Discover a proven strategy for debt relief, paying off your debts and remain living debt free for the rest of your life. Millions of people are in debt and struggling to make ends meet. People are hoarded by surmounting financial responsibilities with no resolution in sight. Most don’t know what to do or where to turn for help. The growing financial crisis has shifted the consensus of the American Dream from owning a home to being debt free. This is scary. Is to be “debt free” really just a dream? How do you even start to make this dream a reality?

The truth is, it can be your reality. This book gives you step-by-step strategies on how to gain control over your finances, and eliminate all your debts once and for all. You’ll also discover what got you into debt in the first place, and how to keep it from happening again. You don’t have to live enslaved to your debts anymore. You just have to make the commitment to take action and stay the course.

Here Is A Preview Of What You’ll Learn…

  • Why Are You In Debt?
  • Income and Expense Worksheet
  • Can You Raise Your Income?
  • Can You Lower Your Expenses?
  • Credit Cards and DebtDebt Consolidation Loan
  • BankruptcySecured Loans
  • Much, much more!

Here’s What Others Are Saying…

“This book is the best book I have read about getting out of your debt the sensible way!! It’s not one of those quick fix books, it is a realistic look at debt and very helpful tools to get out of debt and build your credit. I really recommend this book!!”- Gerald Leroy Anderson (Philly, USA)

“This book is really great. I was able to get some nice tips to manage my personal finances better. I’m always trying to save money and I’m always looking to good books like this one to get some information on how to manage my credit card debt better. I’m still in debt but I’ve been following some tips and I can tell you that I’m getting some results already. I would recommend this book. I should try this out.”- Amanda Jones (USA)

“I have come out of debt only recently and as I am still recovering financially I decided to download: “No More Debt’’ to see if it could help me. I literally ‘absorbed it’ on my lunch break and I found all the tips so useful and so up-to-date that I actually ended up reading it twice. What I got from this read is: some really reinforced motivation! I will never again be a debt victim and will never again struggle financially. I have actually started my financial journal, just like the author suggested and it made it so much easier to me to see where I was with my money…I love this idea of a simple yet healthy and happy life. Thank you so much author!”- Marta T. (Barcelona, Spain)


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Misdirection: How Misaligned Incentives, Corporate Greed and Irresponsibility Caused a Blind Spot on Your P&L

Misdirection: How Misaligned Incentives, Corporate Greed and Irresponsibility Caused a Blind Spot on Your P&L - ASIN B08CS2MHB8

“Misdirection” is a step-by-step playbook for CEOs, CFOs, business owners and HR executives that will help you identify and mitigate what can be the largest cause of negative operating leverage in your business.

No matter your industry, company size, or location, this book will provide the tools to help you uncover what every other consultant has ignored. These expenses, hiding in every business, are disguised as liabilities but can become a powerful asset. You can look at this book as a self defense, judo of sorts, to protect your company from unnecessarily overspending on what should be a manageable expense. Not only do we address cost but we discuss employee morale, improving company culture and how all these topics are tied together.

Many times I see companies sacrifice the important for the urgent. This causes businesses to neglect what they believe they cannot change and instead focus on what they know they can.

This blind spot on your P&L has been largely overlooked because you have been trained to overlook it. In fact, most business owners, C-suite executives, mayors, governors, and union heads have been trained to delegate this expense to non-P&L managers. This is because they’ve always thought there was no way to control this expense. In reality, they have been kept in the dark by the misaligned incentives in this multi-billion dollar industry.

Warren Buffet once famously called GM “a health and benefits company with an auto company attached.” It has also been reported that Starbucks spends more on health insurance for its employees than it does on coffee beans. For most companies, health insurance is the second or third largest expense after payroll and raw materials.

This puts you in the healthcare business! I have just one question for you—how is your healthcare business doing? If my asking that question made you feel uncomfortable, that’s ok—it’s just the Cartel’s programming taking over.

