Book Review: Smart Money Smart Kids

Smart Money Smart Kids

“Smart Money Smart Kids” by Dave Ramsey and Rachel Cruze is a book about how to raise your kids to win with money.  I was excited when I heard this book was coming out and am happy to be able to review it.

The advice is age specific which gives parents helpful suggestions to use with their own children.  If you have read “The Total Money Makeover” you will not see a lot of new in this volume other than the suggested ages to talk about finances.  It is put together different, obviously, in order to keep your children from going into debt to begin with rather than trying to dig them out of debt.

My favorite part of this was hearing the Ramsey stories from Rachel’s perspective.  If you have listened to the radio show for any length of time you have heard Dave talk about family stories.  Hearing Rachel’s side was quite interesting to me as she was the child on the other side of the talks.

All in all it was a worthwhile read for me even though I have read his other books and gone through Financial Peace University.  I would definitely recommend it if you have a child and you want some suggestions on how and when to talk to them about certain aspects of money management.

For further information or to see other reviews visit the book’s page on Amazon.

*Note: I received a copy of this book at no charge in exchange for my honest review.*

Review: The 21 Day Financial Fast

The 21 Day Financial FastAbout the book: “The 21 Day Financial Fast” by Michelle Singletary is “a field-tested financial challenge. For twenty-one days, participants will put away their credit cards and buy only the barest essentials.”

The whole idea is that you do not purchase anything other than necessities for 21 days. Nothing. This allows you to save money and see where you are wasting money. The idea being at the end of the fast you will have learned how to make lasting changes to your financial situation for the better.

My favorite part was the idea of having both an “Emergency Fund” and a “Life Happens Fund.”  The emergency fund is used for 3-6 months or more of household expenses in the case of a loss of income. The life happens fund is for when the car breaks down or the stove goes out and needs replaced and the author recommends $700-$1000 in that account. It allows you to be thoroughly prepared for both situations.

I did not agree with the way the author presented the material in some cases.  There are sections where the text comes off judgmental (such as the chapter on entitlement) or other places where the author seems to be trying to make the reader feel bad in order to make a change.  I would like to believe that the author’s intent was not to come off this way but it certainly changed my mood and opinion of the book in those sections.

Finally, if you have read “The Total Money Makeover” by Dave Ramsey or other similar books you will get very little, if anything, new in this book other than the 21 day concept.  I think this concept is worth taking a look at the book and can be a helpful tool to those who have trouble controlling their spending habits or need help shedding some light on their habits.

All in all it is a great concept with potential that came up short.

For further information or to see other reviews visit the book’s page on Amazon.

*Note: I received a copy of this book at no charge in exchange for my honest review.*

Review: Play Your Bigger Game

Play Your Bigger GamePlay Your Bigger Game by Rick Tamlyn is an interesting way to look at life as a game.  The publisher says it “was created to counteract that self-limiting, fear-based approach to life.”  If you are living your life in this manner then I think this book is for you.

What the book describes is a game board containing nine squares.  Within these squares are different ways to categorize the situation you are in (or season of life if you will).  This gives a person a go to method for interrupting their limiting beliefs/patterns.  Instead of saying “my life is falling apart” you can take a quick look at the game board and decide to say “I need to assess this and check with my friends.”  Doing this helps give clarity and helps you see things as they really are.

While some things feel repetitive in the text I think a person can learn a lot from reading it.  I would recommend it to anyone who wants to keep better track of where they are in life.  This lets you see where you are and decide your next move into the future.

For further information or to see other reviews visit the book’s page on Amazon.

*Note: I received a copy of this book at no charge in exchange for my honest review.*

Review: The Total Money Makeover Classic Edition

TTMM Classic EditionThe Total Money Makeover by Dave Ramsey is a classic text on how to eliminate debt step by step and why you would want to do such a weird thing.

The book is broken up into the seven baby steps which are:

* $1,000 Starter Emergency Fund
* Paying Off Debt with the Debt Snowball
* 3 to 6 months of Expenses in Savings
* 15% of Household Income to Retirement Accounts
* College Funding
* Pay Your Mortgage Off Early
* Build Wealth and Give

Dave not only give you instructions that work but also explains why he recommends doing things in the order given. There are several examples of families that have gone through the steps woven into the book so you can see that real people have made a real difference in their life.

I can’t say enough good about this book. It is a game changer for many people and I have seen the principles here turn on light bulbs for people through Financial Peace University. It is a common sense approach for managing your money written in a quick and easy to read style. It has budget worksheets in the book that you can use to help you along the way.

With all of that being said I will tell you that even following the plan the journey isn’t always easy. There will be difficulties here and there and when that happens you just have to keep pushing forward. I promise you it is worth the effort! I ordered my first edition of this book in 2010 somewhat by accident. When it arrived I read it anyway and it began a change that has lasted ever since in my family. It taught us how to be much more financially responsible and for that I thank Mr. Ramsey.

