[PDF]The No Money Book

THE

NO

MONEY

BOOK


JAMES J VARELA

LIFE COACH


The No Money Book


Copyright © 2018 James Joseph Varela; All Rights Reserved

Published by Tertius Vir Publishing

No part of this book may be reproduced or transmitted in any form or
means, electronic or mechanical, including photocopying, recording, or
by any information storage and retrieval systems, without written
permission from the publisher and author.


ISBN 978-1-64316-038-2


First Date of Publication July 2018



Disclaimer


As the old saying goes. “I cannot tell you what to do; I can only tell you
what I would do if I were you. “Throughout the book, I will mention
brand names of goods and services. I recommend these products to
readers as I either use or used them myself or they are renowned for
value and quality. As this book goes to publication, I receive no
royalties nor any compensation of any kind from these manufacturers or
service providers. I tell them to readers and let them decide if they are
useful to their situation and needs. This book is not some get rich fast
formula book. It is a plan for living. I did not invent the information the
reader will learn they have been tested across time what I have done is
as much as possible is to explain these methods in laymen’s terms. This
edition is updated as it goes to print. Readers should use online No
Money Book online resources such as the book blog and Twitter for the
latest updates and news as you strive to overcome life’s obstacles meet
your goals. This book teaches the mechanics on how to solve problems.
It does not guarantee you will succeed that is determined in large part by
you the reader on how hard and smart you are willing to work to achieve
your life goals and your creativity and talent.


James Varela,


Sarasota Florida



Table of Contents


Ackno wled gments

Table of Contents

Disclaimer

• Preface

• About the Author

• Direction

• What you can expect to gain from the information in this book

• The No Money Book Ten Commandments

• Chapter One. Crash Dive No Money & In Crisis - Emergency
Strategies

• Chapter Two No Money No Benefits












Chapter Three No Money for New Car


Chapter Four No Money Need Part Time Job

Chapter Five No Money for Rent or Mortgage
Chapter Six No Money Older Workers

Chapter Seven No Money No Lawyer

Chapter Eight No Money Older Workers and Single Moms

Chapter Nine No Money Government Services

Chapter Ten No Money & Retired

Chapter Eleven No Money, Thrifty Living

Chapter Twelve No Money & In Debt

Chapter Thirteen The Free Life. All for Free

Chapter Fourteen Career Advice for Those Starting in the World of

Work


Chapter Fifteen The System
















Acknowledgments


Most of the information in this book is not my invention. Over the last
52 yrs. of my life I have had many teachers and mentors who have
pointed me the way on various challenges I faced.


Victoriano Alvarez 1900-1986.

E. Joseph Cossman 1918-2002.
Brainard L Mellinger 1920-1990.
W. Clement Stone 1902-2002
Dale Carnegie 1888-1955
Dr. Paul C Bragg 1895-1976
J. Paul Getty 1892-1976
Jack Benny 1894 - 1974
Napoleon Hill 1893-1970
Zig Ziglar 1926-2012


James P Varela 1936-1999



Preface


The Great Recession is now a memory, but for millions of Americans,
daily life remains a constant struggle to pay bills let alone save money.
Young people worry about college costs and future job prospects &

Food Stamp & Welfare rolls stay at record levels, are are real poverty
and near-poverty rates. This book is in many ways a personal memoir
for me as I have lived through most of what I teach. The No Money
Book is not a just a book on how to survive hard times it is a program
for living in order for you to reach your fullest potential. Whether it is
getting free legal advice, saving your home from foreclosure, career
strategies or getting affordable health & life insurance or dealing with
debt collectors. The No Money Book will help you deal with these
issues.

I have written the information in the book with a straight to the point
solutions to problems. It is impossible to provide in-depth knowledge on
every subject covered so for more knowledge about a subject I refer you
to further reading from an expert on that subject. If you are reading the
printed version I would also recommend the Kindle book and place it on
your smartphone, so you can read the materials for knowledge and
information wherever you go and have a spare minute

For those aspiring business people who want to own their own business,
this book will guide you on how to reach your goal using little of your
own money and give you direction on how to turn your talent into a
money-making enterprise. For those in business, you will find much of
the guidance in this book on finance, business development, and sales
management and generation.



