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| credit karma employment history: Dear Debt Melanie Lockert, 2016-08-12 In her debut book Dear Debt, personal finance expert Melanie Lockert combines her endearing and humorous personal narrative with practical tools to help readers overcome the crippling effects of debt. Drawing from her personal experience of paying off eighty thousand dollars of student loan debt, Melanie provides a wealth of money-saving tips to help her community of debt fighters navigate the repayment process, increase current income, and ultimately become debt-free. By breaking down complex financial concepts into clear, manageable tools and step-by-step processes, Melanie has provided a venerable guide to overcoming debt fatigue and obtaining financial freedom. Inside Dear Debt you will learn to: • Find the debt repayment strategy most effective for your needs • Avoid spending temptations by knowing your triggers • Replace expensive habits with cheaper alternatives • Become a frugal friend without being rude • Start a side hustle to boost your current income • Negotiate your salary to maximize value • Develop a financial plan for life after debt |
| credit karma employment history: Never Sell Your First Home Brendan C. Donelson, 2022-05-01 As Soon as You Buy Your First Home, a Major Investment Win Can Be Yours-But Most People Miss It Too many homeowners lose a once-in-a-lifetime wealth-building opportunity. Brendan Donelson did. After moving into his second house, he recognized that selling his first home was a half-million-dollar mistake. The pain from it motivated him to do everything possible to help others avoid the same pitfall. Now, after more than two decades of showing his mortgage clients the remarkable wealth-building opportunity in keeping the first-and every other-home they own, Brendan has captured his insights and financing know-how in this practical, fun-to-read book. Never Sell Your First Home details why keeping your residence as an investment property is one of your best possible net worth strategies. Brendan shows how to finance a second home even without money from selling the first house. It's one of many keys he offers about how to make this investment work for you. And if you have sold your first home? No need to let that slow you down. This book makes clear the benefits of keeping whatever potential investment property you're living in right now. Brendan takes you step-by-step through a simple, secure way to explode your net worth and supplements his explanations with case studies of actual results. Is Your Investment Portfolio Ready to Take Off Like Hailey's Comet? Hailey's is just one of the wealth-building success stories you'll meet in Never Sell Your First Home. Before Hailey could make the mistake of selling her first home, Brendan showed this on-her-way-to-living-well schoolteacher from Colorado the huge financial win in owning rental property. From a Colorado school teacher to a Tennessee Fortune 500 CEO, you'll see six different stories of how homes at any level of value can be leveraged to create astounding wealth. Through this book, Brendan equips you to do what they did: Multiply your net worth far beyond the norm and create cash flow in the process. The especially good news is that everything Brendan teaches applies even if you did sell your first home. Start doing things the NSYFH way now, and you'll be better off for the rest of your life. Brendan's approach is spot on. If mostAmericans could figure out a way to keep more real estate, they'd be wealthier.This book is a great read from an authorwho knows what he's writing about -ArtLaffer, Economist, Author, and Economic Policy Advisor to President Reagan |
| credit karma employment history: Delinquent Elena Botella, 2022-10-11 The time before the debt machine -- How the machine was built -- The debtor class -- A broken net -- The quickest levers -- Divergent -- A fair deal -- The last frontier -- Transformational lending -- Appendix A : About my research process -- Appendix B : Advice for consumers. |
| credit karma employment history: Introduction to Personal Finance Kristen Carioti, 2024-03-18 Introduction to Personal Finance invites students to reflect on their values and behaviors with money and to set goals to reach financial freedom and financial wellness. Author Kristen Carioti provides clear, step-by-step guidance on the essential building blocks, from setting up an emergency fund, to navigating student loans and investing for retirement. Students are encouraged to evaluate their personal relationship with money and mindfully assess their behavior so they can set and reach achievable financial goals. |
