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$14.93 $12.25 list($21.95)
1. Nice Girls Don't Get Rich : 75
$16.50 list($25.00)
2. Start Late, Finish Rich : A No-Fail
$10.17 $8.45 list($14.95)
3. Clark Smart Parents, Clark Smart
$13.57 list($19.95)
4. Suze Orman's Will And Trust Kit:
$16.29 list($23.95)
5. Missed Fortune 101 : A Starter
$34.65 $32.24 list($55.00)
6. Asset Protection : Concepts and
$12.23 $9.59 list($17.99)
7. The Total Money Makeover Workbook
$13.96 $5.45 list($19.95)
8. The Automatic Millionaire : A
$16.49 $15.89 list($24.98)
9. Rich Dad Poor Dad : Whatthe Rich
$16.49 $11.25 list($24.99)
10. The Total Money Makeover: A Proven
$27.95 $6.00
11. Conquer the Crash: You Can Survive
$19.77 $16.42 list($29.95)
12. The Intelligent Asset Allocator:
$12.56 $10.16 list($17.95)
13. Cashflow Quadrant: Rich Dad's
$10.50 $4.89 list($15.00)
14. Your Money or Your Life: Transforming
$10.50 $6.75 list($14.00)
15. I'm Rich Beyond My Wildest Dreams--I
$19.11 $11.78 list($28.95)
16. Millionaire Women Next Door: The
$34.65 $30.35 list($55.00)
17. Asset Allocation: Balancing Financial
$17.13 $16.46 list($25.95)
18. The Soul of Money: Transforming
$19.95 $13.16
19. Fast Cash: How I Made a Fortune
$123.12 $49.85
20. Foundations of Financial Management,

1. Nice Girls Don't Get Rich : 75 Avoidable Mistakes Women Make with Money
by Lois P. Frankel
list price: $21.95
our price: $14.93
(price subject to change: see help)
Asin: 044657709X
Catlog: Book (2005-05-10)
Publisher: Warner Business Books
Sales Rank: 1750
Average Customer Review: 5.0 out of 5 stars
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Book Description

After her terrific success revealing the mistakes women make that sabotage their careers, Dr. Lois P. Frankel is back to reveal the 75 mistakes women make that prevent them from achieving financial success. From executive to entry level, single to married, every woman needs to know the subconscious behavior that prevents her from developing a healthy and successful relationship with money--from depending on men for financial advice or support to a reluctance for negotiating. Frankel offers help in recognizing these self- defeating behaviors--as well as financial and investment advice and tips to help women claim wealth and riches. ... Read more

Reviews (9)

5-0 out of 5 stars A Must Read!
This book is excellent and offers many tips on how to save and stop spending your money.In one day I have implemented 5 of her suggestions and all ready I feel better about my self and saving money.A book that all women need to read, and also the high school and college girls.
Definately a must read!!!

5-0 out of 5 stars Nice Girls Don't Get Rich: 75 Avoidable Mistakes Women Make
Regardless of your age or economic situation this book has something of value for everyone.Dr. Frankel is practical, to the point, and her suggestions for financial freedom are easy to implement. This is the perfect gift to send your newly graduating daughters out into the world as well as your women friends that may need some help.

5-0 out of 5 stars Buying this book is a great investment for your future!
This is a must read for any "girl" - teenager to senior citizen.Dr. Frankel offers straight forward strategies and advice on how to play the game of getting rich. The book is like a great buffet where you can pick and chose any chapter and feel well nourished.She gives you coaching tips that assure your financial and personal growth. The book is rich in priceless words of wisdom!

4-0 out of 5 stars Everyone can get richer!
The title really could be amended to, "Seventy-five mistakes that can benefit just about anyone."

Nearly everyone has made at least one of these mistakes (okay, maybe Donald Trump never did).But I think Frankel offers more than a collection of mistakes and "if onlys." She's got some good ideas you won't find everywhere.

My favorites:

Brainstorm with big picture thinkers -- and then get advice from the nitpickers.

Get out of your safety zone (no guts, no glory).

Listen to your intuition.

Just these three could save you the price of the book -- and there are many, many more.

5-0 out of 5 stars Another winner!
Once again, Dr. Frankel points out the mistakes made by "too-nice" women that limits their wealth and self-esteem, and offers common-sense solutions to help them break out of the old routines and assert and protect themselves. The advice is specific, with examples, and addresses every case scenario. Good, solid advice your mother never told you (or even knew!). ... Read more


2. Start Late, Finish Rich : A No-Fail Plan for Achieving Financial Freedom at Any Age
by DAVID BACH
list price: $25.00
our price: $16.50
(price subject to change: see help)
Asin: 0767919467
Catlog: Book (2005-01-04)
Publisher: Broadway
Sales Rank: 16880
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3. Clark Smart Parents, Clark Smart Kids : Teaching Kids of Every Age the Value of Money
by Mark Meltzer, Clark Howard
list price: $14.95
our price: $10.17
(price subject to change: see help)
Asin: 0786887796
Catlog: Book (2005-05-11)
Publisher: Hyperion
Sales Rank: 3510
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Book Description

Winning financial wisdom aimed at teaching kids real-world money skills.

From the bestselling author of Get Clark Smart comes this valuable new resource enabling parents to pass "Clark Smart" skills for saving and spending wisely on to kids of every age.

Clark Howard -- bestselling author, money-saving expert, and host of the popular syndicated radio program The Clark Howard Show -- is back with more of his winning financial wisdom, this time aimed at helping parents teach kids real-world financial skills for today and every day. Parents of children of all ages -- from elementary school through high school, college, and beyond -- will benefit from Clark's sound, uncomplicated advice across a comprehensive range of topics. In Clark Smart Parents, Clark Smart Kids, he addresses everything from allowances -- when and how much to give -- to teaching teens about credit cards and navigating the purchase of a first car -- how to get it, pay for it, and insure it -- to saving for college, paying off loans, staying out of debt, and much more!

A hands-on workbook section that parents and kids can use together will help assess personal spending and saving styles as well as show ways to improve them. It's all here in this must-have resource for parents. ... Read more


4. Suze Orman's Will And Trust Kit: Ultimate Protection Portfolio
by Suze Orman
list price: $19.95
our price: $13.57
(price subject to change: see help)
Asin: 1401905676
Catlog: Book (2005-01-01)
Publisher: Hay House
Sales Rank: 47717
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Book Description

This is an easy-to-use and fast way for you and other members of your household to create your own will, living revocable trust, and all the other must-have documents you need to protect you and your family. It’s as easy as 1-2-3—simply personalize, print, and protect.

Suze Orman and her own estate trust attorney have created the most state-of-the-art documents found anywhere. There are more than $2,500 worth of estate documents in this kit. Why pay thousands of dollars when you can get the same documents in this kit!

This kit includes:

• More than 50 state-of-the-art documents
• Free automatic on-line updates
• Verbal and written instructions taking you step by step through the four must-have documents
• Password protection securing multiple users’ information
• A tutorial that shows you everything you need to know
• 10 electronic books

PC and Macintosh Compatible . . . and good in all 50 states! ... Read more


5. Missed Fortune 101 : A Starter Kit to Becoming a Millionaire
by Douglas R. Andrew
list price: $23.95
our price: $16.29
(price subject to change: see help)
Asin: 0446576573
Catlog: Book (2005-01-03)
Publisher: Warner Business Books
Sales Rank: 24433
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6. Asset Protection : Concepts and Strategies for Protecting Your Wealth
by JayAdkisson, ChrisRiser, Jay Adkisson, Chris Riser
list price: $55.00
our price: $34.65
(price subject to change: see help)
Asin: 0071432167
Catlog: Book (2004-06-01)
Publisher: McGraw-Hill
Sales Rank: 22907
Average Customer Review: 4.8 out of 5 stars
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Book Description

Strategies that are effective and legal for putting one’s assets safely out of reach

In today’s increasingly litigious world, the shielding of assets has become a prominent issue for financial planners, business owners, and high-net-worth individuals. Asset Protection details methods that are both legally and morally legitimate for protecting one’s assets from creditors, lawsuits, and scams.

Bringing economic common sense and legitimacy to an area that is drowning in gimmickry, two of today’s top lawyers examine the fundamental issues in this growing area, avoiding dense legalese to make the book accessible to anyone. Asset Protection covers everything readers want to know about:

  • Establishing an effective asset protection program
  • Today’s most popular, established strategies
  • Newer strategies that are still being resolved by the courts
... Read more

Reviews (5)

5-0 out of 5 stars Like a good bottle of wine
Reading this book is like finally getting a good bottle of aged wine after drinking years of fruit punch. From the descriptions of the seedy offshore planners who sell Cook Islands trusts to people whether they need it or not, to the domestic seminar promoters who line up shills to encourage attendees to buy cheapie family limited partnership kits, this book gives a candid look into how asset protection is sometimes shamelessly promoted. Having revealed the dirt under the rug, the book then goes on to address asset protection as a field of risk management and gives the best treatment of fraudulent transfer and bankruptcy preference rules that I have ever read. Just about all the popular asset protection strategies are reviewed, from Nevada bearer share entities to complex litigation expense policies, with the major strengths and weaknesses of each pointed out. The book spends quite a bit of time discussing both foreign and domestic asset protection trusts and their potential flaws (if I were a creditor attempting to penetrate such a structure, this would be the first resource that I would turn to), such that it is a wonderment that those structures are even used at all. Overall, the writing style is good, with just enough technical background on key points to let serious researchers know where to start, without it being overwhelming for the average business reader. Kudos to Jay and Chris. This book is well-researched and provides a level of thoughtfulness and depth of content that has been sadly absent from all the other books considering the topic of asset protection. Big thumbs up!

4-0 out of 5 stars Layperson Perspective
Pretty good book. The book counters a lot of hype by promoters of "bulletproof" asset protection plans, which do not exist apparently. All plans can fail no matter how elegant.
Moderately complex for a layman to read. Some material over the head of most laypersons. Most material practical. Some abstract theory of not much interest to clients.

5-0 out of 5 stars The only asset protection book you need
I am an attorney and real estate investor and am concerned about asset protection issues. This is the only book I've read that discusses both the plusses and minuses of various known techniques and also gives excellent big picture advice. Every other book has advocated specific cookie cutter techniques and left me wondering "would this really work if...?" This book tells you why those techniques do not work. Forget about that trust in the Cook Islands, by the way, unless you are willing to flee the country.

