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Saving the Family Cottage: A Guide to Succession Planning for Your Cottage, Cabin, Camp or Vacation Home
by David S. Fry Attorney Rose Hollander Stuart Hollander AttorneyWhether you’re a parent planning to pass on a cottage to your children, someone who has inherited a cabin with your siblings or other relatives, or someone who is thinking about buying a vacation home, you want to know how to keep the property in the family—and avoid squabbles over it. This book tells you how. You’ll find out how to: Prevent a family member from forcing a sale of the cottage. Keep your cottage out of the hands of in-laws and creditors. Develop a legal structure to take care of the business of ownership, freeing you and your family to enjoy your precious time at the cottage. Make a smooth transition from one generation’s ownership to the next. Saving the Family Cottage explains the problems that almost always pop up when family members with different interests and financial situations inherit a vacation home together. And it offers solutions for families who want to preserve this valuable asset for generations to come.
Saving the Family Cottage
by Stuart HollanderNow published by Nolo, Saving the Family Cottage is written in plain English by estate planning and succession attorney-experts Stuart Hollander and David S. Fry, to help you plan to pass on your vacation home and keep it in the family. Complete with real-world examples and stories of cottage "wars" gone awry, this book breaks down the essentials for passing your cottage to the next generation. Find out how to: -figure out which estate planning entity is right for you and your family -develop a cottage schedule -deal with co-owners who fail to pay their assessments -decide whether to establish an endowment -allocate control between and within generations of owners Although the term "cottage" is used throughout, the practical advice from the authors applies to any property that a family wants to retain. With information for owners, attorneys and financial planners, this guide to succession planning makes a complex problem understandable and offers concrete solutions to what can be a delicate family matter. This edition acknowledged the addition of Attorney David S. Fry as an author of the book and successor to the author's cottage law practice. The updated edition is now published by Nolo and has been revised to include the latest state and federal rules that apply to vacation home owners, including fully up-to-date estate tax information.
Saving the Market from Itself
by Christopher MitchellThe 2007–9 financial crisis threatened economic disaster on a scale not seen since the Great Depression, but rapid state action prevented the widely feared devastation. The German response was considerably more generous to banks than the American or British bailouts. Drawing on interviews and primary sources in government, private firms, and media, Mitchell explains how the structure of national financial systems and interbank relationships produced extensive private rescues and pressure on different states. Mitchell explores the different responses and results in Germany, the UK and the US using a combination of detailed case study analyses of the three countries' responses to the crisis and a quantitative analysis of patterns of state responses to financial crises. This book will be essential reading for scholars and advanced students of political economy, comparative politics, economic sociology, economics, and public policy.
Saving the Media: Capitalism, Crowdfunding, and Democracy
by Julia Cage Arthur GoldhammerJulia Cagé explains the economics and history of the media crisis and offers a solution: a nonprofit media organization, midway between a foundation and a joint stock company, supported by readers, employees, and innovative financing such as crowdfunding. Her business model is inspired by a central idea: that news, like education, is a public good.
Saving the Sun: How Wall Street Mavericks Shook Up Japan's Financial World and Made Billions
by Gillian TettSaving the Sun tells the story of the world's largest private equity deal where American investors made billions of dollars rehabilitating Shinsei, a failed Japanese bank. Within that business saga is the dramatic tale of Japan's brightest financial minds, the men who made the Japanese economic miracle come to life, and their struggle against the economic failure in the 1990s. Into this climate of despair, where Japan seemed incapable of reviving prosperity, came a group of wily and determined Americans who would discover just how different the Japanese really are.
Saving the World: A Brief History of Communication for Devleopment and Social Change
by Emile G. McananyThis far-reaching and long overdue chronicle of communication for development from a leading scholar in the field presents in-depth policy analyses to outline a vision for how communication technologies can impact social change and improve human lives. Drawing on the pioneering works of Daniel Lerner, Everett Rogers, and Wilbur Schramm as well as his own personal experiences in the field, Emile G. McAnany builds a new, historically cognizant paradigm for the future that supplements technology with social entrepreneurship. McAnany summarizes the history of the field of communication for development and social change from Truman's Marshall Plan for the Third World to the United Nations' Millennium Development Goals. Part history and part policy analysis, Saving the World argues that the communication field can renew its role in development by recognizing large aid-giving institutions have a difficult time promoting genuine transformation. McAnany suggests an agenda for improving and strengthening the work of academics, policy makers, development funders, and any others who use communication in all of its forms to foster social change.
