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Debt can make your life better or/and can tear your life apart. Most people always take the positive part of having debts without taking in consideration how debts can ruin our life and also how easy we can get rid of our debts by following simple steps.

There are no hidden secrets behind becoming debt free and there is no magic involved at all. A very simple concept and an easy calculation can make your life better. Believe the unbelievable, one word can change your life: “Interest”!

Becoming debt free works on a few simple principles. Payoff the debts first on which you will be paying huge interest, allocate an extra payment each month to accelerate your debt payments. Use monthly payments from a paid-off debt to pay another un-paid debt. A clear explanation is provided in this e-book.

This e-book has been written out of the experience gained during many years in this field. It has been written with the special concerns of people who cannot afford to limit their debts or become debt free

People from teenagers to adults should find the e-book valuable. If we learn, we can avoid having debts. Couple of hours reading this e-book will help you save couple of hundreds and thousand of dollars.

Do not waste your time asking on how to become debt free! Read this e-book now!

Drowning in bills? Get your life back with this e-book. However bad your debt are, there is a solution.

The most important is to educate yourself on how to calculate interest.



Table of contents

Preface

Section I: Introduction on debts

Chapter 1: What Exactly is Debt?

Chapter 2: Why do people get into debt?

Chapter 3: How to avoid debts

Section II: Guide to Getting Rid of Your Debts

Chapter 4: Summarize your debts

Chapter 5: Create a Debt Free/Reduction Plan

Chapter 6: Steps Towards Being Debt Free

Chapter 7: Help yourself out

Section III: Conclusion

How did a cab driver on the tiny island of Kiki Loa become one of the richest men in the world? That is the question to which everyone wanted an answer! Through a set of unusual circumstances, it was recently revealed that Akamai Kane, the lone cab driver on the Polynesian island of Kiki Loa, is worth over $20 billion dollars. Reporter after reporter tried to get his story, but Mr. Kane steadfastly refused all type of interviews. Then a spokesperson for Mr. Kane announced that he was flattered by all the attention and everyone's interest, but that he didn't want to spend all his time answering the same questions repeatedly. As a solution, he offered to let one journalist, whom he would select from applications submitted, write a book of his life's story. To enter the selection process, the journalist had to submit, in their own opinion, their finest work. Dan Langston, a staff writer for a large northeastern newspaper, was selected from more than three thousand professional writers who competed for this privilege; and this book, Memoirs of a Billionaire Cab Driver, is Mr. Kane’s story Mr. Kane granted Mr. Langston a one day interview, which consisted of a taxi tour around the beautify island of Kiki Loa. During the course of this day’s ride he revealed to Mr. Langston all of the secrets he had learned to which he credited his massive success. The secrets Mr. Kane revealed explain exactly how he went from being a very poor island boy with no prospects of a bright future to becoming one of the richest men in the world. Surprisingly, Mr. Kane was able to demonstrate each key secret to Mr. Langston through an example already occurring through nature on the island. Through each example pointed out in nature. Mr. Kane showed Mr. Langston the principles of the secret and why it also worked in real life. Due to Mr. Langston’s ready understanding of nature, he was able to easily grasp these important lessons with complete understanding, as will you as you read this book. So get ready for the read of a lifetime as Mr. Langston recreates for you the lesson he learned from Mr. Kane during his trip around Kiki Loa. This book promises to reveal to you the true secrets for setting and achieving your wildest goals; and who knows, maybe there is a billion dollars in your future as well.
Get rich slowly! Financial independence is a marathon, not a sprint. The financial crisis revealed the hazards of financial illiteracy. Governments desperately want citizens to become financially independent so theyll be less of a burden on them. Findependence Day presents personal finance in a cant put down story format easily digested by young adults entering the work force and the world of money. Because money problems often cause marital breakups, it focuses on the financial journey of a young couple who experience the usual ups and downs of job loss, buying homes, raising children, investing and pensions, starting businesses, coping with stock market volatility and more. The secrets of financial independence are critical wherever you are in the financial life cycle: Newlyweds embarking on family formation will discover the importance of financial planning. Debt-plagued graduates will be motivated to embrace guerrilla frugality. Home-owners will learn the foundation of financial independence is a paid-for home. Those in their first jobs will embrace employer 401(k) plans, traditional IRAs and Roth IRAs. New parents will discover the need for life insurance and saving for childrens education. Mid-life investors will learn how to cut costs in their portfolios while benefiting from the expertise of financial planners. Those near retirement will learn about advanced concepts like annuities and Asset Dedication. Jonathan Chevreau is the editor of MoneySense magazine, former personal finance columnist for the Financial Post and author of nine financial books, including The Wealthy Boomer: Life After Mutual Funds. Hes active in social media and blogs at www.findependenceday.com. Once in a blue moon, a financial book is written that should be required reading for all. Such is the case with Findependence Day. -- Peter Grandich, The Grandich Letter A tour de force: a personal-finance book that is hard to put down. Larry MacDonald, CanadianBusiness.com Having some fun while learning what's good for you is a double win -- particularly learning what we all need to know to live happier lives." Charles Ellis, author of Winning the Losers Game This revised all-American edition features end-of-chapter summaries of financial concepts learned, a glossary and bibliography of books that will boost your financial literacy or that of your kids.
HELPING YOU INVEST YOUR MONEY MOST PROFITABLY

It's not easy to make the right investment decisions. First of all, there are so many investment avenues, each promising different returns and carrying different risks. To add further complexity, there is the fact that different investments are treated differently by the taxman; some attracting higher taxes, others enjoying tax concessions — and the tax laws keep changing all the time. Moreover, each person has his or her own unique financial needs and risk profile. What is tonic for one may prove to be poison for another. Equally, new avenues and instruments of investment keep arising and old ones setting on the horizons of the wonderland of investment. Some of the existing bright stars may suddenly become black holes. The interest rates have a habit of bobbing up and down. This will surely need a change in your portfolio mix.

