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How to Cope with Financial Anxiety

Mountain Rose Herbs - Epicurean Art Redefined. A herbs, health and harmony company. Since 1987
financial anxiety, financial abundance, money affirmations, zero point field, law of abundance, the secret law of attraction, prosperity secrets, ester abraham hicks abundance, Bashar abundance
Coping With Financial Anxiety, Debt, & Loss, with Spirituality



Certainly in the world, the way it is designed, there is no ongoing free lunch or dinner or anything like that. A child may wonder why work? Why not simply go to a place that hands out $20 dollar bills by the dozen? Of course, extreme inflation would quickly take over if we were all simply handed out money instead of having to work for it. However, the raw materials are, in a sense provided for free, but it often remains hidden in the ground or up in a tree somewhere. Most of the time there are enough raw materials provided by Mother Earth for most people everywhere to use to create or grow whatever is needed, however, the extraction of minerals and the harvesting of crops is still a huge commitment of time and labor even if done mechanically.



RELATED PAGES:    Lester Finds the Answer    Dimensions of Living    Power of Intention    Our Ultimate Reality    Law of Abundance




Superhealth Through Modern Alchemy
We are dependent on each other in a vast system or economy where each and every one of us in our own way must provide some service of some kind or find it very difficult or impossible to make ends meet. We are born into a world that has little or no room for non-productive people, therefore those who ever find themselves in a situation where either work is too hard to find or have too limited an ability to be productive are naturally going to be subject to great hardship and be at the mercy of government hand-outs and/or others' wit and whim. However, it is naturally impossible for life to go on if everyone in the world simply sat down and stopped working at their profession or occupation. In a similar manner, if the heart stopped working or the lungs stopped working the organism must stop functioning too, being completely dependent on the circulation and breath.

So how does one overcome financial anxiety in the face of such overwhelming facts of life? One of the first things one must realize it that all things, no matter how real or solid they may appear to be, and all situations (events), no matter how serious are all made up of trillions of atoms which in turn are made of energy or trapped radiation manifesting as particles in a grand quantum matrix of thought. The great Indian yogi, Paramhansa Yogananda (1893-1952) said that modern day physicists are discovering that the entire universe is turning out to be more and more like a great thought rather than the great mechanism it was once assumed to be. Quantum physicists in the 21st century have found out that consciousness, thought and matter are all the same thing.

This concept could mean that the entire economic system is a manifestation of Divine Law entirely dependent on the universial guiding principle of logic (cause and effect) in action. Consciousness, thought and mathematical logic is definitely at the basis of everything and the whole human being is no exception. Even the most subtle energy of thought is quite powerful and very profound, because thought is the very blueprint of everything, and much of thought lies beyond the four dimensions of space-time energy as potential action (events) guided, created and supported by a timeless five-dimensional matrix.

When any motion approaches the speed of light, space starts to behave more like silly putty; it actually starts to become brittle when hit against with any vibration or force approaching the speed of light, yet it appears to act more like a liquid at just under the speed of light, and, of course, space is space at normal speeds. If anything moves or vibrates at velocities approaching the speed of light, then even space will resist just enough for some radiation and/or heat to occur, and in the most extreme cases, the actual creation of material particles.

What do the above facts regarding space say about the true nature of space and matter? It means that if enough concentrated energy or force is applied to space it becomes light, and at even higher levels of concentrated energy, matter! Matter is really just a form of altered space! Space that "vibrates" itself into higher dimensions (5th and 6th) to be exact. Every molecule is just a matrix of thought because everything 5th or 6th dimensional is in a sense, pure thought--not "brain" thought but cosmic thought on the level of universal mind. By the way, there also seems to be a universal awareness or consciousness that corresponds with seven and higher dimensions.




Quantum Physics & The Law of Abundance

There is a law of abundance (or attraction) that can be used to gradually bring wonderful changes into your existence! I have known deep in my heart these beautiful and inspiring truths all my life. If you hate your life, you need to refine, uplift, and purify your emotions, lifestyle, mental states and consciousness. Mastering the law of abundance can be achieved by becoming free of all addictions and attachments. Simply by eating only the healthiest and spiritually uplifting foods, you are also dramatically improving your state of being. Transforming not only your thoughts but your diet as well is an essential part of the whole process toward a greater inner fulfillment that may gradually transform circumstances.





Everything inside space-time (having only 4 dimensions) is strictly cause and effect and is only one time line within billions of possible other time lines or histories. Universal mind is the "data base" in five and six dimensions of all the endless possibilities and possible laws of behavior respectively that potentially exist. Assuming that the brain, mind, and universal mind are all connected (and quantum physicists, yogis and metaphysicists are saying this is true), whatever thoughts one might think the most is going to attract into the actual reality of space-time (having only four dimensions) from an endless "library" of possibilities (potential events - existing in 5 dimensions), and laws of behavior (belief systems - existing in 6 dimensions). Does this make sense, or am I sounding a little too far-fetched?

Because of its obvious 5 dimensional nature, begin to realize just how powerful thought is, and one can see how important it is to not give energy to or dwell on or resist that which is called poverty or anything upleasant, but rather dwell on the desired result(s) which will help Universal Mind to manifest a better world for all of us collectively and individually. We need to focus our minds on having everything working together, everything working more efficiently and realizing just how much goodness, love and unlimited wealth there is in the human spirit. One can therefore much more likely thrive in perfect harmony with the facts of life rather than be washing up against them.

Like the "silly putty" slow-motion liquid analogy for the nature of space, whenever the mind and emotions resist, fear, or dwell upon undesired results, it is opening up around itself a field of negative possibilities that could attract negative events. When we open our minds and hearts to an attitude of non-resistence, joy, love and mental creation of every good and constructive possiblity, then we open up ourselves to much more desired outcomes. Hard and seemingly hopeless situations just melt away like silly putty because we are no longer resisting it or causing it to be hard by pushing against it so violently.

Because we are surrounded by many more dimensions than just the three we are most familiar with, the actual nature of the universe is naturally going to turn out to be far stranger than what we are used to within the bounds of ordinary space-time (3 and 4 dimensional) logic; and there may be as many as ten dimensions, five of which are entirely beyond our familiar world of sequential logic, cause and effect. There are higher dimensions of probablity, possibility, natural law, super consciousness, and cosmic consciousness that appear to be an extension of a timeless "something" deep within and beyond the subconscious mind and even more exciting, under its control, which in turn appears to be under the influence of habitual feeling and thinking!

By visualizing and dwelling on all the ways and means that one can more effectively and effortlessly provide service to others, the more likely that will happen and the more likely one can eventually enjoy much greater spare time and much more wealth and peace of mind.

There are various ways to feel more financially secure and therefore increase the chances of attracting more abundance. The Secret has been broadcasted all over the internet and available as a DVD for quite some time now and there are many excellent methods outlined in that movie to help people feel more secure and in alignment with what they want rather than what they don't want. They claim it's an absolute, inescapable law of physics like gravity or eletromagnetism that constantly and absolutely works every time without fail and is not at all like some far-fetched "hocus pocus" theory. The authors of The Secret talk quite plainly (matter-of-fact) about a universal law of attraction that we are using all the time whether we know it or not to attract either desirable or undesirable events into our lives mainly by our habitual thoughts and actions. Thoughts and actions based on love and other good feelings will tend to attract like situations. Thoughts and actions based on feelings of fear and coveteousness will tend to attract negative situations.

I know there are many sceptics out there not likely to believe in this law of attraction phenomenon at all, and will insist that all external events go on regardless of whatever thoughts or feelings exist inside the corporeal mind. This is the "separation theory" stating that the mind and observer inside us is entirely separate from the outside or "objective" world. Everything within the scope and range of normal experience will tend to support this commonly held belief system because it is mainly true. After all there is no doubt about the influence of human behavior on the environment, and any change in attitude will no doubt create behavioral changes. Therefore, most will agree that a positive change in attitude will create positive behavioral changes that may be enough to explain in many situations how this law of attraction might operate. However, as pertaining to my discussion earlier regarding the effects of higher dimensions, there seem to be much higher truths, deeper forces and realities at work also.

According to Heisenberg's Uncertainty Principle, whatever determines the events that lie before us, is in a constant state of dynamic uncertainty. Billions and billions of potential possibilities are constantly going into and out of alignment with our reality from a universal quantum field outside of space and time. Yogis and mystics have said for thousands of years that there is a universal energy field (or Supreme Consciousness) intimately connected with the human mind. The mind, when properly tuned in with a feeling of universal unconditional love, radiates a peace and harmony that seems to attract like-minded people and events of a similar nature. Without consciousness no reality can ever be known or observed, so who's to say that consciousness could not also be creating reality?

There is a book out called The Field by Lynne MaTaggart that goes into great detail about various experiments using random event generators (REG computers). These "REG machines" are highly sensitive to quantum changes in what is known as the Zero Point Field. She discovers that the mind of the human being has an energy field that is intimately connected to all life and the universe through means that are outside all space and time (in dimensions higher than the 4th). She now has a new course out called Living the Field, and her website is: www.LivingTheField.com I am not at all affiliated with Lynne's work but found it extremely helpful to convey to you that there is far more to life and the power of human consciousness than what we experience on the surface!

Would it make more sense to go on feeling financially anxious as an "orphan" separated from God and the universe or to concentrate on the oneness with all love, joy, prosperity, wealth and happiness? In any event, wouldn't it be far more sensible to focus on the solution rather than on the problem and to fill one's mind with what is desired than dwell on undesirable possibilities? We are creating all the time!

For more inspiring thoughts on this subject, please log into The Law of Abundance section of my website.


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The Hidden Treasures Are Within

This book is a compilation of fifteen inspirational articles regarding wholeness, meditating, how to choose your spiritual path, and how vital the hidden treasures of wholeness are for living a more full and complete life. Although this book includes some passages from the Bible and meditation-oriented information from the "Path of Sant Mat," this book is purely a spiritual text not meant to promote any religion. Most of this book will be about why wholeness is so essential and how to achieve it. I believe it is of utmost importance to make one's search for wholeness one's highest priority in what would otherwise be a temporary and fickle existence. To realize Spirit in one's life is vital for adding meaning to what would otherwise be a meaningless and materialistic existence.





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Book Reviews: Financial Anxiety & How One Can Find Abundance
Click on any title to purchase book. "Mouse over" link for pricing info and to "buy now."

