Bad credit happens to good people, but it doesn’t have to ruin their lives. While there are many books about how to repair bad credit, there are exactly zero books about how to live with bad credit (the reality of more than 11.3 million Americans) and zero books about how to live well with bad credit. That’s where Living Well with Bad Credit (HCI – January 2010) comes in.

It’s a unique book that offers:
* Usable tips on how to embrace, and even benefit from, a low credit score

* Invaluable advice for dealing with ‘lifestyle’ events such as how to buy a
car or qualify for a credit card with bad credit

* Interviews with dozens of experts and successful professionals who
share ideas on how to live with the negative effects of bad credit

* Practical discussion on topics that go beyond finance, such as healing
self-esteem and building relationships in spite of bad credit.While bad credit can be a setback, it doesn’t have to be

Visit the Living Well With Bad Credit website for more information.

About the authors:

Chris Balish is a bestselling author, and an on-air contributor for NBC’s Today Show, MSNBC, and CNN.

Geoff Williams writes daily for AOL’s personal finance blog, WalletPop.com, as well as HGTV’s real estate web site.

TLC Book Tours TOUR STOPS for Living Well With Bad Credit:

Wednesday, February 3rd:  Fiscal Geek

Thursday, February 4th:  Starting Fresh

Tuesday, February 9th:  Jessie’s Money

Wednesday, February 10th:  The Centsible Life

Thursday, February 11th:  Enemy of Debt

Tuesday, February 16th:  My Journey to Millions

Wednesday, February 17th: My Next Buck

Thursday, February 18th:  Financial Samurai

Tuesday, February 23rd: Green Panda Treehouse

Wednesday, February 24th:  My Pretty Pennies

Thursday, February 25th:  Fiscal Fizzle

Date TBD:  Money Crashers

• Hardcover: 224 pages
• Publisher: Avery (January 4, 2010)

For those in the know, today’s financial headlines don’t spell disaster–they spell the sale of the century. But it takes a trustworthy veteran of the trading trenches to guide investors through these volatile times. Drawing on his two decades as a financial reporter, plus three recent years working on Wall Street, Ron Insana helps readers restore their depleted portfolios by showing them:

·How to determine reemerging opportunities in submerged markets

·Where to invest in really legit real estate

·How to magnify the magnificent opportunities in municipal bonds and Treasury Inflation Protected Securities (TIPS)

·Where to go mining for the rare gems among the heaps of junk bonds now piling up around the world, and more

Revealing essential tricks of the trade and explaining complex concepts in an easy way, Insana makes Wall Street’s lucrative tips accessible to Main Street. For anyone sifting through retirement-account wreckage or a tanking net worth, How to Make a Fortune from the Biggest Bailout in U.S. History is the ultimate rescue manual for reaping rich rewards.

About Ron

Ron Insana is an award-winning financial journalist, having worked seventeen years at CNBC and seven years at the Financial News Network. He has also managed his own funds business and worked at a major Wall Street hedge fund.

Ron Insana’s TLC Book Tours TOUR STOPS:

Tuesday, January 5th:  JoeTaxpayer

Wednesday, January 6th:  Money Crashers - New Years Bash and contest announcement- $5700 in cash and prizes, including a copy of this book!

Tuesday, January 12th:  Starting Fresh

Tuesday, January 19th:  Financial Samurai

Thursday, January 21st:  Money Crashers

Tuesday, January 26th:  The Centsible Life

Thursday, January 28th:  My Journey to Millions

Friday, January 29th:  Fiscal Fizzle

Wednesday, February 3rd:  Wealth Pilgrim

Thursday, February 4th:  Investor Junkie

Hardcover: 272 pages

Publisher: Avery (December 24, 2009)

According to the 2009 Retirement Confidence Survey, only 13% of workers were “very confident” about saving enough money for a comfortable retirement—down from 27% in 2007.  But they need not worry.

YOUR MONEY RATIOS: 8 Essential Tools for Financial Success and Security (Avery, January 2010, $26.00) by Charles J. Farrell, financial advisor and CBS MoneyWatch columnist, will revolutionize the way people manage their personal finances.  Regardless of bull or bear markets, YOUR MONEY RATIOS  helps readers take control of their finances through its unique and accessible ratio system. By implementing Farrell’s ratios, people of every age and tax bracket will have an integrated, proven approach to successfully managing personal finance.

YOUR MONEY RATIOS offers tips and strategies for everyone from those just beginning to build a financial future to the savviest of investors. Regardless of age or income, this program helps to obtain financial security and provides a logical system to stay there. There is also an online calculator available to all who purchase the book that allows the reader to plug in their own numbers and receive an instant evaluation.

Unlike needlessly complicated guides, YOUR MONEY RATIOS simplifies personal finance, providing readers with incredibly practical, no-nonsense tools for creating a healthy financial present and future and helps answer the basic questions of personal finance:

How much should I be saving each year?

How much should I have saved at my age?

How much debt should I carry?

How do I invest my savings?

What insurance do I need?

Visit the Your Money Ratios website HERE.

About Charles Farrell, J.D., L.L.M.

Charles Farrell, J.D., LL.M., is an investment adviser with Northstar Investment Advisors. His column “Retirement Roadmap”, appears on the CBS Moneywatch site, and his research is frequently cited in The Wall Street Journal, Smart Money,theChicago Tribune, and many other consumer and professional media outlets. He lives in Denver.

Charles Farrell’s TLC Book Tours TOUR STOPS:

Monday, January 4th:  Fiscal Geek

Tuesday, January 5th:  Suburban Dollar

Wednesday, January 6th:  M is for Money

Thursday, January 7th:  Financial Samurai

Friday, January 8th:  Debt Free Adventure

Monday, January 11th:  Million Dollar Journey

Tuesday, January 12th:  Frugal Dreamer reschedule

Wednesday, January 13th:  The Centsible Life reschedule

Thursday, January 14th:  Money Crashers

Friday, January 15th:  JoeTaxpayer

Monday, January 18th:  Jessie’s Money

Tuesday, January 19th:  Money Blue Book

Wednesday, January 20th:  The Centsible Life

Wednesday, January 20th:  Money Under 30

Thursday, January 21st:  Dough Roller

Tuesday, January 26th:  Free From Broke

Thursday, January 28th:  CashMoneyLife

TBD:  Budgets Are Sexy