13 Books Published by Advantage World Press on AALBC — Book Cover Collage

As the cost of a college education continues to increase at a rate of about 9% annually — nearly three times the rate of inflation — more and more college students are taking out loans to cover tuition, fees, and other expenses. Median undergraduate student loan debt is currently close to $20,000, and graduate students end up with an additional $32,000 in debt upon graduation. Pile on thousands more in credit card debt, and many college students today graduate with massive financial burdens that they are not prepared to handle. In Zero Debt for College Grads, noted personal finance expert Lynnette Khalfani provides a thorough roadmap for stress-free living that will allow recent graduates to focus on their burgeoning careers while navigating the ups and downs of their financial responsibilities. - Publisher.

If you have blemishes in your credit files, or are trying to establish credit, you already know what a pain it is living with bad or so-so credit: You get turned down for credit cards and loans, you pay sky-high interest rates when you do get approved, or you have to go (hat in hand) asking family or friends to co-sign for you or loan you money.

You probably wish you had good credit, right?

Well, having just a good credit rating isn’t good enough. You need perfect credit. The difference between having good credit and an outstanding credit rating can mean getting approved for a much-needed loan or turned down for it.

Moreover, with perfect credit you can pocket tens of thousands or even hundreds of thousands of dollars over your lifetime.

That is because people with excellent credit save money on loans of all kinds, pay less for various forms of insurance, and have better chances at getting hired or obtaining a promotion on the job.

Roughly 220 million Americans have credit files maintained by the Big Three credit bureaus: Equifax, Experian, and TransUnion. More than half of these individuals have subprime or bad credit scores. Some people ran into credit problems after a job loss left them unable to pay their bills. Others have gone through divorce, and it is not uncommon for an ex to ruin their credit.

Another 50 million adults in the U.S. have no credit files - either because they’ve never used traditional forms of credit, or because their credit files are "too thin" to generate a credit score.

Perfect Credit offers all these consumers an easy-to-follow blueprint on how to get superb credit - and how to sidestep numerous credit traps and pitfalls along the way.

We all know that college is expensive. But what about the years before you  — or your children  — arrive at the college of your dreams? Long before you or your offspring ever set foot on a college or university campus, you’ll face many thousands of dollars in pre-college expenses, including: College Exams Standardized Admissions Tests College Credit or Placement Exams Test Preparation and Tutors Pre-College Programs and Summer Activities Long-Distance Campus Tours and College Visits College Applications Before these pricey pre-college expenses put a dent in your budget, let College Secrets for Teens show you how to eliminate or minimize all these costs. College Secrets for Teens also reveals: 40 free pre-college programs at top U.S. schools 30+ elite schools that pay for you to visit them 8 methods to pay nothing for college applications 10 foolish ways students pick the wrong colleges 5 critical rules to choose the best college for you Insider advice on getting in to your first-choice college or university … and much, much more! College Secrets for Teens is the book every 7th through 12th grader needs to have!

Tuition and fees are just the tip of the iceberg! To properly manage college costs, you need to understand the real price tag of a higher education, including hidden fees that surprise students after they enroll in a college or university. College Secrets and its companion book, College Secrets for Teens, reveal the true costs of earning a college degree – and then provides hundreds of money-saving ideas to help students and parents reduce or eliminate these expenses. In this book, you’ll discover: 22 hidden costs that college officials never talk about 24 tricks to slash in-state and out-of-state tuition costs 7 tips to keep room and board expenses under control 13 strategies to save money on books and supplies 14 lifestyle costs that students must manage wisely  6 do’s and don’ts to avoid credit card debt in college 12 steps to boost your odds of winning scholarships 15 common mistakes that reduce your financial aid … and much, much more! The College Secrets series is your roadmap to paying for college the smart way – with some sanity, truth and planning in the process, and without going broke or winding up deep in debt.

With a foreword from investing legend Charles Schwab, Investing Success is a practical, easy-to-understand guide that helps people take control of their financial lives and avoid or fix common money management and investing mistakes. Even for those who have never invested before, author Lynnette Khalfani - a former Wall Street Journal reporter for CNBC - provides clear and straight-forward advice about how to invest profitably in today’s market. Investing Success also describes how to get one’s financial house in order: by getting rid of credit card debt, boosting your savings, and taking care of the financial basics before you invest. - Reissue

