Financial Fresh Start
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| Author | : Shari Olefson |
| Publisher | : AMACOM Div American Mgmt Assn |
| Total Pages | : 322 |
| Release | : 2013 |
| Genre | : Business & Economics |
| ISBN | : 0814432298 |
From depleted retirement accounts to underwater homes, it's been gloomy news for years. But the picture will get much brighter for those who take advantage of the laws and reforms enacted in the wake of the banking, real estate, and economic meltdown. The Dodd-Frank Act. The Making Home Affordable Program. The Consumer Financial Protection Bureau. These are just a few examples of the significant but little-understood changes that offer people an unprecedented chance to set things right with their credit, savings and investments, employment, housing, retirement and more. Financial Fresh Start explains it all-simplifying the complicated reforms and motivating readers to shake off their malaise and radically improve their long-term financial prospects. Written by a dynamic author with a unique blend of legal, financial, and real estate expertise, the book's big-picture lens spans the spectrum of money matters, and delivers clear, actionable answers to questions such as: * How can you repair your credit quickly and avoid high finance costs? * What are the safest places for saving and investing? * Can you legally avoid repaying what you owe? * Will your home ever be worth what you paid for it? * Is there life after foreclosure? * Are you missing out on programs that can put money in your pockets? * Is it possible to make up for recent losses and still retire on time? * And more Big corporations and the mega-wealthy have professionals to keep them abreast of the latest regulations. Now, everyday people can learn what the new rules really mean to them with the expert guidance and practical solutions in Financial Fresh Start.
| Author | : Shari Olefson |
| Publisher | : AMACOM |
| Total Pages | : 322 |
| Release | : 2013-02-20 |
| Genre | : Business & Economics |
| ISBN | : 0814432301 |
Financial Fresh Start sifts through the jargon of significant but little-understood changes to the US financial landscape--including the Dodd-Frank Act, the Making Home Affordable program, and the Consumer Financial Protection Bureau--to shed light on financial reforms and, ultimately, help you reach your financial goals. By taking a big-picture lens to a wide spectrum of money matters, the book provides answers to questions such as: How can you repair your credit quickly and avoid high costs? What are the safest places for saving and investing? Can you legally avoid repaying what you owe? Will your home ever be worth what you paid for it? Is there life after foreclosure? Are you missing out on programs that can put money in your pockets? And is it possible to make up for recent losses and still retire on time? By learning all this and more, and by gaining a deeper understanding of what the new rules and reforms really mean, readers will find the motivation to shake off their malaise and make significant financial changes. Through the application of Shari Olefson’s sound legal, financial, and real estate expertise, those changes will not only result in positive financial decisions--they’ll lead to greater financial freedom.Your credit, savings, employment benefits, real estate value, and investments can be complex and confusing. But successful navigation of financial systems isn’t just for major corporations and the mega-wealthy whose professionals keep them abreast of significant changes. The expert guidance and practical solutions found in Financial Fresh Start offer readers an unprecedented opportunity to right their finances today and improve their outlook for the future.
| Author | : Deborah Levine Herman |
| Publisher | : John Wiley & Sons |
| Total Pages | : 224 |
| Release | : 2003-10-21 |
| Genre | : Business & Economics |
| ISBN | : 0471473618 |
Don't get down, get started instead-with Fresh StartBankruptcy Well over a million Americans suffer the trauma of bankruptcy everyyear. But many don't know that bankruptcy may be the idealopportunity to rein in their out-of-control finances, get back ontheir feet, and start over anew. Fresh Start Bankruptcy is a friendly and non-intimidating guidethat walks you step by step through the filing process and providesthe sympathetic, expert advice you need to survive the ordeal.Attorneys Deborah Herman and Robin Bodiford provide the informedperspective that makes tough decisions simple. They'll help youdecide whether you should retain legal counsel or move forward onyour own. And if you do decide to go it alone, you'll find all theprofessional advice you need to make the process as quick andpainless as possible. You'll learn which chapter to file and how todo it, how to protect your assets and deal with creditors, how torepair your credit, and how to navigate bankruptcy court. Personal anecdotes included in the book prove that people of allwalks of life have gone through the process and come out strongerthan before-- and you can too! So, no matter how your financialtroubles came about, stop worrying and start over with the positiveoutlook and thoughtful guidance you'll find only in Fresh StartBankruptcy.
