Credit Intelligence : Boosting Your Credit Smarts
Language: English
Published by Balboa Press, 2016
- Softcover
- New
Seller: AHA-BUCH GmbH, Einbeck, GermanyAHA-BUCH GmbH
AbeBooks seller since August 14, 2006
Condition: New
£ 20.31
Quantity: 2 available
Add to basketItem description from seller
nach der Bestellung gedruckt Neuware - Printed after ordering - Award-winning author and credit industry expert Polly A. Bauer, CPCS, and marketing expert Mava K. Heffler have been business associates in the credit card industry. They've also been best friends for over two decades who love to shop! They share their stories of lessons learned on shopping adventures with humor and insight and provide you with a roadmap to credit intelligence by sharing their shopping adventures and lessons learned about credit as 'Olympic level' shoppers who have fallen into and pulled each other out of many of the traps and pitfalls surrounding the use of credit and the behavioral buying manipulations by retailers. They have written this book as a guide on how to boost your credit smarts and still keep the fun in shopping. This book uses straightforward language so that everyone can understand the information, and includes many personal stories and experiences. Polly and Mava take you on a guided tour through a variety of topics and provide 'Smart Tips' for you to utilize to improve your credit smarts. Polly A. Bauer is the co-author of the award winning book The Plastic Effect: How Urban Legends Influence the Use and Misuse of Credit Cards, with Steven Lesavich. which won a Gold Medal in the budgeting/Finance category of the 2013 Living Now Book Awards. Formerly CEO of Home Shopping Network Credit Corporation, she is the CEO of Polly Bauer & Associates, a credit card consulting company established in 1995. Polly strategically guides companies and individuals through a maze of credit card misinformation with common sense, compassion, and humor that sets her apart as an international corporate speaker, consumer advocate, and media expert. Mava K. Heffler's blue-chip professional background includes marketing, advertising, communications, branding, market research, direct marketing, sponsorship, promotion, and public relations at Fortune 500 leaders such as MasterCard International, Procter & Gamble, Johnson & Johnson, Thompson, CNBC, and EMCOR Group, Inc. With experience encompassing both domestic and international markets, Mava has expertise marketing to both consumers and businesses. Named a 'Brand Builder', one of the 'Top Women in Business To Watch', and amongst 'Top Marketers' by the press and media, Mava's programs have received a variety of industry recognition and awards. 'This book may very well be the cure for the toxic connection between credit card debt and declining health.' - Christiane Northrup, M.D., Author of Women's Bodies, Women's Wisdom 'Excellent advice from two savvy women with 60 years combined experience in the credit card industry. True credit management wisdom. Wish I could have read it when I was making credit management decisions.' - Darel Rutherford, Self-made Millionaire, Author of So Why Aren't You Rich 'Financial worries and credit card debt sure can make you sick. Credit Intelligence has workable strategies for coping with this type of stress.' - Brenda Watson, Brenda Watson Media, New York Times best-selling author, and PBS television personality 'Smart tips and real-life strategies for living in a material world. Credit Intelligence is sure to improve your financial health and overall well-being.' ¿ Dr. Michelle Robin, Founder and Chief Wellness Officer (CWO), Your Wellness Connection healing center 'It's your money and it's your good name. You need to protect them both. This book will show you how.' ¿ Sonia Choquette, CEO, Inner Wisdom, Inc., New York Times best-selling author, and radio personality 'Who knew Credit Intelligence is full of insider information about credit and the credit card marketing industry. This might be the buying manifesto for a new generation of empowered shoppers.' ¿ Cory Bergeron, President and Founder, Pitch Video 'If you're over your credit limit, you need to steal this book.' ¿ Dale Irvin, CEO, Just Imagine.…
Seller Inventory # 9781504342025
- Title
- Credit Intelligence : Boosting Your Credit Smarts
- Author
- Cpcs Polly A. Bauer
- Publisher
- Balboa Press
- Publication year
- 2016
- Condition
- Neu
- Binding
- Taschenbuch
- Language
- English
- ISBN 10
- 150434202X
- ISBN 13
- 9781504342025
- Item weight
- 225 grams
- Dimensions
- 216x140x10 mm
Award-winning author and credit industry expert Polly A. Bauer, CPCS, and marketing expert Mava K. Heffler have been business associates in the credit card industry. They've also been best friends for over two decades who love to shop! They share their stories of lessons learned on shopping adventures with humor and insight and provide you with a roadmap to credit intelligence by sharing their shopping adventures and lessons learned about credit as "Olympic level" shoppers who have fallen into and pulled each other out of many of the traps and pitfalls surrounding the use of credit and the behavioral buying manipulations by retailers. They have written this book as a guide on how to boost your credit smarts and still keep the fun in shopping. This book uses straightforward language so that everyone can understand the information, and includes many personal stories and experiences. Polly and Mava take you on a guided tour through a variety of topics and provide "Smart Tips" for you to utilize to improve your credit smarts.
