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The Total Money Makeover: A Proven Plan for Financial Fitness

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Product details

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Audible Audiobook

Listening Length: 3 hours and 41 minutes

Program Type: Audiobook

Version: Abridged

Publisher: Thomas Nelson

Audible.com Release Date: November 7, 2003

Language: English, English

ASIN: B0000YSMPQ

Amazon Best Sellers Rank:

Besides the actual Bible, The Total Money Makeover is the financial literacy bible that many Christians follow. I've had my share of debt in my life. I had undergraduate and graduate subsidized student loans. I also had a 30 year mortgage, that my husband and I paid off in 6.5 years- well before reading this book, mind you. My husband also had undergraduate student loans and he took a car loan in college. At this time, we have no debt at all. We own our home, contribute to retirement and college savings funds, own our (new) vehicles, and we donate to charitable causes that are meaningful. We live frugally now so that in the future, we won't be tied down to working forever... or will we anyway, in order to have healthcare? But I digress.I get miffed with people who won't take responsibility for their financial choices. I've done without a lot of things that everybody else my age seems to feel is essential. I use coupons, buy secondhand clothes, we don't take vacations, I don't go to the salon, and I could go on and on. We do this so we can save for our future, our kids' future, and so that I can stay home with our kids- at this point, my whole paycheck would go to childcare anyway.Ramsey's advice is good for people who have absolutely no financial sense. It can get them on solid financial footing if they have the self-discipline to follow it. However, it's not going to make them rich. Some of the advice might not even be that helpful, say, if they want to buy a home but have cut up their credit cards and thus have no credit history. I know few people who can pay cash for their home... and I live in Ohio, which is not a pricey place to live.The book also makes a lot of references to Ramsey's other programs, such as Financial Peace University. I think he's trying to double dip by doing that. The book proclaims to be "total" so *all* the information needed to make over your finances should be here. You shouldn't have to spend another couple hundred bucks to get the rest of the pertinent information.Also, it's not Biblical to get rich, which is something that seems to be glossed over. The idea that everyone can make a killing by following Ramsey's financial advice isn't accurate, either. There are going to be winners and losers in the stock market. I'm going to pass this book along to a family member who declared bankruptcy a few years ago and is considering doing it again. Maybe it will help the family member get a solid footing on what needs to be done without passing the buck.Disclaimer: I received a free copy of this book in exchange for writing a review. I received no other compensation.

