This book addresses the very many considerations persons face in handling their income, savings, investing, borrowing, protecting against risks, and tax planning.

Somewhat surprisingly our educational system, at the high school level and beyond, rarely addresses this myriad of issues � both problems and opportunities -- that can be categorized as personal finances. Our schools lecture) ceaselessly about the challenges of drugs, sex, alcohol, smoking, social media and wellness -- and appropriately so, since young people are exposed to endless opportunities to make poor and harmful decisions regarding each of those matters.

But so also are adults at all ages � teenagers to senior citizens � confronted by a host of challenges and opportunities as to how to manage their personal finances -- from before they receive their first paychecks and continuing on through retirement and death. As we proceed through high school, college, and even graduate school, we may take courses in accounting, finance, economics, and taxation, all of which offer tidbits of advice on handling our personal finances, but none are comprehensive in addressing personal finance. This book seeks to fill that void.

This book addresses the very many considerations persons face in handling their income, savings, investing, borrowing, protecting against risks, and tax planning.

Somewhat surprisingly our educational system, at the high school level and beyond, rarely addresses this myriad of issues � both problems and opportunities -- that can be categorized as personal finances. Our schools lecture) ceaselessly about the challenges of drugs, sex, alcohol, smoking, social media and wellness -- and appropriately so, since young people are exposed to endless opportunities to make poor and harmful decisions regarding each of those matters.

But so also are adults at all ages � teenagers to senior citizens � confronted by a host of challenges and opportunities as to how to manage their personal finances -- from before they receive their first paychecks and continuing on through retirement and death. As we proceed through high school, college, and even graduate school, we may take courses in accounting, finance, economics, and taxation, all of which offer tidbits of advice on handling our personal finances, but none are comprehensive in addressing personal finance. This book seeks to fill that void.

This book addresses the very many considerations persons face in handling their income, savings, investing, borrowing, protecting against risks, and tax planning.

Somewhat surprisingly our educational system, at the high school level and beyond, rarely addresses this myriad of issues � both problems and opportunities -- that can be categorized as personal finances. Our schools lecture) ceaselessly about the challenges of drugs, sex, alcohol, smoking, social media and wellness -- and appropriately so, since young people are exposed to endless opportunities to make poor and harmful decisions regarding each of those matters.

But so also are adults at all ages � teenagers to senior citizens � confronted by a host of challenges and opportunities as to how to manage their personal finances -- from before they receive their first paychecks and continuing on through retirement and death. As we proceed through high school, college, and even graduate school, we may take courses in accounting, finance, economics, and taxation, all of which offer tidbits of advice on handling our personal finances, but none are comprehensive in addressing personal finance. This book seeks to fill that void.

Book objective: to prepare a program through which we can access solution for the financial problems, where this book discussions experiments of persons in the field of economic solidarity program in order to find solutions decreasing their financial problems, this book also contains some solutions that can used by businessmen to solve many of poverty and unemployment problems.

Book objective: to prepare a program through which we can access solution for the financial problems, where this book discussions experiments of persons in the field of economic solidarity program in order to find solutions decreasing their financial problems, this book also contains some solutions that can used by businessmen to solve many of poverty and unemployment problems.

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This book is intended to be utilized as if it were a coach guiding you through the maze of personal financial literacy options available. The romantic parallelism is intended as an extra point of reference. It is ironic that these are two elements of life, romance and finance, that virtually everyone will deal with at some point. Not only do they not have traditional means of practical education, they are almost taboo to talk about even in polite conversation. Too many of us learn about these two important elements of life in a haply, catch as one can type of way. Everyone has had some form of a love life or dreams of having one. Everyone desires to be at least financially stable if not rich. The hope of this book is to illustrate a relationship between love life and financial life so that the reader can be even more inspired to improve their financial literacy, and perhaps spice up their love life too. It is often misquoted in the Bible when people say �money is the root of all evil.� It actually states �the love of money.� We emphasize the difference between the love of money and the use of money as a tool. We don�t discount the importance of money in our everyday lives, therefore, the need for proper management of it, but we want everyone to understand the importance of other qualities in life such as character development, morality, and of course love. In other words, as important as money is, it is not everything. Money is a great tool, but a poor master. This book looks to change mindsets. We want to think that money is not the root of all evil . . . but living in poverty is evil when you can do better.

