Smart Women Finish Rich

David Bach's, "Smart Women Finish Rich", inspires women to begin planning for a secure financial future, immediately. Women of all age groups and backgrounds can benefit from reading and studying this book.

David Bach created an easy to understand program, which will guide you through your finance maze. Learning about money is a never-ending lesson, because the world and the economy is constantly changing. Today, hundreds of thousands of women are taking action to address their personal finances.

Women need to become empowered and gain financial education, because sadly, a divorce, a death or an illness, can leave women financially destitute if their sole reliance is on their partner to take care of them. Whether you are in your 20's or your 80's, single, married, divorced, or widowed; whether you are a professional or a homemaker, this book will empower you to see that you are more than capable of taking stock of your finances and your financial future. This book was designed to equip women with the right tools.

"Smart Women Finish Rich" draws a financial road map that will instruct you on how to go from where you are right now, to where you want to be. David launches into the first step in the book, which covers learning the facts and myths about you and your money. There is a financial knowledge quiz which can be filled out, to determine how knowledgeable you or aren't, about your personal finances.

The second step covers putting your money where your values are, which incorporates a values ladder. You can create your own values ladder, which enables you to look deeper within yourself, intensely affirming to you, what is most important to you.

Step three gets you to think about where you are currently standing financially and where you would like to go. David Bach outlines the "finish rich folder system", which helps you to begin getting organised. There are some goal setting exercises and worksheets to complete, helping you to figure out where you would like to be. There is a "personal plan for success" worksheet, helping you to overcome your challenges.

In step four, David talks about the "latte factor" and how to create massive wealth on just a few dollars a week. In step four of the program, you are encouraged to get your spending under control. There are a series of exercises you can use in the book to help you to control your spending.

In step five of the book, David talks about the "three baskets" - the security basket, the retirement basket, and the dream basket. He states that the security basket protects you and your family against unexpected emergencies or events, the retirement basket safeguards your future, and the dream basket grants you the opportunity to fulfill core desires that make life worthwhile.

Step six covers the 10 biggest mistakes investors make and how you can avoid making the same mistakes.

Step seven is particularly helpful in empowering savvy women to teach their children to become smart with money and to "finish rich".

In the updated edition, David includes crucial long-term investment advice, information on how to teach your children about money, Internet resources, and new ways to attract greater wealth, both personally and financially, into your life.

Zurieka Model is a leading online entrepreneur and business coach, seeking to help struggling individuals and entrepreneurs to become better financially educated and live a life by design. Finish Rich.

? 2011 Zurieka Model

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The Science of Getting Rich, A Proven Mental Program by Wallace C Wattles - A Book Review

Synopsis of Content:

Wallace D. Wattles spent a life time studying and writing about the laws of success. He studied the great philosophers and contemporary writers. Wallace was convinced that wealth is attracted, as is poverty and every other condition. He taught that barriers could be overcome and success attained by mental discipline. He also advocated building wealth through creation and not competition. His book was first published in 1910.

Wattles insisted that one must first lose any reservations about getting rich and accept one's right to be rich. He dispels many of the myths about wealth and teaches how it can be used for the good of man, especially when it is the result of creative work rather than competitive work. He insists there is a science of getting rich and that many have discovered its laws. Rich people are not necessarily brilliant - they simply understand the laws of the science of getting rich while poor people do not.

He dispels the myth that opportunity has been all snatched up and teaches that for those who observe and are open to what the world had to offer there is a great deal of opportunity. In fact he says that opportunity is unlimited, or limited only by your imagination.

Wallace then sets forth the principles of getting rich. Those principles are:

? Thought is the only power which can produce tangible wealth from formless substance.

? Man can form things in his thought and by impressing his thoughts upon formless substance (raw materials) he can cause the things he imagines to be created.

? A man's way of doing things is the direct result of the way he thinks about things.

? To think what you want is to think truth, regardless of appearance. There is a thinking stuff from which all things are made, and which, in its original state, permeates, penetrates and fills the interspaces of the universe.

Wattles then urges the reader to reject the idea that we are dependent upon a deity to accomplish our aims. Here he may leave the devout a bit cold and although one need not accept this aspect of his teaching to benefit from what he says over all it is true that he is stressing the power of the individual mind to change reality.

Wattles insists that as long as your intent is harmonious with the universe it will support you and your purpose. That is, as long as you intend no one any harm you will be well served by all of nature in your pursuits. And he stresses the importance of gratitude in one's pursuit of wealth and success.

He describes with particularity the way you must form clear pictures in your mind of what you want to attain it. He teaches the strength and the power of focused and disciplined intent.