| Author | : Rita Williams Green |
| Publisher | : |
| Total Pages | : |
| Release | : 2012 |
| Genre | : |
| ISBN | : |
Doctors diagnose conditions using results from tests, questionnaires patients fill out, and the information they learn from conversations with patients. All of this information is used to prescribe the best course of action to make the patient well. This qualitative research study uses a similar approach to address the primary research question: How can the financial wellness conceptual model be used to provide insight about the financial condition of married couples filing Chapter 13? The financial wellness conceptual framework is used to determine each couple's financial status as well as assess financial satisfaction, perception, and behavior. Case studies were prepared for three married couples filing Chapter 13 who completed surveys and consented to be interviewed as they waited for their creditor meetings at bankruptcy court in Memphis, Tennessee. Interviews were audio recorded and transcribed. Data were coded and classified based on the focal points of the study, which include objective status, financial behavior, satisfaction/dissatisfaction, and perception constructs. Categories were used to inductively evaluate the financial condition of the couple, based on guidelines for each construct. Data from surveys, bankruptcy records, and interviews, conducted separately with husband and wife, were used to prepare case studies that examine financial condition from the perspective of consumers, using the financial wellness conceptual model. Within the scope of the financial wellness framework, findings indicated that couples in bankruptcy have insolvent households, suffer from low satisfaction, exhibit a perceived internal or external locus of control, and engage in behavior that reflects strong cultural influences. These findings are particularly relevant in the current recessionary economy as many Americans face imminent financial failure. The financial wellness conceptual model has great potential as a tool to facilitate bankruptcy's fresh start because of its comprehensive nature since it includes both subjective and objective constructs. The purpose of bankruptcy is to give consumers a financial fresh start. However, financial relief without a tool to facilitate the fresh start in a way that makes it sustainable over time is insufficient. The financial wellness conceptual framework has great potential as a tool that can be used to help consumers achieve long-term financial wellness.
| Author | : Karen Blumenthal |
| Publisher | : Crown Currency |
| Total Pages | : 210 |
| Release | : 2011-12-20 |
| Genre | : Business & Economics |
| ISBN | : 0307588742 |
Three years after the economic meltdown began, many of us are still reeling from its devastating effects. Maybe you're among the millions of homeowners who fell behind on their mortgages or you lost your home to foreclosure. Maybe you lost your job and have struggled to find a new one, meanwhile struggling with a drastically reduced income. Or perhaps you're one of the roughly 1.5 million Americans filing each year for bankruptcy. Or maybe you emerged from the meltdown relatively unscathed, but you've been recently divorced or widowed. Now, along with all the other accompanying emotional hardships, you must deal with a household budget that is dramatically changed. Maybe you experienced an unexpected health crisis that drained your savings or retirement account. Or perhaps you've simply grown tired of having so much debt. As tough as these situations are, they aren’t hopeless.. You have options. When the old \ rules for managing your finances no longer apply, you can take control of your situation, wipe the slate clean, and start over. Here, in the accessible, empathetic, and easy-to-understand style the Wall Street Journal Guidebook series is known for, veteran WSJ personal finance reporter Karen Blumenthal walks you through everything you need to know to leave the past behind you and get your financial life back on track. This includes how to: -Build a trusted team of professionals to help you navigate your new financial landscape -Get your credit record - the support beam of your financial scaffolding - back in order -Recalibrate your budget and weigh your big ticket expenses -Determine whether you can afford to stay in your home -Adjust your debts to your new situation -Assess your health coverage and other necessary insurance -Invest for your future retirement and other needs -Craft a sustainable plan for long-term financial health Whether you're recently divorced or widowed, or have declared bankruptcy or lost your home to foreclosure, or simply want to start with a clean slate, you can make a fresh financial start. Covering housing, insurance, health care, investing, debt, taxes, wills, and more, this book shows readers at all life stages and income levels how to adapt and adjust their finances to their new circumstances and get on the path to a better financial life.