Across my adult life, I dealt with health crises when uninsured, had to
struggle to pay for College, had to cope with a catastrophic illness hit
my family when I was in my early 20s that ate nearly 20 years of my life
and the aftershocks I still feel today. I faced personal bankruptcy and
credit issues. I know what it is like to be forced to work jobs that were
beneath my intelligence and education as I was living in an area that
afforded little job opportunity for young people. I know the struggles of
job seekers as I have been both a job seeker in areas where there was
often limited opportunity and a recruiter for an IT staffing company in
Los Angeles for a time.

If you under 35, you will find The No Money Book a useful tool. The
Millennial generation has been financially damaged due to Washington
Policies and changes in the world economy. For example: In 1965 the
median age of the new Corvette or Porsche or similar sports car buyer
was under 30. Today most buyers for these kinds of cars are over age 55.
My parents bought their first home, a 2100 sq. Ft house with a two-car
garage in a nice middle-class area in 1969 for $21000. Or $142000 in
2018 dollars. That house would sell for $300 000 in 2018. Small
wonder Millennials are struggling to afford homes. Today’s young
people under 35 are the most strapped generation of young people since
the 1930s.

Many young people are drowning in Student Loan debt, many are
graduating and making the same, or near the same incomes, their parents
earned in the 1990s while prices for homes and new cars get further out
of reach. If you are struggling and cannot find any solutions this book
will guide you. If you are in a job that is not what you want to do with
your life and have a dream you do not know how to make reality read
this book cover to cover and upon the last page, you will have the
answers and direction you need.


It never ceases to amaze me to what a degree people waste money. The
WWII generation that lived through the Great Depression knew the



value of a dollar which is why so many could work and live well and
still save money. Read the No Money Book cover to cover, and you will
never view things as a consumer in the same way again. The emphasis I
put is on thrifty living, not cheap living.

About the Author

James Varela was born in Dubuque Iowa and raised in Sarasota Florida.
James’ life has been a roller-coaster ride across the socioeconomic
landscape of America. When he turned 23, his mother was diagnosed
with a terminal liver disease which interrupted the course of his life and
the effects of this crisis would last for years. During the hard years of
early adulthood, James was living in a small Florida town and unable to
move away due to his mother’s illnesses. During these years James had
to deal with personal illness with no money or health insurance, legal
problems when professional legal advice was unaffordable. James
knows how it feels to be forced to work a job that is beneath one’s skills,
education, and intelligence and to endure unkind remarks and gossip
from ignorant strangers who are unaware of your circumstances.

Despite these early obstacles James went on to earn two University
degrees. A.S. in Computer Information Systems & B.A. in Public
Administration. The home he lives in was built in 1987. When the house
was built, the neighborhood was considered a working-class
neighborhood today many of his neighbors are young college educated
people. During the thick of the Great Recession friends and
acquaintances having hard times for the first time in their lives came to
James for advice which he tried to give, and these people often would
comment “You Should Write a Book! “During his adult life James
worked in retail sales and management, auto and real estate sales,
technology sales and human resources. Today James is a Disability
Specialist and works for the State of Florida Department of Children &
Families.



Direction


When you were a child in school, your math teacher taught you
mathematics; your history teacher taught you history and your English
teacher taught you English.

I teach direction

Direction is the single most important point of this book. In life, you
must have a direction to reach your goals and dreams and overcome
problems, and The No Money Book is that direction. One of the main
reasons I wrote it was to help young people. When I was in my twenties
and most of my thirties I struggled and felt great sympathy with today’s
young people. The unstable job market which offers wages and salaries
stuck in 1999 as well as the student loan racket is hurting young people
the most. My sincere advice is to realize it’s not your fault, today
financial security for people under thirty even for people with college
degrees today is hard to achieve. If you are ready to take your own life
into your hands. The No Money Book belongs on your Kindle or me
Phone or Nook.