If you have negative marks in your credit history, you already know what a pain it is living with bad credit: you get turned down for credit cards and loans, you pay sky-high interest rates when you do get approved, or you have to go (hat in hand) asking family or friends to co-sign for you or loan you money. The list of indignities you suffer with poor credit goes on and on.
Lately, amid the ongoing credit crunch, even people with "good" credit histories and respectable credit scores are having a tough time. Banks have imposed new fees, raised interest rates, slashed credit lines and even closed accounts of customers with so-called "good" credit. Which is why, even if you have a fair-to-good credit rating, you need to learn how to achieve "perfect credit."  
Consider this: Do you plan on doing any one of these things in the next two months to two years?: buying a house or renting an apartment refinancing a mortgage or getting a home equity loan/line of credit purchasing a car getting a student loan applying for a new credit card/switching credit cards co-signing for a loan for someone else seeking a small business loan obtaining a new job - or seeking a promotion on your current job If so, please realize that all of these goals have one thing have in common: They all require you to have great credit! So if you, or someone you know, have an immediate or near-term need for credit or a loan, you’ll greatly improve your odds of getting a "Yes," and getting the best rates and terms, if you follow the advice outlined in Perfect Credit. Perfect Credit is also a must-read for people that want to: establish credit high school and college students recent divorcees widows elderly citizens immigrants minorities anyone who mainly uses cash fix problem credit individuals with late payments, charge-offs, judgments, foreclosures, repossessions bankruptcies past due bills improve their credit those with "average" credit consumers with "good" credit who want an A+ credit rating maintain outstanding credit anyone with superb credit who wants to hang on to that first-rate status Perfect Credit is the definitive guide to getting and keeping outstanding credit. Think of this book as a roadmap for anyone hoping to establish picture-perfect credit, make improvements to have stellar credit, or simply maintain a fantastic credit standing.   Right now, roughly 220 million Americans have credit files maintained by the "Big Three" credit bureaus: Equifax, Experian, and TransUnion. Of those individuals, about 40 million Americans (roughly 1 out of 5), have very poor credit, or "deep subprime scores," according to Experian.   Another 50 million adults in the U.S. have no credit files - either because they’ve never used traditional forms of credit, or because their credit files are "too thin" to generate a credit score. Perfect Credit offers all these consumers an easy-to-follow blueprint on how to get superb credit - and how to sidestep numerous credit traps and pitfalls along the way.

Mrs. Berry’s weekend math assignment is one of the toughest ever. In fact, she seems to have gone a little overboard - she thinks pennies have incredible powers! Powers like curing diseases, building schools, and delivering food and medicine. Mrs. Berry wants the class to explain how this can be. Isaiah, Sandy, Dennis and Stephanie decide that as members of the Millionaire Kids Club, there’s no money problem they can’t solve. They’re up for the challenge! But as they start their research, they also discover that Sandy has a money concern of her own - her mom has lost her job. Can the pals solve their crazy penny homework and help Sandy feel a little better at the same time?

In Social Studies class it’s time to talk about current events from the newspaper. Three members of The Millionaire Kids Club- Isaiah, Sandy and Dennis- have agreed on a topic. The want to explain why so many homes in the community have "For Sale" signs. But their buddy, Stephanie, doesn’t want to talk about the subject. After all, her family may have to sell their home too - and that has Stephanie terribly upset. Stephanie’s dad has lost his job and can’t pay for their home any more. So will Stephanie’s family be able to save their house? Or will they have to move out, and will Stephanie have to leave the neighborhood and her closest friends?

IT’S TIME TO FIX YOUR FINANCES!   
In these tough economic time, it’s more important than ever to slash your debt, save more money, and become financially secure. Regardless of your situation, you can get on the road to financial freedom - any you can do it yourself in the next 30 days! 
Wouldn’t you like to be free from financial worries? And don’t you want to rest at night knowing your bills are paid? You can have peace of mind when it comes to money matters. It all starts by eliminating excessive debt, and using time-tested strategies to save your hard earned cash. Zero Debt teaches you the exact strategies the author used to pay off $100,000 worth of credit card bills in just three years - without ever missing a single payment. If she can do it, so can you! In this revised and updated version of Zero Debt, you’ll discover, How to get annoying creditors off your back Insider secrets to negotiating with credit card companies Sure fire methods to stop late fees and eliminate over-the-limit charges Your legal rights - and what bill collectors can and cannot do under the law The best strategies to clean up your credit report or fix errors in your credit file Useful advice on how to reduce your auto loans, student loans and mortgage debt Recommendations for reputable debt management firms and credit counselors How "shopaholics" and others can get their spending under control Zero Debt also helps you put a financial fortress around yourself - offering tips on budgeting, the importance of having insurance, low-cost methods for creating an updated will, creative ways to instantly put dollars back in your pocket, and more. 
If you want to be debt-free and achieve financial freedom, you need an action plan. This book is your step-by-step plan. It’s simple. It’s easy to understand. And it works.