Saving the World at Work
by Tim SandersEven the actions of a single person can help to change the world. How? Through simple acts of leadership and compassion. Open up this book, and discover the true stories of people whose actions have caused a chain reaction at work and in their communities. Among them: A manager who gives an employee some supportive praise, and as a result literally saves his life (page 231). A small group of bank tellers who spearhead a movement to raise millions of dollars for breast cancer, making it the biggest fundraiser in North America, and enhancing their company’s reputation (page 213). A sales manager who gets a copy of a groundbreaking book that leads to a transformation of the company’s operations. As a result, hundreds of millions of pounds of carpet waste avoid the landfill, and the company sparks a revolution in its industry (page 12). A “responsibility revolution” is shaking up corporate America. In this provocative and insightful book, bestselling author Tim Sanders reveals why companies must to go beyond making a profit and start making a difference. Every one of us, regardless of title or position, can inspire our companies to change the way they do business, helping them to become a positive force for enriching people, communities, and the environment. When this happens, not only do we help save the world, we help save our companies from becoming irrelevant. We also become part of what Sanders calls the Responsibility Revolution. Companies that don’t participate in this revolution risk becoming obsolete. Today customers, employees, and investors are demanding that companies focus on their social responsibilities—not just their bottom lines. Sixty-five percent of American consumers say they would change to brands associated with a good cause if price and quality were equal; 66 percent of recent college graduates will not work for companies with poor social values. And more than sixty million people are willing to pay a premium for socially and environmentally responsible products. In SAVING THE WORLD AT WORK, Tim Sanders offers concrete suggestions on how all of us can help our companies join the Responsibility Revolution. Drawing on extensive interviews with hundreds of employees and CEOs, and illuminated by countless stories of people who are making a difference in the workplace and in the world, Sanders offers practical advice every individual and company can use to make the world a better place--now and in the future.
Saving Time: Discovering a Life Beyond the Clock
by Jenny OdellWe are living on the wrong clock, and it is destroying us. The New York Times bestselling author of How to Do Nothing offers us different ways to experience time in this dazzling, subversive, and deeply hopeful book. <p><p>In her first book, How to Do Nothing, Jenny Odell wrote about the importance of disconnecting from the “attention economy” to spend time in quiet contemplation. But what if you don’t have time to spend? <p><p>In order to answer this seemingly simple question, Odell took a deep dive into the fundamental structure of our society and found that the clock we live by was built for profit, not people. This is why our lives, even in leisure, have come to seem like a series of moments to be bought, sold, and processed ever more efficiently. Odell shows us how our painful relationship to time is inextricably connected not only to persisting social inequities but to the climate crisis, existential dread, and a lethal fatalism. <p><p>This dazzling, subversive, and deeply hopeful book offers us different ways to experience time—inspired by pre-industrial cultures, ecological cues, and geological timescales—that can bring within reach a more humane, responsive way of living. As planet-bound animals, we live inside shortening and lengthening days alongside gardens growing, birds migrating, and cliffs eroding; the stretchy quality of waiting and desire; the way the present may suddenly feel marbled with childhood memory; the slow but sure procession of a pregnancy; the time it takes to heal from injuries. Odell urges us to become stewards of these different rhythms of life in which time is not reducible to standardized units and instead forms the very medium of possibility. <p><p>Saving Time tugs at the seams of reality as we know it—the way we experience time itself—and rearranges it, imagining a world not centered on work, the office clock, or the profit motive. If we can “save” time by imagining a life, identity, and source of meaning outside these things, time might also save us. <p> <b>New York Times Bestseller</b>
Savings and Loans and the Mortgage Market
by Robert C. Merton Alberto MoelProvides a brief overview of the history of the savings and loans, the savings and loans crisis of the 1980s and 1990s, and the creation of the mortgage markets in the United States. Also explains briefly the most common types of mortgage-backed securities available.
