Business Money Books

This book goes into detail on the problems of globalization, debt relief for developing countries, the international flow of capital, the World Bank, and the IMF. The book makes a very good case for debt relief for poor countries. As Toussaint points out, in most cases the borrowed money went straight into the pockets of dictators and corrupt officials, and was never invested in the country at all. It therefore seems nothing short of ridiculous to expect repayment from the present governments and peoples of these countries, who never saw any of the money. Do we really expect developing countries to shut down their school systems and courts to be able to make payments on these debts?

Toussaint is also convincing on the subject of radical reform or outright elimination of the World Bank and the IMF. These institutions have consistently failed in the economic stabilization and development of poor countries that was their supposed mission. Today they are more of a force dragging down developing countries than pulling them up. Toussaint is very good on the need for a Tobin tax and other controls on the international flow of capital.

Toussaint misses the boat on some economic issues. He points out that GDP is a poor measure of economic growth, but doesn't discuss more accurate statistics such as the Index of Sustainable Economic Welfare (ISEW). Toussaint wants growth so that the developing countries can be lifted out of poverty. What he doesn't mention is that if growth is accomplished by overexploitation of natural resources and pollution of the environment, as it usually is these days, in the long term this will mean more poverty. Since GDP does not account for changes in population, exhaustion of resources, or declining quality of life, increase in GDP is certainly not evidence of prosperity. I think the best we can hope for is the steady state economy; further economic growth is just not possible. This is not necessarily a bad thing. For more on this, I would suggest Herman Daly's book "Beyond Growth."

Toussaint is a fan of low prices for consumer products, apparently out of concern for the poor. I see the difficulty here as that low prices exacerbate the exhaustion of natural resources. Developing countries today are being systematically cheated out of the true value of their resources. An example is oil, today found mostly in developing countries. Given that a barrel of oil takes millions of years and tons of plant material to make, an accurate price would be nearer $700 a barrel than today's $70 a barrel.

Toussaint also wants the developed countries to open their borders to migrants from impoverished countries. This is totally wrongheaded. Such opening would very likely bring on a worldwide ecological collapse. Toussaint is being way too optimistic here about the worldwide economic future. The next decade is likely to see very substantial declines in the standard of living in both developed and developing countries, due largely to climate change and the passing of the global oil production peak. The developing countries are not going to be able to export their people or their problems to the rest of the world. Developing countries do have some advantages in these times, in that they are less oil-dependent than the developed countries are. Developing countries need to capitalize on their advantages, reduce their populations, and focus on their local markets. Dependence on international export for development is a futile exercise. In the developed countries, reducing unsustainable populations is equally necessary, and refocusing from global to local markets will be a must. For more on this, see Kunstler's book "The Long Emergency."

Toussaint also takes aim at the global patent system. Toussaint sees the patent problem as another example of the rich countries exploiting the poor, making drugs too expensive for people in poor countries to afford. The reality is that high-tech medicine in rich countries has long since reached the point of diminishing returns. The fact that a drug is under patent does not necessarily mean it is better than other drugs; in fact, the opposite is often true. In any case, most drug patents have surprisingly short lives, no more than a few years. The health care systems of developing countries would be better off if they forgot about patented drugs and focused on more-value-for-the-money health care improvements.

Toussaint opposes privatization of government assets and in some cases supports nationalization or re-nationalization of such assets. Toussaint makes a good case that in some countries privatization has been botched. I don't see, though, that the problem is privatization as such; more that the process should generally proceed slowly and that controls on the international flow of capital are a necessity. These assets, after all, were not contributing anything to government coffers when they were under government control; quite the contrary, they were a drag on the budget.

The book itself is rather unfocused, and is dull and academic in spots. It addresses many important issues, though. Some of Toussaint's proposals are excellent, others would only make matters worse. I would recommend the book for anyone with an interest in globalization and world poverty. Read it with a large grain of salt, though.

