Slash Your Debt: Save Money and Secure Your Future

Book Description

Credit cards may sound like a great way to finance your lifestyle - but do you know how much you'll really be paying and just how long it will take you to get out of debt? Even if you consolidate your debts, do you know the hidden pitfalls that could cost you thousands and get you even deeper in debt? Now, this first-of-its-kind guide unlocks the secrets of "credit card math" and shows you how to navigate the tricky world of debt consolidation options - such as home equity loans, 401(k) loans, credit cards - and come out AHEAD. Slash Your Debt: Save Money and Secure Your Future - written by America's top credit experts, Gerri Detweiler, Marc Eisenson and Nancy Castleman - is filled with simple charts that show how to pay off small or large debts as fast as possible, saving you a ton of money. You'll discover ...
* Why a 13% credit card can cost more to pay off than a 19% one ...
* Where to get consolidation loans with no credit check ...
* Smart ways to make secret credit card math work to your advantage ...
* How to create a rapid repayment plan based on your personality ...
* The 8 essential keys to successful debt consolidation ...
* and much, much more! The influential experts, who have already helped thousands of people save millions of dollars, are now offering YOU their priceless secrets in this step-by-step guide for getting out of debt fast. Chapter 1: Debt Consolidation Basics The Good News: If you choose the right consolidation loan, you'll have one monthly payment (or at least fewer payments), which can mean fewer hassles. You can save time and money -- if you choose a debt consolidation loan with an attractive interest rate and reasonable repayment terms. The Traps: You may pay more with a debt consolidation loan. That's correct. If you don't choose the right consolidation loan, you can end up forking over even more money than if you had just paid your bills at the higher interest rates. You may be in debt for a very long time. Some of these loans carry long repayment terms that can keep you in debt for decades, if not generations! You may end up deeper in debt than when you started. This happens to a lot of folks. Don't let it happen to you! Follow our advice to ensure that you'll get out of debt and stay out. Our first goal is to help you choose the lowest-cost debt consolidation option for your situation, which will hopefully mean lowering the interest rate you're being charged. But getting a lower rate is just one of the steps you can take to get out of debt and save a bundle. Another is to pay off your debt as soon as possible, ideally in no more than three to five years. Throughout this book, we're going to offer many tips that will help you pay off your debts faster, at less cost, and without creating more problems for yourself in the future. Concrete examples will make it easy for you to tune in on the advice that's most relevant to your situation. To keep the numbers as simple as possible, we'll assume your debt is all on one credit card, carrying a 17% interest rate and requiring a minimum monthly payment of 2% of the outstanding balance. As your balance goes down, so will your required payment. (That's how credit cards work. Mortgages, car loans, student loans, and other personal loans require a predetermined monthly payment that does not get smaller as the balance is paid down.) We'll compare three levels of debt: $5,000, $10,000, and $15,000. If your debt is smaller or larger than that, you'll be able to use the tables we provide for information that more closely matches your situation. The Less You're Charged, the More It May Cost At first glance, it would seem that the lower the interest rate charged on a credit card balance, the less you'll pay in interest. And all things being equal, that would be true. Unfortunately, all things aren't always equal, and the credit card industry has come up with an ingenious way to turn less into more.

Customer Reviews:

Good book on how to reduce debt - and a easy read........2002-07-19

I bought this book and showed it to a friend who is in a credit crunch. He looked at me and said; "This is just plain common sense." I agreed and said, "Then how come you are not doing better financially?"Common sense is not necessarily common knowledge and unfortunately is usually not common practice.-To know and not to do is the same as not knowing.I highly recommend this book.

Great suggestions for cutting interest expenses.......2001-09-04

Common sense should tell you this stuff but not everyone is dollar wise. In my search for a good book on how to payoff credit card debt quickly, I found most books were for people who have already ruined their credit. We needed a book for someone with good credit, that just wants to payoff their bills. This book concentrates on paying off debt and saving as much as possible in interest. It points out how just a little extra can make a huge difference in the long run. They have several great ideas for reducing your debt and many great examples. The book is very easy to read and comprehend. Great for anyone, regardless of your credit rating!

Better off without it.......2000-12-21

I bought this book hoping that the writer had provided solid, unique advice for saving money and finding your way out of debt. Unfortunately, the book didn't tell me anything I didn't already know. (Don't use credit cards, pay in cash, etc.) I think that anyone with common sense would be able to think of the tips that the book details. By the time the book arrived, I had already made efforts to do the things that the author suggest without reading any book or researching other sources. Although it is easy to read, the simplicity isn't worth the effort of buying the book and reading it cover to cover. My best advice is that anyone who has questions about debt sit down an try to think logically about what they can do about their situation before consulting the book.