Wattles' teaching was not new in 1910 and we recognize in it much of the "new age" thinking on manifesting and creating that is common in thousands of books today. He taught visualization, pioneered by William James and others, and the power of intent, attitude and the disciplined mind. You see his influence in the work of Napoleon Hill and others including many of today's leading authors, philosophers and teachers.

While he is didactic and somewhat narrow in his theory and advocacy, insisting for example that the reader read no other works on success or wealth building other than his book, he has a lot to offer the contemplative mind and was truly a pioneer in many areas of self improvement teaching.

Readability:

Wattles wrote in the common style of the early 20th century. He wrote reasonably well but the text tends to be somewhat pedantic. It lacks the outline format of modern nonfiction literature. If you put a bit of effort forth it is well worth it. If you do not want to work at all at reading this may not be for you.

Overall Rating: Good

Daniel R. Murphy writes on success and how you can build wealth. Would you like to learn how others have been successful in business and in life? For a free success ebook and much information which can help make you successful and financially independent visit http://www.bookstowealth.com/. Begin your self-education today learning how others have become successful and rich! Do it today!

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Making Money Fast

Many people are under a lot of financial pressure. Some are so desperate that they are looking for ways of making money fast. Needs that keep a man on his feet are good, this is because they make him utilize his most potent resource; his mind. It is a known fact that desperation can push a man towards the other extreme of losing his power of concentration which is an essential prerequisite to think well and solve problems. This could make him rather frenetic thereby compounding his problems.

There are two important questions that a person in a dire financial circumstance should ask themselves. The answers to these questions should determine the next step to take. The first question is 'how did I get here?' In other words 'why am I in this desperate financial situation?'A person may be in a financial dilemma because they lack financial discipline and are always spending more than they earn. It could be as a result of debt whose interest rate is too high thereby making it difficult to repay and squeezing out scarce funds from the individual's pocket. It could also be as a result of lack of a job and the consequent lack of a source of income.

The second question is 'what should I do to be out of this situation?' 'What am I to do to get money?' This is where the amazing power of the mind is brought to bear in solving a man's problems. Knowing the reason for financial crisis would help to find a solution to it. Using the law of causes and effects, when the cause of a problem is identified, dealt with and eliminated, there is no reason why the effect should not be eliminated as well. Having known the reasons or causes of the financial crisis the next thing is to eliminate those causes and this requires thinking along this line, 'What are the things that I should do to start making money fast?' Take time to think. Get a pen and paper and start listing the things that you can do to make money quickly? Think about this deeply until you've written down at least 20 solutions that could help you make money quickly.

For the unemployed who wants to get a job, it is worthy to note that most times, getting an employment ordinarily does not depend on the employee, it may not be a solution to make money quickly. But there are jobs that are considered stop-gaps that an individual could get quickly and use the money earned from it to reduce the pressure that lack of money puts on them. You shouldn't say 'I won't be caught dead washing plates' because it is a temporary job that could help you put food on the table until you get the type you deserve. When your solutions are all written down, start taking actions on them and you'll start seeing results that show you that making money fast is possible.

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The Wisdom of Andrew Carnegie As Told to Napoleon Hill by Napoleon Hill

Synopsis of Content:

In 1908 a young reporter named Napoleon Hill obtained an interview with recently retired steel magnate Andrew Carnegie. Carnegie had just sold his steel mills to a trust which would become US Steel. He was busy spending the last half of his life giving away the fortune he had accumulated during the first half. He was the richest man in the world and the most successful.

Carnegie turned the original hour interview into a couple days where he lectured Hill about the principles of success he had learned and applied in business to become so successful. He liked what he saw in Hill and commissioned him, should he accept, with the task of interviewing most of the successful men of the time and writing a science of success, based at first on Carnegie's thoughts and then on what he would learn from the men of industry. Carnegie would pay Hill nothing - but would write him letters of introduction which would allow him to mine wisdom about success from nearly every man of success during the first quarter of the 20th century.

In this book Hill purports to recount the wisdom given him by Carnegie. While there is no reason to doubt that many of the gems in the book may have come from Carnegie, among others, there is good reason to doubt it all did. First because it is written in Hill's verbal and rhetorical style, including the quotes he attributes to Carnegie, and second because he makes generous reference to events that came long after Carnegie's death. Also, he adds in things like the supremacy of a positive mental attitude which came not from Carnegie but from Hill's later collaborator, W. Clement Stone. In fact this book was originally written under the title Think Your Way to Wealth and in 1953 published as How to Raise Your Salary. Later it was re-released as The Wisdom of Andrew Carnegie as told to Napoleon Hill.

The basic content in the final version is the 17 Principles of Success that Hill first wrote in his Science of Success series and repeated in various formulations in later works.

Like everything by Hill however there is a great deal of useful material here. The reader may well wish to skip over some parts that may not seem helpful but the greatest part of it is among the best of Hill's writings. The success principles and disciplines he writes about are the root of much of the success literature of the past 50 years and many of the speakers, leaders and authors in the success and self improvement field have been deeply influenced by this work.

