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by Stephen Elias, Robin Leonard
Product Group: Book
Publisher: NOLO (2006)
ISBN: 1413305083
EAN: 9781413305081
Dewy Decimal #: 346.73078
Paperback: 462 pages
Edition: Eighth Edition
SKU: 102908048
Condition: Used: Good
Comments: exlibrary copy in good condition with the usual markings and stickers
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Editorial Reviews
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Product Description
Reduce your debts, save your property -- and start over! Are you behind on your mortgage, taxes or other bills? Are creditors threatening foreclosure or repossession? Consider Chapter 13 bankruptcy, which can provide you an affordable repayment plan -- and let you keep your house, car and other property. You can even avoid attorney fees and do it yourself -- let Chapter 13 Bankruptcy show the way. Find out how to: determine if you qualify for Chapter 13 estimate monthly payments devise an acceptable repayment plan complete and file forms stop a house foreclosure make up missed mortgage payments pay off other debts represent yourself before a bankruptcy judge or trustee The 8th edition is completely rewritten to reflect the recent (and massive) changes to federal bankruptcy law, as well as the latest bankruptcy exemption laws of your state. It also includes the most current legal documents and instructions on filling them out. Whether you work with a lawyer or file on your own, you'll find everything you need to take charge of your debts in Chapter 13 Bankruptcy. Please note: This book does not cover business bankruptcies, farm reorganizations or individual repayment plans (Chapter 13). For Chapter 7 bankruptcy, see Nolo's How to File for Chapter 7 Bankruptcy.
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Customer Reviews
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TOP OF THE LINE
Rating  (5)
Date: 2008-10-13
As always, the Nolo bankruptcy books are the only way to go when it comes to self-help books for the non-lawyer. Plus, the latest edition appears to have updated the summary of the 50 states various exemptions, an improvement from before.
Interestingly, the latest edition appears to be biased in favor of creditors' interests a little more than it was in the previous editions.
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Chapter 13 Bankruptcy: Repay Your Debts (8th Edition)
Rating (5)
Date: 2007-09-14
4 out of 5 customers found this reveiw helpful
This book was very informative, I own a Bankruptcy Petition Preparer Service. To broaden my expertise in Chapter 13, I purchased this book. With the information in this book alone, I am now able to expand my business by offering Chapter 13 service to Attorneys. Five Stars for this book.
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A top reference both for filers and for public library reference sections.
Rating (5)
Date: 2007-03-04
7 out of 7 customers found this reveiw helpful
If you're behind on your bills and creditors are threatening, you can consider filing for Chapter 13 bankruptcy protection - and the 8th updated edition of Chapter 13 Bankruptcy will save you a fortune in attorney fees and confusion. Learn how to determine qualifications, understanding the law's protections, fill out and file forms, pay off debts and represent yourself in court: it's been completely rewritten to reflect the latest changes to federal bankruptcy law and includes all the latest facts, making this a top reference both for filers and for public library reference sections.
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Good job
Rating (5)
Date: 2004-05-09
7 out of 8 customers found this reveiw helpful
The author did a good job organizing the information in this book. I would also recommend Surviving Financial Disasters by Tiffany R. Love which comes with a CD ROM and actual sample court documents from someone who has been there and done that. Also tells what to expect after you filed your papers.
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This is another great one,
Rating (5)
Date: 2002-10-16
7 out of 14 customers found this reveiw helpful
This book also showed me how to MOtions and I feel like I can now do a motion for anything. Another great one for nolo.
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by Robert T. Kiyosaki, Sharon L. Lechter
Product Group: Book
Publisher: Warner Business (2001-01-01)
ISBN: 0446677485
EAN: 9780446677486
Dewy Decimal #: 332.024
Paperback: 288 pages
SKU: 060908022
Condition: Used: Acceptable
Comments: some creases in cover with edge wear
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Editorial Reviews
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Product Description
Growing up with two father figures, a "Rich Dad" and a "Poor Dad", Robert T. Kiyosaki understood well the importance of financial planning. In this easy-to-read parenting guide, Kiyosaki and co-author Sharon Lechter design a step-by-step guide for moms and dads to explain to their children the basics of our financial economy -- the employees, the self-employed, the business owners, and the investors. The authors explain that providing children with financial problem-solving skills, can help to ensure a profitable future.
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Customer Reviews
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Be Careful Letting your Child read this book.
Rating  (1)
Date: 2008-09-07
We listened to the audio version with our son. What a mistake. After listening to this he didn't want to go to school anymore. The book taught him that school won't help him make money in the future. Robert mentions several men who dropped out of college and made a fortune. He makes it seem real easy to become rich. He never mentions all of the other drop outs who lost money and are in the poor house.
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A useful resource, worth the price
Rating  (4)
Date: 2007-08-28
If you've read Robert T Kiyosaki's other books such as Rich Dad Poor Dad, the ideas presented in Rich Kid Smart Kid will probably not be new to you. However, the information is reorganised to focus on applying the Rich Dad concepts to the task of educating your child, which allows this book to remain a useful resource- even if it isn't 100% new.
Most helpful, in my opinion, are the parent-child interactive activities recommended by the book. For example, one suggestion is to take your child to the bank and ask the banker what interest rate they pay on savings as well as what they charge to borrow. Without the need to understand complicated math formulas, your child will quickly see that banks charge more than they pay, which will hopefully prompt questions in the mind of your child. Those questions will inspire your child to get answers that inevitably increase your child's financial intelligence.
One knock I often hear about this book, or any self-help title for that matter, is that the ideas are obvious. Some people wish to argue that because a concept is simple it is not useful. I couldn't disagree more. I try to judge the value of a thing by whether or not I get enough out of it to justify the cost, be it in dollars or time. If you cannot get the purchase price of this book back out of it in value, then you just aren't trying very hard.
While some of the concepts may seem obvious or simple in nature, it is the application of these concepts that produces real results. Some of the most complicated subjects in our world can involve very simple ideas. Think "What goes up, must come down." Simple, yes, but the practical applications involving gravity occupy a great deal of study time among physicists of the world.
My point is simple. This book gives you a variety of ideas and suggestions that will help you improve your child's financial education, but YOU have to be the one to do the work. Is it the world's greatest book and ultimate problem solver in the universe? No. Is it worth the purchase price? Without a doubt, absolutely yes.