This book would be a great gift for a graduating senior from high school or college, but is of little use to some one who has been managing their personal finances for years. He discusses debt,insurance,education,car payments,credit cards, and retirement.If you understand that you should avoid credit card debt, stay away from car payments, not buy gimmick insurance, and max out your 401K contribution you do not need this book. I suggest "Financial Peace" or "Total Money Makeover" both from Dave Ramesay to really it more in depth and to get your money's worth.

Since I'm a middle Baby Boomer, it was interesting to see the perspective of a few Generation X couples interviewed by the author.

These Generation X couples expected the Baby Boomers to break the Social Security system, so there won't be an Social Security left for them......and therefore they should be more self-reliant than the Boomers. The X'ers also thought retirement should be replaced with having a flexible set of work skills that allow you to work until you are dead. The X's will have a hard time building any significant net worth considering the average college loans are now $20,000 and the X'ers sampled had between $3,000 and $8,000 in credit card debt.

As a Baby Boomer, I am glad to see Generation X people plan to be more self reliant for their financial future.......my generation needs people to buy our stocks when we sell them for retirement living expenses!

I really enjoyed financial planner Deena Katz's recommendation to focus on low cost index funds....since I am a huge fan of Index Funds. Her recommendation for three index funds with 50% invested in the S&P 500, 25% in the Russell 2000, and 25% in foreign stocks is a very reasonable recommendation.

I also enjoyed the portion of the book about salaries and expenses as a function of geography. Choosing where you work or retire to can have a dramatic impact on your living expenses.

The author's opinion is that between this book and his first book, Retire on Less Than You Think....you can easily figure out how to live within your means today.... and you can also learn to live on less than the 70-80% of pre-retirement income that is assumed by Wall Street and the mutual fund industry.

Over-all a great practical guide on how to live within your means through smart planning about college selections, autos, and credit cards.

I would suggest companion books to supplement this book including:
The Richest Man in Babylon
Bogle on Mutual Funds: New Perspectives for the Intelligent Investor
The Millionaire Next Door
The Four Pillars of Investing: Lessons for Building a Winning Portfolio
A Random Walk Down Wall Street: The Time-Tested Strategy for Successful Investing, Ninth Edition
Index Mutual Funds: How to Simplify Your Financial Life and Beat the Pro's
The Coffeehouse Investor: How to Build Wealth, Ignore Wall Street, and Get On With Your Life
The Bogleheads' Guide to Investing
Wealth: Grow It, Protect It, Spend It, and Share It
All About Asset Allocation.

Of course, the best reading skill is the use of discernment. Keep the info that resonates/is useful and toss the rest. I was on the right track, but as a baby boomer, did not get on the track soon enough. I read this book one week ago and used some of the advice. I have already seen significant results in cold, hard cash. That says it all.

I am also going to share the reviews with my smoking cessation classes. They are all going to have significant extra money soon.

Thanks, Fred!

I feel like Fred didn't do a lot of research to write this book. He cites interviews with 'experts' but those interviewed sound too much like the author's own voice. Sort of like the phony 'man on the street' interviews you see in Cosmo magazine.

Who is this book for? If it is for the young, then why a chapter on retirement and funding your children's education? If it is for those ready to retire, then the reader probably already knows all this information, and tons more.

Self help books such as this one are only helpful if the author has done due diligence, and really dug deep to find facts.

As a younger person (in her late twenties) who is interested in securing her financial future and looking to increase her financial knowledge, I found this book to be lacking in several ways. While many financial books offer similar advice, they often offer new perspectives, Fred Brock seems to just repeat and mirror concepts from other books as well as his previous book. If you have read more than one other volume on financial advice, then you will find yourself a little bored. Much of his advice is common sense and not mindblowingly original. He stresses similar money-saving concepts as the "latte factor" and extends it to apply to soda, lunch, clothes, etc. He stresses the obvious - if you don't consume as much, you save more.

My biggest criticism of the book would be that Brock is too narrow with his advice. That is to say, his thesis that certain areas of the country offer more bang for your buck and will give you a more improved lifestyle for the money, all seem to be to be an attempt to justify his own move from an urban area to a rural one. He devotes many charts to displaying how families in San Francisco or New York are worse off than those in less urban areas. While I agree with this in theory, he doesn't take into account the cultural benefits from living in such areas. As someone who has always lived in an urban city, I know of course that my income would stretch farther elsewhere, but for me that does not outweigh an urban lifestyle.