| credit karma employment history: Karma Johannes Bronkhorst, 2011-08-24 Karma has become a household word in the modern world, where it is associated with the belief in rebirth determined by one’s deeds in earlier lives. This belief was and is widespread in the Indian subcontinent as is the word “karma” itself. In lucid and accessible prose, this book presents karma in its historical, cultural, and religious context. Initially, karma manifested itself in a number of religious movements—most notably Jainism and Buddhism—and was subsequently absorbed into Brahmanism in spite of opposition until the end of the first millennium C.E. Philosophers of all three traditions were confronted with the challenge of explaining by what process rebirth and karmic retribution take place. Some took the drastic step of accepting the participation of a supreme god who acted as a cosmic accountant, others of opting for radical idealism. The doctrine of karma was confronted with alternative explanations of human destiny, among them the belief in the transfer of merit. It also had to accommodate itself to devotional movements that exerted a major influence on Indian religions. The book concludes with some general reflections on the significance of rebirth and karmic retribution, drawing attention to similarities between early Christian and Indian ascetical practices and philosophical notions that in India draw their inspiration from the doctrine of karma. |
| credit karma employment history: Ask a Manager Alison Green, 2018-05-01 From the creator of the popular website Ask a Manager and New York’s work-advice columnist comes a witty, practical guide to 200 difficult professional conversations—featuring all-new advice! There’s a reason Alison Green has been called “the Dear Abby of the work world.” Ten years as a workplace-advice columnist have taught her that people avoid awkward conversations in the office because they simply don’t know what to say. Thankfully, Green does—and in this incredibly helpful book, she tackles the tough discussions you may need to have during your career. You’ll learn what to say when • coworkers push their work on you—then take credit for it • you accidentally trash-talk someone in an email then hit “reply all” • you’re being micromanaged—or not being managed at all • you catch a colleague in a lie • your boss seems unhappy with your work • your cubemate’s loud speakerphone is making you homicidal • you got drunk at the holiday party Praise for Ask a Manager “A must-read for anyone who works . . . [Alison Green’s] advice boils down to the idea that you should be professional (even when others are not) and that communicating in a straightforward manner with candor and kindness will get you far, no matter where you work.”—Booklist (starred review) “The author’s friendly, warm, no-nonsense writing is a pleasure to read, and her advice can be widely applied to relationships in all areas of readers’ lives. Ideal for anyone new to the job market or new to management, or anyone hoping to improve their work experience.”—Library Journal (starred review) “I am a huge fan of Alison Green’s Ask a Manager column. This book is even better. It teaches us how to deal with many of the most vexing big and little problems in our workplaces—and to do so with grace, confidence, and a sense of humor.”—Robert Sutton, Stanford professor and author of The No Asshole Rule and The Asshole Survival Guide “Ask a Manager is the ultimate playbook for navigating the traditional workforce in a diplomatic but firm way.”—Erin Lowry, author of Broke Millennial: Stop Scraping By and Get Your Financial Life Together |
| credit karma employment history: Introduction to Personal Finance John E. Grable, Lance Palmer, 2022-02-08 Every financial decision we make impacts our lives. Introduction to Personal Finance: Beginning Your Financial Journey, 2e is designed to help students avoid early financial mistakes and provide the tools needed to secure a strong foundation for the future. Using engaging visuals and a modular approach, instructors can easily customize their course to topics that matter most to their students. This course empowers students to define their personal values and make smart financial decisions that help them achieve their goals. |
| credit karma employment history: The Economic Weapon Nicholas Mulder, 2022 Tracing the history of economic sanctions from the blockades of World War I to the policing of colonial empires and the interwar confrontation with fascism, Nicholas Mulder combines political, economic, legal, and military history to reveal how a coercive wartime tool was adopted as an instrument of peacekeeping by the League of Nations.This timely study casts an overdue light on why sanctions are widely considered a form of war, and why their unintended consequences are so tremendous. |
