Economically, times are tougher today. The family budget is tighter. This book in your hands will show you how to make some extra money throughout the year. This cash can fill in your budgetary shortfalls. This is a how-to book about making money off credit card companies. In this book, a step-by-step instruction is given about how to make money by paying your monthly expenses with your credit card. In this book, you will learn what a sign-up bonus ishow to earn and redeem a sign-up bonus. You will also learn about cash-back bonuses, how they work, and how to redeem the cash-back bonus. After reading this book, you will be able to transfer a balance between credit cards without paying that nasty 3 percent to 5 percent balance transfer fee. Also, you will learn to avoid paying interest charges. Paying interest and balance transfer fees are detrimental to your financial health. The chapters are set in a story format to make learning easier and more enjoyable. You will meet Ralph and Susan as they learn to cash in sign-up bonuses for some extra cash. You will see how Granny pays for Christmas with the credit card companys money. Christy will show you how she buys new shoes by just paying her bills. Plus you will meet several other characters in other situations and circumstances. This book will teach you how to do the same things and more. Now it is your turn to earn some extra cash! It is time for cashing in on credit cards! Make money by paying your bills!

Kyle and Amy go school shopping and learn about different payment methods.

Who would not be interested in getting an interest-free loan for 12 months for any type of purchase just for taking a few minutes to complete a credit card balance transfer offer? Or a free round-trip airline ticket twice a year just for making purchases on a rebate card? Or lowering their insurance premiums by hundreds of dollars a year just by raising their credit score? Obviously, just about every consumer is interested in saving money and getting freebies! Hence, the universal appeal of this book cannot be overstated. Today, the average American household has 12.7 credit cards. Banks maximize their profits by "nickel and dimeing" and outsmarting their cardholders: that's why credit cards are their most profitable product. Banks spend billions enticing consumers with rebates, freebies, low-introductory rate offers, and airline miles. Learn how to take full advantage of these offers, without paying for them through brutally high interest rates, fees, and penalties! Arnold offers specific advice targeted to young consumers who are being aggressively targeted by credit card marketers; retirees facing credit discrimination; Americans recovering from bankruptcy or other debt problems; and even consumers with great credit. You'll learn the techniques he has personally used to escape credit card debt, "creatively finance" his wedding, car, and home purchases, and earn thousands in credit card "perks" every year.

In the United States, we now take our ability to pay with plastic for granted. In other parts of the world, however, the establishment of a "credit-card economy" has not been easy. In countries without a history of economic stability, how can banks decide who should be given a credit card? How do markets convince people to use cards, make their transactions visible to authorities, assume the potential risk of fraud, and pay to use their own money? Why should merchants agree to pay extra if customers use cards instead of cash? In Plastic Money, Akos Rona-Tas and Alya Guseva tell the story of how banks overcame these and other quandaries as they constructed markets for credit cards in eight postcommunist countries. We know how markets work once they are built, but this book develops a unique framework for understanding how markets are engineered from the ground up—by selecting key players, ensuring cooperation, and providing conditions for the valuation of a product. Drawing on extensive interviews and fieldwork, the authors chronicle how banks overcame these hurdles and generated a desire for their new product in the midst of a transition from communism to capitalism.

Get out of debt and use credit wisely with this easy-to-understand, comprehensive guide to making your debt work for you. The key to borrowing, managing, and paying off debt is understanding what it is, how it works and how it can affect your finances and your life. Debt 101 is the easy-to-follow guide to discovering how to pay off the debt you have plus learning how to use debt to your advantage. Debt 101 allows you to take control of your money with strategies best suited for your personal financial situation—whether you are buying a home or paying off student loans. You will learn the ins and outs of borrowing in a simple, straightforward manner, managing student loans and credit card debt, improving your credit score, understanding interest rates, good debt vs. bad debt, and so much more. Finally, you can get ahead of the incoming bills and never let your debt intimidate you again!

“Useful and relevant. . . . Greenberg’s writing is clear and concise. Each section starts with easy tips . . . then wades into bigger, trickier concepts.” —New York Times Book Review A celebrated writer on food and sustainability offers fifty straightforward, impactful rules for climate-friendly living We all understand just how dire the circumstances facing our planet are and that we all need to do our part to stem the tide of climate change. When we look in the mirror, we can admit that we desperately need to go on a climate diet. But the task of cutting down our carbon emissions feels overwhelming and the discipline required hard to summon. With The Climate Diet, award-winning food and environmental writer Paul Greenberg offers us the practical, accessible guide we all need. It contains fifty achievable steps we can take to live our daily lives in a way that's friendlier to the planet--from what we eat, how we live at home, how we travel, and how we lobby businesses and elected officials to do the right thing. Chock-full of simple yet revelatory guidance, The Climate Diet empowers us to cast aside feelings of helplessness and start making positive changes for the good of our planet.

In Retire Before Mom and Dad, you'll learn how to unlock the superpower inside of you that is capable of transforming almost any income into lasting financial freedom. And, you'll discover that it's not about scrimping and sacrificing to get there.