{"product_id":"bounce-back-9781394205165","title":"Bounce Back","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003e\u003cp\u003eIn \u003ci\u003eBounce Back\u003c\/i\u003e, veteran financial coach and bestselling author Lynnette Khalfani-Cox explains how she slayed six figures of consumer debt in a mere three years and went on to build a seven-figure personal net worth. The author shows you how to take onand defeatthe most common and difficult challenges facing Americans today, from debt, disability, and job downsizing to disasters, discrimination, divorce, and more. She draws on her own extensive experience helping people with their most intractable financial problems, the wisdom of other money coaches, financial therapists, certified financial planners, and psychologists  as well as the inspiring stories of everyday people who have bounced back from adversity. \u003c\/p\u003e\u003cp\u003eEmphasizing the critical importance of emotional, financial, social, and physical resilience, \u003ci\u003eBounce Back\u003c\/i\u003e demonstrates 10 practical and hands-on techniques you can implement immediately to build your resilience and recover fiscally and emotionally from the most \u003cbr\u003e\u003cbr\u003e\u003cb\u003eTable of Contents\u003c\/b\u003e\u003cbr\u003e\u003c\/p\u003e\u003cp\u003eAcknowledgments xxi\u003c\/p\u003e \u003cp\u003eAbout the Author xxiii\u003c\/p\u003e \u003cp\u003eForeword xxv\u003c\/p\u003e \u003cp\u003eIntroduction xxvii\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 1: Resilience and Grit in the Face of Adversity, Transition, and Change 1\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eThe Drive: A Famous Sports Comeback 2\u003c\/p\u003e \u003cp\u003eUnderstanding the Value of Transition and Change 3\u003c\/p\u003e \u003cp\u003eThe Upside of Your Transition and Stress 5\u003c\/p\u003e \u003cp\u003eDefining and Developing Resilience 7\u003c\/p\u003e \u003cp\u003eFinancial Resilience 9\u003c\/p\u003e \u003cp\u003eStructural Inequality and Systems 10\u003c\/p\u003e \u003cp\u003eMany Forms of Resilience 13\u003c\/p\u003e \u003cp\u003eBuilding Emotional Resilience 13\u003c\/p\u003e \u003cp\u003eWrite a Letter to Yourself from the Perspective of a Compassionate Friend 13\u003c\/p\u003e \u003cp\u003eFind a Quiet, Comfortable Place to Write 13\u003c\/p\u003e \u003cp\u003eBegin with a Friendly Salutation 14\u003c\/p\u003e \u003cp\u003eAcknowledge Your Feelings and Struggles 14\u003c\/p\u003e \u003cp\u003eExpress Understanding and Empathy 14\u003c\/p\u003e \u003cp\u003eOffer Support and Encouragement 14\u003c\/p\u003e \u003cp\u003eShare Practical Advice or Coping Strategies 14\u003c\/p\u003e \u003cp\u003eClose the Letter with Kindness and Affirmation 14\u003c\/p\u003e \u003cp\u003eFostering Social Resilience 15\u003c\/p\u003e \u003cp\u003eEnhancing Physical Resilience 15\u003c\/p\u003e \u003cp\u003eRecognizing and Embracing Your Strengths 16\u003c\/p\u003e \u003cp\u003eResources for Resilience and Grit 18\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 2: Building Your Resilience 19\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eStrategy 1: Practicing Mindfulness 19\u003c\/p\u003e \u003cp\u003eStrategy 2: Cultivating Gratitude 20\u003c\/p\u003e \u003cp\u003eStrategy 3: Journaling 21\u003c\/p\u003e \u003cp\u003eStrategy 4: Being Patient with Yourself 22\u003c\/p\u003e \u003cp\u003eStrategy 5: Practicing Self-compassion 22\u003c\/p\u003e \u003cp\u003eStrategy 6: Seeking Professional Help 24\u003c\/p\u003e \u003cp\u003eIdentify the Right Professional for Your Needs 24\u003c\/p\u003e \u003cp\u003eConsider Different Therapy Styles and Techniques 24\u003c\/p\u003e \u003cp\u003eLeverage Online Resources and Support Groups 24\u003c\/p\u003e \u003cp\u003eKeep an Open Mind and Be Patient 25\u003c\/p\u003e \u003cp\u003eStrategy 7: Staying Connected 25\u003c\/p\u003e \u003cp\u003eReach Out to Friends and Family 25\u003c\/p\u003e \u003cp\u003eJoin Support Groups or Clubs 25\u003c\/p\u003e \u003cp\u003eEngage in Community Activities 26\u003c\/p\u003e \u003cp\u003eCreate a Support Network 26\u003c\/p\u003e \u003cp\u003eStrategy 8: Focusing on Self-care 26\u003c\/p\u003e \u003cp\u003eMaintain a Balanced Diet 26\u003c\/p\u003e \u003cp\u003eStay Hydrated 26\u003c\/p\u003e \u003cp\u003eGet Regular Checkups 27\u003c\/p\u003e \u003cp\u003eStretch and Move 27\u003c\/p\u003e \u003cp\u003ePrioritize Personal Hygiene 27\u003c\/p\u003e \u003cp\u003eLimit Screen Time 27\u003c\/p\u003e \u003cp\u003eManage Stress 28\u003c\/p\u003e \u003cp\u003eExercise Regularly 28\u003c\/p\u003e \u003cp\u003eGet Plenty of Sleep 28\u003c\/p\u003e \u003cp\u003eListen to Your Body 28\u003c\/p\u003e \u003cp\u003eStrategy 9: Establishing a New Money Game Plan 29\u003c\/p\u003e \u003cp\u003eAssess Your Current Financial Situation 29\u003c\/p\u003e \u003cp\u003eCreate a Monthly Budget 29\u003c\/p\u003e \u003cp\u003eSet Financial Goals 30\u003c\/p\u003e \u003cp\u003eRegularly Check Your Net Worth 30\u003c\/p\u003e \u003cp\u003eSeek Professional Guidance 30\u003c\/p\u003e \u003cp\u003eStay Proactive and Adaptable 30\u003c\/p\u003e \u003cp\u003eMaintain Open Communication with Loved Ones 31\u003c\/p\u003e \u003cp\u003eStrategy 10: Creating a Financial Plan B 31\u003c\/p\u003e \u003cp\u003eIdentify Potential Risks and Setbacks 31\u003c\/p\u003e \u003cp\u003eEvaluate Your Emergency Fund 32\u003c\/p\u003e \u003cp\u003eReview Your Insurance Coverage 32\u003c\/p\u003e \u003cp\u003eDiversify Your Income Streams 32\u003c\/p\u003e \u003cp\u003eCreate a Plan for Each Scenario 32\u003c\/p\u003e \u003cp\u003eMaintain a Flexible Budget 33\u003c\/p\u003e \u003cp\u003eKeep your Skills Up to Date 33\u003c\/p\u003e \u003cp\u003eReview and Update Your Plan Regularly 33\u003c\/p\u003e \u003cp\u003eResources for Building Resilience 34\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 3: Downsized from a Job 35\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eThe Handwriting on the Wall 36\u003c\/p\u003e \u003cp\u003eDownsizing and Layoffs Are Painful— and Widespread— in America 37\u003c\/p\u003e \u003cp\u003eThe Rise of AI Will Lead to More Job Loss 37\u003c\/p\u003e \u003cp\u003eThe Emotional Aspects of Job Loss 39\u003c\/p\u003e \u003cp\u003eThe Psychological Contract 39\u003c\/p\u003e \u003cp\u003eCoping Strategies to Help 41\u003c\/p\u003e \u003cp\u003eBeing Patient with Yourself 41\u003c\/p\u003e \u003cp\u003ePracticing Self-compassion 41\u003c\/p\u003e \u003cp\u003eSeeking Professional Help 42\u003c\/p\u003e \u003cp\u003eStaying Connected to Others 42\u003c\/p\u003e \u003cp\u003ePrioritizing Self-care 42\u003c\/p\u003e \u003cp\u003eThree Crucial Financial Steps in the Wake of Job Loss 43\u003c\/p\u003e \u003cp\u003eReview and Adjust Your Budget 43\u003c\/p\u003e \u003cp\u003eApply for Unemployment Benefits 43\u003c\/p\u003e \u003cp\u003eBuild or Maintain an Emergency Fund 43\u003c\/p\u003e \u003cp\u003eInterim Economic Moves to Survive a Downsizing 44\u003c\/p\u003e \u003cp\u003eExplore Freelance or Gig Work 44\u003c\/p\u003e \u003cp\u003eConsider Temporary or Part-time Employment 44\u003c\/p\u003e \u003cp\u003eInvestigate Government Assistance Programs 44\u003c\/p\u003e \u003cp\u003eConsider Refinancing or Consolidating Debt 45\u003c\/p\u003e \u003cp\u003eTap into Savings Cautiously 45\u003c\/p\u003e \u003cp\u003eNegotiate with Creditors 45\u003c\/p\u003e \u003cp\u003eSeek Professional Financial Guidance 45\u003c\/p\u003e \u003cp\u003eJob Hunting the Right Way 46\u003c\/p\u003e \u003cp\u003e10 Best Career Reentry Strategies to Find New Employment 47\u003c\/p\u003e \u003cp\u003eReflect, Analyze, and Improve Your Way to a New Job 47\u003c\/p\u003e \u003cp\u003eUpdate Your Résumé and LinkedIn Profile 48\u003c\/p\u003e \u003cp\u003eNetwork the Right Way 49\u003c\/p\u003e \u003cp\u003eEnhance Your Skills 49\u003c\/p\u003e \u003cp\u003ePractice Your Interview Skills 49\u003c\/p\u003e \u003cp\u003eSet Daily Job Search Goals 50\u003c\/p\u003e \u003cp\u003eCreate a Job Search Plan 50\u003c\/p\u003e \u003cp\u003eUse Job Search Engines and Online Resources 50\u003c\/p\u003e \u003cp\u003eAttend Job Fairs and Networking Events 50\u003c\/p\u003e \u003cp\u003eLeverage Social Media 50\u003c\/p\u003e \u003cp\u003eStay Persistent and Positive 50\u003c\/p\u003e \u003cp\u003eShould You Look for Another Job at All? 51\u003c\/p\u003e \u003cp\u003eA Pivotal Turning Point 52\u003c\/p\u003e \u003cp\u003eIs Entrepreneurship Right for You? 53\u003c\/p\u003e \u003cp\u003eDownsized from a Job Resources 55\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 4: Divorce 57\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eThe Financial Cost of My Divorce 59\u003c\/p\u003e \u003cp\u003eWomen Pay Alimony and Child Support Too 60\u003c\/p\u003e \u003cp\u003eCasting Off Your Ex-spouse Financially 61\u003c\/p\u003e \u003cp\u003eStep 1. Close Joint Accounts 62\u003c\/p\u003e \u003cp\u003eStep 2. Update Beneficiaries and Estate Planning