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Business Money Books sorted by Bestselling .

Business Money
Adult Video Business:By Rayscorner.com Founder Ray West (2001 version) How You Can Find Attractive Women to Star in Your Own Adult Films, Make Money, and Quit Work in 7 Weeks
Published in Paperback by Clear View Pub (2001-08-16)
Author: Ray West
List price: $39.95
New price: $19.95
Used price: $29.40

Average review score:

How its really done! Nothing like this book.
Helpful Votes: 0 out of 0 total.
Review Date: 2008-03-04
Now I'm convinced.

After reading this book, my main concern was "can I do this". After reading, I'm not only excited, but truly convinced that almost anyone with a brain can do what the book reveals.

Thank you Amazon and thank you Ray West.

JC

You Could Not Pay Me 10 Times to Give it Back
Helpful Votes: 10 out of 23 total.
Review Date: 2005-09-09
I just finished reading the book and I'm beyond stunned! It's undoubtedly the most actionable, simple, surefire program I have ever seen. You could not pay me 10 times to give it back!

BEST BOOK ON THE PORN BUSINESS SO FAR!
Helpful Votes: 28 out of 41 total.
Review Date: 2005-07-31
I read so many books on breaking into the adult film business...I even spent $1,297 on this course from www.adultfilmmaking.com, the "only" online adult film school, which was a total rip off. This book by Ray West and one other one that I downloaded off the internet for $80 have been the ONLY two books I've read that actually give legitimate, usable information on how make money in this business. I don't understand the negative reviews on this book. Yes, the book has grammical and spelling errors but if readers aren't able to overlook that for the information it offers then they probably should stick to their 9 to 5 job anyway. If you're interested in getting into the adult business profitably and successfully, you need all the resources you can get. This book is one valuable resource to get you started. If you're a bible-thumper looking for ways to condemn this industry then you're probably the ones who are degrading the content of this book. Why waste your time? Get this book if you want to make money in this business.

Good book to read I would recommend it to everyone interested in this business.
Helpful Votes: 3 out of 15 total.
Review Date: 2006-03-04
The book was great to read and very informative. the speed of Delivery was also a plus. It was at my door with in a week. can't complain about that. GOOD JOB!

To film makers, adult traffic is crazy for my video
Helpful Votes: 6 out of 14 total.
Review Date: 2005-06-06
This book was a blast to read. I heard about Ray West from a forum as being a guru to adult film making. After reading, I know why! Eventhough his book is 2001, I am going after his new stuff. I just can't imagine as a film maker how much fun this book has brought to my life. Ray West, you are a true genius.


Business Money
Secret World of Money
Published in Paperback by S D L (NJ) (1996-07)
Author: Andrew M. Gause
List price: $14.95
New price: $85.95
Used price: $22.37
Collectible price: $30.00

Average review score:

An Imperative read!
Helpful Votes: 14 out of 17 total.
Review Date: 1998-07-17
Mr.Gause gives the novice and the expert an informative tour of the seldom exposed, true nature of the fractional reserve banking mechanism, which IS the root cause of the financial debacle we, as a nation now face in the coming few years. His revelation of the un-avoidable , immenant inflationary cycle that must come to pass, and the prudent wealth preservation stategy he advises one take,gives the reader an opportunty to explore an alternative investment plan that one may not ever have considered.

An expose of the Federal Reserve swindle of America's wealth
Helpful Votes: 30 out of 33 total.
Review Date: 2000-03-27
This comprehensive work by Andrew Gause really opened my eyes to the machinations of the system of banking that is destroying this country. The fact that our Government is paying billions of dollars in interest to a deceptively named private bank which holds the rights to creating our national currency is utterly shocking. Gause also points out the dangers of a currency that is created at the whim of an institution that is unaccountable for it's actions. Every American who is concerned with our future should read this book.