Much of Brock's arguments can be condensed into a smaller volume, most probably an essay. He stretches many of his arguements so that they bleed into each chapter, albeit perhaps to pound in the point to the reader. All that being said, although not completely unhelpful, there are many other books on the market that would be of more help to most Americans than this one. I found this volume to be sadly disappointing and not as helpful as expected from the team of Brock and the NYTimes.

this book has so many great ideas for teaching kids how to manage money at an early age. one idea to encourage children to give was to tell them you will match their giving amount, just like real jobs do. it also focuses on being thankful for our blessings, which encourages children to bless others who are less fortunate. they also show how to give a visual example (using plastic people and candies)of how blessed our nation is compared to other countries, based on population and resources per person.they also teach kids to tithe right from the start, which is definitely the way to go; then they don't know any different. this is a must-have.

While there are some interesting aspects to this book, it really only makes sense for the financially challenged reader. If you already have and follow a budget, save monthly, live well within your means, know what insurance you need and don't need, and invest for the long term in diversified and low cost index funds then you won't get much from this book. The personal finance portion is little more than Personal Finance 101. I have no doubt the book would be useful for people who are struggling to earn, save and invest but not for those with even a modest level of personal finance acumen.

I will say up front that I am not the poster child for perfect control over my finances. I read this book to try and increase my understanding of the reasons behind my sometimes self-defeating financial habits. While I have never come close to anything like a bankruptcy or foreclosure, I work in the financial services industry and talk to people day in and day out who are in that very situation.

I have read a great many books on finance and business, and again, I work in the industry, so I have a good foundation on how to handle my personal finances. I also have read many so-called self-help books, and have done a great deal of emotional work on uncovering my hidden and unconscious beliefs, mostly through Harry Palmer's Avatar system. That said, I had never really looked at my monetary beliefs with a close eye. It is such an important part of our lives, but it terrified me to look at my money scripts.

This book did give the courage to look at my financial beliefs, which had gone unchallenged my entire life. I considered myself pretty self-aware, but this book certainly opened my eyes in that regard. However, I thought that, while the book did a great deal to help one uncover such beliefs, there is not a lot of advice on how to HANDLE these beliefs. It seemed that the authors pretty much thought that, once your beliefs are uncovered, that's all there is to it. Hardly. I would have liked to see more exercises geared towards dissolving the old beliefs and creating new ones, but perhaps that was beyond the scope of the authors' abilities.

While the second part of the book went into some left-brained financial advice, it didn't address the problem of what many people live with day-to-day. The book was overly simplistic, in my opinion. Old standard advice like "Don't spend money on it if you can't afford it" doesn't help address real issues, like the cost of living in a major city being far more than what the average person can earn. It played into the "blame-the-reader" scenario, in which the reader held complete fault for their financial issues, and if they would just learn to discipline themselves, they'd have no more financial problems.

In a perfect world, those of us who forego designer clothes, shoes, handbags and that daily latte at Starbucks because we can't afford it should be able to live in a comfortable (if modest) home, drive a decent car, have an emergency savings account, and still be able to retire on a decent income. But that is simply not always reality. There are some people working very hard, living minimalist lifestyles, and yet they still have nothing left over to save at the end of the month. This book doesn't address that problem, and I think that's a shame. The same old advice, "Don't take on any debt"(including student loans, which the authors consider to be bad debt- I disagreed with that point) seemed to me to be a hidden belief on the author's own part. Debt is not always a bad thing, especially if it is incurred for the greater good of your life. And some of the advice was downright absurd- "Don't spend more than 4% of your yearly income on a car". Assuming you make $100,000.00 a year, that would mean buying a car that is no more expensive than $4,000. Huh? I'd like to get to work without being stranded on the highway- buying a lemon of a car will NOT help anyone's financial life.