Documents 62\u003c\/p\u003e \u003cp\u003eStep 3. Change Your Name If Applicable and If Desired 64\u003c\/p\u003e \u003cp\u003eStep 4. Establish a New Budget 66\u003c\/p\u003e \u003cp\u003eStep 5: Reevaluate Your Insurance Needs 66\u003c\/p\u003e \u003cp\u003eProtecting Your Credit During Divorce 67\u003c\/p\u003e \u003cp\u003eLong-term Planning During Divorce 69\u003c\/p\u003e \u003cp\u003eCommon Financial Mistakes to Avoid During Divorce 70\u003c\/p\u003e \u003cp\u003eNot Understanding Your Financial Situation 71\u003c\/p\u003e \u003cp\u003eOverlooking Tax Implications 71\u003c\/p\u003e \u003cp\u003eFailing to Update Your Estate Plan 71\u003c\/p\u003e \u003cp\u003eKeeping the Family Home Without Considering the Costs 71\u003c\/p\u003e \u003cp\u003eNot Considering the Long-term Impact of Asset Division 71\u003c\/p\u003e \u003cp\u003eIgnoring Insurance Needs 71\u003c\/p\u003e \u003cp\u003eNot Securing Spousal and Child Support Payments 72\u003c\/p\u003e \u003cp\u003eFailing to Establish Individual Credit 72\u003c\/p\u003e \u003cp\u003eMaking Emotional Decisions 72\u003c\/p\u003e \u003cp\u003eNot Seeking Professional Help 72\u003c\/p\u003e \u003cp\u003ePost-divorce Stories of Emotional Recovery 72\u003c\/p\u003e \u003cp\u003eMy Sister’s Divorce Story 74\u003c\/p\u003e \u003cp\u003eDivorce Resources 75\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 5: Death of a Loved One 77\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eLives Forever Changed 78\u003c\/p\u003e \u003cp\u003eThe Road to Recovery 79\u003c\/p\u003e \u003cp\u003eBouncing Back Amid the Pain 80\u003c\/p\u003e \u003cp\u003eCoping Strategies to Deal with Grief 81\u003c\/p\u003e \u003cp\u003eThe Six Transition Truths 82\u003c\/p\u003e \u003cp\u003eTransition Truth No. 1 82\u003c\/p\u003e \u003cp\u003eTransition Truth No. 2 82\u003c\/p\u003e \u003cp\u003eTransition Truths 3–6 83\u003c\/p\u003e \u003cp\u003eThe Trauma of Losing My Sister 83\u003c\/p\u003e \u003cp\u003eUnderstanding Your Ancillary Losses 84\u003c\/p\u003e \u003cp\u003eEmotional Support 85\u003c\/p\u003e \u003cp\u003eFinancial Stability 85\u003c\/p\u003e \u003cp\u003eRoles and Responsibilities 85\u003c\/p\u003e \u003cp\u003eSocial Connections 85\u003c\/p\u003e \u003cp\u003eShared Dreams and Plans 86\u003c\/p\u003e \u003cp\u003eSense of Self 86\u003c\/p\u003e \u003cp\u003eFamiliar Routines 86\u003c\/p\u003e \u003cp\u003eTaking the First Crucial Five Steps 86\u003c\/p\u003e \u003cp\u003eStep 1: Give Yourself Time to Grieve 87\u003c\/p\u003e \u003cp\u003eStep 2: Locate and Organize Important Documents 87\u003c\/p\u003e \u003cp\u003eStart with the Obvious Places 88\u003c\/p\u003e \u003cp\u003eReach Out to Professionals 88\u003c\/p\u003e \u003cp\u003eRequest Duplicates If Needed 88\u003c\/p\u003e \u003cp\u003eCreate a Filing System 88\u003c\/p\u003e \u003cp\u003eKeep a Master List 89\u003c\/p\u003e \u003cp\u003eUpdate Your Records Regularly 89\u003c\/p\u003e \u003cp\u003eStep 3: Inform Relevant Parties and Institutions 89\u003c\/p\u003e \u003cp\u003eObtain Multiple Copies of the Death Certificate 90\u003c\/p\u003e \u003cp\u003eMake a List of Organizations to Contact 90\u003c\/p\u003e \u003cp\u003ePrioritize Your Notifications 90\u003c\/p\u003e \u003cp\u003eKeep Track of Your Communications 91\u003c\/p\u003e \u003cp\u003eBe Prepared to Provide the Necessary Information 91\u003c\/p\u003e \u003cp\u003eSeek Professional Assistance If Needed 91\u003c\/p\u003e \u003cp\u003eStep 4: Assess Your Financial Situation 91\u003c\/p\u003e \u003cp\u003eMake an Inventory of Assets 92\u003c\/p\u003e \u003cp\u003eIdentify Debts and Ongoing Expenses 92\u003c\/p\u003e \u003cp\u003eDetermine Sources of Income and Financial Support 92\u003c\/p\u003e \u003cp\u003eConsult with Professionals 92\u003c\/p\u003e \u003cp\u003eUnderstand Your Legal Responsibilities 92\u003c\/p\u003e \u003cp\u003eStep 5: Create a New Budget and Financial Plan 93\u003c\/p\u003e \u003cp\u003eDetermine Your New Income and Expenses 94\u003c\/p\u003e \u003cp\u003eCreate a Detailed Budget 94\u003c\/p\u003e \u003cp\u003eMake Necessary Adjustments 94\u003c\/p\u003e \u003cp\u003eBuild an Emergency Fund 94\u003c\/p\u003e \u003cp\u003eReevaluate Your Financial Goals 95\u003c\/p\u003e \u003cp\u003eSeek Professional Guidance 95\u003c\/p\u003e \u003cp\u003eHandling Special Circumstances 96\u003c\/p\u003e \u003cp\u003eLoss of Household Income 96\u003c\/p\u003e \u003cp\u003eReduction in Social Security Benefits 96\u003c\/p\u003e \u003cp\u003eChange