Book Summary - The Master-Key to Riches - Written by Napoleon Hill

This book in a nutshell is a must read for anybody wanted to improve their lives. Regardless of what area you want to improve, Napoleon Hill shows the Master-Key works. Napoleon Hill died in 1970 at 87 years old. Thus the research he did was way ahead of his time. He profiled Andrew Carnegie who created U.S. Steel and mentored Charles Schwab. Andrew Carnegie commissioned Napoleon Hill to profile successful people to see if there was a pattern. This book along with Think and Grow Rich is a combination of that research.

Why is this important to me?

If I was spending my precious time listening to this video then the first question I would ask is - Why is this important to me?

This is important because Mr. Hill explains the 12 riches of life and how to achieve them. Are you where you want to be or do you need help defining true happiness? The study of the 12 riches and the Master-Key defined in this book will give you the blueprint for happiness.

The 12 Riches of Life are: 1. Positive Mental Attitude, 2. Sound Physical Health, 3. Harmony in Human Relationships, 4. Freedom from Fears, 5. The Hope of Achievements, 6. The Capacity of Faith, 7. Willingness to Share One's Blessings, 8. A labor of Loves, 9. An Open Mind on All Subjects, 10, Self-discipline, 11. The capacity to Understand People, 12. Economic Security.

All 12 riches are important but for the sake of time we will dig into three of them in this summary.

1. Positive Mental Attitude - Mental attitude is important because it converts the brain into the equivalent of an electro-magnet which attracts the counterpart of one's dominating thoughts, aims and purposes. It also attracts the counterpart of one's fears, worries and doubts. This basically means that you will manifest in your life that which you focus on regardless if it is positive or negative.

2. Sound Physical Health - This one is self-evident and should be number one. In my humble opinion, without health, you cannot create anything. Health is the ultimate gift because with it, everything else is possible. This can easily be taken for granted but once it is taken from you then life changes instantly. This needs to be a priority for everybody.

3. The Capacity to Understand People: The person who truly understands people knows that we all come from the same core. The nine emotions common, according to the book are: love, sex, desire of material gain, self-preservation, freedom from body and mind, self-expression, desire for perpetuation of life and death, anger and fear. The capacity to understand others eliminates many of the common causes of friction among men.

The Master-Key is a combination of 17 principles when used in combination will allow you to achieve the 12 Riches of Life.

The Master-Key consists of:

1) Habit of going the extra mile
2) Definiteness of Purpose
3) The Master mind
4) Applied Faith
5) Pleasing Personality
6) Habit of learning from defeat
7) Creative Vision
8) Personal Initiative
9) Accurate Thinking
10) Self-Discipline
11) Concentration of Endeavor
12) Co-operation
13) Enthusiasm
14) The Habit of Health
15) Budgeting Time and Money
16) Golden Rule Applied 17) Cosmic habit force.

For the sake of time we will profile three of the seventeen.

1. Definiteness of Purpose - Highly successful people have a defined purpose. Mother Teresa dedicated her life in helping the poor of Calcutta and through her definite purpose became world renowned and helped millions of people.

2. The Master Mind - is a group of people that have expertise that can be leveraged toward your defined purpose. Leveraging the combined OPE (Other People's expertise) gives a compound effect to the desired result.

3. Habit going the Extra Mile - I like this one because the 12 Riches of Life can NOT be attained without hard, smart and right work. You have to do the thing to have the power!!!! Notice this is the HABIT of going the extra mile. Ingrain this in your mind and you will not be disappointed with the results.

I hope you have found this short summary useful. The key to any new idea is to work it into your daily routine until it becomes habit.

Habits form in as little as 21 days. I highly recommend you read this book and put the principles in place. To take one thing away from the summary and make it habit will be the "Habit of Going the Extra Mile". Put this front and center and it will help you in everything you do.

According to Mr. Hill, Going the extra mile by doing more than one is paid for - "It is the strange influence which it has on the person who does it. The greatest benefit from this habit does not come to those to whom the service is rendered. It comes to the one who renders the service, in the form of a changed "mental attitude," which gives him more influence with other people, more self-reliance, greater initiative, more enthusiasm, more vision and definiteness of purpose. Do the thing and you shall have the power!!!!

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(c) Copyright - Joe Mosed / Success Progress All Rights Reserved Worldwide.

