Product DescriptionIn Extra Credit: The 7 things every college student needs to know about credit, debt & ca$h. You’ll learn how credit card companies “trick” you into playing their game by their rules and why it’s not your fault that you can’t beat them. . . at least until now. Extra Credit is the book that every college student and high school senior should be armed with as they are about to be assaulted by 50 credit card solicitations each semester. Extra Credit should be a mandatory book for all incoming freshman. You will be able to get your first credit card and use your debit card on your own, but nobody taught you how to use them, when to use them, how to balance your account, or how to tell if you are getting ripped off. You’ll discover everything that credit card companies don’t want you to know and more! – What’s the difference between a credit card and debit card? – What are the top 10 tricks used by credit card companies? – How do credit card companies market to college students? – How do I know when to use a credit card, when to use my debit card or when to use cash? – How do I get out of debt? – and much, much more. . .

Extra Credit: The 7 Things Every College Student Needs to Know About Credit, Debt & Ca$h

Product Description Everyone wonders at one time or another what goes on behind the glass doors and brass plaques down at the bank. How do they make all those obscene profits? Well, not that a spy was planted or anything, but here in tales of extreme credit ‘silliness’ and personal “Debt Hell,” everyone can relate to the author’s personal voyage into retail temptation, slide into too much debt, then personal bankruptcy. It is here in the process of coming back to financial respectability, that he reveals what he believes are the 7 Secrets that will add more to YOUR, not the banker’s bottom line! Here is a cautionary tale and a good amount of research and experience that will show young & old: • The tips, tricks, and secrets banks and advertising executives use to get you to (unfairly) part with your hard-earned money! • How even small numbers of credit lines can grow like ‘crazy’ to become a “Gorilla” on your financial back and what you can do to avoid them! • What some modern day banking fees and financial corporate debt resellers can do to drain your accounts, tie up your retirement savings plans, children’s college funds, and keep you ‘enslaved’ to your boss! • What the danger signs of “Bankruptcy Road” are, and the credit repair ‘scams’ you need to avoid • What is the psychological ‘babble’ that financiers use to make you feel that you need them and not the other way around when you need some money? • How to use 10 inspiring ways to credit, not debit your accounts! • Multiple methods to improve your privacy, protect your banking information, and guard against IDENTITY THEFT, the criminal scourge of our times! • And much, much more! So if you have ever wondered… “Why can I not GET more, and KEEP more money in my bank accounts?”or…“WHAT is it that Bankers and other financially successful people know that I don’t that keeps me POOR and constantly juggling, while others thrive?” …then this book is for you!

7 Little Known Secrets the Banker Won’t Tell You! How to Avoid Too Much Credit, Debt, & “Bankruptcy Road”

Product Description Everyone wonders at one time or another what goes on behind the glass doors and brass plaques down at the bank. How do they make all those obscene profits? Well, not that a spy was planted or anything, but here in tales of extreme credit ‘silliness’ and personal “Debt Hell,” everyone can relate to the author’s personal voyage into retail temptation, slide into too much debt, then personal bankruptcy. It is here in the process of coming back to financial respectability, that he reveals what he believes are the 7 Secrets that will add more to YOUR, not the banker’s bottom line! Here is a cautionary tale and a good amount of research and experience that will show young & old: • The tips, tricks, and secrets banks and advertising executives use to get you to (unfairly) part with your hard-earned money! • How even small numbers of credit lines can grow like ‘crazy’ to become a “Gorilla” on your financial back and what you can do to avoid them! • What some modern day banking fees and financial corporate debt resellers can do to drain your accounts, tie up your retirement savings plans, children’s college funds, and keep you ‘enslaved’ to your boss! • What the danger signs of “Bankruptcy Road” are, and the credit repair ‘scams’ you need to avoid • What is the psychological ‘babble’ that financiers use to make you feel that you need them and not the other way around when you need some money? • How to use 10 inspiring ways to credit, not debit your accounts! • Multiple methods to improve your privacy, protect your banking information, and guard against IDENTITY THEFT, the criminal scourge of our times! • And much, much more! So if you have ever wondered… “Why can I not GET more, and KEEP more money in my bank accounts?”or…“WHAT is it that Bankers and other financially successful people know that I don’t that keeps me POOR and constantly juggling, while others thrive?” …then this book is for you!

7 Little Known Secrets the Banker Won’t Tell You! How to Avoid Too Much Credit, Debt, & “Bankruptcy Road”

Product DescriptionIn Extra Credit: The 7 things every college student needs to know about credit, debt & ca$h. You’ll learn how credit card companies “trick” you into playing their game by their rules and why it’s not your fault that you can’t beat them. . . at least until now. Extra Credit is the book that every college student and high school senior should be armed with as they are about to be assaulted by 50 credit card solicitations each semester. Extra Credit should be a mandatory book for all incoming freshman. You will be able to get your first credit card and use your debit card on your own, but nobody taught you how to use them, when to use them, how to balance your account, or how to tell if you are getting ripped off. You’ll discover everything that credit card companies don’t want you to know and more! – What’s the difference between a credit card and debit card? – What are the top 10 tricks used by credit card companies? – How do credit card companies market to college students? – How do I know when to use a credit card, when to use my debit card or when to use cash? – How do I get out of debt? – and much, much more. . .

