Color My Credit

Color My Credit
Author: Alisa Glutz
Publisher: Color My Credit
Total Pages:
Release: 2016-09-28
Genre:
ISBN: 9780692783528

Personal finance, money management, business & economics, credit reports, FICO scores, the cost of credit... each impacts our lifestyle and financial decisions, yet far too few Americans are aware of little-known secrets to our credit scoring system. Even fewer adults know it is easier than they imagine to effectively re-build credit, quickly and without a lot of pain-with the right help. Expert Alisa Glutz has a proven method to "color" credit; she is passionate to create a movement where people everywhere can take advantage of a fun, but effective approach, to repair bad credit that stems from life events such as identity theft, bankruptcies, personal financial upsets, and myriad unknowns that negatively impact vital financial opportunities. If you have ever wondered any of those things, then don't worry; you have come to the right place. Color My Credit will answer all your questions-and even some you don't know to ask! Her new release, Color My Credit, is designed to enlighten readers; compiled with tips, insider secrets, and advice and action steps to help you repair your credit quickly and easily. It is the ultimate guide for readers drowning in the despair of bad credit. It is designed to remove the guilt and trauma associated with limited choices based on low credit scores, and transform your life forever. Glutz helps you make course corrections in spending, credit errors, debt ratios, etc.-all of which can ultimately help you save thousands of dollars in interest paid, interest rates, and myriad other financial choices that are all predicated by your credit score. Awareness equals choices. The information in Color My Credit is timely; we are coming out of a long seven-year stretch where people had little opportunity to modify their damaged scores. The author is bold in her assertions of what can happen next for you, if you but step into the arena, learn the credit laws that both protect and impact you, and take advantage of the changing tides that are occurring now. In addition to the print version of the book, readers are encouraged to download a complimentary workbook that includes sample credit reports, forms, templates, letter samples, and other helpful tools to participate in this great Color My Credit Movement! This book is for you... if you have mediocre to downright bad credit-or, like many consumers-have no idea what is on your credit report because you are too afraid to look. It is for you if you want to better manage your credit to take advantage of better employment, reduced insurance costs, better pricing on banking and mortgage loans and more. This book is for you... if you have only an inkling of how the role credit plays in your financial life. Improved credit scores can open the doors for the best of everything financial. Color My Credit helps you put together and action plan not only for boosting your credit score, but learning exactly what steps are necessary to maintain it. The author answers many critical questions, such as how to request credit reports from the three nationwide reporting agencies, understanding why your score is low, and how to quickly recolor your credit score (FICO) picture! ADVANCE PRAISE Credit... A subject we all know is important, but let's face it, how many of us actually want to know about and /or take the time to improve our credit score? Color My Credit by Alisa Glutz, lets us know that it can be done, one just needs to begin, take things step by step as outlined in her book and big things can and will happen. Whether it just be making a marked improvement in one's score all the way up to buying that dream home. The relationship of credit to one's overall, ongoing financial plan is so important. What's comforting is knowing that there is someone like Alisa that has the unique combination of knowledge, know-how, and desire to help others. Matthew C. Munn Registered Investment Advisor First Financial Equity Corporation

The Black Book of Colors

The Black Book of Colors
Author: Menena Cottin
Publisher: Groundwood Books Ltd
Total Pages: 34
Release: 2008
Genre: Juvenile Nonfiction
ISBN:

In a story where the text appears in white letters on a black background, as well as in braille, and the illustrations are also raised on a black surface, Thomas describes how he recognizes different colors using various senses.

Your Score

Your Score
Author: Anthony Davenport
Publisher: Houghton Mifflin Harcourt
Total Pages: 225
Release: 2018
Genre: Business & Economics
ISBN: 1328695271

A road map for how to navigate the confusing, secretive world of consumer credit, and how to upgrade and correct your score.

Credit Where It's Due

Credit Where It's Due
Author: Frederick F. Wherry
Publisher: Russell Sage Foundation
Total Pages: 176
Release: 2019-04-26
Genre: Social Science
ISBN: 1610448847

An estimated 45 million adults in the U.S. lack a credit score at time when credit invisibility can reduce one’s ability to rent a home, find employment, or secure a mortgage or loan. As a result, individuals without credit—who are disproportionately African American and Latino—often lead separate and unequal financial lives. Yet, as sociologists and public policy experts Frederick Wherry, Kristin Seefeldt, and Anthony Alvarez argue, many people who are not recognized within the financial system engage in behaviors that indicate their credit worthiness. How might institutions acknowledge these practices and help these people emerge from the financial shadows? In Credit Where It’s Due, the authors evaluate an innovative model of credit-building and advocate for a new understanding of financial citizenship, or participation in a financial system that fosters social belonging, dignity, and respect. Wherry, Seefeldt, and Alvarez tell the story of the Mission Asset Fund, a San Francisco-based organization that assists mostly low- and moderate-income people of color with building credit. The Mission Asset Fund facilitates zero-interest lending circles, which have been practiced by generations of immigrants, but have gone largely unrecognized by mainstream financial institutions. Participants decide how the circles are run and how they will use their loans, and the organization reports their clients’ lending activity to credit bureaus. As the authors show, this system not only helps clients build credit, but also allows them to manage debt with dignity, have some say in the creation of financial products, and reaffirm their sense of social membership. The authors delve into the history of racial wealth inequality in the U.S. to show that for many black and Latino households, credit invisibility is not simply a matter of individual choices or inadequate financial education. Rather, financial marginalization is the result of historical policies that enabled predatory lending, discriminatory banking and housing practices, and the rollback of regulatory protections for first-time homeowners. To rectify these inequalities, the authors propose common sense regulations to protect consumers from abuse alongside new initiatives that provide seed capital for every child, create affordable short-term loans, and ensure that financial institutions treat low- and moderate-income clients with equal respect. By situating the successes of the Mission Asset Fund in the larger history of credit and debt, Credit Where It’s Due shows how to prioritize financial citizenship for all.

