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| http://www.bankruptcyaction.com/, Free
Use this site to find a bankruptcy lawyer. |
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| Brayman outlines how the debt side of the personal balance sheet should and can be managed in much the same was as the assets side, taking into account financial goals, risk tolerance, and diversification among “debt classes.” |
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| http://www.amazon.com/Complete-Idiots-Guide-Getting-Debt/dp/1592578470/ref=sr_1_1?ie=UTF8&s=books&qid=1280515915&sr=8-1, $16.95
A solid guide to resolving personal debt problems. |
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| http://articles.moneycentral.msn.com/SavingandDebt/ManageDebt/ManageDebt.aspx, Free
Lots of helpful items of information about personal debt management, including some unusual ones. |
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| http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre38.shtm, Free
Must reading before you commit to a debt reduction plan, especially one you are paying for. |
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| http://www.bankrate.com/brm/news/advice/20010418a.asp, Free
A 10-question quiz to help you understand what kind of borrower or lender you are. |
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| http://finance.yahoo.com/how-to-guide/loans/12821, Free
Simple, smart, objective overall guidelines about home refinancing. |
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| http://www.ehow.com/how_2153651_file-chapter-7-as-business.html, Free
A layperson's guide to liquidating your business under the federal bankruptcy law. |
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| http://homebuying.about.com/gi/dynamic/offsite.htm?zi=1/XJ&sdn=homebuying&zu=http%3A%2F%2Fwww.bankrate.com%2Fbrm%2Fnews%2Fmtg%2F20010105a.asp
Larson gives the other side to refinancing hype. |
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| RetirementWorks, Inc., 2008, Free
http://www.retirementworks2.com/pdfs/Home_Equity-UNH.pdf
Discusses the pros and cons of several possible ways to get at your home equity. |
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| Atlantic Publishing Co., 2008, $24.95
http://www.amazon.com/When-Have-Bankruptcy-Step---Step/dp/160138209X/ref=sr_1_4?s=books&ie=UTF8&qid=1280336848&sr=1-4
One of the more helpful books on personal bankruptcy. |
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| http://www.bankruptcyinformation.com/, Free
Helpful overall information about personal bankruptcy, plus links to state-by-state forms, statistics, legal, and court information. |
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| AARP Public Policy Institute, July 2009
http://assets.aarp.org/rgcenter/econ/bulletin_debt_09.pdf
Rainville finds that those age 18-49 and those age 50+ do not differ in regard to their levels of debt and their ability to take action to reduce these financial obligations. |
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| RetirementWorks, Inc., 2009, Free
http://www.retirementworks2.com/pdfs/Reverse_Mortgages-UNU.pdf
Information about when and how to use a reverse mortgage to pay expenses late in life. |
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| Wiley, 2007, $19.95
http://www.amazon.com/Mortgage-Ripoffs-Money-Savers-Re-Finance/dp/0470097833/ref=sr_1_4?s=books&ie=UTF8&qid=1280515694&sr=1-4
A highly-regarded book on this subject that continues to offer a great deal of useful advice (but keep in mind that in the aftermath of the 2009-2010 crash, some of the rules have changed). |
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| Boston College Center for Retirement Research, July 2009, Free
http://crr.bc.edu/images/stories/Briefs/ib_9-15.pdf
Webb argues that you should carry a mortgage into retirement, but instead pay off the mortgage if liquidity allows, since you will be unlikely to achieve risk-free investment returns that exceed your mortgage interest rate. |
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| http://www.fool.com/personal-finance/home/60-second-guide-to-smart-refinancing.aspx, Free
Basic sound advice on refinancing when you have an adjustable rate mortgage. |
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| http://www.bankruptcychapter7information.com/, Free
Detailed information about Chapter 7 banckruptcy, including state-by-state lists of property exempt from creditor claims in bankruptcy. |