You Don't Have to be Poor"" is a book addressing perhaps the most important component of life for the individual or family. Financial security or the lack thereof is the main factor in the breakdown of families, affecting both mental and physical health. It is not a simple manual on how to become wealthy. It is not just a manual of merely preparing a budget designed to lift the reader from poverty. The theoretical basis of building wealth from a Biblical and a commonsense approach to provide financial guidance is found in this book. Those who don't have a theoretical background of what the government can do and can't do may foster and maintain a mindset of dependence on social programs. The responsibility and accountability of the individual is outlined from a Biblical and a practical standpoint. When given only tools for preparing a budget without addressing root causes of poverty and the characteristics of those who build wealth, one is prone to fall back on old habits. Some will lapse into the same approach to life that was previously unsuccessful. A practical education in the economy of the country and about the world is included to provide the reader of the complexities of a global economy for which we all must prepare to insure the future of our families and our country. Decisions must be made daily that influence the financial standing of everyone, based on future goals. Biblical scriptures address these problems for everyone and perhps leaders of entire countries. Common sense approaches to personal finance based on Scripture from thousands of years ago is stressed, and simple basics have not changed since. It is imperative that habits of sound financial practices become a part of one's daily existence. Each decision should be prayerfully considered, and a budget built from at least a year of transactions should be a guide for making prudent plans. Christians must care for others and provide advice and aid as needed, based on Biblical commands to give to the poor and to help those unable to help themselves. Learning based upon the Scriptures and practical expertise should engage the same approaches when preparing a realistic budget. The focus of this book is not to merely provide handouts but to teach the individual or family to begin a journey leading to financial security, rising from the ranks of the poor through individual effort.

About the Author

Dr. Ridley is a son of the mountains of South Carolina (yes, there are mountains there). From an early age, he developed a love of people and due to a poverty-stricken childhood, realized that it was good to be able to eat and to stay warm in the winter. The latter was learned while delivering newspapers at 5-6 AM for a number of years. These hardships honed his desire to pursue a vocation where he could assist others to obtain a better life, perhaps better than they had ever dreamed. The author is now a retired professor and college administrator who has worked with the young and the not so young in counseling them to insure that their lives were secure from an educational, financial and spiritual perspective. With experience during the Vietnam war as an enlisted soldier and then Desert Storm, rising to the rank of Colonel, he has spent a lifetime of service to others faced with a wide variety of dissimilar challenges. This broad base of experience gives the author a unique blend of practical and academic experience with which to address many of the problem areas of many lives. Many people need the supportive body of Christ, the Church, which can minister in a number of roles which the churches can fill. Unfortunately, most people never prepare for their lifes work, but often just fall into a job and may never leave it, regardless of the undesirable characteristics of the position. This leaves them in a precarious position at retirement, where Social Security will not provide any level of security, nor was it intended to be the only retirement fund for those who are no longer working. In part due to personal challenges in his life, Dr. Ridley sought and obtained a doctorate degree in Health and Human Services, where most of his education was obtained at the University of Georgia. As an author of several textbooks and one novel, the author then attended a number of financial seminars and church training groups which were greatly aided by some of his coursework in accounting and business management. After spending years of individual volunteer counseling and aiding others in establishing workable budgets, and accompanied by church service in a number of volunteer roles, the author has written a book entitled You Don't Have to be Poor. Those who understand the basics of economics in the US and the world are few and far between.

"About this title" may belong to another edition of this title.

Store Description

The Saint Bookstore has a range of over 1 million titles available.

Visit Seller's Storefront

Seller's business information

SB ONLINE LTD
50 Devonshire Road, Southport, PR9 7BZ, United Kingdom

Sale & Shipping Terms

Terms of Sale

Please order through the Abebooks checkout. We only take orders through Abebooks - We don't take direct orders by email or phone.

Refunds or Returns: A full refund of the purchase price will be given if returned within 30 days in undamaged condition.

As a seller on abebooks we adhere to the terms explained at http://www.abebooks.co.uk/docs/HelpCentral/buyerIndex.shtml - if you require further assistance please email us at orders@thesaintbookstore.co.uk

Right of cancellation

If you are a consumer you can cancel 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 CANCELLATION

Statutory Right to cancel

You have the right to cancel this contract within 14 days without giving any reason.

The cancellation 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 the last good or the last lot or piece.

To exercise the right to cancel, you must inform us, THE SAINT BOOKSTORE, 50 Devonshire Road, PR9 7BZ, Southport, United Kingdom, 44 17042241479, of your decision to cancel this contract by a clear statement (e.g. a letter sent by post, fax or e-mail). You may use the attached model cancellation form, but it is not obligatory. You can also electronically fill in and submit a clear statement on our website, under "My Purchases" in "My Account". If you use this option, we will communicate to you an acknowledgement of receipt of such a cancellation on a durable medium (e.g. by e-mail) without delay.

To meet the cancellation deadline, it is sufficient for you to send your communication concerning your exercise of the right to cancel before the cancellation period has expired.

Effects of cancellation

If you cancel 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 cancel with 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 us or THE SAINT BOOKSTORE, 50 Devonshire Road, PR9 7BZ, Southport, United Kingdom, 44 17042241479, without undue delay and in any event not later than 14 days from the day on which you communicate your cancellation 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 cancellation

The right of cancellation does not apply to:

the delivery of newspapers, journals or magazines with the exception of subscription contracts; and
the supply of digital content (including ebooks) 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 cancel it once delivery had started.

Model withdrawal form

(complete and return this form only if you wish to withdraw from the contract)

To: (THE SAINT BOOKSTORE, 50 Devonshire Road, PR9 7BZ, Southport, United Kingdom, 44 17042241479)

I/We (*) hereby give notice that I/We (*) withdraw from my/our (*) contract of sale of the following goods (*)/for the provision of the following goods (*)/for the provision of the following service (*),

Ordered on (*)/received on (*)

Name of consumer(s)

Address of consumer(s)

Signature of consumer(s) (only if this form is notified on paper)

Date

* Delete as appropriate.

Shipping Terms

Most orders usually ship within 1-3 business days, but some can take up to 7 days.

Shipping rates from United Kingdom to U.S.A.

Shipping rates from United Kingdom to U.S.A.
Order quantity	7 to 28 business days	7 to 28 business days
First item	� 15.66	� 17.66

Delivery times are set by sellers and vary by carrier and location. Orders passing through Customs may face delays and buyers are responsible for any associated duties or fees. Sellers may contact you regarding additional charges to cover any increased costs to ship your items.