Money

This book gives the basic blue print on how to be better stewards over our finances. The author puts a spirtual perspective on how God wants us to use our finances to advance his kingdom, as well as reducing financial worry. God has certainly annointed this man with the wisdom needed concerning this issue.

The world of Finance has been a subject that is complicated to me so I was wonderfully surprised to find Ray Linder's book not only interesting and understandable but a pleasure to read. I was especially pleased with his references to Scriptures. and "helps" for the different personality types. It was a joy to read and contains a wealth of information to help you to better understand the financial world.

Ray Linder writes a book that is not only interesting and at times humorous but is easily understandable by the lay person. He makes an often dull subject come alive and packs it full of practical advice on putting ones financial house in order and keeping it that way. Ray points out the common traps we all fall into and offers solutions that are "do-able". Acknowledging that conflicts surrounding money are often the greatest sources of friction between husbands and wives, Ray addresses this problem by explaining how different personalities handle money issues in very different ways. While using sound spiritual principles of money management, he also takes into account that we need to enjoy life and encourages making allowance for the things we like to do. I would recommend this book highly to anyone wishing to be free of the constant tyranny finances often play in our lives.

The Frugal Gardener is a great book of gardening strategy for those of us who want to (or have to) stay within a small budget. As it turns out, the frugal way is also the organic way, generally.

TFG is organized to guide you through long-range strategies that will save you money in both short-term and long-term investments. An early chapter deals with the bare bones tools that you will need to start with; how to spot quality that will last, how to maintain them, and different uses for each. Next we learn how to plan a garden based on regional climates, making heavy use of naturalizing perennials and native plants that need less maintenance, watering and/or care (and so fewer products to buy). If you like the quick gratification of annuals, there are quite a few tips here that will help you maximize their impact in your garden. A great emphasis is placed on soil health, how to get it and how to increase it, thus saving more money that would have had to be wasted on expensive fertilizers and replacement plants. Then there are the recipes for homemade bug sprays and remedies that can be concocted from common household items.

TFG explained gardening organically in a way that made it easy and sensible even for me when I was first trying to make compost and wean away from chemical sprays. There is a lot that can be done to fortify and protect your plants and trees that will benefit them and the environment, and surprise! It's cheaper than chemical solutions. My garden has been thriving ever since.

Frugal gardeners, don't be afraid to spend the money on this book! Even if you only use a few of the many tips packed within this book, you will more than make up the cost of buying it in the long run.
-Andrea, aka Merribelle

I'm another purchaser who first tried this book from the library and then knew in days that I needed my own copy. It offers many tips I was familiar with after years of gardening, yet hundreds I'd never heard of. Even if you are not simply looking for ways to garden on a budget, it offers many great gardening tips. Period.

There are plenty of good illustrations and the layout is appealing to the eye. It is well organized and enjoyable to read, not just to use as a resource. This book is money well spent toward your garden.

For me, a complete novice at gardening, this was a wonderful choice as one of my first two gardening books. Before digging up my front yard, I bought a Gardening-101-type book and this book, The Frugal Gardener. As it mentions in this book, it truly IS best to be frugal right from the beginning. You save the most, get exactly what you want for your dollar, and have a good idea of how to get what you need without spending a fortune. Useful tips throughout. I'd find it interesting even if I wasn't planning out my own garden. I highly recommend.

For all of you web travel fans, the Second Edition of Internet
Travel Planner has been updated with the best and newest web travel sites. As a former travel industry employee, I find this is the most complete and easy-to-read internet book now that all the large travel suppliers and surviving internet travel businesses have improved their online booking sites.

Using Michael Shapiro's book as a guide, a newcomer to researching travel can click through a website with ease. An interesting new appendix was added on digital photography. Do any of us world travelers leave home without a camera! Of course we love finding a good discount and each chapter lists sites known for the best deals. Travel sales are still down and businesses are reducing prices or adding incentives to get customers. I would highly recommend buying the book for yourself or giving it as a gift for the holidays.

Learn how to save time and money through a guide which shows how to use the Internet to locate the best travel bargains and save money. Internet Travel Planner goes beyond pinpointing the latest sites: it tells how to join online discussion forums, how to gain access to newspapers and reviews, and how to use online resources to create your very own custom made traveler's guidebook.

I found this book to be both informative and useful even though I had already used the internet for travel purposes. My husband found out about free email accounts and signed up for one within a few minutes (Chapter 14). After reading Shapiro's Internet Travel Planner, I realized that by booking airline tickets on line, I had only begun to scratch the surface of the possibilities for travel planning on line. What I found most useful for both 'arm chair travel' and trip planning was Shapiro's chapter on discussion forums and bulletin boards. Search engines are great but I find the results to be catch as catch can. In Chapter 13 I got a clear sense of which sites were worth my time. Shapiro covers everything from frequent flyer miles to vacation package sites, from weather to medicine abroad. The book is easy to use-it offers an index and appendices that allow you to find websites quickly. Read this book even if you wouldn't book a flight or make a reservation on line. The web is too great and too vast a resource to skip and you'll be glad you have this guide as you surf.