Overall, I'd say this is a book for those that have a shopping addiction or a spending problem, and need some psychological help with uncovering the reasons behind that. If you are already living a modest lifestyle and need to find more money just to get by, I don't think that this book will help much. Buy this book, if you want to, but take the advice given with a BIG grain of salt. Good luck to you!

Of the many dozens of books that I've reviewed here on Amazon and this is one I feel really compelled to review and want to say more than 'great book' or a simple review in order to do the topic and the reader a service which was why I started writing reviews in the first place... either to 'give back' to the author whose work I like or to writing something, hopefully of value, to the Amazon community from which I've gained so much.

After reading the author's other book on Financial Wisdom of Ebenezer Scrooge (which I have also reviewed), I was interested to read this one. However, I felt very uncomfortable reading this one. Let me explain.

I've done the primary path's that this author uses, therapy and 12 steps groups. I also have an honours degree in finance and have been interested in investing since I was a child and have worked with leading investment banks, so have much experience in this industry. Despite the technological changes, the underlying psychodynamics of financial services have not changed a great deal since I was a child. Much of the same investment advice is still being peddled as wisdom by financial advisors that in a large part are little more than poorly educated salesmen. (I'm not saying there are not many well intentioned people in this industry). The financial industry changes slowly because there is so much self interest locked into it. Hidden trailing commissions are massive and provide streams of gold to financial advisers and their employers and they're in no hurry to give these up or change and cut a fair deal with the people that come to them as clients. There few industries where you go to a professional, and in many cases they put their own needs and agenda first. Financial services is one of these industries. Go to a bank for financial advice, they'll almost guaranteed sell you the house product with substantial trailing commissions built in that you will end up paying many thousands of dollars for their free advice. And most of the well known financial institutions have made multi-million (sometimes in the hundreds) dollar settlements (out of court and without admission of liability, of course) for acting contrary to the clients interests - all less than a day's pay, and then its back to business. So with that background you can understand why financial services progresses slowly, very slowly, and why there's little original thinking in the domain.

So let me get to this book. The context. My understanding the foundation and the source of much of this work is from George Kinder and his trainings, a colleague Richard Wagner (who has not published a book although I believe is working on one, and he has written many fine articles and I'd highly recommend you check them out) and some of the author's own work with psychotherapists.

This books is pretty much a straight translation of therapeutic concepts into finance. Anybody who has done therapy or 12 step groups will be intimately familiar with the ideas presented - addiction, codependence, medicating feelings, beliefs, anger discharge, shame, blame, boundaries, 'I' statments, feeling your feelings, attachment, shadow and many others including, anorexia (I'm assuming is a translation of the therapeutic concept of sexual anneorexia).

The book is modeled on 'integration', a therapeutic concept. The first part deals with the 'inner' and it's basically therapy. The second is the outer skills and that's a presentation of the standard model that you'll find in most books on finance - the basics of transacting in markets, planning, budgeting, goal setting, insurance, wills etc. Your country would have many people who have published this kind content (I think Suze Orman is your 'guru' in that respect), in my country it's financial journalists from the media who've written this content. With respect to this book, it's decent, conservative, 'generic', how to, basics of doing finance. If you've read more 3-5 books on finance you'll know what I'm talking about. The content in this book in this regard is good, it's pretty much the same as you'll find in most other books on finance.

What mostly will have drawn people here though is the inner component, that, you mostly wont find elsewhere... I don't know why, since many people have done inner work. There are few good sources of inner work discussions on finance (most of it is limited to very basic and general discussions of beliefs). As I said, Wagner would be one (probably the best one, yet he's written very little), George Kinder may be the other. Still, in the context of finance it's treated at a very basic level. That's disappointing as I think that limits the conversation to an extremely limited viewpoint.

What you're getting in this book is a straight translation of therapeutic concepts to finance. If that's what you're looking for, this is your book. Personally, having trained in finance and also in therapy, I can say I've met few conscious therapists, perhaps one. Of the few people out of the many hundreds of trainers, therapists, coaches and other people in the healing industry (less than 5 people) that I would call really conscious, none of them became 'conscious' through therapy. Therapy is about healing dysfunction, not becoming conscious.