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Best Book My Daughter Has Read!
Rating (5)
Date: 2007-02-01
2 out of 2 customers found this reveiw helpful
The title is her words not mine. I bought this book thinking that she might get through the first 3 or 4 chapters before she put it away in favor of her school work. Instead she carries it with her to school and reads it when she finishes her work. One of her teachers asked her about the book and after my daughter finished raving about it the teacher decided to get a copy for her self. That teacher now uses the book and it's principles in her classes.
What better testimony about a book than it is now being used in an academic setting?
My daughter has also surprised me by asking financial questions when we are alone. I am now in the middle of a job hunt and she asked me questions about what my salary would be with a new company. She listened intently as I explained negotiations over salary once I was offered a job. I explained the different factors that went into determining what I would ask for as a salary, such as distance to the new job, what others were making doing the same job, and benefits such as medical, dental, and of course vacation time. For an 11 year old she had an amazing grasp of what I was talking about. I believe this understanding came from reading this book. My son on the other hand, who is 24, is still working in a dead-end job making minimum wage. I gave him "Rich Dad, Poor Dad" and the cover has never been broken.
Buy this book for your kids; it is well worth the "investment" to teach kids how money works. Do it now while they are young.
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where is the information?
Rating (1)
Date: 2006-11-03
3 out of 6 customers found this reveiw helpful
This isn't really a 260 page book, it's a 5 page pamphlet that repeats itself over and over.
Really there is nothing new here if you've read Rich Dad Poor Dad, beyond a shameless marketing co-promote for his games, other books and a few of his friends.
Overall I thought Rich Dad Poor Dad was a pretty good book. This book however made me realize that Mr. Kiyosaki really has discovered the secret to becoming rich - write one half way decent book and then milk it as long as you can with other related books and products.
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Great audio book!
Rating (4)
Date: 2006-03-21
0 out of 1 customers found this reveiw helpful
Great audio book. Gives you information to help you teach your kid about money, and ways to keep you from over indulging your kids.
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by David Bach
Product Group: Book
Publisher: Broadway (2005-12-27)
ISBN: 0767923820
EAN: 9780767923828
Dewy Decimal #: 332.02401
Paperback: 272 pages
Release Date: 2005-12-27
SKU: 102908037
Condition: Used: Good
Comments: ...no markings or highlighting...minor wear on cover
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Editorial Reviews
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Product Description
What’s the secret to becoming a millionaire?
For years people have asked David Bach, the national bestselling author of Smart Women Finish Rich, Smart Couples Finish Rich, and The Finish Rich Workbook, what’s the real secret to getting rich? What’s the one thing I need to do?
Now, in The Automatic Millionaire, David Bach is sharing that secret.
The Automatic Millionaire starts with the powerful story of an average American
couple--he’s a low-level manager, she’s a beautician--whose joint income never exceeds $55,000 a year, yet who somehow manage to own two homes debt-free, put two kids through college, and retire at 55 with more than $1 million in savings. Through their story you’ll learn the surprising fact that you cannot get rich with a budget! You have to have a plan to pay yourself first that is totally automatic, a plan that will automatically secure your future and pay for your present.
What makes The Automatic Millionaire unique:
You don’t need a budget
You don’t need willpower
You don’t need to make a lot of money
You don’t need to be that interested in money
You can set up the plan in an hour
David Bach gives you a totally realistic system, based on timeless principles, with everything you need to know, including phone numbers and websites, so you can put the secret to becoming an Automatic Millionaire in place from the comfort of your own home.
This one little book has the power to secure your financial future. Do it once--the rest is automatic!
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Amazon.com Review
Despite its sensational title, David Bach's The Automatic Millionaire: A Powerful One-Step Plan to Live and Finish Rich is not a get-rich-quick guide. Rather, the book is a straightforward march through common-sense personal financial planning that suggests readers "automate" their contributions to retirement and investment vehicles. Bach, in fact, calls his model the "tortoise approach" to becoming wealthy by retirement age. In the early part of the book Bach builds on ideas he established in Smart Women Finish Rich and other bestselling titles. His core principle is that, to succeed, you must "Pay Yourself First." In other words, he suggests using pre-tax retirement accounts (e.g. 401(k)s or IRAs) to set aside a fixed, monthly sum of money before considering what is left for living expenses. The "automatic" part of the title comes from Bach's emphasis on using automated payroll deductions to avoid the temptation of using the money to pay today's bills. Bach insists that "regardless of the size of your paycheck, you probably already make enough money to become rich." But his claims that his plan requires "no budget, no discipline," is a bit disingenuous. His discussion of the "The Latte Factor" shows that, to find money to start a retirement plan, a person with a modest income needs to make an up-front commitment to stop accruing debt and to reduce spending on such "wasteful" items as lattes and cigarettes. In the end The Automatic Millionaire does not offer much that is new for readers already familiar with personal finance basics like accelerated mortgage payments, "the miracle of compound interest," and the setting up of emergency funds. But, for those just starting with financial planning, Bach provides a host of resources to put recommendations into action. He walks his readers through such fundamentals as shopping for interest rates, creating a balanced retirement portfolio, and consolidating debt. And Bach's conversational style will make this quick read highly palatable for those daunted by more detailed investment and personal finance titles. --Patrick O'Kelley
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Customer Reviews
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Good practical advice, nothing new
Rating  (3)
Date: 2008-10-14
The thesis of "The Automatic Millionaire" is that you should automatically invest a small amount of your income every pay check. Over time this will make you rich. In fact the author claims that if you start early you can retire young as a millionaire. Hence the title. While this is no doubt true, I don't think many people will do it.
I was annoyed the authors repeated self promotion. He referencing his previous books and web site in almost every chapter, several times in some cases. If they were so useful, he should have just included them in this book. His enthusiastic tone gets to be annoying after awhile too. He does also list other useful sites and services.
The advice to save part of your income automatically via direct deposit, or automatic deductions sounds like good advice, and seems achievable. Much of the rest of his advice is old hat. His suggestions about paying off credit card debt were not very interesting.
In summary, short well written solid advice, but you know most of it already.
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Good Advice but what about the working poor?
Rating (3)
Date: 2008-09-17
If you're just getting by, then don't even bother with this book. But if you do have some income to spare, its a great way to get your finances in order. There was just something really unrealistic about this book...especially for those of us starting over. Great book for teenagers and young college students who are just starting out.