Extra Credit: The 7 Things Every College Student Needs to Know About Credit, Debt & Ca$h

Product DescriptionIn Extra Credit: The 7 things every college student needs to know about credit, debt & ca$h. You’ll learn how credit card companies “trick” you into playing their game by their rules and why it’s not your fault that you can’t beat them. . . at least until now. Extra Credit is the book that every college student and high school senior should be armed with as they are about to be assaulted by 50 credit card solicitations each semester. Extra Credit should be a mandatory book for all incoming freshman. You will be able to get your first credit card and use your debit card on your own, but nobody taught you how to use them, when to use them, how to balance your account, or how to tell if you are getting ripped off. You’ll discover everything that credit card companies don’t want you to know and more! – What’s the difference between a credit card and debit card? – What are the top 10 tricks used by credit card companies? – How do credit card companies market to college students? – How do I know when to use a credit card, when to use my debit card or when to use cash? – How do I get out of debt? – and much, much more. . .

Extra Credit: The 7 Things Every College Student Needs to Know About Credit, Debt & Ca$h

Product DescriptionWhy are credit records important? How can a family determine its debt limit? How much should an individual spend on a home? Readers of this instructive guide will find answers to these questions as well as other valuable information on managing credit and breaking the cycle of debt. In simple language addressed to the individual consumer, David Scott explains • how interest rates are calculated • how to choose a credit card • the various types of car loans • what to consider when financing the purchase of a home • how to negotiate with creditors

David Scott’s Guide to Managing Credit and Debt

Product DescriptionIn Extra Credit: The 7 things every college student needs to know about credit, debt & ca$h. You’ll learn how credit card companies “trick” you into playing their game by their rules and why it’s not your fault that you can’t beat them. . . at least until now. Extra Credit is the book that every college student and high school senior should be armed with as they are about to be assaulted by 50 credit card solicitations each semester. Extra Credit should be a mandatory book for all incoming freshman. You will be able to get your first credit card and use your debit card on your own, but nobody taught you how to use them, when to use them, how to balance your account, or how to tell if you are getting ripped off. You’ll discover everything that credit card companies don’t want you to know and more! – What’s the difference between a credit card and debit card? – What are the top 10 tricks used by credit card companies? – How do credit card companies market to college students? – How do I know when to use a credit card, when to use my debit card or when to use cash? – How do I get out of debt? – and much, much more. . .

Extra Credit: The 7 Things Every College Student Needs to Know About Credit, Debt & Ca$h

Product Description Everyone wonders at one time or another what goes on behind the glass doors and brass plaques down at the bank. How do they make all those obscene profits? Well, not that a spy was planted or anything, but here in tales of extreme credit ‘silliness’ and personal “Debt Hell,” everyone can relate to the author’s personal voyage into retail temptation, slide into too much debt, then personal bankruptcy. It is here in the process of coming back to financial respectability, that he reveals what he believes are the 7 Secrets that will add more to YOUR, not the banker’s bottom line! Here is a cautionary tale and a good amount of research and experience that will show young & old: • The tips, tricks, and secrets banks and advertising executives use to get you to (unfairly) part with your hard-earned money! • How even small numbers of credit lines can grow like ‘crazy’ to become a “Gorilla” on your financial back and what you can do to avoid them! • What some modern day banking fees and financial corporate debt resellers can do to drain your accounts, tie up your retirement savings plans, children’s college funds, and keep you ‘enslaved’ to your boss! • What the danger signs of “Bankruptcy Road” are, and the credit repair ‘scams’ you need to avoid • What is the psychological ‘babble’ that financiers use to make you feel that you need them and not the other way around when you need some money? • How to use 10 inspiring ways to credit, not debit your accounts! • Multiple methods to improve your privacy, protect your banking information, and guard against IDENTITY THEFT, the criminal scourge of our times! • And much, much more! So if you have ever wondered… “Why can I not GET more, and KEEP more money in my bank accounts?”or…“WHAT is it that Bankers and other financially successful people know that I don’t that keeps me POOR and constantly juggling, while others thrive?” …then this book is for you!

7 Little Known Secrets the Banker Won’t Tell You! How to Avoid Too Much Credit, Debt, & “Bankruptcy Road”

Product DescriptionIn Extra Credit: The 7 things every college student needs to know about credit, debt & ca$h. You’ll learn how credit card companies “trick” you into playing their game by their rules and why it’s not your fault that you can’t beat them. . . at least until now. Extra Credit is the book that every college student and high school senior should be armed with as they are about to be assaulted by 50 credit card solicitations each semester. Extra Credit should be a mandatory book for all incoming freshman. You will be able to get your first credit card and use your debit card on your own, but nobody taught you how to use them, when to use them, how to balance your account, or how to tell if you are getting ripped off. You’ll discover everything that credit card companies don’t want you to know and more! – What’s the difference between a credit card and debit card? – What are the top 10 tricks used by credit card companies? – How do credit card companies market to college students? – How do I know when to use a credit card, when to use my debit card or when to use cash? – How do I get out of debt? – and much, much more. . .

Extra Credit: The 7 Things Every College Student Needs to Know About Credit, Debt & Ca$h

Product DescriptionWhy are credit records important? How can a family determine its debt limit? How much should an individual spend on a home? Readers of this instructive guide will find answers to these questions as well as other valuable information on managing credit and breaking the cycle of debt. In simple language addressed to the individual consumer, David Scott explains • how interest rates are calculated • how to choose a credit card • the various types of car loans • what to consider when financing the purchase of a home • how to negotiate with creditors

David Scott’s Guide to Managing Credit and Debt