Bankruptcy of Our Nation: 12 Key Strategies for Protecting Your Finances in These Uncertain Times Review

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(More customer reviews)Jerry Robinson's timely read, "The Bankruptcy of our Nation", should have come out a year or so ago. But would we have paid attention to this message then? Maybe, but probably not. I know of several other books on this subject that have accurately watched trends and foretold of our current state of affairs that too few people read. But now that we're right in the midst of the economic madness, Robinson offers insight into various aspects of what is affecting our national and global financial issues including world banking, oil, the bailout, and historical perspective. This section is necessary so that we may be aware of trends and how history repeats itself. However, if the reader would only take note of the 12 key strategies the author presents to protect and build the reader's financial state, that would be worth picking up this book. Free online resources, sound Biblical advice and timeless quotes from admirable sources round out the text.


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Surrounded by a host of political and social problems, America stands at the crossroads of a devastating economic crisis - the size and scope of which demands immediate action, while instability and debt loom over the future. America is the greatest debtor nation in history. The value of the dollar is at tremendous risk. Inflation is about to become a huge reality. Crippled by personal debt, local and state governments facing revenue losses, and the federal government struggling to bail out segments of the economy, many Americans are suddenly afraid and uncertain of what the future may bring. Many worry if the United States can even recover from this crisis. Will you and your family financially survive and even thrive during this turbulent time? Bankruptcy of Our Nation gives you vital insight, historical and future perspective, revealing how America got into this mess, and how you can make informed decisions to weather this economic crisis. Don't rely on the government to secure your future - empower yourself with sound economic strategies, solutions, and godly principles today!

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Depression 2.0: Creative Strategies for Tough Economic Times (Process Self-reliance Series) Review

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(More customer reviews)This book promises a lot and delivers very little. It can be described as a mixture of 1) A vague retelling of what caused our economic woes, 2) Obvious "advice" such as reminding you that in hard times you can move back in with your parents, and 3) Stern admonitions about how decadent modern society is and how much better off we'd all be if our standard of living is reduced to roughly that of the medieval peasant engaged in subsistence farming and participating in a barter economy.
Now, I'm an odd enough person that I more or less agree with this last point. The trouble is that not only does Depression 2.0 contain very few actual "strategies" for coping with such an eventuality, but what it does have to tell us is written in such a self-righteous, heavy-handed manner that even as sympathetic a person as myself felt condescended to and marginalized.
What practical "strategies" this book does contain are more along the lines of making it through a tough but relatively short-lived recession, such as dumpster diving and hanging out at the library for free entertainment. If you're looking for actual tips on how to weather the big one, this is not the book for you. In fact, I can't think of any situation in which I'd recommend this book to anybody. No matter what you hope to learn, it can be learned much better elsewhere.
While the list of topics in the book's description is impressive, you will be amazed at the actual size of the book, as it is quite slim. Consequently, I found that most of the book consists of what would work well as overviews of large sections of useful, practical content, but that, unfortunately, that actual content is not there. Being told that it's a good idea to do something is nice; being told how to do it would be better.
If you are interested in real advice, practical strategies, and solid how-tos, I highly recommend "The Urban Homestead" from the same publisher. That will teach you to do everything from collecting rainwater for irrigation to baking bread to setting up a chicken coop to heating your house without electricity. Much handier to have around if things continue to get worse, and there's no reason to believe that they won't.

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With contributions from Douglas Rushkoff, Claire Wolfe and Charles Hugh SmithWe have grown accustomed to life in a stable and prosperous society, and many of us are not prepared for financial uncertainty.Depression 2.0 is a practical, empowering, hands-on guide to persevering and even thriving in the event of an economic crisis.

Placing particular emphasis on self-sufficiency, community-building, and personal resilience, this timely, informative book offers a hopeful way forward in a time of great uncertainty. Bankruptcy, barter, and survival investing are just a few of the important topics explored.Chapters include: • Worst Case Scenario: Contemplating Unemployment • Down but Not Out: Economics for Leaner Times • Walking Away: Thinking about Bankruptcy • In Case of Emergency: The Resilient Home • Return to Simplicity: Retreat Options • Keeping the Lights on: Home Energy Solutions • Between the Cracks: When You Have No Shelter • Beyond Currency: When Greenbacks Go Bad • Survival Finances: Crisis Investing • Future Shift: The Road AheadDepression 2.0 is the fourth title in Process' celebrated Self- Reliance Series, created to help urbanites make smart choices to live sustainably in the twenty-first century.

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The Essential Guide for First-Time Homeowners: Maximize Your Investment & Enjoy Your New Home (USA Today/Nolo Series) Review

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(More customer reviews)This is not so much an "Essential Guide" as it is a collection of mostly-useful tips, diluted with a lot of cute fluff. For example, there is a chapter with lots of bullet point lists for handling disputes with neighbors, along with a cookie recipe so you can "Woo the Neighbors With These Chocolate-Filled Cookies".
The book tries to cover too many subjects (home maintenance, real estate finance, neighbor law, etc.) and ends up with insufficient detail. The chapter on home maintenance contains a brief schedule of things to check in each month, but what is a first-time homeowner going to get out of the recommendation to "Test the pressure and temperature valve on your water heater by opening it and allowing some water to flow out"? As with most of the tips, a bit more detail telling the reader how to do this would make the advice useful instead of just nagging.
Most of the tips are helpful if incomplete, and most first-time homeowners would benefit from skimming this book. But the book should not be considered a substitute for a real reference on any of the subjects it covers.