The Secret World of Money misses the mark
Helpful Votes: 43 out of 59 total.
Review Date: 1999-08-09
The Secret World of Money by Andrew Gause SDL PressReviewed by Joe Fuhrig Chief Economist, Michael H. Clement CorporationThe Secret World of Money by Andrew Gause comes prepared to instruct the reader and to tackle the tough issues of modern finance. This comprehensive work on money, banking and credit creation takes on fiat money, central banks, and the IMF. This worthy attempt to expose institutional causes of macroeconomic instability utilizes historical fact, theory and contemporary empirical evidence to build a case for an impending economic Armageddon.The serious reader, accustomed to discourse in modern world finance, will come away unconvinced and, in the final analysis, not impressed. It is not that Gauss does not summon a significant amount of historical fact for his ultimate arguments, but that some of his history is plainly incorrect, and that some of his conclusions do not connect with his historical narrative.His misunderstanding of the Jacksonian Revolution in American banking and finance leads the reader to believe that the author needs a refresher course in the fundamentals of money and banking. The genius of the Jacksonian Revolution in the U.S. circa 1835 to 1860 was to free banking from the perverse signals of State entry restrictions, abolish the Second Bank of the United States, and to subject the nation's currency system (comprised of competitive private bank notes) to the healthy incentives of a competitive market order. Gauss misses this significant point by arguing that this period was evidence of proper government interference in money and banking replacing improper interference.The well known Austrian notion that money is an emergent result of spontaneous market forces fully capable of producing a system which correctly prices time and risk is sadly absent from the author¹s analysis. His suspicion of modern institutions such as the Federal Reserve and the IMF, while well intended, gets confused by a suspicion of the people, motives, and collective interests which, to Gause, forms the outline of a massive world conspiracy. This conspiracy seems intent to bring ruin to the modern world economic order, which they themselves have created, by a regime of unbacked paper currency, hyperinflation and massive government debt. There is no notion presented here that modern social democracies might prove to be incentive incompatible.The simplistic analysis leads to a simplistic solution. We should distrust the current global system of banking and finance and invest in precious metals. We must prepare for a system programmed to implode by investing in coins. When H. Ross Perot was spreading his own version of deficit panic, one presumes that he must have used Gauss as a reference.There are genuine reasons to be suspicious of modern and historical intrusions by government into money and banking. The less government we have in world financial matters, the better. But one need look no further than the works of Murray Rothbard to find a more informed and articulate presentation of the warnings.

Great Info - if you can ignore the production value
Helpful Votes: 8 out of 9 total.
Review Date: 2003-08-20
The book is full of very informative and elusive information about how our monetary system works behind the scenes. The author has taken great pains to explain and in some cases prove his points, and reveals some really scarry information. It's question and answer style was a little hard to take at first, but it's not written for it's style, but it's content. I would give it a 5 if it weren't for it's style. It's not an entertaining book, but the information it gives-- is.

THE SCRET WORLD OF MONEY
Helpful Votes: 9 out of 13 total.
Review Date: 2003-11-04
The genious of the book is its simplicity. It is written with the beginner in mind, with facts and other tillilating information broken down and explained in elementary stages. In question and answer form this is an easy read and an easy reference book. It is good reading for those interested the inner workings of our monetary systems.


Business Money
Maestro : Greenspan's Fed and the American Boom
Published in Paperback by Simon & Schuster (2001-11-06)
Author: Bob Woodward
List price: $14.00
New price: $1.45
Used price: $0.89
Collectible price: $14.00

Average review score:

Amazing book about Fed's work in layman's terms
Helpful Votes: 0 out of 1 total.
Review Date: 2008-02-25
After reading this book I realized how fascinating a book can be when it is written by a washington insider like Woodword. Amazing book describes Greenspan, Fed, Whitehouse and the economics and politics behind it in the most lucid manner possible.

Very true in nature expresses very candidly Chairman Greenspan's political manuevering and how Whitehouse makes a non political instituion political.

Excellent and much more interesting to read compared to Mr. Greenspans own auto biography which in itself is a very good book.

"The nurturing of capital and property ownership."
Helpful Votes: 0 out of 0 total.
Review Date: 2007-09-10
The coziness of our nations politically elite always makes for interesting reading. While there are some interesting tidbits throughout, i.e. Alan Greenspans association with Ayn Rand; the familiar names of the politically entrenched and the precarious state of our nation's economic machinations, this book was a bit boring. With that said, there were two things I found fascinating about D.C. life. First, there is an extremely strong current of Ivy League uber-ambition in our nation's capital; along with an extraordinary confluence of academic uber-achievement (PhD's lawyers & double majored PhD's). Second, I didn't know Alan Greenspan, along with his longtime and classy arm-charm Andrea Mitchell, were such savvy political operatives on the so called D.C. cocktail circuit or what a critical role socializing played in the running of our country. Other than that, I was a bit disappointed with this effort.