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David Bach is the greatest financial expert
Rating (5)
Date: 2008-08-31
At first I was a little intimidated to read a book about finances but David Bach explains everything in plain english. There are a lot of things that I already knew I should be doing with my money but David really motivates me and makes me feel like I could really do this. I am truly on my way to being a millionaire! Thanks David Bach!
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A helpful guide on how to retire rich
Rating (4)
Date: 2008-08-08
Did you know that you don't need a big salary to become a millionaire, and that a carefully organized budget and intense willpower aren't even necessary? All it takes, says David Bach, is a simple one-step plan. Follow it to become an "automatic millionaire." Bach's save-your-pennies book is straightforward and sensible - though it predates the recent economic downturn. It comes complete with helpful tables and charts. He details how someone with an average income can eventually amass wealth through automatic savings. getAbstract finds it hard to argue with his basic, common-sense principles: Save steadily, avoid credit card debt, and so on. But Bach gives little weight to various real-life scenarios that can throw a money wrench into the most sensible savings plans. For example, what happens if you lose your job, get seriously ill or find that your home is depreciating? (In fact, he says U.S. houses double in value over five years. Alas, that's not the case in many places at the moment.) What about folks with erratic incomes who can't make automatic savings payments - the locus classicus of Bach's plan? What if 15% of your paycheck just doesn't add up to enough accrual? That's not to mention that Bach's instruction to invest at a 10% return, which is not an easy score to achieve these days. Do your own math. Despite his occasionally utopian tone, Bach does provide solid information on how to build wealth. You can only benefit from his concrete, logical suggestions on how to get rich, slowly.
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Simple as it gets for financial/spiritual freedom.
Rating (5)
Date: 2008-07-21
This is all about automating your way to financial freedom guys. If you are looking where to start and not overwhelm yourself, this is the book for you! Wonderful read! If you're married definitely get the "Smart Couples Finish Rich". Best book for married couples that want control over their finances ever. These books are about real life and not some "guru" shoving mostly useless junk down your throat. Enjoy!
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by Anne Stockwell
Product Group: Book
Publisher: Collins Living (1997-08-05)
ISBN: 0062734350
EAN: 9780062734358
Dewy Decimal #: 378.362
Hardcover: 352 pages
Edition: 1st
Release Date: 1997-07-18
SKU: 052108037
Condition: Used: Good
Comments: ...No Underlining or Highlighting...
More Product Infomation
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Editorial Reviews
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Product Description
Skyrocketing tuitions have become a national concern. The average four-year college degree now costs more than $35,000, and that sum is growing at a phenomenal rate, forcing unprecedented numbers of college students into student-loan debt. In 1995, the Educational Resource Institute issued a report warning that borrowing has exploded to record levels and is expected to double in five years. Whether they're just beginning to think about paying for college, are currently in school, starting repayment or already overwhelmed with debt, students, as well as recent graduates and parents, find The Guerrilla Guide to Mastering Student Loan Debt an indispensable guide to navigating the student loan maze. In clear, lively and reassuring chapters, it answers such time and money-saving questions as: What types of loans are available, and how are they different? How can I get the best possible deal? What are my options for repaying my loan and can I postpone repayment? How can I get a forbearance or a deferment? How can I repair my credit rating?
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Customer Reviews
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Know Your Options, and Know Your Rights
Rating (5)
Date: 2004-10-29
5 out of 12 customers found this reveiw helpful
There is a common theme among college students these days, and those who have attended and quit as well as those (un)lucky multitudes who have graduated. Sometime during the senior year of high school, application forms to colleges are sent in, and admissions and rejection notices are sent a few months later. Along with the admissions forms comes another little form detailing the amount of aid that is extended by the college to the prospective freshperson. This is where all the fun begins, and it quickly snowballs into a pernicious form of indentured servitude.
Ms. Stockwell's book details in painful precision just what happens when a pimply-faced kid signs on the dotted line. First she begins by relating her own experience, and then she delves into the experiences of others. Along the way, she shows how many of us got into the student loan mess, how the financial aid system has evolved (or is it mutated?!) into the monstrous behemoth that it is today (actually at the time she wrote the book), some coping strategies (for it really can't be called anything else) for the inevitable missed payments and default, and finally some suggestions on how the system can(but will not ever) be fixed.
We live in an age of educational opportunity. Anyone with some combination of motivation and money can attend college. Indeed, attendance at college has become necessary in some professions just to keep pace. At any rate, it is a tremendous achievement that folks from just about all walks of life now have the chance to attend college.
However, this does not mean that the powers-that-be have made attendance easy or even free. There is a rather sinister catch attached to the proposition, and it always requires people of limited means to devote years of their lives and of their professional livelihood to servicing some form of debt burden. I have to agree with the author, who said that the best thing to do is to say NO! to all forms of debt- from student loans to credit cards to auto loans, as they all tend to lock you into cycles from which frankly there may be no escape.
This leads into another part of this sinister situation of Faustian proportions. Not long after the freshperson has signed on the dotted line, and just a few short weeks after parking his or her carcass in a smelly, roach-infested dorm room, the credit card people come calling. There literally seems to be a deluge of credit card applications arriving one after another in the mailbox. (However, these days, I have been told by more than a few distressed parents that the card companies don't even wait till the brats have donned their caps and gowns for high school graduation.)
Finally, sometime before college graduation, typically during the beginning of your senior year, some auto company like General Motors comes around and offers to 'help out' the soon-to-be graduated. It seems that they know you are looking for a job, and wouldn't it make a good impression on prospective employers if you rolled in a nice, shiny new car that shows that you are a professional and that you mean business? Fixing you up would be no problem at all- just sign here on the dotted line, and you'd better hurry, as there are only a limited number of this year's model left. Oh and uh, did I forget to mention that there's a really low 2.9% APR and uh, no payments for the first year?
In my mind, there is absolutely no doubt that there is a great deal of collusion between universities, credit card and auto companies in the ongoing mess of indebtedness seen among recent grads and post-grads. Here's a friendly tip: most aid packages have some combination of grants, work study and loans. You can negotiate the combination of the aid you receive. I strongly suggest that you negotiate to get as much work study as possible, and leave the loans, especially the Stafford Loans, as an option. It's what I did, and it meant the difference between finishing with a lot of debt (or not finishing and with a lot of debt as has happened to many acquaintances) and finishing with little or no debt. Too many friends of mine are broke, out of work, living in their parents' basement and have turned dodging dunning notices from student loan companies and collection agencies into a practiced science.