The Savvy Author's Guide to Book Publicity: A Comprehensive Resource--From Building the Buzz to Pitching the Press
by Lissa WarrenHere is an essential reference for writersufrom the self-published to those published by major housesuwritten by a leading book publicist who pitches books to media every day of her working life. Tapping into her years publicizing such authors as pediatrician Dr. T. Berry Brazelton, poet Mary Oliver, and economist John Kenneth Galbraith, Da Capo Press Senior Director of Publicity Lissa Warren covers book promotion with a publicist, without a publicist, and when a publicist isnOCOt getting results. Each chapter details what happens to a book once itOCOs off press, and how authors can be helpful in the promotion processuor even spearhead it if need beuto get the coverage they deserve. WarrenOCOs advice is buttressed by her stories of authorsuthe enterprising, the shy, the well-prepared, and the noviceurelating tours gone awry, best-sellers made and nearly made, and great and not-so-great author/publicist collaboration. The Savvy AuthorOCOs Guide to Book Publicity covers everything from how to write press material, targeting the right shows and publications, following up effectively with the media, and hiring people who can help ensure that every bookseller and consumer has a chance to hear an authorOCOs message loud and clear. "
Savvy Discounts: The Best Money-saving Advice From America's #1 Cost-conscious Consumer
by Richard Degaris DobleSavvy shoppers can get the very best for the lowest possible price - all from reputable dealers who stand behind their merchandise. This comprehensive book is packed with how-to advice, entertaining stories, and tips to guide readers through the entire shopping experience-from what you need to know before stepping into a shop to what you should do after the sale. With hundreds of ingenious money-saving ideas, this is the perfect guide for every aspiring smart shopper.
The Savvy Guide to Making More Money
by Susan HayesFinancial trainer Susan Hayes believes that everyone, no matter what their circumstances, can learn how to make more money. In The Savvy Guide to Making More Money she gets to the heart of what's stopping you and, in the style of straight-talking money experts like Martin Lewis and Suze Orman, she comes up with practical suggestions whatever your situation.Even at the best of times, making more money can seem daunting. And when it's not the best of times, it can seem impossible. However, you would be amazed how simple it is to fatten your bank balance if you go about it the right way. The Savvy Guide to Making More Money is a one-stop shop where you can equip yourself with strategies to grow your income.From her days as a self-employed student to now running a financial training company, Susan Hayes has always approached the business of making money in a practical can-do way. It has been successful for her and the many people she has worked with. Now she shares her advice and tips with you.Among many other things The Savvy Guide to Making More Money will help you to:· understand why you haven't made more money by now;· learn tried and tested techniques to raising new revenues;· choose the best way to put your money to work for you;· find out who can help you get to your income goals.You don't have to be a business genius to make money. Through a combination of skill and smart thinking you will be amazed at what you can achieve.'Brilliant, absolutely brilliant. I was up till four o'clock this morning reading it, making notes.' The Tom Dunne Show on The Savvy Woman's Guide to Financial Freedom'[She writes with] humourous directness, unflinching good sense and practical advice ... makes me think I can tackle my own issues.' The Herald'A great read ... easy to understand' The SunSusan Hayes is managing director of the international financial training company Hayes Culleton. Her can-do approach to resolving even the stickiest economic questions in her many media appearances (RTÉ, TV3, Today FM, 4FM, Sunday Independent) has seen her become known as the Positive Economist. Her first book was The Savvy Woman's Guide to Financial Freedom.
Savvy Interviewing
by John Van Devender Gloria Van Devender-GravesThe insider's guide to the corporate hiring process- Savvy Interviewing-features interview Dos and Don'ts that could make or break you in two minutes flat. Think you already know? Read on and find out from two Human Resource experts: What you can (and can't) negotiate, What to ask (and not ask) when it's your turn for questions, What to bring (and not bring) to an interview, How to dress and (not to dress) for an interview, What personal information to divulge (and not divulge), What to do (and not do) when you're waiting in the lobby, What to order (and not order) during a restaurant interview, When to shake hands and when to keep them at your side, What words to use on a resume and how to send it electronically (Think you know? Guess again ...), How to handle a group interview, phone interview, behavioral (stress!) interview, and more....