Maestro Review
Helpful Votes: 0 out of 0 total.
Review Date: 2007-08-19
Among collegiate literature which I have been exposed to, I have found Bob Woodward's Maestro to be one of the most informative and educational. With this simple and easy to understand narrative, I have been taken inside the doors of the Federal Reserve, and have been given a picture of how the FOMC truly operates. I feel more equipped to discuss and express opinion towards the operations of the Fed. Upon the completion of this book, I sat back with a sense of gratification, in my newly acquired, practical understanding of the U.S. economy. Woodward was able to portray Monetary Policy in a sense that really applied to my level of thinking.
With an inside look at the decisions of Alan Greenspan and his role as chairman of the Federal Reserve, I was stuck with a sense of amazement watching this man operate mathematically and politically, still maintaining a sense of pure awareness and concern for the long-term affects of his resolutions. I would definitely recommend this book to any reader in search of a practical and realistic understanding of the economic engine which drives the U.S.

I Can't Believe I LOVED a Book on Greenspan!
Helpful Votes: 0 out of 0 total.
Review Date: 2007-04-10
I read this book wanting to be better informed about how The Fed and Greenspan operate, and wound up being nicely informed and entertained. Understanding how banks, the White House and political appointments co-exist in the field of economics, I never thought I would ever use the phrase "hard-to-put-down" in connection with an economics/banking book but this one really did it for me. It is a genuine page turner and definitely Woodward's most underrated and under-discussed books. (No caller mentioned this work during his 3-hour C-Span interview a few months back.) Get your hands on a copy of this book and prepare for an interesting and enjoyable ride. My one complaint: I wish it were longer. Although this book answered all my "Fed" questions, I wished its time track would continue to the present, or perhaps delve a little deeper into the past. But this minor complaint notwithstanding, the book was an excellent and engaging read.

Intellectual Cover for a Corrupt Monetary Cartel, the Federal Reserve
Helpful Votes: 3 out of 3 total.
Review Date: 2008-03-10
~Maestro: Greenspan's Fed and the American Boom~ is a rosy bit of economic subterfuge heralding Greenspan as an economic saviour when in reality we're paying the price for the Federal Reserve's inflationary scheme throughout the 1990s. If the markets set interest rates, we wouldn't see the vicious cycles of boom and bust, the subprime mortgage crisis, and the housing bubble. But such subversion is always attendant to fractional-reserve banking. A wiser more honest Alan Greespan wrote an essay entitled 'Gold and Freedom' in the 1960s. Therein, he observed: "In the absence of the gold standard, there is no way to protect savings from confiscation through inflation... The financial policy of the welfare state requires that there be no way for the owners of wealth to protect themselves. This is the shabby secret of the welfare statists' tirades against gold. Deficit spending is simply a scheme for the confiscation of wealth. Gold stands in the way of this insidious process. It stands as a protector of property rights. If one grasps this, one has no difficulty in understanding the statists' antagonism toward the gold standard." Greenspan intuitively knew this was still true when Rep. Ron Paul of Texas grilled him in hearings before the House Banking Committee.

People can mock the alarmists and goldbugs, but the U.S. Dollar is poised to fall over a precipice of hyperinflation in the twenty-first century. For years, it has enjoyed prestige as the reserve currency of central banks and reserve currency for OPEC exchange, but it is steadily starting to unravel. Too much public sector indebtedness, a 10-trillion dollar debt, trillions in unfunded federal liabilities, and an aging workforce will all point to American economic decline. In the 1990s, almost 65-70% of U.S. Dollars in existence were in circulation abroad. There is no telling how much it is today. The results will be catastrophic if a shockwave hits, and those Dollars come back home in mass. It doesn't necessarily entail a 1929 crash, but it will likely result in economic stagnation where inflation surpasses real economic growth and/or near-double-digit unemployment.

There is nothing special about Greenspan. He had wisdom to get out and find a fall guy in the new Federal Reserve Chief Ben Bernanke. Bernanke will take the hit for his mistakes. Bernanke is afraid to do any needed correction, or surgery in the form of tightening monetary policy, and will continue to prime-pump the economy and foment an inflationary shockwave and economic stagnation. The cure for inflationary woes is always more inflation. It's a melancholy fate, and the market correction will be devastating. His career will be short-lived and he will be the scapegoat. John Keynes, hardly a model economist, was prescient nonetheless when he observed: "By a continuous process of inflation, governments can confiscate, secretly and unobserved, an important part of the wealth of their citizens. By this method, they not only confiscate, but they confiscate arbitrarily; and while the process impoverishes many, it actually enriches some....The process engages all of the hidden forces of economic law on the side of destruction, and does it in a manner that not one man in a million can diagnose."

