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College Secrets

College Secrets Author Lynnette Khalfani-Cox
ISBN-10 9781932450118
Release 2014-09-09
Pages 270
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To properly manage college costs, you need to understand the real price tag of a higher education, including hidden fees that surprise students after they enroll in a college or university. College Secrets and its companion book, College Secrets for Teens, reveal the true costs of earning a college degree – and then provides hundreds of money-saving ideas to help students and parents reduce or eliminate these expenses. College Secrets can save you $20,000 to $200,000 over the course of a four-year education. In this book, you’ll discover: · 22 hidden costs that college officials never talk about · 24 tricks to slash in-state and out-of-state tuition costs · 7 tips to keep room and board expenses under control · 13 strategies to save money on books and supplies · 14 lifestyle costs that students must manage wisely · 6 do’s and don’ts to avoid credit card debt in college · 12 steps to boost your odds of winning scholarships · 15 common mistakes that reduce your financial aid … and much, much more! The College Secrets series is your roadmap to paying for college the smart way – with some sanity, truth and planning in the process, and without going broke or winding up deep in debt.

How to Graduate Debt Free

How to Graduate Debt Free Author Kristina Ellis
ISBN-10 9781617958304
Release 2016-08-09
Pages 224
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Nearly 70% of students graduate with close to $30,000 in debt. But you don’t have to be one of them! In these pages, acclaimed author Kristina Ellis walks you through the wide world of college-finance options, presenting tips, secrets, and strategies so you can develop a personalized plan. A plan to overcome obstacles and get your degree debt-free. With Kristina as your mentor, you’ll discover how to: Establish a winning money mindset Save up and cut costs before you get to campus Figure out the dollars and sense of financial aid Secure your share of free cash for college Earn money to pay as you go Choose a school and a major that’s worth it Stretch your funds when every penny counts With determination, the right information, and a well-planned strategy, you can earn that career-advancing degree and graduate from college debt-free. #NotGoingBroke

Debt Free U

Debt Free U Author Zac Bissonnette
ISBN-10 1101458968
Release 2010-08-31
Pages 304
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This book can save you more than $100,000. These days, most people assume you need to pay a boatload of money for a quality college education. As a result, students and their parents are willing to go into years of debt and potentially sabotage their entire financial futures just to get a fancy name on their diploma. But Zac Bissonnette is walking proof that this assumption is not only false, but dangerous-a class con game designed to rip you off and doom your student to a post-graduation life of near poverty . From his unique double perspective-he's a personal finance expert (at Daily Finance) AND a current senior at the University of Massachusetts-Zac figured out how to get an outstanding education at a public college, without bankrupting his parents or taking on massive loans. Armed with his personal knowledge, the latest data, and smart analysis, Zac takes on the sacred cows of the higher education establishment. He reveals why a lot of the conventional wisdom about choosing and financing college is not only wrong but hazardous to you and your child's financial future. You'll discover, for instance, that: * Student loans are NOT a necessary evil. Ordinary middle class families can- and must-find ways to avoid them, even without scholarships. * College "rankings" are useless-designed to sell magazines and generate hype. If you trust one of the major guides when picking a college, you face a potential financial disaster. * The elite graduate programs accept lots of people with non-elite bachelors degrees. So do America's most selective employers. The name on a diploma ultimately won't help your child have a more successful career or earn more money. Zac can prove every one of those bold assertions - and more. No matter what your current financial situation, he has a simple message for parents: "RELAX! Your kid will be able to get a champagne education on a beer budget!"

2018 Federal Children s Scholarship Handbook

2018 Federal Children s Scholarship Handbook Author Federal Handbooks
ISBN-10 9781329881105
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2018 Federal Children s Scholarship Handbook has been writing in one form or another for most of life. You can find so many inspiration from 2018 Federal Children s Scholarship Handbook also informative, and entertaining. Click DOWNLOAD or Read Online button to get full 2018 Federal Children s Scholarship Handbook book for free.

