House Poor No More

There are plenty of books on how to buy, sell, or invest in real estate. But there isn’t one that brings together homeownership with money management investing and retirement planning. This is that book.” — Bruce Sellery, author of Moolala and CEO of Credit Canada This handbook for smart homeownership explains how to... ✔️ Proactively maintain your home ✔️ Increase property value with smart renos ✔️ Reduce monthly expenses ✔️ Take advantage of debt ✔️ Live life as a happy homeowner What this book will give you Just because you buy a home—or buy stock or save money—doesn't make it smart. It's what you do with the asset—whether it's a home or stock purchase or savings in some account—that is smart. It's whether the asset ends up being an investment that works to grow your net worth or just an expensive product you own. What you'll find in this book are strategies for maintaining, protecting and increasing the value of your home, while finding small and big ways to save money. Broken down into eight steps, with the final ninth step that wraps up what you've learned. What people are saying about the book Personal finance experts agree, this is a must read for homeowners There are plenty of books on how to buy, sell or invest in real estate. There isn’t one that brings together homeownership with money management, investing and retirement planning. This is that book. – Bruce Sellery, author of Moolala and CEO of Credit Canada House Poor No More is the perfect handbook to prepare yourself as a homeowner. After reading House Poor No More, I know what renovations are worth the investment and how to prioritize maintenance, plus so many other homeownership secrets you could never find with a Google search or internet-deep-dive. Romana King's 20 years of real estate experience and homeownership knowledge are pared down into digestible takeaways extremely valuable for the average homeowner. – Alyssa Davies, author of The 100-Day Financial Goal Journal and MixUpMoney Romana offers readers important tools for making strategic real estate decisions. She shows how to fulfil our emotional desire for homeownership while also building long-term wealth — without having to pinch our lifestyle or compromise other financial goals. – Rita Silvan, former Editor-in-Chief at ELLE CANADA and Golden Girl Finance In her new book, Romana King dismisses the notion that homeownership is either a good decision or a bad decision. Instead, she helps us acknowledge the emotional need for owning a home and then sets out a plan to help all homeowners make smarter, more strategic decisions when it comes to their home. – Karin Mizgala, author of Unstuck: How to Get Out of Your Money Rut and Start Living the Life You Want and CEO Money Coaches Canada Romana King helps readers understand if homeownership is the right decision for them (right now.) House Poor No More, King discusses how to set a goal of homeownership and to use it to build your wealth long term. Most importantly she provides much-needed tools to help you navigate today’s overheated housing market. – Rubina Ahmed-Haq, creator of Always Save Money, 20-year business and finance reporter House Poor No More does an excellent job of explaining how and why homeownership is a smart, strategic tool for our emotional and financial well-being. Following the tips and tactics outlined in this book, anyone can become a smarter homeowner and grow their personal net worth. – Robert R. Brown, author of Wealthing Like Rabbits

Follow the Advice in This Book, If You Want To Achieve Financial Freedom! Did you know your house is a money machine which has the capability to make you rich by retirement? It's true! Just follow the advice in this book, and you will discover how to turn your home equity into a source of immediate, no-strings-attached cash flow. Learn 'insider secrets' about Real Estate and Investing that you never knew before, such as... - What the banks do with your money - and how to do the same thing, but for yourself! - How to reap above-average returns on your investments through better cash management. - Why you do not need to depend on risky paper investments (stocks, bonds, mutual funds, etc). Make money the safe way instead! - Erase your credit card debt in one easy move. - How to ensure you have enough in the bank for retirement! - 6 key financial questions to ask yourself now - before it is too late. - Smartest (and surprisingly easy) way to get tax refunds, year after year! - How to find money you didn't even know you had and make it work hard for you. There is so much more you will learn from this book. In fact, the step by step system revealed in these pages will change your life. Start reading this book today - and reap the financial benefits for the rest of your life!

One of the Best 5 Books of 2014 — Esquire "I’ve been waiting for this book for a long time. Well, not this book, because I never imagined that the book I was waiting for would be so devastatingly smart and funny, so consistently entertaining and unflinchingly on target. In fact, I would like to have written it myself – if, that is, I had lived Linda Tirado’s life and extracted all the hard lessons she has learned. I am the author of Nickel and Dimed, which tells the story of my own brief attempt, as a semi-undercover journalist, to survive on low-wage retail and service jobs. Tirado is the real thing." —from the foreword by Barbara Ehrenreich, New York Times bestselling author of Nickel and Dimed We in America have certain ideas of what it means to be poor. Linda Tirado, in her signature brutally honest yet personable voice, takes all of these preconceived notions and smashes them to bits. She articulates not only what it is to be working poor in America (yes, you can be poor and live in a house and have a job, even two), but what poverty is truly like—on all levels. Frankly and boldly, Tirado discusses openly how she went from lower-middle class, to sometimes middle class, to poor and everything in between, and in doing so reveals why “poor people don’t always behave the way middle-class America thinks they should.”

The housing market, like any other investment, has always had its ups and downs. But ever since it started its upswing at the beginning of this decade, the ride has become more thrilling—and more dangerous. One day, home values are skyrocketing and cheap money is up for grabs; the next day, houses linger on the market and interest rates rise alarmingly high. Home buyers and sellers are beginning to recognize that however the market moves where they live, they must be prepared to make smart housing decisions. Written by veteran real estate reporter June Fletcher, House Poor teaches you everything you need to know to weather the ups and downs of the housing market, including: How to tell whether your hometown is likely to boom or bust When to take equity out of your house How to buy as a first-time home owner or as an investor during turbulent times How to protect your home investment When and how to sell your home Today's volatile housing market could make you house poor. This book will keep you house proud.

