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The Wall Street Journal Guide to Starting Fresh

How to Leave Financial Hardships Behind and Take Control of Your Financial Life

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eBook published by Crown Business (Crown Publishing Group)

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About This Book
Three years after the economic meltdown began, many of us are still reeling from its devastating effects. Maybe you're among the millions of homeowners who fell behind on their mortgages or you lost your home to foreclosure. Maybe you lost your job and have struggled to find a new one, meanwhile struggling with a drastically reduced income. Or perhaps you're one of the roughly 1.5 million Americans filing each year for bankruptcy.
Or maybe you emerged from the meltdown relatively unscathed, but you've been recently divorced or widowed. Now, along with all the other accompanying emotional hardships, you must deal with a household budget that is dramatically changed. Maybe you experienced an unexpected health crisis that drained your savings or retirement account. Or perhaps you've simply grown tired of having so much debt.

 As tough as these situations are, they aren’t hopeless.. You have options. When the old \ rules for managing your finances no longer apply, you can take control of your situation, wipe the slate clean, and start over.
Here, in the accessible, empathetic, and easy-to-understand style the Wall Street Journal Guidebook series is known for, veteran WSJ personal finance reporter Karen Blumenthal walks you through everything you need to know to leave the past behind you and get your financial life back on track. This includes how to:
 
-Build a trusted team of professionals to help you navigate your new financial landscape
-Get your credit record -  the support beam of your financial scaffolding - back in order
-Recalibrate your budget and weigh your big ticket expenses
-Determine whether you can afford to stay in your home
-Adjust your debts to your new situation
-Assess your health coverage and other necessary insurance
-Invest for your future retirement and other needs
-Craft a sustainable plan for long-term financial health
 
Whether you're recently divorced or widowed, or have declared bankruptcy or lost your home to foreclosure, or simply want to start with a clean slate, you can make a fresh financial start. Covering housing,  insurance, health care, investing, debt, taxes, wills, and more, this book shows readers at all life stages and income levels how to adapt and adjust their finances to their new circumstances and get on the path to a better financial life.
 
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Three years after the economic meltdown began, many of us are still reeling from its devastating effects. Maybe you're among the millions of homeowners who fell behind on their mortgages or you lost your home to foreclosure. Maybe you lost your job and have struggled to find a new one, meanwhile struggling with a drastically reduced income. Or perhaps you're one of the roughly 1.5 million Americans filing each year for bankruptcy.
Or maybe you emerged from the meltdown relatively unscathed, but you've been recently divorced or widowed. Now, along with all the other accompanying emotional hardships, you must deal with a household budget that is dramatically changed. Maybe you experienced an unexpected health crisis that drained your savings or retirement account. Or perhaps you've simply grown tired of having so much debt.

 As tough as these situations are, they aren’t hopeless.. You have options. When the old \ rules for managing your finances no longer apply, you can take control of your situation, wipe the slate clean, and start over.
Here, in the accessible, empathetic, and easy-to-understand style the Wall Street Journal Guidebook series is known for, veteran WSJ personal finance reporter Karen Blumenthal walks you through everything you need to know to leave the past behind you and get your financial life back on track. This includes how to:
 
-Build a trusted team of professionals to help you navigate your new financial landscape
-Get your credit record -  the support beam of your financial scaffolding - back in order
-Recalibrate your budget and weigh your big ticket expenses
-Determine whether you can afford to stay in your home
-Adjust your debts to your new situation
-Assess your health coverage and other necessary insurance
-Invest for your future retirement and other needs
-Craft a sustainable plan for long-term financial health
 
Whether you're recently divorced or widowed, or have declared bankruptcy or lost your home to foreclosure, or simply want to start with a clean slate, you can make a fresh financial start. Covering housing,  insurance, health care, investing, debt, taxes, wills, and more, this book shows readers at all life stages and income levels how to adapt and adjust their finances to their new circumstances and get on the path to a better financial life.
 