More Than Peach (Bellen Woodard Original Picture Book)

More Than Peach (Bellen Woodard Original Picture Book)
Author: Bellen Woodard
Publisher: Scholastic Inc.
Total Pages: 45
Release: 2022-07-26
Genre: Juvenile Fiction
ISBN: 1338840460

Penned by the very first Crayon Activist, Bellen Woodard, this picture book will tug at readers' heartstrings and inspire them to make a difference! When Bellen Woodard’s classmates referred to "the skin-color” crayon, in a school and classroom she had always loved, she knew just how important it was that everyone understood that “skin can be any number of beautiful colors.” This stunning picture book spreads Bellen’s message of inclusivity, empowerment, and the importance of inspiring the next generation of leaders. Bellen created the More Than Peach Project and crayons with every single kid in mind to transform the crayon industry and grow the way we see our world. And Bellen has done just that! This moving book includes back matter about becoming a leader and improving your community just like Bellen. Her wisdom and self- confidence are sure to encourage any young reader looking to use their voice to make even great spaces better!

Color Me Calm

Color Me Calm
Author: Lacy Mucklow
Publisher:
Total Pages: 211
Release: 2014-10-27
Genre: Art
ISBN: 1937994775

Portable art-therapy for the over-worked and over-stimulated adult - Color Me Calm offers 100 coloring templates for grown-ups looking to calm down and relax in a demanding digital age.

The 21-Day Financial Fast

The 21-Day Financial Fast
Author: Michelle Singletary
Publisher: Zondervan
Total Pages: 257
Release: 2014-01-07
Genre: Business & Economics
ISBN: 0310338468

Whether you're living paycheck to paycheck or just trying to make smarter financial choices, let award-winning writer and Washington Post columnist Michelle Singletary show you the practical steps you need to take for the financial peace you long for. In The 21-Day Financial Fast, Michelle proposes a field-tested financial challenge: for twenty-one days, put away your credit cards and buy only the barest essentials. What happens next will forever change the way you think about wealth. With Michelle's guidance, you'll discover how to: Break bad spending habits Plot a course to become debt-free with the Debt Dash Plan Avoid the temptation of overspending for college Learn how to prepare elderly relatives and yourself for future long-term care expenses Be prepared for any contingency with a Life Happens Fund Stop worrying about money and find the priceless power of financial peace Join the thousands of others who have already discovered practical ways to achieve financial freedom and experience what it truly means to live a life of financial peace and prosperity.

The Color of Money

The Color of Money
Author: Mehrsa Baradaran
Publisher: Harvard University Press
Total Pages: 382
Release: 2017-09-14
Genre: Business & Economics
ISBN: 0674982304

“Read this book. It explains so much about the moment...Beautiful, heartbreaking work.” —Ta-Nehisi Coates “A deep accounting of how America got to a point where a median white family has 13 times more wealth than the median black family.” —The Atlantic “Extraordinary...Baradaran focuses on a part of the American story that’s often ignored: the way African Americans were locked out of the financial engines that create wealth in America.” —Ezra Klein When the Emancipation Proclamation was signed in 1863, the black community owned less than 1 percent of the total wealth in America. More than 150 years later, that number has barely budged. The Color of Money seeks to explain the stubborn persistence of this racial wealth gap by focusing on the generators of wealth in the black community: black banks. With the civil rights movement in full swing, President Nixon promoted “black capitalism,” a plan to support black banks and minority-owned businesses. But the catch-22 of black banking is that the very institutions needed to help communities escape the deep poverty caused by discrimination and segregation inevitably became victims of that same poverty. In this timely and eye-opening account, Baradaran challenges the long-standing belief that black communities could ever really hope to accumulate wealth in a segregated economy. “Black capitalism has not improved the economic lives of black people, and Baradaran deftly explains the reasons why.” —Los Angeles Review of Books “A must read for anyone interested in closing America’s racial wealth gap.” —Black Perspectives

A-Z Credit Terms Coloring Book

A-Z Credit Terms Coloring Book
Author: Color Knowledge
Publisher:
Total Pages: 28
Release: 2021-11-19
Genre:
ISBN:

Learn Credit Terms with the Best A-Z Credit Terms Coloring Book! This high-quality coloring book is a perfect place to start learning credit terminology! It comes in the size of 8.5" x 11"". Perfect for those who want to learn credit terminology. Perfect for parents who want to teach their kids about credit, while doing a bonding activity together. Perfect for those who LOVE to color! What's in the Coloring Book: Graphics on cream pages 28 pages High quality glossy cover Perfect pages to color on A-Z Credit Terms Coloring Book is great for: Gifts, presents, and gift baskets People who want to learn credit terms People who love to color People who tend to forget things and need a reference People who want to teach their children credit terms WELCOME TO YOUR NEW CREDIT TERMS COLORING BOOK!!

Privacy

Privacy
Author: Eric Barendt
Publisher: Routledge
Total Pages: 741
Release: 2017-09-08
Genre: Law
ISBN: 1351908804

Privacy is a complex and controversial right. The essays in this book address fundamental issues about its value and how best it may be defined. Some of them examine its importance and scope in the context of the information society in which both government and business acquire ever more knowledge about the conduct and attitudes of individuals. Others address the use of privacy to protect the rights of women and to protect individuals against the media.