10,001 Ways to Live Large on a Small Budget Review

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(More customer reviews)I was flipping through this book at Barnes yesterday while waiting for my girlfriend to finish buying a gift for her friend's birthday. The book is basically a bunch of individual lists and howtos -- how to buy wine, 23 common interview questions, etc. By the time my girlfriend was ready to go, I was still reading the article on how to shop for wine, so I brought the book home. Couldn't put it down the rest of the night! I read through the entire budget travel section since we're planning for a trip this summer. And the article on how to open a roth IRA is going to come in handy. I've been thinking about opening one for the last few months and I think I'm going to do it next week. This book is full of tips for a wide range of financial topics. I highly recommended for anyone looking to get more out of their money.

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The AARP Retirement Survival Guide: How to Make Smart Financial Decisions in Good Times and Bad Review

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(More customer reviews)I purchased this book because amazon.com alerted me to it and because it had all
5* customer reviews. After having read it I have mixed feelings about its usefulness :
On one hand, it provides a good overview of the financial planning process that needs to be followed to determine how much to save for retirement and how much to withdraw during retirement. It also provides a good overview of some of the retirement income products/annuities, and it has helpful checklists to select a financial adviser. Furthermore, I found the chapter on reverse mortgages a useful
introduction to a very complex subject, with several helpful web sites listed.
On the other hand, the book is not detailed enough to do a financial plan, i.e. establish an affordable expense budget in retirement that includes determination of the amounts that can be safely withdrawn from investments. There are better books available that include detailed worksheets to do this, such as J.K.Lasser's "Your Winning Retirement Plan", or "Getting Started In A Financially Secure Retirement" by Henry Hebeler (both of these books also refer the reader to useful
web sites for DYI financial analysis/modeling).
Part II ("Evaluating Retirement Income Products) provides a high level overview of annuities, enough to probably confuse/scare most readers to avoid these products altogether or to see a financial adviser (perhaps this is intentional).
Appendix D contains an interesting case study with a complete retirement plan; unfortunately it is presented without any explanatory comments accompanying the individual worksheets, thus leaves the reader with many questions as to the details/logic of the plan.
In summary, this book provides a good overview of the retirement planning process and does an excellent job cautioning readers about unscrupulous financial advisers, sales tactics and investment scams. It is, however, not detailed enough to be a "hands 0n" how-to-do-it guide with which people can do their own financial retirement plan.


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Bank bailouts. Ponzi schemes. Plunging financial markets. Given today's dire headlines, planning a secure retirement has become a more critical task than ever.Now, for Americans seeking safety and stability in a time of wrenching economic change, comes investment educator Julie Jason with this no-nonsense guide, which won the award for Best Personal Finance Book at the International Book Awards and was chosen as the top business book by Booklist. It offers time-tested, rock-solid retirement advice for people of every income level: in addition to showing those on the verge of retirement how to create their own "personal pension," Jason deftly guides prospective retirees through the otherwise bewildering process of evaluating their needs, anticipating future expenses (and managing current ones), and converting present assets into future retirement income. To achieve this goal, she assembles-and shares with the reader-an entire tool kit of self-assessments, tables, checklists, and essential questions.

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Building Your Ideal Private Practice: A Guide for Therapists and Other Healing Professionals Review

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(More customer reviews)The first 30 pages alone would have been enough to rank 10 stars! Just by reading this book I became optimistic about my practice and it began to fill. Each chapter gave me ideas I never thought of before. It helped me work smarter - with less effort, much more pleasure. By the time I finished this book I was trying to decide whether to raise my rates or start a waiting list, and I was seeing IDEAL clients, taking no HMO's, charging more than other psychiatrists in my area, and looking forward to going to work each day. This book blends business with integrity and taught me to value myself, my practice and my clients. I recommend it to ANYONE in the health care field. It made it so easy, and helped me to confront business aspects I hadn't been paying attention to. And she gives so may real life examples, it feels do-able. This book is worth a years' worth of high quality business consulting. I recommend it to any of my clients who have private practices from yoga instruction to massage therapists, and to all my friends in the psychotherapy field. I have never made so much money or felt so good about my practice in my life. She even makes talking to clients about money something I can now do in a way that feels both appropriate and respectful - to me and to them. What I have learned has already netted me literally thousands of dollars. I have never written a book review before, but I have to express my gratitude in some way, and this is my attempt to let others know that with the suggestions, tips and encouragement from this book, it is not only possible to make a living doing therapy, but to build an IDEAL practice without having to contract with any insurance companies. What a God-send of a book.