"The central bank is an institution of the most deadly hostility existing against the Principles and form of our Constitution. I am an Enemy to all banks discounting bills or notes for anything but Coin. If the American People allow private banks to control the issuance of their currency, first by inflation and then by deflation, the banks and corporations that will grow up around them will deprive the People of all their Property until their Children will wake up homeless on the continent their Fathers conquered."
--Thomas Jefferson


Business Money
Cashing in on Covered Calls. Investing with Stock Options
Published in Paperback by SAMR Productions (2007)
Author: Alan Ellman
List price:
New price: $19.95
Used price: $99.99

Average review score:

Good introduction, but I wanted more
Helpful Votes: 0 out of 0 total.
Review Date: 2008-07-21
The book contains key concepts for creating a potentially profitable trading system, but doesn't go into enough detail in certain areas, especially regarding what to do when a stock goes down. I wanted more strategies dealing with managing losses, but I think the author saved that for his extensive line of CDs and DVDs. But you can figure out strategies of your own if you research, ponder, and trade long enough.

My final word is for you the reader to enter the market slowly and get used to the rules of placing trades, to get a feel for how the market moves and how much, and to experience the feeling of having your money on the line (much different than when it's paper). Eventually you can move into bigger positions and discover how much "stress" you can personally endure. It took me many nights of half-sleep before finding a level of risk/reward I was comfortable with.

KUDOS ON A GREAT BOOK
Helpful Votes: 1 out of 1 total.
Review Date: 2008-06-28
ALAN, I want to thank you for your book on Covered Calls. I subscribed to a course that cost several thousand dollars to learn all the different ways to use options (Bull Call, Bear Put, Straddles and Iron Condors etc) but they never told much about covered calls. I bought your book for $19.95 and a Subscription to Investors Business Daily. I have recouped my investment in the course and have settled on using covered calls exclusively to do options. My thanks to you for showing me the way. It involves much less risk and your method is a way that I can do options without losing sleep. It does require some monitoring, but that only takes a few minutes a day. Thanks Again

cashing in on covered calls
Helpful Votes: 1 out of 1 total.
Review Date: 2008-04-18
For the first time in my very long life the market is now my friend. This system is so clear and concise I'm even getting great returns in the market. Just following Alan's advise alone can point you in the right direction toward financial freedom. A must read if your looking to do things right.
Dennis Hand

highly informative
Helpful Votes: 1 out of 1 total.
Review Date: 2008-04-06
This book is an excellent read.Alan Ellman has developed a profitable system that a novice can follow as well as a seasoned investor.Alan makes the art of selling covered calls easy to follow and understand.The approach is very conservative,producing a steady monthly income stream.I have been selling covered calls using his system and have had a positive cash flow every month(even when the market went down).I highly recommend this book to anyone looking to successfully take charge of their own finances.

Loved this Book
Helpful Votes: 2 out of 2 total.
Review Date: 2008-04-08
Best Book on covered call options that I've read
This system was a real eye opener -Takes you step by step through the entire process from picking the correct stocks to exit strategies-While most option books only give you a cursory glimpse into covered calls, Ellman's book goes through the entire process-A must read for beginners and veterans alike


Business Money
The Trick to Money Is Having Some!
Published in Paperback by Hay House (1995-04)
Author: Stuart Wilde
List price: $13.95
New price: $4.88
Used price: $1.00

Average review score:

Manifesting Wealth is a form of Art
Helpful Votes: 0 out of 1 total.
Review Date: 2007-08-27
This author completely changed my life, since I was 15. I am 23 years old now and am benefiting greatly from his incredible insights that have turned my life around in ways that cannot ever fill a measly paragraph. I have embraced his principles regarding manifestation, and I have to say, it's a tricky process, depending on the type of person you are, but Stuart Wilde explains how simplistic it really is....however, it's still tricky nonetheless, the gist of it all is using a force to be in your favor. Harness that, everything comes right to you as long as your energy can sustain it, for "if all the wealth in the world were distributed evenly, we'd all be millionaires''. This is a a key concept to keep in mind. I guess you can tell by now how much I read his books, after all, there IS something to them if you keep your mind open. See for yourself.

