The Best Ever Guide to Getting Out of Debt for Pharmacists: Hundreds of Ways to Ditch Your Debt, Manage Your Money and Fix Your Finances is a groundbreaking resource filled with hundreds of strategies that will totally transform your life. The Best Ever Guide to Getting Out of Debt for Pharmacists is filled with so many tips that even if you only implement a few of the ideas suggested, you'll still be able to repay your debts years sooner than would be otherwise possible. You'll discover how to:• Reduce the amount of interest you pay on your credit cards • Get your credit card companies to cut your interest rates • Save money and eliminate wasteful spending without totally changing your lifestyle • Have friends and relatives help you achieve your goals without giving you money • Reduce your living expenses • Pay less for almost everything you buy. This book is different than the other books on the market because it doesn't just offer a single strategy. It offers multiple methodologies that have all been proven to work. Since you're not locked into a single strategy, you can implement the ideas that suit you. Ask yourself: Do you want to get out of debt and live the life you want, or do you want to continue struggling others use your money get richer?
The Best Ever Guide to Getting Out of Debt for Pharmacy Technicians: Hundreds of Ways to Ditch Your Debt, Manage Your Money and Fix Your Finances is a groundbreaking resource filled with hundreds of strategies that will totally transform your life. The Best Ever Guide to Getting Out of Debt for Pharmacy Technicians is filled with so many tips that even if you only implement a few of the ideas suggested, you'll still be able to repay your debts years sooner than would be otherwise possible. You'll discover how to:• Reduce the amount of interest you pay on your credit cards • Get your credit card companies to cut your interest rates • Save money and eliminate wasteful spending without totally changing your lifestyle • Have friends and relatives help you achieve your goals without giving you money • Reduce your living expenses • Pay less for almost everything you buy. This book is different than the other books on the market because it doesn't just offer a single strategy. It offers multiple methodologies that have all been proven to work. Since you're not locked into a single strategy, you can implement the ideas that suit you. Ask yourself: Do you want to get out of debt and live the life you want, or do you want to continue struggling others use your money get richer?
***AVAILABLE AT www.pharmdloans.com ***Are you: Overwhelmed with student loans? Confused by all the repayment plans that exist? Unsure if your strategy will save you the most money? Feeling anxious about how to handle your loans during your residency? Worried about doing everything right for the Public Service Loan Forgiveness Program? If so, you're not alone! Pharmacists today are now facing an average of over $170,000 in student loan debt and aren't always provided with the best tools and resources before graduating. Salaries are not keeping pace and you have additional job market challenges that will directly impact your ability to manage your debt. This is the unfortunate reality that pharmacy graduates are now facing. This book is your guide to help you: Analyze all of the payoff strategies available to you, Confidently choose a plan that will save you the most money and align with your goals Optimize strategies to maximize the benefits of forgiveness programs, Implement ways to accelerate your payoff and become debt-free faster
A simple, proven-effective formula for freeing yourself from debt—and staying that way • Revised and updated, with a new Preface by the author “A must read for anyone wanting to get their head above water.”—The Wall Street Journal THE CLASSIC GUIDE, REVISED WITH UP-TO-THE-MINUTE INFORMATION OUT OF THE RED • Do this month’s bills pile up before you’ve paid last month’s? • Do you regularly receive past-due notices? • Do you get letters threatening legal action if immediate payment is not made? • Do the total amounts of your revolving charge accounts keep rising? INTO THE BLACK Whether you are currently in debt or fear you’re falling into debt, you are not alone. Sixty million Americans—from doctors to secretaries, from executives to the unemployed—face the same problem and live under the same daily stress. Based on the proven techniques of the national Debtors Anonymous program, here is the first complete, step-by-step guide to getting out of debt once and for all. You’ll learn • how to recognize the warning signs of serious debt • how to negotiate with angry creditors, collection agencies, and the IRS • how to design a realistic and painless payback schedule • how to identify your spending blind spots • how to cope with the anxiety and daily pressures of owing money • plus the three cardinal rules for staying out of debt forever, and much more! This book is neither sponsored nor endorsed by Debtors Anonymous. A recovered debtor, the author is intimately familiar with the success of the Debtors Anonymous program.