The Savvy Woman's Guide to Financial Freedom
by Susan HayesFinancial trainer Susan Hayes believes that every woman can and should get to grips with money management. In The Savvy Woman's Guide to Financial Freedom she gets to the heart of why you might be having problems and, lIke straight-talking American expert, Suze Orman, she comes up solutions whatever your situation.Think about it ...How many times have you said to yourself, 'This is the year when I finally get to grips with my finances'? But somehow time slips away and twelve months later you are no better off.How many times have you decided to stick to a budget only to see events get in the way and your good intentions frustrated?Do you have a nagging sense that you're not in charge of your money and that your future financial well-being is beyond your control? Even worse, in these challenging economic times, are you so stressed about money that you cannot even begin to see a way out of your situation?Whether you're figuring out how to squeeze enough money from the family budget to save for a much-needed holiday, finally preparing to tackle years of lifestyle debt, or taking a leap of faith and starting your own business, The Savvy Woman's Guide to Financial Freedom is brimful of down-to-earth and encouraging advice, and practical user-friendly methods, to show you how to get where you want to go.By following Susan Hayes's guidance you could find that it takes as little as an hour a week to check your financial well-being, to make sure you are on track to accomplish your goals and to achieve ongoing peace of mind about money.Corkwoman Susan Hayes has had a life-long love affair with business (as a little girl she held board meetings with her teddy bears) and went on to get a BSC in Financial Maths and Economics from NUI Galway. She is managing director of the international financial training company Hayes Culleton. Because of her can-do approach to resolving even the stickiest economic questions in her many media appearances (RTÉ, TV3, Today FM, 4FM, Sunday Independent) she has become known as the Positive Economist.
Sawiris Foundation: Elevating Education in Egypt
by Alpana Thapar Brian TrelstadFounded in 2001 by the Sawiris family, one of the wealthiest families in Egypt, the Sawiris Foundation for Social Development (SFSD) invested in human capital and provision of basic social services for the most marginalized Egyptians. In 2015, Noura Selim's (MBA 2013) arrival triggered a series of changes related to the Foundation's direct-grantmaking efforts, how SFSD evaluated the success of its programs, and the number and nature of partnerships it had with development finance institutions, the private sector, and the government. By June 2021, under Selim's leadership, SFSD achieved success across several fronts. Selim nevertheless felt that the Foundation still had a long way to go in terms of fulfilling its goal to elevate Egypt's education system. Comprised predominantly of public schools, the system delivered low quality education, and resulted in poor learning outcomes, which translated into high youth unemployment. She was in the process of crystalizing SFSD's five-year strategy and wondered how she should balance the allocation of the Foundation's time and financial resources to drive as much change in the education sector as possible.
Saxonville Sausage
by Kate MooreSaxonville Sausage, a $1.5 billion manufacturer of pork sausage products, is experiencing financial stress because its leading product lines have lately produced declining revenues in product categories that are realizing no growth. However, one product line, an Italian sausage brand named Vivio, has recently experienced a significant increase in revenues, as has the entire Italian sausage category nationwide. Unfortunately, Vivio represents only 5% of the company's total revenues. Ann Banks, a seasoned marketing director, has been hired to expand Vivio, currently distributed in a few cities, especially in the northeastern U.S, into a powerful national brand. Depicts the sequence of steps Ann takes to determine the best positioning for the brand. These steps include analyzing and employing specific techniques for researching customers' needs, preferences, and values; using the learning from research to develop a motivation-centered characterization of the target consumer; eliciting tactical ideas from a cross-departmental team of colleagues for product "alterations," packaging, and other contributory elements in the branding program; and finally, choosing between two positionings that seem equally valid.
Say Anything to Anyone, Anywhere: 5 Keys To Successful Cross-Cultural Communication
by Gayle CottonThe five steps to successful selling, negotiating, and managing multi-culturally Say Anything to Anyone, Anywhere gives readers five simple key guidelines to create rapport and organize strategies for success across different cultures.<P><P> This book teaches to be proactive, not reactive, in your cross-cultural communications and shows how to use simple rapport tools to create trust with the cultures you work with or travel to. Learn how to organize productive interactions in person, on the phone, and by email. Discover interpersonal communication skills and virtual strategies that build strong relationships. Offers quick, accessible examples and clear guidelines about how to create an understanding between cultures Gives tips and strategies on how to communicate without offending Author Gayle Cotton is a Emmy Award Winner and a distinguished, highly sought after speaker, corporate trainer, and executive coach. This step-by-step guide to cross-cultural business will help you build strong relationships and manage successfully, no matter the cultural differences.