Readability/Writing Quality:

This book is very readable. Like much of Hill's work it is easy to get through and well organized. Unlike some of his earliest work it is concise. Beginning with Think and Grow Rich Hill had learned to write with economy - a method much more accessible for the average reader.

Notes on Author:

Napoleon Hill dedicated his life to fulfilling the challenge he claimed that Andrew Carnegie had given him. I have yet to discover any independent record of this. I checked with the most recent biographer of Carnegie and he found no reference in any of Carnegie's papers or other biographies about him concerning this conversation or acquaintance with Hill. Yet, Hill spent a life time insisting upon its truth and no one to my knowledge from the Carnegie family ever challenged it.

In the 1930s, after many disappointments and failures, Hill gained national fame as a bestselling author with Think and Grow Rich, based in large part upon his studies under Carnegie and inspired by him.

Three Great Ideas You Can Use:

1. Before Hill met W. Clement Stone and agreed with him that a positive mental attitude was the most important quality for success Hill insisted that Carnegie and the man other successful men whom he had interviewed and learned from had discovered that having a definite major purpose in life and focusing all one's energy toward it was the first key to success. Whether you agree with Carnegie that this is the most important requisite for success or whether you concur with Stone that a positive mental attitude is most important may not matter - both attributes are vital to success in every area of life.

2. Use of the Master mind principle is the second great lesson taught by Carnegie. Carnegie and Hill both learned early in life that no one attains great success alone. To assemble a group of like minded people who will work together in harmony for a joint objective is the most powerful force in human endeavor and a key to success.

3. The exercise of self discipline is also a necessary and fundamental requirement for success. Those who have mastered this skill succeed - those who have not most often do not.

Publication Information:

The Wisdom of Andrew Carnegie as told to Napoleon Hill, by Napoleon Hill.

?1953, 1981 and revised in 2004. Published by the Napoleon Hill Foundation, Wise, Virginia.

Over all rating for this book: Very Good.

Daniel R. Murphy writes on success and how you can build wealth. Would you like to learn how others have been successful in business and in life? For a free success eBook and much information which can help make you successful and financially independent visit http://www.bookstowealth.com/. Begin your self-education today learning how others have become successful and rich! Do it today!

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Success Blueprint: The Four Hour Work Week

If you have read "The Four Hour Work Week", you already know Timothy Ferriss. I love Tim's whole theory on life. In his book, he touches on so many critical aspects of creating and living a life that you own, that it is hard to summarize the book in one article. So I simply want to touch on one point he talks about: the reality of retirement.

In his book, Timothy explains how retirement as most people know it is unfulfilling and empty, and that instead of working hard for forty years to do nothing in the end, he lives a life full of 'mini-retirements', because he has created an income source that he is passionate about and that allows him to travel, have fun, and live with purpose. His book is a resource for outsourcing your life and will make you think deeply about what is truly important to you. It will open your mind to options.

Like a bear in a zoo, most people live their lives in a 'cage', and feel uncomfortable when the bars are removed because they don't know what is beyond them. They are comfortable and happy being fed and taken care of by someone else. The thought of escaping is normally not in their comfort zone. The years you spend working for someone else, 'trains' you to live within certain boundaries, and not to expect that anything else is possible. The ultimate goal of living in this state is normally retirement...being able to do nothing. Or being able to do anything you want.

However, after forty years in a 'cage', the wilderness is not so exciting. In fact, it's scary. After years of routine, you suddenly find yourself free of the bars, and are lost for what to do. There is no purpose in doing nothing so many people simply wait for the next stage which is old age, and finally death.

By simply reading books like The Four Hour Work Week, you may get some ideas about how to softly remove a few bars from your life. And who knows... maybe even all of them so that you too, can live a life of mini-retirements like Timothy, and eventually fire your boss.

Tim lives a fulfilling mobile lifestyle which I envy. He had solved the problem of how to live so that your life is not all about work and teaches his ideas in a very easy to understand way. Basically, if you want to live life on your own terms, The Four Hour Work Week could give you some guidance and ideas.

Rebecca Ness is a work from home mom who uses internet marketing and network marketing to enjoy the life she desires. To see Rebecca's exact system for online marketing success visit her at http://rebeccaness.com/

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Start Late, Finish Rich by David Bach - Book Review

Synopsis of Content:

In his sixth book Bach tackles the problem that his audiences and correspondents have been bringing to his attention, namely that his wealth building method works well for younger people who have the time to realize substantial return on investments while the large "boomer" generation, who likely buy more of his books than the younger crowd to, do not have all that time left.

