Best Credit Ratings & Repair
Hey, if you’re tired of the lies and sick of the false promises, take a look at this—it’s the simplest, most straightforward game plan for completely making over your money habits. Design a sure-fire plan for paying off all debt—meaning cars, houses, everything Recognize the 10 most dangerous money myths (these will kill you) Secure a big, fat nest egg for emergencies and retirement! He first exhorts the reader to take "baby steps," which are designed to build on each other: first, save $1,000 as an emergency fund; then, pay off all debts from smallest to largest; save a larger three-to-six-month emergency fund; finally, start to save for college and pay off your home mortgage. So states Ramsey, author and radio show host, offering a comprehensive plan to get out of debt and achieve financial fitness. His seven-step plan includes paying off all debts except the home mortgage at an accelerated speed, creating a financial safety net that covers three to six months' expenses, investing 15 percent of income in a retirement fund, and saving for children's college expenses.
Reviews
Find Best Price at Amazon"The baby steps are pretty straightforward: Baby Step 1 – $1,000 to start an Emergency Fund - you'll find this way easier than you expect to. Baby Step 3 – 3 to 6 months of expenses in savings. Baby Step 4 – Invest 15% of household income into Roth IRAs and pre-tax retirement. Baby Step 5 – College funding for children. Baby Step 6 – Pay off home early. Baby Step 7 – Build wealth and give. The rules are simple: 1) Live and breathe by your budget."
"In 4 months, I paid off my car loan, all credit cards and doctor bills!!!"
"* He lays out his seven Baby Steps and makes them simple to understand. * I really liked the quote, "If you worked for a company called YOU Inc. and you managed money at YOU Inc. the way you manage your own money now, would you fire you?" Dave Ramsey is rich because he is a business owner who can make money from his radio show, books, seminars, programs, etc. It would have been great to get his advice on that, but he probably didn't want to overwhelm the reader with too many topics. College loans can be very appropriate for some people, business loans can be great in the right situation, and his statement that you should put money toward paying down debt rather than getting the company 401(k) match seemed too extreme to me. goals or having an accountability partner, which have been shown to greatly help people achieve all kinds of dreams."
"My daughter had lifted herself out of debt, and has been doing everything as planned."
"This book has been adopted for the South African situation, but needs to be extended to other parts of Africa."
"We are currently on Dave Ramsey’s plan and have a clearly mapped plan to get out of debt."
"On Time, As described, What more could you ask?"
"Great book."
Mortgage Rip-offs and Money Savers reveals how the mortgage industry cheats borrowers out of billions in extra costs every year. There are many excellent "how to get a mortgage" books, but this one is vastly different, because it reveals the insider secrets even many mortgage professionals don't know. -- Robert J. Bruss, Inman News, July 10, 2007 Mortgage Rip-offs and Money Savers reveals how the mortgage industry cheats borrowers out of billions in extra costs every year.
Reviews
Find Best Price at Amazon"Signing your name on the dotted line and agreeing to borrow large sums of money is daunting and intimidating. When you consider the tens of thousands of dollars that you could save yourself, buying Carolyn Warren's book is without question one of the best decisions you could make before purchasing or refinancing a home."
"I recently decided to refinance my home and read four different books to learn all I could before doing so. Because of the method outlined in this book for loan shopping, I was able to lock in at an extremely low rate for my refinance. If it wasn't for this book I know I would have NEVER been able to get the rate I currently have."
"After surfing the Internet and finding a fair amount of helpful information, I found excerpts of Carolyn's book on Amazon and knew I wanted it as my refi partner. Even though I used the info as a refinance reference (Part II of the book), the first sections still spoke to me ("Bait and Switch-Determining Whether You've Been Duped," "Tricks at Signing," "Surprise Prepayment Penalty...")."
"Everything in the book she mention of how the loan officer will react to questions is true. I recomend this book for anyone getting the a mortgage loan to read this book first."
