***SECOND EDITION***This book IS about negotiating forgiveness for your credit card debt by writing your creditor one simple negotiation letter and what to do if the creditor refuses to negotiate. If you owe money on your credit cards and cannot make payments anymore because of financial difficulty, this book is for you. I owed over $100,000 in credit card debt and the debt was hurting my life. I had trouble sleeping at night thinking how long my ever-increasing debt would continue to gnaw at me. Even if I could afford to make the minimum payments and do not borrow anymore, with interest of 25% APR, I will still owe a lot of money after many years of making only minimum payments. The interest alone would total close to $100,000. It took a year of trial and error, hours on the phone and writing meaningless letters most of which I copied from the internet before I saw the light at the end of the tunnel. None of the free advice and letters in the internet worked because the truth is I was not insolvent. I did not qualify for bankruptcy protection. I could have paid my credit card debt by liquidating my assets, selling my house, but that would have been devastating for my family. I kept on thinking of a way for my creditors to reduce my debt. I finally came up with The Letter that uniformly worked in negotiating down my debt. After mailing The Letter to my creditors, I received a reply from one of them offering to accept 50% of what I owed as full payment of my debt. I countered with 5%. We finally agreed on 10% of the original amount as full and final settlement of my balance. Considering I had not paid them for a year, I accumulated a little cash, so I was happy to grab the offer and pay the 10%. I had five credit cards with large balances and The Letter worked satisfactorily on four of the accounts. I settled the 4 accounts for between 5% and 15%. The last hold-out, surprisingly the account with the smallest balance at $13,000 chose to take me to arbitration. This negotiation-resistant creditor perceived that they might collect more money from me that way but they were wrong. I was surprised that not one of the 4 creditors even referred to the contents of The Letter or attempted to verify what I had written in the letter. The Letter aims to convey this message: "Take my final settlement offer or sue me. But if you sue me, you will lose". Ken Clark, author of The Complete Idiot's Guide to Getting Out of Debt: "So many people are trying to get their balances reduced, you call and try to negotiate a balance, and it's 'Get in line.'" The card company's attitude may be, "Yeah, you and everybody else"". My Comment – That’s because you called to negotiate instead of sending them The Letter shown towards the end of this book. Trust me there aren’t that many accounts in default as a percentage of the whole or our banking system would collapse. If you write "The Letter", the creditor will put you at the front of the line.Brian Tawney, Director of Clear One Advantage: "Based on experience negotiating with creditors, debt settlement companies know what percentage of debt owed each creditor is likely to agree to. We use an algorithm that considers 140 different variables and tells us the accounts that have the highest opportunity to settle at any given time. We negotiate in bulk. We can negotiate thousands of cases and get a better settlement for everyone". Translation: Debt Settlement Agencies take only the easy cases that's why they "negotiate in bulk". If they have to spend more time on your case because you have wages a creditor can garnish and assets they can put a lien on, they will not take your case. I like my system better. You write "The Letter" which begs creditors to forgive 85% to 95% of your debt. The creditors can take it or leave it. If they take it, you win. If they leave it, they lose.

Say goodbye to scratching your head in confusionThis book on taxes could be the answer you're looking for...Filing taxes is something every business in America needs to do and there is a lot that needs to be learned in this process. It does not matter if you are self-employed or own a limited liability company (LLC). You need to know what the difference is regarding taxes and how to get the most out of your return. Payroll taxes may seem scary. However, you will start to see how simple they are as you read through Chapter 2 of this book. Do you know what deductions you can make as an individual taxpayer and as a business? There are so many tax breaks for a small business that you need to consider. You will see the updated information for deductions and credits that are available to you based on the new GOP tax bill. Best of all, learn how to make the new tax bill work for you so you can maximize your deductions.With the help of this book, you will learn how you can get through those grueling audits and survive the pressure of Uncle Sam and his squad of tax informants. If you have not filed the previous year’s taxes, then you may want to check out Chapter 5 as we discuss IRS survival and this particular issue. In chapter 6, you will learn how to make your business taxes work for your business. As a special bonus, in chapter 7, you'll get examples of each of the IRS forms discussed throughout the chapters so you can see what they look like and their purpose.Here are just some of the topics that are discussed within this book:Differences Between LLC and Self-Employed TaxesPayroll Taxes and How to Best Manage ThemKnowing Your Tax Deductions, Exemptions and CreditsCapital Gains and LossesYour Business and the IRSMaking Your Business Taxes Work for YouForms for SuccessSo, what are you waiting for? Start your learning now by downloading this magnificent book