Financial Peace Revisited by Dave Ramsey - Editorial Reviews - From Publishers Weekly - An updated, expanded version of Ramsey's first book about overcoming debt and managing personal finances, this edition boasts new chapters on the relationship between money matters and family matters. (Originally self-published in 1992, Financial Peace had its sales bolstered by Ramsey's eponymous personal finance radio talk show; the 1997 Viking edition became a business bestseller.) When it comes to solving money problems, Ramsey knows whence he speaks: he had made and lost a real estate fortune by age 30. His straightforward guide to fiscal tranquility covers the basics of career (work hard in a job you're good at), savings (sock away 10% of your take-home pay), investments (invest long-term with pretax dollars) and spending (live below your income). The new chapters offer financial advice for singles, spouses and parents-agreeing on money matters, Ramsey says, leads to "fabulous unity" in a marriage. Commentary from Ramsey's wife, Sharon, concludes each chapter; while often a bit drippy ("Communicating with those closest to you is important. A lot of times this will be your spouse or your best friend"), it puts another reassuring layer on an already warm (sometimes Christian-themed) and helpful text. Copyright 2002 Reed Business Information, Inc.

Product Description - Dave Ramsey knows what it's like to have it all. By age twenty-six, he had established a four-million-dollar real estate portfolio, only to lose it by age thirty. He has since rebuilt his financial life and, through his workshops and his New York Times business bestsellers Financial Peace and More than Enough, he has helped hundreds of thousands of people to understand the forces behind their financial distress and how to set things right-financially, emotionally, and spiritually.

In this new edition of Financial Peace, Ramsey has updated his tactics and philosophy to show even more readers:

* how to get out of debt and stay out
* the KISS rule of investing-"Keep It Simple, Stupid"
* how to use the principle of contentment to guide financial decision making
* how the flow of money can revolutionize relationships

With practical and easy to follow methods and personal anecdotes, Financial Peace is the road map to personal control, financial security, a new, vital family dynamic, and lifetime peace.


The Financial Peace Planner: A Step-by-Step Guide to Restoring Your Family's Financial Health by Dave Ramsey - Product Description - The bestselling author and nationally syndicated radio host of "The Money Game" has helped thousands through his 12-week financial planning program. His workbook format allows readers to frequently assess their progress and to face their situation honestly by using the questionnaires and fill-in charts throughout the book--the most valuable purchase a debt-ridden reader could ever make.

Financial Peace: Putting Common Sense Into Your Dollars and Cents by Dave Ramsey - Editorial Reviews - From Library Journal - By the age of 30, author Ramsey had earned and lost millions in his real estate business. He is now financially secure again through helping others learn from his mistakes. The information he presents on sound financial money management is not new, but his personal experience with money difficulties helps to relate this solid advice to just about anyone, especially those in serious debt. Ramsey advises, as do many others in this field, to stop borrowing, always pay cash, tear up those credit cards, use debit cards, negotiate the price of everything, settle for something older and less expensive, and, more importantly, become disciplined savers instead of spenders. Ramsey's philosophical approach is rooted in his strong religious beliefs about personal financial management and helps to distinguish his take on this topic. The author narrates as if he is addressing a large audience rather than reading from a book. Handy worksheets, which aren't likely to last in libraries, are included for those seriously committed to acting on his advice. Consider only on demand in public libraries. --Dale Farris, Groves, Tex. Copyright 1997 Reed Business Information, Inc. --This text refers to an out of print or unavailable edition of this title.

From Booklist - The author's own experience with debt and bankruptcy is the backdrop for the story of his journey from financial riches to loss of everything and then to survival when he found new success through his counseling efforts, which are framed by his religious beliefs. Ramsey determined that his personal experience with financial pain was an ideal foundation for a career in assisting consumers in handling debt. The reader learns that it takes considerable sacrifice, discipline, and patience to control money, and Ramsey contends that a huge percentage of Americans, caught in a web of instant gratification, need help in managing their finances. The core of the book reflects on 25 principles, which the author calls "peace puppies," great creatures that are eager to please and love their master but, without discipline, will become wild and mean. These puppies include avoiding the worship of money, giving money away to worthy causes, living substantially below one's income, and laying out written details of a cash-management plan. One caveat: the book concludes with a set of financial worksheets; however, they do provide an excellent introduction to disciplined planning. --Mary Whaley --This text refers to an out of print or unavailable edition of this title.


Dave Ramsey's Financial Peace University: 91 Days to Beat Debt and Build Wealth! - Product Description - This author encourages you to stop living with guilt, frustrations and headaches that come with trying to manage your personal finances. You owe it to yourself and those you love to find what thousands already have: Financial Peace!

More than Enough: The Ten Keys to Changing Your Financial Destiny by Dave Ramsey - Product Description - In his first bestseller, Financial Peace, Dave Ramsey taught us how to eliminate debt from our lives. Now in More Than Enough, he gives us the keys to building wealth while also creating a successful, united family. Drawing from his years of work with thousands of families and corporate employees, Ramsey presents the ten keys that guarantee family and financial peace, including: values, goals, patience, discipline, and giving back to one's community. Using these essential steps anyone can create prosperity, live debt-free, and achieve marital bliss around the issue of finances. Filled with stories of couples, single men and women, children, and single parents, More Than Enough will show you:

* How to create a budget that fits your income and creates wealth
* What finances and romance have to do with one another
* What role values play in your financial life
* How to retire wealthy in every way
* And much, much more

Resonating with Ramsey's down-home, folksy voice, heartwarming case histories, inspiring insights, quotations from the Bible, and exercises, quizzes, and worksheets, More Than Enough provides an inspiring wealth-building guide and a life-changing blueprint for a vital family dynamic.

About the Author - Dave Ramsey is a bestselling author and host of "The Dave Ramsey Show," a nationally syndicated show about financial issues. He is also a speaker and seminar leader who is sought after by church groups and corporations alike.


How to Have More than Enough: A Step-by-Step Guide to Creating Abundance by Dave Ramsey - Product Description - From the bestselling author of Financial Peace, this companion volume to More Than Enough is a step-by-step guide to building wealth while strengthening your marriage and family.

In Financial Peace, Dave Ramsey showed readers how to get out of debt. Now he uses the same blend of down-home wisdom and straight talk to take readers to the next step: building wealth. But success means more than money--it means having a happy marriage and family. In How to Have More Than Enough, Dave Ramsey guides readers down the path to true success.

Rather than gimmicks or quick fixes, Ramsey's method for achieving financial and familial stability focuses on ten traits essential to creating prosperity, teaching children about money, living debt-free, and achieving marital bliss when it comes to finances. His easy-to-follow workbook illustrates each of these traits and allows readers to frequently assess their progress and honestly evaluate their situation. How to Have More Than Enough offers readers and their spouses the chance to work toward building wealth and strengthening their families.

About the Author - Dave Ramsey is the host of "The Dave Ramsey Show," a nationally syndicated radio talk show dealing with financial matters, and is the bestselling author of Financial Peace, More Than Enough, and The Financial Peace Planner. He lives in Nashville, Tennessee, with his wife and three children.


48 Days to the Work You Love by Dan Miller and Dave Ramsey - Editorial Reviews - About the Author - Dan Miller is the president of The Business Source, which specializes in creative thinking for personal and business development. As a coach, speaker and frequent radio and TV guest (Such as the CBS 'Today Show' in 2005), Dan shares his process for positioning one's work to develop an overall focused, balanced and truly successful life. Dan Miller publishes a weekly newsletter on careers that as of March, 2006 boasts over 75,000 subscribers, many of whom also tune in to his monthly Tele-Classes. His flagship book, 48 Days To The Work You Love is in it's 5th printing after only 1 year in publication. --This text refers to the Hardcover edition.

The Total Money Makeover Workbook by Dave Ramsey - Product Description - In this fresh, interactive guide, respected financial expert Dave Ramsey offers a proven, comprehensive plan for getting in shape financially.  The Total Money Makeover Workbook takes you one step closer to getting out of debt and achieving financial health. Against a playful backdrop of fitness terminology, Dave gives solid, hard-hitting advice and the hope and the how-to needed to turn goals into reality. The Total Money Makeover Workbook includes:

* Useful worksheets and forms
* Readable and informative charts and graphs
* The four factors that keep people from getting in shape financially

The Total Money Makeover Workbook is an essential resource for anyone desiring total financial fitness. Dave's no-nonsense, tell-it-like-it-is approach translates into results for those who diligently follow this complete action plan. Tens of thousands of people have already transformed their financial situation with Dave's advice, rooted in God's and Grandma's common sense. With The Total Money Makeover Workbook, countless others will be on their way to financial fitness.


Seeking Inner Peace and Financial Freedom: Stepping Stones in a Chaotic World by Jim Lewis - Product Description - This book will help you achieve your dreams and goals if:

* You want to live life abundantly
* You desire to be financially secure
* You would like a happy marriage
* You plan to rear and educate children
* You expect to help with your grandchildren
* You support your church and charities
* You look forward to a comfortable retirement
* You are looking for inner peace and financial freedom
* You dream of living by the sea, in the mountains, or in the desert
* You love to travel


Financial Breakthrough: God's Plan for Getting out of Debt by Travis Moody - Product Description - Travis Moody tells his personal story of how he went from $100,000 in debt to being debt-free in 3 years. He shares spiritual truths and biblical lessons learned along the way. This book is intended to help those who may be trapped by their debt situation. Financial Breakthrough will discuss why we get into debt, how debt affects our lives, what the Bible has to say about debt, specific steps you can take to get out of debt, and finally wealth building tips for a life after debt.

About the Author - Travis Moody - is a certified budget counselor and speaker concerning financial stewardship. He speaks from his experience of being delivered from a problem debt situation to becoming financially free. Travis and his wife, Carol, live in Maumelle, Arkansas and have four children.


Finding Financial Peace: Getting Control of Your Finances and Your Life by Shannon Wheeler - Product Description - Is your life a financial mess? Are you in debt over your head, overextended, and living from paycheck to paycheck? Do you have nightmares about what will happen if your car breaks down, you miss a mortgage payment, or your furnace needs replaced? If so, then you've come to the right place for Finding Financial Peace: Getting Control of Your Finances and Your Life.

Shannon Wheeler has been there and when she hit bottom, she swore this would never happen again. She began to make changes in her spending habits, small ones at first which eventually led to a whole new outlook and way of living her life. As she shares her tips, hints, and common-sense ideas she coaches, cheerleads, and reminds us that getting out of debt isn't an easy or fast process.

