All Your Worth: The Ultimate Lifetime Money Plan
All Your Worth: The Ultimate Lifetime Money Plan
You work hard and try to save money, so why is there never enough to cover all the bills, to put some away in your child’s college fund, to pay off your credit card debt — or to relax and have some fun, for once? In the New York Times bestseller All Your Worth, mother/daughter team Elizabeth Warren and Amelia Warren Tyagi — authors of the acclaimed The Two-Income Trap — tell you the truth about money. The authors lay out a groundbreaking approach to getting control of your money so you can finally start building the life you’ve always wanted. The result of more than twenty years of intensive research, All Your Worth offers you a step-by-step plan that will let you master your finances — for the rest of your life.
The secret? It’s simple, really: get your money in balance. Warren and Tyagi show you how to balance your money into three essential parts: the Must-Haves (the bills you have to pay every month), the Wants (some fun money for right now), and your Savings (to build a better tomorrow). No complicated budgets, no keeping track of every penny. Warren and Tyagi will show you a whole new way of looking at money — and yourself — that will help you get your finances on track so you can enjoy peace of mind for the rest of your life.
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Debt-Free Forever: Take Control of Your Money and Your Life
Debt-Free Forever: Take Control of Your Money and Your Life
Tired of getting to the end of the money before you get to the end of the month? Wish you were in control?
If you’re afraid to open your bills, if you’ve never added up how much you owe, if you can’t even imagine being debt-free, it’s time to join the thousands of people Gail Vaz-Oxlade has helped. Her straightforward approach to money management is based on self-control, hard work, and prioritizing what’s really important. Debt-Free Forever is Gail’s step-by-step guide, and she’ll show you how to:
- figure out how much you’ve actually been spending
- calculate how much you owe—and what it’s costing you
- build a budget that works
- maximize your debt repayments so you can be free of consumer debt in 3 years or less
- prepare for a rainy day so it doesn’t mean a major setback
- set goals for your new, debt-free life
Make no mistake: Getting out of debt isn’t easy. But in Debt-Free Forever, Gail gives you a clear strategy and the steps needed to implement it. So if you’re finished with excuses, overdue notices, and maxed-out credit cards, pick up this book, follow Gail’s plan, and start becoming debt-free forever.
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Categories: Loan Products Tags: Control, Debt Free Forever, DebtFree, Forever, Gail Vaz Oxlade, life, mean, money, Price, take
Predictive Analytics: The Power to Predict Who Will Click, Buy, Lie, or Die
Predictive Analytics: The Power to Predict Who Will Click, Buy, Lie, or Die
“The Freakonomics of big data.”
—Stein Kretsinger, founding executive of Advertising.com; former lead analyst at Capital One
This book is easily understood by all readers. Rather than a “how to” for hands-on techies, the book entices lay-readers and experts alike by covering new case studies and the latest state-of-the-art techniques.
You have been predicted — by companies, governments, law enforcement, hospitals, and universities. Their computers say, “I knew you were going to do that!” These institutions are seizing upon the power to predict whether you’re going to click, buy, lie, or die.
Why? For good reason: predicting human behavior combats financial risk, fortifies healthcare, conquers spam, toughens crime fighting, and boosts sales.
How? Prediction is powered by the world’s most potent, booming unnatural resource: data. Accumulated in large part as the by-product of routine tasks, data is the unsalted, flavorless residue deposited en masse as organizations churn away. Surprise! This heap of refuse is a gold mine. Big data embodies an extraordinary wealth of experience from which to learn.
Predictive analytics unleashes the power of data. With this technology, the computer literally learns from data how to predict the future behavior of individuals. Perfect prediction is not possible, but putting odds on the future — lifting a bit of the fog off our hazy view of tomorrow — means pay dirt.
In this rich, entertaining primer, former Columbia University professor and Predictive Analytics World founder Eric Siegel reveals the power and perils of prediction:
- What type of mortgage risk Chase Bank predicted before the recession.