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Would you like to: Make more money in your private practice? Attract more idealclients? Generate a flow of qualityreferrals? Revitalize your existingpractice? Have increased confidence as abusiness owner?
In this book, psychotherapistand business coach Lynn Grodzki acts as yourpersonal business coach and shows you how tobuild an ideal private practice-one that isboth highly profitable and personallysatisfying.Today, being a talentedprofessional is not enough to ensure the success of your private practice; you also need to be anenthusiastic, talented businessperson.Grodzki's business strategies are effective and immediately useful for a wide range of privatepractitioners, including social workers,psychologists, psychiatrists, massagetherapists, energy healers, life coaches, andchiropractors.Whether you are just startingout as an independent practitioner or looking to revitalize an existing practice, Building YourIdeal Private Practice provides a foundation for business and personal growth that will lead youto a new level of personal and financialenrichment. Presenting innovative businessconcepts in a format specifically adapted forthe therapeutic profession, this book guidesprofessionals at all stages of theircareers.Bringing together years of experienceand the key elements from her Private PracticeSuccess Program with an easy and accessiblewriting style, Grodzki's book will help you not only build a successful practice outside managedcare, but also ensure that your businessreflects your true values and talents.

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Turbo-Mom's Guide to Saving Money Without Wasting Time Review

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(More customer reviews)The job of Mother is an ever increasingly busy one. "Turbo-Mom's Guide to Saving Money Without Wasting Time" is a guide for the time-stricken mothers who want to squeeze the most value into their day. Written in a simple and straight to the point fashion, "Turbo-Mom's Guide to Saving Money Without Wasting Time" gives readers tips to shave minutes off activities; soon they find that these minutes turn into hours and more. "Turbo-Mom's Guide to Saving Money Without Wasting Time" is a fine choice for the time and money cautious mother.


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LIVE CHEAP AND FREE Strategies to Thrive in Tough Economic Times Review

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(More customer reviews)I thought this book was great. It's simple tips and every day solutions to debt and financial concerns has helped me save money each month. I liked that the author not only shared her every day experiences in an easy to understand way, but promoted financial health and charity. I bought additional copies for my family and friends.
If you want some help getting on track financially, I suggest picking up this book right away.

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LIVE CHEAP AND FREE! Strategies to Thrive in Tough Economic Times provides guidance for consumers to make financial goals, track spending, maintain a budget, manage coupons, and build a collection of resources to find products that are cheap and free.

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A Return to Abundance, Book 2: Earning and spending money, self esteem, abundance and prosperity, coping skills and strategies: a money management self-help book for abundant life in troubled times Review

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(More customer reviews)When I first got the book I thought I'd read it straight thru without focusing on any of the exercises. I realized after the second chapter I was doing myself a dis-service by not completing the exercises as suggested. I started from the beginning and as I finished each chapter I did do the exercises. Although I just finished the book and am starting to adjust my mindset to what I've learned from the book-I realize I have had hidden feelings about money that may have sabotaged my finances. It will be interesting as I re-create budgets and spending habits if I can take what I've learned from the book and put them into my reality. I can see where if I take to heart what I've learned it will be very beneficial. Making it work will still be up to me-no matter how inspiring a book is it is still up to the person to make it work. Thank you Paul Gubany for the inspiration.

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Earning and spending money, self esteem, abundance and prosperity, coping skills and strategies: a money management self-help book for an abundant life in troubled times

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The Difference Wealth-Building Journal: Discover How You Can Prosper in Even the Toughest Times Review