After years of hearing and reading about The Total Money Makeover, I finally grabbed myself a copy and read the whole thing in one night. While I would not call myself a Dave Ramsey fan, there was definitely value in the book. He has 7 steps he suggests moving through:1. Save $1000Pretty straight forward. You need a bumper for the small emergencies. Shit happens.2. Debt SnowballThe debt snowball approach is something quite valuable that took reading about in this book to fully grasp and get behind. It’s quite simple in its brilliance actually. You make a list of your debts from smallest to biggest (excluding mortgage) and focus all of your financial effort on one debt at a time (making only the minimum payment on all others), working your way down. Once you cross one off, you divert all the money you were paying on that debt to the next, with the payment size growing at each step. We only had 2 debts (1 car loan and the consolidated student loans) so it wasn’t too complicated. Still, it was helpful. I had been focusing on building the savings but diverted my attention and resources to stamping out the car loan instead. I can see how this technique could be life-saving for people who are overwhelmed with debtors.A main tenet of his book is that we can and should all be debt-free. There is a lot that resonates with me about living a debt-free life and this is a message I hope more people hear and get inspired by. Minimalism and debt-free are very good friends. Though I’m not dogmatic or militant about it. There are times when debt has been advantageous in my life but we don’t take it lightly, only entering into it consciously, with eyes wide open and a clear plan.3. 3-6 Months Expenses in SavingsBuilding up and maintaining a savings of 3-6 months expenses is the next focus only after all debts are paid. Companies go under. Employees get laid off. Freelance work experiences a drought. People get sick. Life happens. You need an emergency fund to get you through the hard times. In today’s professional climate, this is even more essential than in the past because the old working model of clocking in at 20 and retiring from the same company at 55 is dead. (I recently read The End of Jobs, which I recommend if you want to read more about that.) 3 years is actually the sweet spot in terms of job satisfaction and performance for being at a company. If you’re changing jobs every few years, the transitions can be sticky. You need a buffer.4. 15% to Retirement (401K, ROTHIRA, Mutual Funds Investing)There is one line he hammers throughout the entire book over and over again: “If you will live like no one else, later you can live like no one else.” He means that if you live a shitty life in your prime, you might enjoy a nice life when you are old and retired. Most of his examples throughout the book glorify families in which the parents work 3 jobs and rarely see their kids but by golly, they might have a nice savings if they make it to old age running themselves ragged. This is the heart of his philosophy and it’s one I completely disagree with. My philosophy is definitely more in line with Tim Ferris in that regard who urges you not to sacrifice your present for a future that may never come in the 4-hour work week (Ramsey actually even throws shade at Tim’s approach in this book). Particularly when there are children involved. My kids would rather have us present and be happy, healthy, rested, and homeschooling with a student loan floating out there than have us be absent working 3 jobs while they are in school and daycare with no student loan. These years are so important and while being debt free and financially healthy is a priority (we don’t use credit, we snowball, we budget, we save, we contribute to retirement), it is not the priority.5. College Fund (ESA funded in growth stock mutual funds)I appreciate that he does include a bit about college not being a golden ticket. If you want to read more about our approach to college for our 3 kids, check out Sage Homeschooling: Wild and Free.6. Pay off MortgageThis is where I hop off the Dave Ramsey train entirely. I know someone who had 3 houses paid off and then the real estate market crashed and they lost everything. I don’t plan to stay in the same house my entire life and I am happy to purchase a property with a mortgage, fix it up with a tight budget and lots of elbow grease, and sell it several years later when we are ready to move on to a new adventure (freedom of mobility). Also, the nation’s average income ($50K) paired with the cost of housing in a major city ($710K in Seattle), don’t line up for buying a house all cash. Again, his mindset around this is painfully outdated. The person he is talking to gets hired by Blockbuster out of college, works there 35 years, then retires and dies in their rocking chair on the porch. Norman Rockwell called and he wants his financial advice back. That is just not the world we live in anymore.7. Build Wealth (invest)He claims the only way to get rich is to invest in the stock market.Overall, it’s a book worth reading. The first 3 steps alone should be knowledge every teenager launches knowing. The philosophy is not my jam and I could certainly do without the patriarchal overtones and bible verses, but a quick and easy read that adds value nonetheless.I was hoping for some budgeting inspiration but found none in this book. I’m presently trying You Need a Budget. We’ll see . . .

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LilithBy Kaden Brown

Saved by the angel Samael, Lilith, the Dark Immortal, lives her life avenging evil and killing those who refuse to repent. Gaining her life-force from those she slaughters, there are those other immortals who see her as the evil one.

But when a human gets caught between herself and the Antediluvians who are bent upon destroying her kind, Lilith must make a decision she does not understand with consequences she cannot imagine.

  • Sales Rank: #791075 in eBooks
  • Published on: 2013-04-23
  • Released on: 2013-04-23
  • Format: Kindle eBook

About the Author
Kaden Brown lives in Christchurch, New Zealand where he studies, writes and works. He moved from the UK in 2008 where he worked full-time. Writing is in Kaden’s blood. Or so it seems. Ever since learning to read, he has written. From a short story about going shopping written as a toddler, to a story of meeting a lover, Kaden wants to tell his story, or any story for that matter that he can think of. Loving to discover hidden plots he can take the reader off on new unforeseen tangents, often surprising with the sheer horror, thrilling climax, or tear-jerking empathy. So Kaden loves writing. Obviously he loves his urban fiction, the stuff of witches, undead beings, immortals, vampires, angels and other creatures such as Si-Kee and Par-Tos, two of the terrifying Lessers capable of truly messing with anyone’s head. Yup, his characters are scary and seriously messed-up. Yet they are believable and we punch the air with joy when they come up trumps. despite their total lack of ethics, drug use, profanity and blatant promiscuity Kaden’s characters are, in many ways, the reflection of ourselves: in them we see our own failings, our own questions, our own confusions. Hence, he makes those people us. And the result is we want to fight for them, join in their fight, help resolve their issues. He may only be some guy who likes fine food, wine, good conversation and good coffee, but he is also a fan of fiction, an avid reader who admires the differing styles of the greats of contemporary fiction. Yet he reads many genre, but sticks mainly to mainly crime thrillers, and, naturally, urban fiction. The darker the better. Kaden’s stories include the autobiographical short “A Boy and a Girl” and the urban fiction “Rhesus A”. He is currently working on “O Negative”, the sequel to Rhesus A.

