I Am The Lender

When we think about the basics of financial literacy, if you pay attention its easy to see what side of the field these financial institutions want us to play. We are taught to only be consumers and producers, not knowing that the real game of money starts when you find our that you can be the banker. From downtown, to the ordinary neighborhood corner, banks are always the biggest, brightest and tallest buildings in any community. As a kid, I was never intrigued by the shiny cars of the ballers on TV, I was never impressed by the bling of the hottest rapper of the day, I was never in awe over seeing the lifestyle of the rich and famous. I was always focused on trying to find the source for all of these peoples lifestyles. I wanted to know who was the real boss funding the show. As I begin to research, I came to a realization that the big boss was hiding right under our noses, THE BANK. Everyone talks about how much they need the bank, for their consumer purchases and especially their businesses. I always wanted to learn how I could become the bank, how I could become the lender. Seeing my father for years create passive income from private lending to friends, co workers and neighbors, gave me the confidence to know that we all have the power to become the bank, but the real question was how. In this book you will learn how to leave that destructive consumer thinking behind you and learn the true ways of how you, can become the banker of your life. This book will give you all the tips and applicable strategies needed to take your finances to the next level. It's time for you to start playing the real game of money, by becoming the banker!

"A hilarious book about the city vs. suburb divide." --New York Post, a Must-Read Book "City Mouse is a sharp and sophisticated novel of suburban life with a narrative voice that is equal parts witty, observant, and vulnerable. A wonderful debut! --Susan Isaacs, New York Times best-selling author "For every city mom who fears death by suburbia--and for every suburban mom who wonders if it's just her--this insightful, funny trip into the secrets behind those picket fences is required reading." --Maureen Sherry, author of Opening Belle "City Mouse reminds mothers of that priceless lesson: the grass is always greener...and maybe even alcohol-soaked Astroturf. I tore through this book like a bored, competitive housewife tears through her Xanax." --Faith Salie, author of Approval Junkie "Lender sharply portrays the corrupt privilege of upper-middle-class suburbanites, and with a twist of her pen, the Stepford Wives take the upper hand over their husbands...the climactic explosion takes everyone by surprise. A bracingly tart portrait of suburban hell." --Kirkus Reviews "Lender's enlightening, beautifully plotted novel dives deep into the notion of having it all while playing with the shallow notions of the American dream." --Publishers Weekly "This defines a beach read for me! So relatable to our own lives as it is all about mom trying to find out exactly where she fits in the in the scheme of suburbia--all that goes along with it. Plus, when a book is described as The Stepford Wives meets Bad Moms, how can you go wrong?" --Mom of the Year (blog), included in 20 Best Summer Books "It's not long before neighborhood secrets give away to scandal, proving the grass--and the Astroturf--isn't always greener on the other side of the white-picket fence." --Star Magazine "With real estate prices on the rise, Jessica, Aaron, and their kids are forced to ditch their chichi Manhattan digs for the suburbs. Though she had her worries, Jessica settles into her new normal with ease--but when she embarks on a moms-only trip with her new galpals, she ends up learning a few eye-opening lessons that spur her to reevaluate her life." --OK! Magazine "Lender's debut novel is positively irresistible. It's hilarious and insightful and just the type of book any city girl needs to tote to her vacation rental this summer...even with three kids in tow." --Daytime Confidential Priced out of their Manhattan neighborhood, Jessica and Aaron move with their young daughters to the one place Jessica swore she'd never go: the suburbs. But to Jessica's surprise, life in the commuter belt makes a great first impression. She quickly falls in with a clique of helpful mom friends who welcome her with pitchers of margaritas, neighborhood secrets, and a pair of hot jeans that actually fit. Still, it's hard to keep up in a crowd where everyone competes for the most perfectly manicured home and latest backyard gadgets. And what's worse, as the only working mom in her circle, Jessica sometimes feels disconnected and alone. So she's thrilled when she's invited to a moms-only weekend at the beach, which she assumes will mean new opportunities for real talk and bonding. Instead, the trip turns into a series of eye-opening lessons, and Jessica must decide if she's strong enough to be honest with herself about the sort of life she really wants.

This paradigm-shifting book helps believers understand the process of being transformed by God's grace and truth, and challenges them to be a part of the process of discipleship in the lives of their fellow brothers and sisters in Christ. Counseling One Another biblically presents and defends every believer's responsibility to work toward God's goal of conforming us to the image of His Son-a goal reached through the targeted form of intensive discipleship most often referred to as counseling. All Christians will find Counseling One Another useful as they make progress in the life of sanctification and as they discuss issues with their friends, children, spouses, and fellow believers, providing them with a biblical framework for life and one-another ministry in the body of Christ.