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(More customer reviews)Building personal wealth can be learned - that's the premise of The Difference Wealth-Building Journal. This is a powerful "hands-on" journal/workbook that is geared toward showing you how to build the day-to-day successful habits of financial freedom.
I've learned that the best way to acquire knowledge in the shortest period of time is to follow those who have the wisdom and experience to save us time, energy and money. The Difference Wealth-Building Journal can do all that! This hands-on step-by-step journal can show us how to practically acquire financial freedom. Taken from the cover: "Realize your life goals - overcome setbacks - with powerful planning exercises."
This journal is the companion to the book The Difference: How To Prosper In Even The Toughest Times. I believe this journal is also a standalone book that can be used to support and even direct our financial successes. I recommend reading the book and using the journal together - although in reviewing the journal I found it could be helpful all by itself.
What caught my eye and held my attention were the statistics on the first page of the introduction:
3 percent of Americans are wealthy
27 percent are financially comfortable
54 percent live paycheck to paycheck
15 percent are the "further-in-debtors"
Here is a hands-on workbook that has the potential of taking you to the wealthy 3 percent strata of Americans if you're willing to read, learn, chart and apply the advice of Jean Chatzky. The author tells us, that through her research she has found the personality traits, habits and financial beliefs that separate the wealthy from those sinking further into debt.
This "journal" is a true journal - one you can date, write in and keep track of your "aha's" and financial progress. It's a spiral workbook so you can lay it out flat to write easily. Each chapter is designed to teach the success traits, habits and beliefs of the wealthy. It is up to you to make the decision to apply "The Difference" and change negative financial habits into more positive ones.
Each chapter is designed to lead into and work with each of the other chapters. It is the synergy of reading and working the chapters that can lead to the new financially empowered attributes. Here is a summary of the chapters:
Chapter 1 - "Attribute Focus: Saving"
How spending more than you make is as bad for you emotionally as it is financially.
Chapter 2 - "Attribute Focus: Investing"
Steps for bringing your investment plan to life.
Chapter 3 - "Attribute Focus: Drive"
Knowing what you want and plotting a course to achieve your goals.
Chapter 4 - "Attribute Focus: Hard Work"
How to make the most of money making hours and opportunities.
Chapter 5 - "Attribute Focus: Passion and Curiosity"
The importance of finding your "calling" in life.
Chapter 6 - "Attribute Focus: Connectedness"
Making the right connections to increase your wealth potential.
Chapter 7 - "Attribute Focus: Optimism"
Bottom line - optimists make more money.
Chapter 8 - Attribute Focus: Resilience"
Wealthy people triumph over setbacks.
Chapter 9 - Attribute Focus: Gratitude"
Saying thank you is a powerful financial success tool.
If you are a visual "hands-on" learner who enjoys the connection between reading, writing and applying what you're learning, then this workbook/journal is ideal for you. The Difference Wealth Building Journal can help you Discover How You Can Prosper in Even The Toughest Times by Jean Chatzky is a well written and well rounded guide to increasing your financial freedom. I highly recommend!


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During tough times, what's the difference between those who survive . . . and those who thrive?Through her groundbreaking research of the wealthy, trusted financial coach Jean Chatzky has identified the traits and habits of those who have moved from the lowest economic strata to the highest. The good news: These attributes, beliefs, and behaviors are all things you can learn. The Difference Wealth Building Journal is designed to help you take a close look at where you are now and provides a series of exercises to get you where you want to go. As you complete this journal, you will:•Take control of your spending (and find the cash to fund your dreams)•Overcome typical investment anxiety with a simple step-by-step plan•Break down long-term financial goals into manageable pieces•Evaluate your sense of optimism, resilience, and connection to others (and learn how these personality traits lead to wealth)•Discover that feeling grateful is the fastest way to feel richAs you'll see, the difference is within you: You have the power to determine your financial future and make strides toward the next level of wealth.

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Chapter 13 Bankruptcy: Keep Your Property & Repay Debts Over Time Review

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(More customer reviews)Chapter 13 Bankruptcy: Keep Your Property & Repay Debts Over Time
I needed to file Chapter 13 to pay off approximately $7000 in delinquent taxes that could not be discharged in a Chapter 7. I contacted several local Chapter 13 attorneys in the San Diego area for free consultations. Each one wanted to charge at least $3500.00 to represent me and wanted between $1000.00 to $1500.00 to be paid prior to them filing the bankruptcy paperwork with the court. If I had that kind of money, I would have been trying to work out something with the IRS.
I bought this book and read it cover to cover several times. When I knew I was ready, I completed the forms required to file in my district, California Southern District. My expense was $274.00 in cash for the filing fees. I filed on 4/17/09 and had my 341(a) hearing on 5/22/09. The court schedules a hearing at the same time for many people.
During the hearing, I was getting nervous as several people that were represented by attorneys were called in front of the Chapter 13 Trustee ahead of me and were either having their hearings continued to a new date or having a Confirmation hearing scheduled due to discrepancies in their filed paperwork (this was paperwork prepared and filed by their attorneys!!!). In the California Southern District, a 341(a)hearing is rescheduled or a Confirmation hearing is scheduled if the Chapter 13 Trustee thinks there is a presumption of abuse of the bankruptcy laws, objects to the plan or a creditor has an objection to the plan.
When I was called up, I only had to answer a few basic questions (name, address, what do you do you do for a living, how much are you paid, is that hourly, weekly, monthly and how many hours per day, week or month do you work) and provide copies of my IRS tax returns for 4 years (2005, 2006, 2007 and 2008)to verify that I have had stable income. The Chapter 13 Trustee stated he did not find a presumption of abuse, recommended that my plan be confirmed and is submitting the Request for Plan Confirmation to the Chapter 13 bankruptcy judge for sign-off. It took less than 10 minutes.
I could not have done it without the invaluable assistance of this book.