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Start Over Finish Rich Audio by David Bach

In the Start Over Finish Rich Audio by David Bach, the term "recession" is given a totally new meaning. In recent years, jobs have been lost and along with those losses, the people in general have fallen into poverty. It doesn't take a genius to figure out why this has happened. Obviously yes, the loss of jobs and a failing economy have contributed much to the misfortune that has fallen upon millions of US citizens, but more than anything else, the way people have perceived the recession has had a much more negative affect than the actual recession itself.

In the Start Over Finish Rich Audio, David Bach explains how to turn the recession around so that it can work for you. You don't have to perceive the recession as something negative. It's perfectly understandable why someone would be upset after losing their job. After all, without a job, you're out of money. Without money, you can't pay your bills or afford to maintain your nice home. Ultimately, without cash, you're broke and out on your own - if not out on the streets or living off of your relatives and friends until you can "get back up on your feet".

The feeling of inadequacy that not having a job creates is indescribable. Your self-esteem sinks to an all-time low and consequently, you'll end up feeling worthless because you don't have a job. Not to mention, the feeling that you get from others when they find out you're unemployed and living with others because you've lost your home and have no money to get a new one. There is also the feeling you get when you see someone who is successful and wonder how they do it. What most people don't realize is that it is their thinking that determines their fate. How you perceive the recession will ultimately determine what happens next. Will you assume that you have fallen into complete and utter poverty, or will you take advantage of the supposed "loss" and start a new life, one that you've always wanted?

With the Start Over Finish Rich Audio by David Bach, you'll quickly find out that not all is lost. You will be taught to understand exactly how you can rebuild your future so that it never falls through again. You'll also discover how to update your real estate plan so that there are no worries as to whether or not you will lose your home - obviously as so many others have due to the recent recession. It's quite possible you've lost yours as well. Another thing you'll discover how to get out of debt, take smart risks, change how you think about money, and find out how to create a mastermind retirement plan.

The Start Over Finish Rich Audio by David Bach provides all the tools and skills needed to come up with the best plan for your financial future you'll ever come across. There is no point in worrying about the future. Just like the old saying goes - "When life gives you lemons, make lemon aide". With this bestselling audio, that's exactly what you'll learn how to do.

Please visit The Personal Development Company if you would like to learn more about Start Over Finish Rich Audio by David Bach

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Start Late, Finish Rich - Part Five

Are you wondering if it's too late for you to enjoy your retirement? In "Start Late, Finish Rich" David Bach explains how you can not just finish rich, but live rich. His suggestion in the final part of his book may seem counter-intuitive. In part five he recommends that you give more. But, if you're trying to save as much as possible, how can giving more possibly help?

Part Five: Give More, Live More

David Bach ends his book with his take on the familiar saying: money isn't everything. When it comes right down to it, while money is important, it can't buy everything-especially happiness. Bach insists that happiness comes from living a life of meaning and encourages his readers to have a higher purpose than money.

If you are a Christian (and maybe even if you aren't) you are probably familiar with the concept of tithing. Here Bach moves this concept out of Christianity and applies the idea of tithing to the rest of the world, calling it a law of nature; the more you give to others, the more comes back to you. He expands this concept to go beyond giving money, to include giving your time, energy and talent.

We tend to believe that the United States is fairly insulated from the problems other nations experience. We are, after all, one of the most prosperous countries in the world. But, did you know that 33 million people in the U.S. don't know when or where their next meal will be and that 8 million people regularly go hungry? Did you know that 3.5 million Americans have no place to live? And this is a wealthy country! Worldwide 1 in 5 people are malnourished and 6 million children die each year from hunger and malnutrition.

Bach's remedy not only for the world but for your happiness is to donate a portion of your income to charity. Technically, a tithe is 10%. But Bach stretches the envelope on this as well saying any percentage is fine, just give. He states that most people who achieve great wealth give and that their giving becomes a magnet for abundance in their lives.

In case you're wondering, Bach is true to form in this area as well and encourages you to make your giving automatic. Don't allow yourself the opportunity to back out, change your mind, lower the amount, or decide to "make it up next month." Find a reputable charity and arrange to have your donation automatically deducted from your bank account each month.

He provides a lot of excellent resources on-line to help you find a reputable charity to donate your time and money to.

