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Ebook Pay It Down!: From Debt to Wealth on $10 a Day by Jean Chatzky read! Book Title: Pay It Down!: From Debt to Wealth on $10 a Day
The author of the book: Jean Chatzky
Edition: Portfolio
Date of issue: January 3rd 2006
Loaded: 2133 times
Reader ratings: 4.9
ISBN: 159184116X
ISBN 13: 9781591841166
Language: English
Format files: PDF
The size of the: 580 KB
City - Country: No data

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The first few chapters of this are really good. After that it is, at best, outdated; at worst, irresponsible. Although, the first few chapters are worth the price of the book. They provide a good, rational, well-thought look at the day-to-day reality of personal finance. There is nothing there that most people can't figure out on their own, but most of us don't.

As for the rest of the book, first of all, it was evidently written in 2004. My edition was copyrighted in 2007. The world has changed, especially with respect to personal credit, credit card interest rates and credit card companies' in-house policies regarding things like interest rate reductions.

Parts of the book are irresponsible. The author makes the point when ranking the consequences of what debt to pay and speaking about collectors for credit cards:

"Because other than damaging your credit rating and your credit score (not the best scenario in the world, but also not the worst), there's very little these lenders can do to you. There's no collateral behind the money you owe them. There's nothing they can even try to take from you. . . . For now, it's their loss."

Well, in my State, they can sue, take a judgment against you and start garnishing your wages taking 25% of your GROSS income until paid including attorneys fees, interest and court costs. Now, I agree with the point that she is making -- food, utilities and taxes should come first; but at that point she should advise people to make sure that they understand what collection tools are available to collection agencies in their State.

Other parts of the book are simply naive, like her lack of understanding of mortgage securitization -- but then, very few people had any real understanding of that in 2004 when this book was first written. Parts of the book are incomplete. She discusses the advantages and disadvantages of debit cards v. credit cards without mentioning the different sets of legal rights, responsibilities and protections behind them.

Read the first chapters of this book, but once you start reading anything with legal consequences, do your own research.


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Reviews of the Pay It Down!: From Debt to Wealth on $10 a Day


ADAM

Energy text

BENJAMIN

You want to waste your time? This book fits perfectly.

EVELYN

How many times did I read ...-not boring! )))

MATTHEW

Something a favorite author wrote.

EVIE

The book that found the answer to my question




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