Easy-to-understand advice.......1999-10-25

This book has really a great advice on how to consolidate your debts. It really makes it clear how to save money & get out of debt fast. The charts in the book are so helpful. I know I'll save a lot of money following this advice. Plus it's really easy to read! I really recommend it.

If you spend money, you need this book.......1999-10-23

After reading "Invest In Yourself, Six Secrets To A Rich Life" by Gerri, Marc, and Nancy. I didn't think it was possible for them to hit back to back homeruns. They didn't, they've hit a GRAND SLAM! "Slash Your Debt, Save Money And Secure Your Future" should become the financial BIBLE of the average working Joe like you and me. Eight years ago my wife and I were $15,000.00 in debt on credit cards from purchases and a failed Multi-level Marketing program. Soon the creditors started calling all the time looking for payments. I had a copy of Marc's first book, "The Bankers Secret" that was given to me when I was a morning disc jockey on the local radio station. I glanced at it once or twice but thought, "This would never work for me." As the debts climbed higher and the stress level increased, I did what most people would do. I thought about declaring bankruptcy. Many of my "financial advisor" friends told me that it was the easiest way to go. Instead I picked up the book again, looked up Marc's address and found his phone number.I called him and asked him to prove to me that what he said in his book was really true. I found him and Nancy to be two of the most honest down to earth people that I had ever met. And they were living the stress free life that they were writing about. I began to follow their advice and read more of their books and pamphlets. Listened to their audio tapes. And started using their computer programs to eliminate my debt the honest way, by paying it off. We are now only one payment away from credit card debt freedom. All because I listened to the experts on Financial freedom. Marc, Nancy, & Gerri. This new book is so easy to read that the average person who balances their own checkbook can benefit. I read the entire book in three days and then read it again. It's short, simple, and to the point. I do not invest in stocks (yet). So you can skip those chapters if they do not fit your situation and still benefit from this book. Slash Your Debt is a must read for anyone who spends or uses money, and has to work hard to pay it back. If you owe money that is costing you money. Then Slash Your Debt should be in your hands today. I never thought that my wife and I could be so close to having those credit cards paid off. We have saved Thousands of dollars in interest by following the advice of these three financial advisor geniuses. I'll say it again. If you owe money that is costing you money, Slash Your Debt- Save Money And Secure Your Future is the book that has all the answers and advice you'll need. It's your money, it's your future. The decisions you make today will be to your benefit in your future. Start today to "Slash Your Debt"!

Slash Your Debt: Save Money and Secure Your Future -- Winning debt consolidation strategies from America's top credit experts

Average customer rating:

Slash Your Debt: Save Money and Secure Your Future -- Winning debt consolidation strategies from America's top credit experts
Gerri Detweiler , Marc Eisenson , and Nancy Castleman
ProductGroup: Book
Binding: Paperback
ASIN: B000R4NKEC

Product Description

Make your journey to debt-free living as painless as possible! Slash your debt reveals: proven strategies for saving thousands of dollars while getting out of debt fast, 8 essential keys to successful debt consolidation, how to cut your interest rate by as much as half--even if you have less-than-perfect credit, how to avoid expensive traps with home equity consolidation loans, and more. Slash Your Debt provides a clear path to get out of debt and begin saving money for a more comfortable life and retirement. Easy-to-use charts make this book an invaluable resource to free up your money for more productive uses.

Slash Your Debt Save Money and Secure Your Future

Average customer rating:

Slash Your Debt Save Money and Secure Your Future
Gerri and Eisenson, Marc and Castleman, Nancy Detweiler
Manufacturer: Finiancial Literacy Center
ProductGroup: Book
Binding: Paperback
ASIN: B000O635FW

Customer Reviews:

Got a sneak peak!.......2004-08-23

My paralegal course instructor (a former administrative law judge)gave our class a little "mini tour" of this book. When the class was dismissed, I went home and immediately got on the internet and ordered it! It's an awesome resource for anyone who plans on doing any research in a law library. I wouldn't recommend doing legal research without it. A must buy!

