Power Up: Taking Charge of Your Financial Destiny

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The Resource Power up: The item Power up: Dvorkin represents a specific, individual, material embodiment of a distinct intellectual or artistic creation found in Greenwood County Library System. Creator Dvorkin, Howard S. Summary A proven survival guide for these economically rocky, debt-ridden times Millions of people suffer financial hardship due to job loss and a variety of other factors.

What you need to do in order to take control of your financial destiny includes changing the way you confront and deal with everyday pressures related to shopping, advertising, credit cards, keeping up with the Joneses, and spending money. In Power Up, Howard Dvorkin'founder of Consolidated Credit Counseling Services'draws on his years of experience helping thousands of people overcome devastating financial hardship. Top Reviews Most recent Top Reviews. There was a problem filtering reviews right now. Please try again later. I used Power Up as a teaching tool for me and my kids.

Description

Growing up my parents never gave me the money talk and I didn't realize how important it was until I reached adulthood and didn't know how to manage my money. Today, I'm drowning in debt and at the same time trying to raise a family. Even though I realize that starting the money talk with my kids is essential, I had no idea where to start or what to say. But with Power Up, recommended by a friend, the money conversation has started in my house. I know exactly what to say, how to say it and how to Power Up my kids as they grow.

Power Up: Taking Charge of Your Financial Destiny (Electronic book text)

This is such a powerful tool that I wish I had when I was younger. My debt load would probably be a little lighter than what it is today. But, I'm getting there and I no longer have to worry that my kids will follow my bad money habits. Taking Charge of Your Financial Destiny.

One person found this helpful. This book was very helpful. I've always lived paycheck to paycheck.

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I took on a lot of credit card debt at a young age, but even with that behind me I've never successfully been able to save for a rainy day fund. It seemed like my life was just an ongoing cycle of home and work. Then I saw this book and figured it couldn't hurt to read it.

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And I was right. It turned my life around. Now I am able to actually save money. I learned that my overspending was due to my flexible and discretionary spending habits. And now my bank account has a bright future. I would recommend this book to anyone who want to make their money work for them. My 35th birthday was my turning point. As a CPA and financial counselor for nearly three decades, I can tell you this: However, there are some general rules and even some counter-intuitive advice for winning scholarships. More on that in a moment.

They aim too high. I suggest the opposite: Spend less time applying for smaller scholarships. Smaller scholarships often have fewer rules, which means less time applying for them. Also, because the amounts are small, so is the competition. Even better, I purposefully set up the scholarship to emphasize effort over grades.

Of course, I believe grades are important, but many other scholarships already reward high GPAs. I wanted to stress hard work. That leads into my final piece of advice: There are many scholarships that reward many kinds of effort. Focus on what you excel at, and then search for a scholarship in that area. For example, check out Debt. There just might be something for you. Lastly, read about the previous Debt.

You can also apply for our next scholarship. I have a timeshare with interest rate over 14 percent. But I cannot keep up with payments and maintenance fees, either. What can I do? You buy a vacation home and share the cost with many other owners, and you each have a set amount of time to enjoy the property.

That sounds good in theory. In reality, timeshares cost much more than the initial cash outlay. Fortunately, selling a timeshare is much harder than buying one. The easiest way to sell a timeshare is also one of the costliest. An entire business model has sprung up around helping desperate timeshare owners sell their obligations. Fortunately, the FBI has been investigating unscrupulous operators for years now.

How do you tell the fair from the frauds? The Federal Trade Commission suggests you do the following…. That almost never happens. Timeshare owners have taken matters into their own hands. Check out these sites for selling on your own….

Save Money Archives - Page 3 of 5 - www.newyorkethnicfood.com (p 3)

However, I must tell you: Some timeshare owners aggressively advertise their weeks, while others rely on friends and family. If none of these options work, Bernadette, I suggest you call Debt.

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But when I try to figure out how to live in the Real World on a budget, most websites are poorly written. Last month, I defined the term like this: Ideally, you want it to be as low as possible. If your DTI is 40 to 50, however, I suggest you make a free call for a plain English conversation with a certified credit counselor. The number is If you want, tell me what your DTI ratio is.

So I read your book. It was OK, I guess. You keep talking about negotiating for almost every major purchase. But can I negotiate my credit card bills? I just want to know if I have any leverage with these credit card companies. This is definitely something you can do. You mentioned debt settlement, Kiki. This is something you can do on your own, although when a knowledgeable Debt.