- Predicting which people will drop out of school, cancel a subscription, or get divorced before they are even aware of it themselves.
- Why early retirement decreases life expectancy and vegetarians miss fewer flights.
- Five reasons why organizations predict death, including one health insurance company.
- How U.S. Bank, European wireless carrier Telenor, and Obama’s 2012 campaign calculated the way to most strongly influence each individual.
- How IBM’s Watson computer used predictive modeling to answer questions and beat the human champs on TV’s Jeopardy!
- How companies ascertain untold, private truths — how Target figures out you’re pregnant and Hewlett-Packard deduces you’re about to quit your job.
- How judges and parole boards rely on crime-predicting computers to decide who stays in prison and who goes free.
- What’s predicted by the BBC, Citibank, ConEd, Facebook, Ford, Google, IBM, the IRS, Match.com, MTV, Netflix, Pandora, PayPal, Pfizer, and Wikipedia.
A truly omnipresent science, predictive analytics affects everyone, every day. Although largely unseen, it drives millions of decisions, determining whom to call, mail, investigate, incarcerate, set up on a date, or medicate.
Predictive analytics transcends human perception. This book’s final chapter answers the riddle: What often happens to you that cannot be witnessed, and that you can’t even be sure has happened afterward — but that can be predicted in advance?
Whether you are a consumer of it — or consumed by it — get a handle on the power of Predictive Analytics.
Q & A with Author Eric Siegel
Why does early retirement decrease life expectancy and why do vegetarians miss fewer flights?
These are two more colorful examples of the multitudes of predictive discoveries waiting within data.
University of Zurich discovered that, for a certain working category of males in Austria, each additional year of early retirement decreases life expectancy by 1.8 months. They conjecture that this could be due to unhealthy habits such as smoking and drinking following retirement.
One airline discovered that customers who preorder a vegetarian meal are more likely to make their flight, with the interpretation that knowledge of a personalized or specific meal awaiting the customer provides an incentive, or establishes a sense of commitment.
Predictive analytics seeks out such predictive connections and then works to see how they may combine together for more precise prediction.
What are the hottest trends in predictive analytics?
There have been many exciting improvements in the core technology of predictive analytics. One is “uplift modeling” (a.k.a. “persuasion modeling”), which predicts influence . . . in order to do influence. The Obama campaign used it to influence voters in the 2012 presidential election; marketing uses it to more adeptly persuade customers; and medicine uses it to better select per-patient treatments. This topic is the focus of the final chapter of this book.
Another hot trend is ensemble models. Like the collective intelligence that spawns the wisdom of a crowd of people, we see the same effect with a crowd of predictive models. Each model alone may be fairly primitive such as a few simple rules, so it gets prediction wrong a lot, as an individual person trying to predict also does. But have them come together as a group and there emerges a new level of predictive performance.
Did Nate Silver use predictive analytics to forecast Obama’s election?
No–but Obama did. Nate Silver made election forecasts for each state as a whole: which way would a state trend, overall? In the meantime, the Obama campaign was using predictive analytics to make per-voter prediction. Moving beyond forecasting, true power comes in influencing the future rather than speculating on it–the raison d’être of predictive analytics. Nate Silver publicly competed to win election forecasting, while Obama’s analytics team quietly competed to win the election itself. Specifically, team Obama drove per-voter campaign decisions by way of per-vote predictions.
What is the coolest thing predictive analytics has done?
One of the most inspiration accomplishments of predictive analytics is IBM’s Watson, which was able to compete against the all-time human champions on the TV quiz show Jeopardy! The questions can be about most any topic, are intended for humans to answer, and can be complex grammatically. It turns out that predictive modeling is the way in which Watson succeeds in determining the answer to a question: it predicts, “Is this candidate answer the correct answer to this question?” It knocks off one correct answer after another–incredible.
What are companies predicting about me as a customer?