Practically Independent: Practical Advice to Become Financially Independent is a no-nonsense guide to help you take control of your finances, full of practical advice that you can use to immediately improve your finances. The book outlines the strategy I have used to escape living paycheck-to-paycheck, lower the cost of my debt, get paid for having money, and protect what I have built.Inside the book are tools, tips, and guides to help you manage cash, manage credit, manage investments, and manage risk.If you are looking for a get-rich-quick scheme, this book is not for you. On the other hand, if you are looking for a practical approach to take control of your finances with real-world advice that you can start implementing today, then this is the book for you.The entire strategy to take control of your finances is in the book Practically Independent: Practical Advice to Become Financially Independent, available in both Paperback and eBook editions.Practical advice to become financially independent broken down into four steps.1. Managing Cash: Being trapped living paycheck-to-paycheck is absolutely awful. Find out how to break the cycle by treating personal finances like a small business. Nobody likes budgets, and any personal financial advice that starts with "create an in-depth budget" is the worst. This approach does not require building a budget for groceries, lattes, or anything else! Instead, separate income from expenses and watch your savings grow.2. Managing Credit: The interest rate you pay when you borrow money depends significantly on your credit report and your credit score. This book outlines a specific strategy to build a credit report with a step-by-step checklist to build your FICO score and lower the cost of borrowing money.3. Managing Investments: Investing is not gambling. If your strategy leaves you hoping that markets go up and scared that they will go down, then you are gambling. Instead, learn how to build a strategy that works when the market goes up and when it goes down. You can build a portfolio that systematically and regularly pays you for having money. A strategy that will actually pay you more as you get older and further into retirement.4. Managing Risk: When you have built up your savings, your credit, and your investments, then you have a lot to lose if something unexpected happens. To protect what you have built, it is important to have three kinds of insurance: Health, Property, and Life. But, what kind, how much, and for how long? This book has an approach to help you decide how much insurance is enough.About the author - Jay Rigler has a BA and an MA in economics, and his career has included personal financial advising, risk management at a major credit card, and analytics for a top tier advertising agency. Here is an excerpt from the About Me section of the book:"In 2010, after two years at the advertising agency, I was thoughtfully living the financial life you are going to learn about if you read through the rest of this book. I decided that I was not going to let my spending increase with my income. I had separated my income from my spending. I was building my credit while reducing my debt. I was getting paid for having money. I was running my personal finances like a small business."In the middle of 2014, I was able to shift my career again. I set up an online business, replaced my main income with my side hustle, and was able to leave the rat race behind. I'm not going to go into how I set up my side hustle in this book. That is a very specific path that is not right for everyone. In this book, I want to focus on financial advice and tools that are right for everyone. I want to share my practical tips to become financially independent. I am going to focus on tips that will work whether you earn a salary, an hourly wage, commissions, or are self-employed."

Bamboo Strong is not a book about leadership theory or philosophy, although it is backed up by proven scholarly research. It is about leadership in action.We are living in an age when our workgroups are more diverse than ever before, and there is an increasing need for flexible global leadership across borders and cultures. This book focuses on you, on what you can do to develop and adapt your behavior for all cross-cultural situations.It provides guidance, insights, and personal examples to motivate, inspire, and reward you by taking specific actions to develop your cultural intelligence. However, this is not a book you can skim through hoping to pick up a few pointers. The perspectives it offers are incremental; the vision it presents grows broader and deeper the more you read.David shows us that to become successful Bamboo Leaders we must develop both resilience and flexibility, just like the bamboo bends with the wind but is rooted in strength. Transformation is achieved through daily practice, discipline, and above all by embracing diversity in our daily actions without losing our authenticity.The book’s theme resonates strongly with me. Cross-cultural confidence sophistication are fast becoming life skills that global CEOs and their senior teams neglect at their peril. Even organizations that don’t operate internationally can benefit from a culturally intelligent strategy for diverse workforces, generations, geographies, and functions. If you want to succeed in the global marketplace, and to lead more effective, high-performing teams at home, this is the book for you. - Marshall Goldsmith, #1 Leadership Thinker in the World

AMAZON BESTSELLER IN LEADERSHIPAMAZON BESTSELLER IN WOMEN & BUSINESSAMAZON BESTSELLER IN TEAMSLeadership is about influenceEmily is a career-driven thirtysomething with big ambitions and a young family. She is making an impact as a leader at a tech company, but after being passed up for multiple promotions, she finds herself at a loss for how to improve. Fate answers her in the form of a kind—and surprisingly direct—older man in a coffee shop. A well-respected CEO before he retired, David has deep and rich leadership knowledge. Emily needs direction, and David is the perfect mentor.Growing Influence offers readers both practical advice on how to develop leadership skills and a relatable account of one woman’s growth by applying the principles in the book. Unlike nonfiction business books or business memoirs, this story is a business fable that is both impactful and transformative.

Decide today to succeed in business and in life, it’s easy when you know how.Wes Berry built a remarkable $60 million-dollar international business from his family’s small florist shop, which began in Detroit. Now, in his extraordinary new book, he shares what he has learned over the years about leadership and business growth.  In many businesses that fail, the small things are overlooked; they are the things that are often the easiest to implement, but at the same time they are easy to forget.  It’s these small things that have the greatest impact in the long-term.Neglecting small things can be the difference between failure and success. Gleaning from his personal endeavors in business, Wes instructs and encourages you to take full responsibility as a leader. Drawing on insights from great leaders throughout history, he guides you through the key tasks that made them successful—tasks that will enable you to find complementary employees and associates whom you can help develop in the very same way. With each turn of the page, you’ll gain knowledge from strategists such as Sun Tzu, General Douglas MacArthur and Sam Houston that will help you grow in business as well as life. Everyone has to start somewhere in this great game of Business and Life. As Wes himself has learned, those Small Beginnings often inexorably lead to some mighty Big Things!Wesley Berry started working at his family’s Detroit-based florist shop when he was just a teenager. He quickly demonstrated a strategic style of management that propelled it from a $60K per year business to a $60 million-dollar international business operating in 130 different countries. In 2016, after 40 years in business, he sold it to “retire” and follow other passions.Through the years, he's provided consulting services to over forty businesses and has appeared as a guest on NPR, The Wall Street Journal, The London Times, Entrepreneur and Time magazines, Fox News, Neil Cavuto, Geraldo Rivera, and John Stossel, to name a just few.As Wes says,“ The “Big Things”—the successes—all start with some very small beginnings.”If you want the Big Things to come your way, read this book and be the one who wins the Great Game.