5-0 out of 5 stars Refreshing and funny in places
Just finished it. This was a very well-written book, although it is hard to figure out who the intended audience is. It doesn't seem like they are writing to potential clients, since much of the subject matter is complex, but it is written somewhat like a novel, with occasional anecdotes, so more than just other planners would get something meaningful out of it. The writing style reminds me a lot of the Burton Malkiel classic "A Random Walk Down Wall Street" where there is a mixture of technical theory heavily laced with enlightening storytelling. It definitely has the flavor of professional editing by McGraw-Hill's staff and is obviously not a self-published work. Anyhow, whether you are looking for asset protection solutions or not, the book is quite entertaining and gives an often unflattering view of how asset protection is marketed, such as seminar promoters hiring shills to sit in the audience and act like they are participants to encourage others in the audience to buy kits. A good fifth of the book seems to be an expose of offshore trusts - you certainly won't read this book and rush out to start your own offshore trust after reading about how some people who set them up have gone to jail. The section on equity stripping is very good, as is the section on offshore limited liability companies. This book has ample diagrams to help explain complicated strategies, but the part on advanced methodologies whetted my appetite to learn more and I wish that several additional chapters had been devoted to these topics. It is refreshing to finally see a book whose treatment of asset protection goes beyond "just hire me to hide your money overseas" as so many of the books heretofore have done.

5-0 out of 5 stars Very solid
This is a very different book about asset protection. It is factual and technical and seems to be written more as a guide to professionals to implement asset protection plans than to the general public, making it the first of its kind. This book does not talk about litigation crises or how the average American is likely to be sued. It does not dwell on the offshore islands where people hide money, and it does not give hints about hiding money or tax evasion. What it does do is give a very good overview of assets protection as it relates to complex legal planning. It talks in great detail about the fraudulent transfer laws and the bankruptcy laws. It talks about how to maximize the benefits of mostly domestic structures, strengthened only as necessary by offshore planning. There is a discussion of captive insurance companies and offshore life insurance, but it is toward the end and does not dominate the book. I think that the best parts of the book were giving an inside glimpse into the asset protection planning world, and showing how the mostly highly marketed structures suffer from serious defects. This is definitely a wake-up call for those who are serious about asset protection, and do not want to fall under the spell of some marketer who sounds good but doesn't really know what they are talking about. We could certainly use a few more books about asset protection like this one, and less of the self-promotional offshore type. ... Read more


7. The Total Money Makeover Workbook
by Dave Ramsey
list price: $17.99
our price: $12.23
(price subject to change: see help)
Asin: 0785263276
Catlog: Book (2004-01-21)
Publisher: Nelson Books
Sales Rank: 3273
Average Customer Review: 5 out of 5 stars
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Book Description

In this fresh, interactive guide, respected financial expert Dave Ramsey offers a proven, comprehensive plan for getting in shape financially.  The Total Money Makeover Workbook takes you one step closer to getting out of debt and achieving financial health. Against a playful backdrop of fitness terminology, Dave gives solid, hard-hitting advice and the “hope” and the “how-to” needed to turn goals into reality. The Total Money Makeover Workbook includes:

  • Useful worksheets and forms
  • Readable and informative charts and graphs
  • The four factors that keep people from getting in shape financially

The Total Money Makeover Workbook is an essential resource for anyone desiring total financial fitness. Dave’s no-nonsense, tell-it-like-it-is approach translates into results for those who diligently follow this complete action plan. Tens of thousands of people have already transformed their financial situation with Dave’s advice, rooted in “God’s and Grandma’s common sense.” With The Total Money Makeover Workbook, countless others will be on their way to financial fitness.

... Read more

Reviews (1)

5-0 out of 5 stars Are you people with negative reviews kidding me?
This book is so much more than a book for the financially clueless. After you read this book, listen to Dave's radio program or listen to the archives on daveramsey.com. After less than two months of listening to Dave on radio, our bill arrived from the credit card company and I owed $500 for the previous months spending. I was so irate with myself that I pulled out the old credit card and cut it up while my husband grinned from ear to ear.

Then we went to Costco where Dave was appearing and had him sign our book and discovered for ourselves what a terrific guy he is! He not only cured our financial problems but his influence caused us to merge our finances, and write a monthly budget for the first time (at age 63 and 66). My husband and I were so filled with fresh hope that we were turning cartwheels of joy. We can't thank Dave enough!!! Asking for fresh financial advice is like asking for new ways to breathe air. There are rules in the universe dude, shut up and learn. ... Read more


8. The Automatic Millionaire : A Powerful One-Step Plan to Live and Finish Rich
by David Bach
list price: $19.95
our price: $13.96
(price subject to change: see help)
Asin: 0767914104
Catlog: Book (2003-12-30)
Publisher: Broadway
Sales Rank: 375
Average Customer Review: 4.02 out of 5 stars
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Amazon.com

Despite its sensational title, David Bach's The Automatic Millionaire: A Powerful One-Step Plan to Live and Finish Rich is not a get-rich-quick guide. Rather, the book is a straightforward march through common-sense personal financial planning that suggests readers "automate" their contributions to retirement and investment vehicles. Bach, in fact, calls his model the "tortoise approach" to becoming wealthy by retirement age.

In the early part of the book Bach builds on ideas he established in Smart Women Finish Rich and other bestselling titles. His core principle is that, to succeed, you must "Pay Yourself First." In other words, he suggests using pre-tax retirement accounts (i.e. 401(k)s, IRAs, or Roth IRAs) to set aside a fixed, monthly sum of money before considering what is left for living expenses. The "automatic" part of the title comes from Bach's emphasis on using automated payroll deductions to avoid the temptation of using the money to pay today's bills.

Bach insists that "regardless of the size of your paycheck, you probably already make enough money to become rich." But his claims that his plan requires "no budget, no discipline," is a bit disingenuous. His discussion of the "The Latte Factor" shows that, to find money to start a retirement plan, a person with a modest income needs to make an up-front commitment to stop accruing debt and to reduce spending on such "wasteful" items as lattes and cigarettes.

In the end The Automatic Millionaire does not offer much that is new for readers already familiar with personal finance basics like accelerated mortgage payments, "the miracle of compound interest," and the setting up of emergency funds. But, for those just starting with financial planning, Bach provides a host of resources to put recommendations into action. He walks his readers through such fundamentals as shopping for interest rates, creating a balanced retirement portfolio, and consolidating debt. And Bach's conversational style will make this quick read highly palatable for those daunted by more detailed investment and personal finance titles. --Patrick O'Kelley ... Read more

Reviews (190)

5-0 out of 5 stars Income is not wealth, income only pays for your lifestyle
I used to think that income represented wealth. The fact is your income is not your wealth, only potential wealth. You can live off your income, but you can't get wealthy off your income. You only get wealthy by investing and the proper use of money strategies.

Dave Bach offers powerful money strategies that really work. The first and most important one is to pay yourself first. You must save at the very least, 10% of what you earn before you pay any bills. Isn't it amazing that Americans have such great difficulty saving 10% while the Asians save over 30%!

I know some Doctors who earn a 6 figure income, but are always broke and have nothing to show for it. $150,000 income is nothing when you are spending $175,000.

Bach also offers strategies to cut your mortgage payoff time in half. Pay off credit card debt in 2-3 years, not 5-10 years and more.

I'm with a company that does business in 10 different countries. Our company did over $40 million in sales in it's first year and has created several millionaires in 17 months. Some of the millionaires in this company highly recommend Bach's advice and live by it. That's why they are millionaires. EARNING MONEY IS THE EASY PART. KEEPING IT IS THE DIFFICULT PART. NEEDLESS TO SAY, I RECOMMEND THIS BOOK TO EVERYONE AROUND THE WORLD!

I can't rave enough about Dave Bach's book. I also have his tape set from Nightingale-Conant which goes even deeper into the strategies than this book does.

5-0 out of 5 stars An easy read and effective, too.
My grandmother, who lived through the depression and experienced WWII, gave me this book. My grandmother grew up dirt poor(she had one pair of shoes for school). She dropped out of the eighth grade and yet she is one of the most well read people I know.

This book is so easy to read and just as easy to understand. I've started putting into action the principles put forward in this book and I will have $7,000 saved by the end of the year. I will most likely double that every year, if I keep utilizing the strategies in this book.

I highly recommend this book. Granted most of the advice in this book should be common knowledge. You could learn such things in a Personal Financial Management class; but it's the book's simple language that makes it a quick and easy read. Buy this book, then read it, then practice what it preaches, and you'll be on your way to not having to sit around waiting for the government to take care of you(which is a very scary thought because I don't trust the government to know or care what's best for me).

If more people would stop counting on Medicare and social security, we would all have more money from our paychecks to save and invest for ourselves, instead of giving our tax dollars to losers who don't want to work or take initiative and save/invest for their own futures.

3-0 out of 5 stars Nothing earth shattering, but useful
A lot of people are screaming that there is nothing really new in here. Sometimes you just have to be reminded of the basics. This is not a 7 figures in 7 days type of book. If you looking for instant wealth, look elsewhere. If you want to retire and not be stuck eating government cheese, then read it, follow it and just do it.

It reminded me of a couple things that I already knew, but just needed somebody to tell me again.

2-0 out of 5 stars What about normal people?
I have 2 problems with this book, otherwise it is a good tool.

#1...what if you aren't in your 20's? What if you picked up this book because you are 40 and just realized that you need to do something by the time you're 65! Not much help there. This book is aimed at 20 year olds.

#2...What about when real life happens??? I did actually start saving in a 401K in my twenties. I had a couple of thousand bucks saved and was on my way...Then life happened and I got a divorce. Suddenly I needed that money just to keep my house, and by the time I was 33 I was broke and starting over. Oh yeah, and then when I started saving again in a new 401K, the market crashed and my a/c went to less than 1/2 what it had been.

I wish Mr. Bach had made the book so it could be used by people of any age. Yes, wouldn't it be nice if we all started saving at 20, but most people who pick this book up (I would bet) are in their late 30's or older, in panic mode, hoping for a couple of good ideas to help them get them from here to there without waiting another 40 years to retire.

5-0 out of 5 stars Here's what I think about this book...
People may criticize this book and say its too simple and a bunch of common sense, I disagree. I found it very helpful and feel that simple, straightforward advice will always win in the end over some get rich quick scheme. I give it 5 stars for giving the reader sound advice most people don't practice. Other self-help books I like include "The Multifidus Back Pain Solution. ... Read more


9. Rich Dad Poor Dad : Whatthe Rich Teach Their Kidsabout Money?that the Poor and the Middle Class Do Not! (Rich Dad's (Audio))
by Sharon L. Lechter
list price: $24.98
our price: $16.49
(price subject to change: see help)
Asin: 1586210912
Catlog: Book (2001-03-01)
Publisher: Time Warner Audiobooks
Sales Rank: 3099
Average Customer Review: 3.86 out of 5 stars
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Book Description

"Personal-finance author and lecturer Robert T. Kiyosaki developed his unique economic perspective from two very different influences--his two fathers.One father (Robert's real father) was a highly educated man, but fiscally poor.The other father was the father of Robert's best friend--the Dad who was an eighth grade dropout who became a self-made multi-millionaire.The lifelong monetary problems experienced by his "poor dad" pounded home the counterpoint communicated by his "rich dad."Taking that message to heart, Kiyosaki was able to retore at 47.RICH DAD, POOR DAD, written with consultant and CPA Sharon L. Lechter lays out Kiyosaki's philosophy behind his relationship with money.RICH DAD, POOR DAD opens readers eyes by:

- exploding the myth that you need to earn a high income to be rich
- challenging the belief that your house is an asset
- defining once and for all an asset versus a liability
- explaining what kids need to know about money for their future financial success" ... Read more

Reviews (1475)

5-0 out of 5 stars Eye opener !
I am a 35 y/o computer person. As I grew up, my parents told me to go to school and become an engineer, or an accountant, so that I could have lots of money. I grew up thinking it would happen, and my belief got stronger when I chose a profitable computer carreer. However, I spent 15 years working on computers, with many over-time hours, and lots of time away from friends and family because I was learning newer technologies to try to make more money.