The practice of charging interest on loans has been controversial since it was first mentioned in early recorded history. Lending is a powerful economic tool, vital to the development of society but it can also lead to disaster if left unregulated. Prohibitions against excessive interest, or usury, have been found in almost all societies since antiquity. Whether loans were made in kind or in cash, creditors often were accused of beggar-thy-neighbor exploitation when their lending terms put borrowers at risk of ruin. While the concept of usury reflects transcendent notions of fairness, its definition has varied over time and place: Roman law distinguished between simple and compound interest, the medieval church banned interest altogether, and even Adam Smith favored a ceiling on interest. But in spite of these limits, the advantages and temptations of lending prompted financial innovations from margin investing and adjustable-rate mortgages to credit cards and microlending. In Beggar Thy Neighbor, financial historian Charles R. Geisst tracks the changing perceptions of usury and debt from the time of Cicero to the most recent financial crises. This comprehensive economic history looks at humanity's attempts to curb the abuse of debt while reaping the benefits of credit. Beggar Thy Neighbor examines the major debt revolutions of the past, demonstrating that extensive leverage and debt were behind most financial market crashes from the Renaissance to the present day. Geisst argues that usury prohibitions, as part of the natural law tradition in Western and Islamic societies, continue to play a key role in banking regulation despite modern advances in finance. From the Roman Empire to the recent Dodd-Frank financial reforms, usury ceilings still occupy a central place in notions of free markets and economic justice.

Finally! Everything you need to know to become a remarkably successful hard money lender in real estate—by an acknowledged leader in the field. Are you looking for a lucrative career in hard money lending in real estate? Are you fed up investing in overpriced stocks or working for someone else? Have you considered entering the real estate field but don’t want to be a landlord? Do you long for the financial rewards and independence that are the rewards of creating and managing your own successful real estate investment fund? Then the landmark new book, Making the Yield: Real Estate Hard Money Lending Uncovered, by Salvatore M. Buscemi is an absolute must read! In straightforward, inviting language, he tells you everything you need to know—from how to create the fund and attract qualified investors to how to select builders and others to lend to, choose sound investment properties, structure risk away from you and your investors, manage the fund, and time the closing of the fund to reap maximum profits for you and your investors. With the author’s expert step-by-step guidance, you’ll be able to establish your initial fund and begin to build a track record of success that will allow you to grow into the kind of confident, successful fund manager that investors search for and trust with their money.

The inspirational story of how Nobel Prize winner Muhammad Yunus invented microcredit, founded the Grameen Bank, and transformed the fortunes of millions of poor people around the world. Muhammad Yunus was a professor of economics in Bangladesh, who realized that the most impoverished members of his community were systematically neglected by the banking system -- no one would loan them any money. Yunus conceived of a new form of banking -- microcredit -- that would offer very small loans to the poorest people without collateral, and teach them how to manage and use their loans to create successful small businesses. He founded Grameen Bank based on the belief that credit is a basic human right, not the privilege of a fortunate few, and it now provides $24 billion of micro-loans to more than nine million families. Ninety-seven percent of its clients are women, and repayment rates are over 90 percent. Outside of Bangladesh, micro-lending programs inspired by Grameen have blossomed, and serve hundreds of millions of people around the world. The definitive history of micro-credit direct from the man that conceived of it, Banker to the Poor is the moving story of someone who dreamed of changing the world -- and did.

The crucial information you need to secure a reliable loan modification and save your home Behind on your mortgage payments? Worried about losing your home? Don't panic. Loan Modification For Dummies gives you the reliable, authoritative, easy-to-understand guidance you need to apply for and secure a loan modification that lowers your monthly house payment and keeps you in your home. This practical, plain-English guide leads you step by step through the loan modification process, from contacting your lender to applying for a loan modification, evaluating the lender's initial offer, and negotiating a modification that lowers your monthly payment while helping you catch up on any past-due amounts. You'll learn how to communicate with your bank or loan servicer, recognize and avoid loan-modification scams, and find a knowledgeable loan modification specialist, if you choose not to do it yourself. Advice on determining whether you're likely to qualify for your lender's loan modification program Guidance on preparing and submitting a loan modification application that improves your chances of success Helps you figure out a monthly payment you really can afford Tips on modifying your loan even when you owe more than your home's current market value Negotiation advice for securing the best possible terms and lowest monthly payment Resources for contacting your lender, obtaining free or affordable third-party assistance, and getting government agencies on your side Read Loan Modification For Dummies and start saving your home today.

Former subprime lender Richard Bitner once worked in an industry that started out helping disadvantaged customers but collapsed due to greed, lack of financial control and willful ignorance. In Confessions of a Subprime Lender: An Insider's Tale of Greed, Fraud, and Ignorance, he reveals the truth about how the subprime lending business spiraled out of control, pushed home prices to unsustainable levels, and turned unqualified applicants into qualified borrowers through creative financing. Learn about the ways the mortgage industry can be fixed with his twenty suggestions for critical change.