. Zero Debt

Zero Debt: The Ultimate Manual to Fiscal Freedom

NATIONAL BEST-SELLER
The New Dynasty Times, BusinessWeek, Essence
Over 60,000 copies in print
As Seen on National Television (click here to watch)

Zero Debt: The Ultimate Manual
to Fiscal Freedom e-book plus audio
By Lynnette Khalfani

List Cost - ~~$29.95~~
On Sale for $19.95

CLICK HERE TO PURCHASE

Format: Adobe PDF includes embedded WMA audio file
Publisher: Advantage Earth Press

This product requires the free Adobe Reader. Transfer the reader for free at http://www.adobe.com.

What is this?
This is an cut version of Zero Debt: The Ultimate Manual to Fiscal Freedom, The New Dynasty Times Best-seller seen on Dr. Phil, The Tyra Banks Show, The Jane Pauley Show and as detected and seen by millions about the world. Zero Fiscal obligation is a 30 day s plan to help you get out of debt. This one of a kind Zero Fiscal obligation ebook allows you to quickly see and master the 30 day step by step plan and listen on to a 40 minute WMA audio that is embedded right into the PDF which allows you to see and listen at the same time. Not Accessible in Bookstores. Transfer time will vary depending upon your computer network connection.

Book Description

Would you like to be free from fiscal worries, rest at night knowing your bills are paid, and have peace of mind once it comes to money matters? Then you need Zero Debt - a 30-day s plan to fix your finances.

In Zero Debt, you'll discover:

How to get annoying creditors off your back
Insider private secrets to reduce interest rates or eliminate credit card late fees
Your legal rights – and what bill collectors can and can not do under the law
The better strategies to clean up your credit report or fix errors in your credit file
How to do life style changes that will save you money for decades to come!

If you want to be debt-free and accomplish fiscal freedom, you need an s plan to manual you. This book is your step-by-step plan. It’s simple. It’s easy to understand. And it works.

Lynnette Khalfani, The Money Coach, is a personal finance expert and the author of The Money Coach’s Manual to Your 1st Million (McGraw Hill), Investing Success: How To Conquer 30 Costly Mistakes & Multiply Your Wealth! and the New Dynasty Times bestseller Zero Debt: The Ultimate Manual to Fiscal Freedom (Advantage Earth Press). Her latest book, Zero Fiscal obligation for College Grads: From Student Loans to Fiscal Freedom, debuts May 2007 from Kaplan Publishing.

As an award-winning fiscal news journalist, Lynnette worked for nearly a decade as a Dow Jones Newswires newsman and a Wall Street Journal newsman for CNBC. At CNBC, Lynnette filed weekly television segments on personal finances, investment and small business, and conducted online chat sessions on CNBC.com.

Lynnette has interviewed thousands of fiscal experts, and in person paid off more than $100,000 in credit card fiscal obligation and nearly $40,000 in student loans before turning her fiscal life around. Now she shares the private secrets to wealth with audiences nationwide, exploitation insights based not simply on her professional knowledge, but besides on first-hand experience.

A popular keynote speaker, Lynnette besides conducts workshops simply about credit and debt, money management, real estate, investment and entrepreneurship. Lynnette is a frequent guest on national TV and radio programs, and has been featured in The New Dynasty Times, USA Today, Redbook, Essence, and on The Oprah Winfrey Show, Dr. Phil, The Tyra Banks Show, The Rachael Ray Show, Tavis Smiley, as well as the Accolade award-winning reality program “Starting Over.”

Once she’s not chasing after her three young kids, Lynnette is developing two PBS pledge specials, based about her books Zero Debt and The Money Coach’s Manual to Your 1st Million. She is besides presently a Money Coach for AOL, wherever she dispenses her unique brand of personal finance wisdom. For more information simply about Lynnette as an AOL Money Coach, and for free fiscal tips, visit http://coaches.aol.com/money/lynnette-khalfani/main.

Lynnette attained a Master of Arts degree in Journalism from the University of Southern California, and a Bachelor of Arts degree in English from the University of California, Irvine.

CLICK HERE TO PURCHASE

Praise for Lynnette Khalfani, The Money Coach™

“If you’ve got credit card debt, you need to get this book and see it. There are several great ideas in there.”
- Dr. Phil, discussing Zero Debt: The Ultimate Manual to Fiscal Freedom on his show

“I encourage you to take Lynnette’s well-researched proposal to heart.”
- Charles Schwab, Chairman and CEO, The Charles Schwab Corporation, Excerpt from the preface to Investing Success: How to Conquer 30 Costly Mistakes & Multiply Your Wealth

"The Money Coach's Manual to Your 1st Million will do you financially healthy, wealthy, and wise. Its seven-step plan is worth its weight in gold."
-Tavis Smiley, Author, Television & Radio Host

“This book covers the big image ... all the pitfalls you need to avoid in order to invest more confidently, multiply your wealth, and finish rich!"
-David Bach, Author, The Automatic Millionaire, on Investing Success

"Lynnette Khalfani is the money-savvy big sister you will you had. With wit, clarity and ne'er a trace of condescension, she shows you how to take control of your fiscal life, one step at a time. You’ll feel smarter and more confident after reading The Money Coach’s Manual to Your 1st Million.”
– Meg Richards, personal finance writer, Associated Press

“Money Coach Lynnette Khalfani shares the private secrets of the rich, and shows you exactly how you too can join the millionaire’s club. If you dream of one day owning your own business, you’ll especially love this book’s wisdom on how entrepreneurship builds wealth.”
- Dr. Randal Pinkett, Winner of The Apprentice Season 4; CEO of BCT Partners on Your 1st Million

