The good: High School Money Book gives a high level overview for understanding the true value of money, making financial goals, frugal living, shopping tips, credit and debt, philanthropy, preparing for college, online banking, basic investing, working, and preparing for the future with topics like insurance, mortgages, preparing wills, and more. While none of these topics go in depth, they give enough information to get the reader thinking about the topic, which is the goal of the book.

The bad: The only bad thing I can say about this book is that it does not go into much detail on most topics. However, this book is not aimed at people who already have a strong foundation in personal finance topics.. It is designed to be an introductory book, and it does a good job. But some people may read this and feel like they want more information. That is actually a good thing because then the author achieved the results for what he set out to do: get people thinking about money and personal finance.

Should you buy High School Money Book? Even though the title is High School Money Book, this book makes an excellent beginner’s guide to personal finance and is good for all ages. High School Money Book is also a good read for a quick review of personal finance principles. While I don’t consider myself an expert on personal finance (though I think I have a strong foundation), I learned a few things in this book. I wouldn’t recommend this book to people with a lot of experience, but I would definitely recommend it to anyone graduating high school, college, or to anyone who needs a good place to begin their financial education.

Following my tradition for book reviews, I will give this book away. However, since my (much younger) sister is graduating high school next week, I will give this to her. She just doesn’t know it yet.

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It’s only fair to note that this book is written for a female audience. But if there is one thing I’ve learned about money is that it doesn’t discriminate!

About the author. Before reading this book, I was not very familiar with Jean Chatzky, who is a best selling author and a semi-regular on the Oprah Winfrey show. She is also a journalist, financial editor for the Today show on NBC, and she hosts a nationally syndicated daily radio program, Talking Money with Jean Chatzky. With these credentials, I would say she is someone who is well qualified to talk about money!

About the book. The book’s goal is too help people get over their fear of money. In my opinion, this book is designed to help people who may be intimidated by money get over their fears. This is aimed more toward people new to money management, but there are some solid tips within it’s pages that are applicable to everyone.

What I liked. Jean Chatzky has a no nonsense approach to money matters. I would classify her writing as a female version of a mix between Dave Ramsey and Larry Winget, who wrote You’re Broke Because You Want to Be. The tagline on the back of the book is “Get Rich, Don’t Bitch.” I like that phrase, because it reiterates that you hold the keys to your financial future.

Each chapter starts off subtitle highlighting a common complaint many people have regarding handling money. It is titled: “Don’t Bitch.” Then Chatzky discusses common ways to deal with these situations under the heading “Get Rich.” Whining about the situation won’t fix anything, but action will. And this book is a call to action.

I also like how this book deals with the psychology of money instead of just cold, hard numbers. There are other great tidbits of information including how to reduce loans, pay off debt, make saving automatic, and a great glossary of financial terms used throughout the book.

What I didn’t like. There is not much bad to be said about this book. However, it is written as an entry level financial book. That doesn’t mean there isn’t value there, because there is a lot of value - it just depends on the audience. This book is directed toward women, so some men may not appreciate it as well as women might, but I still think they would gain a lot from reading it. This is also not an investing book and won’t tell you where to put your money to make millions. But in many ways it is more important than an investing book, because it helps people change their money habits whichcan be infinitely more rewarding.

Buy or don’t buy? Make Money, Not Excuses is targeted toward women, so definitely take that into account when making the decision to buy it. However, I think there is a lot of good information that can be learned from this book. This book is a very good introduction for someone looking to turn around their finances and I would recommend it for anyone who needs to change their money habits. If the audience is a man who wouldn’t be caught dead reading a book with a pink cover, then I would recommend You’re Broke Because You Want to Be, by Larry Winget.

Want a free copy?

I’m giving away my copy to one lucky reader. To enter, you must send me an e-mail with the secret phrase as the subject. The secret phrase is included in the footer of my RSS Feed or e-mail subscription. Here is more info about how to subscribe if you are not familiar with it. Once you have the secret phrase, you can e-mail me via my contact form. Subscribing is free, and you can unsubscribe at any time.