Giving isn't his only advice. He also encourages his readers to live more, or live rich. Most people plan to really start enjoying life when they retire. Think about it. That's a pretty sad plan. Why would you want to spend most of your life with your nose to the grindstone in the hopes that someday when you retire, you will finally be able to relax and enjoy life? The fact is you can enjoy life now. There is no "do over" button, this is it!

Bach leads you through a series of questions and exercises to determine what living rich means to you. Then he encourages you to start incorporating that richness into your daily living now. He asks simple questions like: What makes you happy? What isn't working in your life? What is working in your life?

Bach believes that the purpose of your life is joy and provides four principles to help you experience a rich life now.

Become connected with your truthStop judging yourselfStop judging othersPursue fun with a vengeance

Finally, Bach closes his book by saying that just because you started late doesn't mean your kids have to do the same thing. He discusses eleven lessons to teach your kids (or someone else's) to live and finish rich. These lessons include being a business owner instead of an employee; the miracle of compound interest; buying a home vs. renting; credit card debt; tithing; and dreaming big.

In short, I think David Bach has written a valuable book. You may not agree with everything he says, but you will be hard-pressed to not find something you can take to heart and use to improve your circumstances. I give "Start Late, Finish Rich" 4 out of 5 stars and plan to loan my copy out to others who I think will benefit from his advice.

My name is Cheree Miller. I'm not a financial counselor or legal advisor. In fact, I've made some poor choices in my life. I've been broke, with creditors calling, writing, and sending court summons. I've had my bank account garnished and wondered how I was going to feed my family. But, I can tell you that you can learn to make good choices where your money is concerned. You can get out of debt if you remain focused on the end goal instead of wallowing around in a pity pool feeling sorry for yourself. Better yet, you can retire rich if you start saving for your retirement now!

Life was meant to be enjoyed. For more resources on getting out of debt and living debt free, visit http://www.imdebtfree.net/. While you're there, sign up for my free newsletter with more tips on how to get and stay debt free, and receive my free report "101 Powerful Tips for Legally Improving Your Credit Score".

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How to Make and Manage Money

If there is one topic that always arrests the attention of people across the world, it is how to make money. But knowing how to make money alone is not sufficient to keep one off the shackles of financial deficiency. To enjoy enduring financial freedom, one needs to learn how to make and manage money. By writing this book entitled "How to Make and Manage Money", Ron Blue can be regarded as a philanthropist because he has indirectly given billions of naira if not dollars to readers. He has taught people how to fish financially instead of just giving them fish to eat.

Blue, nicknamed "Storm Shelter", is an American financial expert and adviser who himself has practically gone through what it takes to climb the rungs of financial-freedom ladder from the base to the top.

In this book, he discloses how you can build a solid financial future when the very foundations of the financial world, including stock markets, interest rates, tax rates, etc., are constantly shifting. Blue also shows how you can ensure that you will remain financially stable even in the event of a global economic crisis.

According to him, this book will guide you as to how to solve all your money mysteries, irrespective of your present financial position. Blue also reveals the practical examples of financial strategies that work and others you will want to avoid. He gives a detailed plan for financial security; questionnaires to help you evaluate your fiscal situation, determine your goals for the future and understand how you can best achieve those goals. Blue also tells you a six-step method for effective investing; cost-saving tactics covering everything from food bills to education expenses.

Drawing from his reservoir of years of intellectual experience as a financial adviser, he offers direct solutions to the most troubling money questions in this book, thereby making it a haven for anyone that wants financial security that lasts a lifetime. According to him, human beings are so stingy because of the fear that grips our society. He says after talking to hundreds of people over the years, he has come to realise that the more money we have, the more we tend to worry about losing it. Blue submits that the fear is without some justification, adding however that in many cases the fear causes poor decision-making when it comes to personal finances.

According to him, making or earning money is a lot easier than managing money. He adds that we tend to earn our money in a professional setting where we have been adequately trained and equipped. Blue says when it comes to handling our own money, we are in an unfamiliar territory. The author stresses that only few people have been trained in financial management, and as a result, people either make mistakes, become fearful or find it very difficult to make good decisions.

Blue paradoxically asserts that he has equally observed that in many cases, more money equals less freedom, nothing more. He adds that the logic behind this conclusion is that the more money you have, the more options you have, and consequently the more tome and energy you must spend making decisions and managing your resources.