Latinos will become the largest minority group in the United States in the 21st century, but remain largely outside the financial mainstream. For example, the Harvard University Joint Center for Housing Studies reported in March 2000 that 44% of Latinos own their own homes, compared with 75% of whites.

According to the Federal Reserve, despite an economic expansion of record length, there is vast disparity in wealth (all assets, including homes, autos, stocks, and savings accounts) between whites and nonwhites. The median net worth for Latino, African-American, Asian, and other minority families was $16,400 in 1998, the most recent year for which the Federal Reserve has data. That figure is just 17.28% of the median net worth of $94,900 for non-Latino white families, virtually unchanged from 17.23% in 1992 (although the disparity in income is much smaller: 62%).

The wealth gap is much greater than the income gap for various reasons. Minorities, including Latinos, typically have less access to credit for starting businesses, and are less likely to invest in the stock market. They are also less likely to have accounts at financial institutions, doing business instead with check cashers and payday lenders, the latter of whom often charge interest equal to a 500% annual percentage rate.

This much-needed book not only examines the cultural factors that help explain these trends among Latinos, it also offers advice to Latinos on setting up and using accounts at banks and credit unions, saving for retirement or college, sending money to family members in other countries, buying stocks and bonds, negotiating for a home, and applying for credit. It also lists financial institutions and sources of bilingual financial service information and provides Spanish-language translations of key financial terms. Castaneda, a former Knight-Bagehot Fellow in business and economics reporting at Columbia University who has covered business and finance as a freelance writer and a reporter for the the San Francisco Chronicle, has thoroughly researched her topic.

Although oriented toward Latinos, this book would be helpful to anyone who wants to take control of and improve their finances.

This is a wonderful book. It gives you a lot of insight into Latino attitudes about money, then tells you how to make sure those attitudes don't screw up your personal finances. It's very well-written and is easy to read and understand. In fact, anyone, Latino or not, could benefit from reading this book. And it has a beautiful cover.

Castaneda and Castellanos have laid the cornerstone for the financial freedom of America's fastest growing demographic group--and key driver for the future U.S. economy. Latino consumers will read this well-written guide as a road map to prosperity. Comprelo y declare su libertad!

If you are an adult in debt, you must read this book. Professor Keating offers implicit instructions on how to fix and mange your debt. Leveraged to the Hilt is easy to read and simple to follow. Professor Keating guides you through your personal finance decisions regarding which bills to pay off more quickly in accordance to the amount of debt and the interest rate you owe as well as how to reduce your payments and acquire lower interest rates on your debts. He explains the time value of money like no other. This book is full of honest, straight forward advice from a master of financial management. It offers the wisdom and expertise of a Wall Street guru through the voice of your dad.

I thought that I knew a lot about personal finance but Professor Bill's great insight, information, and tools really allowed me to understand my personal finance decisions. I am more prepared to deal with the "Money Game" that Professor Bill describes that preys on our lack of knowledge about the behavior of money. I appreciate that Professor Bill is sharing his financial knowledge and wisdom with all of us who wish to learn.

I thought this book was a great way to start the new year. The software gave me a plan to eliminate my debt. I found the book easy to read and even with my hectic schedule finished it in two days. I found the tips that were given in the book to be helpful. I enjoyed the quotes. The book was realistic and didn't offer a quick fix but a steady decrease over time. It gave tips for you not to fall into heavy debt again by focusing on the total payback of items you put on credit. The software was an added plus. It allowed us to get the big picture of our finances. I will recommend this book to friends and relatives.

Nothing beats the joy of consuming something that tastes good and is good for you. In this case, it's great advice delivered in the same engaging voice that made "Outwitting Squirrels" such fun.

While I don't think there is one perfect book for aspiring writers to read (because you learn best when you read several books on a subject), I did find two things particularly nice about Bill Adler's take on book publishing: His amalgamation of perspectives as a writer, agent, publisher, packager; and, the format of the book, where extensive samples are woven into the chapters instead of held for an appendix. Why "Outwitting Yourself" for this review name? Because, it seems that we potential writers can find 101 reasons (a.k.a. excuses) for not getting on with our writing careers. But, with Adler's advice you will have the road map needed to find your way to a published book... Outwitting your excuses, thereby outwitting yourself. Have Fun and Best Wishes on your journey to publishing success. With Bill Adler's book of course!

Bill Adler Jr has been in the publishing business for twenty years, and is willing to let neophyte authors in on the secrets he knows about getting published. Great stuff in this book, a real inside look at how to become successfully published (and then how to get publicity for your book, too!).