College Secrets for Teens

College Secrets for Teens Author Lynnette Khalfani-Cox
ISBN-10 1932450122
Release 2015-01-01
Pages 210
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College costs often start several years before actual enrollment. Those costs include college exams, test preparation and tutors, pre-college programs and summer activities, campus tours and visits, and college application costs. In this book, you will learn all about pre-college expenses and how to minimize them. "College Secrets for Teens" and its companion book, "College Secrets", reveal the true costs of earning a college degree, including hidden higher-education expenses.--Publisher.

Zero Debt

Zero Debt Author Lynnette Khalfani-Cox
ISBN-10 193245070X
Release 2016-10-22
Pages 252
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Would You Like to Have Zero Debt? Eight out of 10 Americans owe some form of debt. So there's a good chance that you, or someone you know, would like to become debt free. From excessive credit card bills and mounting student loans to hefty car payments and big mortgages, debt can be crippling - and not just financially. Debt takes a toll on you in many ways. It hurts your ability to save, invest and create a better life. It impacts your physical, mental and emotional health. Too much debt even spoils relationships, leading to arguments about money and divorce. Whether you recently got into debt due to circumstances beyond your control, or your own poor choices have kept you in debt for as long as you can remember, know this: Debt does not have to remain a way of life. Regardless of your situation, you can get on the road to financial freedom - and you can do it yourself in the next 30 days! If you want to dig yourself out of debt once and for all, you need an action plan. This book is your step-by-step, 30-day plan to jumpstart your finances. It's simple. It's easy to understand. And it works. Zero Debt teaches you the exact strategies the author used to pay off $100,000 worth of credit card bills in just three years - without ever missing a single payment. If she can do it, so can you! In this revised and completely updated version of Zero Debt, you'll discover: The best ways to pay off credit card debts (spoiler: it's not what 99% of experts tell you) How to eliminate your student loans and reduce auto loans Spending and budgeting tips anyone can use - even shopaholics Insider secrets to negotiating with credit card companies and fixing your credit Your legal rights - and what bill collectors can and can not do under the law Recommendations for reputable debt management firms and credit counselors How to shore up your overall finances so you never go back into debt again Wouldn't you like to be free from financial worries? Don't you want to rest at night knowing your bills are paid? You can have peace of mind when it comes to money matters. It all starts by eliminating excessive debt, and using time-tested strategies to save your hard-earned cash.

The Money Coach s Guide to Your First Million

The Money Coach s Guide to Your First Million Author Lynnette Khalfani
ISBN-10 9780071470810
Release 2007
Pages 232
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As seen on CNBC, “Dr. Phil,” “Starting Over,” and “Tavis Smiley” Each day, nearly 25,000 people in the U.S. become millionaires…. Why not you? All it takes is smart planning, shrewd investing, and a little personal coaching-from the world-renowned Money Coach, Lynnette Khalfani. She's living proof that you can go from rags to riches if you follow a few simple guidelines. Believe it or not, Lynnette managed to dig herself out of $100,000 of credit card debt, turn her life around, and become a millionaire herself. Even more amazing: You can do it, too. The Money Coach's Guide to Your First Million tells you exactly what to do. First you'll formulate an easy-to-follow budget that fits your lifestyle. Then you'll be able to construct a plan to get out of debt, establish perfect credit, and save a bundle, using the same strategies the wealthy do to manage the money they have-and to keep making more. Soon you'll learn how to invest in stocks and bonds (without losing your shirt) and make a fortune in real estate (without becoming a landlord if you don't want to.) You'll learn the financial benefits of entrepreneurship and discover the SMART way to set goals (Specific, Measurable, Action-oriented, Realistic, and Time-bound.) You'll avoid the most common financial pitfalls and come out on top every time. In fact, you're just 7 steps away from your first million! The Money Coach's “Millionaire Success Formula” will show you how to: Make a personal prosperity plan Invest first, last, and always in your reputation Live like a lender, not a borrower Leverage the power of property Increase your fortune with proven methods not shortcuts Overcome setbacks and minimize risks to your financial health Never forget the next generation