in Tax Status 96\u003c\/p\u003e \u003cp\u003eLoss of Access to Credit Cards 96\u003c\/p\u003e \u003cp\u003eDelayed or Blocked Access to Savings and Investments 97\u003c\/p\u003e \u003cp\u003eInheritance Complications in Second Marriages 97\u003c\/p\u003e \u003cp\u003eFinding Missing Money 97\u003c\/p\u003e \u003cp\u003eGather Important Documents 97\u003c\/p\u003e \u003cp\u003eContact Insurance Companies 98\u003c\/p\u003e \u003cp\u003eSearch for Bank and Investment Accounts 98\u003c\/p\u003e \u003cp\u003eInvestigate Unclaimed Property 98\u003c\/p\u003e \u003cp\u003eCheck for Retirement Accounts and Pension Benefits 98\u003c\/p\u003e \u003cp\u003eReview Tax Records 98\u003c\/p\u003e \u003cp\u003eConsult with Professionals 99\u003c\/p\u003e \u003cp\u003eMaking It Past the Initial Phase 99\u003c\/p\u003e \u003cp\u003eFinancial Grief Explained 99\u003c\/p\u003e \u003cp\u003eEmotional Responses to Financial Grief 100\u003c\/p\u003e \u003cp\u003eDeath of a Loved One Resources 101\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 6: Disability 103\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eSetting the Bar Higher 105\u003c\/p\u003e \u003cp\u003eWhat Are Disabilities and How Prevalent Are They? 106\u003c\/p\u003e \u003cp\u003eA Comprehensive View of Managing the Challenges Tied to Disabilities 107\u003c\/p\u003e \u003cp\u003eThe Basics of Disability Insurance and How It Can Help Financially 109\u003c\/p\u003e \u003cp\u003eWhat Is Disability Insurance? 109\u003c\/p\u003e \u003cp\u003eBenefits of Disability Insurance 110\u003c\/p\u003e \u003cp\u003eAll About Social Security Disability Insurance 111\u003c\/p\u003e \u003cp\u003eEligibility for SSDI 112\u003c\/p\u003e \u003cp\u003eA Profile of Who Collects SSDI 112\u003c\/p\u003e \u003cp\u003eA Host of Benefits with SSDI 113\u003c\/p\u003e \u003cp\u003eClaiming Social Security Disability Income or Workers’ Comp Benefits 114\u003c\/p\u003e \u003cp\u003eGetting Workers’ Compensation Benefits 115\u003c\/p\u003e \u003cp\u003eWhat to Do If You Get Sued for Overpayment of Disability Benefits 116\u003c\/p\u003e \u003cp\u003eDon’t Ignore the Situation 116\u003c\/p\u003e \u003cp\u003eGather Documentation 116\u003c\/p\u003e \u003cp\u003eContact an Attorney 117\u003c\/p\u003e \u003cp\u003eCommunicate with the Insurance Company or SSA 117\u003c\/p\u003e \u003cp\u003eConsider Possible Defenses 117\u003c\/p\u003e \u003cp\u003ePrepare for Court (If Necessary) 118\u003c\/p\u003e \u003cp\u003eSix Alternative Income Sources When You Have a Disability and Can’t Work 118\u003c\/p\u003e \u003cp\u003eGovernment Benefits 118\u003c\/p\u003e \u003cp\u003eDisability Insurance 119\u003c\/p\u003e \u003cp\u003ePersonal Savings and Investments 119\u003c\/p\u003e \u003cp\u003ePassive Income 120\u003c\/p\u003e \u003cp\u003eSupport from Family and Friends 120\u003c\/p\u003e \u003cp\u003eReverse Mortgages 120\u003c\/p\u003e \u003cp\u003eSafeguarding Your Earnings During a Disability 121\u003c\/p\u003e \u003cp\u003eFederal and State Resources That Help the Disabled and Their Caregivers 122\u003c\/p\u003e \u003cp\u003eFinancial Assistance 122\u003c\/p\u003e \u003cp\u003eHealth Care Resources 122\u003c\/p\u003e \u003cp\u003eHousing Assistance 123\u003c\/p\u003e \u003cp\u003eEmployment Support 123\u003c\/p\u003e \u003cp\u003eEducational Support 124\u003c\/p\u003e \u003cp\u003eTransportation and Mobility Resources 124\u003c\/p\u003e \u003cp\u003eSupport for Caregivers 124\u003c\/p\u003e \u003cp\u003eThe Mind-Body Connections That Can Help You Overcome a Physical Disability 125\u003c\/p\u003e \u003cp\u003eEmbrace a Positive Mindset 125\u003c\/p\u003e \u003cp\u003ePractice Mindfulness and Meditation 125\u003c\/p\u003e \u003cp\u003eEngage in Regular Physical Activity 126\u003c\/p\u003e \u003cp\u003eSeek Social Support 126\u003c\/p\u003e \u003cp\u003eUtilize Therapy and Counseling 126\u003c\/p\u003e \u003cp\u003eConsider Complementary and Alternative Therapies 126\u003c\/p\u003e \u003cp\u003eDevelop Adaptive Strategies 126\u003c\/p\u003e \u003cp\u003eFoster a Sense of Purpose 127\u003c\/p\u003e \u003cp\u003eBouncing Back from Disability 127\u003c\/p\u003e \u003cp\u003eDisability Resources 127\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 7: Disease 129\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eDisease Can Spark a Cascade of Medical Bills 132\u003c\/p\u003e \u003cp\u003eHow to Handle Lost Income and Employment Challenges 134\u003c\/p\u003e \u003cp\u003eAssessing Your