With simple language, easy to follow instructions, and a wealth of ideas you may not have considered, even you can accomplish Finding Financial Peace!

About the Author - A native of Liberty, South Carolina, Shannon Wheeler currently resides in nearby Simpsonville with her husband, Kirk. She has her associates degree in nursing and is currently working toward a BSN at Lander University in Greenwood, South Carolina and is nurse manager in the pulmonary medicine unit of the Greenville Hospital System.


Questions Great Financial Advisors Ask... and Investors Need to Know by Alan Parisse and David Richman - Product Description - A financial advisor recounts an interview with a recently retired physician who planned an enjoyable--and costly--retirement. The doctor wanted his entire portfolio in bonds, which was far too conservative to maintain the lifestyle he and his wife had planned. In the advisor's words:

"This fellow was a bit of a know-it-all, and I wasn't getting through. Finally I asked him, 'Doctor, how will it feel for you when you have to go back to work?' That got his attention, and I was able to lay out a strategy that would allow him to retire and stay retired."

In Questions Great Financial Advisors AskŠand Investors Need to Know, coauthors Alan Parisse and David Richman have compiled the questions great advisors ask that lead to the probing and personal conversations necessary to diagnose and understand clients'--and potential clients'--deep-seated feelings about money. That's how great advisors help clients wring the emotion out of investing and set them on the rational road to achieving their financial goals.

Throughout this book are questions, suggestions, and stories from some of the world's top financial advisors, including a chapter of "great questions to ask" organized by topic.


Smart and Simple Financial Strategies for Busy People by Jane Bryant Quinn - Editorial Reviews - From Publishers Weekly - Starred Review. Quinn's latest guide to personal finance covers the usual terrain: budgeting, consumer debt, mortgages, college funds and investments. However, not every financial writer is blessed with Quinn's charm-a blend of Pollyanna and Mary Poppins with a snappy wit thrown in-and her sensible approach to streamlining one's financial life make this a stellar entry in the genre. Quinn's most useful observation is that people seldom spend money they can't lay their hands on. Hence, she advocates the use of automated account debits to "disappear" paycheck earnings into savings. Credit card debt is dispatched with admirable simplicity: request lower rates from lenders, switch to a cheaper card, or convert credit card to mortgage loan debt. While such solutions aren't foolproof, Quinn explains the caveats of such methods. Some of the more confusing, recent mutations in home mortgages-Option and FlexPay Adjustable Rate Mortgages (ARMs)-are explained and wisely cautioned against, though Quinn could easily be more emphatic in her warnings. She also addresses the topic of college tuition with a sensible bargain-hunter approach: despite the prestige of the Ivy League, many state or small private colleges offer equivalent or superior educations for considerably less money. Quinn's anecdotes about her own monetary struggles add credibility to her advice and uphold her well-deserved reputation as a source of sound financial guidance. Copyright © Reed Business Information, a division of Reed Elsevier Inc. All rights reserved.

From Booklist - No newcomer to the personal financial world, Quinn is best at conveying the simple rules of success--under many different guises, like Jordan E. Goodman's Everyone's Money Book (1993). Here, the emphasis is on streamlining financial plans and actions in today's no-time-for--anything environment. The answers? One: use automatic payments for money obligations, such as the employer retirement plan, college funds, and mortgages. Two: investigate all the insurances, and understand necessities versus nice-to-haves. Three: rely on diversified mutual funds (and continue rebalancing your portfolio) for retirement savings. Four: ensure you've compiled checklists for your critical information and know where to find your files. Her best yet? "You can't see the future. If you're saving steadily, that doesn't matter. Only a few things work, and you've found them here." --Barbara Jacobs - Copyright © American Library Association. All rights reserved


Be One of the Lucky Ones: A Specialty Doctors' Guide to Financial Freedom and Peace of Mind by Anthony C Williams and Marc E Ortega - Product Description - As a specialty doctor the general rules followed by the majority of the population may not necessarily apply. Your unique situation necessitates a higher level of planning; a level of planning going against the traditional thought process. Your high incomes and subsequent high taxes, along with significant exposure to litigation, require you to evaluate how best to achieve your goals. Be One of the Lucky Ones, a Specialty Doctors' Guide to Financial Freedom and Peace of Mind takes a practical approach to helping you navigate this process. If you are looking to positively impact your life with a fresh approach unique to you, please read on Š

About the Author - Anthony C. Williams - provides specialty physicians with investment strategies that result in financial freedom. He is a keynote speaker for specialists groups and teaching hospitals throughout the West. He graduated from Arizona State University Business School.

Anthony is active in Stepping Stones of Hope; a non-profit organization assisting children and families having experienced the death of a loved one. Anthony enjoys spending time with his wife, Wendy, a RN and his Weimaraner, Tempest.

Marcus E. Ortega creates financial solutions for physicians. Marc has worked with most of his clients since residency. Marc is a Chartered Financial Consultant (ChFC). He has also been distinguished by the Million Dollar Round Table (MDRT), The Premier Association of Financial Professionals® recognizing the top 5 percent of financial advisors worldwide, as one of the industries leading advisors. He lives in Gilbert, Arizona with his wife, Deidra and children, Jayden and Marcus.


Creating Prosperity and Financial Peace by Graham A Howarth - Product Description - Financial planner Graham A. Howarth knows that having money or possessions does not guarantee a prosperous life. Prosperity is the feeling of satisfaction and fulfillment in all areas of your life. It's easy to spot the truly prosperous-they are generally authentic, fun, polite, ethical people with great relationships and values.

Creating Prosperity and Financial Peace is a valuable tool for moving forward in personal financial planning, providing insights concerning cash flow analysis, estate planning, investments, trusts, retirement income, insurance, and the effects of dying intestate because prosperity is not something that is given to us. While some people are provided with financial abundance at an early age, prosperity is a positive behavior that is created over time. Howarth shares stories of people and their family members who had not developed this habit of prosperity and who experienced situations they thought would never happen to them.

Exercises are included to help you determine goals, overcome barriers, practice successful time management, find money, and plan financially for the future. Howarth provides a multitude of resources to activate imagination in the creation of dreams, goals, prosperity, and your financial peace.


The 9 Steps to Financial Freedom: Practical and Spiritual Steps So You Can Stop Worrying by Suze Orman - Editorial Reviews - Amazon.com Review - When Suze Orman was 13 she watched her father dive into the flames of his burning take-out chicken shack in order to rescue his cash register. In that moment Orman learned that money was more important than life itself. And so it became her quest to be rich. But years later, when Orman became a wealthy broker with a huge investment firm, she was profoundly unhappy. What went wrong? She had not yet achieved financial freedom. In her nine-step program, Orman covers the ingredients to financial success--confronting our beliefs and fears, learning the nuts and bolts (and insiders secrets!) of savvy management, and finding the spiritual trust that leads to abundance. --This text refers to an out of print or unavailable edition of this title.

From Library Journal - Orman is the head of her own financial-planning firm, a certified retirement specialist, and a best-selling author (You've Earned It, Don't Lose It, LJ 1/95). In her latest work, she analyzes the psychological and spiritual factors involved in how we perceive money. Her definition of financial freedom is "when you have power over your fears and anxieties instead of the other way around." Through case studies, Orman illustrates the psychological importance of money and its effect on our lives. She offers practical guidelines for investing, preparing a budget, purchasing a home, getting out of debt, and writing a will. A helpful financial worksheet is included. Orman's insightful guide is highly recommended to public libraries. --Lucy T. Heckman, St. John's Univ. Lib., Jamaica, N.Y. - Copyright 1997 Reed Business Information, Inc. --This text refers to an out of print or unavailable edition of this title.


Seven Principles for Financial Freedom and Peace of Mind by Paul Wilde and Carolyn Wilde - Product Description - In Pursuit of the Ideal is a timely book written to a generation that needs, above everything, to know the identity and worth with which it has been created. Thinner, smarter, prettier. That's what the world expects you to be. But what is the true ideal? And how can you ever achieve it?

Fasting for Financial Breakthrough by Elmer L. Towns - Product Description - While this book sheds a spiritual light on one of the biggest problems facing Christians today-our need to put the role of money in a proper perspective and how to solve our money problems-Elmer Towns states at the outset that this is not the primary purpose of fasting and prayer. Instead, it is all about knowing God. It is not about withdrawing prayer-on an "as needed" basis-from some spiritual ATM kiosk. It is about meditation, studying the scriptures and communion with God. When we fast and pray in faith, asking for God's help and provision, He will begin to teach us how to become good stewards of what He has provided. And He will ever, at times, meet out temporal needs in a miraculous way. Includes Chpaters Devoted to the Following Topics and Many More Chapter 3: Fasting to Learn Stewardship Chapter 4: Why We Have Money Problems Chapter 6: Faith Approach to Asking for Money

About the Author - Elmer L. Towns is dean of the School of Religion at Liberty University in Lynchburg, Virginia, where he teaches the 2,000-member Pastor's Sunday School class at Thomas Road Baptist Church. He is a Gold Medallion Award-winning author whose books include Fasting for Spiritual Breakthrough and The Son. Elmer Towns and his wife, Ruth, have three grown children.


Safe Strategies for Financial Freedom by Van K. Tharp, D.R. Barton, Steve Sjuggerud, and Van Tharp - Product Description - Commonsense Rules for Financial Freedom ­ Anyone Can Do It!

Safe Strategies for Financial Freedom shows you how to know in 30 seconds whether you should be in or out of the market. The authors show you how great investors avoid mistakes ­ and win big. With Van Tharp's legendary risk-control techniques; learn how the world's most profitable investors reduce their risk and leave their wealth-generating potential unlimited, and how you can too.

You'll learn how to invest wisely ­ in every type of market, protecting what you earn, and developing sources of regular income to achieve financial independence.

Safe Strategies for Financial Freedom provides you with a specific program for freeing yourself from the workplace‹forever. Let it show you how to seize control of your financial life by investing in the assets that will provide you with steady income until the day when your investment income surpasses your monthly expenses‹and you are, once and for all, financially free.

From the Back Cover - Get smart about your money and retire in five years or sooner!

Most people are only a few thousand dollars a month away from financial freedom. Financial freedom is not about millions of dollars in the bank--it's simply about generating investment income that exceeds your cost of living. Once you're there, you're financially free!

