad debt? How much debt should you have? What debt-to-income and debt-to-asset ratios should you aim for? Fixed debt or floating debt? What's the best way of saving for college and retirement? These are big questions that deserve thorough answers because the choices you make now could influence the course of your life. This thought-provoking book will open your eyes to savvy financial strategies for achieving your goals faster and with healthier bank accounts. Explore strategies for smart debt management, explained by one of the nation's top financial advisors Gain an understanding of investment basics and key financial concepts you'll need to achieve your long-term goals Understand the risks of having debt and the potential risks of being debt-free Make financial decisions now that will maximize your wealth, freedom, and opportunity later This book is not about buying things you cannot afford. It is about liquidity, flexibility and optimizing your personal balance sheet. The Value of Debt in Building Wealth is full of ideas you can apply to your own situation—no matter what your current asset level. Read this book today and thank yourself later.

Praise for Ron's Road to Wealth «Long-term investors will learn much from Ron Muhlenkamp's thoughtful reflections on what he has learned about investing over a thirty-year period of successful practice.» –Milton Friedman «Ron Muhlenkamp has thought long and hard and successfully about investments for many years. He has learned not to be misled by the distortions that inflation brings to normal returns. He has also learned the important understanding that volatility is not the risk that should concern long-term investors. His book will help readers to do better.» –Allan H. Meltzer, Professor of Political Economy and Public Policy, Carnegie Mellon University «Ron Muhlenkamp has one of the most original, insightful minds in the financial world today. His record is superb. You will find his book a richly rewarding read.» –Steve Forbes, President and Chief Executive Officer of Forbes and Editor in Chief of Forbes magazine «Conventional wisdom says that mutual fund managers can't beat the market; Ron Muhlenkamp's record proves that he can. Ron's Road to Wealth offers a bounty of snapshots of the insightful thinking that has allowed Muhlenkamp to better his peers with remarkable consistency. While many on Wall Street make their living adding to the confusion of the investment process, Muhlenkamp cuts through the clutter to reveal the commonsense logic underneath the surface. If you're tired of conventional investment results, you'll relish this book's unconventional wisdom.» –Don Phillips, Managing Director of Morningstar, Inc. «Ron Muhlenkamp is virtually the only commentator in today's investment world who makes a compelling and commonsense case for active investment management. His principles have exactly what you look for in the investment world: they modestly underpromise and have an interesting history of overdelivering.» –Bob Veres, Publisher and Editor of Inside Information

It's not all about the money; the key to true riches Leo Tolstoy said, «Nobody knows where the human race is going. The highest wisdom, then, is to know where you are going.» Yet many today chase the false rabbits of success: status, luxury, reputation and material possessions. In the quest to «have it all,» our lives often lack real meaning and purpose. Beyond Wealth is the antidote. New York Times bestselling author Alexander Green takes things right down to brass tacks: We are here for a short time. Knowledge is limitless. Therefore, the most critical knowledge is not any particular skill but rather wisdom about «how to live.» Fortunately, men and women have had several thousand years to think about what it means to live «the good life.» And the answers found here, from Plato and Aristotle to Mahatma Gandhi and Stephen Hawking, will both surprise and delight you. Beyond Wealth provides insightful commentary on the most important aspects of our lives: love, work, honor, trust, freedom, death, fear, truth, beauty and other timeless issues. The book is both a thought provoking read and the ideal gift, guaranteed to ennoble, uplift and inspire.

Fresh, creative strategies guaranteed to enliven online training 101 Ways to Make Learning Active Beyond the Classroom provides proven, practical strategies, activities, and tips for those tasked with facilitating training in any subject area among alternative settings. Based on the best-selling Active Training approach, these methods have been designed by recognized experts, and are guaranteed to enliven any learning event. Readers will find a toolkit of ready-to-use exercises and tips for organizing, conducting, and delivering active learning, in alternative settings on the job or around the world. The book is organized in a way that allows trainers to quickly and easily identify strategies that hold the most promise for specific situations. Each strategy is illustrated with a case example that demonstrates the concepts in action. Two hundred tips organized in twenty how-to lists will prove invaluable for using Twitter, coaching virtually, encouraging informal learning, opening interactive virtual learning sessions, and much more. Coverage includes best practices for social media and informal learning, common e-learning tools, as well as guidance toward using a full gamut of tools from gamification and simulation to serious games and m-learning. Active training encourages participants to use their brains to study ideas, solve problems, and apply what they've learned. It's a fast-paced, fun, supportive, and personally engaging environment. This book shows training facilitators the proven techniques that help learners get more out of the material. Design a more engaging learning environment Improve delivery with optimized technology Utilize effective learning tools and practical strategies Learn best practices for social media, coaching, virtual learning, and more Learners need to figure things out by themselves, ask questions, practice skills, and transfer skills and knowledge to the job. With proven strategies designed by industry leaders, 101 Ways to Make Learning Active Beyond the Classroom is the indispensable guide to the design and delivery of effective alternative ways to learn.