Work Abilities and Limitations 135\u003c\/p\u003e \u003cp\u003eExploring Workplace Accommodations and Flexibility 135\u003c\/p\u003e \u003cp\u003eSeeking Vocational Rehabilitation and Career Transition Services 135\u003c\/p\u003e \u003cp\u003eExploring Freelance, Part-time, or Remote Work Opportunities 136\u003c\/p\u003e \u003cp\u003eThe Importance of Building the Right Support System 136\u003c\/p\u003e \u003cp\u003eThe Role of Family, Friends, and Loved Ones 136\u003c\/p\u003e \u003cp\u003eSeeking Emotional Support and Counseling 137\u003c\/p\u003e \u003cp\u003eEngaging with Support Groups and Online Communities 137\u003c\/p\u003e \u003cp\u003eIdentifying and Utilizing Local Resources and Organizations 138\u003c\/p\u003e \u003cp\u003eHow to Communicate with Health Care Providers 138\u003c\/p\u003e \u003cp\u003eUnderstanding Medical Billing and Basic Insurance Terminology 138\u003c\/p\u003e \u003cp\u003eNegotiating Medical Bills and Seeking Financial Assistance 139\u003c\/p\u003e \u003cp\u003eAdvocating for Yourself and Your Health Care Needs 139\u003c\/p\u003e \u003cp\u003eSeeking Alternative Treatment Options and Exploring Cost-saving Strategies 140\u003c\/p\u003e \u003cp\u003eHow to Deal with Insurance Companies 140\u003c\/p\u003e \u003cp\u003eAppealing a Denial from Your Health Insurer 142\u003c\/p\u003e \u003cp\u003eWhat Medical Providers and Health Care Systems Can Do 144\u003c\/p\u003e \u003cp\u003eHow to Handle Medical Debt 145\u003c\/p\u003e \u003cp\u003eThe Vicious Cycle of Chronic Illness, Disease, and Medical Debt 146\u003c\/p\u003e \u003cp\u003eStrategies for Dealing with Medical Debt 147\u003c\/p\u003e \u003cp\u003eNegotiate with the Medical Provider 147\u003c\/p\u003e \u003cp\u003eWork with Independent Advocates and Government Agencies 147\u003c\/p\u003e \u003cp\u003eConsider Debt Consolidation 147\u003c\/p\u003e \u003cp\u003eApply for a 0% APR Credit Card 147\u003c\/p\u003e \u003cp\u003eAll About Charity Care Programs 148\u003c\/p\u003e \u003cp\u003eDrawbacks to Charity Care Programs 149\u003c\/p\u003e \u003cp\u003eUsing “No Surprising Billing” Legislation to Your Advantage 150\u003c\/p\u003e \u003cp\u003eSteps for Taking Care of Your Emotional Health 152\u003c\/p\u003e \u003cp\u003eEmbracing Self-care Practices 152\u003c\/p\u003e \u003cp\u003eSeeking Emotional Support 153\u003c\/p\u003e \u003cp\u003eExploring Mind-body Techniques 153\u003c\/p\u003e \u003cp\u003eEngaging in Peer-to-peer Support 154\u003c\/p\u003e \u003cp\u003eHow to Develop a Financial Recovery Plan 154\u003c\/p\u003e \u003cp\u003eAssessing the Current Financial Situation 154\u003c\/p\u003e \u003cp\u003eSetting Realistic Goals and Timelines 155\u003c\/p\u003e \u003cp\u003eCreating a Budget and Managing Expenses 155\u003c\/p\u003e \u003cp\u003eExploring Financial Assistance Programs and Grants 156\u003c\/p\u003e \u003cp\u003eDisease Resources 156\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 8: Disasters 157\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eNo Aspect of Life Untouched 159\u003c\/p\u003e \u003cp\u003eThe Long-lasting Impact of Natural Disasters 160\u003c\/p\u003e \u003cp\u003eUnderstanding Billion-dollar Weather and Climate Disasters 161\u003c\/p\u003e \u003cp\u003eAn Insider’s View of How Disaster Recovery Works 163\u003c\/p\u003e \u003cp\u003eAll About Free Money from the Red Cross 165\u003c\/p\u003e \u003cp\u003eWhat to Do the First 24 to 72 Hours After a Disaster 166\u003c\/p\u003e \u003cp\u003eEnsure Safety 166\u003c\/p\u003e \u003cp\u003eSeek Help and Inform Authorities 166\u003c\/p\u003e \u003cp\u003eDocument Damage 166\u003c\/p\u003e \u003cp\u003eSecure Temporary Accommodation 166\u003c\/p\u003e \u003cp\u003eBegin Cleaning Up 167\u003c\/p\u003e \u003cp\u003eStart Replacing Vital Documents 167\u003c\/p\u003e \u003cp\u003eContact Your Insurance Company 167\u003c\/p\u003e \u003cp\u003eTake Care of Yourself and Your Family 167\u003c\/p\u003e \u003cp\u003eReturning Home Safely 167\u003c\/p\u003e \u003cp\u003eWhat to Do the First Week to 10 Days After Disaster Strikes 168\u003c\/p\u003e \u003cp\u003eAccess Local Resources 168\u003c\/p\u003e \u003cp\u003eApply for Aid 169\u003c\/p\u003e \u003cp\u003eHow to Secure FEMA Aid After a Disaster 170\u003c\/p\u003e \u003cp\u003eStep 1: Understand Eligibility 170\u003c\/p\u003e \u003cp\u003eStep 2: Prepare Essential Documents 171\u003c\/p\u003e \u003cp\u003eStep 3: Apply for Assistance 171\u003c\/p\u003e \u003cp\u003eStep 4: Inspection and Follow-up 