Here are just a few examples:
- Microsoft helped develop technology that, based on GPS data, accurately predicts one’s location up to multiple years beforehand.
- Target predicts customer pregnancy from shopping behavior, thus identifying prospects to contact with offers related to the needs of a newborn’s parents.
- Tesco (UK) annually issues 100 million personalized coupons at grocery cash registers across 13 countries. Predictive analytics increased redemption rates by a factor of 3.6.
- Netflix sponsored a million competition to predict which movies you will like in order to improve movie recommendations.
- One top-five U.S. health insurance company predicts the likelihood an elderly insurance policy holder will die within 18 months in order to trigger end-of-life counseling.
- Con Edison predicts energy distribution cable failure, updating risk levels that are displayed on operators’ screens three times an hour in New York City.
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Categories: Loan Products Tags: Analytics, Author Eric Siegel, Click, companies, life, Power, Predict, Predictive, Predictive Analytics, Price
The Total Money Makeover Workbook
The Total Money Makeover Workbook
A simple, straight-forward game plan for completely making over your money habits!
Best-selling author and radio host Dave Ramsey is your personal coach in this informative and interactive companion to the highly successful New York Times bestseller The Total Money Makeover. With inspiring real-life stories and thought-provoking questionnaires, this workbook will help you achieve financial fitness as you daily work out those newly defined money muscles. Ramsey will motivate you to immediate action, so you can:
- Set up an emergency fund (believe me, you’re going to need it)
- Pay off your home mortgage―it is possible.
- Prepare for college funding (your kids will love you for it)
- Maximize your retirement investing so you can live your golden years in financial peace
- Build wealth like crazy!
With incentive exercises that really do exercise your spending and saving habits, Ramsey will get your mind and your money working to make your life free of fiscal stress and strain. It’s a no-nonsense plan that will not only make over your money habits, but it will also completely transform your life.
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Categories: Loan Products Tags: completely, life, Makeover, money, Price, Total, Workbook
AARP Roadmap for the Rest of Your Life: Smart Choices About Money, Health, Work, Lifestyle … and Pursuing Your Dreams
AARP Roadmap for the Rest of Your Life: Smart Choices About Money, Health, Work, Lifestyle … and Pursuing Your Dreams
Solid solutions and step-by-step instructions for planning the next stage of your life
Life after 50 isn’t what it used to be. The rules have changed. No more guaranteed pensions, retiree health plans, or extensive leisure and travel. It’s time to forge new paths and create innovative models. That’s where the AARP Roadmap for the Rest of Your Life comes in. Bart Astor, author of more than a dozen books, offers a comprehensive guide for making lifestyle decisions, growing your nest egg, and realizing your goals. This AARP book—
- Provides guidance on the key areas you’ll need to consider: finances and work, health and fitness, Medicare and Social Security, estate planning, insurance, housing, and more
- Offers expert tips on creating age- and health-specific goals through a personal “Level of Activity” scale based on how active you can and want to be
- Includes tips for finding fun and fulfilling activities and even completing your bucket list
- Supplies ready-to-use worksheets to help you set and meet financial planning goals, get your legal affairs in order, and maintain adequate health insurance
- Contains a comprehensive list of valuable resources
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The Wall Street Journal. Complete Personal Finance Guidebook (The Wall Street Journal Guidebooks)
The Wall Street Journal. Complete Personal Finance Guidebook (The Wall Street Journal Guidebooks)
From America’s most authoritative source: the quintessential primer on understanding and managing your money
Money courses through just about every corner of our lives and has an impact on the way we live today and how we’ll be able to live in the future. Understanding your money, and getting it to work for you, has never been more important than it is today, as more and more of us are called upon to manage every aspect of our financial lives, from managing day-to-day living expenses to planning a college savings fund and, ultimately, retirement. From The Wall Street Journal, the most trusted name in financial and money matters, this indispensable book takes the mystery out of personal finance. Start with the basics, learn how they work, and you’ll become a better steward of your own money, today and in the future. Consider The Wall Street Journal Complete Personal Finance Guidebook your cheat sheet to the finances of your life. This book will help you:
• Understand the nuts and bolts of managing your money: banking, investing, borrowing, insurance, credit cards, taxes, and more
• Establish realistic budgets and savings plans
• Develop an investment strategy that makes sense for you
• Make the right financial decisions about real estate
• Plan for retirement intelligently
Also available—the companion to this guidebook: The Wall Street Journal Personal Finance Workbook, by Jeff D. Opdyke
Get your financial life in order with help from The Wall Street Journal. Look for:
• The Wall Street Journal Complete Money and Investing Guidebook
• The Wall Street Journal Complete Identity Theft Guidebook
• The Wall Street Journal Complete Real Estate Investing Guidebook
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Making the Most of Your Money Now: The Classic Bestseller Completely Revised for the New Economy Reviews
Making the Most of Your Money Now: The Classic Bestseller Completely Revised for the New Economy
Consumers Union named Making the Most of Your Money the best personal finance book on the market. Now Jane Bryant Quinn’s bestseller has been completely revised and updated for 2010 and beyond. America’s most trusted financial adviser, who helped millions of readers meet their goals in the 1990s, has done it again — providing a guide to financial recovery, independence, and success in the new economy.
Getting your financial life on track and keeping it there — nothing is more important to your family and you. This proven, comprehensive guidebook steers you around the risks and helps you make smart and profitable decisions at every stage of your life. Are you single, married, or divorced? A parent with a paycheck or a parent at home? Getting your first job or well along in your career? Helping your kids in college or your parents in their older age? Planning for retirement? Already retired and worried about how to make your money last? You’ll find ideas to help you build your financial security here.
Jane Bryant Quinn answers more questions more completely than any other personal-finance author on the market today. You’ll reach for this book again and again as your life changes and new financial decisions arise. Here are just a few of the important subjects she examines:
• Setting priorities during and after a financial setback, and bouncing back
• Getting the most out of a bank while avoiding fees
• Credit card and debit card secrets that will save you money
• Family matters — talking money before marriage and mediating claims during divorce
• Cutting the cost of student debt, and finding schools that will offer big “merit” scholarships to your child
• The simplest ways of pulling yourself out of debt
• Why it’s so important to jump on the automatic-savings bandwagon
• Buying a house, selling one, or trying to rent your home when buyers aren’t around
• Why credit scores are more important than ever, plus tips on keeping yours in the range most attractive to lenders
• Investing made easy — mutual funds that are tailor-made for your future retirement
• What every investor needs to know about building wealth
• How an “investment policy” helps you make wise decisions in any market
• The essential tax-deferred retirement plans, from 401(k)s to Individual Retirement Accounts — and how to manage them
• How to invest in real estate at a bargain price (and how to spot something that looks like a bargain but isn’t)
• Eleven ways of keeping a steady income while you’re retired, even after a stock market crash
• Financial planning — what it means, how you do it, and where to find good planners
Page by page, Quinn leads you through the pros and cons of every decision, to help you make the choice that will suit you best. This is the single personal-finance book that no family should be without.
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Categories: Loan Products Tags: Bestseller, Classic, completely, Economy, home, life, Making, money, most, Price, Reviews, Revised
Life After Debt: Practical Solutions To Get Out of Debt, Build Wealth, And Radically Transform Your Finances Forever!
Life After Debt: Practical Solutions To Get Out of Debt, Build Wealth, And Radically Transform Your Finances Forever!
Life After Debt is the culmination of thousands of one to one meetings with people just like you and I but deep in debt. In many cases their debt was not so much a function of irresponsibility but rather health issues, divorce and the economy. In this book author Rob Kosberg peels back the curtain on the strategies and mindset needed to overcome debt once and for all. Get this book today and be on your way to a debt free life forever!