The Best Ever Guide to Getting Out of Debt for Radiologists: Hundreds of Ways to Ditch Your Debt, Manage Your Money and Fix Your Finances is a groundbreaking resource filled with hundreds of strategies that will totally transform your life. The Best Ever Guide to Getting Out of Debt for Radiologists is filled with so many tips that even if you only implement a few of the ideas suggested, you'll still be able to repay your debts years sooner than would be otherwise possible. You'll discover how to:• Reduce the amount of interest you pay on your credit cards • Get your credit card companies to cut your interest rates • Save money and eliminate wasteful spending without totally changing your lifestyle • Have friends and relatives help you achieve your goals without giving you money • Reduce your living expenses • Pay less for almost everything you buy. This book is different than the other books on the market because it doesn't just offer a single strategy. It offers multiple methodologies that have all been proven to work. Since you're not locked into a single strategy, you can implement the ideas that suit you. Ask yourself: Do you want to get out of debt and live the life you want, or do you want to continue struggling others use your money get richer?
Written by a practicing emergency physician, The White Coat Investor is a high-yield manual that specifically deals with the financial issues facing medical students, residents, physicians, dentists, and similar high-income professionals. Doctors are highly-educated and extensively trained at making difficult diagnoses and performing life saving procedures. However, they receive little to no training in business, personal finance, investing, insurance, taxes, estate planning, and asset protection. This book fills in the gaps and will teach you to use your high income to escape from your student loans, provide for your family, build wealth, and stop getting ripped off by unscrupulous financial professionals. Straight talk and clear explanations allow the book to be easily digested by a novice to the subject matter yet the book also contains advanced concepts specific to physicians you won't find in other financial books. This book will teach you how to: Graduate from medical school with as little debt as possible Escape from student loans within two to five years of residency graduation Purchase the right types and amounts of insurance Decide when to buy a house and how much to spend on it Learn to invest in a sensible, low-cost and effective manner with or without the assistance of an advisor Avoid investments which are designed to be sold, not bought Select advisors who give great service and advice at a fair price Become a millionaire within five to ten years of residency graduation Use a "Backdoor Roth IRA" and "Stealth IRA" to boost your retirement funds and decrease your taxes Protect your hard-won assets from professional and personal lawsuits Avoid estate taxes, avoid probate, and ensure your children and your money go where you want when you die Minimize your tax burden, keeping more of your hard-earned money Decide between an employee job and an independent contractor job Choose between sole proprietorship, Limited Liability Company, S Corporation, and C Corporation Take a look at the first pages of the book by clicking on the Look Inside feature Praise For The White Coat Investor "Much of my financial planning practice is helping doctors to correct mistakes that reading this book would have avoided in the first place." - Allan S. Roth, MBA, CPA, CFP(R), Author of How a Second Grader Beats Wall Street "Jim Dahle has done a lot of thinking about the peculiar financial problems facing physicians, and you, lucky reader, are about to reap the bounty of both his experience and his research." - William J. Bernstein, MD, Author of The Investor's Manifesto and seven other investing books "This book should be in every career counselor's office and delivered with every medical degree." - Rick Van Ness, Author of Common Sense Investing "The White Coat Investor provides an expert consult for your finances. I now feel confident I can be a millionaire at 40 without feeling like a jerk." - Joe Jones, DO "Jim Dahle has done for physician financial illiteracy what penicillin did for neurosyphilis." - Dennis Bethel, MD "An excellent practical personal finance guide for physicians in training and in practice from a non biased source we can actually trust." - Greg E Wilde, M.D Scroll up, click the buy button, and get started today!
The Best Ever Guide to Getting Out of Debt for Rabbis: Hundreds of Ways to Ditch Your Debt, Manage Your Money and Fix Your Finances is a groundbreaking resource filled with hundreds of strategies that will totally transform your life. The Best Ever Guide to Getting Out of Debt for Rabbis is filled with so many tips that even if you only implement a few of the ideas suggested, you'll still be able to repay your debts years sooner than would be otherwise possible. You'll discover how to:• Reduce the amount of interest you pay on your credit cards • Get your credit card companies to cut your interest rates • Save money and eliminate wasteful spending without totally changing your lifestyle • Have friends and relatives help you achieve your goals without giving you money • Reduce your living expenses • Pay less for almost everything you buy. This book is different than the other books on the market because it doesn't just offer a single strategy. It offers multiple methodologies that have all been proven to work. Since you're not locked into a single strategy, you can implement the ideas that suit you. Ask yourself: Do you want to get out of debt and live the life you want, or do you want to continue struggling others use your money get richer?