| credit karma employment history: Work Won't Love You Back Sarah Jaffe, 2021-01-26 A deeply-reported examination of why doing what you love is a recipe for exploitation, creating a new tyranny of work in which we cheerily acquiesce to doing jobs that take over our lives. You're told that if you do what you love, you'll never work a day in your life. Whether it's working for exposure and experience, or enduring poor treatment in the name of being part of the family, all employees are pushed to make sacrifices for the privilege of being able to do what we love. In Work Won't Love You Back, Sarah Jaffe, a preeminent voice on labor, inequality, and social movements, examines this labor of love myth—the idea that certain work is not really work, and therefore should be done out of passion instead of pay. Told through the lives and experiences of workers in various industries—from the unpaid intern, to the overworked teacher, to the nonprofit worker and even the professional athlete—Jaffe reveals how all of us have been tricked into buying into a new tyranny of work. As Jaffe argues, understanding the trap of the labor of love will empower us to work less and demand what our work is worth. And once freed from those binds, we can finally figure out what actually gives us joy, pleasure, and satisfaction. |
| credit karma employment history: Infinite Vision Pavithra K. Mehta, Suchitra Shenoy, 2011-11-07 The Aravind Eye Care System, based in India, is the world's largest provider of high-quality eye care. It is also one of the world's most incredible and revolutionary organizations. This is the first book to explore Aravind's history and the distinctive philosophies, practices, and commitments that are the keys to its success. |
| credit karma employment history: Driving Your Own Karma Swami Beyondananda, Steve Bhaerman, 1989-07 Presents Swami Beyondananda's humorous guide to enlightenment. |
| credit karma employment history: The Road to 850 Al Bingham, 2007-01-01 |
| credit karma employment history: I Love Jesus, But I Want to Die Sarah J. Robinson, 2021-05-11 A compassionate, shame-free guide for your darkest days “A one-of-a-kind book . . . to read for yourself or give to a struggling friend or loved one without the fear that depression and suicidal thoughts will be minimized, medicalized or over-spiritualized.”—Kay Warren, cofounder of Saddleback Church What happens when loving Jesus doesn’t cure you of depression, anxiety, or suicidal thoughts? You might be crushed by shame over your mental illness, only to be told by well-meaning Christians to “choose joy” and “pray more.” So you beg God to take away the pain, but nothing eases the ache inside. As darkness lingers and color drains from your world, you’re left wondering if God has abandoned you. You just want a way out. But there’s hope. In I Love Jesus, But I Want to Die, Sarah J. Robinson offers a healthy, practical, and shame-free guide for Christians struggling with mental illness. With unflinching honesty, Sarah shares her story of battling depression and fighting to stay alive despite toxic theology that made her afraid to seek help outside the church. Pairing her own story with scriptural insights, mental health research, and simple practices, Sarah helps you reconnect with the God who is present in our deepest anguish and discover that you are worth everything it takes to get better. Beautifully written and full of hard-won wisdom, I Love Jesus, But I Want to Die offers a path toward a rich, hope-filled life in Christ, even when healing doesn’t look like what you expect. |
| credit karma employment history: Capital in the Twenty-First Century Thomas Piketty, 2017-08-14 What are the grand dynamics that drive the accumulation and distribution of capital? Questions about the long-term evolution of inequality, the concentration of wealth, and the prospects for economic growth lie at the heart of political economy. But satisfactory answers have been hard to find for lack of adequate data and clear guiding theories. In this work the author analyzes a unique collection of data from twenty countries, ranging as far back as the eighteenth century, to uncover key economic and social patterns. His findings transform debate and set the agenda for the next generation of thought about wealth and inequality. He shows that modern economic growth and the diffusion of knowledge have allowed us to avoid inequalities on the apocalyptic scale predicted by Karl Marx. But we have not modified the deep structures of capital and inequality as much as we thought in the optimistic decades following World War II. The main driver of inequality--the tendency of returns on capital to exceed the rate of economic growth--today threatens to generate extreme inequalities that stir discontent and undermine democratic values if political action is not taken. But economic trends are not acts of God. Political action has curbed dangerous inequalities in the past, the author says, and may do so again. This original work reorients our understanding of economic history and confronts us with sobering lessons for today. |
