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Tables of Contents for Getting Out of Debt
Chapter/Section Title
Page #
Page Count
introduction
ix
Knowing Your Financial Situation
1
12
The Importance of Budgets
1
1
Just Do It
2
4
Sample Budget
6
3
Budgets for Different Times in Life
9
1
Budgeting for Milestones
10
1
Budgeting for Vacations
10
1
Need Help?
11
2
Finding Alternative Sources of Income
13
4
The Part-Time Job
13
1
Rental Income
14
1
Out With the Old, In With the Cash
15
1
Refinancing Mortgages vs. Home Equity Loans
15
2
Credit Cards
17
8
Break the Cycle of Credit Debt
18
2
The Dreaded Interest
20
1
Credit Card Blocking
20
1
Secured Cards
21
1
Keep One in Your Maiden Name
22
1
Students and Credit
22
3
Credit Reports and You
25
8
How to Obtain Your Credit Report
27
1
Reading and Understanding Your Credit Report
28
2
Fixing Errors
30
1
Reporting Credit Card Scams
31
2
Collection Agencies
33
8
An Outline of the Fair Debt Collection Practices Act (FDCPA)
35
3
Debt Consolidation
38
1
Where to Go
38
3
Personal Bankruptcy: The Final Option
41
4
The Three Forms of Bankruptcy
42
3
How to Avoid Getting Into Debt Again
45
16
The Road to Tomorrow: The Importance of Saving
47
1
Certificates of Deposit (CDs)
48
1
Retirement Plans
49
1
401 (k) Plans
50
2
Roll Over
52
1
IRAs
53
1
Withdrawing Money from a Traditional IRA
53
2
Roth IRAs
55
1
SEP and Simple IRAs
56
1
IRA Inertia
56
1
Keogh Plans
57
1
Other Types of Plans
58
1
Equity
59
2
Handling Money During Retirement
61
4
Five Retirement Options to Consider
62
3
A Few Words on Personal Borrowing and Lending
65
4
Lending Money
66
3
Learning to Shop Smart for Big Purchases
69
14
Car Buying
69
2
Financing a New Car
71
1
Buying a Used Car
72
1
Home Buying
73
1
The First Steps
74
1
The Process
75
1
Mortgages
76
1
Choices, Choices, and More Choices
77
1
Mortgage Loans in a Nutshell
77
2
You and Your Credit Scores
79
1
Refinancing
79
1
Home Equity Loans
80
1
Reading Mortgage Rate Sheets
81
1
Tips for Home Buyers
82
1
Teach Your Children Well
83
6
The High Cost of Education: A Parent's Perspective
89
10
Projecting College Costs
90
3
Financial Aid for College
93
1
Scholarships, Grants, and Loans
94
2
Questions to Ask When Taking Out a Loan
96
1
Consolidating Education Loans
96
1
The Payback: A Student's Perspective
97
1
A Little Help From the Student
98
1
A Word About Taxes...Reduction and Avoidance
99
4
Tax-Free Investments
100
1
Budgeting to Pay Your Tax Bill
100
1
Some Tax Resources
101
2
conclusion
103
2
appendix a
105
4
appendix b
109
2
index
111