How the winners will be selected:

The giveaway ends May 24th at 11:59 PM, Eastern Daylight Saving Time. I will use a random number generator to select the winner, which I will announce on this website Sunday, May 25th.

Good luck everyone!

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I was very impressed with his background and when I sat down to read this book, I was even more impressed with it’s sound advice and information. Schlagheck isn’t selling a fund or an investment plan - his concern is to get readers to prepare for retirement. He does this through solid examples, historical references, and hard facts. This isn’t a book about number crunching, so much as it is a book about how to change your current financial lifestyle to prepare for a long life and a period when your investment income will likely be your sole source of income.

Cash-Rich Retirement is organized into three parts:

Part I: Your Retirement is In Grave Danger!

Many people have a preconceived notion of retirement, but unfortunately, they aren’t prepared for it. And the problem is not getting better. Schlagheck gives a brief overview of the history of retirement and how it has evolved to the present day.

Many Americans who are nearing retirement age are finding they do not have the pensions or other defined benefit plans (pensions) that were common only a decade or two ago. In their place now are defined contribution plans such as 401(k)’s, IRA’s, and profit sharing plans. This is a big cultural change from previous years, and many people are not prepared for it. Other institutions that Americans have long relied upon are Social Security and Medicare, which are facing problems of their own. Relying upon these may lead to financial difficulties in retirement.

The other topics covered in this section are busting certain assumptions about wealth and the coming demographic change when the Baby Boomers retire. I’ve seen this a lot where I work - as approximately 60% of the workforce will be eligible to retire within 5 years, and 75% will be eligible to retire within 10 years. This is a very interesting chapter.

Part II: Six Steps to Bulletproof Your Retirement

The six steps are:

• Change your automatic pilot: recognize how much money you will actually need and put a plan in place to achieve that (automatic saving/investing), etc.
• Diversify your holdings in radically different ways.
• Build out your investment plan with funds, indexes, and objective research.
• Get all the professional help you can.
• Build income streams with a ladder of annuities.
• Invest in health care insurance (by this the author refers to buying insurance for yourself - healthcare will not get any cheaper!).

Part III: The Care and Feeding of Your Nest Egg

Once you have begun saving and investing for retirement, you will need to do periodic tune-ups to ensure your holdings are balanced and in appropriate investment vehicles. The author also gives a few alternate methods for ensuring your financial future as you age, such as tapping your home’s equity with a reverse mortgage. There are also times when you need to be more careful with your retirement funds - especially when you will be needing them in a few years. In times of a recession, it may be best to invest in defensive type holdings, some of which are outlined in the book.

What I liked: Cash-Rich Retirement is a solid book about preparing for your future. It is straight forward and easy to understand, and does not involve crunching numbers (which many people prefer not to deal with). This is not a dry book by any means, and is not selling another product. This is just great information.

I enjoyed the writing style and a few interesting historical references that were included to explain the current state of our economy or how retirement works in the US. Each chapter also ends with a short “plan of action” that neatly summarizes the main point of the chapter and gives the reader a quick way to implement the ideas discussed.

My thoughts: This book is good for just about anyone - from the beginning investor to someone who knows about investing, but hasn’t really planned much for retirement. While this book does not tell you which plans to invest in, it does something even more important - it gives you the reasons you need to invest. Blindly investing without a plan won’t do much for you other than put numbers on paper. Having a plan means you can measure progress and will have motivation for following through.

Buy or Don’t Buy: Cash-Rich Retirement is good book, and I can’t find anything wrong with the principles it teaches. If you are planning on beginning your retirement planning soon (it’s never too early!), then I think this is a good place to start. I think borrowing it from the library would work, but this is a book you may wish to have around for reference. Either way you can’t go wrong.