Lastly, this book is not for everyone. You really do need to be ready to take charge of your finances before this book will be of help to you. Also, in full disclosure, while I agree with 98% of what is taught there is that 2% that I think people need to make their own judgements on. That being said, his plan does work and I would recommend for anyone to try it and make adjustments where they feel it is needed in their own life.

For more information, other reviews or to purchase check out the book on Amazon.

*Note: I received a copy of this book at no charge in exchange for my honest review.*

Book Review: Boundaries for Leaders

Boundaries For LeadersBoundaries For Leaders by Dr. Henry Cloud is the second of Dr. Cloud’s books that I have had the pleasure of reading.  It is clear, concise and if you take the steps outlined you can make dramatic changes your in your life at home and at work.

From the press release: “In Boundaries for Leaders, clinical psychologist and bestselling author Dr. Henry Cloud leverages his expertise of human behavior, neuroscience, and business leadership to explain how the best leaders set boundaries within their organizations–with their teams and with themselves–to improve performance and increase employee and customer satisfaction.”

I honestly think this book could change an entire company for the better.  With over a decade of experience with a 300+ person business location I can tell you that I have seen many of these principles work in person.  I do not think it matters whether you have 5 or 500 on your team this book will help you lead better, build culture, and keep the negativity and energy draining annoyances at bay.

I highly recommend reading this book and absorbing what is taught.  While it did start out a bit slow for me it quickly picked up in Dr. Cloud’s style.  You can’t go wrong here – pick it up and be “ridiculously in charge.”

If you would like to get other points of view or purchase the book you can do so on Amazon.

*Note: I received a copy of this book at no charge in exchange for my honest review.*

Book Review: Keep Your Eye on the Marshmallow

Keep Your Eye On The Marshmallow

“Keep Your Eye on the Marshmallow” is a follow-up book to two previous releases that discuss the “Marshmallow Principle.”  It is written by Joachim de Posada.  *Note:  I have not yet read the first two books and it is not necessary to have done so to read this one.*

I really enjoyed the parable and I believe you can get a lot out of this book.  It really puts into perspective delaying gratification and why you should do so.  It also shows work-life balance which I often see as a problem in our hustle, on the move, world.

Arthur, the main character, is easy to like.  You probably know an Arthur or you may be him yourself.  He is a go getter that goes out and does a great job.  However, he is stagnant and doesn’t want to take that next step toward greatness.  He fears losing his family and seeks council where you really get into the meat of the material.

After the parable de Posada gives us Shawn Achor’s five actions to take everyday.  I think this is something great that goes right along with the book and it stood out to me because I do most of these things but it shows me that if I do the couple that I have not started that I can make a huge difference in myself.

The book is a quick and easy read.  I would recommend this book to anyone who feels they have problems with self-discipline or want to get ahead but just aren’t sure what is stopping them.

If you would like to get other peoples point of view or purchase the book you can do so on Amazon.

*Note: I received a copy of this book at no charge in exchange for my honest review.*

Book Review: Is College Worth It? by William Bennett and David Wilezol

Is College Worth It“Is College Worth It?” by William J. Bennett and David Wilezol goes into detail about why college needs to change and the fact that it isn’t the right choice for everyone to go through a 4-year college program.

I have to say this book was amazing.  It talks about many views that I have expressed over the last decade and I think they hit it out of the park with this one.  Bennett and Wilezol backup their findings with statistics including the large amount of unemployment that nags at the recently graduated.  Most importantly they talk about the huge amounts of debt that plague those who don’t even make it as far as graduation.

Higher education does not necessarily mean a 4 year undergraduate program.  For many it may be a trade school, apprenticeship, or certification program.  If these alternatives to a college get you into a job that you enjoy doing then by all means go for it.

Let me stress that this book is not 200 pages of “do not to go to college”.  It is, however, a book that tells you that you need to research going to college in detail including what you are going to study, what schools will prepare you best for that study, and at the best price for the money you are going to put into it.  The college goer also needs to research whether careers are available to them in the field that they are wanting to go to college for.

I highly recommend that every high school student and parent read this book.  You will be much better prepared to make a decision on how you want to pursue higher education.  It shows other options rather than a traditional 4 year program that in many cases can make you more money over your lifetime than a BA.

If you would like to get other peoples point of view or purchase the book you can do so on Amazon.

*Note: I received a copy of this book at no charge in exchange for my honest review.*

Book Review: Love No Matter What by Brenda Garrison

Love No Matter What

“Love No Matter What” by Brenda Garrison is a book that talks about loving your children regardless of the decisions they make in life and whether or not you agree with those decisions.