171\u003c\/p\u003e \u003cp\u003eStep 5: Appeal, If Necessary 171\u003c\/p\u003e \u003cp\u003eHow to Handle Living with Disaster Six Months Later 172\u003c\/p\u003e \u003cp\u003eMonitoring Your Mental Health 172\u003c\/p\u003e \u003cp\u003eContinuing Insurance Claims 172\u003c\/p\u003e \u003cp\u003eAddressing Financial and Housing Issues 173\u003c\/p\u003e \u003cp\u003eHow to Cope with Long-term Disasters Six Months to Six Years and Beyond 174\u003c\/p\u003e \u003cp\u003eRebuilding and Repairing 174\u003c\/p\u003e \u003cp\u003eSeeking Long-term Aid 174\u003c\/p\u003e \u003cp\u003eAll About the New Federal Effort Designed to Help Disaster Survivors 175\u003c\/p\u003e \u003cp\u003eHow to Deal with the Two Most Common Insurance Claims Problems 178\u003c\/p\u003e \u003cp\u003eProblem #1: Inadequate Documentation 178\u003c\/p\u003e \u003cp\u003eProblem #2: Lack of Advocacy 179\u003c\/p\u003e \u003cp\u003eHow to Address Trauma and Manage Your Emotions 180\u003c\/p\u003e \u003cp\u003eReach Out 180\u003c\/p\u003e \u003cp\u003ePrioritize Self-care 181\u003c\/p\u003e \u003cp\u003eHow to Plan for Future Natural Disasters 182\u003c\/p\u003e \u003cp\u003eUnderstand Your Environment and Risks 182\u003c\/p\u003e \u003cp\u003eBe Insured 182\u003c\/p\u003e \u003cp\u003eSave on Insurance 182\u003c\/p\u003e \u003cp\u003eUnderstand Your Insurance Policy 184\u003c\/p\u003e \u003cp\u003ePrepare a Go Bag 184\u003c\/p\u003e \u003cp\u003eStockpile Emergency Supplies 184\u003c\/p\u003e \u003cp\u003ePad Your Pantry Wisely 185\u003c\/p\u003e \u003cp\u003eDevelop an Evacuation Plan 185\u003c\/p\u003e \u003cp\u003eSecure and Digitize Important Documents 185\u003c\/p\u003e \u003cp\u003eBuild Your Savings 185\u003c\/p\u003e \u003cp\u003eMake Legal Preparations 186\u003c\/p\u003e \u003cp\u003eMake a Financial Recovery Kit 186\u003c\/p\u003e \u003cp\u003eExplore Earthquake Insurance 186\u003c\/p\u003e \u003cp\u003eFight Off Forest Fires 186\u003c\/p\u003e \u003cp\u003eGet Hurricane Ready 186\u003c\/p\u003e \u003cp\u003eDefend Against Drought 187\u003c\/p\u003e \u003cp\u003eConsider Home Improvements 187\u003c\/p\u003e \u003cp\u003eDisaster Resources 188\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 9: Debt 189\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eHow to Recognize Emotional Spending 190\u003c\/p\u003e \u003cp\u003eHow to Enter the No Shame Zone 191\u003c\/p\u003e \u003cp\u003eA Unique Look at Needs Versus Wants 193\u003c\/p\u003e \u003cp\u003eAn Inspirational Tale of Going from Debt to Wealth 194\u003c\/p\u003e \u003cp\u003eWhat to Do If Your Home Mortgage Has Become Unaffordable 195\u003c\/p\u003e \u003cp\u003eUnderstanding Your Mortgage 196\u003c\/p\u003e \u003cp\u003eLoan Modification 196\u003c\/p\u003e \u003cp\u003eRefinancing 196\u003c\/p\u003e \u003cp\u003eGovernment Programs 196\u003c\/p\u003e \u003cp\u003eSelling Your Home 197\u003c\/p\u003e \u003cp\u003eHow to Navigate Your Home Options 197\u003c\/p\u003e \u003cp\u003eShort Sale or Deed-in-lieu 197\u003c\/p\u003e \u003cp\u003eDeed-in-lieu of Foreclosure 197\u003c\/p\u003e \u003cp\u003eCommunication Is Key 198\u003c\/p\u003e \u003cp\u003eHow to Deal with Your Emotional Burden 198\u003c\/p\u003e \u003cp\u003eFool-proof, Effective Strategies to Knock Out Credit Card Debt Once and for All 199\u003c\/p\u003e \u003cp\u003eUnderstanding Your Credit Card Debt 199\u003c\/p\u003e \u003cp\u003ePay More Than the Minimum 199\u003c\/p\u003e \u003cp\u003eDebt Snowball Versus Debt Avalanche 199\u003c\/p\u003e \u003cp\u003eBalance Transfers and Debt Consolidation 200\u003c\/p\u003e \u003cp\u003eUse Windfalls Wisely 201\u003c\/p\u003e \u003cp\u003eSeeking Professional Help 201\u003c\/p\u003e \u003cp\u003eHow to Cut Auto Loan Debt Even If You’re Leasing or Are Upside Down on a Car Loan 202\u003c\/p\u003e \u003cp\u003eUnderstanding Your Auto Loan 202\u003c\/p\u003e \u003cp\u003eRefinancing Your Auto Loan 202\u003c\/p\u003e \u003cp\u003eSelling Your Car or Trading It In 202\u003c\/p\u003e \u003cp\u003eLeasing a Car Instead 203\u003c\/p\u003e \u003cp\u003eSeeking Professional Help 203\u003c\/p\u003e \u003cp\u003eSmart Ways to Eliminate College Debt for Federal Student Loans and Private Loans 204\u003c\/p\u003e \u003cp\u003eUnderstanding Your Student Loans 204\u003c\/p\u003e \u003cp\u003eRepayment Plans 204\u003c\/p\u003e \u003cp\u003eFederal Loan Forgiveness Programs 204\u003c\/p\u003e \u003cp\u003eRefinancing and Consolidation 205\u003c\/p\u003e \u003cp\u003eGetting Professional