| A Savage Factory by Bob Dewar, former Ford Motor company plant general foreman 10 Tough Money Tasks for 20-Somethings by R.D. (Pat) Norton |
 Ask and You Will Succeed By Ken Foster has been an Amazon.com best seller. The book presents the life-changing questions that lead to reclaiming or creating one's wealth, professional momentum, personal happiness and fulfilling relationships.  The New Era of Financial Success Don Redinius has taken proven business improvement techniques, leadership principles, self improvement and personal finance techniques to create a methodology for improving personal and financial success. |
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 by Mike Schiano, CPFC, CRHC "A Complete New Approach to Retirement and Investment Planning That Really Works" Spend Your Way To Wealth is an effective "how to" guide to living a more extravagant lifestyle on less - through judiciously monitoring personal shopping for the specific purpose of saving money on the essentials. From paying less on mortgage interest; to avoiding dealer markups on a new car; to getting the best deals from the internet; to taking advantage of buying clubs; to negotiating prices with salespeople, and so much more, Spend Your Way To Wealth is a satisfying, practical, "user friendly" instructional manual to skillfully stretching the dollars while living well. -MidWest Book Review |
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 Street Smarts: Want to get back at unwanted telemarketers? Sue 'em! By Attorney Steve Ostrow Ostrow takes great pleasure in busting telemarketers and people who send junk faxes. He’s sued and won ten lawsuits and he’s written a step-by-step to guide to make it easier for the rest of us to sue telemarketers. His new book How To Sue A Telemarketer - A Guide to Creating Peace On Earth One Telephone Call At A Time assembles and simplifies the very best strategies and tactics that the average citizen can use to minimize telemarketer intrusions. He explains everything a person needs to do to take a relentless telemarketer to small-claims court. Unwanted telemarketing calls and faxes can be fun and profitable, says attorney Steve Ostrow. ?It’s actually pretty easy to take them to court and win. Ostrow says that to get telemarketers to stop calling you the first and most important thing to do is to get on the U.S. Government’s Do Not Call Registry operated by the Federal Trade Commission at WWW.DONOTCALL.GOV or call toll-free, 1-888-382-1222 (TTY 1-866-290-4236). The key is to call from the number you wish to register, regardless of whether it is a landline or a cell phone. Registration is free. Then the next time a telemarketer calls, if all you you’re looking to do is get the telemarketer to stop calling you, once you have them on the line simply say ?Place me on your no call list? and then hang up. To a legitimate telemarketer, these magic words inspire instant compliance and they know they cannot return calls without facing legal repercussions. The real fun, this high energy litigator says, ?begins 31 days after your phone has been on the Do Not Call Registry and you get another unwanted call from a telemarketer. That’s when you can take them to court for calling you?. Ostrow says that to prevail in small claims court, you need to acquire some crucial information. Ostrow advises that instead of letting a telemarketer go through their script, interrupt them and say excuse me, can I ask you for some information? Then as quick as you can, get the name of person calling, the name of the organization they are calling from, their address and phone, and what they are trying to sell you. Then you then need to do a little bit of research to verify the legal name of the telemarketer. The toughest thing a person has to do is to get the proper legal name and address, Ostrow says. This can usually be done by calling the company, searching on the Internet, and checking with the appropriate State Department of Revenue or Licensing or the County Recorder's Office. Once you have that you can file a small claims action and serve the papers ? usually by certified mail. Voila! You don’t even need an attorney. In fact, lawyers aren’t allowed in small claims court. If you’ve done your homework, you’ll win your case. Under the Telephone Consumer Protection Act a judge can award $500 for each violation and you can even seek multiple violations all at the same time. Sometimes, even just filing a small claims court action will result in a call and an offer to settle for the full amount, Ostrow said. Steve Ostrow's guide book contains all the details, tactics, guidance and sample forms needed to go to small claims court against an unwanted telemarketer and make them pay. How To Sue A Telemarketer A Guide to Creating Peace On Earth One Telephone Call At A Time By Steve Ostrow Published by Amigo Press. Available at bookstores online. For more information http://howtosueatelemarketer.com ###
What separates rich people from the middle class? Steve Siebold, the world renowned mental toughness expert, says it’s the way people think about money. In his new book, How Rich People Think, Siebold breaks down 100 differences in thinking between how rich people look at money versus how the middle class looks at money. The differences are not only numerous - they’re extreme! ###