Product Details
eBook (208 pages)
Published: December 20, 2011
Publisher: Crown Publishing Group
Imprint: Crown Business
ISBN: 9780307588746
Other books byKaren Blumenthal
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    Bootleg
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    It began with the best of intentions. Worried about the effects of alcohol on American families, mothers and civic leaders started a movement to outlaw drinking in public places. Over time, their protests, petitions, and activism paid off—when a Constitional Amendment banning the sale and consumption of alcohol was ratified, it was hailed as the end of public drunkenness, alcoholism, and a host of other social ills related to booze. Instead, it began a decade of lawlessness, when children smuggled (and drank) illegal alcohol, the most upright citizens casually broke the law, and a host of notorious gangsters entered the public eye. Filled with period art and photographs, anecdotes, and portraits of unique characters from the era, this fascinating book looks at the rise and fall of the disastrous social experiment known as Prohibition.  Bootleg is a 2011 Kirkus Best Teen Books of the Year title. One of School Library Journal’s Best Nonfiction Books of 2011.YALSA Excellence in Nonfiction Finalist in 2012.

    Steve Jobs: The Man Who Thought Different

    Steve Jobs: The Man Who Thought Different
    "Your time is limited. . . . have the courage to follow your heart and intuition."--Steve Jobs From the start, his path was never predictable. Steve Jobs was given up for adoption at birth, dropped out of college after one semester, and at the age of twenty, created Apple in his parents' garage with his friend Steve Wozniack. Then came the core and hallmark of his genius--his exacting moderation for perfection, his counterculture life approach, and his level of taste and style that pushed all boundaries. A devoted husband, father, and Buddhist, he battled cancer for over a decade, became the ultimate CEO, and made the world want every product he touched.  Critically acclaimed author Karen Blumenthal takes us to the core of this complicated and legendary man while simultaneously exploring the evolution of computers. Framed by Jobs' inspirational Stanford commencement speech and illustrated throughout with black and white photos, this is the story of the man who changed our world.   

    Grande Expectations

    Grande Expectations
    A Year in the Life of Starbucks' Stock
    Karen Blumenthal, like most people, is mystified by the stock market. Just why is it, she wonders, that seemingly good news can send a stock plummeting and bad news can send it skyrocketing again? In Grande Expectations, she shows how money is made and lost by following one of America’s hottest growth stocks, Starbucks, through a year of rapid store openings, fancy new drinks, and clever promotions, revealing how the many players—big and small investors, company management, analysts, and the media—propel its shares up and down. Blumenthal pulls back the curtain on the stock market to expose its quirks and inner workings, from the power of a penny of earnings and the unexpected impact of a stock split to the image-enhancing effects of a brand of bottled water. With a fly-on-the-wall, character-driven narrative, Grande Expectations not only makes investing interesting but also will help you make smarter and savvier investing choices by: •Understanding how big pension and mutual fund managers decide whether to buy more Starbucks—or dump it •Seeing the unique ways that analysts and other finance professionals assess an investment—dissecting not only the numbers but also the company’s management, demographics, and global opportunities •Learning how Starbucks executives manage our expectations and keep excitement percolating about the business—and the stock •Watching how a stock is traded and how that might affect your buying or selling •Gleaning how multibillion-dollar private hedge funds make money on infinitesimal changes in a stock’s price •Entering the dark, strange world of the short sellers •Realizing how different people can make absolutely opposite bets and all still come out ahead You’ll come away with new insights into how the stock market really works—the power of expectations, stock buybacks, and profits—and explore Starbucks’ phenomenal growth and whether it is sustainable. By unraveling the market’s mysteries, Grande Expectations shows how investing can be both profitable and understandable. Get ready for the ride of your life—and a lifetime of fruitful stock market success. From the Hardcover edition.

    Six Days in October

    Six Days in October
    The Stock Market Crash of 1929; A Wall Street...
    Over six terrifying, desperate days in October 1929, the fabulous fortune that Americans had built in stocks plunged with a fervor never seen before. At first, the drop seemed like a mistake, a mere glitch in the system. But as the decline gathered steam, so did the destruction. Over twenty-five billion dollars in individual wealth was lost, vanished gone. People watched their dreams fade before their very eyes. Investing in the stock market would never be the same. Here, Wall Street Journal bureau chief Karen Blumenthal chronicles the six-day period that brought the country to its knees, from fascinating tales of key stock-market players, like Michael J. Meehan, an immigrant who started his career hustling cigars outside theaters and helped convince thousands to gamble their hard-earned money as never before, to riveting accounts of the power struggles between Wall Street and Washington, to poignant stories from those who lost their savings -- and more -- to the allure of stocks and the power of greed. For young readers living in an era of stock-market fascination, this engrossing account explains stock-market fundamentals while bringing to life the darkest days of the mammoth crash of 1929.

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