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Surviving the Recession Ebook

Surviving the Recession
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Ebook cover: Surviving the Recession
Surviving the Recession

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Title: Surviving the Recession
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Survive the Recession, Discover How to Cut Costs and Win the Recession Game!

Unless you've been hiding under a rock, you are aware of the current state of the economy. There doesn't seem to be an end in sight. It affects all of us either directly or indirectly.

This isn't something "new." We've been through this before. The only upside of our situation this time is that we now have more sophisticated ways to share information.

When faced with an economic crisis, either individually or collectively, our first inclination is to cut out luxuries. That's a pretty obvious step to take. It's just the first step, however. Sometimes we are so close to a problem we just can't "see the forest for the trees."

The first thing to understand is that you are in this by yourself. There are no magic bullets or safety nets poised to soften the landing when you fall off the cliff. You have to look out for you and yours because no one else is going to do it.

There are steps you can take to minimize the effects on your finances. You just need to know where to begin.

We believe we have the answers to your questions about where to begin your quest on fighting the recession monster. "Surviving the Recession" is just what the doctor ordered to cure your recession ills.

You've taken the first step just by reading this page. Take a look at what's waiting in the wings to help you survive this mess:

  • How to reduce your grocery costs by 10% or more
  • What Kind of Mortgage Fits You Best?
  • Cut Your Energy Bill
  • Chop Your Cable Bill
  • Stomp Your Phone Bill
  • 10 Ways to Bust the Cost of Your Auto Insurance
  • Heal Your Health Care Costs
  • Lower the Cost of Your Homeowner's Insurance
  • Tame the Credit Card Monster
  • Slash Those Travel Costs
  • Life Insurance - Who Needs it

Also learn how to get more out of your paycheck and how to build a budget and stick to it! You even get worksheets and comments from a credit counselor.

Don't wait. "Surviving the Recession" is your ticket to surviving these troubled times. They won't last forever, but thus far there is no end in sight. The upside is that by the time we do recover you will be way ahead of the game armed with all you've learned!

Get your copy now so you can survive this recession!


About The Author

Douglas Hanna

Douglas Hanna is a retired advertising and marketing executive. He lives in a suburb of Denver, Colorado with his wife and two dogs.

In his capacity as an advertising agency VP of Creative Services, Douglas worked closely with one of his state's largest banks and one of its largest savings & loan institutions. These experiences taught him many of the financial tips and tricks you will find throughout this book.

In addition, Douglas has spent many years researching and writing about personal finances and is the author of more than 25 well-received ezine articles on the subject. Douglas has also written more than 200 other articles on a variety of subjects.

Douglas knows from personal experience how difficult it can be to survive financially during tough times. As a 23-year old, Douglas found himself supporting a wife and baby on less than $5500 a year. This led him to a strong interest in personal money management, which has lasted throughout his adult life.

"My life was very difficult for a number of years," Douglas recently said. Given these experiences, he decided to learn everything he could about cutting costs and saving money. "While these times were tough," he said, 'I was able to get through them by learning many of the money-saving techniques I have included in this book."

His book is dedicated to all those of you who are interested in cutting costs and surviving tough times like Douglas.




Contents

Introduction
  • Are you one of the lucky Americans?
  • How is your credit card debt?
  • 8 Ways this Book can Help You Live Better
  • How would you feel if you were really in charge of your finances?
Getting Started