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Chapter 13 Bankruptcy: Keep Your Property & Repay Debts Over Time Review

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(More customer reviews)Chapter 13 Bankruptcy: Keep Your Property & Repay Debts Over Time
I needed to file Chapter 13 to pay off approximately $7000 in delinquent taxes that could not be discharged in a Chapter 7. I contacted several local Chapter 13 attorneys in the San Diego area for free consultations. Each one wanted to charge at least $3500.00 to represent me and wanted between $1000.00 to $1500.00 to be paid prior to them filing the bankruptcy paperwork with the court. If I had that kind of money, I would have been trying to work out something with the IRS.
I bought this book and read it cover to cover several times. When I knew I was ready, I completed the forms required to file in my district, California Southern District. My expense was $274.00 in cash for the filing fees. I filed on 4/17/09 and had my 341(a) hearing on 5/22/09. The court schedules a hearing at the same time for many people.
During the hearing, I was getting nervous as several people that were represented by attorneys were called in front of the Chapter 13 Trustee ahead of me and were either having their hearings continued to a new date or having a Confirmation hearing scheduled due to discrepancies in their filed paperwork (this was paperwork prepared and filed by their attorneys!!!). In the California Southern District, a 341(a)hearing is rescheduled or a Confirmation hearing is scheduled if the Chapter 13 Trustee thinks there is a presumption of abuse of the bankruptcy laws, objects to the plan or a creditor has an objection to the plan.
When I was called up, I only had to answer a few basic questions (name, address, what do you do you do for a living, how much are you paid, is that hourly, weekly, monthly and how many hours per day, week or month do you work) and provide copies of my IRS tax returns for 4 years (2005, 2006, 2007 and 2008)to verify that I have had stable income. The Chapter 13 Trustee stated he did not find a presumption of abuse, recommended that my plan be confirmed and is submitting the Request for Plan Confirmation to the Chapter 13 bankruptcy judge for sign-off. It took less than 10 minutes.
I could not have done it without the invaluable assistance of this book.

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Reduce your debts, save your property -- and start over!Are you behind on your mortgage, taxes or other bills? Are creditors threatening foreclosure or repossession? This book will show you how to save your house, car and other assets with Chapter 13 Bankruptcy. It lets you cancel your debts and pay off the rest with an affordable repayment plan.And now you can avoid attorney fees and do it yourself -- let Chapter 13 Bankruptcyyou how to:
determine if you qualify for Chapter 13
stop a house foreclosure
estimate monthly payments
devise an acceptable repayment plan
complete and file forms
make up missed mortgage payments
pay off other debts
represent yourself before a bankruptcy judge or trusteeThe 9th edition is completely rewritten to reflect the recent (and massive) changes to federal bankruptcy law, as well as the latest bankruptcy exemption laws of your state. It also includes the most current legal documents and instructions on filling them out.Whether you work with a lawyer or file on your own, you'll find everything you need to take charge of your debts in Chapter 13 Bankruptcy.Please note: This book does not cover business bankruptcies, farm reorganizations or individual repayment plans (Chapter 13). For Chapter 7 Bankruptcy, see Nolo's How to File for Chapter 7 Bankruptcy.State and Federal Exemption ChartsDoublingResidency Requirements for Claiming State ExemptionsExemptions for Retirement AccountsIndividual State and Federal ChartsTear-Out FormsVoluntary PetitionExhibit C to Voluntary PetitionExhibit D to Voluntary PetitionSchedule A -- Real PropertySchedule B --Personal Property Schedule C -- Property Claimed as ExemptSchedule D -- Creditors Holding Secured ClaimsSchedule E -- Creditors Holding Unsecured Priority ClaimsSchedule F -- Creditors Holding Unsecured Nonpriority ClaimsSchedule G -- Executory Contracts and Unexpired LeasesSchedule H -- CodebtorsSchedule I -- Current Income of Individual Debtor(s) Schedule J -- Current Expenditures of Individual Debtor(s) Declaration Concerning Debtor's SchedulesSummary of Schedules and Statistical Summary of Certain Liabilities and Related DataForm 3A -- Application and Order to Pay Filing Fee in InstallmentsForm 7 -- Statement of Financial AffairsForm 10 -- Proof of ClaimForm 20A -- Notice of Motion or ObjectionForm 21 -- Statement of Social Security Number(s)Form 22A -- Statement of Current Monthly Income and Means-Test CalculationForm 22C -- ChaStatement of Current Monthly Income and Calculation of Commitment Period and Disposable IncomeForm 23 -- Debtor's Certification of Completion of Postpetition Instructional Course Concerning Personal Financial ManagementForm 201 -- Notice to Individual Consumer Debtor Under § 342(b) of the Bankruptcy CodeAmendment Cover SheetDaily ExpensesNotice of Plan Amendment and Confirmation Hearing DateProof of Service by MailChapter 13 Repayment PlanAppendix C: Charts

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