Help 206\u003c\/p\u003e \u003cp\u003eHow to Get Others, Such as the Government or an Employer, to Repay Your College Debt 206\u003c\/p\u003e \u003cp\u003eEmployer Student Loan Repayment Assistance Programs 207\u003c\/p\u003e \u003cp\u003eVolunteer Work and Other Programs 208\u003c\/p\u003e \u003cp\u003eGetting Professional Help 208\u003c\/p\u003e \u003cp\u003eSolutions to Get Out of Payday Loan Traps 208\u003c\/p\u003e \u003cp\u003eUnderstanding Payday Loans 209\u003c\/p\u003e \u003cp\u003eAlternate Solutions 209\u003c\/p\u003e \u003cp\u003eDebt Consolidation Loans 210\u003c\/p\u003e \u003cp\u003eSeek Professional Help 210\u003c\/p\u003e \u003cp\u003eEasy Fixes for Worrisome IRS Issues and Tax Debt 210\u003c\/p\u003e \u003cp\u003eUnderstanding Your Tax Debt 211\u003c\/p\u003e \u003cp\u003ePayment Plans 211\u003c\/p\u003e \u003cp\u003eOffer in Compromise 212\u003c\/p\u003e \u003cp\u003eInnocent Spouse Relief 212\u003c\/p\u003e \u003cp\u003eGetting Professional Help 212\u003c\/p\u003e \u003cp\u003ePsychological and Emotional Recovery from Debt 213\u003c\/p\u003e \u003cp\u003eRecognize the Emotional Impact of Debt 213\u003c\/p\u003e \u003cp\u003eSeek Support 213\u003c\/p\u003e \u003cp\u003ePractice Self-care 213\u003c\/p\u003e \u003cp\u003eFocus on the Future 213\u003c\/p\u003e \u003cp\u003eThe Path to a Debt-free Life 214\u003c\/p\u003e \u003cp\u003eRemembering Your Why 214\u003c\/p\u003e \u003cp\u003eStaying Consistent 214\u003c\/p\u003e \u003cp\u003eCelebrating Small Wins 215\u003c\/p\u003e \u003cp\u003eBuilding a New Relationship with Money 215\u003c\/p\u003e \u003cp\u003eDebt Resources 215\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 10: Damaged Credit 217\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eHow to Understand What’s on Your Credit Reports 219\u003c\/p\u003e \u003cp\u003eContents of a Credit Report 219\u003c\/p\u003e \u003cp\u003eThe Importance of Reviewing Your Credit Report Regularly 220\u003c\/p\u003e \u003cp\u003eHow Your Credit Scores Are Calculated 220\u003c\/p\u003e \u003cp\u003eWhat Causes Bad Credit 221\u003c\/p\u003e \u003cp\u003eLate or Missed Payments 222\u003c\/p\u003e \u003cp\u003eCollections and Charge-offs 222\u003c\/p\u003e \u003cp\u003eJudgments and Bankruptcies 223\u003c\/p\u003e \u003cp\u003eHigh Credit Card Utilization 223\u003c\/p\u003e \u003cp\u003eExcessive Credit Inquiries 223\u003c\/p\u003e \u003cp\u003eHow Piggybacking Off Someone Else’s Credit Can Help Your Credit 224\u003c\/p\u003e \u003cp\u003eThe Benefits of Using Secured Credit Cards 225\u003c\/p\u003e \u003cp\u003eUnderstanding Secured Credit Cards 225\u003c\/p\u003e \u003cp\u003eResponsible Credit Usage and Timely Payments 225\u003c\/p\u003e \u003cp\u003eGradually Increase Credit Limits 226\u003c\/p\u003e \u003cp\u003eThe Value of Adding Rent and Nontraditional Information to Your Credit Reports 226\u003c\/p\u003e \u003cp\u003eHarnessing the Power of Rent and Nontraditional Payments 226\u003c\/p\u003e \u003cp\u003eResearch Rent Reporting Services 227\u003c\/p\u003e \u003cp\u003eVerify Reporting Practice 227\u003c\/p\u003e \u003cp\u003eConsistent and Timely Payments 227\u003c\/p\u003e \u003cp\u003eKeep Documentation 227\u003c\/p\u003e \u003cp\u003eHow to Negotiate with Creditors 228\u003c\/p\u003e \u003cp\u003eUnderstanding the Importance of Negotiation 228\u003c\/p\u003e \u003cp\u003eAssess Your Financial Situation 228\u003c\/p\u003e \u003cp\u003eContact Your Creditors 229\u003c\/p\u003e \u003cp\u003ePropose a Workable Solution 229\u003c\/p\u003e \u003cp\u003eBe Professional and Persistent 229\u003c\/p\u003e \u003cp\u003eHow to Achieve Perfect Credit 229\u003c\/p\u003e \u003cp\u003eWhat Exactly Is Perfect Credit? 230\u003c\/p\u003e \u003cp\u003eThe Seven-step Formula to Perfect Credit 230\u003c\/p\u003e \u003cp\u003eStep 1: Pull Your Credit Reports and Credit Scores 231\u003c\/p\u003e \u003cp\u003eStep 2: Examine Your Files and Enroll in Credit Monitoring 231\u003c\/p\u003e \u003cp\u003eStep 3: Reduce Debt and Manage Bills Wisely 232\u003c\/p\u003e \u003cp\u003eStep 4: Fix Errors and Protect Your Credit 233\u003c\/p\u003e \u003cp\u003eStep 5: Enhance Your Credit Files Constantly 234\u003c\/p\u003e \u003cp\u003eStep 6: Contact Creditors and Negotiate 235\u003c\/p\u003e \u003cp\u003eInitiating the Process: Getting Creditors to Collaborate 235\u003c\/p\u003e \u003cp\u003eSix Objectives for Creditors’ Discussions 236\u003c\/p\u003e \u003cp\u003eStep 7: Take Time to Educate Yourself 