Say it and Live it: The 50 Corporate Mission Statements that Hit the Mark
by Patricia Jones Larry KahanerSay It And Live It is the first collection of provocative, passionate, and intelligent corporate mission statements--the most powerful and popular managerial tool in business today. A corporate mission statement is the most dramatic presentation of a company's vision and its goal. No other document--annual report, press release, news article, statement from the board of directors--tells us more about a company's values and ethics than a mission statement. Companies know that if they write it down, they will have to live up to it--so they devote months, even years, the energy of people from the CEO on down, and significant sums of money to crafting them. Say It And Live It is the only source of information for the many business people who are presently writing their own mission statements. In it, authors Patricia Jones and Larry Kahaner show that industry leaders are frequently corporations that truly live their mission statements. Some of the winners include: Avis, Ben & Jerry's, Boeing, Citicorp, General Electric, Gillette, Hallmark Cards, IBM, Kellogg's, Reader's Digest, Saturn, Southwest Airlines, UPS, and Xerox. Say It And Live It is a collection of the fifty best corporate mission statements in America. Each entry consists of the company's complete mission statement, along with an explanation of how it was written, a lesson about how that mission statement saved the company or motivated employees, or comments from the CEO or the president. The introduction points out the common elements of these philosophical documents, while the final chapter is a list of tips on how you can write your own mission statement.
Say Less, Get More: Unconventional Negotiation Techniques to Get What You Want
by Fotini IconomopoulosNegotiation without fear, for everyone, everywhere Nicknamed “the negotiator” as a child, Fotini Iconomopoulos has been honing her skills her entire life. As a sought-after expert, for more than a decade she’s been empowering Fortune 500 executives and their teams to achieve their objectives, guiding them through high-stakes scenarios in industries such as consumer packaged goods, retail, professional services, energy, telecommunications, tech and finance. Now for the first time, Iconomopoulos shares her simple and innovative strategies, debunks common negotiation myths and explains why effective negotiation does not follow a one-size fits all/art of the deal approach. In Say Less, Get More you’ll find out how to: Assess where your situation falls on the negotiation spectrum so you can adjust your tactics accordinglyUnderstand who you are negotiating with, their background and their goals, in order to develop your approachDetermine your starting position, your final outcome and a strategy to get thereManage the negotiation process, overcome obstacles and find common groundCommunicate effectively in any scenario, including learning what to say and when to say it if you can’t reach a dealDevelop and foster excellent client relationships and networks Once you are armed with Iconomopoulos’s sensible strategies and proven advice, you’ll be able to confidently get what you want in business and in life.
Say More About That: ...And Other Ways to Speak Up, Push Back, and Advocate for Yourself and Others
by Amber CabralConcrete strategies to call out wrongdoing at home, at work, at school, and elsewhere In Say More About That, veteran inclusion strategist, coach, writer, and speaker Amber Cabral delivers an incisive and practical guide to assertively addressing inequitable treatment you see at home, work, school, and other settings. The book offers a complete communications toolkit for equity advocacy you can deploy on your own behalf and on behalf of others. You&’ll get the tactics, context, and tools that make being brave and speaking up a lot easier. You&’ll also find: A thorough discussion of the fundamentals of inclusion and equity, including concepts of advocacy and allyship, privilege, and identity An examination of the social landscape that makes speaking up so daunting Explorations of the most effective language and tactics you can use when you make a stand for yourself or others The perfect resource for underrepresented professionals, allies, advocates, and people seeking to make a positive difference in the world, Say More About That is the assertiveness manual you need if you&’ve been meaning to speak up but are worried about being drowned out.
Say on Pay: Qualcomm, Inc. Shareholders Vote 'Maybe' in 2012
by Suraj Srinivasan Kelly Baker Charles C.Y. WangThis case centers around Qualcomm shareholders' 2012 Say-on-Pay vote and the dispute between the Institutional Shareholder Services and management regarding the appropriateness of the CEO's compensation plan. Was ISS right that Qualcomm CEO's pay was inflated and justified by benchmarking to aspirational peers? Or was management correct that its CEO's pay is warranted by Qualcomm's recent firm performance?
Say on Pay: Qualcomm, Inc. Shareholders Vote 'Maybe'
by Charles C.Y. Wang Kelly Baker Suraj SrinivasanThis case centers around Qualcomm shareholders' 2012 Say-on-Pay vote and the dispute between the Institutional Shareholder Services and management regarding the appropriateness of the CEO's compensation plan. Was ISS right that Qualcomm CEO's pay was inflated and justified by benchmarking to aspirational peers? Or was management correct that its CEO's pay is warranted by Qualcomm's recent firm performance?