Safe Strategies for Financial Freedom shows you how to get there, from how to invest wisely and protect what you earn to proven techniques for developing sources of regular income to cover your expenses and achieve financial independence. Inside, you'll discover:

* The fastest and easiest way to get out of debt without pinching pennies
* Simple models that tell you how and when to invest in stocks, bonds, gold, and real estate
* Van Tharp's legendary risk-control techniques--How the world's most profitable investors reduce their risk and leave their wealth-generating potential unlimited

People achieve financial freedom every day--now it's your turn. Safe Strategies for Financial Freedom shares the secrets of how you can achieve financial freedom by determining your "financial freedom number," making the right investment moves, and accepting nothing less than absolute success. From its risk-controlling investment strategies to its "Why didn't I think of that?" money-management techniques, you'll learn a financial program designed to make you the master of your money, instead of its slave.

"Financial freedom is within your grasp. In this book, you will learn a simple strategy that will free you forever. Once you start, you'll watch yourself moving closer and closer to financial freedom every month." --From the Preface

Wealthy folks don't achieve financial freedom by working for money. Instead, they have learned the simple rules for making money work for them! Safe Strategies for Financial Freedom provides the details of innovative yet achievable investment strategies that you can use to build and protect assets your assets in all investment climates. You can then use those assets as sources of regular income that will cover your monthly expenses and provide you with a lifetime of true financial freedom.

Written by world-renowned financial advisors Van K. Tharp, D.R. Barton, and Steve Sjuggerud, who have used these techniques to free themselves and thousands of others from jobs that barely cover expenses, this book describes:

* Your Personal Financial Freedom Number--How to build passive monthly income that frees you from the workplace
* Specific strategies for transforming your assets from money pits to money producers
* Stock market strategies that produce profits in all market environments, even major bear markets.
* The Max Yield Strategy--A once-a-year system for safe, double-digit profits
* Three proven real estate strategies for generating instant equity, long-term income, or both

Is your current plan is to spend your life working 50 or more hours a week and then saving your nickels until you retire to a modest, fixed income? You're not alone. But it might surprise you to discover just how many people are now actively taking the steps to achieve financial freedom that are contained in this book.

Safe Strategies for Financial Freedom provides you with a safe, specific program for freeing yourself from the workplace forever. It shows you how to seize control of your financial life by investing in those assets that will provide you with steady income until the day when your investment income has surpassed your monthly expenses--and you are, once and for all, financially free.


Financial Freedom on $5 a Day (Self-Counsel Business Series) by Chuck Chakrapani - Product Description - - Develop a simple plan to save money - Start investing with as little as $100 - Build a balanced portfolio

From the Back Cover - Yes, it's still $5 a day! Even if you know nothing about investing, this book will show you how to achieve financial freedom starting with very little money. It explains how you can use investment strategies that most people think are available only to the rich. Also included is a valuable resource directory that gives the names and addresses of important contacts throughout North America.


Operation Financial Freedom by James Dicks and JW Dicks - Product Description - Straightforward advice for anyone looking to take control of their personal finances and successfully invest in stocks, real estate, and more

Tackling one's financial future has to be managed the way a platoon leader plans an assault, in a get-it-done, precision-style maneuver. Dicks teaches you ways to find financial peace in the no-holds barred Operation Financial Freedom.

Practical wealth-building techniques cover everything from stock and mutual fund investing to buying income-producing assets, while tax-saving strategies help achieve greater overall performance. More than just a primer for picking the right stocks, this book explains how you can develop and implement a unified financial strategy, creating a millionaire legacy for yourself and your children.

From the Back Cover - A realistic program for getting out of debt, growing your savings, and taking control of your money and financial future

While there are no easy formulas for financial success, certain strategies can help you steer clear of disasters while building slow, steady wealth. Operation Financial Freedom shows you how to put into action a financial program that will allow you to free yourself from debt and achieve financial freedom.

Built around the time-proven disciplines of the military, but useful for all individuals regardless of their income or financial status, this action-ready book features:

* Investment guidance for stocks, bonds, mutual funds, and more
* Techniques for using income-producing assets to provide long-term security
* Tax-saving strategies for achieving greater overall performance
* Ideas for starting and building your own business

Financial independence is easier to achieve than you might think, but it does require that you establish a solid, well-designed plan. Operation Financial Freedom outlines just such a plan. It provides you with a step-by-step program for developing and implementing a unified financial strategy and creating a millionaire financial legacy for yourself and your children.

Operation Financial Freedom is not about the fast, easy riches that are there for the taking. Because despite what many books would have you believe, becoming wealthy is just not that simple.

On the other hand, it's not as hard as you might think.

This step-by-step guidebook lays out a realistic, achievable program for rolling up your sleeves, making sensible decisions, and starting today to work toward a solid financial tomorrow. Self-made millionaires James Dicks and J. W. Dicks steer clear of pie-in-the-sky get-rich-quick schemes to provide proven solutions for eliminating your foolish debt, discovering your wealth-building strengths and interests, and building on what you do best to establish a financial freedom mindset and put a workable plan into action.

Look inside Operation Financial Freedom to learn strategies and techniques that will work for you, because they've worked for others time and again. Treating the creation of wealth as a vital mission, in which you must pay attention to every critical detail if you are to reach a successful outcome, this hands-on, no-nonsense guidebook shows you how to:

* Look inside yourself to uncover your dream goals and values, essential for creating the right plan for you
* Take care of your all-important financial foundation, from repairing credit and eliminating foolish debt to saving all you can and owning your own home
* Create and implement an easy-to-follow investment plan that minimizes risk while maximizing return potential
* Establish a retirement plan that ensures you'll have what you need, when you need it
* Guarantee your children's education without sacrificing your own long-term financial dreams
* Minimize your tax bite, year after year after year
* Start and build your own business--including a detailed listing of the twelve best business opportunities for the 21st century!

Wealth and financial freedom are achievable for anyone willing to establish and follow a detailed, disciplined program. Operation Financial Freedom provides you with a time-tested program for taking control of your financial future, by replacing wishful thinking and pipe dreams with concrete, proven actions for making your money work for you every day, in ways you never thought possible.


The Practical Guide to Total Financial Freedom: Volume 1 by Samuel Blankson - Product Description - The first part of a five volume series on creating total financial freedom. In this volume you will learn the foundations of wealth building and how to secure your family and your wealth against disasters and losses. This series offers practical, effective and easy to follow advice for securely and quickly building wealth. If you are thinking of buying this book, you probably want to be free. Free from the rat race, free from the boss, free from the wage trap and free from the mediocrity and hopelessness of poverty and lack of options. Until now you may have had no other way of achieving this within the next half a decade, but this book will change all that forever. This book, unlike many self-help books out there will actually tell you what to do in order to achieve Total Financial Freedom. All you will get from this book is exactly how I went about achieving Total Financial Freedom. If you read, learn and apply the lessons in this book you too will achieve Total Financial Freedom.

From the Publisher - "The Practical Guide To Total Financial Freedom" should be part of every serious investors collection as a reference guide to practical and successful investing techniques. Penned by someone who has used them to gain financial freedom himself, these series cover all categories of investment risk, and at each stage, offers practical techniques to successfully trade and consistently profit from your investments.


The Practical Guide to Total Financial Freedom: Volume 2 by Samuel Blankson - Product Description - The second part of a five volume series on creating total financial freedom. In this volume you will learn how to invest in Bonds, Stocks and Shares and Funds. This series offers practical, effective and easy to follow advice for securely and quickly building wealth. If you are thinking of buying this book, you probably want to be free. Free from the rat race, free from the boss, free from the wage trap and free from the mediocrity and hopelessness of poverty and lack of options. Until now you may have had no other way of achieving this within the next half a decade, but this book will change all that forever. This book, unlike many self help books out there will actually tell you what to do in order to achieve Total Financial Freedom. All you will get from this book is exactly how I went about achieving Total Financial Freedom. If you read, learn and apply the lessons in this book you too will achieve Total Financial Freedom.

From the Publisher - "The Practical Guide To Total Financial Freedom" should be part of every serious investors collection as a reference guide to practical and successful investing techniques. Penned by someone who has used them to gain financial freedom himself, these series cover all categories of investment risk, and at each stage, offers practical techniques to successfully trade and consistently profit from your investments.


The Practical Guide to Total Financial Freedom: Volume 3 by Samuel Blankson - Product Description - The third part of a five volume series on creating total financial freedom. In this volume you will learn how to invest in Wine, Property, Businesses, Life Insurances, Art, and Offshore investment opportunities. This series offers practical, effective and easy to follow advice for securely and quickly building wealth. If you are thinking of buying this book, you probably want to be free. Free from the rat race, free from the boss, free from the wage trap and free from the mediocrity and hopelessness of poverty and lack of options. Until now you may have had no other way of achieving this within the next half a decade, but this book will change all that forever. This book, unlike many self help books out there will actually tell you what to do in order to achieve Total Financial Freedom. All you will get from this book is exactly how I went about achieving Total Financial Freedom. If you read, learn and apply the lessons in this book you too will achieve Total Financial Freedom.

From the Publisher - "The Practical Guide To Total Financial Freedom" should be part of every serious investors collection as a reference guide to practical and successful investing techniques. Penned by someone who has used them to gain financial freedom himself, these series cover all categories of investment risk, and at each stage, offers practical techniques to successfully trade and consistently profit from your investments.


The Practical Guide to Total Financial Freedom: Volume 4 by Samuel Blankson - Product Description - The fourth part of a five volume series on creating total financial freedom. In this volume, you will learn how to trade and invest in Momentum products. These instruments are high-risk products that offer high returns but also the possibilities of high losses. You will learn how to limit those losses by reducing the risk using effective and practical methods. Options, Futures, High Yield Investment Programs, and Gambling are some of the exciting topics covered in detail. This series offers practical, effective, and easy to follow advice for quickly building and securely wealth. This book, unlike many self-help books out there will actually tell you what to do in order to achieve Total Financial Freedom. All you will get from this book is exactly how I went about achieving Total Financial Freedom. If you read, learn and apply the lessons in this book you too will achieve Total Financial Freedom.