As far as structure is concerned, this book is divided into three parts of eleven chapters. Part one is thematically labelled "understanding economic storms", and contains three chapters. Chapter one is entitled "economic uncertainty is certain". Here, Blue says if you have not already discovered God's principles for sound money management, you soon will, for they serve as the very foundation for this book. "Economic uncertainty need not spell disaster or upheaval in your personal finances. Nor should it foster anxiety, doubt, or gloom," asserts Blue.

He stresses that the first step in defeating uncertainty is to realise just how common and normal it is. According to the author, our preparedness for and response to economic change is vital to our ultimate success. Blue identifies some of the biggest threats to our economic security today as federal budget deficit; inflation; tax-law changes; interest-rate shifts; and swings in the stock market.

In chapter two based on the subject matter of dealing with the fear of uncertainty, Blue submits that our fears, desires and dreams are often totally valid, yet the emotional punch they pack need not be a knockout blow. He also teaches how to admit and identify the specific concerns threatening personal financial security, as well as how you will gain a perspective on your financial future that will become the foundation for your ultimate money-management programme.

Blue observes that the first step in overcoming your financial fear is to face it, while the second step is to identify it. In his words, "The fear of failure...is typically more of a male issue than a female one. Men, more often than women, tend to be driven by the fear that if they do not push hard enough or work long enough, they will fail...." He reflects that many successful entrepreneurs and business executives are propelled sometimes unknowingly by the fear of failure.

Chapter three focuses on how to be proactive. Here, Blue educates you on how you can tell if a decision is motivated by fear or simply by conservative caution. According to him, a gloom-and-doom forecast may be entirely legitimate, yet it should never be the foundation of your decision making. Blue says fear-based decisions may be characterised by one or more of the following traits: the decision is made quickly, with little forethought; the decision is presumptive, based on conclusions that have little or no substantiating proof; and the decision is ill-advised, having been made under the counsel of untested, unreliable or biased sources.

He says thinking proactively helps to lift confusion from the decision-making process that surrounds financial planning, adding that you should not confuse an economic decision with one that simply has economic consequences.

Part two of this book is generically christened "repairing your personal storm shelter", and contains five chapters, that is, chapters four to eight. In chapters four to seven, Blue discusses how you can take a financial physical; develop your finish lines; prepare a spending plan; and avoid the use of debt.

In chapter eight entitled "increase your giving", the author offers you guide on five reasons to give. According to him, giving breaks the power of money; giving promises rewards; it provides an eternal perspective; giving demonstrates God's ownership; it equally demonstrates obedience to God's commands. "The secret to giving generously is deciding, in advance, how much you really need to live on," educates Blue.

He says with so many Scriptures and practical reasons mandating giving, we find it difficult fulfilling this socio-biblical obligation because we are afraid, particularly during times of economic uncertainty, to let even a few dollars out of our sight.

Part three of this book is thematically summarised as "investing in uncertain economic times", and contains three chapters, that is, chapters nine to 11. In chapters nine and ten, Blue stresses the need for you to develop your investment strategy; as well as balance risk and reward.

In the last chapter, that is, chapter 11, he emphasises the need for you to diversify your portfolio. According to the author, diversification is the strategy that works as it involves the spread of your money among different types of investments. Blue says by diversifying your portfolio, you diminish your overall risk. The author discusses diversification sequence and stresses that a portfolio is a group of individual investments. He says when his firm wants to help a client structure his or her investment portfolio, the firm follows a sequential strategy that includes diversification among different categories.

"By moving from one category to the next, this approach gives an investor the ability to diversify within diversification, thereby strengthening the total portfolio," submits Blue. He adds that by diversification hierarchy, we have diversification by asset and category; diversification by style; diversification by manager; diversification by time period; diversification by geography; and diversification by specific investments. In this chapter, Blue also discusses how to build your own diversified portfolio and maintain your proper perspective.

As regards style, one thing that prominently works for the effectiveness of this book is the fact it is rooted in biblical principles and allusions. The message and language are direct without being impeded by any communication "noise". Blue also employs reflective, didactic and graphic illustrations to achieve concrete conviction on readers' part. He segments the chapters into three parts for easy study. By including practice exercises in some chapters, readers are automatically drawn into active participation. Blue also includes Epilogue for analytical recapitulation.