However, I never got rich, I made good money but I was never able to accumulate more than $5,000 on my bank account. I never understood why after working so hard, money was still a big concern! I figured out that there's gotta be another way to become wealthy. I gave it my best shot at studying and working hard, and years went by and things didn't get better.

I started looking for information on wealth accumulation books, and a friend of mind recommended this book. This book has been very enlighting, I wish I had learned the principles shown in here 15 years ago. If I had, I know for a fact that money would not be a big concern for me today. I feel much better now because, even though I don't have lots of money (not yet), this book pointed me in the right direction.

I also recommend "Think and Grow Rich" by Napoleon Hill. It goes deep into detail about what to put in your mind if you want to become wealthy.

I hope my review helps.

5-0 out of 5 stars This book is an eye opener to all of those who desire money.
I have read both 'Rich Dad, Poor Dad' and 'Cashflow Quadrant.' Being young and still in college, these two books have taught me how the rich think. As Kiyosaki emphasizes, getting a high paying job after college is not the answer to becoming financially indepent and satisfied. His books unteach the reader everything he/she has learned about money and allows the reader to focus on building wealth the way millionaires do. His books are enlightening, and his method to achieving wealth makes sense logically. After reading 'Millionaire Next Door', I could honestly tell that Kiyosaki's method is the way the truly rich think. 'Millionaire Next Door' simply focuses on frugality and spending as little money as possible. Who wants to enjoy all of their money when they become 60 yeas of age, having spent their prime years living as cheap as possible? Kiyosaki's book is excellent in teaching the common man/woman how to have money work for them and allows them to live life to their fullest. I recommend this book and 'Cashflow Quadrant' as the first two readings for someone seeking financial independence.

5-0 out of 5 stars Powerful, life changing program
A few months ago, I was working in sales for a B>B Business Group. I followed Mr. Kiyosaki's advice and started investing my money in passive income. I bought some equities, a rental or two and started a home based business.

While my colleagues spent their checks and worked for ThankGodItsFriday and cheer for Wednesdays because it was "hump day" and yell hooray for the weekend, and then made wise cracks about my goals. I invested, left that company over 6 weeks ago and am now full time in my own business. Meanwhile, my colleagues were recently served notice that their company (my former company) is laying off 150 people!

Thank God for Robert Kiyosaki.

2-0 out of 5 stars Can't communicate to save theirselves
Easy read-18 minutes & spelling and grammer errors are throughout. Plus, pure money making "Dribble". Follow this & you LOOSE!

5-0 out of 5 stars A book on how to think like the rich do
This book is about strategy, not tactics. Here you will start to learn how the rich think. This book changed my life as it was the first book of my new life! It's not going to teach you the exact tactics the rich use (try the new van tharp's book for that) but more importante it will teach you the thinking behind what they do. Don't mind the bad reviews: it worked for me. ... Read more


10. The Total Money Makeover: A Proven Plan for Financial Fitness
by Dave Ramsey
list price: $24.99
our price: $16.49
(price subject to change: see help)
Asin: 0785263268
Catlog: Book (2003-09-11)
Publisher: Nelson Books
Sales Rank: 402
Average Customer Review: 4.31 out of 5 stars
US | Canada | United Kingdom | Germany | France | Japan

Book Description

Respected financial expert Dave Ramsey offers a comprehensive plan for getting out of debt and achieving financial health. Against a playful backdrop of fitness terminology, Dave gives solid, hard-hitting advice needed to make your goals a reality. Filled with both the “hope” and the “how-to,” The Total Money Makeover includes:

  • Useful worksheets and forms
  • Readable and informative charts and graphs
  • The four factors that keep people from getting in shape financially
  • Photos and amazing stories from people who have succeeded following The Total Money Makeover plan

The Total Money Makeover is a necessity for everyone in need of a financial makeover. Readers will learn to live by the The Total Money Makeover motto: “If you will live like no one else, later you can live like no one else.”

... Read more

Reviews (39)

5-0 out of 5 stars The Total Money Makeover
How many books can "Truly" say they have changed someone's life? This book should be a must read for every high school senior to get them on the right financial path. Dave has a very simple step-by-step plan to financial freedom, no matter how much you earn or how old you are.

To supplement this book, listen to his great radio show. It again, has caller after caller you can learn from to help you and your family with your financial future. It has helped my wife, daughter and myself to be able to say, in 5 months, will be debt free, besides our house, following Dave's plan, thanks Dave!

I read a lot of book and can honestly say this book is one I will pass on to someone I truly care about. This book is a must read.

5-0 out of 5 stars Common Sense for your Dollars and Cents
Dave has done it again. In his new book The Total Money Make Over Dave Ramsey explains and expands on the financial wisdom of "Baby Steps", get out of debt, live on less than you make, save money, and retire with dignity. If you liked Daves' first book Financial Peace (now revisited), you will love the Total Money Make Over. He gives tons of real life examples of how real people got out of debt and changed their lives.

My favorite saying "If you live like no one else, later you can live like no one else."

This is not a "high-brow", sophisticated, plan for how to invest $1 and make a million. This book is full of common sense ideas to save money, get out of debt, and win with money.

I encourage anyone to buy the book. If you want to learn more before you buy tune into Daves radio show, or listen to the archives at www.daveramsey.com

Thank you for your ministry Dave

5-0 out of 5 stars Great read! Awesome book!
I'd never heard of Dave Ramsey until about 6 months ago when my mentor suggested I read his book. I found out later that he also had a radio show. I know, I know...I live under a rock. :) (We don't have a local affiliate where I live that carries his show.)

Anyway, this book gets you to think, which is the most important thing that it does. Does it give all of the most intricate details? Not always, but it doesn't need to. If you can't make your mortgage payment this month and don't have food on the table, do you really care about the intricacies of the ROI of a particular mutual fund? Hell, no!

The most important thing this book does is give you belief. He MAKES the reader analyze their situation and does a darn good job of it. The stories of success written by Dave's faithful listeners are what solidifies this book, not just Dave's messages. I know I would not be as read to commit to fixing my own problems if it wasn't for these stories. They are key...injections of belief.

God Bless Dave Ramsey and his audience for this great read. I'm re-working our budget right now! :)

5-0 out of 5 stars It Works!! We Tested It!!
There are so many books on being financially set that you wonder if there can be another book that has the right principles. Almost like all those diet books out there.

I needed some help and knew of 10 other families in need of help also. So we gathered together and did a course of study using this book as our main textbook. The results???

EVERY family is doing much better financially 4 months after completion of our studies. I am referring to 10 different families with 10 different backgrounds!!!

My statement is that if it can work for this group there is no reason why it cannot work for you. The principles are simple to understand and therefore to follow. The key is learning how to really do a monthly budget with enough room to flow without choking through the month.

IT WORKS!!!!

5-0 out of 5 stars Get Back On The Right Track Financially
This book can definitely change lives. Dave Ramsey provides a step by step "real life" approach to tackling your financial woes. I can't say enough good things about this book.

Are you sick of living paycheck to paycheck?

Are you tired of worrying about your retirement funds?

Are you in a financial mess?

If you answered yes to any of these questions, you need Dave Ramsey's "The Total Money Makeover". It is a great read. It has helped my family immensely; though we need to concentrate a little more in certain areas.

This book can teach you how to become debt-free in three to four years of sincere effort.

Well, what are you waiting for? Click the "BUY" button. It may be the best move you've ever made.

See ya next review.
www.therunninggirl.com ... Read more


11. Conquer the Crash: You Can Survive and Prosper in a Deflationary Depression
by Robert R. Prechter Jr.
list price: $27.95
our price: $27.95
(price subject to change: see help)
Asin: 0470849827
Catlog: Book (2002-06-21)
Publisher: John Wiley & Sons
Sales Rank: 31730
Average Customer Review: 3.73 out of 5 stars
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Amazon.com

In Conquer the Crash, Robert Prechter explains why he thinks the boom times are behind us. Based on his interpretation of the Elliott Wave principle (an idea premised on the notion that mass investor psychology is what really drives markets), Prechter believes that the U.S. economy is about to enter into a deflationary depression that few investors are prepared to deal with. In making his case, Prechter assembles an impressive array of data that in essence suggests that the bill for the last 10 years of market excess is about to come due. The second half of the book shows how to avoid becoming "a zombie-eyed victim of the depression" and offers advice on protecting one's assets in a deflationary environment (cash is king). If there's any good news in the future that Prechter sees coming (other than how to avoid it), it's that all-out depressions don't last very long. Conquer the Crash should appeal to gloom-and-doom investors and to those desperately looking for a safe haven from the uncertainties of today's markets. --Harry C. Edwards ... Read more

Reviews (89)

5-0 out of 5 stars Who are you going to believe?
Subscribers to Prechter's newsletters will have already read most of what is in this book. But for the other 99.99% of investors in the world who are not his subscribers, he has distilled down his reasoning and recommended course of actions into one convenient place.

This book is really two books within one set of covers -- the publisher even uses two different kinds of paper stock to differentiate the "books." In "book one," Prechter draws from history and shows charts & graphs (some going back 300 years) of what has happened in situations similar to what we are going through today. Known for his Elliott Wave analysis, Prechter does not stop there. He uses all of the tools of technical and fundamental analysis to methodically build his argument that the current market downturn is very far from over. Like a lawyer presenting a case, he covers everything from esoteric considerations such as rising federal debt as a percentage of GDP, to public psychology, to the ultimate impotence of the Fed. At the end of the section, the reader is left with the choice to either believe that history repeats, or that "this time it's different."

"Book two" presents practical advice of what to do now. He offers suggestions of what to do if you're in the stock market and your account is way down. He covers junk bonds, real estate, treasuries, pension plans, 401Ks, insurance, gold, and the whole spectrum of investments. To help the reader, he lists the safest banks in the country. He has eye-opening advice for people who are relying on government protection such as FDIC bank account insurance. Finally, he shows how to actually profit in the environment we are currently in.

Some disparage Prechter for his past fault of getting out of the market too early. It's a valid criticism; nevertheless, every one of his predictions are currently playing out. How do you argue with someone who is right?

Ultimately, the reader is left with a choice. One is to follow the financial mass media, economists and brokerage analysts who say recovery is just around the corner. The other is to look at history and Prechter's prediction, along with his track record of being only one of a handful of people to predict the magnitude of the market crash. Who are you going to believe?