Perfect Credit

Perfect Credit Author Lynnette Khalfani-Cox
ISBN-10 1932450998
Release 2010-01-01
Pages 210
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If you have negative marks in your credit history, you already know what a pain it is living with bad credit: you get turned down for credit cards and loans or you pay sky-high interest rates when you do get approved. The list of indignities you suffer with poor credit goes on and on.Even people with ¿good¿ credit histories and respectable credit scores are having a tough time. Banks have imposed new fees, raised interest rates, slashed credit lines and even closed accounts of customers with so-called ¿good¿ credit. Which is why, even if you have a fair-to-good credit rating, you need to learn how to achieve ¿perfect credit.¿Perfect Credit is the definitive guide to getting and keeping outstanding credit. Think of this book as a roadmap for anyone hoping to establish picture-perfect credit, make improvements to have stellar credit, or simply maintain a fantastic credit standing. Today, roughly 220 million Americans have credit files maintained by the ¿Big Three¿ credit bureaus: Equifax, Experian, and TransUnion. Of those, about 40 million Americans (roughly 1 out of 5), have very poor credit, or ¿deep subprime scores,¿ according to Experian. Another 50 million adults in the U.S. have no credit files ¿ either because they¿ve never used traditional forms of credit, or because their credit files are ¿too thin¿ to generate a credit score. Perfect Credit offers all these consumers an easy-to-follow blueprint on how to get superb credit ¿ and how to sidestep numerous credit traps and pitfalls along the way.

College The No Debt Way No debt college grads share their secrets

College The No Debt Way  No debt college grads share their secrets Author Bob Adebayo, PhD
ISBN-10 9781682893791
Release 2016-03-14
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Why pay for college education and rack up a huge debt? There are dozens of ways to get your college education for free and College the No-Debt Way holds the key. Dr. Bob Adebayo has done the research for you. He has approached hundreds of college graduates who are proud to have started their working lives free of education debt and he has collated their strategies. Bob has also tapped into the wisdom of counselors, educationalists, and parents of debt-free college graduates. College the No-Debt Way reveals that two things are necessary: knowledge and attitude. This valuable book puts all the knowledge of grants, credits, and smart strategies at your fingertips and, at the same time, analyzes the specific attitudes and mind-sets of successful graduates who have beaten the odds and avoided huge debt. You will quickly see that the smart players start the process very early. If you are determined to get a college education, it is never too early to set yourself up for a debt-free start in life. If you are already in debt, this nifty book explains how you can completely get off the hook. “I wish a tome such as this had been available to me before my four kids went through college. What a valuable boon it would have been” (Anonymous manuscript reviewer). Grab your copy of College the No-Debt Way now and learn how you can complete your education without debt and develop the essential attitudes that you need to achieve this.

College Without Student Loans

College Without Student Loans Author Dave Smith
ISBN-10 9781614486343
Release 2013-09-01
Pages 116
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The process of S.A.F.E. ways is a logical, easy to follow road map that any college bound family can implement with effective results. If we were riding a bicycle, the front wheel would be “Selection” and “Acceptance”, giving a strong and meaningful direction/reason for attending college for the student. The back wheel is “Funding” and “Execution” the important components for the parents in this process. Both students and parents have an active role in S.A.F.E. which provides the family with predictable and affordable results for each student.

Your First Home

Your First Home Author Lynnette Khalfani-Cox
ISBN-10 1932450858
Release 2008
Pages 304
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Guides prospective first-time homeowners on the process of buying a house, covering such topics as hiring an agent, financing a mortgage, and managing a closing.

TheSmartestWay to Save Big

TheSmartestWay to Save Big Author Samuel K. Freshman
ISBN-10 9780982474679
Release 2017-02-01
Pages 146
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TheSmartestWayTM to Save Big’ is our third book in our TheSmartestWayTM series on how to save money. We thought that the first two books, ‘TheSmartestWayTM to Save’ and ‘TheSmartestWayTM to Save More’, were the total of what we had to say on the topic. Were we ever wrong: During the 2007 housing bubble, people delayed saving for retirement because they thought the inflated value of their home would stay afloat so they borrowed on their home equity. When the bubble burst, more people were having trouble hanging onto their money. We decided to write book number three to help you attain financial freedom. Financial freedom means no worries about money. “He who knows he has enough is rich.” But how much is enough? That answer is different for everyone. It is knowing that you have saved and invested what you need to be comfortable in the lifestyle of your choice for the rest of your life – without having to work anymore.

