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The Skinny on Credit Cards: How to Master the Credit Card Game Perfect Paperback – April 1, 2009


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Frequently Bought Together

The Skinny on Credit Cards: How to Master the Credit Card Game + How You Can Profit from Credit Cards: Using Credit to Improve Your Financial Life and Bottom Line + How To Take Advantage of the People Who Are Trying To Take Advantage of You: Credit Arbitrage
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Product Details

  • Series: The Skinny on
  • Perfect Paperback: 176 pages
  • Publisher: Rand Media Co; 1st edition (April 1, 2009)
  • Language: English
  • ISBN-10: 0981893546
  • ISBN-13: 978-0981893549
  • Product Dimensions: 8.4 x 5.5 x 0.6 inches
  • Shipping Weight: 5.6 ounces (View shipping rates and policies)
  • Average Customer Review: 4.6 out of 5 stars  See all reviews (40 customer reviews)
  • Amazon Best Sellers Rank: #782,574 in Books (See Top 100 in Books)

Editorial Reviews

Review

"I love this book, what a terrific job. This book can literally save you a fortune!" --Gerri Detweiler, Ultimate Credit Solutions Inc

"The Skinny on Credit Cards discusses a complex financial matter...in a way that even someone with no credit history can easily understand. This is no small achievement." --Curtis Arnold, Founder, U.S. Citizens for Fair Credit Card Terms, Inc., Author

"Written in an easy to understand style, and with a good dose of humor, The Skinny on Credit Cards gives the reader everything he/she needs to know to use credit cards more responsibly. A must read for teens and adults alike." --James Roberts, Professor, Baylor University

About the Author

Jim Randel, a graduate of the Columbia University College and Law School, has made his living as an entrepreneur. During his 30-year career, Jim has been the lead investor in many real estate and business deals. He has been a guest speaker at Harvard and NYU Business Schools, annual conventions for national organizations, and investor sessions in every large city in the United States. He has also appeared on numerous networks as an expert on investing. Recent engagements include ABC, CBS, Fox, Fox Business and BetterTV.com. <BR><BR> Throughout his career, Jim's passion has been to teach and write. His first book, The Real Estate Game (CCH), was published in 1986 and received national recognition from investors and critics. From 1988 to 1990 he was a daily commentator on the Financial News Network (now CNBC). In 2006 he wrote Confessions of a Real Estate Entrepreneur (McGraw-Hill) which reached #1 in several Amazon categories. <BR><BR> In 2008 Jim founded Rand Media Co, which, under the imprint The Skinny On™, publishes a revolutionary line of illustrated non-fiction books. <BR><BR> The first book in this series, The Skinny on the Housing Crisis, was awarded First Prize in the prestigious Robert Bruss Real Estate Book competition sponsored by NAREE, a group of 600 journalists who cover business and finance. This was quickly followed by 8 more titles: The Skinny on Willpower, The Skinny on Credit Cards, The Skinny on Success, The Skinny on Real Estate Investing, The Skinny on Direct Sales (also available in Spanish as The Skinny on Venta Directa), The Skinny on Time Management, The Skinny on the Art of Persuasion, and the newest in the series, The Skinny on Networking. <BR><BR> Jim lives and works in Westport, Connecticut with his wife Carol. They have four grown children and two grandchildren.

More About the Author

Jim Randel, a graduate of the Columbia University College and Law School, has made his living as an entrepreneur. During his 30-year career, Jim has been the lead investor in many real estate and business deals. He has been a guest speaker at Harvard and NYU Business Schools, annual conventions for national organizations, and investor sessions in every large city in the United States. He has also appeared on numerous networks as an expert on investing. Recent engagements include ABC, CBS, Fox, Fox Business and BetterTV.com.

Throughout his career, Jim's passion has been to teach and write. His first book, The Real Estate Game (CCH), was published in 1986 and received national recognition from investors and critics. From 1988 to 1990 he was a daily commentator on the Financial News Network (now CNBC). In 2006 he wrote Confessions of a Real Estate Entrepreneur (McGraw-Hill) which reached #1 in several Amazon categories.

In 2008 Jim founded Rand Media Co, which, under the imprint The Skinny On™, publishes a revolutionary line of illustrated non-fiction books.

The first book in this series, The Skinny on the Housing Crisis, was awarded First Prize in the prestigious Robert Bruss Real Estate Book competition sponsored by NAREE, a group of 600 journalists who cover business and finance. This was quickly followed by 8 more titles: The Skinny on Willpower, The Skinny on Credit Cards, The Skinny on Success, The Skinny on Real Estate Investing, The Skinny on Direct Sales (also available in Spanish as The Skinny on Venta Directa), The Skinny on Time Management, The Skinny on the Art of Persuasion, and the newest in the series, The Skinny on Networking.

Jim lives and works in Westport, Connecticut with his wife Carol. They have four grown children and two grandchildren.

For more information on Jim Randel, go to: www.JimRandel.com.
For more information about the Skinny on series, go to: www.TheSkinnyOn.com.

Customer Reviews

A copy of this book was provided for review by the publisher.
Margaret Picky
The presentation in stick figures, the examples, the story makes this a very interesting book to read and an informative one.
Tommy Skylar
You will learn all the terms used by the credit card companies.
John Chancellor

Most Helpful Customer Reviews

7 of 8 people found the following review helpful By famousdavis VINE VOICE on March 8, 2010
Format: Perfect Paperback
QUICK SUMMARY: This quirky, mildly humorous, quick-reading book provides a wealth of information for anyone willing to spend an hour reading it. Taken to heart, the information and tips could save you or someone you love a lot of money and heartache. Highly recommended!

