{"product_id":"put-your-debt-on-a-diet-isbn-9780470833490","title":"Put Your Debt on a Diet","description":"\u003cb\u003eYou could be just two paycheques away from bankruptcy!\u003c\/b\u003e  \u003cp\u003eMore people are up to their eyeballs in debt than ever before. Canadian families currently owe over $450 billion. That’s almost $15,000 in debt for every man, woman, and child in the country. It's mortgages, vehicles, credit cards, student loans, and more … and it's dangerous. The number of consumer bankruptcies has been rising dramatically every year, and Canadians from all walks of life are in dire financial straits — from the working poor to the highest-income professionals. No one is immune from crushing debt, and it will just get worse if we don't take control \u003ci\u003enow\u003c\/i\u003e.\u003c\/p\u003e \u003cp\u003eEffectively managing your debt is one of the first—and most important — steps toward your financial health. \u003ci\u003ePut Your Debt on a Diet\u003c\/i\u003e takes the mystery and fear out of the process of overcoming even the most severe financial problems.\u003c\/p\u003e \u003cul\u003e \u003cli\u003eShows you how to effectively reduce and eliminate debt using realistic and down-to-earth techniques.\u003c\/li\u003e \u003cli\u003eProvides a clear process and achievable milestones that you and your family can use to improve money management skills and resolve debt problems.\u003c\/li\u003e \u003cli\u003eIncludes comprehensive coverage on: assessing your debts, building better money habits, setting financial goals, budgeting strategies, credit counselling, debt reduction strategies, using credit cards wisely, how to shop for credit, and much more.\u003c\/li\u003e \u003cli\u003eFeatures practical examples, tips, frequently-asked-questions, worksheets, and checklists to help you reduce your debt load.\u003c\/li\u003e \u003c\/ul\u003e \u003cp\u003eWhether you're in financial crisis, or just living too close to the edge, \u003ci\u003ePut Your Debt on a Diet\u003c\/i\u003e is the ultimate reducing plan to help you trim your debt load and put you on the road to good financial health.\u003c\/p\u003e  \u003cb\u003eAcknowledgements.\u003c\/b\u003e  \u003cp\u003e\u003cb\u003eRequest to You, the Reader.\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eIntroduction.\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter One: Weighing In: Assessing Your Financial Picture.\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eFacing the Scale.\u003c\/p\u003e \u003cp\u003eExamining Your Money Attitudes.\u003c\/p\u003e \u003cp\u003eSetting Your Goals.\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter Two: Taking Control: Changing How You Manage Your Finances.\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eRethinking Your Debt Tolerance.\u003c\/p\u003e \u003cp\u003eTake Advantage of Available Services.\u003c\/p\u003e \u003cp\u003eIndependent Debt Management.\u003c\/p\u003e \u003cp\u003eDealing with Addictions.\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter Three: Your Budget: Five Steps to a More Beautiful Bottom Line.\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eStep One.\u003c\/p\u003e \u003cp\u003eStep Two.\u003c\/p\u003e \u003cp\u003eStep Three.\u003c\/p\u003e \u003cp\u003eStep Four.\u003c\/p\u003e \u003cp\u003eStep Five.\u003c\/p\u003e \u003cp\u003eDietary First Aid.\u003c\/p\u003e \u003cp\u003ePutting Your Budget to Work.\u003c\/p\u003e \u003cp\u003eA Final Word About Budgets.\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter Four: Taming the Scale: Steps to Reducing Your Debt.\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eCredit Report Basics.\u003c\/p\u003e \u003cp\u003eHow to Check Your Report.\u003c\/p\u003e \u003cp\u003eThe Importance of Review.\u003c\/p\u003e \u003cp\u003eFixing Mistakes.\u003c\/p\u003e \u003cp\u003eCredit Scoring.