When organizations spend millions of dollars in a belief system, they try very hard to hold on to it. In this book, you will learn:

– The financial hedging strategy that will allow your company to arbitrage risk of $40,000 – $1M, down to less than $5,000.
– Who is the Cartel and how they have been paid billions by ripping off millions of people and business just like yours.
– Why your company unnecessarily overpays for what should be a manageable expense.
– How to turn a rented liability into an asset you own.
– Why healthcare supply chain price gouging causes the quality of your health plan to diminish, and what you can do about it.
– How a few simple steps can increase your company’s EBITDA each and every year.
– The fastest way to recapture a decade or more of losses – that you have already experienced.
– Recognize the “learned helplessness” that has gradually crept into your awareness over the last 10+ years.
– How price and cost are different and how we can use this to make your health plan better.

This book is a plainly written, common sense guide to why you overpay for healthcare at work and how to give your employees the best health care plan they have ever had. Doing this will give you a literal competitive edge in your market, just be sure to read this before your competitor does.

Forward by Craig Lack, Best Selling Author and labeled as “The most effective consultant you’ve never heard of”.

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Eye of the Moon

Eye of the Moon - ASIN B07BH41NB5

Eye of the Moon is a gothic mystery of the finest order, Eyes Wide Shut meets Agatha Christie.”

Johnny’s legendary socialite Aunt Alice mysteriously died while reading The Egyptian Book of the Dead when he and Percy were ten. They have been kept in the dark about that night ever since…

Twenty years later, they are reunited, along with family and guests, for a weekend house party at Rhinebeck, the sumptuous estate once owned by Alice.

But Rhinebeck holds more than just childhood memories.

From the family butler, they learn that Alice’s story is far darker than anticipated, and will impact all their lives, particularly Percy’s, before the weekend concludes.

All who attend are ensnared in a surprising web of mystery, Egyptian occultism, sumptuous elegance, and intrigue, where family members, guests, and even the servants have their own agendas, and nothing is what it seems.

This complex and sophisticated gothic mystery thriller is a page-turner you will not be able to put down.

What readers are saying about Eye of the Moon:

“It’s gripping, intense, thorough. Everything I wanted in a thriller and then some.”

“This was such a surprise. If you like big house mysteries,Downton AbbeyandCluedo ‘who done its’, you will love this.”

“Eye of the Moon kept me engaged from start to finish. I read it in three days.”

“Eye of the Moon is a well written, enjoyable gothic mystery filled with secrets, treasures, twists and turns, and the paranormal.

“Truly magical! A compelling story, with an original plot full of mystery, colorful characters and unexpected twists and turns, that keeps the reader in suspense until the very end.”

“This story held me spellbound throughout.”

“Eye of the Moon is a delightful suspenseful adventure into a world of aristocracy and mystery. Lively conversations, wonderful, diverse characters and vivid detailing gives one a feeling of being there. Overall this is an intelligent read that keeps you turning the pages.”

“I could not stop reading as I was entangled in the many twists and turns, a fun and unforgettable read.”

“True to the promise it makes, it’s a book that kept me reading well into the night. It’s incredibly suspenseful and full of great conversations and characters.”

“It was a wonderful escape. The characters so solid and intriguing, the location and relationships absolutely entrancing.”

“I enjoyed reading it so much that I have already picked it back up! I could not wait to be back at Rhinebeck with my friends Percy and Johnny.”

“The book is closed, the weekend at Rhinebeck is over, and I don’t want to let go of the sense of mystery and magic that permeates the story and all its intriguing characters.”

“This is one of those books where you’ll have a sudden realization while flying through the pages that you don’t want the book to end. If there ever will be a sequel to this book, I’ll definitely read it.”

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Small Business Financial Management

If you run your own business and you’re struggling to get to grips with the finances, this book has been written with you in mind.

Most small business owners have no formal training in financial management, so Ivan, a Chartered Accountant and co-owner of a highly successful accountancy firm, sets out to explain the basics in a simple, readable style.

This book starts with a review of the most important financial routines most small businesses should have in place, covering sales, purchases, payroll, banking, asset management, and other critical activities.

In the second part, readers are shown how to understand a profit & loss account, balance sheet and cash flow statement.

In part three, more advanced topics discussed include budgeting and forecasting; cash flow management; working capital management; ratio analysis; and other important financial management tools and techniques.

The final part of the book looks at some of the biggest financial decisions a small business owner might need to make: what legal structure to use; whether to register for VAT; employing staff; buying business premises; managing business taxes; choosing an accountant; and more.

If you’re looking for a comprehensive guide to small business financial management – you’ll find everything you need in this easy to read guide.