Anyone that is contemplating going to college should read this book. Although I must concede that the book is a a little dated, as there have been some significant changes in the student loan picture in the last six or seven years or so, it does precisely show the progression of events that do occur when one gets overwhelmed with student loans.
Yet, much of the debt mess we see among many students is indeed voluntary. No one is forcing kids to max out credit cards and purchase one (or more) cars before they graduate, but then no one is championing the cause of caution either with any form of credit. Many kids are not simply graduating in debt, they are now matriculating into debt in droves. Please note that all of this comes before contemplating the thorny proposition of a home mortgage!
In sum, in this age of job insecurity and galloping price increases, people need to know the risks when fooling around with any form of credit. I take my hat off to Ms. Stockwell, who had the courage to call attention to this clever ploy to re-institute feudalism among the masses.
All hail King George!
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Read this book BEFORE you take out student loans
Rating (3)
Date: 2002-05-28
14 out of 15 customers found this reveiw helpful
This book really will not help you if you already have student loan debt. If you do, the advice is simple - hunker down and pay it off. If you have no student loan debt, read this book and reconsider your desire to go into debt for your education. You can get a good education on the "pay as you go" method if you do it right. Take it from someone who made all the wrong choices - don't go into debt for your education!! I don't recommend this book if you already have sutdent loan debt - focus on paying it off. Save the money you'd spend on this book and put it toward your loan payoff.
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Student Loan Warning
Rating (4)
Date: 2002-02-15
26 out of 29 customers found this reveiw helpful
I have found myself graduated and placed in a law career that I never wanted, thanks to my family's pushing a smart but "too nice" young man into a potentially "lucrative" but intensely stressful and blood-spilling career as a lawyer. Of course the family never paid anything because they are simple lower middle class people who had a dream that their bright young son would become a smashing success. So now I have a $100,000 debt and stuck in a career that I dread (I wanted to be a damn scientist, not a LAWYER). This book is pretty good on telling you exactly how the government can wreck your life with its easy to get student loans, but it doesn't have any hands down cure. It is dated already in that a year after it was published congress took away the 7 year waiting period for a bankruptcy discharge. Now you may NEVER have your educational loans discharged, so they will chase you and harass you and try to reposess your things even when you are old and grey, all for your mistaken career choices made as a youth. For those who are sucked into the student loan system without rich parents to bail them out or pay the bills, there is not much anybody can do for you. This book SHOULD BE READ BY ANYONE WHO DOES NOT HAVE ASSETS and is thinking about taking loans to go to school. READ IT because nobody else is gonna tell you how absolutely crushing this educational debt can be to your dreams. Then you will see that NOBODY in their right mind should get into serious nondischargeable debt for what is at best an uncertain hope that you will maybe be able to get a job and pay it back through continuous work through what should be the prime years of your life. READ THIS BOOK BEFORE YOU SIGN THE PROMISSORY NOTE!!!!!!!!!!!
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About as Good as a Student Loan Book Could Get
Rating (4)
Date: 2001-06-28
1 out of 1 customers found this reveiw helpful
This book is just fine. I guess the bottom line is you need to make the money to pay the damn things off however. I'd like to see something in a more loompanics sort vein.
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This book saved my life!
Rating (5)
Date: 2000-08-25
9 out of 9 customers found this reveiw helpful
In a panic when facing consolidation of over $100,000 in student loans, I stumbled upon this great book. I then postponed reading it, fearing what I would learn. But, I did read it, and discovered I couldn't put it down. This book makes sense of the history of student loans and how to understand and get through the loan process. There is a wealth of resources, suggestions and information about how to live with student loans and NOT lose your sanity. Schools do NOT adequately prepare students to understand what they are getting into, much less how to manage loan repayment. I only wish I the book had been written before I started my graduate program. It is especially helpful to have this information BEFORE you sign for any student loan.
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by Anne Stockwell
Product Group: Book
Publisher: Collins Living (1997-08-05)
ISBN: 0062734350
EAN: 9780062734358
Dewy Decimal #: 378.362
Hardcover: 352 pages
Edition: 1st
Release Date: 1997-07-18
SKU: 052108037
Condition: Used: Good
Comments: ...No Underlining or Highlighting...
More Product Infomation
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Editorial Reviews
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Product Description
Skyrocketing tuitions have become a national concern. The average four-year college degree now costs more than $35,000, and that sum is growing at a phenomenal rate, forcing unprecedented numbers of college students into student-loan debt. In 1995, the Educational Resource Institute issued a report warning that borrowing has exploded to record levels and is expected to double in five years. Whether they're just beginning to think about paying for college, are currently in school, starting repayment or already overwhelmed with debt, students, as well as recent graduates and parents, find The Guerrilla Guide to Mastering Student Loan Debt an indispensable guide to navigating the student loan maze. In clear, lively and reassuring chapters, it answers such time and money-saving questions as: What types of loans are available, and how are they different? How can I get the best possible deal? What are my options for repaying my loan and can I postpone repayment? How can I get a forbearance or a deferment? How can I repair my credit rating?
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Customer Reviews
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Know Your Options, and Know Your Rights
Rating (5)
Date: 2004-10-29
5 out of 12 customers found this reveiw helpful
There is a common theme among college students these days, and those who have attended and quit as well as those (un)lucky multitudes who have graduated. Sometime during the senior year of high school, application forms to colleges are sent in, and admissions and rejection notices are sent a few months later. Along with the admissions forms comes another little form detailing the amount of aid that is extended by the college to the prospective freshperson. This is where all the fun begins, and it quickly snowballs into a pernicious form of indentured servitude.
Ms. Stockwell's book details in painful precision just what happens when a pimply-faced kid signs on the dotted line. First she begins by relating her own experience, and then she delves into the experiences of others. Along the way, she shows how many of us got into the student loan mess, how the financial aid system has evolved (or is it mutated?!) into the monstrous behemoth that it is today (actually at the time she wrote the book), some coping strategies (for it really can't be called anything else) for the inevitable missed payments and default, and finally some suggestions on how the system can(but will not ever) be fixed.