Oh, and I’d offer to give you my copy, but I gave it away already!

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Those are strong words, and words I believe to be true. This is a quote from Robert Kiyosaki’s book, Increase Your Financial IQ, and I believe it sets the pace for what this book stands for: Financial education.

Just so we’re clear, this book is not how to get rich, or make money, although Kiyosaki does throw out a few ideas on these matters. No, this book is about increasing your financial knowledge. There is a big difference between the two, and it is important not to purchase this book thinking you will get rich from reading it.

However, there are some great observations Kiyosaki makes about how wealthy people deal with money vs. how middle class people deal with money. He outlines his thoughts in what he calls, the Five Financial IQs -

The Five Financial IQs

• Financial IQ #1: Make More Money
• Financial IQ #2: Protecting your money
• Financial IQ #3: Budgeting your money
• Financial IQ #4: Leveraging your money
• Financial IQ #5: Improving your financial information

Financial IQ #1 - Make More Money. This is a no-brainer, right? Well sometimes it is easier said than done, but Kiyosaki believes anyone can do it. According to RK, making money is all about how you leverage your time and talents. RK is a big fan of business owners working to create alternative and passive income streams instead of trading your time for money.

Financial IQ #2 - Protecting your money. Pay fewer taxes. Kiyosaki is referring to legal ways of reducing your taxes! For many people this is easier said than done, but Kiyosaki gives several examples of how it can be done. Mostly though, he is referring to the types of income and investments you have - for example, owning your own business and using legal business deductions.

Financial IQ #3 - Budgeting your money. The key here is to spend less than you earn. If you budget for a surplus, it will be much easier for you to have extra money to use for step 4 - leveraging your money.

Financial IQ #4 - Leveraging your money. Here, we are talking about investing. Kiyosaki is not talking about investing in mutual funds or stocks, which he things is risky. He recommends investing in real estate, precious metals, or other things you have control over. According to Kiyosaki, he is heavily invested in real estate and he owns a silver mine.

Financial IQ #5 - Improving your financial information. Obviously, you made it this far, so you are doing something right! Seriously though, this goes back to the opening quote of this review. Increasing your financial mindset is one of the most important things you can do for yourself.

What I liked and didn’t like

Like. Kiyosaki is a contrarian, which at times is a good thing. He believes more people should work for themselves to create wealth and alternative income streams instead of relying on trading your time for a paycheck. This is contrary to what many people believe - go to school, get a good job, and save. Not everyone should run their own business, in my opinion, but everyone can do little things to increase their income.

Didn’t like. Kiyosaki is extremely harsh on the stock markets, which in itself is not a bad thing. But it is a bad thing when you make incorrect blanket statements about them. Case in point: “You can train a monkey to save money and invest in mutual funds. That is why the returns on those investment vehicles are historically low.”

Obviously, this is a horrible statement. Many funds have high historic returns, as does the market as a whole. However, there are no guarantees with the market, and the US market is based on the US dollar, which has been steadily losing value for years. I believe this is Kiyosaki’s main contention with the markets.

Buy or don’t buy (or get it free!)

There are a lot of people who do not agree with Kiyosaki’s view points concerning financial matters, and in some cases, I agree. But this book is not about how to make money, it is a different way to think about money. I don’t think this is a great investment for those with an advanced understanding of personal finance, investing, or business, but if you read it you may pick up a few things. I do think this is a good book for people with an entrepreneurial spirit, or those who don’t handle money well. You can buy Increase Your Financial IQ, or you enter a book giveaway and maybe get it free! I have 2 copies available and the contest ends March 29th. Good luck!

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Jordan E. Goodman is a former Money Magazine journalist and has written several best-selling books. He also makes regular television and radio appearances with regard to financial and investment topics.

In this book, Fast Profits in Hard Times: 10 Secret Strategies to Make You Rich in an Up or Down Economy, Goodman discusses 10 different investment venues that have the potential to bring you good returns regardless of the overall economy.