5-0 out of 5 stars Shows you how to profit from the coming depression.
In his new book, Robert Prechter makes a convincing case that we are heading for a deflationary depression, similar to the environment the U.S. saw in the early 1930's, and Japan has experienced for the last 12 years. Readers are shown how to prepare, and even prosper as this deflationary scenario unfolds. While most will be crushed by the weight of their own mortgage and credit card debt, readers of this book can take advantage of a once in a lifetime investment opportunity.

Prechter's understanding of technical, contrary, and economic analysis is exceptional. According to conventional wisdom of investors, traders, and the so-called "experts" on Wall Street, external events and fundamentals cause psychology and social mood to change. Flying in the face of this conventional wisdom, Prechter maintains that in reality the opposite is true; psychology and social mood cause underlying economic and market conditions to change. Once you view events from this perspective you can successfully anticipate conditions and properly adjust your investment techniques for maximum wealth appreciation and preservation.

Prechter identifies the many ways for readers to profit off the continuing stock market decline. Whether you trade stocks, bonds, commodities, or options you will find valuable advice in this book. It will have a permanent spot on my own bookshelf next to Prechter's earlier classic "At the Crest Of the Tidal Wave". Prechter's advice will surely be used in my own trading.

2-0 out of 5 stars Interesting but...
I like Prechter because he's an interesting, unconventional thinker. But... I want to be careful and fair... doesn't his track record leave quite a bit to be desired?

At one time (I think the early 80's), I've read or heard he did well with his market predictions. But, not sure, didn't he get the 87 crash wrong in the sense that the market quickly recovered and that would've been the opportunity of a lifetime to buy? And, hasn't he's been bearish though another great opportunity, the incredible bull market of the latter 90's?

Finally, here we are in mid 2004, with Gold holding _above_ $400, the stock averages within spitting distance of their old highs, and the fed likely to raise interest rates because of the economic recovery (along with job creation) to keep inflation in check.

It just seems like Elliot Wave strings you along... there're always unlikely alternate counts and unlikely alternates to those that make you question why the unlikely of the unlikely seem to happen so often. I'm not trying to bash; would actually prefer to be more positive; but am simply expressing an honest dissapointment.

5-0 out of 5 stars Highly Recommended!
Prophets of doom have always made entertaining reading. In his latest fire-and-brimstone warning, Robert R. Prechter, Jr., an experienced forecaster of long-term economic and social trends, says financial Armageddon is just around the corner. While his technical analysis ("Wave Theory") may appear to be stock-market astrology, readers may appreciate his examination of the basic functions of money and credit, his argument that worldwide central banking has fundamentally altered these functions, and his perceptive comparisons of the late 1990s with the Roaring Twenties. Prechter might have appealed to a broader audience by toning down his graphs and technical talk, and focusing instead on his investment suggestions: If the market turns down, you'll save your skin, but even in a bull market, keeping your money safe can't hurt. We recommend this book to anyone looking for bear-market investment advice, as well as those interested in technical analysis or an opinionated view of business and market cycles.

2-0 out of 5 stars A poorly argued case, even for market bears.
Mr. Prechter is best known as a popular advocate for the Elliot Wave principle. He continues this school of thought in this book.

The book is divided into two parts. The first part attempts to persuade the reader that the US economy is headed for a deflationary depression. The second part recommends actions to prepare and prosper during a deflationary depression. This specific edition of the book also includes an update written in 2004. (The original book was written in 2002.)

First of all, with any investment book review, it is important to understand the reviewer's biases. My belief is that the US will enter some type of unwinding, either through an extended securities bear market, or more severe overall imbalance. I maintain a minor belief in technical analysis but do not rely on it.

Elliot Wave analysis is, at its core, a technical analysis methodology. Elliot Wave claims to find a recurring pattern in short term, long term, and ultra-long term market price charts. What is gravely missing, however, is some sort of explanation or justification for its supposed utility. Many schools of technical analysis, for example, give plausible explanations for why "resistance levels" exist based on market or individual investor psychology. This is completely missing from Mr. Prechter's writings and thus he fails to distinguish himself from a long line of failed data miners.

This missing and crucial "why" is the most glaring hole in this book. While other writers attempt to prove a thesis through a chain of reasoning and supporting data, Mr. Prechter skips steps in his thesis. The holes are not glaring to a casual reader, but a person with some breadth in economic knowledge will easily spot large omissions.

For example, even if you accept the disjointed framework of technical and fundamental analysis, the fundamental arguments for deflation are seriously flawed. Note, also, that Elliot Wave principles claim only to predict the performance of securities. Thus, Elliot Wave is agnostic with respect to the inflation vs. deflation debate. Therefore, Mr. Prechter's arguments for deflation are purely fundamental in basis. This is where his loose foundation really comes apart. His understanding of the Federal Reserve functions are contrary to those written by many other writers and scholars, including many who share similar contempt for the Federal Reserve. This is rather crucial, because the specific authorities and obligations of the Federal Reserve can determine whether a presumed economic failure results in deflation or hyper-inflation. Convincing cases for deflation have been made, but Mr. Prechter does not offer one.

Where many market bears thoroughly argue and carefully build their conclusions, Mr. Prechter glosses over far too many details to arrive at this deflation conclusion and blatantly ignores examples that contradict his thesis. He uses the US depression of 1929 as his sole argument that monetary policy is powerless to prevent deflation, forgetting that Federal Reserve authority was much lesser back then. Meanwhile, he ignores the numerous historical hyper-inflation examples caused by monetarism, such as 1970's US "stagflation", the recent collapses of Argentinean and Mexican currency, or even popular historical cases such as the South Sea Company bubble and post World War One Germany. Mr. Prechter is either grossly ignorant or deliberately avoiding such cases. Neither speaks well for him.

Most importantly, he sets up his own case of why he is wrong. He admits that there is a small probability that he could be wrong and that hyper-inflation will set in. Mr. Prechter says that this would be indicated by a declining US dollar and a price of gold reaching above $400 per ounce. Both are now clearly true, yet in his 50-page 2004 appendix, he conveniently ignores this fact and chooses to emphasize only his market index prognostication.

The rest of his fundamental case rests on material already beaten to death by other bearish scholars. He writes about historical price to earnings ratios, the contrarian indications given by popular finance magazines and long-to-short ratios, for example. His fundamental arguments are not thoroughly presented and escape ridicule only because others have argued the case before him. He adds nothing new here.

Since the first part of the book is so poorly supported, the second part regarding how to survive a depression is irrelevant. His recommendations generally apply only to deflation and would not work in a hyper-inflation or zero-inflation economy.

When one supports an already argued case, the burden of proof is small. However, if one dares to present a different case as Mr. Prechter has done, one needs to cover all well known and reasonably applicable cases at a minimum. Mr. Prechter has failed in this regard and by his own criteria. ... Read more


12. The Intelligent Asset Allocator: How to Build Your Portfolio to Maximize Returns and Minimize Risk
by William J. Bernstein
list price: $29.95
our price: $19.77
(price subject to change: see help)
Asin: 0071362363
Catlog: Book (2000-09-22)
Publisher: McGraw-Hill
Sales Rank: 3841
Average Customer Review: 4.88 out of 5 stars
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Book Description

“Bernstein has become a guru to a peculiarly ’90s group: well-educated, Internet-powered people intent on investing well—and with minimal ‘help’ from professional Wall Street.”--Robert Barker, BusinessWeek

William Bernstein is one of today’s most unlikely financial heroes. A practicing neurologist, he used his self-taught investment knowledge and research to build a popular investor’s website. Now, in the plain-spoken The Intelligent Asset Allocator, he shows independent investors how to build a diversified portfolio—without the help of a financial advisor. A breath of fresh air for investors tired of overly technical investment tomes, this book will help investors:
• Learn the risk/reward characteristics ofvarious investment types
• Understand and apply portfolio theory for an improved risk/reward ratio
• Sharpen their focus, and take control of their investment programs William Bernstein (North Bend, OR) runs a website—www.efficientfrontier.com—known for its quarterly journal of asset allocation and portfolio theory, Efficient Frontier. ... Read more

Reviews (26)

5-0 out of 5 stars An Essential Tool For Serious Investors
Dr. Bernstein's excellent presentation in this text of Modern Portfolio Theory (in particular, mean-variance analysis) and his three-step approach to asset allocation should not be overlooked by the serious investor or by investment advisors. While some background in statistics would be helpful to the reader, don't run away if you are not a mathmetician. Read the chapters slowly, one at a time, and you'll gain valuable insights into the all-important asset allocation decision. No other text I've read to date better explains Modern Portfolio Theory and the underlying theories of asset allocation to the lay investor.

Dr. B effectively presents additional arguments for value investing and tax-efficient investing. The last chapter also contains a very useful reading list, providing a synopsis of books by Malkeil, Bogle, Haugen, and a host of web sites which can provide valuable data and reading. Investors should not overlook Dr. Bernstein's own web site, which is frequently updated with his newsletters.

The very beginning investor should perhaps first explore Bogle's Common Sense on Mutual Funds, and then explore texts by Burton Malkeil, Larry Swedroe, and perhaps a few others. This text can then be dived into (patiently). Bruce Temkin's recent text, The Terrible Truth About Investing, should then follow, lest the individual investor believe that he or she knows it all.

I highly recommend this text as an addition to every serious individual investor's library, and to investment advisors desiring to explore the fundamentals of Modern Portfolio Theory.

5-0 out of 5 stars Very good but with some inconsistencies.
This book is a very good read that kept my attention. The book focuses on low-cost index fund oriented investing across various types of investments and is a good companion book to A Random Walk Down Wall Street. The author looks at both investment theory and how the theory applies to actual market history. Although the theory can involve a little too much math at times for some readers, this is not a problem as the author's point comes across clearly.

Although the book was generally excellent, some of the author's points are inconsistent. For example, the author talks at length about how future returns are unpredictable but later states that stock prices are overvalued and due for a downturn. Additionally, the author stresses how periodic portfolio rebalancing is important in asset allocation but then says that there is a strong argument for never rebalancing due to tax consequences. However, these inconsistencies are insignificant to the work as a whole and I strongly recommend this book.

5-0 out of 5 stars The Intelligent Asset Allocator: How to Build Your Portfolio
Bernstein has become a guru to a peculiarly '90s group: well-educated, Internet-powered people intent on investing well-and with minimal 'help' from professional Wall Street

5-0 out of 5 stars Outstanding all the way around
I've read many investment books but this one is a cut above. Bernstein is a gifted author and lays a path for the reader to reduce investment risk while increasing investment returns though, what else, intelligent asset allocation. He covers the tradeoffs of mutual funds and stock picking but the real meat of the reading is the benefits of asset allocation (spreading your investments into classes that move independently of one another) and how one might implement such a strategy. He stops short of telling you which strategy but he does provide sufficient data for you to get started.

Bernstein is a gifted writer and a powerful, logical presenter of what should be an easily managable financial strategy. It should be the only book you need on investing.