We live in an age of educational opportunity. Anyone with some combination of motivation and money can attend college. Indeed, attendance at college has become necessary in some professions just to keep pace. At any rate, it is a tremendous achievement that folks from just about all walks of life now have the chance to attend college.
However, this does not mean that the powers-that-be have made attendance easy or even free. There is a rather sinister catch attached to the proposition, and it always requires people of limited means to devote years of their lives and of their professional livelihood to servicing some form of debt burden. I have to agree with the author, who said that the best thing to do is to say NO! to all forms of debt- from student loans to credit cards to auto loans, as they all tend to lock you into cycles from which frankly there may be no escape.
This leads into another part of this sinister situation of Faustian proportions. Not long after the freshperson has signed on the dotted line, and just a few short weeks after parking his or her carcass in a smelly, roach-infested dorm room, the credit card people come calling. There literally seems to be a deluge of credit card applications arriving one after another in the mailbox. (However, these days, I have been told by more than a few distressed parents that the card companies don't even wait till the brats have donned their caps and gowns for high school graduation.)
Finally, sometime before college graduation, typically during the beginning of your senior year, some auto company like General Motors comes around and offers to 'help out' the soon-to-be graduated. It seems that they know you are looking for a job, and wouldn't it make a good impression on prospective employers if you rolled in a nice, shiny new car that shows that you are a professional and that you mean business? Fixing you up would be no problem at all- just sign here on the dotted line, and you'd better hurry, as there are only a limited number of this year's model left. Oh and uh, did I forget to mention that there's a really low 2.9% APR and uh, no payments for the first year?
In my mind, there is absolutely no doubt that there is a great deal of collusion between universities, credit card and auto companies in the ongoing mess of indebtedness seen among recent grads and post-grads. Here's a friendly tip: most aid packages have some combination of grants, work study and loans. You can negotiate the combination of the aid you receive. I strongly suggest that you negotiate to get as much work study as possible, and leave the loans, especially the Stafford Loans, as an option. It's what I did, and it meant the difference between finishing with a lot of debt (or not finishing and with a lot of debt as has happened to many acquaintances) and finishing with little or no debt. Too many friends of mine are broke, out of work, living in their parents' basement and have turned dodging dunning notices from student loan companies and collection agencies into a practiced science.
Anyone that is contemplating going to college should read this book. Although I must concede that the book is a a little dated, as there have been some significant changes in the student loan picture in the last six or seven years or so, it does precisely show the progression of events that do occur when one gets overwhelmed with student loans.
Yet, much of the debt mess we see among many students is indeed voluntary. No one is forcing kids to max out credit cards and purchase one (or more) cars before they graduate, but then no one is championing the cause of caution either with any form of credit. Many kids are not simply graduating in debt, they are now matriculating into debt in droves. Please note that all of this comes before contemplating the thorny proposition of a home mortgage!
In sum, in this age of job insecurity and galloping price increases, people need to know the risks when fooling around with any form of credit. I take my hat off to Ms. Stockwell, who had the courage to call attention to this clever ploy to re-institute feudalism among the masses.
All hail King George!
|
|
Read this book BEFORE you take out student loans
Rating (3)
Date: 2002-05-28
14 out of 15 customers found this reveiw helpful
This book really will not help you if you already have student loan debt. If you do, the advice is simple - hunker down and pay it off. If you have no student loan debt, read this book and reconsider your desire to go into debt for your education. You can get a good education on the "pay as you go" method if you do it right. Take it from someone who made all the wrong choices - don't go into debt for your education!! I don't recommend this book if you already have sutdent loan debt - focus on paying it off. Save the money you'd spend on this book and put it toward your loan payoff.
|
|
Student Loan Warning
Rating (4)
Date: 2002-02-15
26 out of 29 customers found this reveiw helpful
I have found myself graduated and placed in a law career that I never wanted, thanks to my family's pushing a smart but "too nice" young man into a potentially "lucrative" but intensely stressful and blood-spilling career as a lawyer. Of course the family never paid anything because they are simple lower middle class people who had a dream that their bright young son would become a smashing success. So now I have a $100,000 debt and stuck in a career that I dread (I wanted to be a damn scientist, not a LAWYER). This book is pretty good on telling you exactly how the government can wreck your life with its easy to get student loans, but it doesn't have any hands down cure. It is dated already in that a year after it was published congress took away the 7 year waiting period for a bankruptcy discharge. Now you may NEVER have your educational loans discharged, so they will chase you and harass you and try to reposess your things even when you are old and grey, all for your mistaken career choices made as a youth. For those who are sucked into the student loan system without rich parents to bail them out or pay the bills, there is not much anybody can do for you. This book SHOULD BE READ BY ANYONE WHO DOES NOT HAVE ASSETS and is thinking about taking loans to go to school. READ IT because nobody else is gonna tell you how absolutely crushing this educational debt can be to your dreams. Then you will see that NOBODY in their right mind should get into serious nondischargeable debt for what is at best an uncertain hope that you will maybe be able to get a job and pay it back through continuous work through what should be the prime years of your life. READ THIS BOOK BEFORE YOU SIGN THE PROMISSORY NOTE!!!!!!!!!!!
|
|
About as Good as a Student Loan Book Could Get
Rating (4)
Date: 2001-06-28
1 out of 1 customers found this reveiw helpful
This book is just fine. I guess the bottom line is you need to make the money to pay the damn things off however. I'd like to see something in a more loompanics sort vein.
|
|
This book saved my life!
Rating (5)
Date: 2000-08-25
9 out of 9 customers found this reveiw helpful
In a panic when facing consolidation of over $100,000 in student loans, I stumbled upon this great book. I then postponed reading it, fearing what I would learn. But, I did read it, and discovered I couldn't put it down. This book makes sense of the history of student loans and how to understand and get through the loan process. There is a wealth of resources, suggestions and information about how to live with student loans and NOT lose your sanity. Schools do NOT adequately prepare students to understand what they are getting into, much less how to manage loan repayment. I only wish I the book had been written before I started my graduate program. It is especially helpful to have this information BEFORE you sign for any student loan.