Sample Pages: Illustrations of Organization and Research Techniques in West Group's

Average customer rating:

Sample Pages: Illustrations of Organization and Research Techniques in West Group's
West Group
Manufacturer: West Group
ProductGroup: Book
Binding: Paperback
ASIN: B000OTNGPS

Book Description

Book plus CD-Rom. Scoring high on the AP Exam translates to saved time and money—but how much? Peterson's updated Master the AP series answers this question with a new Quick-Reference Chart for each test by college and university, test designation, required score, credits granted, courses waived, and any stipulations. Students don't have to wonder how their college of choice will reward their hard work.Each book also contains in-depth subject reviews along with test-taking strategies and two full-length practice tests with detailed answer explanations.

Customer Reviews:

This book has everything you need for the AP Chemistry test........2007-07-07

Quite simply, there is no other AP review book that will prepare you for the AP Chemistry test as well as Master AP Chemistry, by Peterson's.

While this book may be larger than the other study books (especially Princeton Review) it's because little is left out. For some, this book may be too excessive and detailed, but with colleges turning to accepting 5's as the only way to CLEAR college courses, this is the book to buy.

I'm not saying this is the best book without a reason, I actually have/borrowed all the others books for AP Chem that are sold at my local Barnes & Noble. This includes: Princeton, 5 Steps to a 5, Cliffnotes, and Barron's. I found the other books to have annoying commentary (entirely unnecessary), to be TOO shallow, or to have an annoying layout.

Master AP Chemistry has every bit of information needed: to survive the test (3) through the "Summing it Up" section at the end of every chapter; to show proficiency (4) through the "Summing it Up," Bolded Words, and practice tests at the END of the Entire book; and to show mastery (5)through everything above, the in-depth information in every chapter, and the tests at the end of each chapter.

I happened to get a 5 on the AP Chem test, and that score has saved me from taking general chemistry as a Freshman in college with about, 400-500 other students (in each lecture hall.) I have no doubt that this book was what enabled me to get a '5', but I also must suggest three other important factors.
1. A willingness to study and invest "Free-time" to pass
2. A good/experienced teacher
3. Practice/Old AP tests (Collegeboard's website and your teacher should have old AP tests)*Format changed this year on 'Reactions' portion, but old tests still do an ample job preparing*

However good a study guide might be, you, the test-taker have to be accustomed to how the test "works," it's layout, wording, timing, subject matter, and the expectation that a normal 'A' (90%) on this test is unlikely, so you WILL miss questions and you can't let this bother you.

Once again, Colleges are turning to 5's and no other book prepares students as well, but you're the one who has to open it and read it.

Master the AP Chemistry, 1st edition (Peterson's Ap Chemistry)

Average customer rating:

Great study guide

Master the AP Chemistry, 1st edition (Peterson's Ap Chemistry)
Peterson's
Manufacturer: Peterson's
ProductGroup: Book
Binding: Paperback

General | Test Prep Central | Reference | Subjects | Books

General & Reference | Chemistry | Science | Subjects | Books

ASIN: 0768918286

Book Description

Each year, ambitious high school seniors take at least one AP exam in hopes of getting a head start on their college career. Peterson's AP Chemistry provides complete test preparation for one of the more popular AP exams taken by students during their junior and senior years in high school. This informative and up-to-date book covers all major test topics--from hydrocarbon chemical reactions to stoichiochemistry--that students will encounter on this exam, taken by more than 48,000 individuals each year.

FEATURES AND BENEFITS - Two full-length practice tests, plus a diagnostic test - In-depth review of all subjects covered on the test - Simple strategies for tackling every question type - Study tips geared to serious takers

Customer Reviews:

Great study guide.......2007-02-01

My son used this book while he was in his AP Chemistry class and learned so much from it. It gave him an opportunity to really practice.

Peterson's Ap Success Chemistry 2001 (Ap Success : Chemistry, 2001)

Average customer rating:

Boring

Peterson's Ap Success Chemistry 2001 (Ap Success : Chemistry, 2001)
Dana Freeman , Richard E. Bleil , and Syed M. Aijaz
Manufacturer: Peterson's Guides
ProductGroup: Book
Binding: Paperback

Study Skills | Education | Nonfiction | Subjects | Books

Testing | Education | Reference | Subjects | Books

General | Test Prep Central | Reference | Subjects | Books

General & Reference | Chemistry | Science | Subjects | Books

Look Inside Teen Books | Trip | Specialty Stores | Books
ASIN: 0768904587

Customer Reviews:

Boring.......2001-08-16

I found the book to be dull and not very informative. It was a waste of money. There are much better books out there. Did not help me prepare for the exam. Answers to questions were simplistic and not complete.