| credit karma employment history: Debt Peter Y. Paik, Merry Wiesner-Hanks, 2013-07-30 Essays exploring questions of what we owe—to corporations, to governments, to each other, to the past, and to the future. From personal finance and consumer spending to ballooning national expenditures on warfare and social welfare, debt is fundamental to the dynamics of global capitalism. The contributors to this volume explore the concept of indebtedness in its various senses and from a wide range of perspectives. They observe that many views of ethics, citizenship, and governance are based on a conception of debts owed by one individual to others; that artistic and literary creativity involves the artist’s dialogue with the works of the past; and that the specter of catastrophic climate change has underscored the debt those living in the present owe to future generations. “A welcome range of new perspectives on what has become a central issue for contemporary debate.” —Anthropological Notebooks |
| credit karma employment history: Every Landlord's Guide to Finding Great Tenants Janet Portman, 2020-06-01 Protect your investment! Choosing new tenants who will pay on time, respect your property, and stay for an extended period will make your life easierand your business more profitable. This book guides you through the process of attracting, screening, choosing, and getting the best renters possible. Just as important, it shows how to avoid problem tenants. Youll learn how to: avoid discrimination complaints advertise effectively screen tenants over the phone show the unit evaluate applications examine credit reports check references make a rental offer reject applicants and much more. With Downloadable Forms: includes dozens of forms and checklists that will help you get the information you need without running afoul of the law available for download (details inside). |
| credit karma employment history: Kiplinger's Personal Finance Magazine , 2010-07 |
| credit karma employment history: Buddhism: A Very Short Introduction Damien Keown, 1996-10-03 This Very Short Introduction introduces the reader to the teachings of the Buddha and to the integration of Buddhism into daily life. What are the distinctive features of Buddhism? Who was the Buddha, and what are his teachings? How has Buddhist thought developed over the centuries, and how can contemporary dilemmas be faced from a Buddhist perspective? Words such as 'karma' and 'nirvana' have entered our vocabulary, but what do they mean? Damien Keown's book provides a lively, informative response to these frequently asked questions about Buddhism. |
| credit karma employment history: Money Letters Jackie Cummings Koski, 2012-11-07 Letters from a mother to her daughter about all things dealing with money and personal finances. It's not about teaching how to make more money, but how to better manage the money you have. Every letter starts with a lesson and ends with love -- Back cover. |
| credit karma employment history: Die with Zero Bill Perkins, William O. Perkins, 2020 A startling new philosophy and practical guide to getting the most out of your money-and out of life-for those who value memorable experiences as much as their earnings-- |
| credit karma employment history: AARP Master Your Debt Jordan E. Goodman, 2011-12-19 AARP Digital Editions offer you practical tips, proven solutions, and expert guidance. The world of borrowing and debt management has changed dramatically, leaving people confused about how best to secure their financial future. This book is the only guide with detailed advice to help you become debt free or master the debt you have, based on the latest laws and new government programs and policies implemented under the Obama administration. Is the information and advice on debt management different than in years past? Definitely. In this savvy, engaging guide, bestselling financial expert Jordan Goodman will tell you how to Win the mortgage game: avoid foreclosure, obtain the best refi, and modify your mortgage even if it is under water Clean up your credit report and dramatically boost your credit score Negotiate new terms and payments for burdensome medical bills, student loans, and credit cards Protect yourself from the devastation of identity theft Master the new credit card rules, and avoid the rate and fee traps Learn a revolutionary strategy that will help you become mortgage free in 5 to 7 years, change the way you pay all your bills, and save hundreds of thousands of dollars Master Your Debt recommends many pioneering strategies as it lays out an innovative plan for achieving the elusive goal of financial success. The book is filled with helpful web sites, toll free numbers, associations and government agencies, and vetted companies and services to help you implement this advice. In today's volatile economy, getting out of debt is the key to surviving and thriving, and author Jordan Goodman provides you with the strategies and tools to live debt free. |
