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Informationen zum Autor ANTHONY MANGANIELLO is founder and creator of DebtFREE.com and President and CEO of Centricity, Inc. He is regarded as one of the foremost experts on the impact debt-elimination services can have on a consumer's credit. Currently, he serves as a member of the Advisory Board of the United States Organization for Bankruptcy Alternatives and attends meetings with government officials providing testimony regarding the needs consumers face in today's economically challenging times. Klappentext A timely book containing the tools to get out of debt and improve overall creditThe current economic climate has become increasingly volatile for the average American. As bankruptcy and foreclosure rates increase, more and more people are finding themselves with bad credit. The Debt-Free Millionaire offers a plan for anyone who has had difficulty managing credit. This book is based on cash flow analysis, a unique program offered by author Tony Manganiello. The book explains the basics of budgeting (cash flow) along with credit basics including credit score, credit history, and outstanding loans. Using this knowledge as a base, it will show people how they can take charge of their credit to insure a lifetime of debt-free money management and financial success. Some of the topics touched upon by Manganiello include: cash-flow analysis, credit counseling, bankruptcy, debt settlement, the Fair Credit Reporting Act, credit reports, and consumer credit rights in all states. With this book as their guide, readers will develop a better understanding of credit and use that knowledge to create a permanent solution to their debt problems.Tony Manganiello (Dubuque, IA) is President and CEO of DebtFREE.com, Debt-FREE & Prosperous Living, Inc., and Tower Financial Corporation. He is regarded as one of the foremost experts on the impact debt-elimination services can have on a consumer's credit. Currently, he serves as a member of the Advisory Board of the United States Organization for Bankruptcy Alternatives and attends meeting with government officials providing testimony regarding the needs consumers face in today's economically challenging times. Zusammenfassung A timely book containing the tools to get out of debt and improve overall credit The current economic climate has become increasingly volatile for the average American. As bankruptcy and foreclosure rates increase, more and more people are finding themselves with bad credit. Inhaltsverzeichnis Foreword ix Acknowledgments xiii Introduction: Setting the Stage 1 Step 1: Understanding Debt and Credit Chapter 1 What Is Debt? 19 Chapter 2 What Is Credit? 33 Step 2: Identifying Where You Are so You Can Determine How to Get to Where You Want to Go Chapter 3 The Cash-FLOW Analysis and Why You Need One 53 Chapter 4 Doing Your Own Cash-FLOW Analysis 71 Chapter 5 Inside the Numbers: Different Categories of CFI 85 Step 3: Using the Results from Step 2 to Chart Your Course toward Becoming a Debt-FREE Millionaire Chapter 6 A Little Deeper Inside the Numbers: Potential Credit Impact of Adequate to Healthy CFI 95 Chapter 7 A Little Deeper Inside the Numbers: When Your CFI Requires Mortgage Restructuring 109 Chapter 8 A Little Deeper Inside the Numbers: When Your CFI Requires Debt Management 123 Chapter 9 A Little Deeper Inside the Numbers: When Your CFI Requires Debt Settlement 137 Chapter 10 A Little Deeper Inside the Numbers: When Your CFI Requires Bankruptcy 153 Step 4: Identifying and Defining Your Retirement Needs, and Creating a Time Line toward Achieving Them Chapter 11 Accumulating Wealth and Retiring Rich 169 Chapter 12 It Takes Money to Make Money: Accumulating and Living Off Your Wealth 181 Step 5: Letting It All Sink In Chapter 13 Change Is a Comin...
