Steven schoombee (10 Ergebnisse)

Taschenbuch. Zustand: Neu. Neuware - 'It's just 290 a month.' Before you say yes to a payment, a lease or a job offer, ask five questions: Purpose, Cost, Risk, Exit, Fit. The Money Choice Method works in any country. It won't tell you your country's rules; it shows you how to find them.In the book, that 290 a month turns into 540 extra on a 3,000 camera, and a 480 shortfall in a slow month. It is the kind of choice that comes up when you start out: a job offer with a pay figure and a page of small print, a friend who wants you to sign as guarantor, a message that promises a guaranteed return. You usually have to choose fast.It is a practical personal finance guide for anyone starting out or starting over, at any age: a first job, a first loan, a first apartment, a fresh start, or a move to a new city or country. It also fits lives that don't match standard advice: freelancers and gig workers with irregular income, people supporting family, and newcomers finding their feet in a new country. The rules change at every border. Your way of deciding shouldn't.The examples use made-up 'units' and invented people, so nothing dates when rates change and the method travels with you when you move. Where a real rate or rule matters, you learn to find it, judge it and keep it in a personal look-up map.The five questions: - Purpose: What is this for - Cost: What does it really cost - Risk: What could go wrong, and how badly - Exit: How easily can I get out or get my money back - Fit: Does it suit my life Exit, the fourth question, asks you to plan your way out before you sign.Inside, you will learn how to: - compare job offers and read a payslip by what you actually take home- plan around a low month, build a payday routine, and size a savings buffer (often called an emergency fund)- test a loan, credit card or buy now, pay later plan before you sign, and spot scams and risky bets- find and judge the real rates, fees and rules where you live, and handle money with family, friends and roommates, including guarantees- settle into a new place with a first-90-days checklist, and turn it all into a plan for your first yearEach chapter opens with a short story, shows the five questions at work on a worked example, and ends with a practical exercise. The back of the book has a decision worksheet, look-up templates, a glossary, a scam checklist you can keep on your phone, and a first-90-days checklist for a new place.Written by Steven Schoombee, an electrical engineer who had to learn money from scratch while working in several countries. He is not a financial advisor, and this book doesn't pretend to be one. It is a clear way to think, built from the decisions he wishes he had known how to make.You don't need to know everything about money. You need a better way to decide.General education only. Not personal financial, tax, or legal advice. …

Taschenbuch. Zustand: Neu. Neuware.

Paperback. Zustand: new. Paperback. "It's just 290 a month." Before you say yes to a payment, a lease or a job offer, ask five questions: Purpose, Cost, Risk, Exit, Fit. The Money Choice Method works in any country. It won't tell you your country's rules; it shows you how to find them.In the book, that 290 a month turns into 540 extra on a 3,000 camera, and a 480 shortfall in a slow month. It is the kind of choice that comes up when you start out: a job offer with a pay figure and a page of small print, a friend who wants you to sign as guarantor, a message that promises a guaranteed return. You usually have to choose fast.It is a practical personal finance guide for anyone starting out or starting over, at any age: a first job, a first loan, a first apartment, a fresh start, or a move to a new city or country. It also fits lives that don't match standard advice: freelancers and gig workers with irregular income, people supporting family, and newcomers finding their feet in a new country. The rules change at every border. Your way of deciding shouldn't.The examples use made-up "units" and invented people, so nothing dates when rates change and the method travels with you when you move. Where a real rate or rule matters, you learn to find it, judge it and keep it in a personal look-up map.The five questions: Purpose: What is this for?Cost: What does it really cost?Risk: What could go wrong, and how badly?Exit: How easily can I get out or get my money back?Fit: Does it suit my life?Exit, the fourth question, asks you to plan your way out before you sign.Inside, you will learn how to: compare job offers and read a payslip by what you actually take homeplan around a low month, build a payday routine, and size a savings buffer (often called an emergency fund)test a loan, credit card or buy now, pay later plan before you sign, and spot scams and risky betsfind and judge the real rates, fees and rules where you live, and handle money with family, friends and roommates, including guaranteessettle into a new place with a first-90-days checklist, and turn it all into a plan for your first yearEach chapter opens with a short story, shows the five questions at work on a worked example, and ends with a practical exercise. The back of the book has a decision worksheet, look-up templates, a glossary, a scam checklist you can keep on your phone, and a first-90-days checklist for a new place.Written by Steven Schoombee, an electrical engineer who had to learn money from scratch while working in several countries. He is not a financial advisor, and this book doesn't pretend to be one. It is a clear way to think, built from the decisions he wishes he had known how to make.You don't need to know everything about money. You need a better way to decide.General education only. Not personal financial, tax, or legal advice. This item is printed on demand. Shipping may be from multiple locations in the US or from the UK, depending on stock availability. …