| credit karma employment history: Broke Millennial Erin Lowry, 2017-05-02 WASHINGTON POST “COLOR OF MONEY” BOOK CLUB PICK Stop Living Paycheck to Paycheck and Get Your Financial Life Together (#GYFLT)! If you’re a cash-strapped 20- or 30-something, it’s easy to get freaked out by finances. But you’re not doomed to spend your life drowning in debt or mystified by money. It’s time to stop scraping by and take control of your money and your life with this savvy and smart guide. Broke Millennial shows step-by-step how to go from flat-broke to financial badass. Unlike most personal finance books out there, it doesn’t just cover boring stuff like credit card debt, investing, and dealing with the dreaded “B” word (budgeting). Financial expert Erin Lowry goes beyond the basics to tackle tricky money matters and situations most of us face #IRL, including: - Understanding your relationship with moolah: do you treat it like a Tinder date or marriage material? - Managing student loans without having a full-on panic attack - What to do when you’re out with your crew and can’t afford to split the bill evenly - How to get “financially naked” with your partner and find out his or her “number” (debt number, of course) . . . and much more. Packed with refreshingly simple advice and hilarious true stories, Broke Millennial is the essential roadmap every financially clueless millennial needs to become a money master. So what are you waiting for? Let’s #GYFLT! |
| credit karma employment history: Special Air Warfare and the Secret War in Laos Air University Press, Joseph D Celeski, 2019-07-02 The story of special air warfare and the Air Commandos who served for the ambassadors in Laos from 1964 to 1975 is captured through extensive research and veteran interviews. The author has meticulously put together a comprehensive overview of the involvement of USAF Air Commandos who served in Laos as trainers, advisors, and clandestine combat forces to prevent the communist takeover of the Royal Lao Government. This book includes pictures of those operations, unveils what had been a US government secret war, and adds a substantial contribution to understanding the wider war in Southeast Asia. |
| credit karma employment history: Karmic Management Geshe Michael Roach, Lama Christie McNally, Michael Gordon, 2009-09-01 Readable in fifty-eight minutes: Traditional Eastern wisdom and real-life business experience come together in this brief and practical guide, which offers a step-by-step plan that will help readers adopt a more successful way of working and living. KARMIC MANAGEMENT is a little book with a revolutionary message. It turns traditional business mentality on its head by stating simply that helping others become successful—suppliers, customers, even competitors—is the real key to success in life as well as in business. Drawing from their own entrepreneurial experiences, the authors explain how, in eight basics steps that take less than one hour in total, readers can learn to apply KARMIC MANAGEMENT to meet goals, both personal and professional. Each lesson opens with a quotation from a Buddhist text and explains how it applies to life and work in the twenty-first century. The authors show readers how to identify the things that aren’t working for them, discover their most valuable assets, and use their new insights to improve the lives of others. To-do lists throughout the book provide practical tools and exercises, and real-life examples highlight the power of KARMIC MANAGEMENT to make dreams come true. |
| credit karma employment history: We Beat the Street Sampson Davis, George Jenkins, Rameck Hunt, Sharon Draper, 2006-04-20 Growing up on the rough streets of Newark, New Jersey, Rameck, George,and Sampson could easily have followed their childhood friends into drug dealing, gangs, and prison. But when a presentation at their school made the three boys aware of the opportunities available to them in the medical and dental professions, they made a pact among themselves that they would become doctors. It took a lot of determination—and a lot of support from one another—but despite all the hardships along the way, the three succeeded. Retold with the help of an award-winning author, this younger adaptation of the adult hit novel The Pact is a hard-hitting, powerful, and inspirational book that will speak to young readers everywhere. |
| credit karma employment history: Chasing History Carl Bernstein, 2022-01-11 A New York Times bestseller In this triumphant memoir, Carl Bernstein, the Pulitzer Prize-winning coauthor of All the President’s Men and pioneer of investigative journalism, recalls his beginnings as an audacious teenage newspaper reporter in the nation’s capital—a winning tale of scrapes, gumshoeing, and American bedlam. In 1960, Bernstein was just a sixteen-year-old at considerable risk of failing to graduate high school. Inquisitive, self-taught—and, yes, truant—Bernstein landed a job as a copyboy at the Evening Star, the afternoon paper in Washington. By nineteen, he was a reporter there. In Chasing History: A Kid in the Newsroom, Bernstein recalls the origins of his storied journalistic career as he chronicles the Kennedy era, the swelling civil rights movement, and a slew of grisly crimes. He spins a buoyant, frenetic account of educating himself in what Bob Woodward describes as “the genius of perpetual engagement.” Funny and exhilarating, poignant and frank, Chasing History is an extraordinary memoir of life on the cusp of adulthood for a determined young man with a dogged commitment to the truth. |
