I don't follow Suze Orman but I know that many of my readers do. Oprah Winfrey is giving all of her viewers a free digital copy of Suze Orman's latest book (227 pages). As such, I am pointing my readers to the book as well. The free download is available until January 15.
This is the disclaimer on Oprah's Web site:
"This book is copyrighted. You may view and download the file, but you may not copy the file or share or forward it to any other person."
In other words, Oprah doesn't want you making copies of the file or sharing or forwarding the file to anyone. If you want to share the book with someone send the link to them. What's I've done is downloaded the file and saved a copy to my hard drive. And this note: When you get to the file, you'll notice that it's at 349%. You'll want to make the book look smaller. Do that by reducing the size to 100%.
The book is no longer available. I have removed the link.
Thursday, January 8, 2009
Suze Orman's 2009 Action Plan Book -- Free Digital Copy
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20 comments:
All info is useful. Just use your brain and don't follow anything blindly.
And free allways kicks A.
Clutch, yep. I don't read her (I don't read any PF writers, actually, so no slight to Orman) but I know my readers do. So, I posted it up.
Free is free. And I love free.
The only thing I would warn people is that she is on MyFico's payroll. I listen to her once in a while and enjoy finding her blatent errors when it comes to credit cards. She seems to have it right when it comes to investment info though.
Just ignore her when she reminds you to feed the monster (MyFico)
Clutch, because I have only seen her a few times on television, I am not familiar with her shilling techniques. But duly noted on her pitching FICO scores.
She should tell people to come to my site and use my FICO ads (discount code is CPPSAVINGS) -- and get 20% off. Does Suze Orman tell people that there is a 20% discount? LOL.
And I would advise people to pull FICO only when they are going to make a big purchase. Otherwise, you likely don't need to know what your score is.
Pay your bills, watch your utilization, and things will work themselves out.
I agree. I wasn't dissing MyFico, it just needs to be used properly.
And no, Suze does not plug my favorite blog or mention any 20% discount... shame on her.
She needs to tout your favorite blog. And shame on her for not giving those FICO scores out at a discount.
Thank you so much for posting this link. Suze Orman was the one that finally woke me up about finance. I was watching her on a PBS special a few years ago, and was stunned to learn about statutes of limitations on debts, and other tidbits about personal credit.
And while I was on the Internet fact checking some of the statements she made on the show, I found Creditboards.com, and now I also follow your blog, Marcus.
LAN, I don't have much to say about Suze. When I have watched her, she has made sense. I hear that she makes errors sometimes, but we all do. Trust me, I make mistakes around here all the time.
Dave Ramsey, even though I do not agree with his message about credit cards (equaling debt), has some good things to say too.
I'll take my information wherever I can get it. I'll throw out what I don't think is valuable to me.
Suze always bragged on American Express being the best credit card out there and when people were having trouble with other card companies, she would say "American Express doesn't treat their customers badly...you should go with them, etc., etc., etc.". Many people did go with American Express, including me, and low and behold my credit card limits were slashed within $200 of my credit card balances!!" If I hadn't had other available credit on the cards she warned us about, I would have been up the river with no where to transfer my Amex card balances. I still have Blue Cash for now because they left that one decent, but once that balance is gone, I am not using the card anymore. Suze doesn't mention credit card spending now at all. She is focused on us getting rid of ALL credit cards. She did have a message for the credit card companies last Saturday night, 1/3/09 by telling them they are wrong in what they are doing to the consumer by raising their rates and making things very uncomfortable for us. She has to know what the raises in APRs and slashing credit limits has to be doing to one's FICO score. I would think she would want to withdraw her support of FICO if she feels the general public is suffering from credit card debt and wants to help us!
What I can't understand is why the PF people tell you to pay off your credit cards, lowest or highest one first and pay the MINIMUM on all your other cards. Then in the next breath or paragraph, they tell you to pay more than the minimum on all your credit cards so your APRs won't go higher and/or make the credit company nervous that you won't be able to pay your bill at all if they raise your APRs!!! I am so confused about this. How can you do both on a get rid of debt plan?
Anyway, my DH received his statement from BOA yesterday and they had raised his APR from 10.99% to 27.99% and minimum payment from $87.00 to $168.00!!!! He opted out. I understand more of this is to follow from the other card companies.
I also heard this morning on Al Roker's 911 Money with Jean Chadsky that some credit card companies are allowing people to pay off their debt at 0% until the balance is paid off. Anyone else hear this? I came in on the tail end, as usual LOL - CiifIcare
CifIcare, here is a Suze Orman spoof for ya. It was done by Saturday Night Live.
http://www.hulu.com/watch/19681/saturday-night-live-suze-orman
Hi Marcus,
I subscribe to my FICO and purchased all three reports last month (using your coupon, btw). I was under the impression that in doing would not impact my score. Is that right? Should I keep MYFICO? Thanks. Jon
Pulling your own scores has no impact on your FICO scores, Jon.
What myfico.com product do you have? Scorewatch?
Great, that's what I thought. Yes, Scorewatch.
Best regards,
-J
No worries. Your score is not impacted. It's you monitoring your own scores. They're soft pulls.
Just out of curiosity, how do you like scorewatch? I had it before (a long time ago). The alerts were sporadic. Do you get timely alerts when your scores change?
I find it to be quite useful. The alerts are indeed sporadic, but you can customize the settings and MYFICO will alert you each time your score goes up or down (according to how you set it up). Also, everytime my CRA is pulled, they send an alert. I suppose, for someone like myself, rebuilding credit, it's good to know every little step your score takes. -J
Excellent, Jon. Just want to make sure that my readers are getting a decent product.
And that's a good point you make. If you are rebuilding, I bet you're curious to see what your score is up to. And smart about setting up score parameters so that you get an alert.
Thanks for the feedback.
Just skimmed the book.
Not bad at all for a freebie ;-)
Exactly. I figured that some of my readers wouldn't mind having a FREE book. I even downloaded and saved a copy to my hard drive.
Well, it took all of two minutes to find a glaring error:
"If you pay off your balance, you are
less likely to have your credit card
limit reduced; and even if it is redu-
ced, it will not have a negative impact
on your FICO score."
I'm sorry, Suze, but what is this complete fantasy you're having about FICO scores?
Not surprising, Spooky. I can't wait to go through the book. Will be interesting to see what kinds of errors there are.
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