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Graduation Debt: How to Manage Student Loans and Live Your Life (CliffsNotes)
Graduation Debt: How to Manage Student Loans and Live Your Life (CliffsNotes)
Graduation Debtis different from the competition because it provides a step-by-step road map for effectively managing student loan debt and having a successful financial life. Yet, it’s completely positive. The focus is less on sacrifice and more on not wasting money, so readers can live better lives while paying off debt.
The book’s content is divided into small subsections geared toward those neck-deep in student debt. The brevity of each section makes the book digestible to those who aren’t inclined to focus on their finances. Readers are encouraged to take action steps such as finding long lost student loans that may have gone into default, discovering payment plans they can afford, consolidating loans when it makes sense to do so, saving money on eating out and groceries, improving credit scores, tweaking their debt-to-income ratios that’s needed to buy a home, discussing their student loan and non-student loan debt with their significant others.
By the end of the book readers will be on the road to managing all their debt and having extra money for vacations and other fun stuff, too.
How to Miss Student Loan Payments Without Hurting Your Credit
Amazon-exclusive content from the author
Worried your credit will take a nose dive if you miss federal student loan payments? Your credit won’t be dinged if you call your loan servicer and qualify for a temporary payment reprieve.
What steps do you need to get approval for an excused absence from making payments?
1. Write down your monthly expenses and your monthly income on a piece of paper. Your loan servicer is going to want to know why you need a break from student loan payments.
2. Peruse the Department of Education’s or your servicer’s Web site to see if there are special reasons you might qualify for a payment break such as military service or you’re returning to school. You’ll find the words forbearance and deferment. These are the terms used for an approved temporary break from payment. The difference between the two is that in deferment the government will pay the interest charged until your deferment expires.
3. Write down circumstances that apply to you that you found on the same piece of paper as your finances.
4. Find the contact information for all your student loans. If you don’t have your paperwork for all your loan servicers, contact the department of Education or pull up your loan list by logging in to the National Student Loan Data System Web site.
5. Click on each loan that shows a balance in the Outstanding Principal column. Scroll down to the contact chart and write down the name of your servicer and the contact number. Repeat for each loan on which you still have a balance.
6. When you call each of your servicers, tell them you need either a deferment or forbearance. Then tell them your circumstances as to why you need a payment break. There may be a brand new type of forbearance or deferment that may work better for you.
7. Don’t accept more time than the maximum you could need at once, especially if you qualify for forbearance instead of a deferment. Why? Your interest still accrues if you are granted forbearance. For example, let’s say you have ,000 in student debt at a rate of 5 percent. You decide to take a six-month payment break. Six months later, your loan has grown to ,500 because of accrued interest and no payments made.
8. Fill out any necessary paperwork asked for by your servicer (s). Wait a week after you submit paperwork to call and verify paperwork has been received.
9. To protect your credit, wait to stop making payments until you’ve received a notice in writing from each servicer with the exact date your deferment or forbearance will begin and end. Call each servicer to verify this date and the date you should start making payments when your deferment or forbearance ends.
10. Keep your loan information in a folder in a place where you will be able to easily find the information later.
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Categories: Loan Products Tags: CliffsNotes, Debt, Graduation, life, live, loans, Manage, Student
Q&A: should I repay a life insurance loan?
Question by Nightflyer: should I repay a life insurance loan?
I borrowed $ 5000 from a whole life policy several years ago. I get a statement every 6 months saying I owe interest and am encouraged to repay the loan. Should I pay it back or just pay the interest now and then so the loan amount doesn’t become larger than the cash value, causing the policy to be terminated?
Best answer:
Answer by Ginger
Does your family need the total amount of the death benefit? If you don’t pay the loan back, the balance of the loan, plus interest, will be subtracted from the death benefit at the time of your demise, when a claim is made.
If you have plenty of coverage, less the loan and interest balance, then just pay the interest.
Give your answer to this question below!