Confessions of a Scholarship Winner

Confessions of a Scholarship Winner Author Kristina Ellis
ISBN-10 9781617951725
Release 2013-03-20
Pages 224
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Kristina Ellis was awarded a full scholarship through her PhD. How she managed to get that kind of a scholarship offer is revealed in this book. Raised by a single mother, Kristina appeared to have everything stacked against her – years of living below the poverty level, imperfect grades and sub-par SAT scores. Yet Kristina discovered the secrets to effectively presenting herself as a unique and desirable scholarship candidate. And she’s sharing her secrets for scholarship success with students (and their parents) so that they too can obtain money for college.

Pay for College Without Sacrificing Your Retirement

Pay for College Without Sacrificing Your Retirement Author Tim Higgins
ISBN-10 0972002189
Release 2008
Pages 219
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"Examines the cost of college within the context of a family financial plan; financial aid; academic, athletic and need-based scholarships; tax sheltered savings plans such as 529s; potential help from grandparents; and the use of business assets, loans,home equity, and retirement savings"--Provided by publisher.

Debt Free For Life

Debt Free For Life Author David Bach
ISBN-10 9780385676069
Release 2011-01-28
Pages 240
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The #1 bestselling author presents his most important book since The Automatic Millionaire and gives Canadians the knowledge, the tools, and the mindset to get out of debt — forever. Whether you are working off student loans or trying to meet the minimum balance on your credit card bill, you are probably worried every time you open your mailbox. With salaries frozen and layoffs looming, how will you ever be able to pay down that debt, let alone retire in peace? Here, David Bach offers a new philosophy made for our times, a paradigm-shifting approach to finance that teaches you how to pay down your debt and adopt a whole new way of living. If you have debt, you can be rich but still not free. When you pay down your debt, you reach Freedom Day, that glorious moment when you need a lot less money just to live. On that day, you are truly free. You can have a smaller nest egg and still retire, perhaps even earlier than you expected. With his trademark motivational energy and take-action step by step advice, Bach helps you revolutionize your finances. In these lean times, it's still possible to live your financial dreams. Let David Bach show you how. From the Hardcover edition.

The Total Money Makeover

The Total Money Makeover Author Dave Ramsey
ISBN-10 9781595550781
Release 2009-12-29
Pages 259
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A strategy for changing attitudes about personal finances covers such topics as getting out of debt, the dangers of cash advances and keeping spending within income limits.

I Will Teach You To Be Rich

I Will Teach You To Be Rich Author Ramit Sethi
ISBN-10 0761156313
Release 2009-03-23
Pages 266
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At last, for a generation that's materially ambitious yet financially clueless comes I Will Teach You To Be Rich, Ramit Sethi's 6-week personal finance program for 20-to-35-year-olds. A completely practical approach delivered with a nonjudgmental style that makes readers want to do what Sethi says, it is based around the four pillars of personal finance--banking, saving, budgeting, and investing--and the wealth-building ideas of personal entrepreneurship. Sethi covers how to save time by not wasting it managing money; the guns and cars myth of credit cards; how to negotiate like an Indian--the conversation begins with "no"; why "Budgeting Doesn't Have to Suck!"; how to get things rolling--for real--with only $20; what most people don't understand about taxes; how to get a CEO to take you out to lunch; how to avoid the Super Mario Brothers trap by making your savings work harder than you do; the difference between cheap and frugal; the hidden relationship between money and food. Not to mention his first key lesson: Getting started is more important than being the smartest person in the room. Integrated with his website, where readers can use interactive charts, follow up on the latest information, and join the community, it is a hip blueprint to building wealth and financial security. Every month, 175,000 unique visitors come to Ramit Sethi's website,, to discover the path to financial freedom. They praise him thoughtfully ("Your site summarizes everything I want with my life--to be rich in finances, rich in experience, rich in family blessings," Dan Esparza) and effusively ("Dude, you rock. I love this site!" Richard Wu). The press has caught on, too: "Ramit Sethi is a rising star in the world of personal finance writing . . . one singularly attuned to the sensibilities of his generation. his style is part frat boy and part silicon Valley geek, with a little bit of San Francisco hipster thrown in" (San Francisco Chronicle). His writing is smart, his voice is full of attitude, and his ideas are uncommonly sound and refreshingly hype-free.