Stuart Wilde Devotee
Helpful Votes: 1 out of 1 total.
Review Date: 2007-10-01
I have been a follower of Stuart Wilde for many years and his approach to life absolutely works. Having read all his books I am now buying additional copies to give to friends. Remember, Life Was Never Meant To Be A Struggle.

Great Book!
Helpful Votes: 3 out of 4 total.
Review Date: 2006-09-25
This book is not a get-rich-quick scheme. What it can do for you, if you are open to utilizing its suggestions, is help to change the way you think about money. As the saying says, change your thinking and you change your life. What you think about and focus on becomes your reality. This book really helped me to not only understand in terms of knowledge, but in terms of wisdom, that money is just energy like EVERYTHING ELSE. It is only as important as the value we place on it. This book can open your eyes to a good look at the limiting beliefs surrounding your relationship with money. It's up to you to heal the riffs, but in my opinion, this book is a good start.

This is My #1 All-Time Best Read
Helpful Votes: 4 out of 5 total.
Review Date: 2006-12-26
This book, The Trick to Money Is Having Some, is THE BOOK that turned my financial life around 180 degrees. From broke and homeless to affluent (and a homeOWNER). I can't say enough about this book, other than read it ASAP....Mike Stokes

Negative overwhelms the positive.
Helpful Votes: 7 out of 9 total.
Review Date: 2007-06-06
This book was originally purchased about 5 years ago, then packed away. Three things I remembered about it were: the woman who won the lottery, picking up coins every time you find them, and the negative comments about Mother Theresa. I came across it the other day and decided to read it again. However, I'm in a very different place now than I was then. This time I had to stop about half way through and it ended up in the trash.

Although he presents some interesting ways to think about money, the caustic, negative, sarcastic examples, comments and put-downs thrown in here, there and everywhere became a headache to read. For someone who sprinkles his chapters with the words God-force, spirit, spiritual, etc., as though it's where he's coming from, such negativity is incongruous. He also throws out the words metaphysical, occult and energy in ways that seemed shallow to me, as if they might make his book intriguing to some and give some weight to his opinions. It bothered me how often he put something over on someone as an example to do the same. How does any of this contribute to a better life? It doesn't when you understand, through awareness and experience, that your thoughts and feelings determine your experiences. Even he admits that. He wrote a lot about the importance of feelings, but ignored how discouraged and uncomfortable someone might feel reading the kind of remarks he makes about others. It seems that he doesn't have a clue, or doesn't care.

There are also inconsistancies. For example, after mouthing off about how bad the System is, he says that you are required to join it to make lots of money. He says you don't have to work hard for money, then turns around and says that increasing and keeping it takes more time, effort and work than most are willing to do. And he seems to look down his nose at those who aren't willing to invest in the effort to be in with the movers and shakers of the financial world. He suggests that someone who doesn't have what HE says it takes maybe wants only a "little" more than what they have now. This kind of opinionated arrogance isn't helpful for those who desire their own individual level of wealth.

For anyone who wants to bring in their wealth through creativity instead of competition, I suggest "The Science of Getting Rich" by Wallace Wattles. (Some might prefer an updated version.) It's principles are practical, and it is written in a positive, encouraging, and uplifting way. Applying these ideas does make the kind of difference in your life that begins to bring you in sync with the level of wealth you want. It has made a huge difference in mine.

Stuart Wilde also points out the importance and endurance of quality, but his book isn't anywhere near that caliber.


Business Money
Truth About Money: The Worst Fraud / Sc / Swindle / Crime In American History: The Federal Reserve Banking Act
Published in Paperback by BookSurge Publishing (2008-01-16)
Author: Frank Wallace
List price: $10.99
New price: $10.99
Used price: $6.95

Average review score:

Disorganized quotations and anecdotes.
Helpful Votes: 0 out of 1 total.
Review Date: 2008-10-04
The book suggests that it is a thoughtful criticism of the Federal Reserve Banking Act. I question whether the authors read the Act. The book is virtually unreadable and is little more than the authors' own disorganization of standard "New World Order" rhetoric. Although one might credibly argue that the Federal Reserve Act is an unconstitutional monopoly of the banker-elite, this book does not support the argument; it just states it over and over again. Don't waste your fiat money. The same quotations contained in this book are all over the web. You've read one, you've read 'em all. Do your own research for free if you really want to understand the "Fed."