Though the text is conceptually sequential, some areas of parts one and two seem repetitive. Probably, the author deliberately does it for emphasis, especially that he has a section tagged "Epilogue" used for recapitulation in some chapters. Generally, Blue's intellectual efforts are commendable.

Are you prepared to learn and know how to make and manage money well? If you are responding in the affirmative, then you need to build your financial apprenticeship nest very close to this book, to be able to acquire enough knowledge that will take you to your destination of financial success.

GOKE ILESANMI, Editor-in-Chief/CEO of http://www.gokeilesanmi.com/ and Managing Consultant/CEO of Gokmar Communication Consulting, is a Certified Public Speaker/Emcee, (Business) Communication Specialist, Motivational Speaker, Career Management Coach, Renowned Book Reviewer, Corporate Leadership Expert and Editorial Consultant.
For business discussion, reach him on +234(0)8055068773; +234(0)8056030424
Email: info@gokeilesanmi.com; gokeiles2010@gmail.com

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The Average Family's Guide to Financial Freedom

Bill and Mary Toohey, authors of The Average Family's Guide to Financial Freedom, make average middle class salaries. Mary works as an office manager and Bill as a vocational rehab counselor for the state. On modest incomes, they have attained financial freedom and ensured that their needs will be met through retirement. Their book is a guide for others who want to achieve financial security despite today's challenging economy. It's my favorite how-to guide in my large collection of books about personal finance..

The Tooheys have achieved financial security by spending less and therefore saving more. In fact, they save 46 percent of their gross income. Think about that. That savings figure is based on gross income, not net. It is truly impressive given that they're not making huge incomes.

How did the Tooheys do it? This book tells their story. They foster an attitude of gratitude and contentment. They don't focus on what they don't have. Bill and Mary describe their motivation as "building a money-saving mindset".

A big part of the Tooheys' success is their choice to live in a modest home. Too many of us stretch to buy a house or condominium we can barely afford and then go into debt to furnish, decorate and update our big new home. The Tooheys, on the other hand, bought a smaller house than they could afford. Rather than using it as a stepping stone to a larger home, they have stayed put and paid off their mortgage in just ten years. They estimate that they have saved more than $100,000 over the years by choosing their small house. A smaller house means that you spend less on utilities, maintenance, interest costs, taxes, and furnishings.

The authors look at the small expenses and the large in their efforts to spend less. No question about it, they are careful spenders. In their book they share tips for buying cars and groceries and for spending on entertainment and education. Learning is important to their family and they share their tips for going to college without going into debt.

Much of the Guide to Financial Freedom is devoted to how to be a careful spender and avoid financial mistakes in your day-to-day life. There's also a great deal of solid, friendly advice about how to raise responsible kids, how to maintain your possessions, and how to set up a home office that will keep your family organized. There's even a chapter on how to live happily in a one-bathroom house -- something that too many people today think is impossible.

The Tooheys also devote several chapters to investments and to retirement. There is advice and information about where to invest and about the various forms of retirement plans. They freely share their own mistakes and what they've learned about investing.

You can't help but really like Bill and Mary Toohey as you read this book. They seem like people you would want as friends or members of your family. There's nothing fancy or convoluted about their advice. It's solid, straightforward guidance from somebody you'd really want on your team. If you're looking for financial advice and want to learn how to navigate today's challenging economy you'll want to pick up Bill and Mary Toohey's book, The Average Family's Guide to Financial Freedom.

This book will get you on the right track financially. There are two sides to the coin however. To save money you need to make money and that's been challenging for some folks in this time of high unemployment. Most of us can use some money making ideas.

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The Millionaire in You

Inability or failure to discover and maximise one's latent potential accounts for why most people have not achieved their purpose in life. This also explains why most people have not attained their desired financial independence because they do not realise that they have the millionaire potential within. Let us therefore X-ray this text entitled "The Millionaire in You" as a solution to this challenge.

The book is written by Dr. Michael LeBoeuf, a renowned business consultant, professional speaker and seminar leader.

In this book, LeBoeuf says there is a potential millionaire and a wonderful life of personal freedom living within you, and the key to making it a reality is to see the possibility and make the right choices to create it. He stresses that there are only four things you need to know about money and these are: How to make it; how to save it; how to invest it; and how to enjoy it.