\u003c\/p\u003e \u003cp\u003eDealing with Collection Agencies: Know Your Rights.\u003c\/p\u003e \u003cp\u003eNegotiating with a Collection Agent.\u003c\/p\u003e \u003cp\u003eChoosing a Diet Plan: Debt-Reduction Strategies.\u003c\/p\u003e \u003cp\u003eConsolidation Loans.\u003c\/p\u003e \u003cp\u003eLines of Credit.\u003c\/p\u003e \u003cp\u003eAssets: Finding Your Hidden Dollars.\u003c\/p\u003e \u003cp\u003eRebuilding (or Building) a Credit History.\u003c\/p\u003e \u003cp\u003eLoans.\u003c\/p\u003e \u003cp\u003eSecured Credit Cards.\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter Five: Legally Speaking: Serious Options for Serious Debt Disorders.\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eOrderly Payment of Debts.\u003c\/p\u003e \u003cp\u003eConsumer Proposals.\u003c\/p\u003e \u003cp\u003ePersonal Bankruptcy.\u003c\/p\u003e \u003cp\u003eThe Bankruptcy Process.\u003c\/p\u003e \u003cp\u003eIncome Taxes and Bankruptcy.\u003c\/p\u003e \u003cp\u003eYour Duties as a Bankrupt.\u003c\/p\u003e \u003cp\u003eDischarge from Bankruptcy.\u003c\/p\u003e \u003cp\u003eYour Future After Bankruptcy.\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter Six: Staying on Track: Purchasing and Spending Strategies.\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eEmergency Purchases.\u003c\/p\u003e \u003cp\u003eMajor Purchases.\u003c\/p\u003e \u003cp\u003eFurniture\/Appliances.\u003c\/p\u003e \u003cp\u003ePurchasing a Vehicle.\u003c\/p\u003e \u003cp\u003eNew or Used.\u003c\/p\u003e \u003cp\u003eFinancing.\u003c\/p\u003e \u003cp\u003eLeasing.\u003c\/p\u003e \u003cp\u003eBuying a Home.\u003c\/p\u003e \u003cp\u003eFinancing.\u003c\/p\u003e \u003cp\u003ePlanning a Vacation.\u003c\/p\u003e \u003cp\u003eHoliday Shopping.\u003c\/p\u003e \u003cp\u003eCredit Tools.\u003c\/p\u003e \u003cp\u003eMortgages, Loans, and Credit Lines.\u003c\/p\u003e \u003cp\u003eStudent Loans.\u003c\/p\u003e \u003cp\u003eCredit Cards.\u003c\/p\u003e \u003cp\u003eConsumer Be Wary!\u003c\/p\u003e \u003cp\u003ePayday Loans\/Cheque Cashing Services.\u003c\/p\u003e \u003cp\u003eWhite-Label or No-Name ATMs.\u003c\/p\u003e \u003cp\u003eInternet Shopping: The New Frontier in E-commerce.\u003c\/p\u003e \u003cp\u003eOnline Auctions.\u003c\/p\u003e \u003cp\u003eScam Busting.\u003c\/p\u003e \u003cp\u003eHigh-Pressure Sales Tactics.\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter Seven: Coping with the Unforeseen: How to Handle Dietary Setbacks.\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eJob Loss.\u003c\/p\u003e \u003cp\u003eSeparation and Divorce.\u003c\/p\u003e \u003cp\u003eIncapacitation.\u003c\/p\u003e \u003cp\u003eDeath and Intestacy.\u003c\/p\u003e \u003cp\u003eDebts Owed to You.\u003c\/p\u003e \u003cp\u003eA Final Word.\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter Eight: Taxes: Avoiding Income Indigestion.\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eFiling Your Return.\u003c\/p\u003e \u003cp\u003ePenalties and Interest.\u003c\/p\u003e \u003cp\u003eLate Filing Need-to-Knows.\u003c\/p\u003e \u003cp\u003eNotice of Assessment.\u003c\/p\u003e \u003cp\u003eTax-Saving Strategies.\u003c\/p\u003e \u003cp\u003eDeductions.\u003c\/p\u003e \u003cp\u003eTax Credits.\u003c\/p\u003e \u003cp\u003eExcluded Benefits.\u003c\/p\u003e \u003cp\u003eTax Planning for the Investor.\u003c\/p\u003e \u003cp\u003eTips for the Self-Employed.\u003c\/p\u003e \u003cp\u003eTips for Spouses.\u003c\/p\u003e \u003cp\u003eBeyond Paying: Other Tax Responsibilities.\u003c\/p\u003e \u003cp\u003eAccountability.\u003c\/p\u003e \u003cp\u003eChanges to Already-Filed Returns.\u003c\/p\u003e \u003cp\u003eNETFILE and Other CCRA Services.\u003c\/p\u003e \u003cp\u003ePhone Filing.\u003c\/p\u003e \u003cp\u003eAudits.\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter Nine: Balancing Your Kids: Sharing Your Financial Health.\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eAllowances.\u003c\/p\u003e \u003cp\u003eSetting the Rules.