| credit karma employment history: Uncle Tom's Cabin Harriet Beecher Stowe, 1901 In the nineteenth century Uncle Tom's Cabin sold more copies than any other book in the world except the Bible. |
| credit karma employment history: The Silk Road: A Very Short Introduction James A. Millward, 2013-04-26 The Silk Road: A Very Short Introduction is a new look at an ancient subject: the silk road that linked China, India, Persia and the Mediterranean across the expanses of Central Asia. James A. Millward highlights unusual but important biological, technological and cultural exchanges over the silk roads that stimulated development across Eurasia and underpin civilization in our modern, globalized world. |
| credit karma employment history: The Job Ellen Ruppel Shell, 2018-10-23 Critically acclaimed journalist Ellen Ruppel Shell uncovers the true cost--political, economic, social, and personal--of America's mounting anxiety over jobs, and what we can do to regain control over our working lives. Since 1973, our productivity has grown almost six times faster than our wages. Most of us rank so far below the top earners in the country that the winners might as well inhabit another planet. But work is about much more than earning a living. Work gives us our identity, and a sense of purpose and place in this world. And yet, work as we know it is under siege. Through exhaustive reporting and keen analysis, The Job reveals the startling truths and unveils the pervasive myths that have colored our thinking on one of the most urgent issues of our day: how to build good work in a globalized and digitalized world where middle class jobs seem to be slipping away. Traveling from deep in Appalachia to the heart of the Midwestern rust belt, from a struggling custom clothing maker in Massachusetts to a thriving co-working center in Minnesota, she marshals evidence from a wide range of disciplines to show how our educational system, our politics, and our very sense of self have been held captive to and distorted by outdated notions of what it means to get and keep a good job. We read stories of sausage makers, firefighters, zookeepers, hospital cleaners; we hear from economists, computer scientists, psychologists, and historians. The book's four sections take us from the challenges we face in scoring a good job today to work's infinite possibilities in the future. Work, in all its richness, complexity, rewards and pain, is essential for people to flourish. Ellen Ruppel Shell paints a compelling portrait of where we stand today, and points to a promising and hopeful way forward. |
| credit karma employment history: The Collection Process (income Tax Accounts) United States. Internal Revenue Service, 1978 |
| credit karma employment history: When Computers Were Human David Alan Grier, 2013-11-01 Before Palm Pilots and iPods, PCs and laptops, the term computer referred to the people who did scientific calculations by hand. These workers were neither calculating geniuses nor idiot savants but knowledgeable people who, in other circumstances, might have become scientists in their own right. When Computers Were Human represents the first in-depth account of this little-known, 200-year epoch in the history of science and technology. Beginning with the story of his own grandmother, who was trained as a human computer, David Alan Grier provides a poignant introduction to the wider world of women and men who did the hard computational labor of science. His grandmother's casual remark, I wish I'd used my calculus, hinted at a career deferred and an education forgotten, a secret life unappreciated; like many highly educated women of her generation, she studied to become a human computer because nothing else would offer her a place in the scientific world. The book begins with the return of Halley's comet in 1758 and the effort of three French astronomers to compute its orbit. It ends four cycles later, with a UNIVAC electronic computer projecting the 1986 orbit. In between, Grier tells us about the surveyors of the French Revolution, describes the calculating machines of Charles Babbage, and guides the reader through the Great Depression to marvel at the giant computing room of the Works Progress Administration. When Computers Were Human is the sad but lyrical story of workers who gladly did the hard labor of research calculation in the hope that they might be part of the scientific community. In the end, they were rewarded by a new electronic machine that took the place and the name of those who were, once, the computers. |
