A Return to Abundance, Book 3: Money management, personal finance education, budgeting, financial planning, time value of money principles, cash flow principles, budget worksheets: a self-help book Review

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(More customer reviews)After reading the three volumes of A RETURN TO ABUNDANCE, I now have meaningful and enjoyable conversations about money and finance with my teenage children. Other financial books I've read didn't jumpstart money conversations with friends and family. Here are three reasons I think A RETURN TO ABUNDANCE succeeds.
1. Money unconsidered is an unconscious demon, we react out of our long-standing patterns, rather than acting based on conscious choices. Author Paul Gubany's brilliant use of everything from the history of money, to psychology, to Greek Mythology helps uncover a person's individual money patterns. (Volume One and Two) Once you know the patterns, you have choices - and life patterns are always fun to talk about.
2. If you don't decide what's ENOUGH, you'll never have ENOUGH. Gubany helps us figure out what our own Abundance is, and he shows us the satisfaction and simplicity of living with a personal definition of Abundance. (Volume Two) If you don't know what's ENOUGH, you'll never ever have enough money. Gubany's process gave me a sense of peace and well-being about money that I've never felt before - I'm freer now from the money demon than I was before I read A RETURN TO ABUNDANCE, freer than anytime I can remember!
3. A RETURN TO ABUNDANCE, along with its engaging presentations about the nature of money and the human psyche, also includes the technical aspects of understanding the time value of money. (Volume Three) No problem for my kids to understand this third volume of A RETURN TO ABUNDANCE, and, barring the collapse of our world order, they see how they can realistically and easily accumulate a millionaire retirement during their working years. These are nice conversations to have during dinner.
My advice - stop reading the reviews - start reading A RETURN TO ABUNDANCE. I wish Paul Gubany a wide readership, his book is a work of love, a work of art, a benefit to anyone who will open its covers.
Lars Clausen'
Award Winning Author '
One Wheel - Many Spokes


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Money management, personal finance education, budgeting, financial planning, time value of money fundamentals, cash flow principles, budget worksheets: a self-help book in full color

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Profit by Investing in Real Estate Tax Liens: Earn Safe, Secured, and Fixed Returns Every Time Review

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(More customer reviews)This book gives a great description of the procedural nuts and bolts of purchasing tax certificates, with a lot of emphasis on my own home state of Florida. Unfortunately I learned this week from attending a local auction that it is extremely difficult for the average investor to compete with the institutions in actually purchasing certificates, much less in obtaining anything greater than the absolute minimum available rate of return.
After reading this book, I attended the first day of my own county's auction with high hopes. Unfortunately I found that there were approximately 125 or so other persons attending it. In our State the maximum rate of interest is 18% and bids can go all the way down to 0.25%, with the statute providing that when redeemed, the purchaser is still paid at the rate of 5%. At our auction whenever a certificate was offered, at least half of the people present would immediately raise their buyer cards and shout out their willingness to accept the absolute minimum rate of 0.25%. Frankly I did not know how the auctioneer could legitimately determine which of the 50 or so people had actually bid first, but I did see that many of the certificates seemed to have been awarded to those sitting in the seats closest to the auctioneer.
After returning home in total disgust, I decided to review the day's results online. I discovered that in only the first hour, approximately 100 different buyers had been awarded certificates. One might assume that there had been a fair distribution of the available certificates among everyone who had been present. However, when reviewing the mailing addresses of these 100 different buyers, I discovered that about 70 of them shared only six or seven different mailing addresses. Each of the entities sharing those six or seven addresses had sent up to 15 individuals to bid on their behalf. You do the math and you can see that one lone individual has very little chance of even getting a certificate under such a scenario, not to mention ever getting a higher rate of return than the bare minimum. The proceeding that I attended hardly justified being called an "auction" and it certainly didn't seem fair.

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An investment alternative that gives fixed returns of 10 to 25 percent. Profit by Investing in Real Estate Tax Liens introduces an investment alternative that is safe, secured by real estate, administered by the government, involves no brokers, is enforced by state law, and gives fixed returns. Selling tax liens or tax deeds (depending on the state) are the two ways that counties across the country bring delinquent property taxes up-to-date.This investment is one of the least publicized and safest ways of investing in real estate, designed to give the investor either a fixed return, as in the case of investing in tax liens, or a property for 10 to 50 cents on the dollar, as in the case of a tax deed sale.In most situations, the property is ultimately transferred free of any liens, such as mortgages. Profit by Investing in Real Estate Tax Liens also debunks the common myth that tax delinquent properties are run-down and shows that liens exist on every type of property.Author Larry Loftis, an attorney and active investor, has purchased liens on properties owned by Julius "Dr. J" Erving, Hector "Macho" Camacho (world champion boxer), Chase Manhattan Bank, LaSalle National Bank, and even a building whose major tenant was the local sheriff's department! In this authoritative guide, Loftis helps investors avoid the pitfalls while answering all the key questions they need to consider: * What's the difference between investing in tax liensand tax deeds? * How does an investor go about bidding at tax sales? And what is the process? * What are the different requirements in each state? * Where are the greatest risks in this kind of realestate investing? For investors eager to get started, Loftis's action plan provides details on the next steps to take, while real-life examples in every chapter bring the concepts down to earth.

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First-time Home Buying in a Nutshell Review

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(More customer reviews)I have run first-time homebuyer programs for over 20 years, and am amazed at how this little gem of a book is so complete,yet can be read in one brief setting. It empowers the buyer with the basic concepts and lingo of the housing industry and equips the buyer to tackle one of the most important decisions they will ever make. An informed buyer is a smart and successful one; First-time Home Buying In a Nutshell takes the work out of the buyer's attempt to reach that goal.

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A primer and reference book for first-time home buyers.Find out about down payment assistance programs and how the purchase, loan, and escrow processes work.Concise and easy to understand.

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