"Since then a lot of things in mortgage industry have changed --some of those big mortgage loaners are nonexistent today and mortgage rules and forms have changed."
"I sent her an email on my good faith estimate and she responded within a day and provided "free" advise and recommended a loan officer that I can speak with."
This is a straightforward budget planning method that will completely transform your finances, and eliminate your money worries once and for all. Grady Harp. (Hall of Fame, Amazon Top 100 Reviewer, Vine Voice). " This is the rarest of all rarities - a really good ebook on personal finance. ". "Avery Breyer's self-help guide to consumer finances... is filled with great ideasfor getting out of a financial rut . I found her reasons for setting up a budget to be compelling and was impressed by the Money Tracker program she includes with the book... Avery Breyer is the best-selling author of the Smart Money Blueprint Series.Avery has been quoted on/in Woman's World magazine, Time.com, Fool.com (Motley Fool), MSN Money, GoBanking Rates, and featured as a guest on WOR 710 "The Voice of New York," on The Financial Quarterback , hosted by Josh Jalinski.
Reviews
Find Best Price at Amazon"How you manage your money (however much or little it may be) affects every aspect of your life - your physical and emotional well-being, your relationships, what hobbies you can pursue and where you can live. Don't make the mistake of thinking that you can avoid taking control of your spending by simply getting a job that pays more. It's a wonderfully readable combination of advice, fascinating examples, and moral support. It's like sitting down with that favorite aunt or uncle (or grandparent) who understands that people make mistakes and who believes in your ability to turn things around."
"I bought this for myself."
"But if you don't know what the basics is, then read this book."
"I thoroughly enjoyed this book."
"I liked the plan a b c approach as we all know that even with the best intentions getting to our financial goals don't always go to plan."
"Avery Breyer uses a step by step systematic approach to the discipline of MONEY..."
"Really found this helpful and if you want simple tips to work with a budget - this is for you!"
Best Credit Ratings & Repair
Hey, if you’re tired of the lies and sick of the false promises, take a look at this—it’s the simplest, most straightforward game plan for completely making over your money habits. Design a sure-fire plan for paying off all debt—meaning cars, houses, everything Recognize the 10 most dangerous money myths (these will kill you) Secure a big, fat nest egg for emergencies and retirement! His seven-step plan includes paying off all debts except the home mortgage at an accelerated speed, creating a financial safety net that covers three to six months' expenses, investing 15 percent of income in a retirement fund, and saving for children's college expenses.
Reviews
Find Best Price at Amazon"The baby steps are pretty straightforward: Baby Step 1 – $1,000 to start an Emergency Fund - you'll find this way easier than you expect to. Baby Step 3 – 3 to 6 months of expenses in savings. Baby Step 4 – Invest 15% of household income into Roth IRAs and pre-tax retirement. Baby Step 5 – College funding for children. Baby Step 6 – Pay off home early. Baby Step 7 – Build wealth and give. The rules are simple: 1) Live and breathe by your budget."
"In 4 months, I paid off my car loan, all credit cards and doctor bills!!!"
"* He lays out his seven Baby Steps and makes them simple to understand. * I really liked the quote, "If you worked for a company called YOU Inc. and you managed money at YOU Inc. the way you manage your own money now, would you fire you?" Dave Ramsey is rich because he is a business owner who can make money from his radio show, books, seminars, programs, etc. It would have been great to get his advice on that, but he probably didn't want to overwhelm the reader with too many topics. College loans can be very appropriate for some people, business loans can be great in the right situation, and his statement that you should put money toward paying down debt rather than getting the company 401(k) match seemed too extreme to me. goals or having an accountability partner, which have been shown to greatly help people achieve all kinds of dreams."
"This book has been adopted for the South African situation, but needs to be extended to other parts of Africa."
"This book is fantastic."
"A must read for all high school and college aged persons."
"If this book doesn’t make you want to change your financial life than you don’t like following simple easy to use steps."
"Just as described and very fast shipping, thank you!!"
