Is It Time To Refinance Your Auto Loan ?

Author by : James M. Dahle
Languange Used : en
Release Date : 2014-01
Publisher by : White Coat Investor LLC the

ISBN :

Description : 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!...

Author by : Danny Singh
Languange Used : en
Release Date : 2012-11
Publisher by : AuthorHouse

ISBN :

Description : No Credit Bad Credit Average Credit Just Want To Learn About Finance Well, congratulations because you have found the right book. Not even the table of contents can show all the lessons contained within this book meant to help consumers fight all types of financial problems just as Danny Singh fights for his mother including avoiding a foreclosure, reclaiming a repossessed car, fixing credit, avoiding deceptive loans as well as checking accounts filled with fees, and getting denied credit applications approved. In response to the student loans crisis looming in America and as a community college student himself, Danny advocates going to a community or state college and doing the maximum number of classes is the best financial decision that can be made versus getting into $100,000 of debt. Without needing bogus and expensive credit repair agencies, Danny will emphasize the most effective debt repayment plans and methods to save money on everyday purchases allowing for consumers to be debt free in months instead of years. Besides student loan debt, Danny expresses credit unions are the solution for consumers to effectively pay off any type of debt such as credit cards, auto loans, and mortgages. Being free of debt will cause their insurance premiums to decrease and increase their chances of better employment. In addition, consumers will be able to enjoy lives free of bankruptcy. Saving for retirement and other financial goals will be a breeze. Despite the financial conditions of a consumer or the economy, perfect credit is never impossible and Danny proves this in Finance 101: The Whiz Kid' Perfect Credit Guide! If the knowledge in this book does not boost your credit scores and bank account balances then feel free to return or sell it. The purchase of this book is the only investment that is risk free but makes the most earnings....

Author by : John Callahan
Languange Used : en
Release Date : 2007
Publisher by : EC360

ISBN :

Description : Insider secrets revealed about the sales process, and specific tutorials on how to save money. Delivering brutal honesty, this important Handbook will shock you with the truth about how much money consumers lose each year going through the current Auto, Mortgage, and Real Estate processes. The numbers are staggering, as unsuspecting consumers are overcharged more than $2.9 billion in excessive fees and inflated mortgage commissions. Add to that over a billion from inflated real estate fees and hundreds of millions in excessive auto purchase commissions. All totaled, more than $24 billion annually is pulled from consumers' pockets due to predatory mortgages, auto loans, payday loans, overdraft loans, excessive credit card debt, and tax refund loans. See exactly how these companies are stealing your money, and learn easy to follow, How-To-Torials, for big savings! At the time this book first hit press, Americans had amassed $9 trillion in mortgage debt with 33% of that being in Adjustable Rate Mortgages. Foreclosures, and bankruptcies were rising at historic rates, and consumers were being forced into credit counseling. With an expected 43% of ARM loans resetting between 2006 and 2008...this book is right on time! Millions of Americans need to know "how to" protect themselves from high fees and commissions, and it's all inside this book. Consumers now have valuable advice to use when buying a new automobile, buying or selling a home, or finding a loan. Take back control and be more engaged in your auto, mortgage, or real estate transaction. By understanding the process, you can have more control. With control, you will save money! The charts, graphs, and scripts provide a down-to-earth example of what used to be a very complex process that few understood. Now, everyone can learn the ins and outs of the three massive industries that, before John Callahan's illuminating book, had an unfair advantage over consumers....

Author by : Katrina Avila Munichiello
Languange Used : en
Release Date : 2017-03-21
Publisher by : Tuttle Publishing

ISBN :

Description : A Tea Reader contains a selection of stories that cover the spectrum of life. This anthology shares the ways that tea has changed lives through personal, intimate stories. Read of deep family moments, conquered heartbreak, and peace found in the face of loss. A Tea Reader includes stories from all types of tea people: people brought up in the tea tradition, those newly discovering it, classic writings from long-ago tea lovers and those making tea a career. Together these tales create a new image of a tea drinker. They show that tea is not simply something you drink, but it also provides quiet moments for making important decisions, a catalyst for conversation, and the energy we sometimes need to operate in our lives. The stories found in A Tea Reader cover the spectrum of life, such as the development of new friendships, beginning new careers, taking dream journeys, and essentially sharing the deep moments of life with friends and families. Whether you are a tea lover or not, here you will discover stories that speak to you and inspire you. Sit down, grab a cup, and read on....

