101 Ways to Get Out Of Debt and On the Road to Wealth (PDF)

Ashley Ormond was one of Australia's first PC-equipped
'mobile lenders', starting out in the early 1980s with
a financial calculator, a dual-floppy drive Compaq portable PC and
a portable Epson thermal printer in his car. This was before the
age of mobile phones, the internet, Windows, Excel, or even hard
drives. It was back in the days when:

* lenders actually analysed each borrower's
ability to repay

* borrowers actually had to have a job or other
source of income

* borrowers actually had to have proof of a savings
record, proof of income, proof of assets

* lenders had to actually think about how each debt
would be repaid, instead of just shovelling money out the
door

* lenders actually retained the credit risk and
retained the ownership of loans, instead of just selling them to
unsuspecting bond-holders on the other side of the world.

His banking and finance career included several senior executive
roles at major Australian and international banking and finance
groups, including running branch networks, lending operations,
product development, pricing and financial control. His formal
qualifications include a Bachelor and Masters in Law, a Bachelor of
Arts in Economic History and a Graduate Diploma in Applied Finance
and Investment. He has also lectured for the Securities Institute
of Australia. Since 'retiring' at 40, he has been a
director of several companies, including listed, private and
not-for-profit companies and a charitable foundation.

Ashley is the principal of Investing 101 Pty Ltd, a specialist
investment research firm that holds an Australian Financial
Services Licence. He is a sought-after speaker and commentator on
financial markets and has written two best-selling books on
finance: How to Give Your Kids $1 Million Each! and
$1 Million for Life.

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