"Lynnette Khalfani's The Money Coach's Manual to Your 1st Million is compelling for wanna-be millionaires, devising you a millionaire-in-training upon opening the cover! It gives you basics for acquiring your home in order from which to launch your fiscal future. Anyone can get started toward fiscal freedom with this book."
-Kenneth L. Fisher, Founder and CEO, Fisher Investments and 22-year Forbes "Portfolio Strategy" columnist

"Just starting out in the earth of money? Khalfani's patient and prudent approach is the kick in the pants you need to get on the road towards fiscal freedom. Her unquestionably old-school take on building wealth combines Depression-era frugalness with a contemporary, no-nonsense style. Unlike the get-rich-quick schemes that now infest popular fiscal literature, the lessons bestowed in this book will ne'er go out of style."
-Jonathan Hoenig, Portfolio Manager, Capitalistpig Hedge Fund LLC and Fox News Channel personality

“Want to live fiscal obligation free? You can with the help of Zero Debt: The Ultimate Manual to Fiscal Freedom. Here at last is a viable s plan for debt-free living that is several easy to understand and easy to put into s.”
- Black Enterprise Magazine

“This book deserves a place in the library of every individual investor.”
- Leland Hevner, President, National Association of Online Investors, Excerpt from the preface to Investing Success: How to Conquer 30 Costly Mistakes & Multiply Your Wealth

"Lynnette Khalfani has written a great little book with galore gems to manual you toward your 1st million. It's got terrific material on planning, paying down your debt, understanding real estate investments, and even as how to avoid the obstacles that could kill off your efforts. It's a seven-step plan that will point you in the right direction."
-Dr. Van K. Tharp, Commerce Coach and author of the NY Times Better Seller, Safe Strategies for Fiscal Freedom

Fan Mail for Lynnette Khalfani

Listen to what everyday folk are expression after reading Zero Debt and exploitation Lynnette's strategies to get out of fiscal obligation ...

I have sky-high started reading “Zero Debt” and would-be like to transfer the 30-day fiscal obligation challenge to support track of my progress. Thank you really more for such a common sense book!! - Kate

My name is Eric and I simply finished your book, Zero Debt. I got a
lot out of the book, and will I had this cognition 10 years ago.
- Eric B.

I see your book Zero Debt. In fact I have see it twice. Thanks a Million, your book has actually helped me to get started. - Mary B.

My total fiscal obligation including credit cards, house, medical bills, taxes and misc is approx. $190,000.00. Fun!!! I listed them out on paper like you aforesaid and it was quite shocking!!!

I am determined to succeed in acquiring down to Zero Debt!!! I'm trying to take one step at a time.

Here is wherever I stand on you 30 day s list.

1. Call 888-5-OPT-OUT-Done!

2. Vow to finish digging-I have vowed!

3. Put all fiscal obligation in writing-Done and I update it simply about doubly a month.

4. Order credit reports-I have done this and ready-made all corrections with all three companies.

5. Dispute credit errors-Done.

6. Thwart ID theft-done-on-going.

7. Set up filing system-Done-In alphabetical order.

8. Face the truth-Trying to!!!

9 Analyze cash sources-Done and on-going.

10. Scrutinize spending-Done and on-going.

There it is! I got a good start I think, but I have a long road ahead!

- Rich

I recently picked up a copy of "Zero Debt" and have committed to liberation myself of massive credit card and loan debt. Thank you really more for your time and all the valuable information in your book.

- Chari B.

Thanks for the information Ms. Khalfani. I did what you advised and faxed the person a letter outlining specific details. I have yet to obtain a letter via fax or by mail but it has only been 1 week.

I received a copy of my credit report last week and 3 accounts have been deleted. I was delighted to see that. I'm now evaluating my current fiscal situation and I can say that my fiscal home is in a somewhat fair condition but it can be better. Thanks for your advice. - Tia L.

More from Tia (1 month later)

Thanks to Zero Fiscal obligation and the good Lord above I have received galore blessings. I'm about zeroed out. I'm besides working on that emergency cash fund and my will. I simply wanted to let you cognize your book has truly helped me and it has my coworkers causing their letters out left and right. I have distinct to go back to school and pursue a degree in debt/tax law. Since I've told them simply about your book and the steps I've taken to clean and update accounts on my credit they call me the "debt paralegal". I'm proud of me and I actually appreciate your help and feedback. Give thanks you so more and God bless. :o) - Tia L.

I think "Zero Debt" is fantastic and am trying to follow the steps toward becoming fiscal obligation free. - Marcie K.

Thanks for writing such a fantastic and easily apprehensible book on
acquiring out of debt. I'm emailing you to tell you of my own personal
progress since reading your book this weekend.

• I've patterned out a repayment schedule
• called one of my cc companies and got several of my late fees born and got
out of delinquent status
• called opt-out
• put all fiscal obligation in writing and adorned it on my wall
• and ready-made a list of stuff to sell (nice stuff i own but ne'er use).

I still haven't found out what my credit score is yet (I'm still too afraid
to face it) but am working up the courage. thanks for the words of
encouragement! - Kate W.

TV and Radio Appearances ...
Lynnette Khalfani-Cox The Money Coach has been featured on hundreds of local and national television shows and news programs throughout the country and seen on every major network, including ABC, NBC, CBS and FOX. Additionally, Lynnette has been quoted in many articles, including:

Lynnette Khalfani-Cox, The Money Coach

Television