Why I feel very uncomfortable about this book is that there are a lot of unconscious projections of assumptions and beliefs of the therapeutic model into this work that are not challenged. Few therapists challenge what they're taught, they just use it on their clients. Let me give you an example, using boundaries. Boundaries are a good idea right? In some circumstances and with some people they're valuable, in others, setting a boundary will stop you from experiencing something you don't want to experience...(usually based on a fear of something) and therefore you will never have that experience of being with that emotion or feeling and exploring it and how its wired up and moving through and beyond that and releasing it. You keep the boundary, and your reality stays the same. On a similar point, therapists are taught to normalise certain client behavior... part of the intent being that the client sees their behaviour as 'normal;... however... that completely misses and ignores what actually IS wired up in the inner world of the client... if it's 'normalised' by the therapist they don't examine what actually is going on in and how they create their reality. This is a simple therapeutic technique, rarely questioned, and how it has inbuilt (hidden) assumptions that can hinder the process of becoming 'conscious'. This book is filled with many such untested and unchallenged assumptions, translated directly from therapy into the finance domain.

Also, I know from my personal training and experience many therapists have not done any or any substantial inner work on themselves, particularly psychologists who often only have a university degree. I would hate to think of someone in finance reading this book or doing a 3 day workshop and then working with clients inner issues. The things that they could bring up for a client and not have any awareness that they were doing so and having little skill to work with that is a difficult thought for me to hold. I can imagine massive transference and counter transference (in therapeutic terms!) taking place.

Having done a lot of inner work, I've come to a new place with it. I value and respect my psyche and would no longer put it in just anyone's hands (there are few Westerners I see as truly conscious because it simply requires a depth of inner work few have done, and most of those that are aren't bestselling authors or easily accessible in the public domain) or blindly use some tools from a book. And I'd actually have trouble recommending more than 4 highly skilled therapists in my entire city, let alone someone with a mix of finance and therapeutic skills. The skill set is simply at the opposite ends of the spectrum - someone who's truly conscious will have the ability to work with emotions, the psyche, the unknown... the financial consultant works basically with the mind, rational, logical, linear thought in a highly structured and controlled way. Hence the difficulty in writing such a book and my warning regarding the unconscious assumptions that underly the worldview of the book.

And that said, there are some useful tools in this book, like working with beliefs (in the context of finance). However, they're also in his other book, which doesn't contain a lot of the (hidden and unconscious) assumptions that underly the models that are in this book. Some of them are little, some of them are major. Take the idea of 'Ending suffering by choosing pain'...

I want to be clear in my review. I think the author has really honest intentions, I sense his integrity, he's used personal examples which I like and find adds to the authenticity. He includes a detailed discussion on trying to find a financial planner that has done inner work, that I think is useful and I admire the fact that he has such passion for the work. I just advise extreme caution and awareness when using these tools with or when doing your inner work with others. If you don't have any background or experience in therapy or healing, you wont have this awareness and it takes a good deal of time and experience to develop it. A therapist that has an unconscious need to 'transform' people will work on you in that way... they'll try and transform you with their bag of tricks... and that can bring up all sorts of things from the unconscious and your past that are connected and integrated in very complex ways... things that are not even related to why you went there to see them in the first place, like, for example repressed sexual abuse issues. The consequences of which can be quite substantial in your life. So I advise pursuing the path with as much awareness as you can gain.

In summary, if someone asked me would I recommend this book, I simply could not. If it was a friend, and they wanted to read it, I'd probably have an hour long conversation with them first (which is why my review is so long). I'd recommend the author's other book The Financial Wisdom of Ebenezer Scrooge. So I'm giving it 3 stars, up from probably 2 since I think the inner work is important and is poorly treated in the context of finance. There are a few tools in here that I'd use (eg. beliefs) and a lot of ideas and concepts I wouldn't. Although the 'external' content is not substantially different to that given in other books although there are some linkages to the 'inner' side that add some value in reading it here.

If you want some better context on what goes on in financial services try 'No Monkey Business' or Pied Pipers of Wall Street or Barton Bigg's new book. There are a few others also which are good. There just aren't many (any?) really good books written on the inner perspective... sorry I can't offer you more than that.