In his discussion about these ten financial topics, Goodman explains how these strategies work, gives information on how much time and effort are involved, reasonable start-up costs, realistic earnings expectations, investment liquidity, and how to minimize risks.

So, without further ado, here are the 10 strategies:

1. Investing in Tax Liens and Deeds
2. Build Wealth Fast with Below-Market-Value Real Estate
3. Income Trusts and Master Limited Partnerships
4. High-Yield Equities
5. DRIPs (Dividend Reinvestment Programs)
6. Bonds and More Bonds
7. Options
8. Foreign Exchange
9. Tapping Into Cash Flow
10. Passive Income Strategies

What I liked: My favorite strategies in this book are the DRIPs (Dividend Reinvestment Programs) and Passive Income Strategies. Both of these topics involve having your money work for you instead of the other way around.

The other aspect of the book I enjoyed was the reading lists at the end of each section. This book is a high-level overview of these investment strategies, and not designed to be a stand alone investment guide. The listed resources offer more detailed information about the respective investment strategy.

My thoughts: This book is not for the beginning investor. Most of these topics are complex and risky. Yes, you can make a lot of money with them, but you can also lose a lot more - particularly if you don’t know what you are doing. I think Goodman does a good job of explaining the principles of each of the topics. But just because I understand the principles of flight doesn’t mean I should sit down behind the controls of a passenger plane.

Buy or Don’t Buy: This book is good for a high level understanding of different investment topics, how they work, what it takes to get into them, realistic earnings, etc. But it is by no means a detailed how-to investment book. If you are looking for a book that can give you investment ideas, this can be a good place to start. However, if you plan on investing in any of these areas, I would recommend learning more about them than this book offers. The additional reading lists at the end of each chapter would be a good place to start.

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You’re Broke Because You Want to Be

What this book is

The full title of this book is You’re Broke Because you Want to Be: How to Stop Getting By and Start Getting Ahead. This is a self improvement book designed to make you take a hard look at your spending habits and your financial goals.

This is a book that you not only read, but use. There are several worksheets spread throughout the book to fill out as you read along. This is designed to make you think about your dreams, needs, expenses, feelings, goals, budget, etc. By the time you finish this book you should have a good idea of how much money you earn, what your expenses are, you should have defined your financial goals, and designed a plan to reach them.

What this book is not

This book is not a get rich quick book. This book will not solve all of your money problems and Larry tells you this upfront. This book will only serve to motivate and guide you, but it will not change your life. You must change your life.

In addition, Larry makes a clear distinction between being poor and being broke. He acknowledges there is a difference between the two, the main difference is that being poor is a sad, but inevitable part of society; being broke is controllable. This book is not designed to fix the world. It was written to help people who have the power to change their situation by changing their priorities.

Who should read this book?

If you are in debt and haven’t thought much about why you are in debt, this is a good book to read. If you constantly feel like you are struggling to make ends meet even though you make a decent income, this may be the book for you. If you are surrounded by expensive toys, wear expensive designer clothing, and drive around a huge car payment (yes, I wrote drive a huge car payment), this book is definitely for you. There are ways to improve your financial situation; you just need to recognize opportunities and change the way you think.

Buy or don’t buy?

You’re Broke Because You Want to Be was entertaining for me to read, but I do not feel like I am the target audience. But that is because my wife and I are not broke. We have done a good job at reigning in our expenses and we spend less than we earn. However, if you are just starting to think about getting rid of your debt and don’t know where to start, or you have been working on getting out of debt and need a different perspective, You’re Broke Because You Want to Be is a worthy book to buy.

If you don’t want to spend money because you are trying to get out of debt, then use the library (just use a separate piece of paper for the worksheets so others can use this resource!).

Want a free signed copy of this book?