From the Publisher - "The Practical Guide To Total Financial Freedom" should be part of every serious investors collection as a reference guide to practical and successful investing techniques. Penned by someone who has used them to gain financial freedom himself, these series cover all categories of investment risk, and at each stage, offers practical techniques to successfully trade and consistently profit from your investments


Life or Debt: A One-Week Plan for a Lifetime of Financial Freedom by Stacy Johnson - Product Description - Freeing yourself from debt is easier than you think! Take it from Stacy Johnson. As creator of the hugely successful Money Talks television news series, Johnson has helped millions of people get out of debt, achieve enduring financial freedom, and earn big from wise investments. Now it's your turn. In this focused, practical, and inspiring new book, Johnson shares the secrets of his amazing program that will win you financial freedom in just seven days.

Strange but true, financial freedom has almost nothing to do with how much you make or what you know about high finance. It all comes down to three basic principles: get rid of the debt that is shackling you, learn to live below your means, and start investing sensibly and consistently. In Life or Debt, Johnson spells out exactly how to accomplish these goals in a step-by-step plan that covers

* How to calculate what you really earn, where your money goes, and how you can quickly convert debts to investments
* How to quit "working" for credit card companies and mortgage holders by reducing (or eliminating) your debt now
* Why you're actually paying three times the sale price of the items you buy --and how to stop
* How to work out a simple budget that provides ample money for what you need and cuts out unnecessary expenses
* How to melt away that mountain of debt by prioritizing which debts should be paid off first and at what rate
* The secrets of investing wisely and with minimum risk
* 205 ways to save money--it really does add up!

Destroying debt does not mean radically changing your lifestyle or giving up the things you love. It does mean taking charge of your financial freedom and making sure the money you earn goes to the things you care about. The power to live without debt is yours--let Stacy Johnson and this revolutionary new book help you unleash it now!

From the Hardcover edition.

From the Inside Flap - Freeing yourself from debt is easier than you think! Take it from Stacy Johnson. As creator of the hugely successful Money Talks television news series, Johnson has helped millions of people get out of debt, achieve enduring financial freedom, and earn big from wise investments. Now it's your turn. In this focused, practical, and inspiring new book, Johnson shares the secrets of his amazing program that will win you financial freedom in just seven days.

Strange but true, financial freedom has almost nothing to do with how much you make or what you know about high finance. It all comes down to three basic principles: get rid of the debt that is shackling you, learn to live below your means, and start investing sensibly and consistently. In Life or Debt, Johnson spells out exactly how to accomplish these goals in a step-by-step plan that covers.

* How to calculate what you really earn, where your money goes, and how you can quickly convert debts to investments
* How to quit "working" for credit card companies and mortgage holders by reducing (or eliminating) your debt now
* Why you're actually paying three times the sale price of the items you buy --and how to stop
* How to work out a simple budget that provides ample money for what you need and cuts out unnecessary expenses
* How to melt away that mountain of debt by prioritizing which debts should be paid off first and at what rate
* The secrets of investing wisely and with minimum risk
* 205 ways to save money--it really does add up!

Destroying debt does not mean radically changing your lifestyle or giving up the things you love. It does mean taking charge of your financial freedom and making sure the money you earn goes to the things you care about. The power to live without debt is yours--let Stacy Johnson and this revolutionary new book help you unleash it now!


Your Money Rules for Financial Freedom by Michael J. Laurence - Product Description - Ever wonder why some of the excellent, proven advice given to you by your parents, grandparents, or experts you heard just a few years ago isn't working for you today? Probably because the rules of personal finance have been changing radically over the last few years.

Americans used to get a 30-year fixed-rate mortgage for their affordable home and work at a job where they knew when they'd retire and how much they'd receive each month. As time went on, Americans became accustomed to sending their children to college and the bills have bloomed so that students typically graduate with significant student loans which must be paid back. Most likely also have a car note.

Health insurance does odd things: the costs (premiums and co-pays) go up and the benefits go down--if you can get insurance. Prescription drug costs have risen--as have co-pays if you're lucky enough to have medication coverage. The credit cards that line Americans' wallets can also cause money woes with their changing interest rates, fees, and other surprises.

Everywhere Americans turn, we're told we're a wealthy country and yet, the average American has serious financial concerns. An MSN Money article said that nearly half of us are spending $1.20 for every dollar earned. For fiscal 2004 to be in the top 25% of the tax bracket your household needed to make just under $60,000.

Headlines carry news about large companies wanting to get rid of pension plans next to the woes of Social Security. The stock market can shoot way up only to plummet. What's a responsible person to do? He has to educate himself on how the system now works and sound choices he can make to protect himself and his family.

Your Money Rules for Financial Freedom addresses the system and discusses the considerations for major areas in your life. Obtaining an affordable college education, wisely using credit, and setting aside your own funds for retirement are a few examples of what's covered. The pitfalls of co-signing anything are discussed. Dangers in leasing (an apartment, house, or car) are highlighted. Health care issues from insurance to affordable medications and services are looked at. Cautions about marriage and divorce are included.

Throughout the book, the concerns of the young, working, retired, disabled, and immigrants are addressed. Ways to find free or low-cost information and assistance is provided. When the reader has a heads up on concerns and resources, he can find what he needs to know for his specific circumstances from a professional in his community. This beats being blind-sided by a crisis. What if no one ever mentioned what happens if you desperately need a trusted person to serve as your medical or financial power of attorney and you have none because you knew nothing about the subject?

This book fills in those gaps in knowledge that even the well-educated have. Many crises can be prevented and knowledge is your best defense.

From the Back Cover
You Need This Book If Š

$ You're also known as the Bank of Dad where everyone makes withdrawals, and no deposits.

$ You're a savvy teen who wants to live a comfortable life and retire early with full financial security.

$ You're intending to send yourself or someone through college without ending up in the poor house.

$ You're a single parent juggling too many bills and too little income.

$ You're new to the US and wonder how our economy works.

$ You're disabled and trying to stretch your limited dollars.

$ You're retired and concerned about your future.

$ You're young, healthy, employed, educated--and uninsured--read why that's another form of Russian roulette.

$ You're one paycheck away from losing everything.

$ You're not a multimillionaire.

This book is like having a trusted friend who has been through hard times, survived, and triumphed available to give you a heads up on many of the key issues in your life. The rules of the money game of life have changed in the last few years. All of us stand at the crossroads of our financial future, whether we're aware of it or not. This book provides information on snares to avoid, but also on smart moves to make. The goal is for us to cross over from where many demand "Your money or your life" to the point where we are in charge of our financial lives. Let's get on the road to financial freedom with knowledge, advice, and determination to succeed. No matter what is thrown at us, we don't have to be victims.


Trade Your Way to Financial Freedom by Van Tharp - Editorial Reviews - "The book is clearly written and makes generous use of practical examples and models...The principles he [Tharp] promotes for traders, if followed closely, can be applied to a wide group of investors." Ticker Magazine 19990617 --This text refers to an out of print or unavailable edition of this title.

Finding Financial Freedom: A Biblical Guide to Your Independence by Grant R. Jeffrey - Editorial Reviews - Praise for Finding Financial Freedom

"This is solid financial advice that you can bank on! Grant Jeffrey knows finances and understands how to help you with yours. Don't miss this wise, practical, and helpful guide to building your financial future." --Dr. Ed Hindson, Assistant Chancellor, Liberty University

"Grant Jeffrey is a conservative financial voice crying out in a liberal financial wasteland. His words bring a fresh, biblical, and pragmatic approach to solving your money problems. The section on achieving financial independence, particularly the part on arranging an investment portfolio, is worth the price of the book." --Neil Atkinson, author of The Shrewd Christian

"As usual, Grant Jeffrey's latest work is a masterpiece. He never leaves a stone unturned in his exposition of any subject, and I totally recommend this new volume because of its solid biblical foundation." --Dr. Jack Van Impe, president of Jack Van Impe Ministries International

Product Description - Follow God's rules for financial freedom.

In today's uncertain times, how can you achieve the goal of financial independence? Success depends on a balanced strategy that is based on timeless biblical wisdom and up-to-date financial guidance.

Finding Financial Freedom is your guide to prosperity that lasts. Written by Bible scholar and professional financial planner Grant R. Jeffrey, this book shows how you can:

* identify and avoid financial traps
* escape the spiritual bondage created by a lifestyle of debt
* develop a disciplined savings plan that leads to successful investing
* claim God's promise of giving and receiving
* shift your thinking from "more income" to "keeping more of your income"
* make decisions today that will protect your family and guarantee an income through your retirement years.

Here is biblical financial wisdom that's as immediate as the bills crowding your mailbox. Get started today on the biblical road to wealth with Finding Financial Freedom.


Cashflow Quadrant: Rich Dad's Guide to Financial Freedom by Robert T. Kiyosaki and Sharon L. Lechter - Product Description - The Cashflow Quadrant is the follow-up guide to finding the financial fast track that best works for you. It reveals the strategies necessary for moving beyond just job security to greater financial security by generating wealth from four selective financial quadrants.

About the Author - "Born and raised in Hawaii, Robert T. Kiyosaki co-founded an international education company that operated in seven countries, teaching business to tens of thousands of graduates. Now retired, Robert does what he enjoys most...investing. Concerned about the growing gap between the haves and have nots, Robert created the board game CASHFLOW, which teaches the game of money, here before only known by the rich.

Sharon L. Lechter is a wife and mother of three, CPA, consultant to the toy and publishing industries and business owner. As co-oauthor of RICH DAD, POOR DAD and THE CASHFLOW QUADRANT, she now focuses her efforts in helping to create educational tools for anyone interested in bettering their own financial education."


The Average Family's Guide to Financial Freedom: How You Can Save a Small Fortune on a Modest Income by Bill Toohey and Mary Toohey - Editorial Reviews - Amazon.com Review - Bill and Mary Toohey are about as average as a couple can be. They live in Iowa, pull down about $65,000 a year combined, and have three children. What's not average about them is that they have a net worth of about a half-million dollars. They've paid off their mortgage, and they paid cash for their cars. Their oldest daughter graduated from college with no debts and with money in the bank. How did they manage? It takes a book to explain the particulars, but the executive summary is this: They lived on about half their income, and saved and invested the other half. Part of their plan is simply saying no to impulse purchases such as soft drinks and candy bars. (They show how they accumulated $26,733 in eight years by investing the money they didn't spend on junk.) Their strategy involves, in part, shopping around for the best price on their big-ticket purchases. (They take you step by step through a few transactions, from research to purchase, so you can do this yourself.) But the biggest part is living small. They have a modest house (one bathroom). They don't try to keep up with the Joneses. Their investment strategy is very simple, mostly stock index and bond funds. By never trying to be more than average, they made themselves extraordinary.