The book comes from Garrison’s own struggles with her daughter Katie who also contributes to the book.  She talks about various social problems from her own daughter wanting to move out before they thought she was ready to kids who have drug and alcohol problems.

I think there is some good advice in the book, however, I feel there is to much suggestion to be passive.  One example was when Katie told her parents she was going to move out.  She asked for her college money that her parents had saved in order to pay her living expenses.  The reason given in the book to give her the money was “It was time for Katie to learn some hard lessons and for us to let her go – college money included.”  In Garrison’s own words she says they could have withheld the money but it would have been a moot point.  It may have been a waste of time to argue the point but as a parent I am not going to fund something I think is wrong for my child.  While I may not be able to stop them from doing things I disagree with once they are older I sure don’t have to finance it.

Children grow up and make mistakes but the way the examples in this book say to handle them suggests that we should just watch them fall in order to save the relationship with our children.  I think this is a broad statement to make as every parent’s relationship with their child is going to be different than the next and to infer that providing your guidance and advice might harm the relationship so we should sit on the sidelines and watch I think is a wrong suggestion.  Yes, sometimes you have to let your kids fail in order for them to learn but that doesn’t mean you don’t offer the advice or just agree to allow them to do something just to avoid conflict.

While my biggest critique is a large one I feel that some valid points are woven throughout the book.  “It is what it is” is a great message for parents to relieve guilt they may feel when their child has done something they feel like they taught better.  The book drives home the message that our children will grow up and are not copies of ourselves so we cannot expect them to do things like us and when they do something we don’t agree with it isn’t necessarily because we didn’t do something right as a parent.  Children grow up and have personalities of their own and no matter how close to perfect (can you get close to parenting perfectly?) you can parent you cannot change that fact.

If you would like to get other peoples point of view or purchase the book you can do so on Amazon.

*Note: I received a copy of this book at no charge in exchange for my honest review.*

Book Review: How To Say It: Creating Complete Customer Satisfaction by Jack Griffin

Creating Complete Customer SatisfactionThis book is about how to sell and keep customers satisfied.  It is a thorough book going through the sales process all the way through handling with customer complaints about your product.  It also has lists of suggested words to use and words to stay away from which can be a great help to those who are writing marketing material.

I find the book to be a great reference for anyone whether you would consider yourself in sales not.  Even person at the customer service desk in a retail store can learn a great deal from this book.
I think the most important point that anyone can take from this text is to take care of your customer.  While this seems obvious I run into many companies that forget this fundamental lesson.  If each person who reads this book can grasp this one lesson along with the concepts presented you can win in business.
There were two things that annoyed me in this book.  One was the typos at the start that gave me a bad impression of the book at first.  This does go away rather quickly so don’t let it turn you off from reading it as it seems confined to the first section or so.
The second thing were the examples.  There was not a consistent theme with the example letters and e-mails.  The “company” name changed a few time and the format of the examples changed.  While it doesn’t make anything away from what the book is trying to teach it does get a little aggravating at the back and forth between the changes.  It would be easier for people to learn the material if there were more consistency in this area.
As a whole I would recommend anyone who works one on one with customers to read and absorb this book.  You will get a lot out of it.
If you would like to get other peoples point of view or purchase the book you can do so on Amazon.
*Note: I received a copy of this book at no charge in exchange for my honest review.*

Book Review: Days Like These by Kristian and Rachel Anderson

Days Like These book cover“Days Like These: Even in the Darkest Moments, Light Can Shine Through” is a book of collected blog postings by Kristian Anderson and includes insights and information from his wife Rachel.

The book chronicles the journey of a young husband and father who goes to the hospital only to discover that he has liver cancer.  Kristian tells us what he is going through, good and bad, and his struggles with the fact that he could leave his family.

It is a very quick and easy read.  Kristian’s writing makes you feel like he is telling you the story (essentially he is).  If you have had cancer or been side by side with someone who has fought the fight you will see a lot of similarities in this book; things I am sure that you saw or fought with.  It is a first hand account and he doesn’t seem to hold anything back.  I find his truthfulness refreshing as he us up front about various aspects of his life.

My only criticism with the book is that the dates are missing in most of the text.  Since this was a printed version of his blog I would like to have followed everything by date to give me a better sense of where I was in the journey.  While it is possible to do so it is left up to the reader to figure it out with a sprinkling of dates throughout the text.

I enjoyed the book and I think it should be read by anyone who is starting their battle with cancer to see that there can be some positivity in a horrible situation.  Those who need some inspiration can certainly get it from Kristian Anderson.

If you would like to get other peoples point of view or purchase the book you can do so on Amazon.

*Note: I received a copy of this book at no charge in exchange for my honest review.*