5-0 out of 5 stars Don't be scared
When you pick up this book and look through it the graphs my scare you. Don't let your math phobia kick in. William Bernstein does a great job of walking you through each chapter. In fact at the end of one of the first chapters he tells you to put the book down for a few days and just digest the information. I would rate myself as at least an investor with moderate investing knowledge. I found this book helpful and the charts held validate the points Mr. Bernstein is making. I suspect I will refer to it often when I have a guestion about investing. ... Read more


13. Cashflow Quadrant: Rich Dad's Guide to Financial Freedom
by Robert T. Kiyosaki, Sharon L. Lechter
list price: $17.95
our price: $12.56
(price subject to change: see help)
Asin: 0446677477
Catlog: Book (2000-04-01)
Publisher: Warner Business Books
Sales Rank: 776
Average Customer Review: 4.1 out of 5 stars
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Book Description

"What is the difference between and employee and a business owner?Why do some investors make money with little risk while most investors just break even?Why do most employees go from job to job while others quit their jobs and go on to build business empires?

THE CASHFLOW QUADRANT answers these questions and guides readers in finding their own path to financial freedon in a world of ever increasing financial change.It is a book written...

- for people who are ready to move beyond job security and begin to find their own world of financial freedom.
- For people who are ready to make deep professional and financial changes in their lives
- For people who are ready to move from the Industrial Age to the Information Age

Have you noticed that many of the brightest graduates from our universities want to work for college dropouts...dropouts such as Bill Gates of Microsoft, Richard Branson of Virgin Industries, Michael Dell of Dell Computers, Ted Turner of CNN?Dropouts who are today the mega-rich oof society.Why does this happen?As THE CASHFLOW QUADRANT reveals, it is simply a matter of knowing which quadrant to work from and when." ... Read more

Reviews (221)

5-0 out of 5 stars Become a business owner - I agree!
In this followup to Rich Dad Poor Dad, Robert Kiyosaki goes even deeper into the various quadrants and explains why and how anyone can go from the E to B to I to S Quadrants. And I am pleased to see that Kiyosaki is telling the truth about network marketing and why it is such a powerful S-Quadrant.

In fact, Kiyosaki offers two examples; one a friend who didn't have the money to start a conventional business so dove into network marketing and over time, built a very successful bsuiness.

The other was a real estate investor who was continually being probed by people on how to become rich. When he told people that he made his fortune in million dollar real estate deals, they were depressed because they knew that they did not have the capital of the skills to do that. So this guy got into network marketing solely to provide a vehicle that people with limited capital and limited sales skills could dive into and begin creating cash flow and residual income immediately. His circles of influence saw his success in network marketing and knew this was something they could do. And they succeeded!

Cash Flow Quadrant discusses the various quadrants. It describes the personalities of the people in each quadrant. And describes how to become more than a business owner but to reach the S-Quadrant, the ideal quadrant which provides financial and personal freedom. It gives you both time and freedom.

5-0 out of 5 stars Its Work, and Its Worth It
Robert Kiyosaki presents a solid theorem that clearly states what people need to do to shift from the paycheck-to-paycheck life to the financial freedom lifestyle. As an advisor to business executives, investors and entrepreneurs, I can say without reservation that he is right on the mark.

We now give this book to clients of the firm and prospective entrepreneurs as a must read. To benefit from this text, and to be successful in the "B" and "I" quadrants he defines, individuals must make a paradigm shift. To grasp paradigms, they should read Paradigms : The Business of Discovering the Future by Joel Arthur Barker. Paperback (May 1993). This is another must read for our clients.

Here is the bottom line: Cashflow Quadrant makes it clear that people desiring financial security and financial freedom need to shift from the "E" or "S" quadrants to the "B" and "I" quadrants, and must change what happens between their ears as the starting point. It requires going to a different kind of university to learn and apply new things. Without reading books like Cashflow Quadrant, most people won't have a chance to cross over because they won't understand the underlying psychology that makes the difference between success and failure.

Regrettably, in our experience, and in the experience of other firms, we find that most people won't make the shift because they can't handle the emotional risk, even when they can handle the time or money risk. The emotional risk is the show-stopper.

This is what Robert Kiyosaki's rich dad pointed out to him when he told Robert that he must go into sales and hone his skills before he had a chance at becoming wealthy. Selling requires precisely the emotional development needed to handle emotional risk, and handling emotional risk is one of the keys to success. Without it, you can't get there from here. As Robert Kiyosaki points out, for many people, network marketing will more likely be their opportunity and proving ground, rather than buying a national franchise or a corporation. The best network businesses provide the kind of "university" people need, as the author explains. And, there is much less downside risk to network businesses than buying or building a corporation.

This is an eye-opening, eye-popping text that readers should study as one of their first steps in their journey to make the successful transformation from an "E" or "S" to the "B" and "I".

5-0 out of 5 stars An absolute must read!
I read Rich Dad Poor Dad which was great and got me hooked on the series, and that was the perfect warm-up for the Cashflow Quadrant. I learned more about the way the world of money REALLY works in the 2 days it tooks me to read this book than I have in my entire life. I'm 28 now, and if I had read the Rich Dad series before I ever got my hands on a credit card, I'd be a millionaire by now. Chapter 6 of this book especially blew my mind. It's very much like the movie "The Matrix". I had no idea what was really going on in the real world before I read the first two Rich Dad books and they opened my eyes up to the systems the rich use. The problem is, most people that are not born rich feel like they can not achieve great wealth, but it is very attainable if you have the knowledge and the courage to act. These books are priceless to me, and I'm trying to get my parents to read them and break out of their "Industrial Age" way of thinking that has kept them in debt their whole lives with very little saved for retirement. Read Rich Dad Poor Dad first, because it lays the foundation perfectly for this book. You may hear people complain that there is too much repetition in these books, and there is to some extent, but it only reinforces the concepts they are trying to teach you. I don't mind that all, since that's the way you remember things, just like studying for a test. Don't listen to naysayers, these books are gold!!

5-0 out of 5 stars Powerful book for generating cash flow
This bookis awesome. I bought it on Friday and already have developed cashflow strategies that will enable me to exit my 9-5 job. Thank you Robert Kiyosaki.

3-0 out of 5 stars Mostly More of the Same
At the beginning of "Superman 2", we are given a quick review of what happened in the first movie. This was necessary, I guess, in the days before home video and cable TV in every home. Cashflow Quadrant, the sequel to Rich Dad Poor Dad, contains far more than a quick review of the first book, and with the advent of libraries and on-line bookstores, I really have to wonder why they repeated the information. In fact, it repeats so much of the information from the first book that I question the reasons for making CQ into its own stand-alone book at all. It feels more like "the rest of the information" than subject matter for a completely separate book.

I thought Rich Dad could have used tighter editing, and if it had, it would have been a much shorter book. CQ is exactly the same way, meaning that if both were edited down to avoid repetition, they could be combined into a single, highly-informative book of about the same price.

Am I exaggerating? Perhaps, but consider that this is my impression based on the ABRIDGED audio version.

But I digress. The real question is how informational this book is. To be sure, there is a good bit of information here, but I felt a little disappointed by the end. Kiyosaki spends most of the book stating why we should change but only a very brief conclusion tells us how to begin the process.

I still have more questions than answers, and I'm starting to wonder if the Rich Dad series will actually tell me what I need to know. For example, Kiyosaki says you should typically become a B (business owner) before becoming an I (investor). What is the next book in the series? Rich Dad's Guide to Investing. *Sigh* I want to take your advice and build a corporation. I have no money (so investing is out of the question), but I'm ready to get serious, and now you won't tell me how to get started? He ends this book with the this advice: "Take baby steps." His next book gets you ready for the Olympics. Either I'm missing something or he is.

So I must say I give this book high marks for philosophy (just like its predecessor, CQ has helped reshape my thought patterns), but if you want much actual information, you will be spending more money on books. If the purpose of this series is to teach you how to have more money with less work, Cashflow Quadrant is an ironic waste of time and money.

Quick note on audio CD: the narrator's habit of extreme annunciation definitely takes some getting used to. ... Read more


14. Your Money or Your Life: Transforming Your Relationship With Money and Achieving Financial Independence
by Joe Dominguez, Vicki Robin
list price: $15.00
our price: $10.50
(price subject to change: see help)
Asin: 0140286780
Catlog: Book (1999-09-01)
Publisher: Penguin Books
Sales Rank: 2177
Average Customer Review: 4.43 out of 5 stars
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Book Description

Find financial freedom in the new millennium with a new edition of the life-changing national bestseller

More than three-quarters of a million people everywhere, from all walks of life, have found the keys to gaining control of their money--and their lives--in this comprehensive and revolutionary book on money management. Considered the bible of the voluntary simplicity movement, Your Money or Your Life is now updated with a new Preface, Index, and Resource list to help you put the program into practice. This simple, nine-step program shows you how to:

* get out of debt and develop savings
* slow down the work-and-spend treadmill
* make values-based decisions about your spending
* save the planet while saving money

* Over three years on the Business Week bestseller list
* Your Money or Your Life made all major bestseller lists in hardcover and paperback, including the New York Times, USA Today, Business Week, Publishers Weekly, and Washington Post
... Read more

Reviews (124)

5-0 out of 5 stars A good place to convey the real cost of money to teenagers.
I have been using many of the principles in the book for years and read the book to 'help back up my thinking'. Then I handed the book to my wife who is deeply in debt (I am out of debt). She is yet to read it but I am hopeful that at least some of it will 'sink in' and she will change her course. You just can't make ends meet by spending $2.00 for a dollar sandwich (interest).

The book is well worth reading and learning from, even if you don't do all the steps it asks you to. Live your life to your OWN satisfaction and leave the JONES alone. There are a lot of JONES' who are bankrupt. Spend money with NEED and VALUE in mind. Let the others mind their own business.

It was a shame that Joe Dominguez died recently. He did live a GOOD life by helping others who needed help and were also willing to listen to his advice. A person must be willing to listen AND learn from the examples of others.

5-0 out of 5 stars It's your life - Take charge of your personal finance
YMOYL is one of my top ten books of all time. Why? Because it maturely and rationally analyzes your personal relationship and attitudes about money, status, and life style and basically forces any sentient human being to realize that living within his or her means is a plausible and desirable way to live.

By doing a personal inventory and finding what we really want to do and cutting all the unnecessary crap out of lives that isn't fulfilling. It encourages you to reduce your consumption, reevaluate your career path and dare to do what you really dream to do, or even work less. You rethink the American Dream, maybe you don't need to have a house or a fancy car. Maybe you'd rather have your time. Maybe you just know that the way you are living isn't how you want to.

The books teaches you to see money as your life energy. To think of every dollar as an increment of your time. And it teaches you how very precious your life energy is.

In our hectic, status-fueled, mad world this book is a breath of fresh air. It offers a lot of information on how other humans simplified their lives and to open up the possibilities for you to live this way as well.

5-0 out of 5 stars Not Your Everyday Relationship Book! But a Lifesaving One...
A friend of mine first recommended Your Money or Your Life to me ten years ago. I went out and bought the book, read it, put it on my bookshelf where it languished collecting dust, and finally re-read it three months ago. Why didn't the book's messages sink in the first time I read it? Was I lazy? Not ready to have a relationship with money? Or did I need to hit rock bottom and accumulate significant credit card debt to understand that money was controlling me and not the other way around? The bottom line is I finally admitted I had a problem with managing money and needed to do something about it.