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No One Ever Taught Me How to Learn: How to Unlock Your Learning Potential and Become Unstoppable, by I. C. Robledo


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No One Ever Taught Me How to Learn: How to Unlock Your Learning Potential and Become Unstoppable, by I. C. Robledo

Review

"... as an educator for over 14 years I have found that many students do not understand the learning process or even know how to learn. The author does a great job of explaining learning without getting too bogged down in boring details... If I could make all my students read this, I would."- W. I., Educator with over 14 years of experience"I recommend this book to all trainers, students, and teachers."- Amazon customer, reader, Amazon.in"Great review / summary of which techniques work and don't work for learning."- L. Williams, reader, Amazon.com"Good for all ages. I will keep this in my family library for the benefit of my entire family. A must read."- Amazon customer, reader, Amazon.com"... contains up to date information clearly explained."- Amazon customer, reader, Amazon.com"I. C. Robledo gives useful tips on how to make your learning experience more productive and get the most out of the learning process. I will definitely be trying out his tips. Great book!"- El Prez, reader, Amazon.com"Very well written and truly practical to everyday life."- Andres Lopez, reader, Amazon.com"Great tools and resources for students."- Khonsura, reader, Amazon.com

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About the Author

I. C. Robledo is an internationally bestselling author who received his B.A. from Purdue University in psychology, and his M.S. from the University of Oklahoma in industrial-organizational psychology. His books are meant to help readers build their intellectual, creative, and mindful abilities.

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Product details

Paperback: 138 pages

Publisher: CreateSpace Independent Publishing Platform (March 20, 2017)

Language: English

ISBN-10: 1543273262

ISBN-13: 978-1543273267

Product Dimensions:

6 x 0.4 x 9 inches

Shipping Weight: 7 ounces (View shipping rates and policies)

Average Customer Review:

4.0 out of 5 stars

26 customer reviews

Amazon Best Sellers Rank:

#112,990 in Books (See Top 100 in Books)

The book reviews techniques to learn. Let me save you some time.1) Learn to teach new material2) Immerse yourself routinely in new learning material3) Visualization and mental reverse engineering of new material4) Regular formal and informal quizzing5) Learn through multiple senses/experiences/segmenting over time6) Set goals and keep the learning at a challenging level7) Enjoy the material or find ways to enjoy the material8) Formulate questions and seek answers actively9) Meditate on new information, sleep on new information, become one with new information10) Surround socially with like minded individuals11) Read (visual), write (cognitive), listen (auditory), participate actively(sensory experience), Imagine (creative process -short term memory), involve as many senses as possible and visualize the impossible12) Drink Water (hydrate), eat healthy (proper nutrition vegetables, legumes, fruits, nuts), moderate exercise (will assist mental and physical processes)13) Deep Sleep and Mental/Physical Recovery14) Perfect practice15) Drugs (use at your discretion)

Cheap production book, with advice that you could easily find online in a blogpost or two. A lot of rambling for not a lot of content.

There really wasn't enough "meat" in the book for people that are looking to improve how they can learn faster and better.

Nothing special about this book. It was clear that the author was not an expert, but simply one who google searches out to learn. If you've spent at least a day - no, an hour - reading up advice how to learn on the internet, Read a few pages of it, and you can tell. Mediocre even as review. It's not worth more than $2.

Very good self-improvement ebook. Well worth reading.

My husband loves this book

Great review / summary of which techniques work and don't work for learning.I enjoyed the book and am already putting it to use.One tip that surprised me was that highlight is not a good way to learn. That will be hard for me to give up!

I liked being able to read it immediately after I selected it. Thanks to your making it available in the cloud.I also enjoyed the book.

