All The Money You Need

Stop the Investing Rip off How to Avoid Being a Victim and Make More Money

An investor’s guide to avoiding hidden charges and making more on investments

In the investment arena–including mutual funds, hedge funds, and stocks–there are hidden costs such as managerial fees or marketing expenses that can cost investors at least 3-6% of their earnings. These dangers are real, and in Stop the Investing Rip-off, author David Loeper sheds much-needed light on the oft-unseen deceit of the financial services industry. This book serves as an advocate of the consumer, exposing what insiders know about the side of the sales pitches that consumers don’t, but need to hear. Filled with in-depth insights and practical advice, Stop the Investing Rip-off addresses questions every investor should ask during a financial sales pitch, before they pull the trigger and buy into the next financial product or advisory service. Based on David Loeper’s nearly 25 years of experience of seeing the inner workings of the industry, Stop the Investing Rip-off reveals the real costs of the investments we make, the false and misleading information sold to us, and details the devastating effects they can have on personal wealth.

David B. Loeper (Richmond, VA) is the CEO of Financeware, Inc. Prior to founding Financeware in 1999, Loeper was managing director of strategic planning for the retail brokerage division of Wheat First Union and served on the Investment Advisory Committee of the nearly $30 billion Virginia Retirement System. He is also the author of Stop the 401(k) Rip-off (978-1-934454-10-7).

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The Big Score Getting It and Keeping It Buying Power for Life

Linda has dug into more than 14,000 credit reports. She has seen it all and she has fixed it all.

“When I went in search of a user-friendly, straight-talk book about credit scoring, one written by a credit expert with actual hands-on experience who really understands the inner workings of the credit system, I was stunned to come up completely empty handed. I instantly realized that it was my mission to deliver this book: an experts how-to-guide for understanding the credit scoring system, and getting and keeping good credit.”

Linda Ferraris THE BIG SCORE: Getting It and Keeping It, Buying Power for Life blows the lid off of the mysterious abyss known as the credit industry. This tell-all book reveals the secrets to achieve and maintain good credit scores that will unlock the doors to better financial futures for everyone.

User Ratings and Reviews

5 Stars The Big Score - Getting It & Keeping It - Buying Power for Life
As an educated woman with an established career, I always thought that I was pretty savvy when it came to my finances, and to my credit score. How wrong I was. The Big Score - Getting It & Keeping It - Buying Power for Life blew me away. The information contained in Ms. Ferrari’s book is information that every person should know. The book is filled with valuable information about how to check your credit score and improve it, what your legal rights are, detailed facts that the credit bureaus won’t tell you, and easy to use sample letters and documents. The Big Score is a book that you cannot afford NOT to read.

5 Stars A must read
As the CEO of a Keller Williams franchise with nearly 200 Realtor’s this is a must have by any Realtor, home buyer, or anyone with a credit card. A subject that you would consider drone comes alive with Ms. Ferrari’s writing style. She thoroughly explains the entire matrix of the credit score industry in a way that any reader will fully comprehend. This will be on the top of my list of books to give out this holiday season

5 Stars Credit Scoring Is Just Not for Mortgage Loans Anymore
While I train loan officers and real estate agents, I gave this book to my daughter, friends and family to read. They were amazed that not only does credit scoring affect the interest rate offers you get on mortgages and credit cards, it also affects your auto and home insurance premiums too.

There are many so-called credit repair companies and credit repair guru’s (even Suze Orman’s advice is wrong) out there, but this is the first book (and I’ve seen tons of them) to have all the tips on how to increase your credit scores–all in one place.

Do yourself a favor–increase your credit score and save yourself tons of money. Karen Deis, www.LoanOfficerTraining.com

5 Stars The Big Score
The Big Score is an amazing book! This is a Must Read for anyone who needs to improve their credit scores or more importantly understand their credit scores. Knowing about how our scores work and how it affects our everyday purchases is something every consumer needs to know.

Linda makes the scoring system crystal clear in addition to her passion to fixing the credit scoring system, which truly needs her help. I am a mortgage loan officer and consider myself a seasoned veteran. I was amazed at some of the items affecting our scores that I didn’t realize.

It’s easy to read and hard to put down. Linda did an amazing job!

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Youre Nothing but a Number Why achieving great credit scores should be on your list of wealth building strategies

“John Ulzheimer didn’t know that credit would be his calling when he took a position with the credit bureau, Equifax, back in 1991. You’re Nothing but a Number is Ulzheimer’s first-person exposé of the credit industry. Using his insider experience, Ulzheimer will show you how to master your credit scores and get ahead.”

User Ratings and Reviews

5 Stars You’re nothing but a number
This is an excellent book and is especially good for those of us who do not understand the world of finances very well. I took a class before this book and found the information to be contradictory to what the author has written. It is written in a matter of fact, truthful way. It’s worth having.

5 Stars From The Author
Hello, this is John Ulzheimer and I wrote this book.

For those of you who have purchased it, you can and should consider it an investment in your financial future. Why? Because having great credit reports and credit scores is the best way to keep more of your hard earned money at home, where it belongs.

A little background…

I actually started writing this book in 1997 after I left Equifax. The original title was going to be “Inside the Walls.” I had about 30 pages finished when I realized that any book about credit needed to have a significant dedication to credit scoring. I had just taken my new job at Fair Isaac (FICO) and I decided to put the book on hold until I was well versed on the subject of credit scoring.

When I left Fair Isaac in late 2004, I started re-writing the book from scratch. I finished it in early 2007. What you have is a 10-year labor of love and insight into the inner workings of the credit industry. I certainly hope you enjoy it and I hope you can leverage what you learn into better credit health and all that it entails.

Why is this book different…

This book is NOT about credit repair and it’s not a bunch of quotes and research results. This book was written by an industry veteran (still in the industry) and it’s all about learning how the system works so that you can function better within it. It’s not about how to fool the credit reporting and credit scoring systems.

If you’re trying to figure out how to beat FICO or have accurate (but negative) information removed from your credit reports under false pretenses then do NOT buy this book because it’s not for you. If you are ready to learn how to EARN better credit using lessons that will last a life time and can be handed down to your children and their children then this is the book for you.

Enjoy!!

John

5 Stars Finally!!
Finally a book about credit reports and credit scores written by someone from INSIDE the credit industry rather than by someone simply researching the industry. If I read one more book about sending dispute letters to the credit bureaus I was going to puke!! The book is loaded with stuff that I didn’t know and have never read in any other book, blog or website before. At first I thought $24.95 was a little pricy but it was totally worth it. In the foreword it says “this book wasn’t written by a guy who knows a guy who knows the story. It was written by the guy who helped write the story.” Ain’t that the truth. Just to make sure he wasn’t full of it, I did a search on his last name and he’s quoted in like tons of national press articles. Good book.

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