Mrs. Berry’s weekend math assignment is one of the toughest ever. In fact, she seems to have gone a little overboard - she thinks pennies have incredible powers! Powers like curing diseases, building schools, and delivering food and medicine. Mrs. Berry wants the class to explain how this can be. Isaiah, Sandy, Dennis and Stephanie decide that as members of the Millionaire Kids Club, there’s no money problem they can’t solve. They’re up for the challenge! But as they start their research, they also discover that Sandy has a money concern of her own - her mom has lost her job. Can the pals solve their crazy penny homework and help Sandy feel a little better at the same time?

Dennis can’t wait to get to school on Monday to tell his friends about the amazing event that happened at church. On Sunday, Dennis was one of 50 people at church who received $100 from his pastor. But there’s a catch: Dennis has to use the money to help someone less fortunate. With advice from his friends, Isaiah, Stephanie and Sandy, Dennis is sure to think of someone in need. With a little creativity and hard work, the four pals might even figure out a way to turn Dennis’ $100 into an even bigger donation. TARGET AUDIENCE Children between the ages of five and 12 Parents, teachers and educators who want to encourage reading literacy and financial literacy Banks, financial institutions, schools and entities that support financial education for students Non-profit agencies, churches and groups that serve youngsters from kindergarten middle school Companies/organizations seeking to enhance their corporate library or educate young people

In Your First Home: The Smart Way to Get It and Keep It, Lynnette Khalfani-Cox, The Money Coach, offers a no-hype personal finance guide that will help you prepare for, find and finance the home of your dreams - and not lose it to foreclosure. For those worried about making the leap from renter to owner, Lynnette explains how to turn bad credit into perfect credit, in seven simple steps. She also offers scores of tips on how to manage money and save cash - even if you’ve never been able to budget. Best of all, Lynnette walks you step-by-step through the house-hunting and mortgage application process, saving you time, money and unnecessary frustration. In Your First Home, renters will learn: * The secrets to getting approved for a mortgage loan - even if you have bad credit, no savings or down payment, a small salary or big debts * Where to get up to $40,000 in free grants for a down payment and closing costs * How to pick a great real estate agent, home appraiser, and attorney * The special account guaranteed to triple your savings in one year * Strategies to negotiate the best price for a home, avoid predatory lenders and obtain a good mortgage After reading Your First Home, homeowners will learn: * How to keep your home - and avoid foreclosure - if you face financial troubles after you buy a house * Unexpected sources that will pay your mortgage if you can’t * Dos and don’ts of refinancing your mortgage * What no one ever tells you about home equity loans * The "Seven Commandments" of successful homeownership * How to manage and grow the equity in your home * Financial planning strategies and tax tips available only to homeowners Homeownership isn’t a right. It’s a major responsibility. Your First Home offers a realistic look at the entire life cycle of being a homeowner - with all its joys and pains.

As seen on CNBC, “Dr. Phil,” “Starting Over,” and “Tavis Smiley” Each day, nearly 25,000 people in the U.S. become millionaires…. Why not you? All it takes is smart planning, shrewd investing, and a little personal coaching-from the world-renowned Money Coach, Lynnette Khalfani. She’s living proof that you can go from rags to riches if you follow a few simple guidelines. Believe it or not, Lynnette managed to dig herself out of $100,000 of credit card debt, turn her life around, and become a millionaire herself. Even more amazing: You can do it, too. The Money Coach’s Guide to Your First Million tells you exactly what to do. First you’ll formulate an easy-to-follow budget that fits your lifestyle. Then you’ll be able to construct a plan to get out of debt, establish perfect credit, and save a bundle, using the same strategies the wealthy do to manage the money they have-and to keep making more. Soon you’ll learn how to invest in stocks and bonds (without losing your shirt) and make a fortune in real estate (without becoming a landlord if you don’t want to.) You’ll learn the financial benefits of entrepreneurship and discover the SMART way to set goals (Specific, Measurable, Action-oriented, Realistic, and Time-bound.) You’ll avoid the most common financial pitfalls and come out on top every time. In fact, you’re just 7 steps away from your first million! The Money Coach’s “Millionaire Success Formula” will show you how to: Make a personal prosperity plan Invest first, last, and always in your reputation Live like a lender, not a borrower Leverage the power of property Increase your fortune with proven methods not shortcuts Overcome setbacks and minimize risks to your financial health Never forget the next generation