Larry and his marketing team were kind enough to send me a signed copy of this book to review. Now that I have read it (no I didn’t fill out the worksheets!), I want to give it to one of my readers. The process is easy, all you have to do is subscribe to my website (it’s free!). In the footer of the subscription is a secret phrase that you need to send me via e-mail. Please note, I am sending this on my own dime, so I will only ship to the US, Canada, and the UK. Thanks, and good luck!

Note: The book has been given away! But all is not lost - I have monthly book giveaways, so stay tuned! The best way to do that is to subscribe to my site!

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About Louis Navellier: Navellier is one of the most well-respected and successful growth investors of in recent history and this book is a reflection of what he does best – it gives readers a understanding of how to increase wealth by using the same growth investing strategies Navellier employs.

About The Little Book That Makes You Rich: I think this book is very straightforward and well written. The book simplifies selecting growth stocks down to 8 simplified criteria, and gives them to you right up front. Translation - the book isn’t trying to sell anything extra or make you work to find the answers. They are there, you just need to read and apply them.

The 8 selection criteria are:

1. Positive earnings revisions
2. Positive earnings surprises
3. Increasing sales growth
4. Expanding operating margin
5. Strong cash flow
6. Earnings growth
7. Positive earnings momentum
8. High return on equity

One of the most important investment principles in this book is Navellier’s belief that one shouldn’t allow human emotions to become involved in investment decisions. You should not fall in love with stocks or believe “hot stock market tips” you hear from an acquaintance - or anyone else for that matter.

Will this book make you rich? No. No book will make you rich! But I think that after examining Navellier’s track record and reading these investment principles, there is opportunity here. As with every other investment decision, do your research and make your own decisions based on what you think is the right thing to do.

Buy or Don’t Buy: If you plan on buying individual growth stocks, I think this book can be a beneficial addition to your investment library, and at $13, it is a great investment! (pun intended). 

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This book was written for entrepreneurs and is organized into Five “secrets” to help you grow your business into what the book refers to as a Level 3 business - One that makes money for you with little to no input on your part - unless you want it that way.

The information is generally top-level, but valuable. The co-authors have qualified business backgrounds: David Finkel, a real-estate investor, and Diane Kennedy, a CPA. Their success has led them to begin the Maui Millionaires.

The Five Secrets are:

1. Build a Level Three Business and Get on the Millionaire Fast-Track
2. Leverage Your Business Assets and Triple Your Cash Flow
3. Become Financially Fluent and Guarantee Your Future!
4. Create Your Wealth Map and Build your Passive Residual Income
5. Invest in the Greater Good and Reap Enduring Rewards!

What I like about this book: This book has a lot of great tips and if you have a business model where you can apply them, you can stand to improve your business tremendously. The tips cover many important things that some entrepreneurs don’t think about when they first start their business. Things such as taxes, payroll, inventory, accounts receivable, hiring employees vs. contractors, cash flow, licensing, incorportating, and more. The book is straightforward and easy to read.

What I don’t like about this book: There are two things I did not like about this book:

1. The Maui Millionaires for Business has a lot of great ideas and top level information, but is not a stand alone product. It makes a good companion piece.
2. This book reads like an infomercial. I thought about counting how many times there were phrases ending with the symbol (™) or something similar, but they were so prevalent it would have taken too long. I also liken it to an infomercial because the book is an upsell to their web based educational products.

There is value in this book. I am not saying the information is not valuable; I truly believe it is. But for many people, myself included, the writing style and constant references to the author’s website was a turn off. If you don’t mind applying a filter when reading this book, I believe you can gain some great knowledge and insight into methods for improving your business model.

Who should buy this book? This book has a lot of great information for someone looking to increase their business’s profits and efficiency. I would recommend buying it only if you have a good sense of business and if you have other resources readily available - including their previous book The Maui Millionaires, which is frequently mentioned, and access to the Maui Millionaires website, which is heavily mentioned.