| credit karma employment history: World War Z Max Brooks, 2013 An account of the decade-long conflict between humankind and hordes of the predatory undead is told from the perspective of dozens of survivors who describe in their own words the epic human battle for survival, in a novel that is the basis for the June 2013 film starring Brad Pitt. Reissue. Movie Tie-In. |
| credit karma employment history: The Palestine Nakba Nur Masalha, 2012-08-09 2012 marks the 63rd anniversary of the Nakba - the most traumatic catastrophe that ever befell Palestinians. This book explores new ways of remembering and commemorating the Nakba. In the context of Palestinian oral history, it explores 'social history from below', subaltern narratives of memory and the formation of collective identity. Masalha argues that to write more truthfully about the Nakba is not just to practise a professional historiography but an ethical imperative. The struggles of ordinary refugees to recover and publicly assert the truth about the Nakba is a vital way of protecting their rights and keeping the hope for peace with justice alive. This book is essential for understanding the place of the Palestine Nakba at the heart of the Israel-Palestine conflict and the vital role of memory in narratives of truth and reconciliation. |
| credit karma employment history: No Logo Naomi Klein, 2000-01-15 What corporations fear most are consumers who ask questions. Naomi Klein offers us the arguments with which to take on the superbrands. Billy Bragg from the bookjacket. |
| credit karma employment history: The White Coat Investor James M. Dahle, 2014-01 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! |
| credit karma employment history: Straight Talk on Your Money Doug Hoyes, 2017-09-09 Everything you know about money is wrong! In his thirty-year career, bankruptcy trustee Doug Hoyes has watched countless intelligent, well meaning people let their emotions get the better of them as they follow conventional financial wisdom and get into serious money trouble. Straight Talk On Your Money exposes some of the biggest money myths and traps that we accept as financial truths: why a good credit score may be detrimental to your financial well-being why a house is not an investment why you should never pay a collection agent why budgeting is a waste of time - and much more Straight Talk On Your Money cuts through the biggest myths about money and the hype of the financial industry to give you a fresh perspective, the facts you need to know, and practical advice to help you prevent financial problems before they happen. With a seasoned expert to point you in the right direction - someone who's seen thousands of people in financial crisis, and helped them out of it - you can make informed decisions, improve your financial health, and live a debt-free, stress-free life. |
| credit karma employment history: Soldier of Finance Jeff Rose, 2013-09-03 Too much debt? Not enough savings? It's time to become a battle-ready financial warrior, prepared to tackle any money challenge. Modeled on the Soldier's Handbook, which is issued to all new U.S. Army recruits, Soldier of Finance is a no-nonsense, military-style training manual to overcoming financial obstacles and building lasting wealth. Financial planner and experienced army veteran Jeff Rose has divided this book into 14 modules, each section covering an essential element of financial success. You will learn how to: Evaluate your position and commit to change Target and methodically eliminate debt Clean up your credit report Create tactical budgets Build emergency savings Invest for the short and long term Determine an affordable mortgage size, insurance needs, and more. Complete with tales from the trenches and useful tools including quizzes, debriefings, and more, Soldier of Finance is the survival guide you need to face down your finances and bring order and prosperity to your life. |
| credit karma employment history: Disunited Nations Peter Zeihan, 2020-03-03 Should we stop caring about fading regional powers like China, Russia, Germany, and Iran? Will the collapse of international cooperation push France, Turkey, Japan, and Saudi Arabia to the top of international concerns? Most countries and companies are not prepared for the world Peter Zeihan says we’re already living in. For decades, America’s allies have depended on its might for their economic and physical security. But as a new age of American isolationism dawns, the results will surprise everyone. In Disunited Nations, geopolitical strategist Peter Zeihan presents a series of counterintuitive arguments about the future of a world where trade agreements are coming apart and international institutions are losing