All the best to you on your financial journey. I think it's a fascinating topic and doesn't need to be made dry as most authors seem to have done. It's hard to find great quality information and I wish you well in your quest and hope that my review here has helped you in some way.

As a counselor that has worked through many different issues, of which money is an important one, I found conscious finance to be insightful and helpful. In working with clients on money issues, I have never found money issues to truly be about the money, rather unresolved feelings the cloud clear decision making with money. I appreciate the personal and technical information this book gives because it gives direction to move forward.
The previous response indicated that "therapy is about healing dysfunction, not about becoming conscious." I find it is about both and the consicous part is the part that creates emotional freedom. I appreciate that this book gives a pathway in which the emotional freedom around money can occur.

I have long been insecure about my financal standing and could never seem to find any comfort so I continued to deprive myself of all but the barest of essentials. It wasn't until I read this book that I realized how my past had shaped my idea of the future and was serving to keep me running scared.

This is one of the most enlightening books I've ever read..and THE MOST entertaining of all finance books I've read!

The book is an easy read, but the application of the principles of overcoming your detrimental "money scripts" is not easy...but what personal change is easy?! I highly recommend this book to anyone who feels anxiety when it comes to money...whether you are an overspender or an oversaver... it can make a POSITIVE difference in your life!


Next on my agenda is "The Financial Wisdom of Ebeneezer Scrooge" which was co-written by Kahler.

As a Certified Financial Planner(tm) practitioner, I am always looking for good books to recommend to clients and to people who come to my workshops on how to get their assets in gear. "Overcoming Underearning" is one that will be high on my recommended list.

I have been in practice for more than 20 years and have learned that 80% of how people handle money is emotional and only about 20% is rational or well thought out. Stanny's book has a goldmine of ideas on how to uncover the emotional issues that are holding you back and gradually change your ratio so more of your decisions can be rational and less emotional.

Throughout the book she gives writing exercises with structured questions to help the reader get to the root of their underearning dynamics. I can't tell you how impressed I am with her lists and with her questions. There is no doubt that she has "been there, done that" and that she is armed with powerful insights from the many workshop clients she has worked with. She knows her stuff!

The book is exceptionally well written and well edited. It flows well, is easy to read, and very compelling. The power of the book is in the journaling exercises and the follow up ideas she provides. If you want to earn more, do these exercises and I think it will blow you away.

I was impressed that even though I'm already a high earner and very good with my own money that I picked up quite a few great ideas that will benefit me personally. Kudos, Ms Stanny!

Jan Dahlin Geiger, CFP®, Author of "Get Your Assets in Gear! Smart Money Strategies Get Your Assets in Gear! Smart Money Strategies

The key to a successful business or career starts with one's personal relationship with success and money. As a business and career coach I often recommend Overcoming Underearning as a must read for my clients. Having a prosperous money mindset helps professionals and business owners demand value for the value they provide, getting the money they deserve.

Debora McLaughlin

Business and Executive Coach

www.opendoorcoaching.com

Barbara Stanny's OVERCOMING UNDEREARNING: A FIVE-STEP PLAN TO A RICHER LIFE defines 'underearners' as those who earn less than their potential - then offers a blend of workbook and study guide to overcome this. Case histories form men and women who increased income and made more free time in the process supplement inspirational stories that emphasize the inner psychology of achievement resistance and how to overcome it.

Diane C. Donovan
California Bookwatch

By delving into your long-held attitudes about money, "Overcoming Underearning" can help you develop a new outlook about how you handle your finances and how you value your time and effort.

This book is based on the actual workshops by Barbara Stanny, and contains extensive worksheets and exercises to help you get to your core beliefs about money and what it means to you. By taking the time to work through the exercises, the insights gained will stick in your brain and prod you to think about what you want from your life. From there, you can begin to create an action plan to help you start achieving the earning power that you deserve.

Yes, going through this book requires effort on your part, but by putting into practice what you learn, I truly believe that you can begin to achieve a financial stability that you haven't known before. While the title focuses on increasing what you earn, this book has the potential to transform your life in all areas. It's a must read if you really want to get ahead in life.