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(Larger Image)
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by Anne Stockwell
Product Group: Book
Publisher: Collins Living (1997-08-05)
ISBN: 0062734350
EAN: 9780062734358
Dewy Decimal #: 378.362
Hardcover: 352 pages
Edition: 1st
Release Date: 1997-07-18
SKU: 052108037
Condition: Used: Good
Comments: ...No Underlining or Highlighting...
More Product Infomation
|
Editorial Reviews
|
Product Description
Skyrocketing tuitions have become a national concern. The average four-year college degree now costs more than $35,000, and that sum is growing at a phenomenal rate, forcing unprecedented numbers of college students into student-loan debt. In 1995, the Educational Resource Institute issued a report warning that borrowing has exploded to record levels and is expected to double in five years. Whether they're just beginning to think about paying for college, are currently in school, starting repayment or already overwhelmed with debt, students, as well as recent graduates and parents, find The Guerrilla Guide to Mastering Student Loan Debt an indispensable guide to navigating the student loan maze. In clear, lively and reassuring chapters, it answers such time and money-saving questions as: What types of loans are available, and how are they different? How can I get the best possible deal? What are my options for repaying my loan and can I postpone repayment? How can I get a forbearance or a deferment? How can I repair my credit rating?
|
Customer Reviews
|
Know Your Options, and Know Your Rights
Rating (5)
Date: 2004-10-29
5 out of 12 customers found this reveiw helpful
There is a common theme among college students these days, and those who have attended and quit as well as those (un)lucky multitudes who have graduated. Sometime during the senior year of high school, application forms to colleges are sent in, and admissions and rejection notices are sent a few months later. Along with the admissions forms comes another little form detailing the amount of aid that is extended by the college to the prospective freshperson. This is where all the fun begins, and it quickly snowballs into a pernicious form of indentured servitude.
Ms. Stockwell's book details in painful precision just what happens when a pimply-faced kid signs on the dotted line. First she begins by relating her own experience, and then she delves into the experiences of others. Along the way, she shows how many of us got into the student loan mess, how the financial aid system has evolved (or is it mutated?!) into the monstrous behemoth that it is today (actually at the time she wrote the book), some coping strategies (for it really can't be called anything else) for the inevitable missed payments and default, and finally some suggestions on how the system can(but will not ever) be fixed.
We live in an age of educational opportunity. Anyone with some combination of motivation and money can attend college. Indeed, attendance at college has become necessary in some professions just to keep pace. At any rate, it is a tremendous achievement that folks from just about all walks of life now have the chance to attend college.
However, this does not mean that the powers-that-be have made attendance easy or even free. There is a rather sinister catch attached to the proposition, and it always requires people of limited means to devote years of their lives and of their professional livelihood to servicing some form of debt burden. I have to agree with the author, who said that the best thing to do is to say NO! to all forms of debt- from student loans to credit cards to auto loans, as they all tend to lock you into cycles from which frankly there may be no escape.
This leads into another part of this sinister situation of Faustian proportions. Not long after the freshperson has signed on the dotted line, and just a few short weeks after parking his or her carcass in a smelly, roach-infested dorm room, the credit card people come calling. There literally seems to be a deluge of credit card applications arriving one after another in the mailbox. (However, these days, I have been told by more than a few distressed parents that the card companies don't even wait till the brats have donned their caps and gowns for high school graduation.)
Finally, sometime before college graduation, typically during the beginning of your senior year, some auto company like General Motors comes around and offers to 'help out' the soon-to-be graduated. It seems that they know you are looking for a job, and wouldn't it make a good impression on prospective employers if you rolled in a nice, shiny new car that shows that you are a professional and that you mean business? Fixing you up would be no problem at all- just sign here on the dotted line, and you'd better hurry, as there are only a limited number of this year's model left. Oh and uh, did I forget to mention that there's a really low 2.9% APR and uh, no payments for the first year?
In my mind, there is absolutely no doubt that there is a great deal of collusion between universities, credit card and auto companies in the ongoing mess of indebtedness seen among recent grads and post-grads. Here's a friendly tip: most aid packages have some combination of grants, work study and loans. You can negotiate the combination of the aid you receive. I strongly suggest that you negotiate to get as much work study as possible, and leave the loans, especially the Stafford Loans, as an option. It's what I did, and it meant the difference between finishing with a lot of debt (or not finishing and with a lot of debt as has happened to many acquaintances) and finishing with little or no debt. Too many friends of mine are broke, out of work, living in their parents' basement and have turned dodging dunning notices from student loan companies and collection agencies into a practiced science.
Anyone that is contemplating going to college should read this book. Although I must concede that the book is a a little dated, as there have been some significant changes in the student loan picture in the last six or seven years or so, it does precisely show the progression of events that do occur when one gets overwhelmed with student loans.
Yet, much of the debt mess we see among many students is indeed voluntary. No one is forcing kids to max out credit cards and purchase one (or more) cars before they graduate, but then no one is championing the cause of caution either with any form of credit. Many kids are not simply graduating in debt, they are now matriculating into debt in droves. Please note that all of this comes before contemplating the thorny proposition of a home mortgage!
In sum, in this age of job insecurity and galloping price increases, people need to know the risks when fooling around with any form of credit. I take my hat off to Ms. Stockwell, who had the courage to call attention to this clever ploy to re-institute feudalism among the masses.
All hail King George!
|
|
Read this book BEFORE you take out student loans
Rating (3)
Date: 2002-05-28
14 out of 15 customers found this reveiw helpful
This book really will not help you if you already have student loan debt. If you do, the advice is simple - hunker down and pay it off. If you have no student loan debt, read this book and reconsider your desire to go into debt for your education. You can get a good education on the "pay as you go" method if you do it right. Take it from someone who made all the wrong choices - don't go into debt for your education!! I don't recommend this book if you already have sutdent loan debt - focus on paying it off. Save the money you'd spend on this book and put it toward your loan payoff.
