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Debt 101 : from interest rates and credit scores to student loans and debt payoff strategies, an essential primer on managing debt / Michele Cagan, CPA.

by Cagan, Michele, author.

New York : Adams Media, 2020.

Subjects

Finance, Personal.

Debt.

Saving and investment.

ISBN:

9781507212660 (hardcover) :

1507212666 (hardcover) :

Series:

Adams 101.

Description:

254 pages, 8 unnumbered pages of plates : color illustrations ; 19 cm

Edition:

First Adams Media hardcover edition.

Contents:

Introduction -- Chapter 1. How loans work ; A brief history of debt -- Terms & conditions -- Amoritization -- Different types of debt -- Predatory lending -- Chapter 2. The right way to borrow money ; Borrowing versus debt -- Credit building comes first -- Assets versus expenses -- Making money on the deal -- Building a business -- Chapter 3. Student loans ; Minimize your college costs -- Filling out the FAFSA -- How student loans work -- Going deeper on federal loans -- Making the payments -- Consolidating and refinancing -- Chapter 4. Credit cards ; How credit cards work -- Different types of cards -- The costs of credit cards -- Use your credit card effectively -- Balance transfers -- Getting out of credit card debt -- Chapter 5. Mortgages ; Right-size your mortgage -- Save up for a substantial down payment -- Fixed versus ARM -- Thirty year versus fifteen year -- Find the best lender -- Refinancing and prepayments -- Chapter 6. Other types of debt ; Car loans -- HEL/HELOCS -- Personal loans -- Payday loans -- Medical debt -- Business loans -- Chapter 7. Paying off debt ; Prioritize your debt -- Effective paydown plans -- Get the right help -- Dealing with collections -- Understand bankruptcy -- Chapter 8. Living debt-free (doesn't mean no borrowing) ; Wealth building -- Faster retirement savings -- Maintain an excellent credit score -- Rewards cards/credit card advantages -- Investing (in properties, etc.) but not gambling (margin accounts) -- Chapter 9. The other side of debt/be the bank ; Investing in debt -- Buy bonds -- Mortgage reits -- Peer-to-peer lending -- Hard money lending (trust deed investing).

Requests:

Summary:

"The key to borrowing, managing, and paying off debt is understanding what it is, how it works and how it can affect your finances and your life. Debt 101 is the easy-to-follow guide to discovering how to pay off the debt you have plus learning how to use debt to your advantage. Debt 101 allows you to take control of your money with strategies best suited for your personal financial situation-whether you are buying a home or paying off student loans. You will learn the ins and outs of borrowing in a simple, straightforward manner, managing student loans and credit card debt, improving your credit score, understanding interest rates, good debt vs. bad debt, and so much more. Finally, you can get ahead of the incoming bills and never let your debt intimidate you again!"--

Copy/Holding information

Location	Collection	Call No.	Status	Due Date
Ewa Beach P/S Library	Adult Nonfiction	332.02402 Ca	Checked In		Add Copy to MyList
Hawaii Kai Public Library	Adult Nonfiction	332.02402 Ca	Checked In		Add Copy to MyList
Hawaii State Library	Business, Science & Technology	332.02402 Ca	Checked In		Add Copy to MyList
Hilo Public Library	Adult Nonfiction	332.02402 Cagan	Checked In		Add Copy to MyList
Kahuku P/S Library	Adult Nonfiction	332.02402 Ca	Checked In		Add Copy to MyList
Kailua Public Library	Adult Nonfiction	332.02402 Ca	Checked In		Add Copy to MyList
Kaimuki Public Library	Adult Nonfiction	332.02402 Ca	Checked In		Add Copy to MyList
Kalihi-Palama Public Library	Adult Nonfiction	332.02402 Ca	Checked In		Add Copy to MyList
Kapolei Public Library	Adult Nonfiction	332.02402 Ca	Checked In		Add Copy to MyList
Mililani Public Library	Adult Nonfiction	332.02402 Ca	Checked out	05/18/2024	Add Copy to MyList

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