It's hard to imagine that many people will be able to follow their entire program--that one-bathroom house will probably stop most readers in their tracks--and some of their ideas about cheap entertainment seem a little far-fetched. For example, if you're thinking of taking the children to the circus when it comes to town, they advise, take them instead to watch the circus troupe setting up tents and feeding the animals. Imagine the family fun when the kids go to school and realize all their friends got to see the actual circus. Still, there should be plenty of useful advice in this Guide to Financial Freedom for any family. Most of it is simple and makes intuitive sense, and the Tooheys' breezy, conversational writing style makes you feel as though you were sitting with them in their (small) living room while they shared it. Best of all, their plan clearly works. A half-million in savings on a middle-class income is a pretty good leg to stand on when offering advice. --Lou Schuler --This text refers to the Hardcover edition.

From Booklist - Money magazine named the Tooheys the "Best Personal Finance Managers in America" in 1994; later they outlined their financial strategy in Money's April 1997 issue. Now they lay out a comprehensive spending and saving program that focuses on spending less rather than saving more. What will make the Tooheys' advice so appealing to many is that they truly are "average" Americans, not professional money managers. Over the past several years, their annual income has averaged $65,000. Bill is a state vocational rehabilitation counselor; Mary is an office manager. They discuss how family finances affect relationships and how to build a money-saving mind-set, covering home buying and grocery shopping and all the necessary purchases in between. The Tooheys advise simplicity and self-reliance, yet their recommendations are not austere. They also include detailed guidance on investing, retirement planning, and parenting. Their goal is financial independence, and they stress that this does not mean not having to work. The Tooheys make a strong argument for the value of work beyond a paycheck. David Rouse --This text refers to the Hardcover edition.


Financial Freedom Now by Max Edison - Product Description - At this very moment your bank, your insurance company, your credit card issuer and other financial vampires are slowly, secretly driving you into debt with hidden fees, seemingly incosequential charges and blood-sucking interest rates. Now, Max Edison exposes the tricks of these economic parasites and show you how to beat them at their own game.

How to Achieve Absolute Financial Freedom by Joseph J. Janiczek - Editorial Reviews - "Ready to master money and reap rich rewards? Then read this book!" -- Mark Victor Hansen, Co-creator, #1 New York Times Best-selling Series, Chicken Soup for the Soul (R)

"Step by step, we are given all the tools necessary to overcome our fear of financial slavery and build confidence..." -- Lara Amber Ewing, President, Ewing & Associates, Inc.

People need to have a balanced relationship with their money, and I'm confident this book will be extraordinarily helpful..." -- John C. Bogle, Founder, former Chairman of The Vanguard Group

Ready to master money and reap rich rewards? Then read this book! -- Mark Victor Hansen, Chicken Soup for the Soul

Product Description - Isn`t it ironic? We are taught from early-childhood to become responsible and functional adults. Yet, when it comes to personal finances, we are left mostly to trial and error. We need a path and plan that will help us achieve the level of financial freedom to eliminate our exposure to economic dangers, build upon our talents and strengths. Reading this book is like receiving hundreds of hours of personal financial advice from one of this nation`s most qualified and experienced financial advisors: Joseph J. Janiczek, MSFS, ChFC. In language that is down-to-earth and compassionate, Janiczek provides the direction, confidence and new capabilities needed to completely master money. His exceptional understanding of human nature combined with his broad experience and knowledge in personal finance shines through and grabs reader interest from beginning to end. What differentiates this book from all others is that Janiczek provides solutions to the fears, changes and threats that paralyze most of us from taking action (a condition he refers to as financial stagnation). He also demystifies and simplifies money mastery into a process that is easy to understand and act upon. This book reveals how to be able to pursue your dreams without financial worries. It shows you how to build and modify your financial resources to provide the maximum level of financial freedom from the time you enter financial adulthood all the way through retirement.


21 Days to Financial Freedom by Dan Benson - Product Description - Benson, a former financial planner, proposes a 21 day plan to free the reader from financial worries and build the habits of buying wisely, saving smartly, and avoiding debt continually.

From the Publisher - "Motivation is what gets you started. Habit is what keeps you going." Studies have shown that practically any habit can be established in a 21-day period. The 21-Day Plan series supplies practical ways of applying consistent, concerted effort to bring about change. But this series is about more than just personal development. It helps people apply biblical truths to their everyday concerns, uniting faith with action to produce practical fruit. New titles help readers get in shape, develop their spiritual walk, expand their children's learning skills, and gain control of their finances. These life-enhancing books help people shake counterproductive habits to attain the testimony of a godly and fulfilling lifestyle. This simple, practical financial plan helps readers build habits to stabilize their financial lives and secure their monetary future. Step-by-step, here's how to identify problems and begin solving them--immediately! People can root out habits with proven strategies to gain control of monthly spending, get an immediate raise, get out of debt and stay debt-free, discover thousands of untapped dollars, straighten up personal financial records, assure a prosperous retirement, and more.


Make More than Your Parents: Your Guide to Financial Freedom (Make More Money Than Your Parents:) by Mike Bundlie, Kevin O'Donnell, and Bart DiLiddo - Product Description - Every kid knows that things are a lot more expensive today than when their parents grew up. That means they have to earn more than their parents, and this book will show them how.

Earning money should be fun. Make More than Your Parents uncovers the reality that, the more fun they make it, the better they'll be at it. With cool activities, helpful hints, fun graphics and journaling pages, this book provides a step-by-step process that outlines the most effective ways for kids to make their money work for them, to build a life of financial freedom.

Chapters include: Getting Started; Earning Money; Spending Money; Saving Money; Investing Money; and Be Your Own Boss. In addition, helpful resource sections outline job ideas, as well as agencies that can help with career advice and money management. A suggested reading list and glossary help make this book a fun, one-stop sourcebook for all money-management questions. Plus, readers can visit the Make More Web site: gotmoola.com.

From the Back Cover - Turn making money into a game that you win the day you start playing!

Let's face it. Life's a lot more expensive than when your parents were your age. That means you have to make more than your parents. This book will show you how. Making money should be fun! In fact, the more fun you make it, the better you'll be at it. With cool activities, helpful hints and a smiling blue monkey, we'll go step by step through the best ways to make money work for you. Fun chapters will help you learn about earning, spending, saving, investing and being your own boss. The sooner you get started, the sooner you'll be building a life of Financial Freedom.


The Secrets of Wealth: The Beginner's Guide to Financial Freedom by Fabio Marciano and Mike Litman - Editorial Reviews - "This book blew me away. It offers a simple, step-by-step roadmap you can use to build wealthŠTODAY!" -- Mike Litman, Coauthor of the #1 Bestseller Conversations with Millionaires

"This book can change your financial life! It's a proven blueprint to fast-start your journey to financial independence." -- Brian Tracy, Author, Goals!

Product Description
Synopsis of the Book

The Secrets of Wealth follows the story of David Allen, a recent college graduate who is trying to figure out how to manage his finances and invest for the future. A little zealous at times, he's fortunate to have found Mark Mathers, a savvy real estate investor and business owner who has offered to show David the ropes. They meet every Saturday morning at the local library to cover off on one of ten Secrets of Wealth.

The Secrets as you'll learn are not groundbreaking, revolutionary ideas or strategies. They're simply the stuff that works when it comes to saving, budgeting, investing, and becoming Financially Free. You've probably read about a few of them in the past and you may have already put some of them to work for you, but you just don't know it yet.

The idea behind the book is to create a set of easy to follow and easy to remember strategies and techniques for people to use in order to get control over their financial and personal lives. The book is unique for a personal finance book in that one of the Secrets actually talks about the importance of Investing in Yourself. In short, the author has done a lot of research into what the truly rich did when they were starting out and put it all into this book.

What Sets The Secrets of Wealth Apart

As you read through this synopsis and the book, you're not going to encounter too many revolutionary ideas. Many of the "Secrets" have been written about before in other books. What differentiates this book is the:

The Conversational Manner in which the subjects are discussed. Fables and stories have been one of the best ways to engage readers and get them interested in learning more. But this type of treatment is unusual for books on finance and investing.

Just 10 Things to Remember:

By sectioning the material into ten Secrets, readers can easily identify with the strategies and tactics that they should use. For instance one of the chapters in The Millionaire Next Door talks about being frugal, but readers don't come away with that concept as well as they could had the authors labeled the chapter: LIVE BELOW YOUR MEANS. If you take a look at the table of contents and read through the Secrets enough, you can easily recall the chapters and what you should (and shouldn't) be doing to build wealth.

Universal Methods of Achieving Wealth:

Whether you're just starting out or have your wealth-building machine in place, this book can help you. Most books on "getting rich" just focus on only what has worked for one person or a small group of people. This book will tell you how you can get rich investing through the stock market, or managing your finances, or real estate. In short, every reader, whether they have $10 a month or $1,000 a month to invest, will be able to use the principles and techniques discussed in this book.

Action Plans You Can Use:

There are Action Plans that appear at the end of each chapter that help guide the beginning wealthbuilder. Most books leave readers wanting to take action, but unsure of where to begin. Sure everyone wants to know the difference between the rich and the poor or how some author made millions, but what do I specifically have to do in order to get to the next level in life? This book will help in this respect by providing readers with specific items and action points that they can take today, not tomorrow.


Financial Freedom on $1 A Day by Suzanne Kirkland Kincaid - Product Description -
WHO COULD USE THIS BOOK?
Parents -- Be home for the most important job
Senior Citizens -- Create income for a quality retirement
College Students -- Earn your degree without financial stress
Educational Support Systems -- Funding without raising taxes
Independent Politicians -- Funding for you and your donors
Network Marketers -- Maximum profits ‹ Minimum efforts
Small Business Owners -- Unbeatable benefits for employees
Charities/Non Profits -- Income for your cause and your donors

ANYONE NEEDING EMERGENCY FUNDS FOR:
* Bankruptcy
* Home Foreclosure
* Unemployment
* Medical Expenses

It is the SYSTEM that is so powerful!

You're not at the mercy of any one particular program or company's success -- nor any particular product -- nor any particular market conditions! 1.4 trillion dollars circulate the globe daily. Tap into the income stream and spend your share on things that matter most to you. Then help others do the same. All the proceeds from the sale of this book go to the Universal Peace & Prosperity Foundation.