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Reduce your debts, save your property -- and start over!Are you behind on your mortgage, taxes or other bills? Are creditors threatening foreclosure or repossession? This book will show you how to save your house, car and other assets with Chapter 13 Bankruptcy. It lets you cancel your debts and pay off the rest with an affordable repayment plan.And now you can avoid attorney fees and do it yourself -- let Chapter 13 Bankruptcyyou how to:
determine if you qualify for Chapter 13
stop a house foreclosure
estimate monthly payments
devise an acceptable repayment plan
complete and file forms
make up missed mortgage payments
pay off other debts
represent yourself before a bankruptcy judge or trusteeThe 9th edition is completely rewritten to reflect the recent (and massive) changes to federal bankruptcy law, as well as the latest bankruptcy exemption laws of your state. It also includes the most current legal documents and instructions on filling them out.Whether you work with a lawyer or file on your own, you'll find everything you need to take charge of your debts in Chapter 13 Bankruptcy.Please note: This book does not cover business bankruptcies, farm reorganizations or individual repayment plans (Chapter 13). For Chapter 7 Bankruptcy, see Nolo's How to File for Chapter 7 Bankruptcy.State and Federal Exemption ChartsDoublingResidency Requirements for Claiming State ExemptionsExemptions for Retirement AccountsIndividual State and Federal ChartsTear-Out FormsVoluntary PetitionExhibit C to Voluntary PetitionExhibit D to Voluntary PetitionSchedule A -- Real PropertySchedule B --Personal Property Schedule C -- Property Claimed as ExemptSchedule D -- Creditors Holding Secured ClaimsSchedule E -- Creditors Holding Unsecured Priority ClaimsSchedule F -- Creditors Holding Unsecured Nonpriority ClaimsSchedule G -- Executory Contracts and Unexpired LeasesSchedule H -- CodebtorsSchedule I -- Current Income of Individual Debtor(s) Schedule J -- Current Expenditures of Individual Debtor(s) Declaration Concerning Debtor's SchedulesSummary of Schedules and Statistical Summary of Certain Liabilities and Related DataForm 3A -- Application and Order to Pay Filing Fee in InstallmentsForm 7 -- Statement of Financial AffairsForm 10 -- Proof of ClaimForm 20A -- Notice of Motion or ObjectionForm 21 -- Statement of Social Security Number(s)Form 22A -- Statement of Current Monthly Income and Means-Test CalculationForm 22C -- ChaStatement of Current Monthly Income and Calculation of Commitment Period and Disposable IncomeForm 23 -- Debtor's Certification of Completion of Postpetition Instructional Course Concerning Personal Financial ManagementForm 201 -- Notice to Individual Consumer Debtor Under § 342(b) of the Bankruptcy CodeAmendment Cover SheetDaily ExpensesNotice of Plan Amendment and Confirmation Hearing DateProof of Service by MailChapter 13 Repayment PlanAppendix C: Charts

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Suze Orman's Action Plan: New Rules for New Times Review