|
|
Student Loan Warning
Rating (4)
Date: 2002-02-15
26 out of 29 customers found this reveiw helpful
I have found myself graduated and placed in a law career that I never wanted, thanks to my family's pushing a smart but "too nice" young man into a potentially "lucrative" but intensely stressful and blood-spilling career as a lawyer. Of course the family never paid anything because they are simple lower middle class people who had a dream that their bright young son would become a smashing success. So now I have a $100,000 debt and stuck in a career that I dread (I wanted to be a damn scientist, not a LAWYER). This book is pretty good on telling you exactly how the government can wreck your life with its easy to get student loans, but it doesn't have any hands down cure. It is dated already in that a year after it was published congress took away the 7 year waiting period for a bankruptcy discharge. Now you may NEVER have your educational loans discharged, so they will chase you and harass you and try to reposess your things even when you are old and grey, all for your mistaken career choices made as a youth. For those who are sucked into the student loan system without rich parents to bail them out or pay the bills, there is not much anybody can do for you. This book SHOULD BE READ BY ANYONE WHO DOES NOT HAVE ASSETS and is thinking about taking loans to go to school. READ IT because nobody else is gonna tell you how absolutely crushing this educational debt can be to your dreams. Then you will see that NOBODY in their right mind should get into serious nondischargeable debt for what is at best an uncertain hope that you will maybe be able to get a job and pay it back through continuous work through what should be the prime years of your life. READ THIS BOOK BEFORE YOU SIGN THE PROMISSORY NOTE!!!!!!!!!!!
|
|
About as Good as a Student Loan Book Could Get
Rating (4)
Date: 2001-06-28
1 out of 1 customers found this reveiw helpful
This book is just fine. I guess the bottom line is you need to make the money to pay the damn things off however. I'd like to see something in a more loompanics sort vein.
|
|
This book saved my life!
Rating (5)
Date: 2000-08-25
9 out of 9 customers found this reveiw helpful
In a panic when facing consolidation of over $100,000 in student loans, I stumbled upon this great book. I then postponed reading it, fearing what I would learn. But, I did read it, and discovered I couldn't put it down. This book makes sense of the history of student loans and how to understand and get through the loan process. There is a wealth of resources, suggestions and information about how to live with student loans and NOT lose your sanity. Schools do NOT adequately prepare students to understand what they are getting into, much less how to manage loan repayment. I only wish I the book had been written before I started my graduate program. It is especially helpful to have this information BEFORE you sign for any student loan.
|
(Larger Image)
|
by Anne Stockwell
Product Group: Book
Publisher: Collins Living (1997-08-05)
ISBN: 0062734350
EAN: 9780062734358
Dewy Decimal #: 378.362
Hardcover: 352 pages
Edition: 1st
Release Date: 1997-07-18
SKU: 052108037
Condition: Used: Good
Comments: ...No Underlining or Highlighting...
More Product Infomation
|
Editorial Reviews
|
Product Description
Skyrocketing tuitions have become a national concern. The average four-year college degree now costs more than $35,000, and that sum is growing at a phenomenal rate, forcing unprecedented numbers of college students into student-loan debt. In 1995, the Educational Resource Institute issued a report warning that borrowing has exploded to record levels and is expected to double in five years. Whether they're just beginning to think about paying for college, are currently in school, starting repayment or already overwhelmed with debt, students, as well as recent graduates and parents, find The Guerrilla Guide to Mastering Student Loan Debt an indispensable guide to navigating the student loan maze. In clear, lively and reassuring chapters, it answers such time and money-saving questions as: What types of loans are available, and how are they different? How can I get the best possible deal? What are my options for repaying my loan and can I postpone repayment? How can I get a forbearance or a deferment? How can I repair my credit rating?
|
Customer Reviews
|
Know Your Options, and Know Your Rights
Rating (5)
Date: 2004-10-29
5 out of 12 customers found this reveiw helpful
There is a common theme among college students these days, and those who have attended and quit as well as those (un)lucky multitudes who have graduated. Sometime during the senior year of high school, application forms to colleges are sent in, and admissions and rejection notices are sent a few months later. Along with the admissions forms comes another little form detailing the amount of aid that is extended by the college to the prospective freshperson. This is where all the fun begins, and it quickly snowballs into a pernicious form of indentured servitude.
Ms. Stockwell's book details in painful precision just what happens when a pimply-faced kid signs on the dotted line. First she begins by relating her own experience, and then she delves into the experiences of others. Along the way, she shows how many of us got into the student loan mess, how the financial aid system has evolved (or is it mutated?!) into the monstrous behemoth that it is today (actually at the time she wrote the book), some coping strategies (for it really can't be called anything else) for the inevitable missed payments and default, and finally some suggestions on how the system can(but will not ever) be fixed.
We live in an age of educational opportunity. Anyone with some combination of motivation and money can attend college. Indeed, attendance at college has become necessary in some professions just to keep pace. At any rate, it is a tremendous achievement that folks from just about all walks of life now have the chance to attend college.
However, this does not mean that the powers-that-be have made attendance easy or even free. There is a rather sinister catch attached to the proposition, and it always requires people of limited means to devote years of their lives and of their professional livelihood to servicing some form of debt burden. I have to agree with the author, who said that the best thing to do is to say NO! to all forms of debt- from student loans to credit cards to auto loans, as they all tend to lock you into cycles from which frankly there may be no escape.
This leads into another part of this sinister situation of Faustian proportions. Not long after the freshperson has signed on the dotted line, and just a few short weeks after parking his or her carcass in a smelly, roach-infested dorm room, the credit card people come calling. There literally seems to be a deluge of credit card applications arriving one after another in the mailbox. (However, these days, I have been told by more than a few distressed parents that the card companies don't even wait till the brats have donned their caps and gowns for high school graduation.)
Finally, sometime before college graduation, typically during the beginning of your senior year, some auto company like General Motors comes around and offers to 'help out' the soon-to-be graduated. It seems that they know you are looking for a job, and wouldn't it make a good impression on prospective employers if you rolled in a nice, shiny new car that shows that you are a professional and that you mean business? Fixing you up would be no problem at all- just sign here on the dotted line, and you'd better hurry, as there are only a limited number of this year's model left. Oh and uh, did I forget to mention that there's a really low 2.9% APR and uh, no payments for the first year?
In my mind, there is absolutely no doubt that there is a great deal of collusion between universities, credit card and auto companies in the ongoing mess of indebtedness seen among recent grads and post-grads. Here's a friendly tip: most aid packages have some combination of grants, work study and loans. You can negotiate the combination of the aid you receive. I strongly suggest that you negotiate to get as much work study as possible, and leave the loans, especially the Stafford Loans, as an option. It's what I did, and it meant the difference between finishing with a lot of debt (or not finishing and with a lot of debt as has happened to many acquaintances) and finishing with little or no debt. Too many friends of mine are broke, out of work, living in their parents' basement and have turned dodging dunning notices from student loan companies and collection agencies into a practiced science.