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I don’t know about you, but I have one room in my house that just doesn’t get warm in the winter and it will not get cool in the summer. The room is situated directly above our garage so I think that may play a role.

The room is our computer/guest room, so we spend a lot of time in there, and if we have guests we want them to be comfortable… most of the time!

Until recently, my wife and I have employed fans in the summer and a space heater in the winter to stay comfortable. However, we no longer need to lug those portable units because we installed an air vent booster last week, and it works great!

What is it? An air vent booster is a powered fan that fits in your vent register and helps pull additional conditioned air from the ducts into your room.

The model I have is the AirFlow Breeze, which is produced by AirFlow Technology. I recently wrote a few articles about saving money on utilities including 7 Free Ways to Save on Heating Costs, and 10 Inexpensive Ways to Reduce Heating Costs. These articles lead to an e-mail exchange with a representative who was kind enough to send me an AirFlow Breeze to review. Blogging does have perks sometimes!

Does it work? Yes it does. But, don’t confuse it with a heater or an air conditioner . All it is designed to do is provide a “boost” to the amount of air coming through the ducts into the room it is installed in. The air comes from your ducts and will help make that room a similar temperature to the rest of your house. They are great if you have a problem room like mine!

Does the extra draw on the air source affect the rest of the house? Not that I noticed. The only thing I noticed was that our computer/guest room is more comfortable to be in and we enjoy our room more now.

Does it constantly run? No. It has a built in thermostat that switches the fan on when either the heater or AC comes on. It is very easy to set - just follow the directions in the manual.

Does it save money? Yes. If you have a room that just does not get hot or cold unless you crank up the heat or AC for the rest of the house, or use a space heater or fan, this could save you a substantial amount of money over the course of a year because you will use less energy to condition your room. The fan uses a 12 volt DC power adapter, which costs pennies to run.

Is it hard to install? No! It only took 5 hours 15 minutes including the time to remove the old vent cover with a screwdriver (not a drill). You don’t need any special tools other than the screwdriver. There is a 12 volt power adapter with a 6 foot cord that plugs into the unit.

Is it loud? Let me put it this way: you can hear it in the other room, but it isn’t loud enough to bother me when I am in the room and it is running. I think it is one of those things that might take some people some time to get used to, but once you get used to it, you don’t really notice it anymore.

Do you recommend it? I recommend it to people who have a “problem room” that is difficult to cool or warm. I believe people who purchase one will be more comfortable in their room and enjoy it more. After all, the whole point of having a house is to enjoy living in it, right?

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Ken Fisher is probably one of the most qualified people in the world to write a book such as this. Fisher is the founder, Chairman, and CEO of Fisher Investments, which has over $40 billion dollars under management. He is also a renowned money manager and author, and is well known for his Portfolio Strategy column in Forbes Magazine. With these qualifications, Fisher is a exceptionally qualified to document and classify some of the stock market’s most historical and influential figures.

100 Minds That Made The Market is organized in several short sections to help classify these men. There are bankers, brokers, journalists and authors, innovators, crooks, economists, and more. Each biography is around 2-4 pages and highlights only the important things you might want to know about the individual including a little bit about their personality, how they affected the stock market, and their legacy.

Aside from the colorful and entertaining writing style, one of the things I really enjoyed about this book is that you can open it to any page and start reading. You do not have to read it straight through to enjoy it. In fact, I didn’t do that at all. I skipped around and let my interests take me where they may. Most biographies can easily be read in about 7-10 minutes, so it is a great book to pick up on a whim and set down shortly thereafter.

This book is also a great reference book for anyone interested in the stock market, especially those who are interested in the history behind it. It is very entertaining

To Buy or Not to Buy? I think that if you are the kind of person who is deeply interested in the American stock markets (especially the history) then this is a must own reference piece. If you have even a mild interest in stock market history then I would at least borrow this from the library and read it. You will learn a lot about some of our economy’s forefathers and be entertained in the process.

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