Paperback. Zustand: new. Paperback. "It's just $200 a month."Before you sign a lease, take a loan, accept a job offer, or say yes to a payment plan, ask five questions: Purpose, Cost, Risk, Exit, Fit.The monthly figure answers only one of them. This book teaches the other four, including the one that is easy to overlook: how easily you can get out. Plan the way out before you go in.In the United States, the right answer depends on your state, your employer, and the fine print. So instead of numbers that go stale, you get a method and a habit: find the current rule on the official page, then write down the date you checked.Inside, you will learn how to: Compare a W-2 job with a 1099 contract by what lands in your handTell a "no interest" offer from one that adds the interest backBuild a buffer and test it against your worst monthSpot a scam, pause under pressure, and read a lease or a health planPlan your first 90 days in a new state or a new country, and your first yearFor first jobs, first leases, freelancers and gig workers, newcomers to the United States, and anyone starting again somewhere new. No finance background needed.Steven Schoombee is an electrical engineer, not a financial advisor. He has never lived in the United States, so he built this edition from official US sources and names each one, so you can check it yourself.General education, not personal financial, tax, or legal advice, and not immigration advice. No tax, legal, or immigration professional has reviewed this edition. This item is printed on demand. Shipping may be from multiple locations in the US or from the UK, depending on stock availability.…

PAP. Zustand: New. New Book. Shipped from UK. THIS BOOK IS PRINTED ON DEMAND. Established seller since 2000.

PAP. Zustand: New. New Book. Shipped from UK. THIS BOOK IS PRINTED ON DEMAND. Established seller since 2000.

PAP. Zustand: New. New Book. Delivered from our UK warehouse in 4 to 14 business days. THIS BOOK IS PRINTED ON DEMAND. Established seller since 2000.

PAP. Zustand: New. New Book. Delivered from our UK warehouse in 4 to 14 business days. THIS BOOK IS PRINTED ON DEMAND. Established seller since 2000.

Paperback. Zustand: new. Paperback. "It's just $200 a month."Before you sign a lease, take a loan, accept a job offer, or say yes to a payment plan, ask five questions: Purpose, Cost, Risk, Exit, Fit.The monthly figure answers only one of them. This book teaches the other four, including the one that is easy to overlook: how easily you can get out. Plan the way out before you go in.In the United States, the right answer depends on your state, your employer, and the fine print. So instead of numbers that go stale, you get a method and a habit: find the current rule on the official page, then write down the date you checked.Inside, you will learn how to: Compare a W-2 job with a 1099 contract by what lands in your handTell a "no interest" offer from one that adds the interest backBuild a buffer and test it against your worst monthSpot a scam, pause under pressure, and read a lease or a health planPlan your first 90 days in a new state or a new country, and your first yearFor first jobs, first leases, freelancers and gig workers, newcomers to the United States, and anyone starting again somewhere new. No finance background needed.Steven Schoombee is an electrical engineer, not a financial advisor. He has never lived in the United States, so he built this edition from official US sources and names each one, so you can check it yourself.General education, not personal financial, tax, or legal advice, and not immigration advice. No tax, legal, or immigration professional has reviewed this edition. This item is printed on demand. Shipping may be from our UK warehouse or from our Australian or US warehouses, depending on stock availability.…

Paperback. Zustand: new. Paperback. "It's just 290 a month." Before you say yes to a payment, a lease or a job offer, ask five questions: Purpose, Cost, Risk, Exit, Fit. The Money Choice Method works in any country. It won't tell you your country's rules; it shows you how to find them.In the book, that 290 a month turns into 540 extra on a 3,000 camera, and a 480 shortfall in a slow month. It is the kind of choice that comes up when you start out: a job offer with a pay figure and a page of small print, a friend who wants you to sign as guarantor, a message that promises a guaranteed return. You usually have to choose fast.It is a practical personal finance guide for anyone starting out or starting over, at any age: a first job, a first loan, a first apartment, a fresh start, or a move to a new city or country. It also fits lives that don't match standard advice: freelancers and gig workers with irregular income, people supporting family, and newcomers finding their feet in a new country. The rules change at every border. Your way of deciding shouldn't.The examples use made-up "units" and invented people, so nothing dates when rates change and the method travels with you when you move. Where a real rate or rule matters, you learn to find it, judge it and keep it in a personal look-up map.The five questions: Purpose: What is this for?Cost: What does it really cost?Risk: What could go wrong, and how badly?Exit: How easily can I get out or get my money back?Fit: Does it suit my life?Exit, the fourth question, asks you to plan your way out before you sign.Inside, you will learn how to: compare job offers and read a payslip by what you actually take homeplan around a low month, build a payday routine, and size a savings buffer (often called an emergency fund)test a loan, credit card or buy now, pay later plan before you sign, and spot scams and risky betsfind and judge the real rates, fees and rules where you live, and handle money with family, friends and roommates, including guaranteessettle into a new place with a first-90-days checklist, and turn it all into a plan for your first yearEach chapter opens with a short story, shows the five questions at work on a worked example, and ends with a practical exercise. The back of the book has a decision worksheet, look-up templates, a glossary, a scam checklist you can keep on your phone, and a first-90-days checklist for a new place.Written by Steven Schoombee, an electrical engineer who had to learn money from scratch while working in several countries. He is not a financial advisor, and this book doesn't pretend to be one. It is a clear way to think, built from the decisions he wishes he had known how to make.You don't need to know everything about money. You need a better way to decide.General education only. Not personal financial, tax, or legal advice. This item is printed on demand. Shipping may be from our UK warehouse or from our Australian or US warehouses, depending on stock availability. …