Anyone that is contemplating going to college should read this book. Although I must concede that the book is a a little dated, as there have been some significant changes in the student loan picture in the last six or seven years or so, it does precisely show the progression of events that do occur when one gets overwhelmed with student loans.
Yet, much of the debt mess we see among many students is indeed voluntary. No one is forcing kids to max out credit cards and purchase one (or more) cars before they graduate, but then no one is championing the cause of caution either with any form of credit. Many kids are not simply graduating in debt, they are now matriculating into debt in droves. Please note that all of this comes before contemplating the thorny proposition of a home mortgage!
In sum, in this age of job insecurity and galloping price increases, people need to know the risks when fooling around with any form of credit. I take my hat off to Ms. Stockwell, who had the courage to call attention to this clever ploy to re-institute feudalism among the masses.
All hail King George!
|
|
Read this book BEFORE you take out student loans
Rating (3)
Date: 2002-05-28
14 out of 15 customers found this reveiw helpful
This book really will not help you if you already have student loan debt. If you do, the advice is simple - hunker down and pay it off. If you have no student loan debt, read this book and reconsider your desire to go into debt for your education. You can get a good education on the "pay as you go" method if you do it right. Take it from someone who made all the wrong choices - don't go into debt for your education!! I don't recommend this book if you already have sutdent loan debt - focus on paying it off. Save the money you'd spend on this book and put it toward your loan payoff.
|
|
Student Loan Warning
Rating (4)
Date: 2002-02-15
26 out of 29 customers found this reveiw helpful
I have found myself graduated and placed in a law career that I never wanted, thanks to my family's pushing a smart but "too nice" young man into a potentially "lucrative" but intensely stressful and blood-spilling career as a lawyer. Of course the family never paid anything because they are simple lower middle class people who had a dream that their bright young son would become a smashing success. So now I have a $100,000 debt and stuck in a career that I dread (I wanted to be a damn scientist, not a LAWYER). This book is pretty good on telling you exactly how the government can wreck your life with its easy to get student loans, but it doesn't have any hands down cure. It is dated already in that a year after it was published congress took away the 7 year waiting period for a bankruptcy discharge. Now you may NEVER have your educational loans discharged, so they will chase you and harass you and try to reposess your things even when you are old and grey, all for your mistaken career choices made as a youth. For those who are sucked into the student loan system without rich parents to bail them out or pay the bills, there is not much anybody can do for you. This book SHOULD BE READ BY ANYONE WHO DOES NOT HAVE ASSETS and is thinking about taking loans to go to school. READ IT because nobody else is gonna tell you how absolutely crushing this educational debt can be to your dreams. Then you will see that NOBODY in their right mind should get into serious nondischargeable debt for what is at best an uncertain hope that you will maybe be able to get a job and pay it back through continuous work through what should be the prime years of your life. READ THIS BOOK BEFORE YOU SIGN THE PROMISSORY NOTE!!!!!!!!!!!
|
|
About as Good as a Student Loan Book Could Get
Rating (4)
Date: 2001-06-28
1 out of 1 customers found this reveiw helpful
This book is just fine. I guess the bottom line is you need to make the money to pay the damn things off however. I'd like to see something in a more loompanics sort vein.
|
|
This book saved my life!
Rating (5)
Date: 2000-08-25
9 out of 9 customers found this reveiw helpful
In a panic when facing consolidation of over $100,000 in student loans, I stumbled upon this great book. I then postponed reading it, fearing what I would learn. But, I did read it, and discovered I couldn't put it down. This book makes sense of the history of student loans and how to understand and get through the loan process. There is a wealth of resources, suggestions and information about how to live with student loans and NOT lose your sanity. Schools do NOT adequately prepare students to understand what they are getting into, much less how to manage loan repayment. I only wish I the book had been written before I started my graduate program. It is especially helpful to have this information BEFORE you sign for any student loan.
|
(Larger Image)
|
by Nihara Choudhri
Product Group: Book
Publisher: Sphinx Publishing (2004-11-01)
ISBN: 1572484519
EAN: 9781572484511
Dewy Decimal #: 346.7301664
Paperback: 226 pages
SKU: 092208007
Condition: Used: Good
Comments: ...no markings or highlighting...edge wear on cover
More Product Infomation
|
Editorial Reviews
|
Product Description
The cake has been chosen, the reception hall reserved, and all the attire ordered. Creating a marriage contract is probably the last thing on your mind. However, by working with your spouse-to-be to design your particular marriage contract, you control the relationship and direct your future.
What to Do Before “I Do” takes the potentially unromantic idea of a prenuptial agreement and makes you see its importance to your relationship. Proper planning will answer questions such as-
Will your child continue to be cared for in the manner you wish if you pass away?
Is your fiancé’s debt your responsibility?
Can your wife claim your premarital property in a divorce?
People often enter marriage with only a vague understanding of their partner’s financial status. Even if you decide against a prenuptial agreement, after reading this book, you will realize how important it is to go into a marriage with your eyes wide open.
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Customer Reviews
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Good resource
Rating (4)
Date: 2007-09-12
3 out of 3 customers found this reveiw helpful
I am a law student and have already taken a Family law class, but I learned things from this book that I hadn't learned in class (because frankly, I don't think my professor knew about them). The book doesn't teach you how to write your own prenup without an attorney, but it can help you make a list of the issues you need to discuss with an attorney, or better yet, reach a basic agreement with your fiancee before you see an attorney to draft the actual document. I disagree with the review below that says this is an uncompassionate book filled with horror stories. It's true that the book uses stories, but it uses them in context and tries to convince you that having a prenup doesn't mean that you don't love the other person. I gave the book only 4 stars because I think the sample prenup in the back of the book leaves some important issues unaddressed.
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Just Look Online
Rating  (2)
Date: 2007-08-27
0 out of 2 customers found this reveiw helpful
Filled with horror stories. If you know these issues might be important, you know why and don't need cautionary tales. I wanted advice not "scared straight." Just look online for articles about finances and marriage--you'll get the same advice for free and without the caustic view of relationships and matrimony.
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