Anthony Manganiello

The Debt-Free Millionaire

Winning Strategies to Creating Great Credit and Retiring Rich

• Gebundenes Buch

Produktbeschreibung

Are you tired of spinning your financial wheels?
Do you really want to know what it feels like to not worry about money?
Has the difficulty of managing your financial life led you to just accept things as they are and hope they'll just "work out" in the end?
If you answered "yes" to any of these questions, then it's time to make a change--and the knowledge you need to become a debt-free millionaire is literally in your hands right now.
The desire to get out of debt can sometimes be smothered by the shear volume of information, and misinformation, available. To overcome such obstacles, what you need is one place to find the right answers, right away. That's why author Anthony Manganiello--founder and creator of DebtFREE.com and President and CEO of Centricity, Inc.--has created The Debt-Free Millionaire.
Since 1995, Manganiello has helped hundreds of thousands of people get out of debt, and now, he'll show you how to do the same. Throughout these pages, he skillfully outlines a plan that will allow you to eliminate debt, develop better credit, and retire comfortably. You'll learn everything from how to perform a Cash-FLOW Analysis(TM)--a straightforward approach to assessing your financial standing--to putting your plan into action. Along the way, Manganiello reveals how debt and credit should fit into your financial life and addresses how to employ specific strategies that will lead you to accumulate wealth instead of what you're most likely doing now, consuming it.
No matter what your current financial situation, the five simple steps comprising this plan will put you in a better position to prosper in the years ahead. You'll also find that as you progress through the Debt-Free Millionaire Plan, you'll be fairly well insulated from the economic ups and downs experienced by others who are stumbling through life without a plan.
After reading this book, when you think of what a millionaire is, you'll realize that the only difference between you and becoming a millionaire is a matter of time and distance. The strategies outlined here will help you close that gap as quickly as possibly. 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. 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. Praise for The Debt-Free Millionaire
"The Debt-Free Millionaire is a clarion call for a generation that was brought up on spending tomorrow's money today. As someone who spent time in the financial services industry, I can unequivocally state that Anthony's pragmatic and refreshingly contrarian approach to the real secrets of cash-flow management--and leveraging the credit system--are a breath of fresh air in a smog-choked world of misinformation and confusing financial advice.I can think of a million reasons to read it."
--Michael DiFrisco President, BrandXcellence
"Read this book. Do what it says. Start living the dream. If you're ready totake charge of your financial future, this is the place to start."
--Keith J. Cunningham Keys to the Vault & Business School for Entrepreneurs
"The Debt-Free Millionaire offers unique insights, little known strategies and easy-to-understand practical tools to first manage then eliminate debt. It is amust read for both consumers and financial professionals to better explain the often complex world of debt management. More like getting sensible advice from a good friend than a technical financial advisor."
--Roy Balfour President of Ro-Mart Inc.
"Tony has produced a clear and straightforward guide to debt, and how to eliminate it, that is as timely as it is needed. Anyone who follows the program in this book will be glad they did."
--Jeffrey K. Meek Former Vice President-Recovery Operations, WaMu Card Services
"Great for readers of all ages and in all financial stages. This isn't one of those get-rich-quick schemes. This book provides a foundation for a paradigm shift in your thinking process and allows for you to see how toachieve the seemingly unachievable. I was hooked from the beginning!"
--Jenna Keehnen Executive Director, www.USOBA.org

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Produktdetails

• Verlag: Wiley & Sons
• 1. Auflage
• Seitenzahl: 304
• Erscheinungstermin: 1. August 2009
• Englisch
• Abmessung: 235mm x 157mm x 21mm
• Gewicht: 498g
• ISBN-13: 9780470455760
• ISBN-10: 0470455764
• Artikelnr.: 26010010

Autorenporträt

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.

Inhaltsangabe

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' 201
Chapter 14 So Now What? The Debt-FREE Millionaire Action Plan 217
Chapter 15 What about Our Economy? 229
Conclusion: The Real Identity Theft 235
Appendix A The Cash-FLOW Analysis Work Sheet 241
Appendix B Estimating Your Debt Elimination Time Frame 249
Appendix C Sample Amortization Tables 253
Appendix D Income Adjusted for Inflation 263
Appendix E Future Wealth (Nest Egg) Estimator 265
Appendix F Debt Payment Wealth Impact 267
Appendix G Should I Save First? 269
Appendix H Putting Your Debt-FREE Millionaire Plan on Cruise Control 271
Glossary 273
Notes 275
About the Author 277
A Free Gift from Me to You 279
Index 281