their power. Germany will decline as the most powerful country in Europe, with France taking its place. Every country should prepare for the collapse of China, not North Korea. We are already seeing, as Zeihan predicts, a shift in outlook on the Middle East: It is no longer Iran that is the region’s most dangerous threat, but Saudi Arabia. The world has gotten so accustomed to the “normal” of an American-dominated order that we have all forgotten the historical norm: several smaller, competing powers and economic systems throughout Europe and Asia. America isn’t the only nation stepping back from the international system. From Brazil to Great Britain to Russia, leaders are deciding that even if plenty of countries lose in the growing disunited chaos, their nations will benefit. The world isn’t falling apart—it’s being pushed apart. The countries and businesses prepared for this new every-country-for-itself ethic are those that will prevail; those shackled to the status quo will find themselves lost in the new world disorder. Smart, interesting, and essential reading, Disunited Nations is a sure-to-be-controversial guidebook that analyzes the emerging shifts and resulting problems that will arise in the next two decades. We are entering a period of chaos, and no political or corporate leader can ignore Zeihan’s insights or his message if they want to survive and thrive in this uncertain new time. |
| credit karma employment history: Venture Deals Brad Feld, Jason Mendelson, 2011-07-05 An engaging guide to excelling in today's venture capital arena Beginning in 2005, Brad Feld and Jason Mendelson, managing directors at Foundry Group, wrote a long series of blog posts describing all the parts of a typical venture capital Term Sheet: a document which outlines key financial and other terms of a proposed investment. Since this time, they've seen the series used as the basis for a number of college courses, and have been thanked by thousands of people who have used the information to gain a better understanding of the venture capital field. Drawn from the past work Feld and Mendelson have written about in their blog and augmented with newer material, Venture Capital Financings puts this discipline in perspective and lays out the strategies that allow entrepreneurs to excel in their start-up companies. Page by page, this book discusses all facets of the venture capital fundraising process. Along the way, Feld and Mendelson touch on everything from how valuations are set to what externalities venture capitalists face that factor into entrepreneurs' businesses. Includes a breakdown analysis of the mechanics of a Term Sheet and the tactics needed to negotiate Details the different stages of the venture capital process, from starting a venture and seeing it through to the later stages Explores the entire venture capital ecosystem including those who invest in venture capitalist Contain standard documents that are used in these transactions Written by two highly regarded experts in the world of venture capital The venture capital arena is a complex and competitive place, but with this book as your guide, you'll discover what it takes to make your way through it. |
| credit karma employment history: Cloud Atlas (20th Anniversary Edition) David Mitchell, 2010-07-16 #1 INTERNATIONAL BESTSELLER • A timeless, structure-bending classic that explores how actions of individual lives impact the past, present and future—from a postmodern visionary and one of the leading voices in fiction Featuring a new afterword by David Mitchell and a new introduction by Gabrielle Zevin, author of Tomorrow, and Tomorrow, and Tomorrow One of the New York Times’s 100 Best Books of the 21st Century • Shortlisted for the International Booker Prize Cloud Atlas begins in 1850 with Adam Ewing, an American notary voyaging from the Chatham Isles to his home in California. Ewing is befriended by a physician, Dr. Goose, who begins to treat him for a rare species of brain parasite. The novel careens, with dazzling virtuosity, to Belgium in 1931, to the West Coast in the 1970s, to an inglorious present-day England, to a Korean superstate of the near future where neocapitalism has run amok, and, finally, to a postapocalyptic Iron Age Hawaii in the last days of history. But the story doesn’t end even there. The novel boomerangs back through centuries and space, returning by the same route, in reverse, to its starting point. Along the way, David Mitchell reveals how his disparate characters connect, how their fates intertwine, and how their souls drift across time like clouds across the sky. As wild as a video game, as mysterious as a Zen koan, Cloud Atlas is an unforgettable tour de force that, like its incomparable author, has transcended its cult classic status to become a worldwide phenomenon. |
A Summary of Your Rights Under the Fair Credit Reporting Act
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