About the Author - Frustrated with the inequities of life, tired of working hard and determined to make a significant contribution toward global unity, Suzanne founded the Universal Peace & Prosperity Foundation. Her personal goal is to empower people to live peacefully and prosperously.

Suzanne's quest to fulfill this goal, combined with her 30 years experience as an investor and small business owner, led her to develop a simple system that anyone can use to create wealth. She envisions millions of people using the InVeStworks Model System to transform the world of business from operating out of fear, greed and competition to one that operates from a base of love, sharing and cooperation -- a model system where everybody benefits.

Suzanne is a Humanity's Team Leader with Neale Donald Walsch and a member of Women of Vision and Action. She lives in Seattle, Washington with her husband and their two children.


Five Minutes to Financial Freedom by Mercedes vanEssen - Product Description - This pocket book is your key to financial freedom. The simple and practical steps revealed in this little book have the power to change your money fortunes. They are based on the homeopathic principle of micro input for maximum results. Regular mental micro stimulus over a period of time programs your mind to attract wealth. Use the exercises in this book daily and in the following weeks and months you develop automatic prosperity consciousness. Mercedes Oestermann van Essen has taught these techniques for many years to her clients and in workshops in the U.K.

Keys to Financial Freedom: Strategies for Debt-Free Living by Dennis Leonard - Product Description - Financial insecurity is the #1 cause of stress, loss and breakdown in families and relationships today.

In this day and age, many people have been forced to build their financial future on the shifting sands of an unstable economic landscape. Even more people cannot plan for the future because they must operate from month to month, paycheck to paycheck. For them, life is a constant struggle to make ends meet. They live in a place of "just barely making it".

Many people want to be blessed. They want to have more than enough. But few are willing to pay the price. Financial freedom does not just happen, it is a choice.

In his new book, Dennis Leonard outlines useful, practical insights that will empower you to achieve your financial success--just as they have for him. In Keys to Financial Freedom you will learn

How to assess your financial condition New money management habits How to build a financial plan How to grow in wealth and prosperity

Discover the strategic keys that will empower you to prosper, ignite the faith that moves mountains, and change the direction of your life!

About the Author - Bishop Dennis Leonard is the founder and Senior Pastor of Heritage Christian Center in Denver, Colorado. Through God and the leading of the Holy Spirit, the church has accomplished what many others have found almost impossible to achieve: attracting and retaining one of the most ethnically diverse congregations in America. Described by his peers--as well as the greater spiritual and secular community--as a true leader and an example to follow in the ministry of reconciliation between cultures and denominations, Bishop Leonard is a visionary who answers the call of missions both overseas and in the United States. The multi-cultural ministry that God began and established at Heritage Christian Center is now being taken to the world


Killing Sacred Cows: Overcoming the Financial Myths That Are Destroying Your Prosperity by Garrett B. Gunderson - Editorial Reviews - From Publishers Weekly - In this thought-provoking work, entrepreneur and inspirational speaker Gunderson takes aim at the social brainwashing and financial planners and institutions that are constricting Americans' financial freedom and undermining their abilities to prosper with misguided and dangerous advice. The author debunks various investment myths--offering a fresh look at 401(k) fallacies‹and false beliefs (high risk = high returns). In a book studded with anecdotes and historical tidbits, Gunderson excels in his description of the prevalent psychological beliefs that hinder success: the scarcity mindset in which financial success is understood as a zero-sum game; the American equation of happiness with prosperity; and the misconception that money holds power. In appeals more befitting a self-help guide than financial primer, the author argues that individuals need to embrace a mindset of self-reliance and identify their Soul Purpose. In the vein of The Secret and the classic Think and Grow Rich, Gunderson suggests that prosperity is a state of mind from which value and wealth flow. Readers will find his assault on traditional financial nostrums fresh, eye-opening and emboldening. (July) Copyright © Reed Business Information, a division of Reed Elsevier Inc. All rights reserved.

Product Description - Our culture is riddled with destructive myths about money and prosperity that are severely limiting the power, creativity, and financial potential of individuals. In Killing Sacred Cows, Garrett B. Gunderson boldly exposes ingrained fallacies and misguided traditions in the world of personal finance. He presents a revolutionary perspective that can create unprecedented opportunity and wealth for thoughtful, mission-driven individuals.

Our financial lives are intimately connected to our societal contributions, and we must be financially free in order to achieve our fullest potential. Sadly, however, most people are held captive in their financial lives by misinformation, propaganda, and limited knowledge. Through well-reasoned arguments, unflinching logic, and revelatory insight, Gunderson defeats common cliches and faulty retirement planning advice to plainly demonstrate the following and much more:

* 401(k)s and the stock market are the most risky investments for most people and the gambling mindset they induce creates disastrous consequences.
* Conventional retirement planning advice, products, strategies, and techniques expose you to significant danger of being unable to retire, or of running out of money prematurely if you do.
* Building net worth is a recipe for creating a life of fear and poverty and how to escape that common trap.
* Debt may not be what you think it is and why that matters to your prosperity.
* 'High risk equals high returns' is destructive dogma and how reducing risk can increase your returns.

Killing Sacred Cows is a must-read for brave individuals willing to question common assumptions and teachings, overcome the herd mentality, break through financial myths, and live a purposeful, passionate, and prosperous life.


Biblical Strategies to Financial Freedom by Dustin B. LaPorte & Anissa B. LaPorte - Product Description - Unlike other financial books, this book combines the best of both biblical and financial principles in a quick, easy to read format. Whether you are an experienced financial professional or a novice, this book is full of useful information and tools needed to make a powerful impact on your own finances.

For over a decade, Dustin has been helping people reach their financial goals by teaching and implementing biblically based financial principles and strategies. He is a native of the Carolinas and is a graduate of the University of North Carolina at Charlotte holding a Bachelor of Science degree in Business Administration and CERTIFIED FINANCIAL PLANNER designation. He also writes articles for the Holy City Chronicle, a popular Charleston Christian newspaper. He has conducted over a thousand one-on-one personal consultations, as well as many group seminars for various organizations and churches.

Anissa provides a unique perspective. She is a graduate of the Medical University of South Carolina. Through their years of marriage together, they have experienced the challenges and blessings of biblical based financial management. They have taken the best of what they have learned and placed it in this book for you to experience.

About the Author - For over a decade, Dustin has been helping people reach their financial goals by teaching and implementing biblically based financial principles and strategies. He is a native of the Carolinas and is a graduate of the University of North Carolina at Charlotte holding a Bachelor of Science degree in Business Administration and CERTIFIED FINANCIAL PLANNER designation. He also writes articles for the Holy City Chronicle, a popular Charleston Christian newspaper. He has conducted over a thousand one-on-one personal consultations, as well as many group seminars for various organizations and churches. Anissa provides a unique perspective. She is a graduate of the Medical University of South Carolina. Through their years of marriage together, they have experienced the challenges and blessings of biblical based financial management. They have taken the best of what they have learned and placed it in this book for you to experience.


Money Management for the Creative Person: Right Brain Strategies to Build Your Bank Account and Find the Financial Freedom to Create by Lee Silber - Product Description - From the Inside Flap

Don't Let Money Stall Your Creative Career!

Ask an artist, a musician, an actor, or a graphic designer, and each and every one will tell you the same thing: To have the money to create, you have to be creative with your money. If you're lucky enough to have found the perfect career for you, one that lets you showcase your talents and keeps your creative juices flowing, congratulations! However, Lee Silber knows the dirty reality most of you are all too familiar with: Even when your creative juices are really flowing, that doesn't necessarily mean that money is pouring in at the same pace. In Money Management for the Creative Person, Lee Silber offers a myriad of valuable advice for doing just that, including:

* How to know which of your creative talents are the most marketable and can earn you the most money
* How to take the 'free' out of freelance and charge what you're worth
* Why you should avoid the pitfalls of accumulating too much debt in a lean time and should always remember the importance of saving in a boom time
* Remembering that you can succeed in your endeavors without selling your creative soul
* How to find the funds to finance your dreams

Full of eye-opening facts, instructive anecdotes, and real-life examples from Silber's own experience, Money Management for the Creative Person is your guide to getting a financial life so you can maintain your creative one.


Find Financial Freedom: I Did And You Can Too. by Peter Wilmore - Product Description - Peter Wilmore knows all about battling and overcoming financial troubles. After digging himself into a deep financial hole starting with credit cards in college, his troubles spread until he almost declared bankruptcy. Finally he fought back and began to work his way out of debt, save money and invest. This book is the product of those experiences. Inside, you will find Peter Wilmore's thoughts and strategies on goals, budgeting, saving, debt reduction, investing, insurance and managing your tax burden. The author has been in difficult straights and now explains how he overcame them to find financial freedom.

7 Keys to Financial Freedom by Jon Byler - Editorial Reviews -

"I strongly recommend this book particularly to pastors, church leaders and all those who desire financial freedom." -- Bishop H. Z. Mulandi

"I strongly recommend this book to all those who desire to enjoy financial freedom in their lives, ministries and businesses." -- Bishop H. Z. Mulandi, International Director of ACMI

"I strongly recommend this book to all those who desire to enjoy financial freedom in their lives, ministries and businesses." --Bishop H. Z. Mulandi, International Director of ACMI

"This is a wonderful and challenging book. I pray that thousands may come to know the truth of financial freedom." -- A Church Leader

"This is a wonderful and challenging book. I pray that thousands will come to know the truth of financial freedom." -- A church leader in East Africa

"This is a wonderful and challenging book. I pray that thousands will come to know the truth of financial freedom." --A church leader in East Africa

Product Description - This book gives powerful Biblical principles for financial freedom presented in an easy to read format. A discussion guide for groups is included.