Money is a very emotionally-charged, personal, and difficult subject. Dominquez and Robin attempt to take out the emotional and conduct a rational conversation with you about money and the role it plays in our lives. Money is simply a medium of exchange and you need to understand how you are exchanging it with your life energy. Some of the language is "new agey" and environmentally-oriented, but make sure you see the forest through the trees.

This book is the one that finally motivated me to start tracking my expenses on a daily basis. I've read books by Suze Orman, David Bach, Charles Schwab and countless other money experts. But Your Money or Your Life brings to life how tracking your income and expenses, in a way that works for you, will make you want to think about each and every dollar that you spend. We spend our time earning money, we spend our time spending money, but how much time do we spend thinking about and tracking where our money goes? And you don't have to use Intuit or some other fancy software program to manage your money. Design a format that works for you.

I now look forward to the end of each month where I tally up what I've spent, put it in into categories, and paint a picture of where my money is coming from and where it is going. I'm still recovering from the shock of what I spend on "communicating" with the world: a cell phone, a phone, an internet connection, and a cable connection add up to a significant amount of dollars each month. Is it all really necessary? The next step is to understand how my spending patterns match up with my values. I see a phone reduction in my near future!

For anyone who is ready to build a stronger relationship with money, this is the book to read. Your Life or Your Money clearly states that there is no shame and no blame for how you've managed your relationship with money in the past. However, I sure do wish I had listened to my friend and this book ten years ago. I know I would be in a different place financially than I am today, but am excited about what the future will bring.

5-0 out of 5 stars Finance debunked
One of the great lessons of life that I thankfully learned at a relatively young age is that if you do what everyone else does, you'll end up with what everyone else has. Sadly, most people have nothing. No savings, no investments of any real value, excessive debt and a lifestyle that revolves around paid employment that they hate. You don't want that, or you wouldn't be here.

There are three challenges to implementing this program. The first is believing in the program enough to alter your behavior. After all, Dominguez asks you to do some things that most of your friends, financial advisors, etc. would claim to be a waste of time. They aren't, but it's going to require a little blind faith for about 90 days or so on your part before you figure that out.

The second challenge is to have the discipline during the early stages of the program to stay the course. We live in a society that expects instant gratification, but this program (like most things worth having) doesn't work that way. Writing down every penny of spending is boring, but it is absolutely necesesary if you're going to understand just how much money you waste every month.

Finally, the last obstacle (and perhaps the largest) is getting around your old friends, because they're not going to like the new you. They will try to derail you, because most people are uncomfortable with change and they won't like the fact that you're trying to make such radical changes in your life. Be prepared.

The good news is that the goal of FI is realistic. The changes to your lifestyle are easy to make once you understand the author's concept of life energy. Ironically, once you understand life energy, you'll realize that spending less doesn't mean giving anything up. You actually gain by having less. Finally, those acquaintences who resent your new casual lifestyle can be replaced by real friends who understand and respect your choices.

One of the great paradoxes of life for most Americans is that they think being financially independent is difficult and they think they want it badly. In reality, it's not at all difficult...they just don't want it badly enough.

Read the book, implement the complete plan for 90 days. Figure out how much of your life energy you're wasting on trinkets and junk. Change your life. You won't regret it.

5-0 out of 5 stars Great plan, and message.
This book is truly about more than just getting out of debt and gaining control over your money. It is about choosing what is most important to you personally, then making the choices to help you get it (whatever that may be).

If you get this book, and want it to change your life, you have to follow the system laid out in it. It does no good whatsoever to just read it and then hope for the best. We need to take action and control of our money situations if we are going to make a change, and this book gives the tools needed to do just that. ... Read more


15. I'm Rich Beyond My Wildest Dreams--I Am. I Am. I Am.: How to Get Everything You t in Life
by Thomas L. Pauley, Penelope J. Pauley
list price: $14.00
our price: $10.50
(price subject to change: see help)
Asin: 042519194X
Catlog: Book (2003-12-01)
Publisher: Berkley Publishing Group
Sales Rank: 13057
Average Customer Review: 4.68 out of 5 stars
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Book Description

Thomas Pauley and Penelope Pauley were given a key that unlocked the door to riches beyond their imagination. Now father and daughter tell their story. The simple system detailed in this book is so powerful it took their family from a second personal bankruptcy to a rich and happy life, practically overnight.

Learn:
€ How to guarantee your success
€ One amazing secret that makes millionaires out of wage earners
€ The key to an immediate, large, permanent increase in your income
€ Why too much effort produces exactly the opposite result
* and much more...
... Read more

Reviews (19)

5-0 out of 5 stars A Real Life Manual For Getting What You Want In LIfe
I was really lucky to come across "I'm Rich Beyond My Wildest Dreams". This book clearly explains how you can attract abundance, prosperity, and great health in your life.

I have used the manifesting system described in this book to have dinner with one of the most famous personal development speakers and gurus in the world!!! I have used this system to eliminate some serious business problems, such as a really problematic business client.

I'm using this system to manifest more money and wealth in my life than I ever thought possible.

The key is to actually do the exercises that Thomas Pauley and Penelope Pauley discuss. If you want to live the life of your dreams, you cannot go wrong with this book. Buy this book today and start using it!!!

I also recommend that you get Marc Allen's "The Millionaire Course", "Goals" by Brian Tracy, and "Dynamic Laws of Prosperity" by Catherine Ponder.

3-0 out of 5 stars Positive Thinking, Written Goals, Tithing.
If you're a veteran reader of self-help books, you'll recognize most of what you read in "Im Rich Beyond...".

The authors mix their personal story with how-to's for attaining all you desire in life.

Their message is, basically, this: use positive thinking (the affirmation "I'm Rich Beyond my Wildest Dreams" sung to a familiar tune, for example), written goals (they advise that you make lots of lists of the things you want --in 79 cent notebooks--) and Tithe.

The tithing part (along with those 79 cent notebooks) seem to be a particularly important part of the process.

Did I mention that the authors have a website where their e-books and other products are sold?

In any case, as I said, you won't find much new here. But the writing isn't too bad, and, as long as you don't buy cartons of notebooks (or spend too much time at their website), you could spend your money on worse books than this one. Thus, the three star rating.

However, for a really great book on manifesting what you want, try "Write It Down, Make It Happen." The author of that one has no website, and sells nothing else that I know of. She just outlines this system of ASKING THE UNIVERSE FOR WHAT YOU WANT in a way that contains less marketing.

Reviewer: Linda Painchaud Steinman

5-0 out of 5 stars A Simple Formula That Works
I've read a ton of self help books. All of them offer some good advice, and they often repeat themselves. This book also contains ideas I've read before - but it takes all the new agey melodrama out of the formula. The author gives specifics about what to do to increase your money flow, and doesn't apologize for wanting to "be rich beyond his wildest dreams." I found that refreshing. He calls money what it is: something to have an awful lot of fun with, and also something God given. I was amused to read his comment that this system would work whether you believed in it or not. Well, he's not kidding! I had a "yeah - whatever!" attitude when I started. But after I tried his suggestions, my income started to increase in surprizing ways. I still refer to it often. I recommend it! And check out his website. It's also helpful.

5-0 out of 5 stars This book works!!
I have been following this books for about 2 years now and It works...If you do what Tom Pauley says, great things will happen.

What he says in the book is right.

I gave this book to several of my friends at work. Most of them didn't bother reading it. But one did and great things are happening in her life as well.

If you believe, you can achieve! Should be one of the subtitles for this book because it does work.

If you need specifics, just ask and I will tell you what I specifically wished for and what I received!

5-0 out of 5 stars Great Book!
I found this book to be a page-turner. I could not put this book down! Thomas Pauley is a true source of inspiration and motivation for me.

The principles in the book are timeless. They are all classic self-help stuff. But his style of writing is really unique. Phenomenal.

Another thing I really like about this book is that it is written by a person who has a strong faith in God, yet doesn't push any specific religion onto your face.

Zev Saftlas, Author of Motivation That Works: How to Get Motivated and Stay Motivated ... Read more


16. Millionaire Women Next Door: The Many Journeys of Successful American Businesswomen
by Thomas J. Stanley
list price: $28.95
our price: $19.11
(price subject to change: see help)
Asin: 0740745328
Catlog: Book (2004-05-01)
Publisher: Andrews McMeel Publishing
Sales Rank: 3575
Average Customer Review: 4.08 out of 5 stars
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Book Description

Eight years ago, Dr. Thomas J. Stanley swept aside the mythical magic curtain of wealth to reveal The Millionaire Next Door. America found out just who and how common the truly wealthy were in this country¨and we learned the characteristics and habits that made them so. Now the author of the follow-up The Millionaire Mind focuses on one of the least understood but increasingly rich demographics: Millionaire Women Next Door.¨Why write another book that profiles millionaires?¨ Stanley asks. ¨The vast majority of the millionaire respondents (92 percent) in The Millionaire Next Door were men. . . . I felt that it was indeed time for successful businesswomen of the self-made variety to be heard.¨ And heard they are in this book that is destined to become every bit as informative, quoted, and inspirational as the author¨s earlier works. Readers everywhere will be fascinated by Stanley¨s thoroughly researched findings and conclusions. More than a simple extension of his studies of male millionaires, Millionaire Women Next Door presents groundbreaking concepts involving the nature, lifestyle, and business choices of successful American women that reach far beyond the scope of the author¨s previous studies. The book examines the choice of businesses elected by self-employed women, ranking over 150 categories in terms of their profitability and probability of success. It also describes the women¨s background, highlighting the fact that most millionaire women were raised in nurturing family environments that were literally training grounds for success, instilling the values that make this group one of the most generous in American society as demonstrated by its level of giving to charities, family, and friends. While many characteristics such as frugality and simplicity of lifestyle are similar to those of their male counterparts, Stanley demonstrates that most millionaire women work harder and do better¨at school, in business, and in investment practices. Millionaire Women is sure to be one of the most read, reviewed, and discussed books to come out this year. Make your own wise investment for a wealth of solid sales. ... Read more

Reviews (12)

5-0 out of 5 stars And now The Millionaire Women Next Door
I bought this book for my wife over two weeks ago at our local Borders. Having been a fan of Stanley & Danko's first great work, The Millionaire Next Door I was anxious to see this new version for the female gender.

I was not dissappointed. Millionaire Women Next Door profiles the most successful women. It shows the businesses they got into and how they achieved their great wealth.

While I know Mothers day is over, guys, I highly recommend this book for your wives or significant other in your life. Let thme see how great wealth is achieved by the gentler gender.

5-0 out of 5 stars Hopeful, helpful, and riveting book
If you're a woman who didn't quite see yourself in The Millionaire Next Door, there's hope. Women are different than male millionaires in several important ways. For example, the typical male millionaire has married once and remains married, but over half of female millionaires have been divorced. Women are also more generous than men.