Say the Right Thing: How to Talk About Identity, Diversity, and Justice
by Kenji Yoshino David GlasgowA practical, shame-free guide for navigating conversations across our differences at a time of rapid social change.In the current period of social and political unrest, conversations about identity are becoming more frequent and more difficult. On subjects like critical race theory, gender equity in the workplace, and LGBTQ-inclusive classrooms, many of us are understandably fearful of saying the wrong thing. That fear can sometimes prevent us from speaking up at all, depriving people from marginalized groups of support and stalling progress toward a more just and inclusive society. Kenji Yoshino and David Glasgow, founders of the Meltzer Center for Diversity, Inclusion, and Belonging at NYU School of Law, are here to show potential allies that these conversations don&’t have to be so overwhelming. Through stories drawn from contexts as varied as social media posts, dinner party conversations, and workplace disputes, they offer seven user-friendly principles that teach skills such as how to avoid common conversational pitfalls, engage in respectful disagreement, offer authentic apologies, and better support people in our lives who experience bias. Research-backed, accessible, and uplifting, Say the Right Thing charts a pathway out of cancel culture toward more meaningful and empathetic dialogue on issues of identity. It also gives us the practical tools to do good in our spheres of influence. Whether managing diverse teams at work, navigating issues of inclusion at college, or challenging biased comments at a family barbecue, Yoshino and Glasgow help us move from unconsciously hurting people to consciously helping them.
Say What!? Communicate with Tact and Impact: What to say to get results at any point in an audit (Internal Audit and IT Audit)
by Ann M. ButeraThis book addresses the important role of communication within the context of performing an audit, project, or review (i.e., planning, detailed testing, and reporting). Intended for audit, information security, enterprise, and operational risk professionals at all levels, including those just starting out, Say What!? Communicate with Tact and Impact: What to Say to Get Results at Any Point in an Audit contains an array of practical and time-tested approaches that foster efficient and effective communication at any point during an engagement. The practical and memorable techniques are culled from author Ann M. Butera’s CRP experience as a trusted advisor who has taught thousands of professionals how to develop and hone their interpersonal, communication, and empathic skills. Those familiar with the Five Tier Competency ModelTM she developed will recognize these techniques as a deep dive on the competencies comprising Tier 3: Project Management and Tier 5: Managing Constituent Relations. The author discusses the following behaviors in one’s dealings with executives, process owners, control performers, and colleagues: Demonstrating executive presence Becoming the trusted advisor Influencing others Communicating with tact, confidence, and impact Facilitating productive meetings and discussions Overcoming resistance and objections Managing and resolving conflict Knowing when to let a topic go and move on This book is a guide for professionals who want to interact proactively and persuasively with those they work with, audit, or review. It describes techniques that can be used during virtual, in-person, telephone, or video conferences (as opposed to emails, workpapers, and reports). It provides everyone (newer associates in particular) with the interpersonal skills needed to (1) develop and build relationships with their internal constituents and clients, (2) facilitate conversations and discussions before and during meetings, and (3) handle impromptu questions with confidence and executive presence and make positive first impressions. The topics and techniques discussed are accompanied by case studies, examples, and exercises to give the readers the opportunity to develop plans to bridge the gap between theory and practice. The readers can use the book as a reliable resource when subject matter experts or training guides are not readily available.
Say Yes to No Debt: 12 Steps to Financial Freedom
by DeForest B. Soaries Jr.The founder of the dfree™ movement's twelve attainable steps to financial freedom. This book is not just another financial literacy program that assumes that all people need is information. Drawing on his personal experience and years as a pastor, public policy maker, and community leader, DeForest "Buster" Soaries, Jr. shares a groundbreaking, life-changing approach to financial wellness that views financial bondage as an emotional, spiritual, and psychological problem.The dfree™ movement provides twelve easy, attainable steps to help you:Get started on your debt by admitting the problem, addressing the mess, and adjusting your attitudeGet control by creating a spending plan, becoming accountable, and setting goalsGet ahead by building wealth, planning your will and estate, and celebrating your successAnd give back by investing in others, through tithing, mentoring, and leading your own dfree™ movementIf you want to live a debt-free life with the financial freedom to travel, purchase a home within your means, and enjoy retirement without the burden of pay excess monthly bills, then this book is for you.Eliminating debt is the first step toward financial freedom. And YOU can do it.