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(More customer reviews)Suze Orman has always offered exceptionally sound financial advice based on personal accountability and moderation. The New Rules for New Times stays true to this message by providing an abundance of strategies for a large assortment of potential financial issues.
The format of the book is very straight forward, containing descriptions of financial situations followed by immediate action plans. This approach permits one to immediately focus on those areas that are most personally relevant. Suze also includes a chapter on introducing finance to children that any parent should be aware of. If this book is your only introduction to Suze Orman, you will be served well.
I have always considered Suze's advice indispensible and a representation of the best from the financial community; however, I question the need for this book on the basis that her message has been made clear in past books. I read this book earnestly looking for something new and discovered only a rehashing of the same message she has always given; leaving me wondering if her desire to sell another book trumped her ability to produce new content.
The book begins with the statement that "the financial hurricane has passed", leading with the notion that we now need new rules. Yet have Suze's rules not always been sound? Does Suze believe her rules regarding accountability, moderation, and respect for risk, rules that have been the cornerstone of her financial advice for years, suddenly now requires upgrading? The realty is her advice is as sound today as it was ten years ago, yet the implication is that we now need a new book with new rules.
Orman's look back on recent events and financial turmoil has supposedly given her a new outlook; yet what does this say of her foresight? If Suze can be certain that the worst of the financial turmoil is behind us now, why was she completely blindsided like nearly all of us when the market turned just two years ago? If she was unable to anticipate the dangers then, why would we have confidence in her assertion that there is smoother sailing ahead?

The reality is Suze's message doesn't need updating and she doesn't need to offer anything new, she simply needs to remind people of why her guidance is sound. Perhaps this approach might not sell as many books but it is a message that is better suited to serve readers than just reprinting the same general material with a different cover year after year.

I really believe Suze Orman and her financial guidance is a huge benefit to society, but this book is just not worthwhile. The reality is Suze Orman deserves glowing reviews for her work in financial community, but I would avoid this book and seek out one of Orman's core books such as the Suze Orman Financial Guidebook.


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The Millionaire's Secret: A Handbook For Building Wealth In Tough Times Review

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(More customer reviews)Ron Taylor describes in concise detail how to save, invest, and create wealth in tough times. His ideas are practical and worth considering.
About the Author: Ron Taylor is a wealth building and home business consultant. He specializes in teaching entrepreneurs how to create passive sources of income using free Internet resources to market their products and opportunities. His automated marketing strategies typically include using tools such as article marketing, blogging, and social networking, among others. Ron's ideas on Internet marketing and wealth building have helped hundreds of people make money from home using online automated marketing strategies.


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Missed Fortune: Dispel the Money Myth-Conceptions--Isn't It Time You Became Wealthy? Review

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(More customer reviews)I came upon an ad by the author, Mr. Andrews in the Sunday Los Angeles Times today - 5/22/05. It mentioned his book as well as a lot of claims to max ones wealth. So, I thought to do a bit of a google search on him and the title of his book. I did finally find a review by a Certified Financial Planner on the Seattle times website: http://seattletimes.nwsource.com/html/businesstechnology/2002192636_qa_retirementhotline.html
I thought it wise to share this with anyone intersted and feel that most who read the following may want to hold back on buying his book.
Equity Indexed Life Insurance-I have been approached by several insurance agents regarding using equity indexed annuities to creat an arbitrage using home equity. They are basing their approach on a recent book written by Douglas Andrew-Missed Fortune and Missed Fortune 101- suggesting interest only mortgages and investing the equity in S & P 500 indexed annuities. Invest the max amount allowable under law with the least amount of insurance required, etc. What are your thoughts on this strategy? Have you read or heard about this book and the author? - Cary, N.C.
FP: I just finished reading the book "Missed Fortune". The concept is interesting and may make sense in a very few specific cases, I would be wary of its general applicability. The book fails to adequately address the risks inherent in the strategy.
The first part of the strategy I would be concerned with is the notion that you can structure interest only loans to last a long time. Interest only loans typically have an interest only period of 10 years or less.
The most "attractive" interest rates are associated with adjustable rate mortgages. Most of these have fixed rate periods of 3, 5 or 7 years. So, for the strategy to work as advertised, you will need to refinance (or sell and purchase another home)as often as every 7 years or less. And then you will have to hope that (a) you will qualify for new financing and (b) that today's low rates are available.
The strategy presented in the book assumes that your home interest is fully tax deductable. The analysis does not account for the fact that most people actually only receive a partial deduction since their itemized deductions aside from the home mortgage interest add up to substantially less than the standard deduction (which is scheduled to rise over time).
And finally, the strategy assumes that you will earn a relatively high rate of return on the equity index life insurance cash value. Every projection the book makes has an unreasonably high rate of interest projected for a long time into the future. The strategy prospects for success are highly sensitive to the rate that you acutally receive.
If the insurance policy return is as little as .5 - 1% less on average, the strategy has real problems. And the problems can be huge.
If you are drawing "tax free" income out of an insurance policy through a series of policy loans as shown in the book, the policy surrender value drops steadily. When the policy surrender value drops to zero, which it could quickly if interest rates are less than hoped for, the policy lapses and all the interest that has been credited on a tax deferred basis suddenly becomes taxable income.
The author's answer to this problem is to suggest that the IRS is unlikely to go after a 90 year old for that kind of tax. You wouldn't want to test that theory.
The bottom line is that there is no free lunch. The equity index insurance products ability to credit interest to the cash value is essentially the same as any fixed insurance product. The fact that the interest credit is "linked" to the S&P 500 index is very different from actual market participation. It's just a calculation that happens to use some aspects of the S&P 500 index performance in the formula.
While the products do provide protection against market losses, that protection comes at a price. The price is that they will not and cannot produce long term returns similar to market returns.
For people in the highest tax brackets who are not going to depend on the insurance policy performance to provide retirement income and who will save enough in income taxes to offset the inherent costs in the strategy, there may be a place for this strategy. Aside from this narrow group of people, trhe strategy is almost certainly inappropriate.
People should recognize that this is a very complex strategy with many pitfalls that are not well presented or analyzed in the book. Be very careful!