In every family, one of the great revelations in life is realizing that someone has to take charge of the family finances. Whether it's the husband or the wife doesn’t really matter. They recognize that financial stress is a constant issue and they take responsibility for keeping the ship afloat. They deal with the issues that inevitably arise they make the money decisions. That person is the Family Chief Financial Officer (or the CFO). Folsom, California based financial planner Scott Feher is author of the new book, Your Life and Your Money, Putting Your Financial House in Order. Running a family’s financial affairs is like running a business, he says. The family CFO needs to create a family mission statement, track monthly cash flow and expenses, review periodically to avoid overspending, take full advantage of legal tax breaks, and work with professional people hired to assist the family like accountants, lawyers, and financial planners. Scott’s book offers up a whole set of tips and strategies on how to perform family CFO duties successfully step by step. Here are just some of the incredibly powerful strategies he recommends for people. Create a Family Mission Statement Each family needs to understand what the family finances are all about so the first thing every family needs is a MISSION STATEMENT. As hokey and awkward as this may seem, Scott says that writing down the goals and dreams of the family is one of the most powerful steps you can take. You get a notebook and you identify what you want your goals to be and be brave and even set dates for achieving those goals. You list things like paying off the house, putting kids through college, saving money for retirement, having money for one or two trips or vacations each year and so forth. Know Your Expenses The most important job of the family CFO is to know the family expenses inside and out. Open up your checkbook and review your credit card statements for the last three months or more. Study what money is being spent on. Figure out the monthly bills and expenses. Understand where your money is going. Analyze Your Expenses Once you’ve organized your expenses then you can identify every opportunity to lower the costs of each of those starting with the biggest ones first. Identify every interest bearing item. Then go shopping and go look for the very best mortgage companies, auto and student loans, and car, boat and homeowner's insurance you can find. Don’t let old friendships or concerns about hurting someone’s feelings get in the way of saving money. Just remember that your old time insurance agent or financial planner doesn’t pay your bills. As CFO you get to fire people who don’t produce value or cost you too much money. You get to hire people who deliver best value and the best rates. Hold Regular Family Finance Meetings Every months or so, the CFO must meet with the Vice President of Family Affairs (Your Spouse) and all employees (kids). The purpose of the meeting is to conduct a formal review of expenses and bank balances. Each family meeting should have an agenda that covers the review of each key component of the family mission statement and budget. The goal of the meeting is to make sure everything is going according to plan. The end of each meeting also includes a discussion of the question: How can we save more money? Decisions made are documented in writing with tasks, responsibility and dates for completion of actions identified. Institute a Family Reward System To get everyone in the family involved and committed to achieving progress, reward people based on the money saving ideas developed and deployed. Bonuses and rewards should be based on ideas, practices and decisions that lower expenses and actually save or make the family money. Examples: Make a list of chores and assign duties, then eliminate the cleaning lady. Study the Internet for quick and easy recipes, cook at home and go out to restaurants half as much. Take up walking or running and quit the health club. Do research to identify the best cell phone packages. Reward the family out of the money saved by making changes in how money was spent in other areas (water, garbage and recycling, or going to a better Internet TV package). Manage the Family Net Worth The Family CFO has the responsibility of managing assets and liabilities and to make sure that the family net worth stays healthy. One of the most significant and most difficult decisions to make is to be brutally honest with yourself and your ability to manage your family financial affairs. If you have numerous types of property and assets that you may best enlist the support and help of a Financial Advisor. If your finances get too complex, or if you are not skilled enough to do all the things that need to be done, Scott says, then a good financial planner will help you unravel the mysteries of your assets and liabilities and help you make the best decisions. Know what's going on with your money, where it is going and how it is invested. That’s what you and your family deserve. Your Life and Your Money, Published by The Business Institute For more information visit www.yourlifeandyourmoney.com Scott Feher is a professional Financial Advisor with Centaurus Financial in Walnut Creek and Sacramento, California. He lives with his wife and three boys in Folsom.
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New Financial Advice Book for U.S. "Millennials” "Start Here: Getting Your Financial Life on Track" 10 Tough Money Tasks for 20-Somethings Millions of young adults are entering one of the toughest job markets in more than two decades. Unfortunately, many (if not most) “20-somethings” have little or no experience dealing with the broad range of financial matters that will now confront them: rent, credit card bills, insurance, student loan payments, and, later, couple finances and starting families. The American Institute for Economic Research (AIER) seeks to remedy that with a new book, “Start Here: Getting Your Financial Life on Track,” written specifically for those that are just getting started, as well as those starting late. “Many personal finance books are too complicated or are written for individuals further along in their careers,” says Author R.D. (Pat) Norton. “Our book is written specifically with '20-somethings' in mind, young women and men who don't always know what they don't know. If they read ‘Start Here,’ they will at least understand what they need to know and they will know how to proceed.” The easy-to-digest manual, with quick reference lists and contact information, provides a nuts-and-bolts approach to helping “Millennials” solve existing financial problems, avoid future problems, and organize and take command of their financial lives. It discusses 10 specific tactical issues: 1. Paying Your Bills on Time 2. Temptations: Credit Cards, Debit Cards, ATMs 3. Your Credit Score—And What to Do about It 4. Identity Theft 5. Car Costs—And Insurance 6. Staying Alive—Health, Disability and Life Insurance: 7. How to Avoid Financial Fraud 8. Couples and Money—Outsmarting Conflict 9. Retirement Planning in One Lesson 10. Where Do You Want to Live? |
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