FINANCIAL FRESH START: YOUR FIVE-STEP PLAN FOR ADAPTING AND PROSPERING IN THE NEW ECONOMY

Book ID/图书代码： 00431012B54221

English Summary/英文概要： From depleted retirement accounts to underwater homes, it’s been gloomy news for years. But the picture will get much brighter for those who take advantage of the laws and reforms enacted in the wake of the banking, real estate, and economic meltdown. The Dodd-Frank Act. The Making Home Affordable Program. The Consumer Financial Protection Bureau. These are just a few examples of the significant but little-understood changes that offer people an unprecedented chance to set things right with their credit, savings and investments, employment, housing, retirement, and more.

Financial Fresh Start explains it all—simplifying the complicated reforms and motivating readers to shake off their malaise and radically improve their long-term financial prospects. Written by a dynamic author with a unique blend of legal, financial, and real estate expertise, the book’s big-picture lens spans the spec trum of money matters, and delivers clear, actionable answers to questions such as:

How can you repair your credit quickly and avoid high finance costs? • What are the safest places for saving and investing? • Can you legally avoid repaying what you owe? •Will your home ever be worth what you paid for it? • Is there life after foreclosure? • Are you missing out on programs that can put money in your pockets? • Is it possible to make up for recent losses and still retire on time? • And more

Big corporations and the mega-wealthy have professionals to keep them abreast of the latest regulations. Now, everyday people can learn what the new rules really mean to them with the expert guidance and practical solutions in Financial Fresh Start.

Chinese Summary/中文概要： 5步驟 在惡化的環境仍能讓個人財務大大成長

就業、經濟和投資環境變糟，天災人禍四起，退休資金越變越少（甚至沒有），每個人手上能運用的資產極度有限。與其等環境變好，等中樂透頭彩，不如學習如何以高效率運用手上資金。

身為CNN、CNBC、Fox、PBS、MSNBC以及CBS等電視台時事評論常客，其論述經常被《Wall Street Journal》、《Forbes》以及《USA Today》文章引用，本書作者Shari Olefson擔任Attorney-Mediator，具有法律、財務、房地產背景，提供讀者紓困的方法：

- 如何快速恢復良好信用，避免巨額融資
- 哪裡才是最安全的存款和投資地點？
- 有合法避免還款的方法？
- 你買的房子真有那個價值？
- 喪失抵押品贖回權後，是否還有轉圜餘地？
- 你是否老是錯過賺錢的機會？
- 錯失的機會能否挽回，讓自己即時存夠退休基金，讓過自由人生的願望成真？

Contents

Part One: Where We Stand
Chapter 1 Getting a Handle on Your Big Picture
Part Two: The Five Steps
Chapter 2 Step One: Adapt Your Banking and Borrowing
Chapter 3 Step Two: Fix Your Credit and Debt
Chapter 4 Step Three: Protect Your Savings, Investments, and Retirement
Chapter 5 Step Four: Decide If Homeownership Is Right for You
Chapter 6 Step Five: Spend Less and Earn More
Part Three: Moving Forward
Chapter 7 Getting the Help You Need
Chapter 8 Paying It Forward: Education, Training, and Your Future Prosperity
(Eva)

Awards/获奖情况：“Financial Fresh Start should be read in every household throughout America! As we turn the chapter to a brighter financial future, it is important that we as consumers not only remember the lessons learned in the last few years but also focus on how WE are rebuilding our financial future. This book is your guide to kick-starting the changes you have been waiting for.” - Raven Liberty, radio talk show host and foreclosure defense attorney

“For the millions of Americans now emerging from the wreckage of the nation’s crumbled economy, there is immediate value in Shari Olefson’s clear-eyed wisdom on how success in securing your legal rights can lead to success in restoring your financial well-being.” - David S. Udell, Executive Director of the National Center for Access to Justice and professor at Cardozo School of Law

“In today’s environment, every American can use help in the areas covered by Financial Fresh Start. Shari Olefson is a powerful, articulate voice, delivering concrete suggestions with tangible results.” - Jacey Birch, television news anchor, WPLG News Channel 10

“Financial Fresh Start is a must-read for anyone seeking to understand today’s financial, housing, economic, cultural, and political issues and to developing a plan to rebuild their financial health. I recommend her book to anyone seeking sound financial guidance and a plan for ensuring a strong future.” - Stephen Weiss, Senior Vice-President, Foreclosure Response Team

“Life moves at one speed and in one direction but not our modern economy. As American families have experienced in the past decade, the economy can rush forward, lifting spirits and finances, only to crash, leaving bank accounts and credit scores in shambles. The response to the Great Recession has created new rules and regulations, but those don’t replace common sense and individual responsibility. Shari Olefson captures the challenges and opportunities to reset and reignite your own prosperity with Financial Fresh Start.” - Tom Hudson, co-anchor and Managing Editor, Nightly Business Report

“Shari Olefson excels at every level in making us smarter consumers and citizens as we face the unknown of turbulent markets and economic conditions.” - Dan Raviv, National Correspondent, CBS News Radio Network

About the Author/作者介绍： SHARI OLEFSON(劳德代尔堡FL)是一位律师中介，具有房地产、金融和心理学等方面知识的学历。她是一个可靠的记者、新闻评论员和演讲者,她的作品经常被流行刊物，比如《华尔街日报》、《福布斯》、《今日美国》等引用,每周在美国有线电视新闻网,美国全国广播公司财经频道,福克斯广播公司,公共广播公司,微软全国有线广播电视公司和哥伦比亚广播公司等转播。

SHARI OLEFSON (Ft. Lauderdale, FL) is an Attorney-Mediator with degrees in real estate, finance, and psychology. A trusted journalist, news commentator, and speaker, she is frequently quoted in such publications as the Wall Street Journal, Forbes, and USA Today, and appears weekly on CNN, CNBC, Fox, PBS, MSNBC, and CBS.

Format:HARDCOVER

Rights Status/版权销售情况：Simplified Chinese/简体中文：AVAILABLE

Complex/Traditional Chinese/繁体中文：AVAILABLE

Sales in other countries/其他国家销售情况：

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