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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.*

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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.*

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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.*

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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.*

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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.*

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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.*

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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.*

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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.*

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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.*
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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.*

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Book Review: The Legend of the Monk and the Merchant by Terry Felber

The Legend of the Monk and the Merchant“The Legend of the Monk and the Merchant” by Terry Felber follows Julio and his grandfather Antonio as his grandfather imparts wisdom on the young boy.  It is a parable that explains how to run a business properly with principles such as staying out of debt, taking responsibility, and keeping a budget.

This is a quick read that will take you an hour or two cover to cover.  It is an excellent story that is set in Italy.  Antonio, the wise grandfather, takes Julio through Rome visiting various characters that cause Julio to have those “a-ha” moments we all look for in life.

My personal favorite take away was that businesses making money is not a bad thing and that they need money in order to purchase products and services from other merchants and help the people in their communities.  It is the way that it is laid out in the book that I really enjoyed.

All in all I think this is a book any person in business or who is considering going into business should read.  The hour or so that it will take you to read it can change your business course for the better.

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.*
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Book Review: More Than A Bucket List by Toni Birdsong

More Than A Bucket ListThis will be my final book review for 2012. As we embark on a new year and a new journey I will be gearing up for things to come in 2013!

“More Than A Bucket List” by Toni Birdsong is a hardcover gift book that runs 278 pages.  It is divided into many different sections to give you various activities/adventures to pursue.  The purpose of the book is to help you get more out of life instead of watching it go by.  My take away from it:  PARTICIPATE!

When I first came across the title of this book it was something I instantly wanted an opportunity to review.  My job is to help people live their life to the fullest and breakthrough the things that are holding them back and this is part of what a “bucket list” is intended to do.

This book contains a lot of different lists including things to do, places to visit, and adventures to pursue.  I really like the variety that is presented and it made me think of some places I would like to visit.  I also like the “Real–Life Challenges” that are presented throughout the book for you to go out and try in real situations.

If you are someone who is in a pursuit to find things to put on your bucket list or to help you generate ideas I think you will get a lot of suggestions and direction from this book.  However, I would not recommend it for someone who is really looking to find or pursue their dreams and passions – I believe there are books better suited for that than this.

Understand this is intended to be a gift book and not something that you would necessarily walk into a book store and look for as a self help item.  It is an excellent little tome to be given as a gift for that someone in your life that is in place to really connect with what is being discussed.

If you would like to read more reviews or purchase the book you can do so from Amazon.

*Note: I received a copy of this book at no charge in exchange for my honest review.*
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Book Review: One Big Thing by Phil Cooke

One Big Thing by Phil Cooke

The book is about your “One Big Thing” or OBT.  Basically, what is the one thing you were put on the earth to do is the question it seeks to solve.  Why be average at a bunch of things when you can be great at your One Big Thing?  Phil Cooke takes you on a guided tour to discover what your OBT is and how to get out of some of the clutter that is around you.

I found that in this book there was not a lot of new ground covered for me.  Admittedly, I read much more of this genre than what the average person does, however, I found it to be a very easy and enjoyable read.  Phil Cooke has a writing style that is comfortable and makes you feel like you are having a conversation.  The book does accomplish it’s mission which is to help the reader bring focus into their lives.

“One Big Thing” does make you think and challenges you to look at your life and where you are.  What is it that you are passionate about?  What is it that you want to do with your life?  And once you have found those answers it shows you how to focus in on it and take steps in the right direction.

My favorite part of the book was the epilogue titles “You’re Not Crazy.”  I absolutely loved the story of Georg Friedrich Handel.  This part of the book reinforces on of the other chapters and goes to prove that you are never to old to accomplish what you were born to do.

I also highly enjoyed the quotes throughout this book.  I love good quotations and this one is packed full of them.

I would recommend this book to anyone looking to focus their life or who needs helping finding what to focus on.  Mr. Cooke has written a book that is easy to relax with and is enjoyable to read.  I look forward to reading his previous book “Jolt” in the near future.

To read more customer reviews or purchase the book visit Amazon.

*Note: I received a copy of this book at no charge in exchange for my honest review.*
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Book Review: The Art of Selling Yourself by Riccoboni and Callaghan

The Art of Selling Yourself“The Art of Selling Yourself” is a book written by Adam Riccoboni and Daniel Callaghan of MBA & Company.  It was originally published in the United Kingdom under the title “Buy Me!” in 2011.  The content of the book is, as you might tell, about how to sell yourself in business situations such as interviews, ideas and public relations and how to sell yourself if you are an entrepreneur and needing to sell your concept to potential markets.

Riccoboni & Callaghan outline ten steps to take to sell yourself:

  1. Self-Belief and Confidence
  2. Personal Preparation
  3. Personal Presentation
  4. Communication
  5. Empathy
  6. Under-Promise and Over-Deliver
  7. Going the Extra Mile
  8. Overcoming Setbacks
  9. Managing the Media
  10. Leadership

The book contains exercises to complete to help you focus on your qualities and unique selling points and takes you step by step from there to show you how to present yourself in a way that people want to buy you (your services, idea, or work with your company).

While some of this book is not ground breaking or new to this genre I did enjoy it quite a bit.  I think everyone will get many takeaways and the book will help you develop confidence, show you how to network, show you how to have a conversation with someone in a way that you can better relate, get out of your comfort zone, and get up from setbacks and move on to the next sell.  I also like the step by step format which makes this an easy read and helps you work on one concept at a time.

One of the most interesting parts for me are the case studies.  Profiles of Sir Richard Branson, Oprah Winfrey, and Jeff Bezos were my favorites out of the the ten included in the book.  You have an opportunity to see, in a few pages, how these business masters started out and see where they have come today.

I would recommend this book to anyone who needs to sell themselves in any area of their life but especially in business.  From selling yourself to a potential employer to selling your project to an investor this book will show you how to begin and that is with yourself.  I will have this on by bookshelf as a resource to continue to look back on.

To read more customer reviews or purchase the book visit Amazon.

*Note: I received a copy of this book at no charge in exchange for my honest review.*
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Book Review: Wisdom Meets Passion by Dan Miller & Jared Angaza

Wisdom Meets Passion

Something drew me to this book when I heard about it and I am glad that it did.  “Wisdom Meets Passion” is a book about moving forward and doing something you are passionate about in your life.  Why live in the mediocrity of the cubicle that you hate when you can use the wisdom you have gained during your life with the passion in your heart to pursue your dreams?

“Wisdom Meets Passion” is a collaboration between Dan Miller and his son Jared Angaza.  The two compliment each other while giving the text their own perspective.  If you have read either of Dan’s other books you are in for a change.

This book is an easy read and if you have ever listen to the “48 Days Podcast” you can hear Dan Miller’s voice while you are reading it like he is talking to you.  Why?  Because he is.  It is a wake up call to a multitude of people who are not doing what they love to do, are pursuing careers to make someone else happy, or because they think it is what is responsible “adult” thing to do.

This is not a career guide like “48 Days.”  This is a “get off your butt” guide that really helps with that push to get you going.

Jared’s points of views from living in Africa are excellent and fit very well in this book.  I would love to see him write a book of his own about his journey growing up to where he is living today on the African coast.

I would highly recommend to anyone who is stuck wishing or dreaming they were doing something else with their life.  Working with a non-profit, wanting to open their business, or ready to change the world?  Pick up this book for a kick start.

“Start with what you have. If you wait until you have the confidence you need to do a job search, the education you need before you are a great candidate, or the money you need to start a business, you’ll never start anything. Start today. Start walking toward your ultimate success.” Dan Miller

To read more customer reviews or purchase the book visit Amazon.

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