| Author | : Suze Orman |
| Publisher | : Hay House, Inc |
| Total Pages | : 321 |
| Release | : 2020-02-25 |
| Genre | : Business & Economics |
| ISBN | : 1401959938 |
The instant NEW YORK TIMES BESTSELLER WALL STREET JOURNAL BESTSELLER PUBLISHERS WEEKLY BESTSELLER USA TODAY BESTSELLER #1 PERSONAL FINANCE EXPERT Revised & Updated for 2023 THE PATH TO YOUR ULTIMATE RETIREMENT STARTS RIGHT HERE! Retirement today is more complex than ever before. It is most definitely not your parents' retirement. You will have to make decisions that weren't even part of the picture a generation ago. Without a clear-cut path to manage the money you’ve saved, you may feel like you're all on your own. Except you're not—because Suze Orman has your back. Suze is America's most recognized personal finance expert for a reason. She's been dispensing actionable advice for years to people seeking financial security. Now, in this revised and updated Ultimate Retirement Guide for 50+, which reflects recent changes in retirement rules passed by Congress, Suze gives you the no-nonsense advice and practical tools you need to plan wisely for your retirement in today's ever-changing landscape. You'll find new rules for downsizing, spending wisely, delaying Social Security benefits, and more—starting where you are right now. Suze knows money decisions are never just about money. She understands your hopes, your fears, your wishes, and your desires for your own life as well as for your loved ones. She will guide you on how to let go of regret and fear, and with her unparalleled knowledge and unique empathy, she will reveal practical and personal steps so you can always live your Ultimate Retirement life. "I wrote this book for you," Suze says. "The worried, the fearful, the anxious. I know you need help navigating the road ahead. I've helped steer people toward happy and secure retirements my whole life, and that's exactly what I want to do for you."
| Author | : Elizabeth Warren |
| Publisher | : Simon and Schuster |
| Total Pages | : 304 |
| Release | : 2006-01-09 |
| Genre | : Business & Economics |
| ISBN | : 0743269888 |
The bestselling mother/daughter coauthors of "The Two-Income Trap" now pen an essential guide to the five simple keys to lasting financial peace.
| Author | : Reuven Lehavy |
| Publisher | : |
| Total Pages | : |
| Release | : 2002 |
| Genre | : |
| ISBN | : |
This study examines the reliability of the financial statements of 72 firms that adopted fresh start reporting upon their emergence from Chapter 11 bankruptcy protection. The study focuses on the reliability of the fair value estimate of equity recorded upon the adoption of fresh start reporting. I test whether managements strategically choose the fresh start equity value in order to gain acceptance for their reorganization plans and to enhance post-bankruptcy reported performance. Results of multivariate analyses indicate that the overstatement in the fresh start equity value (over and above market value of equity immediately after emergence from Chapter 11) is increasing in the: (i)complexity of the bankruptcy negotiations, (ii) probability of post-emergence financial distress, (ii) percentage ownership of former creditors in the reorganized entity, and (iv) CEO turnover; I also find that prepackaged bankruptcies emerge with a greater understatement in the fresh start equity value relative to non-prepackaged cases.
| Author | : John Siebeling |
| Publisher | : |
| Total Pages | : 138 |
| Release | : 2021-09 |
| Genre | : |
| ISBN | : 9781956383034 |
If you've ever worried about money, you are not alone. For most people, worry and finances are tied up together, but it doesn't have to be that way. It's not about making more money but rather about three simple, biblical steps that apply to all of us, no matter our income. This book will unpack the principles that allow you to lay a strong financial foundation, manage your resources wisely, and receive the blessings that come with living a generous, open-handed life.
| Author | : Ginger Applegarth |
| Publisher | : Viking Adult |
| Total Pages | : 0 |
| Release | : 1999 |
| Genre | : Finance, Personal |
| ISBN | : 9780670873975 |
Offers a practical guide to personal finance, sharing advice on setting the stage for financial security regardless of one's time in life.
