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By: Jim Randall (2010)
ISBN 978-0-9818935-4-9
Book Price: $14.95
Plain-English, entertaining, explanation of important topics
Jim Randall is an attorney and entrepreneur who has spent thirty years studying the topics of financial literacy and personal achievement. After years of studying how people learn, RAND Publishing created The Skinny On series of books to provide plain-English, and entertaining storytelling, interpretations of today’s most important topics.
credit card education
Jim Randall uses a creative cartoon-style approach to educate readers. He addresses the points, “What is the Financial Blueprint?” (p. 13); “… card companies …” (p. 50); “… what happens once the money is loaned to you” (p. 60); “…the myth that debt is good…” (p. 93); “… lower your rates…” (p. 135); “The Credit Card Act” (p. 146); even more.
overcoming debt
Jim Randall communicates with a relational, educational style. He engages readers with creativity and provides important information with a mix of humor and everyday language. Jim instructs, “To credit card companies, someone who pays their balance in full each month is a “deadbeat.” True, they want us to be in debt!
Jim’s blunt comments reveal the false presumptions many people live by. He explains, “The reality is that by pushing people to pay only the 2% minimum, credit card companies were helping people dig themselves deeper and deeper into a hole.”
The concise enumeration quickly conveys the points and gives readers a quick grasp of Randall’s insight. He shares, “… by paying $750 per month instead of $500, you can pay off your loan in 44 months instead of 79!” Good News!
Randel adds practical action steps for readers to reap immediate benefits on their information and consolidate knowledge. He advises, “My first suggestion is to call your credit card companies and ask them to lower your rates.”
Jim refers other people in his area to amplify his message. He submits, “Once people see that they can work to get out of debt, they gain energy and momentum; for this reason, some commentators recommend that it be easier to pay off debt on multiple cards.” , people should target the card with the lowest balance.” great wisdom!
Randel notes, “…borrowing…on a credit card, is a way of using future income to pay for immediate consumption.”
master the card game
Jim Randall shows readers how they can master the credit card game. It frees the winners on loan!
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