The bestselling book is packed with a wealth of investment information and guidance about the various investment avenues, their risks and profitability, and their tax implications. Not just that. Based on their 40-plus years of investment advisory expertise, the authors offer those rare insights that will truly help you invest your money most profitably.


Part I: HOW TO AXE, NOT EVADE, TAX:

Income Tax, Gift Tax Gone? Not Really! Salary & Perquisites. Retirement Benefits. Capital Gains. House Property, STT, CTT & DDT.


Part II: HOW TO SELECT AND COLLECT THE MOST PROFITABLE INVESTMENTS:

Public Provident Fund (PPF); National Pension System (NPS); National Savings Certificates; Post Office Small Savings Schemes; Insurance on Life; Mutual Funds; ULIP of Insurance Companies; Stocks and Shares; Futures and Options; RBI Savings Bonds; Bank Deposits; Company Fixed Deposits, and more.

Using Solomon's life and teachings as a foundation, Bruce Fleet offers today's readers a unique, well-grounded, proven method of wise investing.

Solomon was more than just a character in the Bible-he was the richest man who ever lived. If we could learn from him directly, what would he teach us about growth in riches and knowledge? And how can we relate his life and wisdom to the society and successful financial planning of our contemporary world? Bruce Fleet's The Solomon Secret brings together instructional parables highlighting the wisdom of history's wealthiest man, with practical and sound financial advice for twenty- first-century readers.

In the bestselling tradition of The Richest Man in Babylon, The Solomon Secret follows King Solomon as he mentors his young protégé, Abidan, on the seven basic principles of life and their influence on financial success. Each of these parables illustrates a key principle that Abidan must discover before he can garner more wealth and happiness, and is then followed by Fleet's masterful application of these principles to the reader's life and to the most urgent and essential financial questions of our time. Fleet, a successful financial adviser and owner of a large investment firm, draws from the time-honored and historically proven wisdom of the life of the ancient king to offer-through the siphon of his own talent and perspective-the very best in financial strategies for today's challenging economic climate.

An accessible and effective mix of teaching stories with powerful financial lessons, The Solomon Secret is a highly readable, informative guide to becoming wealthy and wise.
When it comes to personal finance, the rules may have changed, but the time-tested principles of sound personal financial management haven't. Those starting out on their paths to financial security just need to learn them better and apply them earlier than ever before - ideally, right from the start.


Previous generations have had some help in achieving financial security that young people can't count on today: generous employer pensions, steady housing price increases, and a well-funded Social Security program, to name a few. In short, the old "muddle through" approach won't cut it anymore - not even close. A steady income is still a must, but parlaying this into long-term financial security is now an entirely different proposition than ever before. The institutions of the past can no longer be relied upon to handle the process; each person now needs to manage the long-term financial planning and decision making on their own.


Fortunately, though, anyone just starting out can still achieve a very strong financial future from almost any income level - but only by doing the right things to make it happen. Those things aren't particularly hard to understand or to do, but it is important to do them right, to do them consistently, and to do them in the right order. Most importantly, if you get an early start, the risks are minimal and the payoff is substantial. But each year that passes, the risks go up and the payoff goes down. If you have just started out in your financial life, or if you are just about to, and you want a complete and practical education in the fundamentals of personal finance for a secure future, then this book is for you. Chris Smith guides readers through the basics of saving, investing, and financial planning in language that is clear, accessible, and lively, making difficult concepts understandable to the novice, and enjoyable to those who already have some understanding. He shows readers how to apply this knowledge, and to avoid the most common pitfalls, to insure the best possible outcome for long-term financial security.
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The definitive guide to the homeland security enterprise―updated with critical changes in missions, tactics, and strategies

International terrorists and rogue nations continue to threaten U.S. citizens, while domestic extremist groups seek to attack the American way of life and hackers take advantage of the Internet to inflict new types of havoc at work and home. Meanwhile, today’s human-made and natural disasters can impact communities on the scale of weapons of mass destruction. Given the range and intensity of today’s threats, we’re all on the front lines of national security.

The most detailed and comprehensive work of its kind, Homeland Security: A Complete Guide provides insights to keep yourself, your family, your business, and your community safe from terrorism and disaster. Written by two global experts on domestic security, this new edition brings you up to date on the latest threats to U.S. security and the most effective methods for eliminating or mitigating them. Homeland Security: A Complete Guide, Third Edition has been expanded and revised to include:

NEW insights on cyber security, Electro-Magnetic Pulse, and other emerging threats
NEW techniques and controversies, such metadata collection, surveillance by US intelligence agencies, drones, interrogation, and countering violent extremist programs
NEW information about homegrown terrorism and radicalization
NEW content about ISIS and foreign fighters
NEW information about controversial domestic extremist groups like AntiFa, BLM, and the AltRight

This edition retains the critical information that has made it the go-to guide for leaders and concerned citizens alike—from the history of American homeland defense from the nation’s earliest days to the events of 9/11, from and the birth of the Department of Homeland Security to the emergence of today’s vast homeland security enterprise. With the important updates in this edition, you will be even better prepared for terrorism and disasters.





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