236\u003c\/p\u003e \u003cp\u003eUnderstanding Your Existing Credit Obligations 236\u003c\/p\u003e \u003cp\u003eKnowledge of Personalized Financial Products and Services 237\u003c\/p\u003e \u003cp\u003eStaying Current on Credit Scoring Developments 237\u003c\/p\u003e \u003cp\u003eAwareness of Credit and Debt Laws 237\u003c\/p\u003e \u003cp\u003eDamaged Credit Resources 237\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 11: Dollar Deficits 239\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eNo Warning and No Good Prospects 241\u003c\/p\u003e \u003cp\u003eNoticing a Pattern Turns into Purpose 243\u003c\/p\u003e \u003cp\u003eDealing with Life’s Blows 244\u003c\/p\u003e \u003cp\u003eCreative Ways to Turbo-charge Your Savings 245\u003c\/p\u003e \u003cp\u003eA Rainy Day Fund Versus an Emergency Fund 245\u003c\/p\u003e \u003cp\u003eSix Ways to Jump-start Your Savings 247\u003c\/p\u003e \u003cp\u003eWhat to Do If You’re Approaching Retirement and Haven’t Saved Enough 248\u003c\/p\u003e \u003cp\u003eAssess Your Current Financial Situation 248\u003c\/p\u003e \u003cp\u003eSet Realistic Retirement Goals 249\u003c\/p\u003e \u003cp\u003eCreate a Budget and Stick to It 249\u003c\/p\u003e \u003cp\u003eMaximize Retirement Contributions 249\u003c\/p\u003e \u003cp\u003eSeek Professional Financial Advice 249\u003c\/p\u003e \u003cp\u003eExplore Additional Income Streams 250\u003c\/p\u003e \u003cp\u003eDownsize and Cut Expenses 250\u003c\/p\u003e \u003cp\u003eConsider Delaying Retirement 250\u003c\/p\u003e \u003cp\u003eInvest Wisely 251\u003c\/p\u003e \u003cp\u003ePrioritize Health and Wellness 251\u003c\/p\u003e \u003cp\u003eStrategies for Creating and Maintaining a Realistic Budget 251\u003c\/p\u003e \u003cp\u003ePrioritize Your Purchases 252\u003c\/p\u003e \u003cp\u003eSet Realistic Savings Goals 252\u003c\/p\u003e \u003cp\u003eKeep It Simple 252\u003c\/p\u003e \u003cp\u003eInclude a Miscellaneous Category 252\u003c\/p\u003e \u003cp\u003eTrack Your Spending 252\u003c\/p\u003e \u003cp\u003eAdopt a Cash-only Mindset 253\u003c\/p\u003e \u003cp\u003eUnderstand Four Important Rules of Budgeting 253\u003c\/p\u003e \u003cp\u003eRule #1: Avoid Overspending 253\u003c\/p\u003e \u003cp\u003eRule #2: Add 20% to Your Planned Expenses 254\u003c\/p\u003e \u003cp\u003eRule #3: Reward Yourself with Treats Along the Way 254\u003c\/p\u003e \u003cp\u003eRule #4: Include a Savings Category in Your Budget 255\u003c\/p\u003e \u003cp\u003eHow to Create a Strong Financial Plan B 255\u003c\/p\u003e \u003cp\u003eDollar Deficit Resources 257\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 12: Discrimination 259\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eHow Discrimination Hurts Us All 262\u003c\/p\u003e \u003cp\u003eAll About Employment Discrimination and the Gender Pay Gap 263\u003c\/p\u003e \u003cp\u003eSome Facts About Redlining and Mortgage and Housing Discrimination 264\u003c\/p\u003e \u003cp\u003eMy Experience with Appraisal Bias and the Appraisal Gap 265\u003c\/p\u003e \u003cp\u003eThe Pitfalls of Predatory Lending 266\u003c\/p\u003e \u003cp\u003eCombating Housing Discrimination 267\u003c\/p\u003e \u003cp\u003eAn Understanding of Racial Discrimination and Its Financial Impact 267\u003c\/p\u003e \u003cp\u003eBanking Deserts in Low-income Neighborhoods 268\u003c\/p\u003e \u003cp\u003eWhy Age Discrimination Is Wrong and Its Financial Impact 269\u003c\/p\u003e \u003cp\u003eAll About Gender Discrimination, Shattering the Glass Ceiling, and the Pink Tax 270\u003c\/p\u003e \u003cp\u003eSome Insights into LGBTQ+ Discrimination 271\u003c\/p\u003e \u003cp\u003eUnequal Access to Health Care and Other Services or Opportunities 272\u003c\/p\u003e \u003cp\u003eFacts About Disability Discrimination and Financial Access 272\u003c\/p\u003e \u003cp\u003eBarriers to Financial Access 273\u003c\/p\u003e \u003cp\u003eLimited Employment Opportunities 273\u003c\/p\u003e \u003cp\u003ePromoting Disability Rights and Financial Inclusion 273\u003c\/p\u003e \u003cp\u003eFive Strategies for Dealing with Discrimination 274\u003c\/p\u003e \u003cp\u003eA Framework for Healing from Workplace Discrimination 276\u003c\/p\u003e \u003cp\u003eCongratulations and an Invitation 276\u003c\/p\u003e \u003cp\u003eDiscrimination Resources 277\u003c\/p\u003e \u003cp\u003eResearch Resources 279\u003c\/p\u003e \u003cp\u003eIndex 287\u003c\/p\u003e","brand":"John Wiley \u0026 Sons Inc","offers":[{"title":"Default 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