What I really like about this book is that it provides practical, real-world advice. The section of the book with remarks by actual editors is especially helpful. This is the single best book on how to get published that I've ever read. Bill Adler also has a fluid, entertaining writing style that's a pleasure to read.

Ichiro Sasaki
April, 16,2002
Humanities
Make four million dollars by next Thursday

I choused this story because I looked at this title and I thought this book might be fun and also when I reading this book I feel I want to know what will happen next so it is very interesting book.
Jason Nozzle wanted to be a multimillionaire. One day he saw a book called "Make four million dollars by next Thursday" He wanted to be multimillionaire so he followed the instructions of what book said. He followed instructions but all instruction were so crazy but Jason didn't give up. But this book didn't make him multimillionaire but this book tells him that you have more important things then money.
In conclusion I learned that we have more important things then money and also I learned that we could buy things by money but we couldn't by other peoples feelings.

Jason Nozzle wanted to be a multmillionaire. One day he saw a book called "Make four million dollars by next Thursday"He wanted to be multmillionaire so he followed the instructionof what book said.But this book dosn't make him multimillionaire but his book tells him that you have more important things then money.
In my oppinion this book is easy to read and also it tells me that money is not the best thing in the world.

I first read this book in the third grade and still love it!!! I am in the eighth grade now and still enjoy it. It is very funny,and easy to read. One of my favorites!!!

I've read hundreds of books over the past five years, but this is without a doubt one of my top few. In fact, I've read and underlined it four or five times now. I guarantee you will laugh until you wake up your spouse! I did. You will also discover that the things that matter aren't really things at all, they're relationships. Though most of us know this already, few of us live that way, and therein lies the beauty of this book: helping us realize that the most rewarding life comes from living the way God intended us to, investing in others, and walking with God.

I picked up this book in the airport, needing something to keep me entertained during a particularly long flight. I finished the book during the plane ride home, then rushed to purchase the other books Phil has written. Phil Calloway has a knack for driving home important points without being overly preachy or condescending. I laughed, I cried...but most importantly, I came away with a better sense of what's really important in life.

I work as a Financial Planner and am very familiar with money matters. Phil Callaway has hit the nail on the head with this book. I am sure that everyone who reads it will immediately be "richer." This book is for everyone, young or old, rich or poor. I enjoyed this book immensely and would highly recommend it!

Being in the fitness business has many rewards as well as many challenges to meet. Most of us learned the ins and outs of this business the hard way. Thomas Plummer pulls no punches! He is truly a man who knows his stuff. My staff and I have used many of his techniques with great results. I recommend this book to anyone who sees themselves being a success well into the future.

Anyone that is serious about the gym business should read this book! The information is important to your bottom line. Owners, managers and other staff can all learn from this book.

I have been in the fitness business for 2 years and I 've been just breaking even, until I received this book from a friend that has a Gold's Gym. I was doing what was wrong with most gyms and trying to make it work. This book has given me a new perspective and by implementing just a few of the suggestions in this book, things are already turning around. My next 6 months should be very interesting. I would highly suggest this book for any owner even the ones that are making money, because you could always make more.

This is a good book with lots of good information. The book is great for persons without any knowledge of commercial real estate and is a good reference book for persons with experience in commercial real estate.

It is worth noting, however, that the much of the author's experience with investment real estate seemed to be during the 1970's decade. During that period of time there was hyper inflation in the real estate market. Often values and prices paid for real estate did not make much sense.

Some of the examples in the book refer to properties indicated to be worth several million dollars - and not exactly what you would call a small investment property.

However, the financial scenarios in this book are based on reasonably sound financial and economic theory. And the reasoning for the mathematical financial calculations seem to be fairly sound.

The book is a good buy for the price.<...

When I decided I wanted to learn more about commercial real estate investment, I bought a pile of books that claimed to be relevant and started working my way through them. This one was the ONLY one that I feel was really worth the read. It starts out by ascertaining whether the reader is truly ready to buy commercial real estate, taking a very prudent view of personal finances. It lays out everything worthwhile that any of the books on this subject lay out, and does so in a very readable manner. At the same time, it does not talk down to the reader or try to "dumb down" any of the material. I would suggest starting with only this book, and then buying other books (or talking to experts) in a more focussed manner, based upon what you find here. Incidentally, I haven't bought any commercial real estate yet, but I still intend to and I am trying to follow the advice of this book in preparing to do so.

This book was very simple to read, but jam packed with information. I not only enhanced my knowledge of real estate investing, but also got a refresher in economics. Masters discusses many tools and tips on the best way to get started and shares his experiences both good and bad. While he answered many questions that I had, he opened the doors to other questions I never thought of. I thought I was ready, but now I realize I still have some work to do.