Polly A. Bauer is the co-author of the award winning book The Plastic Effect: How Urban Legends Influence the Use and Misuse of Credit Cards, with Steven Lesavich. which won a Gold Medal in the budgeting/Finance category of the 2013 Living Now Book Awards. Formerly CEO of Home Shopping Network Credit Corporation, she is the CEO of Polly Bauer & Associates, a credit card consulting company established in 1995. Polly strategically guides companies and individuals through a maze of credit card misinformation with common sense, compassion, and humor that sets her apart as an international corporate speaker, consumer advocate, and media expert. Mava K. Heffler's blue-chip professional background includes marketing, advertising, communications, branding, market research, direct marketing, sponsorship, promotion, and public relations at Fortune 500 leaders such as MasterCard International, Procter & Gamble, Johnson & Johnson, Thompson, CNBC, and EMCOR Group, Inc. With experience encompassing both domestic and international markets, Mava has expertise marketing to both consumers and businesses. Named a "Brand Builder", one of the "Top Women in Business To Watch", and amongst "Top Marketers" by the press and media, Mava's programs have received a variety of industry recognition and awards.
"This book may very well be the cure for the toxic connection between credit card debt and declining health." - Christiane Northrup, M.D., Author of Women's Bodies, Women's Wisdom
"Excellent advice from two savvy women with 60 years combined experience in the credit card industry. True credit management wisdom. Wish I could have read it when I was making credit management decisions." - Darel Rutherford, Self-made Millionaire, Author of So Why Aren't You Rich?
"Financial worries and credit card debt sure can make you sick. Credit Intelligence has workable strategies for coping with this type of stress." - Brenda Watson, Brenda Watson Media, New York Times best-selling author, and PBS television personality
"Smart tips and real-life strategies for living in a material world. Credit Intelligence is sure to improve your financial health and overall well-being." – Dr. Michelle Robin, Founder and Chief Wellness Officer (CWO), Your Wellness Connection healing center
"It's your money and it's your good name. You need to protect them both. This book will show you how." – Sonia Choquette, CEO, Inner Wisdom, Inc., New York Times best-selling author, and radio personality
"Who knew? Credit Intelligence is full of insider information about credit and the credit card marketing industry. This might be the buying manifesto for a new generation of empowered shoppers." – Cory Bergeron, President and Founder, Pitch Video
"If you're over your credit limit, you need to steal this book." – Dale Irvin, CEO, Just Imagine
"Synopsis" may belong to another edition of this title.
Excerpt. © Reprinted by permission. All rights reserved.
Credit Intelligence
Boosting Your Credit Smarts
By Polly A. Bauer, Mava K. Heffler, Leslie D. EdwardsBalboa Press
All rights reserved.
Contents
Dedication, vii,
Foreword, ix,
Acknowledgments, xi,
Introduction What Does "Credit Smart" Mean?, 1,
1 Smart Is a Relative Term, 11,
2 Not All Payments Are Created Equal, 19,
3 Emotional Buying: How Your Emotions Are Being Manipulated to Make You Spend More, 31,
4 Rewards Are Not Always Rewards: How to Make Your Credit Cards Work for You, 45,
5 Guess Who's Watching You Buy: Why?, 53,
6 To Be Credit Intelligent, It Is Critical to Know the Basics of Credit Scores, 61,
7 There's No Free Lunch and There's No Quick Fix: Beware of Credit Repair Agencies, 81,
8 Here's to Your Health: Take Action to Avoid Debt Stress, 89,
9 Debt Can Kill Romance: Credit Problems Can Create Havoc in All of Your Relationships, 103,
10 The New Status Quo: Protecting Your Identity and Avoiding Online Shopping Perils, 113,
11 New Cards: Chip & PIN Cards Are Here to Stay, 129,
12 A Roadmap to Credit Intelligence: All 85 Smart Tips at Your Fingertips, 139,
Credit Intelligence Disclaimer, 148,
Credit Score Disclaimer, 149,
Reference Information Disclaimer, 150,
Trademark Disclaimer, 151,
About Polly Bauer, 152,
About Mava Heffler, 154,
End Notes, 156,
CHAPTER 1
Smart Is a Relative Term
6:00 a.m., on the phone while at a payments convention. Boston, Massachusetts.
Polly:Life in the payments world will never be the same again!
Mava:What do you mean? You sound pretty worked up, considering that it's 6:00 a.m.
Polly:I haven't been able to sleep. I was sitting in the middle of the convention yesterday listening to the card associations, payment processors, merchants, and software vendors all arguing over the recent government regulations to keep costs down, and everyone is only concerned about their own interests.
Mava:So what's new about that? Everyone always has their own interests at heart, and it's never been about the consumer.
Polly:This is a day for the record books, girlfriend. Since the first credit card was issued back in 1962, the government has not intervened and actively taken control to stop escalating credit card costs, until now.
The banks are panicked over the money they'll lose, the processors are scrambling for new revenue streams, and the merchants are confused by all this contradictory information.
Mava:So what's the bottom line, Polly?
Polly:More than ever, the consumer needs to understand how to be credit smart — NOW!