*** What I LIKED:

- The book succeeds in helping ANYONE understand credit cards
- In spite of the low-tech stick figures it employs, the book succeeds in creating a storyline that keeps the reader reading
- It humorously delivers its important messages
- It can be read in about an hour, yet the information and wisdom it imparts can guide a person for a lifetime
- It explains the "Rule of 72" and the FICO credit score
- It's up-to-date with the recent federal law changes that were passed in 2009
- It defines words like "median" and "algorithm", so it doesn't talk over the reader's ability to understand
- It takes a neutral stance on the debate whether people should EVER use credit by presenting a variety of viewpoints from well-known gurus like Dave Ramsey, Suze Orman and Liz Pulliam Weston.
- It has a good "Further Reading" section at the end of the book
- It concisely names "15 Important Points" about credit cards at the end of the book

*** What Could Be Better:

- The book sometimes cites its sources for the statistics it shares, but often times, it doesn't. I like to know the source of any statistic.
- It lacks an Action Plan at the end of the book that tells the reader the next steps to take (especially if the reader is in credit card debt)
- No index. Even this book would benefit from an index.
- Stick figures are, quite simply, unimaginative and boring to look at!
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6 of 7 people found the following review helpful A Kid's Review on May 24, 2010
Format: Perfect Paperback
Among my first experiences with credit cards was in the early 1990s at weekend Mets games. A credit card marketing firm had set up several tents festooned with Mets beach towels and t-shirts around Shea Stadium.

The towels and t-shirts were not for sale, but for filling out a credit card application. The nice young people manning the booths were quick to point out that there was no obligation to use the card. "There is no catch," one of them said.

All you had to do was fill out the application and they would immediately present you with a towel or t-shirt. And if your application was approved, the new credit card would shortly arrive in the mail.

I had a feeling that there was a catch. I took one of the applications, and between innings, I looked at the fine print. Once you charge an item, there was a 28-day grace period where you would not be charged interest. However, if you didn't pay the full amount, you would hit with an annual 21% finance charge. I tore up the application.

I didn't fall for the ploy. However, I saw plenty of other folks signing up and walking away with Mets beach towels and t-shirts. They may have been free for that day, but I would bet that they would turn out to be the most expensive towels and t-shirts they had come to own. I am sure that many of the naive baseball fans would never have applied for the cards if they understood the fine print.

Too bad these folks didn't have a copy of The Skinny on Credit Cards. Unlike many personal finance books that use long paragraphs to explain the perils of credit card debt, this book uses the "Power Point" slide approach. In a page or less it explains how APRs work, why it's important to pay in full every month, and why credit card companies are not your friend.
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3 of 3 people found the following review helpful By Richard R. Blake TOP 1000 REVIEWERVINE VOICE on April 17, 2010
Format: Perfect Paperback
In easy to understand non technical terms Jim Randel discusses the complex issues associated with credit card financing. "The Skinny of Credit Cards" helps the reader understand how to avoid the pitfalls of incurring credit card debt and how to make the credit card a tool for enhancing their lifestyle.

Jim Randel narrates the story of Billy and Beth, a typical young couple, who have run up $ 25,000 in credit card debt. Using the familiar format of the "Skinny On" series the book uses illustrations created by Malinda Nass to accompany the narrative with stick figure drawings, humorous dialog, and summary statements which give concise, yet a comprehensive distillation of hours of research and reading. The quotes and references are well documented and include a list of resources for future reading or study.

Key principles are presented, reviewed, and reiterated in summary statements. I am impressed with the amount of information I have assimilated and retained in each of the "Skinny On" books which I have read. I find the books ideal for ready reference in my home office library.

I highly recommend "The Skinny On Credit Cards" for anyone wanting to:
Escape from credit card debt, improve their credit score, lower their interest rate, avoid paying fees, and identify credit company tricks. I consider reading and applying the principles presented in the book as an investment in peace of mind.
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2 of 2 people found the following review helpful By Tommy Skylar on April 12, 2010
Format: Perfect Paperback
Credit cards are a tricky subject; they are rather complicated and hard to understand. Many people would like to learn more about them and pick up some advices along the way to make things easier. Jim Randel's "The Skinny On" series takes a complicated subject and gives you the knowledge you need in a book that you can read in less than two hours. After all not everyone has time to read a very long book and find the courage to read it so it's for the better truly. Credit cards were a good subject for a new book in this series and once again it worked. By the way was given a copy by the publisher and I thank him for it!

You can never have too much money, well sort of. Credit card are an easy way of payment, they are direct and you don't have to carry money, in today's world everybody is getting them. Almost any individual of who applies for a card can get one and that might be a problem, young adults who have no idea how a credit card works are often given one by companies and then suffer huge debts latter in life. Credit card companies earn a lot of money from their customers; some of them could even be you. Those companies can change their rates at anytime and just like the credit cards their contracts are difficult to understand, plus it can be hard to get out of debt, those are is the bad side. They attract you and suck you into the credit card system where it's very easy to be in debt. The facts are present in the book, as an example the average credit debt in American households is of $7.066! For instance making the minimum payment each month keeps you in debt, nothing new here but paying in full each month will decrease not only debt but also the interest that you own the credit card companies so that each payment you make decreases more and more debt than the one before.
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