Author by : Darryl Johnson
Languange Used : en
Release Date : 2013-10-22
Publisher by : CreateSpace

ISBN :

Description : Financial lending is what makes the world go 'round. We rely on loan providers to extend us lines of credit for a variety of reasons. From a mortgage, business loan, student loan for education or even a car loan, the bulk of our major purchases are bought on lines of credit. Today's world of finance is as confusing as ever before and getting a loan for the first time can see like a headache-inducing and daunting challenge. In The Smart & Easy Guide to Loans, we are provided with all the information we need to truly understand the lending process. From what we'll need before we even apply for a loan, the basics of the different types of common loans, as well as things to avoid, this guide provides accessible information that helps to simplify this complex process. The guide begins by laying out the information one will need to know before even applying for a loan. One will need an in-depth understanding of their financial situation - from debts to assets and income - so as to determine whether or not they will even be eligible for said loan. Outside of a detailed understanding of one's income and assets, financial standing is probably the most important element when applying for a loan. The guide discusses the importance of the credit report, which is used as a key determining factor in whether or not to extend someone a loan. When it comes to credit score, the guide recommends the following strategy: Obtain the credit report Check it for accuracy Determine the health of the credit score If the credit score needs improvement, create a plan of action towards paying off debts and raising credit score as fast as possible. Different Types of Loans and Eligibility Requirements Loans are extended for a huge number of reasons and one's eligibility depends on credit score, income and assets, as well as the type of line of credit being extended. The most common types of loans are mortgages, student loans, business loans, car loans and credit cards. Mortgages are home loans and, outside of business loans, are likely the largest line of credit one will apply for in their lifetime. This line of credit is one of the more difficult lines to obtain, as the size of the loans is so much greater than an auto loan or credit card. One must have a good credit score, strong financial standing and must be able to demonstrate the ability to effectively manage the terms of the loan. Student loans are often dependent on the financial history of the parent. However, some loans can be extended to students with little to no credit, as well as little to no income or assets. Car loans and credit cards are much more variable. The terms of lending often vary from car lot to car lot, or credit card company to credit card company. For the most part, consideration is given to credit score, income and assets, debt load and the price of the vehicle or the amount of credit extended. Loans and Financial Schemes to Avoid While credit does make these large purchases possible, they are not all good ideas. There are a number of financial schemes that are best avoided at all costs. Payday loans, or advances on one's paychecks, are a form of quick loan that often lead the borrower into a viscous cycle of excessive interest rates and a continued loan cycle. These are best to be avoided as the turnaround time on repayment is often incredibly short and the amount of interest charged on the loans is so dramatically inflated. Getting a loan is, for many, an incredibly confusing and even scary experience - but it does not have to be. With The Smart & Easy Guide to Loans, one is provided with all the information they need to understand the lending process, as well as how to determine their eligibility and what financial tools are best avoided. This guide arms readers with the knowledge to make informed decisions about their finances and secure loans for the big purchases in life, and to do so as affordably and simply as possible....

Author by : Dave Ramsey
Languange Used : en
Release Date : 2002-01-01
Publisher by : Lampo

ISBN :

Description : Dave Ramsey explains those scriptural guidelines for handling money....

Author by : Scott Zuckerman
Languange Used : en
Release Date : 2021-01-21
Publisher by : Scott Zuckerman

ISBN :

Description : Do you ever feel your financial world is chaotic or disorganized? Do you get confused by financial terms or concepts you just don’t understand? Do you ever feel as though you have a financial junk drawer? Do you take advice from a professional just because you “trust them”? Scott Zuckerman has dedicated his career to helping his clients achieve financial success to realize their financial goals and dreams. He built a successful financial planning firm starting with just one single client and grew it to a multi-million-dollar organization in under a decade. He believes a person with a positive mindset, clearly defined goals, disciplined behaviors, and knowledge is the key to financial success. The ever-changing complex financial world must be navigated carefully, and having an education is paramount. Scott’s passion for the financial services industry and informing the public led him to write this book. •Learn about common mistakes people make •Understand what financial planning really is and why you don’t have to be rich to have a plan •Financial myths will be debunked once and for all •Why buying financial products without a plan is a horrible idea •Included worksheets will help get you on the right track immediately •And much more!...