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In Good Times and Bad: Strengthening Your Relationship When the Going Gets Tough and the Money Gets Tight (Wiley) Review

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(More customer reviews)First I would like to say that I am a therapist and one of the # 1 reasons for divorce are money problems. This transcends all income levels. I loved how this book was really descriptive about how people's attitude about money affect their perception of how whether their partner is messing up with money. For example for some money means security or power or love etc. It really addresses the issue from a psychodynamic approach. If you buy one book, make it this one.

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Organize Your Personal Finances In No Time Review

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(More customer reviews)If you need to simplify how you handle your finances and paperwork, this is
the book for you.
Even if you are organized in this area, this book will motivate you to
simplify even more. It did for me.
As a Professional Organizer, one of the biggest downfalls I see to any money
management system is making it overcomplicated--e.g., waiting to organize
your finances because first you need to learn the computer program you plan
to use.
Next, is the indecision most people face when they are trying to get
organized. This is commonly seen in how to name files and how to store files
(covered simply in the book!).
Stanley provides practical, to the point direction in how to decide what is
just right for you, so that your systems will actually support you and not
work against you by being overcomplicated.
This book takes you through the decision making processes involved in
setting up the systems you'll need.
This is the first book on organizing finances that I have seen that is as
interested in you the person, as a seasoned Professional Organizer would be.
She makes it so easy to decide what you need to do next, based on you. It
was as close to having a live Professional Organizer there with me while I
was reading.
Be sure to check out the cool icons that guide you to quick tips and hints,
such as "Clever Client" and "Organized Enough" (hooray that an organizing
book is finally addressing the concept of not over-organizing).

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Drowning in a pile of bills, receipts and bank statements and don't know how to swim to the top? Organize Your Personal Finances In No Time will be your lifesaver. Written by a professional organizer and coach for the chronically disorganized, this do-it-yourself guide will show you how to create a fool-proof, easy-to-maintain financial system in a single day. Written in a unique step-by-step, to-do list approach, you will master skills such as tracking income and expenses, bill paying, creating a file system and shopping with efficiency. Then, learn to take all of your new skills and apply them to creating a savings plan, a budget and graphs to illustrate spending habits and debt details. When it comes to your finances, if the choice becomes sink or swim, let Organize Your Personal Finances In No Time help you swim.

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The Millionaire in You: Ten Things You Need to Do Now to Have Money and Time to Enjoy It Review

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(More customer reviews)At a time when the public is constantly getting slammed by hyped-up claims of how to become one-minute millionaires, it's refreshing to read a wise book like this.
I was a fan of Michael LeBoeuf's years ago when he wrote "The Greatest Management Principle in the World" which correctly stated that "what gets rewarded gets done." Since then a recently hyped book claims that "what is fun gets done" and we all are skeptical of that one, aren't we?
In this book, LeBoeuf writes a clear, enjoyable, and fundamentally-sound financial guide to wealth and happiness. His background in management, finance, and time-management gives him the mature credibility that we all need for such important life-decisions. Here is a man who is a financial-businessman first and an author second unlike so many others today.
I have a feeling that this book will not become a huge best-seller because of its somewhat understated manner. But that should not take away from its incredible long-term value and excellent writing.
I think this is a 6 star book in a field where best-sellers are really 3 star books. Buy this for yourself and anyone else you really care about. (Especially those who have plenty of money and little time to enjoy it.)
This book is a true financial treasure!

