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Good news for hard economic times . . . During this recession, even people once considered prime customers have watched their credit ratings decline. This guide shows these readers how to reestablish their credit and increase their credit scores. Topics include: the ins and outs of credit scores; where to get credit reports and how to identify mistakes; how to take advantage of consumer protection laws; telephone scripts and a letter to use when communicating with creditors and bureaus. • In 2008, over two million Americans lost jobs-and one out of every 10 mortgages were one month or more behind in payments • Author is a sought-after expert on personal financial planning, featured in Money Magazine, Family Circle, Women's Day, and on CNBC and CNN
When bad credit happens to good people. Once someone’s personal financial credit goes bad, it can be a difficult process to bring it back into good standing. This guide shows consumers how to repair their credit, increase their credit score, and avoid falling victim to the instant credit repair industry and its fraudulent claims and scams. • Research by the Federal Reserve indicates that household debt and personal bankruptcy filings are at record high levels • Only book on the shelves to include coverage of the The Fair and Accurate Credit Transaction Act, which goes into effect 12/1/2004 • Author has been featured in Money, Family Circle, and Women’s Day, and has appeared on CNBC and CNN
Put the brakes on costly car bills. The Complete Idiots Guide to Auto Repair Illustratedcovers everything readers need to know about their automobiles, from the tires up. Tailor-made for true novices, it shows them how to make some of the most basic repairs themselves nd teaches them enough to feel confident that theyll never be taken for a ride by a mechanic again. More than 300 easy-to-understand illustrations and a 50-page self-diagnosis guide organized for quick identification of what s wrong New- and used-car warranty information Step-by-step illustrated instructions on how to conduct routine maintenance An overview of how each system steering and suspension, cooling, electrical works
Simplifying and understanding health care in America. In 2004, Congress created Health Savings Accounts (HSAs) with the intention of putting the brakes on runaway health care costs. The concept was simple: Get people to start thinking about health care expenses the same way they think about other goods and services they buy. But what started as simple idea has proven to be difficult for many to understand and implement. This book simplifies HSAs and their corresponding HDHPs for business owners and managers alike. • Covers how HSAs and HDHPs work, the pros and cons of them, how to install them, strategies for getting the most out of them, and how paychecks and taxes are affected • U.S. health care costs were nearly $1.7 trillion in 2003. • According to a national survey, 81% of large and 78% of small companies are considering implementing HSAs by 2006
Making potty time happy for toddlers and parents. It’s one of the first rites of passage in life. Somewhere around the age of 26 months—more or less—toddlers are introduced to the potty. In The Pocket Idiot’s Guide® to Potty Training Problems, Alison D. Schonwald, also known as “The Poop Doctor” of Boston’s Children’s Hospital, addresses the needs of parents and their reluctant toddlers in a warm, reassuring manner that will calm nerves and ease tension for both the baby and parents. • Includes tips on making the bathroom kid-friendly. • Explains what factors can confuse toddlers and keep them from succeeding at toilet training. • Helps parents design a step-by-step plan, use praise, and find incentives that work.
It doesn't matter if you only want to buy a house, get some money to start a business or get your personal finances on track, THE 800 BLUEPRINT gives up bankable information and unleashes industry secrets that can help anyone go from bad credit to borrowing 6 figures or more within 12 months. This book is a must read as it contains some of the most impactful information on personal credit and credit card funding available today. The author lays out a easy to follow guideline to get negative items deleted, maximize borrowing potential and add another level of financial literacy that can be easily understood. *Sample dispute documents included.* It is easier and faster to borrow a million dollars than it is to earn it, so why would you not want to fix your credit and get in the game?
Sets out a simple month-by-month program to reveal all of the night sky's biggest and most beautiful secrets in just one year – and with only a few hours of stargazing each month By investing just an hour a week and $50 in binoculars, it’s possible to learn a few simple techniques and quickly gain a real insight into the night sky's ever-changing patterns – and what they tell us about Earth, the seasons and ourselves. Searching more for a learned appreciation of nature and our exact place within the cosmos than academic scientific knowledge, science and travel writer Jamie Carter takes the reader on a 12 month tour of the night sky's incredible annual rhythms that say so much about Earth. During the journey he learns about the celestial mechanics at work in the skies above that are – to the beginner – almost beyond belief. As well as the vital constellations and clusters, and the weird and wonderful nebulas, he searches out “dark sky destinations” across the globe that help increase knowledge and give a new perspective on familiar night sky sights. On the journey he witnesses a solar eclipse and grapples with star-charts, binoculars, smartphone apps, telescopes, spots satellites and attempts basic astro-photography. By year's end, the reader will be able to glance at the night sky from anywhere on the planet and tell what direction he or she is facing, what time it is, where all the planets are and even where the Galactic Center Point is.
Brandon spent many years struggling with poor credit, but he cleaned it up with The Section 609 Credit Repair Secret. You don't need to spend any money on attorneys and credit repair companies. The secret is revealed here and it works every time. This book will teach you the incredibly easy process the professionals are using and charging thousands of dollars for. A simple step-by-step guide to remove all derogatory items on your credit reports, even if they do belong to you! Are charge-offs, repos, bankruptcies, judgments, short-sales, loan modifications, late payments, and collection accounts preventing you from receiving the life you deserve? This book will make your creditors fear you and not the other way around.This book includes DISPUTE LETTER TEMPLATES to dispute your adverse accounts.100% Legal & Proven Method.Improve credit from very poor to EXCELLENT. FICO Scores from below 500's to above 700's.What to do, when to do it, and how to do it.Step by step instructions how to fill out your dispute letters.How to mail the letters to the CRA'sHow to respond with a 4 step letter writing system to CRA's.Very easy to do.This will help you fix your credit and get you the life you deserve.This is the stuff creditors don't want you to know! THIS WILL SAVE YOU MONEY AND BRING YOU FINANCIAL FREEDOM. If you're tired of dreaming of a better life and want one now, it's time to use The Section 609 Credit Repair Secret.
• Beginner’s reference guide to household repairs and simple renovations. • Teaches basic DIY skills and provides guidance to get the job done. • Simple presentation for the DIY novice, young renters, and first-time homeowners. • Authors are experienced DIY experts.