This book is intended to be utilized as if it were a coach guiding you through the maze of personal financial literacy options available. The romantic parallelism is intended as an extra point of reference. It is ironic that these are two elements of life, romance and finance, that virtually everyone will deal with at some point. Not only do they not have traditional means of practical education, they are almost taboo to talk about even in polite conversation. Too many of us learn about these two important elements of life in a haply, catch as one can type of way. Everyone has had some form of a love life or dreams of having one. Everyone desires to be at least financially stable if not rich. The hope of this book is to illustrate a relationship between love life and financial life so that the reader can be even more inspired to improve their financial literacy, and perhaps spice up their love life too. It is often misquoted in the Bible when people say �money is the root of all evil.� It actually states �the love of money.� We emphasize the difference between the love of money and the use of money as a tool. We don�t discount the importance of money in our everyday lives, therefore, the need for proper management of it, but we want everyone to understand the importance of other qualities in life such as character development, morality, and of course love. In other words, as important as money is, it is not everything. Money is a great tool, but a poor master. This book looks to change mindsets. We want to think that money is not the root of all evil . . . but living in poverty is evil when you can do better.

Navigating the Mortgage Modification Mess � A Cautionary Tale takes the reader on a serious, yet sarcastically humorous, trip through Federal and internal bank programs for modifying home mortgages. It represents a 3-year timeline of the author�s attempt to save part of the American Dream of home ownership. The process involved submitting, and often resubmitting, a large amount of paperwork to answer underwriter questions and justify a hardship request for mortgage modification. During the process, the author saved notes from phone conversations and copies of correspondence from financial institutions. This Cautionary Tale is a compilation of these communications that underlines the gross inefficiencies inherent to HAMP, HAFA, and other mortgage modification programs

With the current housing market, there are other people facing foreclosure and the need to modify existing mortgages. The author hopes the experiences described in this Cautionary Tale will help others avoid pitfalls as they try to navigate through the many available mortgage modification programs.

Navigating the Mortgage Modification Mess � A Cautionary Tale takes the reader on a serious, yet sarcastically humorous, trip through Federal and internal bank programs for modifying home mortgages. It represents a 3-year timeline of the author�s attempt to save part of the American Dream of home ownership. The process involved submitting, and often resubmitting, a large amount of paperwork to answer underwriter questions and justify a hardship request for mortgage modification. During the process, the author saved notes from phone conversations and copies of correspondence from financial institutions. This Cautionary Tale is a compilation of these communications that underlines the gross inefficiencies inherent to HAMP, HAFA, and other mortgage modification programs

With the current housing market, there are other people facing foreclosure and the need to modify existing mortgages. The author hopes the experiences described in this Cautionary Tale will help others avoid pitfalls as they try to navigate through the many available mortgage modification programs.

Like a lot of women of my generation, I was raised to be a wife and mother. That worked for me until I realized my husband was a jerk and I divorced him, until my father died and left us only gambling debts, until my mother and sister were killed in a plane crash. So there I was, 40 years old, close to broke, with two children, and no way of making a living. Fortunately, I was a natural as a financial adviser and broker. And as soon as I�d solved my own money problems, I turned my attention to helping other women become financially independent. Invest? Isn�t that� gambling? Not compared to betting everything you�ve got on a man! Investing isn�t rocket science. Once you've mastered some simple ideas --- spend less, save more, watch your credit card debt --- you�re likely to find you actually have money to invest. And that�s where this book can be your guide to sane, successful investing.

Like a lot of women of my generation, I was raised to be a wife and mother. That worked for me until I realized my husband was a jerk and I divorced him, until my father died and left us only gambling debts, until my mother and sister were killed in a plane crash. So there I was, 40 years old, close to broke, with two children, and no way of making a living. Fortunately, I was a natural as a financial adviser and broker. And as soon as I�d solved my own money problems, I turned my attention to helping other women become financially independent. Invest? Isn�t that� gambling? Not compared to betting everything you�ve got on a man! Investing isn�t rocket science. Once you've mastered some simple ideas --- spend less, save more, watch your credit card debt --- you�re likely to find you actually have money to invest. And that�s where this book can be your guide to sane, successful investing.

The way to financial independence is like building a house. You can�t build unless you have a solid foundation. You need to have the desire, the determination, and the goals to become self-sufficient. Be confident in yourself and be motivated. Let�s name some of the building materials that you will need: education, as much as you can get, and the learning process never stops. As I converse with people, I find myself saying, �I didn�t know that!� While learning how to manage your money, also pay off your debts. Have a budget and saving plan. Be disciplined in spending. Don�t be wasteful. Take time to get the best for your buck. Learn how to invest. Know what you are investing in and how it will make you money. Do not do risky investment, and do not gamble and be responsible. Learn everything that you can about finance and save, save, save.