Phenomenol
Helpful Votes: 0 out of 1 total.
Review Date: 2008-09-29
Great Book
Gets right to the point.
Jumps around a bit, but packs in what a fraud the Federal reserve is.
Extremely impotant book to understand more about this financial crisis our country is in. You will understand why they wield so much power. They must be stopped if this countries citizens should ever be free.
It also tells how they control us through the media and the agenda they set forth using the three societies. "Bilderberger, Tri-latteral Commision, Council on Foreign relations"
For those interested in Video:
Money as Debt amd The Money Masters are two good dvd's
I think they both can be viewed on Youtube.
I hope this review was helpfull.


Business Money
Deal with Your Debt: The Right Way to Manage Your Bills and Pay Off What You Owe (Liz Pulliam Weston)
Published in Paperback by Prentice Hall (2005-08-27)
Author: Liz Pulliam Weston
List price: $17.99
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Average review score:

dealing with your debt rating
Helpful Votes: 1 out of 1 total.
Review Date: 2007-11-04
This book is very informative. It gives a lot of useful tips as to how to manage your finances and how to actually deal with your debts. I would recommend this book to anyone who is trying to figure out ways to managing their debts.

Thorough unbaised advice
Helpful Votes: 14 out of 19 total.
Review Date: 2006-02-02
I have known Liz Weston for years as a journalist and have always found her to be very thorough and no-nonsense. This book is no exception. It's well researched with unbaised and sensible strategies for dealing with debt. I had the opportunity to interview Liz on my internet radio show EverydayWealthRadio recently about the book and she clearly has great advice on this topic. She addresses things like 401k loan, pros and cons of different types of debt, and the common questions I hear from consumers,

great information - but use with caution
Helpful Votes: 18 out of 18 total.
Review Date: 2006-12-13
This book is full of great information on high to prioritize your financial life in terms of debt reduction, retirement saving and other saving. But the advice assumes the reader has a fair amount of discipline (i.e., ability to budget and constrain extraneous spending). The book goes into great detail on how to balance debt reduction with maintaining financial flexibility, maintaining good FICO scores, etc. But far too many people who are deeply in debt (and seeking help from books like this) have a spending habit that needs more drastic surgery than this book gives. So, I would say this book gives outstanding advice, but only for a subset of the public who have the right discipline. For many folks, the more drastic "surgery" advocated by cheerleaders like Dave Ramsey will be more effective.

The easiest to read, most comprehensive debt book ever
Helpful Votes: 7 out of 8 total.
Review Date: 2007-05-07
I bought three debt books the last time I was at Amazon. They were all good, but this was the most comprehensive in easy to read format and sentences that it made things easy to develop a plan from this book. I already passed it on to two other people.


Business Money
Financial Peace: Restoring Financial Hope to You and Your Family
Published in Hardcover by Viking Adult (1997-01-01)
Author: Dave Ramsey
List price: $22.95
New price: $2.45
Used price: $0.05
Collectible price: $22.95

Average review score:

Just get the planner
Helpful Votes: 0 out of 0 total.
Review Date: 2008-07-04
The "Financial Peace Planner" is a soft-cover version with more interactive options (lists, graphs, do-it-yourself charts) than the hardback. If you like the Financial Peace series, just get the planner to get the full usage from the teachings.

Have a little peace in your life
Helpful Votes: 1 out of 1 total.
Review Date: 2008-05-07
While no book can give you everything you need to know about finances, this one comes very close. After reading Total Money Makeover, I felt compelled to read this one because he consistently referred to it. I think I enjoyed this one better because put everything thing in a real doable format. He even gives you forms and letter for all major aspects of your financial life.

I like how he refers to the bible on certain points which shows that we are not the only ones who ever struggled with debt, low savings or foolish investing. This gives the book a sense of reality that most just ignore.

It is easy to tell that he knows what he is talking about because he speaks as though he and his wife had the same problems as we do. Though educated in finance, this is encouraging because if he can do so can we.

He covers a lot though with may reference which can seem over powering at times, but it shows Mr. Ramsey has done his homework.

I like his Pease Puppies at the end of each chapter which is a kind reminder of what each chapter was about.