\u003c\/p\u003e \u003cp\u003eHow Much?\u003c\/p\u003e \u003cp\u003eHow Often?\u003c\/p\u003e \u003cp\u003eWhen?\u003c\/p\u003e \u003cp\u003eIncreases.\u003c\/p\u003e \u003cp\u003eDealing with a Child's Financial Disasters.\u003c\/p\u003e \u003cp\u003eBig-Ticket Items.\u003c\/p\u003e \u003cp\u003ePayment for Odd Jobs.\u003c\/p\u003e \u003cp\u003eWho Controls the Spending?\u003c\/p\u003e \u003cp\u003eSavings Programs and Bank Accounts.\u003c\/p\u003e \u003cp\u003eSetting up a Savings Program.\u003c\/p\u003e \u003cp\u003eWhen Should Your Child Open a Bank Account?\u003c\/p\u003e \u003cp\u003eTweens and Teens.\u003c\/p\u003e \u003cp\u003ePeer Pressure.\u003c\/p\u003e \u003cp\u003eGrowing Independence.\u003c\/p\u003e \u003cp\u003eIncreased Responsibility.\u003c\/p\u003e \u003cp\u003ePremature Affluence.\u003c\/p\u003e \u003cp\u003eCredit Cards for Tweens.\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter Ten: Taking Care of the Future: Planning for Financial Success.\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eForesight: Guarding Against Dietary Setbacks.\u003c\/p\u003e \u003cp\u003eEstate Planning.\u003c\/p\u003e \u003cp\u003eDrawing up a Will.\u003c\/p\u003e \u003cp\u003ePowers of Attorney.\u003c\/p\u003e \u003cp\u003eLife Insurance.\u003c\/p\u003e \u003cp\u003eDisability Insurance.\u003c\/p\u003e \u003cp\u003eHousehold Insurance.\u003c\/p\u003e \u003cp\u003ePlanning: Looking Ahead to a Healthy Financial Future.\u003c\/p\u003e \u003cp\u003eSaving for Education.\u003c\/p\u003e \u003cp\u003eRegistered Education Savings Plans (RESPs).\u003c\/p\u003e \u003cp\u003eFamily Trusts.\u003c\/p\u003e \u003cp\u003eLife Insurance.\u003c\/p\u003e \u003cp\u003eRetiring Your Mortgage.\u003c\/p\u003e \u003cp\u003eSaving for Retirement.\u003c\/p\u003e \u003cp\u003eRegistered Retirement Savings Plans (RRSPs).\u003c\/p\u003e \u003cp\u003eRegistered Retirement Income Funds (RRIFs).\u003c\/p\u003e \u003cp\u003eAnnuities.\u003c\/p\u003e \u003cp\u003eMeeting the Shortfall.\u003c\/p\u003e \u003cp\u003eReverse Mortgages.\u003c\/p\u003e \u003cp\u003eOther Alternatives.\u003c\/p\u003e \u003cp\u003eA Word About Investing.\u003c\/p\u003e \u003cp\u003e\u003cb\u003eConclusion.\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eAppendix A: Monthly Income and Expense Statement.\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eAppendix B: Calculating Your Family's Net Worth.\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eAppendix C: Credit Counselling Agencies in Canada.\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eAppendix D: Provincial Consumer Protection Agencies.\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eAppendix E: Summary of Intestacy Laws in Canada.\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eGlossary.\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eFrequently Asked Questions.\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eBibliography.\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eIndex.\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eAbout the Author.\u003c\/b\u003e\u003c\/p\u003e \u003cb\u003eStanley J. Kershman\u003c\/b\u003e is a lawyer and specialist in bankruptcy and insolvency law as certified by the Law Society of Upper Canada, with the Ottawa, Canada law firm of Perley-Robertson, Hill \u0026amp; McDougall LLP where he heads up their Bankruptcy and Insolvency Department. Raised in a one-bedroom apartment that he shared with his parents and brother, he began working at age eight in his family's drycleaning business, learning very early the responsibilities of money. Stanley credits his humble roots with the financial savvy he has today, and is committed to sharing his more than 25 years of professional experience with those who want to reduce their debts and take control of their finances.  \u003cb\u003eYou could be just two paycheques away from bankruptcy!