5 Laws of Credit: For Your Personal Credit and Financial Freedom by Brian, M. Clarke - Product Description - This book is a need to know roadmap for an individual's journey to comprehend the secrets to Personal Credit and financial freedom. It provides knowledge on the "how" and "why" of Credit:

* How & Why to Get It
* How & Why to Grow It
* How & Why to Repair It
* How & Why to Maintain It

It provides a simple approach to the fundamental principles of attaining Personal Credit and financial freedom that are not taught in schools. Thus, this book is essential for our younger generation to ensure that healthy financial decisions are made early in life. Moreover, for our not so young generation, this book is important for those of us who may not have known that these principles work in the manner described by the author. John Maxwell, author of Thinking for a Change, says "One of the reasons people don't achieve their dreams is that they desire to change their results without changing their thinking." He also quotes billionaire entrepreneur Richard M. Devos who states, "The only thing that stands between a man and what he wants from life is often merely the will to try it and the faith to believe that it is possible." In the lands of my birth and rebirth, I learned to payback what I borrow and not to think narrow. For every problem there is a solution and for every solution there is a problem! The problems of debt and lacking access to Capital are common amongst millions of people worldwide. This book guides the thinking and behavior of individuals in attaining the ultimate goal of Personal Credit and financial freedom. It is also a practical tool for creating one's own solution to eliminating the problems of debt and obtaining access to Capital.


My Life & 1,000 Houses: Failing Forward to Financial Freedom by Mitch Stephen - Product Description - This autobiographical tale is perfect for entrepreneurs and a must-read for anyone aspiring to be a real estate investor. Beginning with a handful of credit cards, he mastered the art of the purchase and sale of single and multi-family residences, small commercial properties, manufactured homes, raw land and lots, and eventually was honored by the San Antonio Real Estate Investors Association. Combining commonsense, experience and technology, he merges real estate and Internet marketing. With fifty one informative chapters, including an eye-opening introduction to "Adversity University," and powerful food for thought in "Escaping the Debt Trap" and "The Moat Theory: Keep Something Sacred," this book provides insight far beyond deal making. In the second half of the book, he delivers eighteen anecdotes such as "So What Can a Dollar Buy?" and "The Art of War," stories about real life in the real estate trenches. You simply can't make this stuff up. While everyone's struggles are different, you are sure to connect with the author's tumultuous and rewarding journey. You don't need a college class ring to be a success but a successful person's education never ends. Continue your education on a deeper level and read the book My Life and 1,000 Houses.

About the Author - A self-taught real estate entrepreneur, Mitch Stephen has purchased over a thousand properties over the past decade. He was proclaimed the founder of the San Antonio Real Estate Investors Association whose more than eight hundred members dedicated their headquarters in his name. The founder of www.Homes2Go.com, a powerful Internet tool for real estate investors, he preaches the virtues of the worldwide web and the absolute necessity of a global presence. In addition, he has lectured on a wide variety of topics, ranging from owner financing mobile homes to purchasing commercial buildings. Truly a renaissance man, in March of 2005, he won the Tejano Music Award's "Crossover Song of the Year" for "Who's that Gringo," co-written by Billy O'Rourke and performed by the multiple Grammy Award-winning group, David Lee Garza y Los Musicales. Mitch Stephen lives and works with his wife and daughter in San Antonio, Texas. This is his first book.


Buying a Business to Secure Your Financial Freedom by Edward T. Pendarvis - Product Description - The low-risk secret to a high-pro fit business--a perfect primer for first-time entrepreneurs - More and more people are leaving their jobs and investing in small businesses--today's leading job growth opportunity. But isn't it risky? Not with Ed Pendarvis, whose business brokerage firm was rated #1 by Entrepreneur magazine. Once investors learn how to find and evaluate the right kind of business, the risks can be reduced--and profits dramatically increased. The secret lies in valuing and purchasing an already existing small business or franchise, one with a proven track record and potential for continued success.

With this simple motivational guide, even a first-time entrepreneur can learn how to:

* Locate a business
* Negotiate a price
* Complete a sale
* Protect an investment
* Finance the future
* Achieve true financial freedom

From the Back Cover - Small business guru Ed Pendarvis has a powerful message for everyone struggling with the economic uncertainties of life in these times of record job losses: "Invest in a sure thing--invest in yourself!"

Worried about losing your job to downsizing or outsourcing? Tired of working longer hours for less pay? Had it with the corporate rat-race and think you're ready to become your own person controlling your own destiny? If so, then this book is for you. It shows you how to achieve real job security and financial freedom by becoming the owner of your own small business or franchise.

But isn't going into business for yourself risky? Not necessarily. As Ed explains, small business is the most secure growth opportunity there is--especially when the business you go into has a proven track record and a loyal customer base. And, as boss of your own business, given that you'll keep more of the profits your company earns, your chances of becoming a millionaire are much greater than they would be as an employee. You'll never again have to worry about downsizing, arbitrary layoffs, or having your job outsourced to a developing nation.

As founder and head of his own successful international business brokerage firm, Ed Pendarvis knows pretty much all there is to know about matching people up with the right small businesses and franchises for them.

In Buying a Business to Secure Your Financial Freedom he draws upon his experiences, as well as the experiences of hundreds of small business owners and entrepreneurs around the country who've realized their dreams of financial independence, and shows you how to:

* Locate the best business or franchise for you and your family
* Determine the real value and growth prospects of a franchise
* Negotiate the best price and best payment terms and conditions
* Obtain financing at the most reasonable terms
* Complete the sale
* Protect your investment
* Achieve true financial freedom

Packed with priceless insider advice and tips you won't find anywhere else, Buying a Business to Secure Your Financial Freedom could be your ticket to the life you want and deserve.

Find true financial freedom in a job no one can outsource In this important book by small business guru Ed Pendarvis, you'll discover the secret behind achieving real job security and financial freedom in these economically complex times.

Did you know that 98% of businesses in America are small businesses, and that most of the economic growth that has occurred over the past decade has been in the small business sector? Or that, contrary to popular opinion, small business is today's leading job growth opportunity and the best investment you can make? The trick is buying not just any business, but an established one with a good cash flow and a loyal customer base. In Buying a Business to Secure Your Financial Freedom you'll learn how from one of the world's leading experts on matching people with the businesses of their dreams.

A perfect primer for first-time entrepreneurs, it fills you in on what you need to know about:

€ Finding the right business for you
€ The importance of cash flow
€ Valuation methods
€ Financing and terms
€ The art of negotiating the best price
€ Protecting your investment

Don't leave your family's financial future in the hands of corporate bean-counters. Ed Pendarvis gives you the knowledge about Buying a Business to Secure Your Financial Freedom.


Zero Debt: The Ultimate Guide to Financial Freedom (Zero Debt) by Lynnette Khalfani - Editorial Reviews - "This is a great book!" Tavis Smiley, The Tavis Smiley Show (PBS and NPR) -- Tavis Smiley Show

If you ve got credit card debt, you need to get this book and read it. There are some great ideas in there. --Dr. Phil, discussing Zero Debt: The Ultimate Guide to Financial Freedom on his show

Want to live debt free? You can with the help of Zero Debt: The Ultimate Guide to Financial Freedom. Here at last is a viable action plan for debt-free living that is both easy to understand and easy to put into action. --Black Enterprise Magazine

Product Description - From the Author: I know what it s like to have excessive credit card debt. In fact, I know the stresses of having $100,000 in debt. That s the main reason I wrote Zero Debt -- to give people in debt a message of hope: You can conquer your debt! And in many cases, you can do it much faster than you think. If you re drowning in debt, I urge you to pick up a copy of Zero Debt to learn how to quickly eliminate that debt and get on the road to financial freedom. Don t delay: start dumping your debt today! Book Description: Would you like to be free from financial worries, rest at night knowing your bills are paid, and have peace of mind when it comes to money matters? Then you need Zero Debt. In Zero Debt, you ll discover: * How to get annoying creditors off your back * Insider secrets to reduce interest rates or eliminate credit card late fees * Your legal rights and what bill collectors can and can not do under the law * The best strategies to clean up your credit report or fix errors in your credit file * How to make lifestyle changes that will save you money for decades to come! If you want to be debt-free and achieve financial freedom, you need an action plan to guide you. This book is your step-by-step plan. It s simple. It s easy to understand. And it works.


The Graduate's Guidebook to Creating Wealth and Financial Freedom While Navigating Life's Illusions by Peter Alan Dennis - Product Description - Any era can be described as "uncertain", but this one more than most. Many "things" of value aren't as solid as we thought. Jobs vanish, even from profitable companies. College tuitions rise faster than a parent can save. An offer of early retirement may carry the subliminal message "take it or else". And, after September 11th, we dare not count on being totally safe.

Yet neither can we put our lives on hold. Our days progress toward personal goals that are deeply held and widely shared: to enjoy our work and our homes; raise and educate our children and grandchildren, and provide for our futures. We hope to improve our standard of living and secure our older age. We have choices to make about when to borrow, what to save, and where to invest. A shiver of doubt may urge more caution than we felt a few years ago. But life can be long and assumptions change. In good years, we should build safety nets, in case our prospects take a turn. In bad years, we should be laying plans for the better times that lie ahead.

This book was designed to help find a balance point between safety and enterprise, to address our fears without putting limits on our hopes. It's a step-by-step system for being responsible for your own lifestyle and financial planning. By working with these chapters one by one, you will master the fundamentals of money, build a base to keep you and your family safe, then begin to accumulate the kinds of investments that best suit your age, goals and circumstances. Don't hesitate to make these decisions by yourself. The chief difference between you and a professional planner is information. This book, I hope, will close that gap. Some of the details will change over the years that you use this information, but the broad principles of personal finance will stay the same: save money, borrow intelligently, invest for growth.


Your Money Map: A Proven 7-Step Guide to True Financial Freedom by Howard Dayton - Product Description - Finding your way to a travel destination requires a map and the same is going to be true for reaching your financial destination.

Based on the phenomenally popular Money Map concept created by Crown Ministries, this is a simple roadmap for organizing one's finances through life. Howard Dayton's expertise and financial experience come to light as he guides readers on a journey toward Biblically based, true financial freedom...

From the Inside Flap - "This may surprise you, but money is the primary competitor with God for our affection. Jesus tells us we will serve--and love--one or the other. . . "When the Crusades were fought during the twelfth century, the Crusaders purchased the services of mercenaries to fight for them. Because it was a religious war, the Crusaders insisted that the mercenaries be baptized before fighting. "As they were being baptized, the soldiers would take their swords and hold them up out of the water to symbolize that Jesus Christ was not in control of their swords, that they retained the freedom to use their weapons in any way they wished. "Many people today do a similar thing. They hold their wallet or purse out of the water, an attitude that says, 'God, I yield control of my entire life to you except in the area of money--I am perfectly capable of handling that myself.' And without realizing it, this attitude hinders their relationship with God and harms their finances." --From Your Money Map




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