Best Personal Money Management
Hey, if you’re tired of the lies and sick of the false promises, take a look at this—it’s the simplest, most straightforward game plan for completely making over your money habits. Design a sure-fire plan for paying off all debt—meaning cars, houses, everything Recognize the 10 most dangerous money myths (these will kill you) Secure a big, fat nest egg for emergencies and retirement! He first exhorts the reader to take "baby steps," which are designed to build on each other: first, save $1,000 as an emergency fund; then, pay off all debts from smallest to largest; save a larger three-to-six-month emergency fund; finally, start to save for college and pay off your home mortgage. So states Ramsey, author and radio show host, offering a comprehensive plan to get out of debt and achieve financial fitness. His seven-step plan includes paying off all debts except the home mortgage at an accelerated speed, creating a financial safety net that covers three to six months' expenses, investing 15 percent of income in a retirement fund, and saving for children's college expenses.
Reviews
Find Best Price at Amazon"The baby steps are pretty straightforward: Baby Step 1 – $1,000 to start an Emergency Fund - you'll find this way easier than you expect to. Baby Step 3 – 3 to 6 months of expenses in savings. Baby Step 4 – Invest 15% of household income into Roth IRAs and pre-tax retirement. Baby Step 5 – College funding for children. Baby Step 6 – Pay off home early. Baby Step 7 – Build wealth and give. The rules are simple: 1) Live and breathe by your budget."
"In 4 months, I paid off my car loan, all credit cards and doctor bills!!!"
"* He lays out his seven Baby Steps and makes them simple to understand. * I really liked the quote, "If you worked for a company called YOU Inc. and you managed money at YOU Inc. the way you manage your own money now, would you fire you?" Dave Ramsey is rich because he is a business owner who can make money from his radio show, books, seminars, programs, etc. It would have been great to get his advice on that, but he probably didn't want to overwhelm the reader with too many topics. College loans can be very appropriate for some people, business loans can be great in the right situation, and his statement that you should put money toward paying down debt rather than getting the company 401(k) match seemed too extreme to me. goals or having an accountability partner, which have been shown to greatly help people achieve all kinds of dreams."
"This book has been adopted for the South African situation, but needs to be extended to other parts of Africa."
"This book is fantastic."
"A must read for all high school and college aged persons."
"If this book doesn’t make you want to change your financial life than you don’t like following simple easy to use steps."
"Just as described and very fast shipping, thank you!!"
Best Retirement Planning
“In the dark, bewildering, trap-infested jungle of misinformation and opaque riddles that is the world of investment, JL Collins is the fatherly wizard on the side of the path, offering a simple map, warm words of encouragement and the tools to forge your way through with confidence. You'll never find a wiser advisor with a bigger heart.” -- Malachi Rempen: Filmmaker, cartoonist, author and self-described ruffian. This book grew out of a series of letters to my daughter concerning various things—mostly about money and investing—she was not yet quite ready to hear. Since money is the single most powerful tool we have for navigating this complex world we’ve created, understanding it is critical. Bridges to build, diseases to cure, treaties to negotiate, mountains to climb, technologies to create, children to teach, businesses to run. Here’s an important truth: Complex investments exist only to profit those who create and sell them. TRFs (Target Retirement Funds), HSAs (Health Savings Accounts) and RMDs (Required Minimum Distributions). And powerful.”. “…effective message told in a visual, funny style.”. “…a refreshingly unique and approachable take on investing.”. “JL Collins has the gift of making boring financial concepts funny and interesting.”. “Instead of esoteric equations about measuring a stock's alpha and comparing it to its beta, he lights up the campfire and starts telling stories.”. I started selling flyswatters door-to-door and picking up empty pop bottles from the side of the road for the 2-cent deposit. Mail clerk, tree-trimmer, landscaper, ad agency founder, account executive, ad space salesman, investment officer, entrepreneur, consultant, sales trainer, speaker, writer, radio talk show host and magazine publisher. But I’ve had the good fortune to see a bit of the planet on my own: Mexico, Canada, Ireland, Wales, England, Greece, Crete, Puerto Rico, Tahiti, Venezuela, Curacao, Scotland, Italy, Germany, Spain, Paris, India, Kashmir, Goa, Nepal, Zanzibar, Tanzania, Eleuthera, St. Thomas, St. Martin, Barbados, Antigua, Martinique, Ecuador, Perú, Bolivia, Chile, Prague, Guatemala, Galápagos. I’ve traveled by plane, train, bus, boat, subway, taxi, hired car, motorcycle, bicycle, rickshaw, hitch-hiking, foot, horse, donkey and elephant. Here’s my favorite cartoon: The visual is two guys in a corn field, up on racks dressed in shabby clothes. Our daughter Jessica graduated Summa Cum Laude from the University of Rhode Island.