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  • Published on: 1930
  • Binding: Hardcover

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Pencak Silat: Through My Eyes: Indonesian Martial ArtsBy Pen. Herman Suwanda


Pencak Silat: Through My Eyes: Indonesian Martial ArtsBy Pen. Herman Suwanda


Free Download Pencak Silat: Through My Eyes: Indonesian Martial ArtsBy Pen. Herman Suwanda

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Pencak Silat: Through My Eyes: Indonesian Martial ArtsBy Pen. Herman Suwanda

This is a complete presentation of the principles and applications of one of the most effective martial arts styles, written by one of the most sought-after Silat masters of all time, the late Herman Suwanda. The book explores the art and science of this Indonesian combat method. There is a detailed breakdown of the offensive and defensive skills used in Pencak Silat, and the tactical elements of timing, distance, rhythm, cadence, and tempo. The unique principles and techniques of Silat as taught by the late Herman Suwanda are fully described in this authoritative book. It is a true gem by one of the legendaries masters of Pencak Silat.

  • Sales Rank: #292185 in Books
  • Brand: Herman Suwanda
  • Published on: 2006-10-01
  • Original language: English
  • Number of items: 1
  • Dimensions: 10.00" h x .82" w x 7.00" l, 1.45 pounds
  • Binding: Paperback
  • 343 pages
Features
  • ISBN: 9781933901039
  • Condition: New
  • Notes: 100% Satisfaction Guarantee. Tracking provided on most orders. Buy with Confidence! Millions of books sold!

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Download Little Victories: Conquering UnemploymentBy Tom Brophy

Download Little Victories: Conquering UnemploymentBy Tom Brophy

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Little Victories: Conquering UnemploymentBy Tom Brophy

Little Victories: Conquering UnemploymentBy Tom Brophy


Little Victories: Conquering UnemploymentBy Tom Brophy


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Little Victories: Conquering UnemploymentBy Tom Brophy

Unemployment industry veteran Tom Brophy has helped thousands of professionals negotiate the emotional and financial trauma of unemployment. Little Victories will guide you in dealing with the rejection and depression that comes with unemployment. Brophy identifies the three major sources of rejection, and shares techniques to get you back in the workplace. Your guideposts through the maze and uneasiness of unemployment, Brophy's proven principles create "victories" that lead directly to feeling better about yourself and improving your chances of employment. These principles, distilled from over 40,000 one-on-one interviews with unemployed professionals, have resulted in 92% back-to-work in 5.2 months. (The average unemployed professional is out of work for 13.5 months.) By creating "victories" and avoiding rejection, you can build confidence, reclaim your self-esteem, and return to being the proud and successful human being that you deserve to be.

  • Sales Rank: #3065460 in Books
  • Published on: 2010-05-05
  • Original language: English
  • Number of items: 1
  • Dimensions: 8.00" h x .21" w x 5.00" l, .22 pounds
  • Binding: Paperback
  • 90 pages

About the Author
Tom Brophy spent 18 years with the New Jersey Department of Labor in the unemployment division. Tom's mission in life is to help as many people as he can re-establish their professional and personal lives. Through his own experience of being suddenly out-of-work and through interviews with thousands of unemployed people, Tom has a unique understanding of the emotional issues of unemployment, and of the strategies required to create a healthy outlook and a more efficient job search. Tom explains: "In 18 years, I spoke one-on-one with thousands of unemployed people. In most cases, we met for an eligibility interview where I verified their claims and made sure they were doing everything necessary to remain eligible for their benefits. Like most rookies, I followed the procedure to the letter. I had my interview form and simply went down the list looking for job prospects, phone calls, contacts made, and other customary procedures. "As time passed, I discovered I had a lot in common with the 'first timers.' I had owned my own business for more than 20 years. When it closed, I was devastated - and I had no idea how to get through each day, much less find a job. With no energy or self esteem, I felt unwanted and scared. How ironic it was to land a job through networking with friends in which I spent each day hearing the same pain I'd felt myself only months before. "As I grew more comfortable as an interviewer, I'd ask, 'How are you feeling?' or 'How do you spend your time?' Candidates who sensed that I was genuinely interested in them often broke down and cried. They were hurting and disoriented. They were somewhere they'd never been before, yet they were expected to fall into place and accept their plight. "Because I truly cared, I developed a program called Transition Layoff Counseling, and I would suggest that certain candidates attend my weekly seminars. Each week, I spent 90 minutes providing feedback and instructions based on the one-on-one interviews. Afterward, I tracked their progress. To my amazement, 92% were back to work in 5 months. "I went on to become the manager of the local office over the next 15 years, but I never forgot the gut-wrenching feeling of becoming unemployed. I've helped thousands of people by implementing the principles in Little Victories, and I hope that this book will help you establish your own string of victories, a new job and a happier life."