What Can You Expect to learn from The No Money Book?

• Hard times Survival Skills: Debt defense. Low-cost legal help,
create your own benefits package when your job provides none.
Thrifty shopping and living.

• Job and Career Strategies: Tapping the hidden job market.
Government jobs, job seeking skills. Resume tuning.

• Health Care: Insurance for the uninsured, real prices on overseas
cosmetic, dental and guidance on affordable health care issues.


Learn the System


The No Money Book Ten Commandments

1. Thou shall live beneath one's means

2. Thou shall always have more than one income source

3. Thou shall always live thrifty but never cheap

4. Thou shall cut the cable /satellite television

5. Thou shall waste nothing

6. Thou shall start living not simply surviving

7. Thou shall manage “business “and personal relationships
correctly

8. Thou will always put something each month away to long¬
term savings

9. Thou will get at least a two-year College Degree

10. Thou shall commit to physical and mental fitness



Chapter 1


No Money Crisis / Emergency


“You Cannot Live Your Life Without Going Through a Personal Crisis, You will
Never Avoid them you can only prepare for Them ’’

James Varela


Introduction

This chapter is for people in crisis. The information in this chapter will
help you stabilize your finances and move on and come back and fight
another day. In these situations, the most important goal is immediate
stabilization of the crisis to restore stability to your life. You will find
these tools as powerful weapons.



When a submarine is in crash dive mode, the Captain must take drastic
steps to save the boat. In hard times you must make similar decisions,
you would not have made in better times. In the business world, the
cold reality is you must put your interests first because if you do not, it is
unlikely anyone else will. Throughout this book, I will refer to financial
matters or work matters as the business world. The business world is
the world you interact with outside your close circle of friends and
family. Later I will go into this in detail. For now, read this section to
understand these key points.


• If you are in debt it is likely you do not owe that money to a person
who was your best friend since childhood who put faith in you and
now you, and now you are leaving them without payment. When
you owe money to a bank or on a credit card or any consumer debt
you owe that money to a multi-billion-dollar bank or similar
organization where you are a faceless number on their balance
sheet. The Bank and Credit Industry know in the business world
losses occur, and the marketplace will absorb them, and business
goes on. If you are overwhelmed with bills, give yourself a break
you are not alone. If you are in circumstances where an attorney
has told you bankruptcy or another debt charge-off may be needed,
then do so and do not worry yourself over it. The American free
enterprise system is a profit and loss system and situations like
yours happen every day.

Never attempt to negotiate with a creditor on your own. This book
will teach you how to get affordable legal help.

Never file bankruptcy on your own. You need a bankruptcy
attorney, not some guidebook or the services of a paralegal.


A. Crash Dive!

Part of Submarine warfare involves a Submarine Commander to
order a crash dive when the boat is under attack by enemy ships and



needs to make a fast and covert escape. During hard financial times,
when you are overwhelmed with unpaid bills, home facing
foreclosure, unemployment, and letters from collectors you need
tools and information. This section, we will go over the steps to
restore peace and order to your life.

This section of the book is for people struggling in hard times and
are looking for a path out. For those facing a financial crisis
situation, this section is the most important in this book. The
government keeps saying the U.S. economy is strong. To a degree,
this remains correct. The country had come a long way from the near
collapse in 2008-2009 but for many families’ life is a struggle.

We all like to think the United States is a country where someone
born into poverty and rise through hard work and talent to achieve
success, to a large extent this is true. America has many rags to riches
stories but in recent years’ other nations have surpassed the United
States regarding social mobility. In 2017 about 50% of Americans
were in the middle class the rest were wealthy or living in poverty or
near poverty. The one-time millionaire living on Food Stamps and
the onetime factory worker who struck it rich by inventing a
profitable gadget have become rarer and rarer in the last 30 yrs.

I turned 50 in 2015, and I am old enough to remember the 1960s
>>>