Reviews
Find Best Price at Amazon"I support self-published financial authors because the traditional publishers deploy editors to tweak the author’s voice, and original story, to make the final “processed” book more sellable. Instead, self-published authors do not have to satisfy shareholders, or generate sales, so the author’s message about Bogle’s investment philosophy and the company he founded, Vanguard, remains organic for the readers’ best interest. This book is perfect for beginners, and some seasoned investors who are sick and tired of searching for that short-term investment miracle. The Simple Path to Wealth basic message to beginners is well-known in the Do It Yourself (DIY) investing culture: • think long-term. • live below your means. • plan ahead with a fully diversified portfolio (except international stocks, more on this below). • invest in Vanguards low-cost index funds. Sooooo, what is not to like? This book shows you how to like saving with minimal time and effort to discover the investing process. The author discusses investment costs, taxes, tax-deferred retirement plans offered by employers, the retirement years and strategies to keep from running out of money. My favorite chapters are “Why I don’t like Investment Advisers” and “Some final thoughts about risk.” Financial advisers are an easy target with hundreds of reasons not to like. Most of us DIYers will never need a financial adviser, for two good reasons: Collins writes “Nobody cares about your money more than you do,” and “you can learn to manage your money yourself with far less cost and better results.” From my personal experience, knowing how to save investment costs alone was enough to pay cash for the Tesla Model S. On the subject of risk, my favorite part, and I quote as the author was speaking to the zombie apocalyptics among us especially the financial media: “Major Armageddon extinctions events, like the asteroid that took out the dinosaurs some 65 million years ago, have happened about five times. His rationale is spot on, but portfolio construction and asset allocation strategies and information can be found in many books (The Boglehead Guide to Investors, any book written by Jack Bogle or his followers, Ferri, Swedroe, Roth, and Bernstein). In my working career, I could not even contribute the maximum allowed in my 403(b) plan let alone save 50% of my income (No, I never had new car payments because I could not afford car payments and invest too). The author knows he will get pushback, and he probably has heard my argument for international investing many times. Diversification means investing in all available stocks, worldwide. IMO, the author might be reflecting his age because he says that investing in the United States domestic market is enough diversification because of the worn-out global connections argument. Not having to pay capital gains taxes after investing in the Roth IRA is one of the best strategies for us regular investors (You can run the numbers on a brilliant Excel program created by The Finance Buff). I recommend to readers who don’t have a “lump sum” that is, a bundle of money to invest already, that you ignore the “Why I don’t like dollar cost averaging” chapter. I had to use DCA during my entire working career investing in my 403(b). If you have a lump sum to invest, follow the author’s advice. Collin’s strong opinions about some of his investment ideas represent more of his individuality than sound investment practice. In sum, if any author self-publishes a book about investing, I think it is important to readers to know that the message is organic—no other agenda item hangs in secret, other than to explain and lay out a simple plan which will connect with new investors and get them results."
"This has changed my mind in the way that I view the stock market, financial advisors, and accumulating wealth."
"Great book, I felt like I was sitting down with a wise Uncle getting life altering and sound advice."