1. Avoid Stuffits. Making your life less dependant on Stuff.
2. Plant seeds. Start you money growing by understanding compound interest.
3. Discover you own "power over purchase". You have the choice to purchase.
4. Find where you are naturally gifted- Enjoy where you work and work hard. Find work that makes you happy and you will always do it well.
5. Live substantially below your means. Though easily said then done; great advice.
6. Sacrifice now so you do not have to later. Can be tough to put off today what you want, but it is worth it.
7. You can always spend more than what you can make. Don't. This is done by using credit.
8. The borrower is Servant to the lender; so beware. True and makes you wonder that we never believe this.
9. Check you credit report at least every two years. Everyone makes mistakes, so check it.
10. Handle Credit report corrections yourself. Most are easy and the credit reporting agencies must correct them.
11. Realize that the best way for delinquent Debt to be paid IS FOR YOU, not the collector to control you financial destiny. How often do we forget this?
12. You must save Money (the power of compound interest).
13. Use the "Keep it Simple, Stupid" rule of investing. Invest in what you know and are rather simple (mutual funds mostly).
14. Only people who like dog food don't save for retirement. So save, save, save.
15. Always save with pretax dollars.
16. Learn Basic negotiating skills for great buys. Great ideas for saving money for everything you purchase.
17. Learn where to find great buys (treasure hunt). Great buys are everywhere like flea markets and garage sales.
18. You must have patience to get great buys.
19. Communicate with your spouse about money. Lack of it causes divorce. She can also give you great insight.
20. Teach the children!
21. Listen to your spouse's council (women's intuition). Men have it too.
22. There are few "ole" fools- Seek experience counsel.
23. You must keep your check book on a timely basis. Surprising how most people don't.
24. Lay out in written detail of a cash management plan. Written budget and cash flow statement.
25. Commit to the plan for ninety days. Give the plan a chance to germinate.
26. Take time to prioritize you life.
27. Keep your spiritual life healthy.
28. Take baby steps- Prioritize your plan and move slowly. (read total Money Makeover for this detailed plan)

While this may seem daunting, but making some simple changes to your financial life, you can achieve great success.

I gave this 4 stars because Amazon does not allow for me to give it 4 1/4 stars because there is a wealth of information in the book and spiritualness of the book, but there were some problems that I could not deal with perhaps because of ignorance or lake of understanding. I would recommend reading this book before you read Total Money Makeover.


Enjoy

Left me cold
Helpful Votes: 3 out of 3 total.
Review Date: 2007-12-03
This book is an excellent starting place if you're picking up your first book about personal finance and getting out of debt. Ramsey does an excellent job explaining what debt really does to you financially and emotionally. He also offers a very simple plan for managing your debt and building a plan that anyone can follow to get out of it.

If this is not your first book about personal finance, however - skip this one. It's mired in the basics and goes over them in excruciating detail. Ramsey has nothing to say that Suze Orman and his competitors haven't already said -- with the exception of who his target audience is. Ramesey lives in a world with white picket fences where the husband works, wife doesn't, and the 2.5 kids never get into worse trouble than the occassional baseball through a broken window. In this book, Ramsey explains why it may not make financial sense for your wife to work as well as "you," for example... This model works great if your wife is capable of making only $18,000 a year, and she'll spend $100/mo. on clothing and $45/mo. on dry cleaning from that salary. Who are these people? His point is valid, and if it gets you thinking, it's done its job. He's not writing for the world I live in, however.

If you're young, living toward the left wing, or not kept awake at night wondering whether your wife should work or stay home, I recommend Suze Orman's Money Book for the Young, Fabulous, and Broke instead as a great first step on your journey to financial empowerment.

Financial Peace - A Plan that Truly WORKS!
Helpful Votes: 3 out of 4 total.
Review Date: 2006-05-05
This book has literally changed our lives. I give this as a wedding gift (w/some cash) for many young couples. But, young or old, the practical steps given in this book can change your life!

Ramsey is blunt, but caring. He provides hope when things look the worst. He's lived through bankruptcy and loss of everything, and he shares his story to show how changes in money management can impact you. Written in easy to understand language and terms. Should be required reading for all high school students! (but, it's not too late for the Baby-boomers.) Ramsey is a true teacher.

Simply the best book on personal finance you can buy
Helpful Votes: 8 out of 8 total.
Review Date: 2006-05-20
I actually had this book in 1993 when it was self published the principles in it showed me how to go from being totally broke and $50,000 in debt to now having a net worth of $150,000, this is also after going through a divorce where I lost 50% of my net worth.