The Best Ever Guide to Getting Out of Debt for Chemists: Hundreds of Ways to Ditch Your Debt, Manage Your Money and Fix Your Finances is a groundbreaking resource filled with hundreds of strategies that will totally transform your life. The Best Ever Guide to Getting Out of Debt for Chemists is filled with so many tips that even if you only implement a few of the ideas suggested, you'll still be able to repay your debts years sooner than would be otherwise possible. You'll discover how to:• Reduce the amount of interest you pay on your credit cards • Get your credit card companies to cut your interest rates • Save money and eliminate wasteful spending without totally changing your lifestyle • Have friends and relatives help you achieve your goals without giving you money • Reduce your living expenses • Pay less for almost everything you buy. This book is different than the other books on the market because it doesn't just offer a single strategy. It offers multiple methodologies that have all been proven to work. Since you're not locked into a single strategy, you can implement the ideas that suit you. Ask yourself: Do you want to get out of debt and live the life you want, or do you want to continue struggling others use your money get richer?
Increase the odds you won't run out of money in retirement – using debt! Conventional wisdom is wrong – being debt free in retirement may actually increase your risk. The Value of Debt in Retirement teaches you how incorporating debt into your retirement strategy may increase your return, lower your taxes and actually lower your risk. You read that right. If handled correctly, debt—that thing we've all been taught to avoid—can play an integral role in your life, especially in retirement. New York Times Best Selling Author and nationally acclaimed financial expert Tom Anderson shows you how to use the time tested strategies of the best companies and the ultra rich to retire comfortably, minimize taxes, buy the things you have always wanted to have and do the things you have always wanted to do. Thought provoking and against the grain, Anderson explains why your risk tolerance doesn't matter, why being debt free may actually increase your risk and why rushing to pay off your mortgage may be a financial disaster. Full of shocking revelations and tricks high- net-worth individuals have used for years, The Value of Debt in Retirement opens the world to a new approach to wealth management in retirement, one that factors in both sides of the balance sheet as an integrated ecosystem. Real-world case studies illustrate how informed debt strategies can lead to a happier, healthier retirement. See how an individual with a net worth of more than $5 million can spend $20,000 per month - after taxes - and pay less than $5,000 per year in taxes, how it is possible to increase your rate of return by 50%, and how a lower risk portfolio with debt could increase the chances you do not run out of money. Specifically written to Baby Boomers, practical guides and checklists show how to use debt strategies to fund primary and secondary properties, refinance credit card debt, and finance hobbies, such as cars and boats and recreational vehicles. Additional guides show how you can help your children, help your parents and leave a bigger legacy for your heirs and favorite charities. Regardless of your net worth, The Value of Debt in Retirement provides tools to use to apply these concepts to your personal situation. There is no free lunch: the book delivers a balanced perspective focusing on the potential risks and benefits of the strategies discussed. A discussion on economic history highlights some of the shocks the economy may face and provides important warnings that you should factor into your retirement plan. Anderson not only shows that your life expectancy may be longer than you think, but also illustrates that many investors may be on track to average returns well under 4% for the next ten years – a potentially devastating combination. Irrespective of your beliefs about debt, The Value of Debt in Retirement proves risk is more important than return for retirees and provides suggestions on ways to minimize that risk. Not all debt is good and high levels of debt are bad. The Value of Debt in Retirement is about choosing the right debt, in the right amounts, at the right time. Perhaps most importantly, this book isn't for everybody. This book requires responsible actions. If you can't handle the responsibility associated with the ideas then this book then it isn't for you. If you need a rate of return under 3% from your investments then you may not need this book. But if you can handle the responsibility and if you need a return above 3%, this book may offer insights into the best (and potentially only) way to achieve your goals.
Money is a spiritual issue. The failure to handle it properly can impede the vitality of our relationship with Christ and others. Reverend James Meeks offers this practical manual to help believers obtain freedom from debt so they can properly love and serve others in need. He exhorts people to get out of debt and encourages them that it's possible. He gives readers a definitive method to get out and stay out of debt. Readers will be encouraged that it's possible, and inspired to achieve it.