According to LeBoeuf, only very few people manage to do all the four, although almost anyone can do them. He says the answer lies in applying a simple principle he calls "LeBoeuf's Law". This law is about investing your time actively and your money passively. LeBoeuf says if you make a commitment to yourself and are willing to do what it takes to become a millionaire, you almost certainly will. He stresses that you should not tell him that it cannot be done, because he has done it, and millions of others have, too.

LeBoeuf says the purpose of writing this book is to make you become financially independent and enjoy the same freedom that he enjoys. He adds that there are three steps involved in creating the millionaire in you. According to him, the first is to see the possibilities; the second thing is to do what it takes to create your fortune and enjoy it; and finally, you need to step back, celebrate your financial freedom and enjoy it.

As far as structural segmentation is concerned, this book has three parts. The first part is thematically tagged "See it!" According to LeBoeuf, any American today, and by extension, anybody today with basic common sense can become a millionaire. All it requires is the ability to see possibilities, and then know how to proceed and follow through, he says, adding that four major insights are central to the issue of making money.

The first insight is called the "Time and Wealth Grid". In LeBoeuf's words, "It's the scourge of modern-day living that plagues most of us: If you have money, you don't have the time. If you have lots of time, you're hurting for money. And most of us could use a whole lot more of both. Welcome to the time/money trap".

He says if you want to know how prevalent this problem is, just visit the jam-packed California freeways, the Long Island Expressway, commuter trains or other urban traffic arteries during the rush hour. LeBoeuf reveals that what you will see is literally millions of people frantically rushing to and from work, where they put in long hours so that they can make the payments on a house and a lifestyle that they do not have time to enjoy.

According to him, to get out of the time/money trap, one needs to understand how one got there in the first place. People fall into the trap by thinking with a paycheque mentality, says LeBoeuf. He asserts that because most people think with a paycheque mentality, they assume that having more of one requires sacrificing some of the other. The author adds that time and money are not one-dimensional trade-offs unless people assume they are and choose to live their lives that way.

As far as the interpretation of the diagrammatical analysis of the time and wealth grid is concerned, LeBoeuf identifies five different types of people. These are the Slave; the Grasshopper; the Employee; the Owner; and the Winner. He stresses that the Slave has little or no wealth or discretionary time, while the Grasshopper has plenty of time and little or no wealth.

LeBoeuf says the Employee represents those work regular hours for a decent living wage that pays the rent and puts food on the table. The Employee trades time for money, and focuses on earning to spend. The author analyses that the Owner has plenty of wealth but little discretionary time. "The Winner enjoys the best of all possible worlds. The Owner is rich because of what he owns. The Winner is wealthy because he has money and time to enjoy it," submits LeBoeuf.

As far as the second insight is concerned, he discusses his law which says you should invest your time actively and your money passively. "Actively investing your time means deciding how your time will be spent rather than spending it according to current circumstances or the dictates of others," he educates.

The author adds that a good time portfolio invests waking hours in four basic activities, that is, learning, earning, living and giving. LeBoeuf says when it comes to investing money, most people pay brokers, financial planners, etc., huge sums to actively manage their money for them. "Those fees and commissions contribute to the investment pro's wealth instead of the investor's," he asserts.

LeBoeuf says the third insight of wealth-creation is simplicity, and it is the master key. Quoting John C. Bogle, he submits that simplicity gives us the power to do less of what does not matter, and more of what matters. "The paradox of our time is that as things become increasingly complex, the more we need simplicity," LeBoeuf says, adding that there are two simple but extremely powerful rules for managing time and building wealth. The key to managing time is the 80/20 Rule, while the key to accumulating wealth is the Rule of 72, he says.

The last insight discussed is higher life expectancy tagged the "Twentieth century's greatest gift". LeBoeuf stresses that though marked by financial challenges, the higher life expectancy guarantees the advantage of having more years to pursue wealth. He therefore suggests that you should resolve to make the most of your longevity bonus; create your own endowment; and realise that delayed gratification is not denied.

In the second part of this book summarily christened "Do it! ", LeBoeuf discusses ten choices for achieving personal and financial freedom. These are that you should live the life you want instead of the life others expect; stack the odds in your favour instead of against you; be a super saver instead of a big spender; increase the market value of your time instead of working long hours; and do less better instead of trying to do it all.