\u003c\/b\u003e  \u003cp\u003eMore people are up to their eyeballs in debt than ever before. Canadian families currently owe over $450 billion. That's almost $15,000 in debt for every man, woman, and child in the country. It's mortgages, vehicles, credit cards, student loans, and more…and it's dangerous. The number of consumer bankruptcies has been rising dramatically every year, and Canadians from all walks of life are in dire financial straits—from the working poor to the highest-income professionals. No one is immune from crushing debt, and it will just get worse if we don’t take control \u003ci\u003enow\u003c\/i\u003e.\u003c\/p\u003e \u003cp\u003eEffectively managing your debt is one of the first—and most important—steps toward your financial health. \u003ci\u003ePut Your Debt on a Diet\u003c\/i\u003e takes the mystery and fear out of the process of overcoming even the most severe financial problems.\u003c\/p\u003e \u003cul\u003e \u003cli\u003eShows you how to effectively reduce and eliminate debt using realistic and down-to-earth techniques.\u003c\/li\u003e \u003cli\u003eProvides a clear process and achievable milestones that you and your family can use to improve money management skills and resolve debt problems.\u003c\/li\u003e \u003cli\u003eIncludes comprehensive coverage on: assessing your debts, building better money habits, setting financial goals, budgeting strategies, credit counselling, debt reduction strategies, using credit cards wisely, how to shop for credit, and much more.\u003c\/li\u003e \u003cli\u003eFeatures practical examples, tips, frequently-asked-questions, worksheets, and checklists to help you reduce your debt load.\u003c\/li\u003e \u003c\/ul\u003e \u003cp\u003eWhether you're in financial crisis, or just living too close to the edge, \u003ci\u003ePut Your Debt on a Diet\u003c\/i\u003e is the ultimate reducing plan to help you trim your debt load and put you on the road to good financial health.\u003c\/p\u003e \u003cp\u003e\"Debt does not have to be a four-letter word. Everyone during their lifetime will inevitably take on some debt. But understanding it, and learning how to manage and control it, are crucial to everyone's financial success. This book is an excellent guide to putting borrowed money in perspective and making it work for you.\"\u003cbr\u003e—\u003cb\u003eDavid Cork, Author of \u003ci\u003eThe Pig and the Python\u003c\/i\u003e\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\"Acting as a coach, Stanley Kershman helps you avoid getting into financial trouble and throws you a lifeline if you do. Readers can happily gorge themselves on his high-fibre and healthy recipes.\"\u003cbr\u003e—\u003cb\u003eEllen Roseman, Business Columnist, Toronto Star, and Author of \u003ci\u003eMoney 101\u003c\/i\u003e and \u003ci\u003eMoney 201\u003c\/i\u003e\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\"A very practical guide for families who find themselves burdened with excessive debt, and for those who want to avoid becoming overly indebted.\"\u003cbr\u003e—\u003cb\u003eCharles Freedman, Former Deputy Governor, Bank of Canada\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\"The best way to avoid financial difficulties is to have a thoughtful and realistic financial plan. Stanley Kershman's book offers all the necessary ingredients to create a recipe for financial success.\"\u003cbr\u003e—\u003cb\u003ePierre Ouellette, Executive Director, Ontario Association of Credit Counselling Services\u003c\/b\u003e\u003c\/p\u003e","brand":"Wiley","offers":[{"title":"Default Title","offer_id":47989890973925,"sku":"NP9780470833490","price":26.95,"currency_code":"USD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1842\/7735\/files\/9780470833490.jpg?v=1761785810","url":"https:\/\/k12savings.com\/products\/put-your-debt-on-a-diet-isbn-9780470833490","provider":"K12savings","version":"1.0","type":"link"}