As featured on The Project (Channel Ten), A Current Affair (Channel 9), ABC Radio and in Money Magazine. Stop giving your money away! You work hard for your money, and you work even harder to set and keep a budget that makes the most of it. But when tax time arrives, do you feel shorted on your return? Nearly everyone has to pay taxes, but the government is only entitled to so much of your money. You might be letting them keep hundreds or even thousands of dollars that rightfully belong to you. No matter what your accounting habits have been so far, you can still claim what's yours. 101 Ways to Save Money on Your Tax—Legally! 2014 – 2015 is your ultimate guide to maximising your return. Author Adrian Raftery, a.k.a. Mr. Taxman, is Australia's leading personal taxation expert. In the book, Raftery provides the information you need to get back every single dollar you're entitled to, plus tips and tricks that help you get the most out of deductions related to: You, your family, and your property Education, employment, and small business Investment property, shares, and superannuation Special circumstances, including medical expenses and levies The book also contains advice on related matters, including tax-effective investments, tax planning, and how to find a great accountant. All information has been updated to reflect tax law changes wrought by the May 2014 budget. If you're tired of paying too much tax and seeing too little return, 101 Ways to Save Money on Your Tax—Legally! 2014 – 2015 is your comprehensive guide to putting things right, starting now.

An essential money-saving resource for every Australian who pays tax – updated for the 2022-2023 tax year and including the latest COVID-19 pandemic government relief measures. 101 Ways to Save Money on Your Tax – Legally!  is the tax guide every Australian should own. Step-by-step instructions from Adrian Raftery, aka Mr. Taxman, will show you how to leverage every available deduction to lower your tax bill and keep more of your hard-earned money. Thoroughly updated for the 2022-2023 tax year, this new edition gives you the up-to-date information on changes to the tax codes as well as the latest updates to COVID-19 pandemic government relief measures. Tax laws are constantly changing, but you don’t have to pore over piles of legislation to file your tax accurately and completely – that’s what Mr. Taxman is here for. Don’t let yourself become one of the people who overpay. Find out what you actually owe, and prepare for even better savings next year. This guide removes the stress and confusion from tax season and helps you file on time with no mistakes. Whether you're an individual, married couple, investor, business owner or pensioner, this guide will help you: understand how your taxes have changed for 2022-2023 reduce your tax bill, potentially by $100s or $1000s learn plenty of expert tips, avoid tax traps and find the answers to frequently-asked questions explore topics such as medical expenses, levies, shares, property, education, business and family expenses, superannuation and much more protect yourself from errors, audits, overpayments and other common problems. When it's time to file your tax, turn to  101 Ways to Save Money on Your Tax – Legally!  Maximise your deductions and get the best possible tax return. Don’t pay more than you have to. Mr. Taxman is here to help.

THIS BOOK IS YOUR FIRST TAX DEDUCTION! WHY PAY MORE TAX THAN YOU HAVE TO? 101 Ways to Save Money on Your Tax – Legally! 2021-22 is the only tax guide you will need this year. Whether you’re submitting online or through your tax professional, Adrian Raftery, aka Mr Taxman, takes you step-by-step through the changes in the May 2021 budget, including the latest updates to COVID-19 pandemic government relief measures, tips for cryptocurrency trading, tax obligations for crowdfunding as a business activity and the use of private ancillary funds. No matter what your age or income, this helpful guide offers tips for all taxpayers including: employeesbusiness ownersstudentsfamiliessuperannuation fund membersinvestors with interests in rental properties and share portfolios.With 101 Ways to Save Money on Your Tax – Legally! 2021-22 , avoid the common mistakes that cost taxpayers every year, get answers to the most frequently asked questions and discover essential money-saving tax tips for the 2021-2022 tax year.