AP Success: Chemistry, 4th ed (Ap Success : Chemistry)

Average customer rating:

Extremely helpful - A++++!
Very poor

AP Success: Chemistry, 4th ed (Ap Success : Chemistry)
Peterson's
Manufacturer: Peterson's
ProductGroup: Book
Binding: Paperback

Study Skills | Education | Nonfiction | Subjects | Books

General | Test Prep Central | Reference | Subjects | Books

General & Reference | Chemistry | Science | Subjects | Books

Look Inside Teen Books | Trip | Specialty Stores | Books
Similar Items:

Chemistry (Cliffs AP)

ASIN: 0768912679

Book Description

Each year, ambitious high school seniors take at least one AP exam in hopes of getting a head start on their college career during their junior and senior years in high school. Peterson's s AP Success Chemistry provides complete test preparation for one of the more popular AP exams, which is taken by more than 48,000 individuals each year. This book covers all major test topics--from kinetics to thermodynamics--that students will encounter on the exam. Detailed reviews of subject principles allow students to fully understand the skills that will help them score well on the test. Peterson's AP Success Series includes the features that are the hallmark of Peterson's Success series: Red Alert test-taking strategies, flexible study planning, user-friendly design geared for the high school student, and answers with comprehensive explanations for all test items.

Customer Reviews:

Extremely helpful - A++++!.......2003-07-14

I highly reccommend this book. It was a great review of what I had learned over the past 9 months and helped me learn what I hadn't.

Very poor.......2003-05-11

This is a typicl example of a poor level of production in an AP review book. The practice tests are neither accurate simulations of real AP tests or reflections of the AP curriculum. I found most of the questions easier than real AP questions, and many questions supplied formulas or hints that would never appear on a real test, thus spoiling the opportunity to gauge what you need to review. Review materials themselves are disorganized and too brief to be worth reviewing (anyone who doen't already know whats in this book shouldn't be taking the test.) The "Red Alert" study plan can be summarized as "read two chapters of this book a week, and then take some practice tests."

Customer Reviews:

Immolating myself would be more fun..........2003-04-24

This book is the most awful excuse for a review book that I have ever seen. It doesn't explain any of the example questions throughout the chapters, except for the easiest ones. The book fails to give you equations necessary to answer equations, and even neglects to provide some very basic constants. For example, the book does not tell you that R, the gas constant, is equal to .0821 L*atm/mol*k. The book also does not tell you that there are 22.4 L/mol at STP. Unless these are just hidden carefully away in some secret forest of Chemistry values, this is plainly unacceptable. Many of the answers they give you are clearly wrong, there are typos rife throughout the book, and several things are repeated or put in the wrong place. I can't believe I wasted my money on this monstrosity. I will burn this book ASAP.

Peterson's AP Chemistry Book: Horrible.......2002-05-14

At the beginning of the book, the author suggests three different plans one could follow while preparing for the AP Chemistry exam: 10week, 20week, and finally, a "Panic Plan". It seems that when the authors were creating this book, they followed a panic plan of their own. In my short time with the book, there are several incomplete, nonsensical statements I have found, a diagram misplaced, and several problems where the given "answer" is wrong.

Besides these annoying problems, the foundation of the book is poor. The setup of the book is awful. Instead of basing the book around important equations, they base it around their overly simplistic questions and mention the equations as an afterthought. If this wasn't bad enough, the answers are immediately after most of these questions. One is constantly having to cover them up with one's hand or a sheet of paper.

To sum it up, the book is unreliable, is organized poorly, and has questions that are far too simple. DO NOT BUY THIS BOOK!

Peterson's AP Chemistry Book: Horrible.......2002-05-14

To sum it up, the book is unreliable, is organized poorly, and has questions that are far too simple. DO NOT BUY THIS BOOK!

Average customer rating:
Ap Chemistry Combo Set 2001
PETERSON S
Manufacturer: Peterson's
ProductGroup: Book
Binding: Paperback
ASIN: 0768907888

Book Description

It has been said that relationships would be so much easier if they could be accomplished alone. Well, to some extent relationships can be a solo endeavor, but the fulfillment factor tends to wane in proportion to the amount of chafing that occurs. And so, someone else becomes one of the basic requirements for a successful relationship. Beyond this, however, we have little to help us understand how to foster good relationships other than the advice of our family and friends whose soap-opera lives leave us wondering about the veracity of their wisdom. Thus, our relationships become a learn-as-we-go-spiraling-into-the-abyss proposition. But somehow over time we do learn. So, in order to alleviate the pain of this often lengthy learning curve, I have written this book as a field guide to help those of you who are unsure of who to turn to regarding our often difficult and embarrassing relationship concerns.

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