The book mainly talks about business owners becoming wealthy, but it also talks about alternatives to business ownership. Stanley profiles a star saleswoman, educators (a wealthier group than you realize), and stay-at-home women who act as managers of their "family office". He also discusses parenting your children so they can develop a millionaire mindset. Many situations are presented in this book, so you can probably find something that will apply to you.

As for helpful advice, the author points out cautions women need to consider. Women need to watch out for the "Marginal Bob" worthless first husbands. Women also often provide continued financial support to their grown children and grandchildren. This "economic outpatient care" hurts both parents and children.

I enjoyed reading this book. It was well written and thoroughly researched. I will buy more copies for graduation gifts.

5-0 out of 5 stars Did you really read the book 1 star reviewer
When I read reviews like the one that precedes mine and says that this bookis just a rehash of Dr. Stanleys earlier work, I have to wonder why people post reviews who obviously never read the book.

But upon checking reviews on The Millionaire Mind, I couldn't help but notice the same nonsense that The Millionaire Mind was supposedly the same as The Millionaire Next Door. And then upon reading some reviews on The Millionaire Next Door, people were comparing that book to books written by other authors.

I guess the millions of copies that were sold were purchased by people who must be extremely ignorant and naive right? WRONG! DEAD WRONG!

Each one of Sr. Stanleys book's are different. The fact that this book is titled Millionaire Women Next Door should be a hint that this book is different. As a female, I am glad that Dr. Stanley decided to profile the many millionaire women out there. In fact, it's past due time for the female sect to get ample recocgnition for our accomplishments.

And let's not forget that it was and still is more difficult for females to move ahead in corporate America than their male counterparts, even if the females do have better skills. Fortunately, that trend is slowly changing.

Men and women are different. Comparing this book to The Millionaire Next Door which profiled the men is like a doctor giving medication for male sexual disorders to a female.

I am glad that Dr. Stanley wrote this book and grateful that he has given the female sect the recocnition and praise they deserve. To me, this book is an inspiration to achieve in a world dominated primarily by the male sect. Dr. Stanleys great work gives hope and purpose for females who feel overshadowed by the men. It also shows that female gender can kick butt in the business and financial world and in many cases, far outperform men.

Millionaire Women shows the mental makeup as well as other factors that enabled females to achieve great financial success. Dr. Stanley, I applaud you for this work. 1 star reviewer, try reading the book before writing a review and get a life!

2-0 out of 5 stars Rehashed Bestseller
If you enjoyed , The Millionaire Next Door, skip this book ! This new book, " Millionaire Women" is a rehashed version of the first book. It is written to answer the question, " How are female millionaires different from male millionaires ? ". It gives tidbits about how much more men spend on shoes then women, etc. It would be an interesting magazine article but there is not enough new information to warrant a new book. I was left wondering if the author signed a multi book contract after the success of "The Millionaire Next Door".
The worst chapter has to be the one on part time workers. The two people profiled ( one male, one female ) both own rental real estate. Dr. Stanley gushes that they "... make money even while they sleep !". This chapter reads like a script from a late night info-mercial ! It doesn't cover any of the practicalites of purchasing a rental, finding tenants, legal problems, maintenace issues or what to do if the tenants don't pay the rent. If you believe the description of being a landlord in this book, you will believe that you work less then 20 hours a week and due nothing more then deposit checks.
Another disappointment was the chapter on Stay at Home Moms. The author calls these, Family Office Managers. They are frugal with their spending and invest on a regular basis to accure wealth over time. The chapter was disappointing because it was only 8 pages long and includes a long letter from a woman who created family wealth this way but must give all of the credit to her husband.
If you have never read anything by Dr. Stanley on this topic, It is well worth your time to read one of his books. In our "Spend, Spend, Spend" culture, it is important to know that everyday people create wealth thru a frugal lifestyle and investing. They invest in stocks, bonds, real estate or their own business. They do not get rich over night. They do not have flashy cars, clothing, homes etc. They live a middle class lifestyle and keep their wealth to themselves. They donate to worthy causes, help their families and have financial security in their retirement years.
It is interesting to note that many of the folks he interviewed for this book had read " The Millionaire Next Door". They admitted to checking it out from the library and not buying it. They are too frugal for that !

5-0 out of 5 stars Outstanding book - Hooray for the wealthy women!
This is vintage Dr. Stanley. Thoroughly researched and accurate. I suspect that the 1 star reviews and unhelpful votes are from men who are jealous of the opposite, but very wealthy and successful gender.

Thank you Dr. Stanley for pointing out that so many women have outperformed men. It's about time. Hooray for the Millionaire Women! ... Read more


17. Asset Allocation: Balancing Financial Risk
by Roger C. Gibson
list price: $55.00
our price: $34.65
(price subject to change: see help)
Asin: 0071357246
Catlog: Book (2000-08-01)
Publisher: McGraw-Hill
Sales Rank: 13904
Average Customer Review: 4.3 out of 5 stars
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Book Description

Financial experts agree: Asset allocation is the key strategies for maintaining a consistent yet superior rate of investment return. Now, Roger Gibson's Asset Allocation - the bestselling reference book on this popular subject for a decade has been updated to keep pace with the latest developments and findings. This Third Edition provides step-by-step strategies for implementing asset allocation in a high return/low risk portfolio, educating financial planning clients on the solid logic behind asset allocation, and more. ... Read more

Reviews (10)

5-0 out of 5 stars What your investment advisor should be doing.
There are many things to like about this book. The emphasis is on providing investment advisors with the information on asset allocation they need to connect successfully with clients. The only real flaw I see in the book is the watering down of material so that clients can understand it. I understand the necessity of doing this but it does leave open the door for dishonesty of the car salesman variety. Every investor even comtemplating using an investment advisor or even a broker should read this book from cover to cover. If he/she hears anything from the selected advisor that deviates much at all from what is here he/she should run not walk out the door. Perhaps the most important contribution of the book is the emphasis on the interaction of portfolio components to produce higher returns than undiversified or underdiversified portfolios. Gibson uses the Commodities Index as one of the portfolio components along with the EAFE, S&P 500, and REITs to show this. This index component is available in practical form as the Oppenheimer Real Assets fund. If you have net investment assets that allow private money management this is not a problem as the money management firm can buy more than 1 million dollars worth and distribute it among the clients. If you do not qualify for a typical money management firm the mutual fund charges a 5.75% load thereby making rebalancing something of a problem. Perhaps infrequent rebalancing would work. Therein lies the problem with the book. Even though Gibson is as honest as the day is long, the information presented is designed to handle the clients expectations and fears. All kinds of techniques and information are presented most of it assuming very little brains from the people who made all that money ( all of whom we would normally be assured are brilliant not just at making money but in all aspects of their lives ). A,B,C,D are all presented but when portfolio design time comes E is recommended and not just due to tailoring to the individuals needs or risk tolerance. Gibson tells the reader that it is necessary to manage the clients expectations and to make the portfolio more like that of the clients friends or more in keeping with clients prior expectations and thereby more acceptable. This may be true. But Berstein does the same thing in The Intelligent Asset Allocator. His reasoning is a little different:many of the models primarily rely on data mining or make certain assumptions and he believes in the use of index funds almost exclusively. So Bersteins portfolios also rely a great deal on judgement. Both believe that tracking error from the S&P 500 may be an issue. When all is said and done this is very much an art form. It is also very much a sales technique albeit an important one. Nevertheless, both this book and The Intelligent Asset Allocator are required reading for any serious investor. Gibson's book also has the best discussion of client risk assessment I have seen.

5-0 out of 5 stars Good jumping off point.
I found this books very useful. I've been trying to find an intelligent investing style. Read things like "The Intelligent Investor" by Graham and "A Random Walk Down Wall St." by Malkiel and found them dry and somewhat inaccessible. I much prefered Evans and Malkiel's "Earn More (Sleep Better) : The Index Fund Solution" (cheesy title) and Bernstein's "The Intelligent Asset Allocator". Both small and intelligible books. The only problem is they seemed to state the solution to a problem I didn't know. That's where Gibson's "Asset Allocation" I think fits in. It describes what the problem is when trying to invest well. He makes very good arguments on what you can expect and what you'll have to understand. Things that Berstein and Malkiel go into more depth but Gibson gives you the big picture. I started looking for the solution to a problem and found that the last piece I need was to know what the problem was. Gibson's book reads fast and it is interesting. It's well illustrated and is a great jump off point to all sort of other books.

5-0 out of 5 stars 5 Stars
If you read just one book on investing, this is the book.

Gibson explains the principals of modern portfolio theory in a clear logical fashion.

Excellent.

4-0 out of 5 stars Definitely recommended reading
If I had read this book in the mid-90s as I was groping through the stock market, and feeling thrilled at my success.. I would have probably preserved that thrill a little longer. I could have avoided getting burnt for sure.

A mandatory reading for people who are looking at long-term investing. Chapters 6, 7 & 8 deal with portolio diversification and are relvant and insightful. I found it to be a very useful education and not-too-difficult to follow (but then I have taken finance and accounting classes in school).

The other title along similar lines is "The Intelligent Asset Allocator" and this one has a good correlation tables across all major asset classes on a quarterly and annual basis. very useful and practical piece of information that is missing here.

But there are enough other useful and helpful pieces of information. Overall, definitely a thumbs up.

5-0 out of 5 stars Buy this if you like making money
I don't think you'll find better advice.

If you would have followed this books "ABCD" allocation, you would have made almost all the gain of the 90's and even been slightly up thru the disaster of the 00's. Better than down 48% for the SP500 eh?

Your broker will hate you if you buy this book, but then maybe that's the best thing that could happen. Stop pretending you can predict the future and start managing your risk. ... Read more


18. The Soul of Money: Transforming Your Relationship with Money and Life
by Lynne Twist
list price: $25.95
our price: $17.13
(price subject to change: see help)
Asin: 0393050971
Catlog: Book (2003-09)
Publisher: W.W. Norton & Company
Sales Rank: 5451
Average Customer Review: 5 out of 5 stars
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Book Description

A wise and inspiring exploration of the connection between money and leading a fulfilling life.

This compelling and fundamentally liberating book shows us that examining our attitudes toward money—earning it, spending it, and giving it away—can offer surprising insight into our lives, our values, and the essence of prosperity.

Lynne Twist is a global activist and fund-raiser who has raised more than $150 million in individual contributions for charitable causes. Through personal stories and practical advice, she demonstrates how we can replace feelings of scarcity, guilt, and burden with experiences of sufficiency, freedom, and purpose. She shares from her own life, a journey illuminated by remarkable encounters with the richest and poorest people on earth, from the famous (Mother Teresa and the Dalai Lama) to the anonymous but unforgettable heroes of everyday life. ... Read more

Reviews (14)

5-0 out of 5 stars A thoughtful exploration of our relationship with money
In this book, Lynne Twist explores the relationship that people - rich, poor and in between - have with money. For many of us, it is a relationship fraught with anxiety and the sense of scarcity. No matter how much we have, or how many things we've bought with it, there's not enough.