This book was undoubtedly a challenge for Bach because late starters are at a great disadvantage to younger investors. The only real advantage that older people have is that retirement is now a looming reality rather than a theoretical target in the far distance and as such a better motivator to exercise the discipline necessary to plan for and save for the golden years.

The book starts out telling the reader not to worry or give up, that there is still time although the task at hand is all the more urgent and difficult. He then proceeds to explain what the reader already knows, that to save enough late in life to have an adequate retirement one must save very aggressively. This means either taking on additional work to earn more income or reducing one's current standard of living significantly to save so much.

He offers some useful tips about getting the most out of credit card companies and using automatic savings devices. Much of the center of the book is a rehash of his basic theories of paying oneself first, saving aggressively, investing wisely, etc.

The fourth part of the book discusses ways to earn more money. Some of this is practical and realistic while much of it is not for most people. His advice on real estate investing comes in two forms. The first is about investing in a growing market that existed in 2006 when the book was published but has little relevance in today's market. The second approach is to invest in REIT's which if done in the cautious way he advises remains a sound method.

Bach never really touches on the problems that many older people face in the decade or two before retirement. He does not discuss how one does all he advises while caring for aging parents, putting children through college and facing their own health problems and limitations.

In general the book provides some optimistic views on starting late and gives good ideas on how to make the best of a bad situation for the large portion of the population who have not prepared adequately for retirement. For the reader who is over 40 especially this is a good read. For younger people it may be a good wakeup call to let them know what they are in for in their middle age period if they do not start saving early.

Readability/Writing Quality:

As with all of Bach's books it is very readable. It is well organized, reads easily, avoids complicated investment mathematics and formulae, and uses real life examples of how to apply his theories.

Notes on Author:

David Bach started out as an investment advisor who found he could help more people and make a lot more money writing for and speaking to larger audiences. He has written seven other books on building wealth starting with the best seller The Automatic Millionaire.

Three Great Ideas You Can Use:

1. Do not allow fear or a late start to paralyze you. The worst thing to do is to do nothing. It is vital to educate yourself about your options and take action immediately to reduce your expenditures and save more.

2. Paying yourself first is the most important thing anyone can do to build wealth. It means exercising the discipline to set up an automatic savings system to set aside a percentage of all your income for long term investment, wisely investing that money and exercising the discipline not to touch it for anything before retirement.

3. As important as saving and investing is paying down all debt and avoiding incurring any further debt. The worst debt of course is consumer debt which you cannot afford to have any of except possibly your home mortgage. This means living a much less affluent lifestyle - a sacrifice that is unavoidable if you are serious about providing for your old age - and you should be because you cannot count on anyone else to do so.

Publication Information:

Start Late, Finish Rich by David Bach, copyright 2006 by David Bach. Published by Broadway Books in paperback. 333 pages not including the index.

Rating for this Book: Very Good

Daniel R. Murphy writes on success and how you can build wealth. Would you like to learn how others have been successful in business and in life? For a free success ebook and much information which can help make you successful and financially independent visit http://www.bookstowealth.com/. Begin your self-education today learning how others have become successful and rich! Do it today!

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The Science of Getting Rich - A Scientific Approach Indeed

The Science of Getting Rich - now here's a book that really hits the nail on the head. How many books have you read that claim to be able to make you rich but in the end all you get is lame old clich?s like 'work hard' or 'early bird gets the worm' and stuff that you could see for free on plaques in offices? Not this book. True to its name, The Science of Getting Rich takes a scientific and practical look at the desire that every human being inherently has, even if he or she lives in denial. The book begins with an eye-opening lecture that tells us that there is nothing shallow or superficial about the desire to get rich.

The Science of Getting Rich begins on the right note by explaining how money is important to achieve whatever goals you might have. You might think your goals transcend all that and are above something petty like money, but the truth is that you need certain things - practical everyday things and objects to get there and only money can get you those. To understand how sensible the advice in The Science of Getting Rich is, think about it this way. If you aspire to be a writer and are living in a little apartment doing all your chores yourself, then you can't devote as much time to writing as a person who is rich, lives in a nice big house and has maids to do all the messy chores so that he/she can focus on the thing he/she does best - write some great books!

The main premise of The Science of Getting Rich is that there is a certain way of doing things. Rich people are rich because they are doing things a certain way, following certain unbreakable rules. There are indeed some unbreakable rules that all must abide by and these rules have withstood the test of time and practicality and if followed to the letter, they can make anyone rich. The author, Wallace D. Wattles talks about the importance of practical thinking.

The Science of Getting Rich is a book that will mold your thinking and infuse your mind with the thoughts that you need to think in order to gain riches. Moreover, as the book tells us, it is a positive feedback process wherein if you get riches then getting more riches becomes easier than it was the first time you acquired those riches because now you can live a fuller more complete life.

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