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Wouldn't it be great to have the financial freedom to do whatever you want? Wouldn't it be better if you could also have the time to do it?Most of us would answer a resounding yes to those questions. For many people, the goal of making money is not the accumulation of wealth for wealth's sake; instead, the goal is to have enough money to do the things we're passionate about. Butvery few people have a lot of money and the time to enjoy it.Michael LeBoeuf knows how to obtain both—and he wants to teach you. LeBoeuf shows that there are only four things people need to know about money: how to make it, how to save it, how to invest it, and how to enjoy it. But most people never figure out how to do all four, although almost anyone can. The key to doing so lies in applying a simple principle called LeBoeuf's Law: Invest your time actively and your money passively. Based on LeBoeuf's Law, The Millionaire in You offers ten strategic choices designed to maximize your time and money: * Live the life you want instead of the life others expect.* Stack the odds in your favor instead of against you.* Be a supersaver instead of a big spender.* Increase the market value of your time instead of working long hours.* Do less better instead of trying to do it all.* Capitalize on the unexpected instead of being derailed by it.* Own the market instead of trying to beat the market.* Limit your losses instead of letting bad luck ruin you.* Listen to those who know instead of those who sell.* Do it now instead of regretting it later.LeBoeuf is living proof that this strategy can work. He is a former business professor who retired in 1989 at the age of forty-seven and is living off of his accumulated wealth. He didn't inherit a dime, and he didn't get serious about achieving financial freedom until he was thirty-five. This book is intended to help you do what he's done before you're too old to enjoy the money you've earned or invested.

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Life Matters: Creating a dynamic balance of work, family, time, & money Review

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New books telling you how to improve your life come off the presses every week, maybe every day. Some are bad, and you realize you have wasted your time. Some are average, and you might learn a few new things, but they aren't all that memorable. Some are great, and you go back to them again and again. "Seven Habits of Highly Effective People" is one of the great books. Years later people remember it, talk about it, and reread it.
"Life Matters" is a great book. It covers a lot of good ideas, the thoughts and observations are well presented, and the book reads quickly.
The first chapter starts off talking about what is important in life. The authors focus on four areas: work, family, time, and money. They have a quiz to help in your self-assessment of how you are doing in each of these four areas. A big message of this book is there doesn't have to be conflict between the four areas.
The next chapter covers three things you have to do in any area of your life. The three "gotta do's" are:
1) Validate your expectations. You have to confront reality, for if you have an unrealistic expectation you will be frustrated. The authors make the point that the direction you are heading is more important than how fast you are going.
2) Optimize Effort. Look for ways to get the maximum benefit for your effort, and make sure your decisions are aligned with your goals.
3) Develop your "Navigational" intelligence. This is the ability to be aware of your changing environment, so that what looked like an important task at the start of the day may have to take a back seat when your boss gives you a new assignment, or a child needs attention.
The next four chapters are on: work, family, time, and money, with a chapter on each area. The authors weave each of the above three "gotta do's" into each area. For each area they explore different ways people see the area, for example how do you see your family, or your money. And then they discuss what is the reality. They have a list of "optimizers" which are techniques for getting the maximum benefit for your effort. And they talk about how to be flexible when situations change.
"Seven Habits" mentions a Time Matrix, which is a two dimensional matrix based on how important something is, and how urgent it is. Many people waste time on things that aren't important, or get caught up doing things that are important and urgent. Stephen Covey explores why doing things that aren't urgent, but important, can make a great difference in your life. For me one of the gems of "Life Matters" was exploring this same matrix in relation to money. The Merrill's point is that it is best to invest your money with the same Quadrant II focus, things that aren't urgent, but are important. For me, that idea alone was worth reading the book. There were a number of similar gems scattered through the book.
The last chapter was titled "Wisdom Matters" and here the authors explore why wisdom is important, and how to improve your wisdom. One of the points they strongly make is to develop an ongoing daily self-important program. The idea is to spend a few minutes each day improving your understanding of life, and how to make better decisions.
This is a great book. If you are interested in improving your life, buy this book, read this book, and then reread it. It will help you get better control of your life. For as the Merrills say, life does matter.

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