"I had arrived at the same conclusion on my own though I don't know nearly as much as Collins about all of the alternatives, and I'm happy to say this book made me a whole lot smarter about the different ways that I don't want to try getting wealthy."
"I've read a number of these retire early books, and so far this one is the best in terms of the math and the financial planning needed to make it happen."
"Does a decent job of describing mutual funds and debt avoidance."
"I've been investing over 30 years and wish I'd read this in my teens!"
"My only regret is that I didn't have this book sooner, as I am nearing retirement, and this would have been great advice to have when I was younger, (perhaps I might even have listened) This would be a very good book to gift to a young person beginning their career."
Best Budgeting & Money Management
The new expanded edition of Tim Ferriss’ The 4-Hour Workweek includes: • More than 50 practical tips and case studies from readers (including families) who have doubled income, overcome common sticking points, and reinvented themselves using the original book as a starting point. • Real-world templates you can copy for eliminating e-mail, negotiating with bosses and clients, or getting a private chef for less than $8 a meal. • How Lifestyle Design principles can be suited to unpredictable economic times. • The latest tools and tricks, as well as high-tech shortcuts, for living like a diplomat or millionaire without being either. -- Dr. Stewart D. Friedman, Adviser to Jack Welch and Former Vice President Al Gore on Work/Family Issues, Director of the Work/Life Integration Project, The Wharton School, University of Pennsylvania "Stunning and amazing. -- Phil Town, #1 New York Times Bestselling Author of "Rule #1 "The 4-Hour Workweek is a new way of solving a very old problem: just how can we work to live and prevent our lives from being all about work?
Reviews
Find Best Price at Amazon"Don't get me wrong, Ferriss makes some excellent points and he's got some really great tips and tricks in here, I'm just not sure how universal they really are. I thought he was just talking about ways to spend less time working, but that "The 4-Hour" just sounded good (since he now has a whole line of books with titles that start that way). I never did understand the point of retirement, so Ferriss's plan sounds much more appealing to me. Granted, that would make my job a whole lot more portable, but I could never get away with only working four hours per week (at least not until after I sell that bestselling novel, which is such a realistic plan!). I, too, thought I could get another job within a few months, but that did not turn out to be the case. So, if I go spend all my money on a mini-retirement now, and then come back only to find that I can't get a job for another year, I'll be screwed. I love them, but they have enough to deal with right now, and the last thing I want to do is burden the people around me because I decided to go globe-trotting for a few months."
"Practicing the book context for over 2 months now."
"First edition was easier to read."
"Mostly conceptual with a few chapters of application, this book introduced me to mind blowing concepts (automated business, outsourcing and traveling inexpensive etc.)."
"With that said, the book does outline some good strategies to get through the workday quickly and enjoy more time with your family."
"Seriously, he begins by admitting he first made his fortune selling (allegedly) nutritional supplements that cost almost nothing to make and weren't based on science, but were then hyped to the point the uninformed public was paying through the nose to get it. This gave him ideas on how to further hype his message to an even larger audience, without bothering to sell anything tangible. He then gives advice about "paraphrasing and combining points from several books," borrowing from the public domain, and/or compensating some other "expert." Apparently, not knowing a damn thing is a virtue he calls "Cultivating Selective Ignorance." If having an educated and well-informed populace is fundamental to having a flourishing democracy, this is how we'll end up with a plutocracy where the stupidest few prey on the desperate and stupid masses, while outsourcing all the jobs they might create. Outsource everything -- including your brain -- to a 3rd World Country: He hires virtual assistants in various 3rd World Countries, especially India, who are then given fabulous access to all of his personal information to the point they can pretend to be him and make all of his personal and business decisions. Hey, what could possibly go wrong by hiring complete strangers and giving them all information about you in order to think for you, do your work and run your errands? Just tell him you're too busy and further kill morale by then asking those other suckers - aka, co-workers - for a quick breakdown of what happened."