But through her globe-spanning experiences, Ms. Twist has found ways to replace a sense of scarcity with a more-positive understanding of sufficiency and the freedom that awareness provides.

No matter what your personal financial situation, this book will be meaningful, helpful and perhaps even inspiring. Well-written and fascinating, beginning to end.

5-0 out of 5 stars The Soul of Lynne Twist
Rusty Schweikart was the first man to walk in space. He had been tightly scheduled with activities each moment he was floating outside the command module in the late 60's. But at one point his camera jammed, and he was able to experience just being in space and circling the earth. Many of you may have seen the video he made from this remarkable experience called "No Frames No Boundaries."

It took Rusty many years to digest and integrate this planetary experience and to realize the responsibilities he felt to mankind for the privilege he had been given. He came to call himself "a sensing element for mankind" (to know more about Rusty, his life and work  http://www.well.com/~rs/ ).

When I read "The Soul of Money: Transforming Your Relationship to Money and Life," I found that Lynne herself is also such a sensing element for mankind.

She worked for several decades as the chief fundraiser (she's raised $150 million from individuals) for the Hunger Project, which has been a revolutionary effort far beyond what some of us may remember it for in its beginnings. In that role her travels have taken her all over the world--from Bangladesh to Ethiopia, from the Women's Conference in Bejing (where she reports some of the most poignant and heartbreaking stories you'll ever read) to South Africa and the installation of Nelson Mandela, although that story is not included.

Lynne has been with the rich and famous. One of her great stories is her returning a $50,000 check from a corporate CEO because she realized it was guilt money. Read the book to find out what happened next! And, of course, she has been with the poor and apparently downtrodden. They have been her great teachers and inspiration for this book. They taught her how money can be blessed, how when it comes from love, appreciation, and intention--from the soul--it has power, it flows and it can transform lives.

Where she has been on this planet, what she has seen, and how she has thought about it and integrated it into the soul of her being is the gift she gives back to us, her readers. Very few of us have had the opportunity to go where she has gone, to meet whom she has met, and to have contributed as much as she and her colleagues have to helping to end hunger and poverty on our fragile, blue orb, as Rusty first saw it.

Lynne offers great guidance about how we can each be and be better philanthropists (the amount doesn't matter, but the intention and commitment surely do). But the core of the book (which many of us may already know) is a transformation from a "you or me" world to a "you and me." one. Buckminster Fuller first articulated that as the necessary condition we are challenged to make on spaceship Earth (also his articulation). He was someone who profoundly influenced Lynne.

She leads us through the belief systems around scarcity (fear of not enough, push to always get more, resignation that it's just the way it is) to belief systems around sufficiency (there is always enough; turn our attention and appreciation to what we already have). Sufficiency becomes a more useful word than abundance. Creating a world of sufficiency (includes sustainability) is where we are headed together.

The most compelling parts of the book are the stories she tells from around the planet about actually ending hunger and poverty. She shows that this change of belief systems (we actually do have enough most of the time; we can focus on and appreciate what we already have to get to where we want to go) along with love, understanding, and effective facilitation can get the job done. "The Soul of Money" adds the interior dimensions as a vital and necessary component to solutions to hunger and poverty.

Lynne is herself a gifted and expert facilitator, and at the personal level the stories she shares of people who pull themselves out of poverty and lack are equally riveting. She concludes with a remarkable narrative about the last months of life of her mother, her first role model as a fundraiser and philanthropist. How Lynne assists her mother to fully complete her life is a wonderful offering to all of us with aging parents.

"The Soul of Money" is about far more than just the soul of money. Lynne reveals her own soul, the souls of the rich and the poor, and the collective soul of which we all partake that holds the promise of a sufficient, just, and more peaceful planet. Just as Rusty Scheweikart took us around the whole earth from the outside, Lynne, gives us many inside views of the beauty and commonality which we share. She provides an outstanding, authentic, and worthy ride!

--John Steiner

5-0 out of 5 stars I love this book
To read The Soul of Money is to sit down and have a memorable, life-altering conversation with an extraordinary, courageous, deeply thoughtful and committed soul. Lynne speaks intimately and passionately from each page. The book does a beautiful job of untangling the mess in which almost all of us have learned about money, and then offers important opportunities and challenges to each of us about ways to enrich our lives and those of all around us.

5-0 out of 5 stars This book can help us change the soul of our nation/world
The Soul of Money is fully worth the praise it is getting and far more. Rooted in sufficiency and backed by moving stories situated throughout the world, this book will inspire you, enlighten you, give you hope, and certainly will make you cry.

If this book can help those of us who have been siting on the fence looking for the motivation to invest our souls in the transformation of this world, join those who are engaged in this effort, I believe that we truly can change the world. I believe that Lynn's message is one to help move all of us into activism, whether it is quiet or out there.

My personal commitment is to engage. Lynne asked me at her book signing during a conversation if I had invested in the Pachamama Alliance. I had been taking the newsletter but did not believe I was in a position to participate. I had to say no and I felt small knowing that I could have but did not participate. Oh I had my excuses, many of us do. I made a commitment to invest and I did. First a small donation to the Pachamama Alliance; then a visit to the adoption agency from which I was blessed with my little girl from India; next calls to NGO's working in the Telangana in India looking for ways to donate my time; and finally a commitment to bring Lynne to Yamhill County Oregon for a fundraiser, workshop and a book signing.

Yes I am moving out of my comfort zone of non-action and it is based on Lynne and her inspiring message. Please read this book, yes, but more than that, please join me in taking action to transform our nation and world.

Thank you Lynne for your great work though out the world and for funneling your experiences and insights into this great book.

5-0 out of 5 stars Raise your money consciousness
Most of us think that we understand the facts of money: money is good, lack of money is bad; having more money is better than having less money; competition and scarcity are normal because it's a jungle out there; the way to cure economic depression and hunger is to throw more money at the problem; and so on. But these aren't "facts" in the sense of objective realities; rather, they stem from attitudes towards money that are so ingrained in our culture that they rarely intrude into our consciousness.

This book is an eye-opener: as a highly successful fund-raiser and representative for the Hunger Project, Lynne Twist has worked with everyone from Amazon tribal members to CEOs of multi-billion-dollar corporations. Her sensitivity and willingness to listen have given her insight into the real-life consequences of our attitudes towards money (and resources in general). The money consciousness that she propounds in this book is transformative, but it's based on a breadth of experience that makes her conclusions convincing -- for instance, she's worked in real jungles, and the "law of the jungle" is NOT the way they actually operate!

Despite the many well-chosen anecdotes, this book deals primarily in generalizations. But that's appropriate: the author's purpose is to make us aware of our attitudes towards money, and suggest how changing these attitudes can transform the way we go about solving some of the world's most vexing problems. This book deserves not only to be read, but taken to heart. ... Read more


19. Fast Cash: How I Made a Fortune Buying Notes
by Lorelei Stevens
list price: $19.95
our price: $19.95
(price subject to change: see help)
Asin: 0936783397
Catlog: Book (2004-06)
Publisher: Merril Press
Sales Rank: 68788
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Book Description

This intriguing book is not just another get-rich-quick scheme: the Fast Cash is what you pay, not what you get!

And what you pay Fast Cash for is notes—valuable and legally binding promises to pay, secured by real estate, and bought at a discount.

Then you collect the full amount of the note, usually in monthly payments, and earn a handsome profit.

Lorelei Stevens is one of America’s premier career note buyers. In the pages of Fast Cash she immerses you in the business through absorbing stories of how it’s really done, one note at a time.

The unexpected result is a masterpiece of human interest writing. It follows the dreams and despair of people who’ve sold their real estate, financed the sale with a note, and later found themselves in need of fast cash.

That’s where the note buyer steps in—and that’s where you step into Lorelei Stevens’ fascinating world of Fast Cash. ... Read more


20. Foundations of Financial Management, 10th Edition: Self-Study Software CD-ROM + Powerweb + FREE SG
by Stanley B. Block, Geoffrey A. Hirt
list price: $123.12
our price: $123.12
(price subject to change: see help)
Asin: 0072837365
Catlog: Book (2002-05-08)
Publisher: McGraw-Hill/Irwin
Sales Rank: 132870
Average Customer Review: 4.14 out of 5 stars
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Book Description

Overview: Foundations of Financial Management is a proven and successful text recognized for its excellent writing style and step-by-step explanations to make the content relevant and easy to understand.The text's approach focuses on the "nuts and bolts" of finance with clear and thorough treatment of concepts and applications.There is a strong real-world emphasis presented throughout.This edition represents the 25th anniversary of the text.Through 25 years, this text has definitely stood the test of time due to the authors' commitment to quality revisions.Block and Hirt know what works and what doesn't work for students, and they have consistently maintained a high quality textbook that is responsive to the demands of the marketplace.This edition is no exception. ... Read more

Reviews (7)

5-0 out of 5 stars Foundations of Financial Management, 10th Edition
Delivery was terrific. I received the book 6 days after I ordered it and it's brand new!

5-0 out of 5 stars Excellent Finance Starter
This book is very easy to follow and serves as a good reference for more advanced finance classes.

4-0 out of 5 stars Very Good, But Not Excellent
As an undergrad taking his first finance class, I have have found this book to be quite useful. The concepts are explained in simplified, less-complicated ways and make reading each chapter less frustrating than perhaps some others (compared to some of the econ texts that I have had to use!).

It is well-written, concise, and employs some very straightforward, easy-to-follow graphs/diagrams. Also, both the formulas and the exercises at the end of each chapter are quite useful.

The only reason that I did not give it a 5-star rating is because some of the chapters did not use enough "real-world examples" or hypothetical situations in some of the more challenging lessons. This might better aid those students who are new to finance or simply need another angle to better grasp the idea.

5-0 out of 5 stars A comprehensive, well-written finance textbook
This text is characterized by its extreme simplicty in explanation and presentation of its material. The flow of presenting the contents of each chapter is so sequentially logical that it makes the reader grasp the financial concepts very fast and effectively. Colorful illustrative diagrams are employed extensively to facilitate a high level of understanding and help the learner develop the necessary conceptual links between inter-related topics and items. In addition, it is very comprehensive and intensely supported with a "luggage" of real-life cases .I recommend this excellent text to everyone who needs to take an introductory course in corporate finance.

5-0 out of 5 stars Great Book
When it comes to Principles of Finance textbooks, readers have many options from which to choose. I've read dozens of finance textbooks and have yet to find one that tops Block & Hirt. This book is written at a level that anyone can understand and still provides a depth of coverage sufficient for a complete understanding of the discipline at an "undergraduate" level. I particularly enjoy the "balance sheet" approach taken by the authors, which is a direct contrast to many of the competing textbooks. I also appreciate the consideration given to working capital issues; a topic frequently neglected or pushed aside by other textbooks.

The examples are easy to follow, and the authors provide extensive summary and practice problems for readers to test their understanding. I've taught from a number of textbooks and have found this book to be the one that students respond to best. As is true for many disciplines, those who are unwilling to actually "read" the book or put forth any effort will struggle mightly with this material. In such a case, the fault does not lie with this particular book. ... Read more


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