Time Management is Really Life Management

Product Description
How we see our time says a lot about how we view God. In this study, Roy King examines the way that God views our time and provides helpful suggestions on how to bring the use of our time into alignment with God’s perspective. Includes study guide questions for each chapter.

Time Management is Really Life Management

Graduation Debt: How to Manage Student Loans and Live Your Life

• ISBN13: 9780470506899
• Condition: New
• Notes: BRAND NEW FROM PUBLISHER! BUY WITH CONFIDENCE, Over one million books sold! 98% Positive feedback. Compare our books, prices and service to the competition. 100% Satisfaction Guaranteed

Amazon.com Review
Graduation Debt is different from the competition because it provides a step-by-step road map for effectively managing student loan debt and having a successful financial life. Yet, it’s completely positive. The focus is less on sacrifice and more on not wasting money, so readers can live better lives while paying off debt.

The book’s content is divided into small subsections geared toward those neck-deep in student debt. The brevity of each section makes the book digestible to those who aren’t inclined to focus on their finances. Readers are encouraged to take action steps such as finding long lost student loans that may have gone into default, discovering payment plans they can afford, consolidating loans when it makes sense to do so, saving money on eating out and groceries, improving credit scores, tweaking their debt-to-income ratios that’s needed to buy a home, discussing their student loan and non-student loan debt with their significant others.

By the end of the book readers will be on the road to managing all their debt and having extra money for vacations and other fun stuff, too.

How to Miss Student Loan Payments Without Hurting Your Credit
Amazon-exclusive content from the author

Worried your credit will take a nose dive if you miss federal student loan payments? Your credit won’t be dinged if you call your loan servicer and qualify for a temporary payment reprieve.

What steps do you need to get approval for an excused absence from making payments?

1. Write down your monthly expenses and your monthly income on a piece of paper. Your loan servicer is going to want to know why you need a break from student loan payments.

2. Peruse the Department of Education’s or your servicer’s Web site to see if there are special reasons you might qualify for a payment break such as military service or you’re returning to school. You’ll find the words forbearance and deferment. These are the terms used for an approved temporary break from payment. The difference between the two is that in deferment the government will pay the interest charged until your deferment expires.

3. Write down circumstances that apply to you that you found on the same piece of paper as your finances.

4. Find the contact information for all your student loans. If you don’t have your paperwork for all your loan servicers, contact the department of Education or pull up your loan list by logging in to the National Student Loan Data System Web site.

5. Click on each loan that shows a balance in the Outstanding Principal column. Scroll down to the contact chart and write down the name of your servicer and the contact number. Repeat for each loan on which you still have a balance.

6. When you call each of your servicers, tell them you need either a deferment or forbearance. Then tell them your circumstances as to why you need a payment break. There may be a brand new type of forbearance or deferment that may work better for you.

7. Don’t accept more time than the maximum you could need at once, especially if you qualify for forbearance instead of a deferment. Why? Your interest still accrues if you are granted forbearance. For example, let’s say you have $60,000 in student debt at a rate of 5 percent. You decide to take a six-month payment break. Six months later, your loan has grown to $61,500 because of accrued interest and no payments made.

8. Fill out any necessary paperwork asked for by your servicer (s). Wait a week after you submit paperwork to call and verify paperwork has been received.

9. To protect your credit, wait to stop making payments until you’ve received a notice in writing from each servicer with the exact date your deferment or forbearance will begin and end. Call each servicer to verify this date and the date you should start making payments when your deferment or forbearance ends.

10. Keep your loan information in a folder in a place where you will be able to easily find the information later.

Graduation Debt: How to Manage Student Loans and Live Your Life

Getting a Life: Strategies for Simple Living Based on the Revolutionary Program for Financial Freedom, “Your Money or Your Life”

Product Description
Revolutionary and life changing, the “voluntary simplicity” movement is about achieving financial freedom and living well for less. Now Getting a Life shows how real people have left the rat race for a more meaningful–and financially manageable–life that reflects their own true values and individual goals. Written by a couple who used the nine steps in the bestselling Your Money or Your Life to transform their own relationship with money, Getting a Life offers proven, practical ideas on how to use each step of the program. With honesty and humor, the authors and more than two dozen families and individuals share their personal experiences on such issues as paying for health care, raising children in a materialistic world, and breaking the link between what you do for a living and who you are. Getting a Life shows you how to adopt voluntary simplicity in your own life and what to expect once you do.

Getting a Life: Strategies for Simple Living Based on the Revolutionary Program for Financial Freedom, “Your Money or Your Life”

Time Management for Unmanageable People: The Guilt-Free Way to Organize, Energize, and Maximize Your Life

• ISBN13: 9780553370713
• Condition: New
• Notes: BRAND NEW FROM PUBLISHER! BUY WITH CONFIDENCE, Over one million books sold! 98% Positive feedback. Compare our books, prices and service to the competition. 100% Satisfaction Guaranteed

Product Description
Revealing the flaws in old time-management practices, the authors of You Don’t Have to Go Home From Work Exhausted! offer tips on identifying personal style, accentuating strengths, prioritizing, and reclaiming time.

Time Management for Unmanageable People: The Guilt-Free Way to Organize, Energize, and Maximize Your Life

SuperFreakonomics, Illustrated edition: Global Cooling, Patriotic Prostitutes, and Why Suicide Bombers Should Buy Life Insurance

Product Description

Seeing is believing . . . The Smash Hit SuperFreakonomics is now Bigger and Better

SuperFreakonomics was an instant New York Times bestseller that caused a media uproar, continuing the amazing success begun with the groundbreaking, worldwide sensation Freakonomics.

With the Illustrated Edition, Steven D. Levitt and Stephen J. Dubner bring alive their smart thinking and great storytelling with an explosion of visual evidence, including:

• A by-the-numbers tally of a high-priced call girl’s career, and a tracking sheet from an intensive survey of Chicago street prostitutes.
• A visual quiz that lets you pit your memory against the memory of a chess grand master.
• Images of the hurricane-killing machine and other geo-engineering inventions described in SuperFreakonomics.
• A look into whether doctors are better at saving lives in TV dramas or in real hospitals.

Whether probing the intricacies of sex change oper-ations, the effectiveness of child car seats, or what really motivates people to do good, the Illustrated Edition of SuperFreakonomics employs photographs, drawings, and graphs that will lead readers to see the world in a bold, fresh way.

SuperFreakonomics, Illustrated edition: Global Cooling, Patriotic Prostitutes, and Why Suicide Bombers Should Buy Life Insurance