2 The Myth of Fixed Costs
  • Where to get information on mortgage rates
  • Mortgage, Mortgage - What Kind of Mortgage Fits You Best?
  • Where to find an ARM calculator
  • Direct Lender Compared to Broker
  • Learn from our bad experience
3: Slice and Dice those Food Costs
  • Where to find those money-saving coupons online
  • How to reduce your grocery costs by 10% or more
  • Tried and true ways to save money on groceries
  • Get a notebook
  • Watch your Attitude
  • Read the fine print in all store ads and on your coupons
  • Know when not to use a list
  • Know when to use a list
  • Grocery stores are for groceries
  • Know the system
  • Take a rain check
  • Realize that more isn't always cheaper
  • Look for double coupons26 Copyright © 2009 All rights reserved- 3 -
  • Does your store honor competitors' prices?
  • "Surviving the Recession" by Douglas Hanna Page 4 of
  • Make sure those bargains really are bargains
  • Weigh before you pay
  • Realize that sometimes the best bargain isn't the lowest price
  • Put your savings to work
  • Make sure mistakes don't happen
Chapter 4: Cut Your Energy Bill
  • The Cheapest Answer
  • Quick, easy things you can do to reduce that bill
  • Inexpensive storm windows
  • Do new windows make sense?
  • A great $60 investment
  • Do your own cost analysis
  • Free Information from Your Government
Chapter 5: Stomp Your Phone Bill
  • Drop that landline?
  • Fewer features could mean nice savings
  • Minutes, minutes, are you really using all those minutes?
  • Dial a few extra numbers and save big!
  • Have you thought about phone cards?
  • Tricks and Traps
  • Be sure to check billing increments
  • Some Simple Questions
Chapter 6: Chop Your Cable Bill
  • Could you save with satellite TV?
  • Subscribe to movies instead of premium channels
  • How about DirectTV?
Chapter 7: 10 Ways to Bust the Cost of Your Auto Insurance
  • Check insurance costs before you buy your next car
  • Get at least three price quotes
  • Reduce the coverage on older cars
  • How old is your car and what is its condition?
  • Keep a good credit record
  • 12 fast and simple formulas to get low-cost car insurance
  • Check about group insurance
  • Can you qualify for a low mileage discount?
  • Are you paying for duplicate medical coverage?
  • Look for other discounts
Chapter 8: Lower the Cost of Your Homeowner's Insurance
  • See what you might save with higher deductibles
  • Shop around
  • Can you make your house disaster-resistant?
  • Look for other discounts
  • Upgrade your home security
  • Keep your credit record clean and up to date
  • Don't pay for coverage you don't need
  • Don't change insurers
  • If you are in a government plan, look at private insurance
  • Consider the cost of insuring it before you buy a home
Chapter 9: Heal Your Health Care Costs?
  • Pay less for your medication
  • Can you actually trim these costs?
  • Can you take advantage of a flexible spending account (FSA)?
  • Can you play "Let's make a deal?"
  • Fight overcharges
Chapter 10: How to Tame the Credit Card Monster
  • More ways to get out of credit card debt
  • Interest Rates Really Matter
  • What about those credit counseling companies?
  • Give yourself a credit check-up
  • The time value of money
  • If you find errors
  • How to get your credit reports
Chapter 11: Life Insurance - Who Needs it?
  • Term compared to cash-value Insurance
  • The Secret to Buying Life Insurance
  • Term or cash-value; which is right for you?
  • How to eliminate that pesky life insurance agent
Chapter 12: Slash Those Travel Costs
  • How can you get the best possible fare?
  • Travel like a Prince on a pauper's budget
  • How flexible can you be?
  • What about charter flights?
  • How to cut the price of a ticket you've already purchased
  • Interested in saving money on a Disney World vacation?
  • Resort Vacations
  • How to save money on a hotel room
  • Sink the cost of cruising
Chapter 13: Even More Cost-cutting Tips
  • If your car is under warranty
  • Auto Maintenance
  • When your car is not under warranty
  • Cutting your entertainment budget
  • Lunches at work?
  • Trim those clothing costs
  • Free coupons that can help you save big!
  • Buy school supplies when they're on sale
Chapter 14: Building a Budget and Sticking To It
  • See your savings
  • Were your goals too high or too low?
  • Budgeting - tough love style
  • A 401K: It can still be a working person's best investment
  • Is saving money part of your budget?
  • Other investment alternatives
  • Why you might select a SEP over a Solo 401K
  • For the small business owner and the self-employed
Chapter 15: How to Get More out of Your Paycheck
  • How Flexible Spending Accounts Work
  • Flexible Spending Accounts
  • Dependent-care flexible spending
  • Retirement
  • Transportation reimbursement
Chapter 16: The Other Alternative - Increasing Your income
  • Build a business on eBay
  • One picture can definitely be worth 1,000 words
  • Liquidations and close outs
  • How to profit from bad spelling
  • More places to get the good stuff
  • How to find out what's hot
Appendix A - Check Your Progress
  • Your New Budget Worksheet
  • How to use this worksheet
Appendix B: Your Worksheet for Auto Insurance

Appendix C: Facts About Credit Scoring

  • Other factors
  • The factors that make up your credit score
  • If you're turned down for credit
  • What about loans?
  • Is Credit Scoring Fair?
  • What could create an error on your credit report?
  • What a credit counselor says
  • Keep a good credit score?
Ebook cover: Surviving the Recession
Surviving the Recession

$17.00
Add to Cart

PDF
Buy Now and get a second e-book for free!!!
Click here to see the long list of these ebooks
(priced for $17.00 or less).


Add to Wish List

P.S. Don't wait catch your recession beaters now!

Editor: Alex Smit
Price: $17.00
Ebook Type: PDF
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