This is financial step one:Start the journey.I have also been listening to Dave Ramsey on the radio since he started in Nashville in 1993. His common sense information is why I have a 6 figure 401K, and have had financial peace over the past 13 years. He taught me what my parents should have about personal finance. This is a great beginners book in personal finance,it can show you the way out of debt and into prosperity. Here are some of the rules:
1). Never have a car payment
2). Do not use credit cards
3). Get a mortgage of less than 25% of your monthly net income.
4). Have 3 months of expenses saved
5). Get a career you love not a job
6). Tell yourself and yout family NO to things you can not afford
7). Contribute 15% to your 401K
8). Live on a budget
9). Live on less than you make!
10). Work two jobs until you are out of debt.

It is worth the price you pay short term for the long term peace.


Business Money
The Bank Analyst's Handbook: Money, Risk and Conjuring Tricks
Published in Hardcover by Wiley (2004-06-25)
Author: Stephen M. Frost
List price: $110.00
New price: $62.62
Used price: $85.57

Average review score:

An excellent discussion of banking and finance.
Helpful Votes: 10 out of 10 total.
Review Date: 2006-05-02
It is refreshing to read a book that is written like a conversation and not like a textbook, yet one that contains the appropriate financial rigors.

If you want to catch up with modern banking and look at it from an analyst's view, this is your book. I enjoyed it very much and use it as a reference often


Business Money
It's Called Work for a Reason!: Your Success Is Your Own Damn Fault
Published in Hardcover by Gotham (2006-12-28)
Author: Larry Winget
List price: $26.00
New price: $4.93
Used price: $3.50
Collectible price: $26.00

Average review score:

Larry is like a recording of me!!!
Helpful Votes: 0 out of 0 total.
Review Date: 2008-09-03
I have three of Larry's books. This guy is telling folks the very same things I have said all my life. I later went out and bought 40 copies of the three books I have read so when my friends start their whining I just hand them a copy and tell them to go read it. Maybe they have short term memory issues when I tell them so here is a copy of the same stuff I have preached about for years. GREAT STUFF!!!! Just a lot of the truth that people should take to heart. Grow up and start taking responsibility and STOP EITHER BLAMING THE WORLD OR LOOKING FOR A HAND OUT!!!!!!!!

Good solid advice
Helpful Votes: 0 out of 0 total.
Review Date: 2008-08-18
The book is clear and direct, which is consistent with the advice given about how to be successful in business. Larry's style is entertaining, and all of his recommendations are grounded in his personal business experience. I found the book useful.

Contains some important nuggets of advice
Helpful Votes: 0 out of 0 total.
Review Date: 2008-08-17
This is my favorite of Larry's because it gives me a need attitude adjustment whenever I read it.
He is very big on taking responsibility for your situation and remembering that you are employed to make your company profitable, not to be fulfilled or happy or challenged, even though it is good if those happen also, we cannot expect them.

Yes, he is a little harsh on some topics, and I would take some of it with a grain of salt, but he is like a coach that pushes you to do better.

The truth might hurt sometimes, but you are better off seeing the situation in full daylight instead of complaining and playing the victim.

I have also read his Shut Up, Stop Whining, and Get a Life: A Kick-Butt Approach to a Better Life which shares some of the attitude, but veers off onto his opinions which I just don't care to listen to.

Know your priorities
Helpful Votes: 0 out of 0 total.
Review Date: 2008-08-07
Larry is very specific in his book about knowing your priorities. People are becoming more and more spectators instead of doing. People prefer looking busy instead of getting things done. It is a true reorientation of focus when he said: "It's not how many hours you put into the work, but how much work you put into the hours".

Some good motivational work ethic stuff with a lot of overstatement of the obvious
Helpful Votes: 6 out of 6 total.
Review Date: 2008-07-01
Yes- Larry Winget's book "It's Called Work for a Reason" is filled with sage advice about cultivating a good work ethic for yourself and your employees:

-always be on time
-work hard, work smart
-schedule priorites and organize your tasks around them (not the other way around), etc.

90% of all this, however, should be "no-brainers" for anyone who is motivated and seeks proactively to motivate their employees and colleagues. Nothing earth-shattering here that I could see.

If you find yourself in a bit of a rut and need a motivational work pep talk (or know someone who does) then this may be a great book to pick up and give a quick read. Otherwise, save your time and do what you know you need to do- like the sneaker commercial says "Just do it!" That is really the crux of this whole book...


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