By Suze Orman

ISBN-10: 0385530935

ISBN-13: 9780385530934

2009: The yr You Can’t find the money for to Make Any errors along with your Money.The credits crunch, the inventory marketplace freefall, the dazzling toll of domestic foreclosure and task losses: the commercial trouble that struck in 2008 has left nobody untouched and everyone reeling. probably in a single day, the monetary panorama has gone through seismic adjustments that all of sudden have you ever asking all types of questions: Are your rate reductions secure? if you proceed to speculate on your retirement account? when you retain your house if it’s worthy lower than what you owe or in case you promote it? How do you pay your money owed if you’ve simply been laid off?The nation’s go-to professional on monetary issues, Suze Orman, believes that 2009 is a serious 12 months on your funds. There are safeguards to install position, activities to take, high priced error to prevent, or even possibilities on hand, so you are secure throughout the undesirable occasions and ready to prosper while issues take a flip for the higher. it doesn't matter what state of affairs you’re in, you will discover a course of action and the solutions in your questions about:* credits * Retirement*Savings and Spending*Real Estate*Paying for faculty* preserving Your FamilySUZE ORMAN’S 2009 motion PLAN gives you sincere, easy guidance—what to do, while to do it, and the way to do it—as in basic terms Suze Orman can.

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Additional info for Suze Orman's 2009 Action Plan: Keeping Your Money Safe & Sound

Sample text

If you keep spending like crazy on the kids because, well, they expect you to, even though you have unpaid bills, that’s a huge slice of dishonesty. If you are tapping your home equity to pay for vacations you can’t really afford, you are cheating yourself out of fi nancial security. The lies need to stop. Just think about where all this dishonesty leaves you. In credit card debt. Without a savings safety net if something goes wrong. With no security. You know that I have never thought this behavior made any sense.

SITUATION: You keep getting calls saying that you owe money on a credit card, but you have no idea what the collection agency is talking about. ACTION: First of all, verify the debt. Debt collection agencies can pursue old debts that have never been paid off, hoping you will pay money to stop the calls. But plenty of times the debts are false— the result of identity theft, clerical errors, or credit reports that have not been updated. Sometimes a debt is so old it’s passed the time period when a debt collector could legally sue to collect (see below).

If you don’t have that money, you aren’t likely to be offered a sett lement deal. SITUATION: You wonder if negotiating a settlement will hurt your FICO credit score. ACTION: If you don’t want your FICO score to go down, do not ask for a sett lement. A sett lement means you failed to live up to your obligation to pay the full amount of debt you were responsible for. It will indeed have a negative impact on your credit score. indd 33 12/3/08 9:31:03 AM 34 SUZE ORMAN’S 2009 ACTION PL AN suffered a job loss or medical catastrophe, and the outstanding debt isn’t huge—you may be able to convince the card issuer not to report the settlement.

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Suze Orman's 2009 Action Plan: Keeping Your Money Safe & Sound by Suze Orman


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