A NEW YORK TIMES NOTABLE BOOK • From an award-winning journalist, a poignant and gripping immersion in the life of a young, homeless single mother amid her quest to find stability and shelter in the richest city in America LONGLISTED FOR THE PEN/JEAN STEIN BOOK AWARD • “Riveting . . . a remarkable feat of reporting.”—The New York Times Camila is twenty-two years old and a new mother. She has no family to rely on, no partner, and no home. Despite her intelligence and determination, the odds are firmly stacked against her. In this extraordinary work of literary reportage, Lauren Sandler chronicles a year in Camila’s life—from the birth of her son to his first birthday—as she navigates the labyrinth of poverty and homelessness in New York City. In her attempts to secure a safe place to raise her son and find a measure of freedom in her life, Camila copes with dashed dreams, failed relationships, the desolation of abandonment, and miles of red tape with grit, humor, and uncanny resilience. Every day, more than forty-five million Americans attempt to survive below the poverty line. Every night, nearly sixty thousand people sleep in New York City-run shelters, 40 percent of them children. In This Is All I Got, Sandler brings this deeply personal issue to life, vividly depicting one woman's hope and despair and her steadfast determination to change her life despite the myriad setbacks she encounters. This Is All I Got is a rare feat of reporting and a dramatic story of survival. Sandler’s candid and revealing account also exposes the murky boundaries between a journalist and her subject when it becomes impossible to remain a dispassionate observer. She has written a powerful and unforgettable indictment of a system that is often indifferent to the needs of those it serves, and that sometimes seems designed to fail. Praise for This Is All I Got “A rich, sociologically valuable work that’s more gripping, and more devastating, than fiction.”—Booklist “Vivid, heartbreaking. . . . Readers will be moved by this harrowing and impassioned call for change.”—Publishers Weekly “A closely observed chronicle . . . Sandler displays her journalistic talent by unerringly presenting this dire situation. . . . An impressive blend of dispassionate reporting, pungent condemnation of public welfare, and gritty humanity.” —Kirkus Reviews

A new way forward for sustainable quality of life in cities of all sizes Strong Towns: A Bottom-Up Revolution to Build American Prosperity is a book of forward-thinking ideas that breaks with modern wisdom to present a new vision of urban development in the United States. Presenting the foundational ideas of the Strong Towns movement he co-founded, Charles Marohn explains why cities of all sizes continue to struggle to meet their basic needs, and reveals the new paradigm that can solve this longstanding problem. Inside, you’ll learn why inducing growth and development has been the conventional response to urban financial struggles—and why it just doesn’t work. New development and high-risk investing don’t generate enough wealth to support itself, and cities continue to struggle. Read this book to find out how cities large and small can focus on bottom-up investments to minimize risk and maximize their ability to strengthen the community financially and improve citizens’ quality of life. Develop in-depth knowledge of the underlying logic behind the “traditional” search for never-ending urban growth Learn practical solutions for ameliorating financial struggles through low-risk investment and a grassroots focus Gain insights and tools that can stop the vicious cycle of budget shortfalls and unexpected downturns Become a part of the Strong Towns revolution by shifting the focus away from top-down growth toward rebuilding American prosperity Strong Towns acknowledges that there is a problem with the American approach to growth and shows community leaders a new way forward. The Strong Towns response is a revolution in how we assemble the places we live.

Drama, as I see it, is a lack of order or control (chaos) that is often times self inflicted. In John 10 Jesus is quoted as saying that the purpose of him coming was that we would have life and have it abundantly. In other words it is God's plan that we live a drama free life. No More Drama provides insight and illumination on the dark areas of our lives. It shares the honest truth about what causes drama and how to remove drama from your life. In this book you will discover the following. What is drama? The affects of Drama. How to live a Drama free lifestyle The blessing of adhering to divine order The key to victory in life is to identify self-defeating behavior and make proper adjustments. No More Drama provides the road map to overcoming life's challenges in the areas of: Relationship (Single & Married) Finances Church Family It is my prayer and belief that everyone can live a life of joy and inner fulfillment. I wrote this book because I have a passion to see people win in life. You can experience Gods best for your life by applying proven principles for success. We must take on the responsibility for controlling your own destiny . Success is never an accident; so we must plan to win. You and I must declare NO MORE DRAMA IN YOUR LIFE.

A NATIONAL BESTSELLER SHORTLISTED FOR THE BALSILLIE PRIZE FOR PUBLIC POLICY It took the coronavirus pandemic to open our eyes to the deplorable state of so many of the nation's long-term care homes: the inhumane conditions, overworked and underpaid staff, and lack of oversight. In this timely new book, esteemed health reporter André Picard reveals the full extent of the crisis in eldercare, and offers an urgently needed prescription to fix a broken system. When COVID-19 spread through seniors' residences across Canada, the impact was horrific. Along with widespread illness and a devastating death toll, the situation exposed a decades-old crisis: the shocking systemic neglect towards our elders. Called in to provide emergency care in some of the hardest-hit facilities in Ontario and Quebec, the military issued damning reports of what they encountered. And yet, the failings that were exposed--unappetizing meals, infrequent baths, overmedication, physical abuse and inadequate personal care--have persisted for years in these institutions. In Neglected No More, André Picard takes a hard look at how we came to embrace mass institutionalization, and lays out what can and must be done to improve the state of care for our elders, a highly vulnerable population with complex needs and little ability to advocate for themselves. Picard shows that the entire eldercare system--fragmented, underfunded and unsupported--is long overdue for a fundamental rethink. We need to find ways to ensure seniors can age gracefully in the community for longer, with supportive home care and respite for family caregivers, and ensure that long-term care homes are not warehouses of isolation and neglect. Our elders deserve nothing less.