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Ebook Art and FeminismFrom Phaidon Press

Ebook Art and FeminismFrom Phaidon Press

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Art and FeminismFrom Phaidon Press

Art and FeminismFrom Phaidon Press


Art and FeminismFrom Phaidon Press


Ebook Art and FeminismFrom Phaidon Press

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Art and FeminismFrom Phaidon Press

This volume presents the rich diversity of art informed by feminism. It exposes assumptions about gender, politicising the link between private and public, and stressing the specificity of art marked by gender, race, age and class.

  • Sales Rank: #152628 in Books
  • Published on: 2012-04-02
  • Original language: English
  • Number of items: 1
  • Dimensions: 11.50" h x .63" w x 10.00" l, 2.26 pounds
  • Binding: Paperback
  • 204 pages

Amazon.com Review
No question about it, Art and Feminism is the basic reference book for feminist art. Part of Phaidon's excellent Themes and Movements series, it surveys three decades of a tumultuous history with a brief but inclusive essay, reproductions of works by 155 artists, and lengthy excerpts from groundbreaking texts by artists and theorists. The challenge posed by a movement that spans several artistic generations and includes many contentious players is ably met by essayist Peggy Phelan, professor of performance studies at New York University. She illuminates the intertwined workings of feminist politics and literary criticism, psychoanalysis, race and queer theory with clarity and a refreshing absence of doctrinaire pronouncements.

The illustrations are organized chronologically under sometimes quirky headings, beginning with "Too Much" (late-'60s performance pieces by such pioneering figures as Carolee Schneemann, Miriam Schapiro, Eva Hesse, Louise Bourgeois, and Yayoi Kusama). The final section, "Femmes de Siècle," contains work from the '90s by Coco Fusco, Kara Walker, Mona Hatoum, Jenny Saville, and others exploring "collective memories ... and traumas." Essays range from the raw invective of Valerie Solanas's "Scum Manifesto" (1967) to the reasoned arguments of Adrian Piper's "The Triple Negation of Colored Women Artists" (1990). While some may argue that the book could be more inclusive--it deals overwhelmingly with women artists who exhibit in major Western cultural centers--it offers an unparalleled breadth of reference. Irked by the perfect bodies of many feminist artists who use nudity in their work, I was struck by the poignancy and honesty of Hannah Wilke--a glamorous figure in '70s and '80s performance art--who chose to memorialize her bald, bloated self in photographs months before her untimely death from cancer in 1993. --Cathy Curtis

Review
"Art and Feminism is a handsome, meaty volume which provides an excellent overview or the influence of feminist theory and politics on four decades of art my women artists...The sheet heft of lavishly produced images will be indispensable to scholars, critics and artists."- Art Monthly

"Immensely important...a valuable resource."- Contemporary

"Long overdue...an indespensable read for everyone."- i-D

"Beautifully designed, it is the first fully illustrated, comprehensive survey of key feminist works and texts."- The Art Newspaper -- This text refers to an alternate Paperback edition.

About the Author
Helena Reckitt is an independent writer and arts organizer with a long-standing critical research interest in feminist art and theory. A former commissioning editor at Routledge, and head of talks at the Institute of Contemporary Arts, London, Reckitt was Curator at the Atlanta Contemporary Art Center, Georgia 2002-2005. She was co-editor, with Joel Oppenheimer, of Acting on AIDS: Sex, Drugs, and Politics (1998) and curated the exhibition 'Found Wanting' (Atlanta Contemporary Art Center, 2000). Peggy Phelan, a leading feminist theorist of contemporary art and performance, has written extensively on contemporary visual arts and performance from feminist pscyhoanalytic perspectives. Phelan taught in the Department of Performance Studies, Tisch School of the Arts, New York University from 1985 to 2002 and is currently the Ann O'Day Maples Chair in the Arts and Professor of Drama and English at Stanford University. She is the auhtor of Unmarked: The Politics of Performance (1993), Mourning Sex (1997) and co-editor of The Ends of Performance (1998). From 1997-99 Phelan was the recipient of a project fellowship from the Open Society Institute of the Soros Foundataion's Project on Death in America.

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