Others are that you should capitalise on the unexpected instead of being derailed by it; own the market instead of trying to beat the market; limit your losses instead of letting bad luck ruin you; listen to those who know instead of those who sell; and finally do whatever you want to do now instead of regretting it later.

In the last part of the book, that is, part three, he says you should celebrate and enjoy. "Congratulations! You've reached the winner's circle, where you can enjoy the harvest of your years of learning, working, saving and investing. You now have the freedom to spend your time any legal way you want," submits LeBoeuf. He asserts that having abundance of money and time puts one in control of one's life, but it is not going to automatically make one happy.

LeBoeuf advises that once you reach financial independence, doing the following four things can greatly enhance the quality of your life: Stay financially independent and out of the time/money trap; make it a point to keep physically and mentally active; experience the joy and personal satisfaction of giving back and making the world a better place; and finally, realise that the true joy lies in the journey and not some mythical destination.

On style, one thing that always works for LeBoeuf is the simplicity of his language and uniqueness of presentation, which he has also exhibited here. The tips offered in this book are illuminating and motivating. He uses literary/classical allusions to achieve conceptual amplification and lend credibility to his message.

However, the four insights elaborately discussed in the first part should have been clearly segmented into chapters for a distinct structural pattern.

On the whole, this text is a classic. It is highly recommended to those who aspire to achieve permanent financial abundance, freedom and enjoyment.

GOKE ILESANMI, Editor-in-Chief/CEO of http://www.gokeilesanmi.com/ and Managing Consultant/CEO of Gokmar Communication Consulting, is a Certified Public Speaker/Emcee, (Business) Communication Specialist, Motivational Speaker, Career Management Coach, Renowned Book Reviewer, Corporate Leadership Expert and Editorial Consultant.
Tel: +234(0)8055068773; +234(0)8056030424
Email: info@gokeilesanmi.com; gokeiles2010@gmail.com

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You Were Born Rich by Bob Proctor

Bob Proctor is maybe best known as a speaker and star of the hit movie "The Secret". This book is the culmination of Bob Proctor's more than 40 years of study in the world of personal development and success. Bob Proctor was a high school drop out turned firefighter in Toronto Canada who owed more money than he made in a year. He discovered a book that changed his life and started him on a journey that began in 1961 and continues to this day. That book was "Think and Grow Rich" by Napoleon Hill. The year that Bob Proctor started to study that book he made over $100,000 dollars and then over $1 million dollars the next year. He wanted to know what caused him to change when no one around him was changing. He wanted to know how and what made him successful and the result of that study is the book "You Were Born Rich"

"You Were Born Rich" is written in a straight forward way that is easy to read and understand. In this book Bob Proctor lays out a plan that if followed will give you the success that you are looking for. Each chapter is dedicated to a specific action or group of tasks that the author suggests you follow that will lead you to success. Bob Proctor encourages you to savour the book the way you would enjoy a glass of fine wine. Read the book and think about what the author has written. How does this apply to your life? What can you learn from the section you just read? Does what you have read cause you to think about other ways or ideas of doing things? Think about the actions suggested by the book and how you can apply them to your life.

The premise that we are all born rich as is outlined in the title of the book was initially difficult to believe. After reading the book I believe that the author has fulfilled the promise of the title "You Were Born Rich". We are all born with the ability to become rich and each person will have a different definition of what rich is to them. If you study this book, not just read it but study it, you will discover that you were born rich. I firmly believe that if you follow the guidance in this book you will become rich, physically, mentally, emotionally and spiritually. I know that my life has improved in all these areas since I first read this book.

Mark Johnson is a life coach and consultant, who loves getting the most out of life and enjoys helping others to do the same. He enjoys a full life with his family and horses on his ranch in the Rocky Mountain Foothills. Mark is the founder of Your Wealth and Wisdom. Visit his website http://moneywealthwisdom.com/ It is my mission to help everyone learn to become wealthy. There is more than enough for everyone because we don't all define wealth in the same way or want the same things in life. You can learn more about how to make money, build businesses, protect your wealth, eliminate debt and develop passive income streams at my website http://moneywealthwisdom.com/

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