If you are frustrated by a sense that you're selling yourself short in business situations due to a lack of the right tools or right self-concept, this book deftly addresses these challenges and gives excellent exercises to help you improve these areas.

I picked this up at the library, but expect I will purchase it for permanent use. I wasn't particularly drawn during my scan of the book (table of contents, recommendations etc.), but somehow would get a pang when I replaced it on the library shelf. So, checked it out and stayed up till 3 a.m. reading it! Still have about 1/4 of the book to go, but I really got a lot out of it.
I consider myself pretty tough in my evaluations of self-help type literature, I have read my share of it. I want it to say something new, offer substance and make sense. There's a lot of rigorous and innovative thought behind what Ms. Stanny says, and it is presented in a way that reached me.

Her resource/additional reading section at the end is concise and seems carefully considered, and she explains why she has chosen each resource well. I especially found helpful her list comparing the differences between "dawdlers" and "doers".

This book explains in detail how to use my space. I is great for beginners. I however know my space pretty well and skipped through a lot but I found lots of helpful tips on advertising my business and I learned a couple things about myspace.

It wasn't what I expected. It says "HOW TO MAKE MONEY w/ MYSPACE" To me it was basically the in's and out's of myspace. things I already knew. If it talked about How it was you were suppose to make any money, either I just wasn't into the book or I totally missed that information. I felt like I wasted my money on this purchase. I also bought "Hacking Myspace - Customizations & mods to make myspace your space" I just started the book, but I am already liking it.

I have been looking for some interent marketing approaches for my three books. I have seen MySpace recommended as a a social marketing tool with great potential for reaching readers. I joined and started looking around. As far as I could see it looked like a giant playground with people talking a language I could make no sense of. I ran across Dennis's book last Sunday in Borders and finally realized there was hope for me in understanding and even using MySpace as a valuable tool. I am just scratching the surface of the possibilities outlined in this book but am excited about the prospects. Thanks, Dennis.

Joe Langen, Author
The Pastor's Inferno

How to Make Money with MySpace: How to Make Money with MySpace (How to Make . . .)

I personally know the attorney who wrote this book. This is not why I find it to be a great book, but the information in this book is truly acurate and I highly recommed that EVERYONE read this! Very beneficial and being that I am a Certified Credit Repair Counselor, I do read up on books that are on Credit Repair to see what auhors have to write. I was very happy with this book, and I've refered it to many of my own clients. Knowledge is Power! For more information on Credit Repair, or if you need Credit Repair yourself call 1-866-341-8288, or you can visit us on the web ---------> [...]
~Melissa Navarro~

This is a great book. I recommended this book to my daughter's boyfriend, who has large school debts, among other people. Now if you want to see your debts as heavy, difficult to pay off, a burden, well don't get this book. If you want to see your debts as light, easy to pay off, this is a good book for you. Edwene Gaines paid off $60,000 in credit card debt run up by an ex-husband, in about 4 months, using similar methods. In the Newtonian/Cartesian world we grew up in, ideas like this weren't possible. In the new Quantum Mechanics world we are entering, these ideas will soon be the norm. If you have debts and you can't imagine how you're going to pay them off, it's very simple: get this book. Today. Hey, I live in New England. It's spring now, with greenery that was unimaginable just a month ago. And that is exactly how you'll feel, once you get the lessons of this book absorbed. The author writes from direct experience, she's not throwing other people's theories out without trying them. You know, when a critical mass of people start using ideas like those in this book, the entire planet will make a quantum leap into something far, far better than what we see now. You wouldn't be reading this if you didn't have personal issues, though... and this book is great for those issues. It is possible to end physical addictions by alkalinizing, in less than a week, physical addictions are based on acidic body pH. This book is the same thing for being in debt. I used her methods myself, to get out of some problems I had with the Visa Monster, and I don't have those problems now. I feel so very much better.

Our clients, who were emerging from bankruptcy, found this text helpful as a first step after enduring serious financial difficulty.

Scott Arnopol, Esquire
Washington, DC