What you might think was credit smart yesterday is not credit smart today.
And you are not alone.
Remember when you were so proud of making a large purchase on a zero percent interest rate card and only paying
$33 a month? Not smart!
Here's the reality: the economy has shifted, card offers are changing, and it costs you more to buy on credit than ever before.
Your interests and the bank's interests about how you use credit cards are at odds.
It's in your best interest to pay off your credit cards in full each month. However, it's in the bank's interest (and it's how they make their money) when you do not pay off your credit card in full each month. In fact, we've overheard some bankers
"About the title" may belong to another edition of this title.
Shipping rates from Germany to U.S.A.
| Item | 7 to 10 business days | 5 to 7 business days |
|---|---|---|
| First item | £ 29.30 | £ 37.67 |
Payment methods
- Bank Wire Transfer
- Check
- Paypal
Store description
Das Unternehmen AHA-BUCH GmbH: Seit der Gründung von AHA-BUCH im Juli 2005 ist unser Hauptziel, zufriedenen Kunden so schnell und so preisgünstig wie möglich ihren Bücherwunsch zu erfüllen. Unsere Firma beschäftigt 16 Mitarbeiter, die nur ein Ziel kennen: den Kunden und seine Wünsche! Auf über 3700 m2 Fläche haben wir über 100.000 Bücher, Modernes Antiquariat und Spiele auf Lager.
Specialty
Kinderbücher & Kinderhör Casetten, German Books, Software, Natur & Tiere, Ratgeber, Sachbücher, Englische Bücher, Medizin & Gesundheit, Universität & StudiumSeller's business information
AHA-BUCH GmbH
Garlebsen 48
Einbeck, Germany 37574
Terms of sale
Imprint
Seller Info:
AHA-BUCH GmbH
represented by the managing director Christel Glass
Garlebsen 48
37574 Einbeck
Deutschland
Telefon: 055639996039
Telefax: 055639995974
E-Mail: abebooks@aha-buch.de
USt-IdNr.: DE261904229
registered at Commercial register Amtsgerichtes Göttingen
Handelsregisternummer HRB 200691
Alternative dispute resolution:
The European Commission provides a platform for out-of-court online dispute resolution (ODR platform), which can be accessed under https://ec.europa.eu/odr.
We have been a member of the "FairCommerce" initiative since 25.05.2018.
For more information, see www.fair-commerce.de.
Right of withdrawal
If you are a consumer you can withdraw from the contract in accordance with the following. Consumer means any natural person who is acting for purposes which are outside his trade, business, craft or profession.
Information regarding the right of withdrawal
Statutory right to withdraw
You have the right to withdraw from this contract within 14 days without giving any reason.
The withdrawal period will expire after 14 days from the day on which you acquire, or a third party other than the carrier and indicated by you acquires, physical possession of the last good or the last lot or piece.
To exercise the right of withdrawal, electronically fill in and submit a clear statement on our website, under "My Purchases" in "My Account". We will communicate to you an acknowledgement of receipt of such a withdrawal on a durable medium (e.g. by e-mail) without delay.
To meet the withdrawal deadline, it is sufficient for you to send your communication concerning your exercise of the right of withdrawal before the withdrawal period has expired.
Effects of withdrawal
If you withdraw from this contract, we will reimburse to you all payments received from you, including the costs of delivery (except for the supplementary costs arising if you chose a type of delivery other than the least expensive type of standard delivery offered by us).
We may make a deduction from the reimbursement for loss in value of any goods supplied, if the loss is the result of unnecessary handling by you.
We will make the reimbursement without undue delay, and not later than 14 days after the day on which we are informed about your decision to withdraw from this contract.
We will make the reimbursement using the same means of payment as you used for the initial transaction, unless you have expressly agreed otherwise; in any event, you will not incur any fees as a result of such reimbursement.
We may withhold reimbursement until we have received the goods back, or you have supplied evidence of having sent back the goods, whichever is the earliest.
You shall send back the goods or hand them over to AHA-BUCH GmbH, Einbeck, Germany, without undue delay and in any event not later than 14 days from the day on which you communicate your withdrawal from this contract to us. The deadline is met if you send back the goods before the period of 14 days has expired. You will have to bear the direct cost of returning the goods. You are only liable for any diminished value of the goods resulting from the handling other than what is necessary to establish the nature, characteristics and functioning of the goods.
Exceptions to the right of withdrawal
The right of withdrawal does not apply to:
- The delivery of newspapers, journals or magazines with the exception of subscription contracts; and
- The supply of digital content which is not supplied on a tangible medium (e.g. on a CD or DVD) if you accepted when you placed your order that we could start to deliver it, and that you could not withdraw once delivery had started.
Shipping terms
We ship your order after we received them
for articles on hand latest 24 hours,
for articles with overnight supply latest 48 hours.
In case we need to order an article from our supplier our dispatch time depends on the reception date of the articles, but the articles will be shipped on the same day.
Our goal is to send the ordered articles in the fastest, but also most efficient and secure way to our customers.