Book Description
Get out of debt and stay out with the help of Dave Ramsey, recently seen by millions of Today Show viewers. His practical regimen, first set forth by The Financial Peace Planner, which will be published by Penguin in January 1998. Loaded with inspirational insights that come from personal experience, this set of books is the most valuable purchase a debt-ridden reader can make.
Customer Reviews:
Simply the best book on personal finance you can buy.......2006-05-20
I actually had this book in 1993 when it was self published the principles in it showed me how to go from being totally broke and $50,000 in debt to now having a net worth of $150,000, this is also after going through a divorce where I lost 50% of my net worth.
This is financial step one:Start the journey.I have also been listening to Dave Ramsey on the radio since he started in Nashville in 1993. His common sense information is why I have a 6 figure 401K, and have had financial peace over the past 13 years. He taught me what my parents should have about personal finance. This is a great beginners book in personal finance,it can show you the way out of debt and into prosperity. Here are some of the rules:
1). Never have a car payment
2). Do not use credit cards
3). Get a mortgage of less than 25% of your monthly net income.
4). Have 3 months of expenses saved
5). Get a career you love not a job
6). Tell yourself and yout family NO to things you can not afford
7). Contribute 15% to your 401K
8). Live on a budget
9). Live on less than you make!
10). Work two jobs until you are out of debt.
It is worth the price you pay short term for the long term peace.
Financial Peace - A Plan that Truly WORKS!.......2006-05-05
This book has literally changed our lives. I give this as a wedding gift (w/some cash) for many young couples. But, young or old, the practical steps given in this book can change your life!
Ramsey is blunt, but caring. He provides hope when things look the worst. He's lived through bankruptcy and loss of everything, and he shares his story to show how changes in money management can impact you. Written in easy to understand language and terms. Should be required reading for all high school students! (but, it's not too late for the Baby-boomers.) Ramsey is a true teacher.
Practical and Doable.......2005-07-06
Dave Ramsey makes it easy to apply the principles he outlines in this book. In the conclusion he evens admits he hasn't totally implemented all he writes about in his own life. He explains that if a reader can accomplish 25% of what he describes, significant financial progress will result. There is not any major revelations in this book. He reminds you of the basics.
He puts finances into context, emphasizing from the outset that other aspects of life have to be taken into consideration. One of the recurring themes is to give to worthy causes. He also talks about tithing. His discussion on money always being in circulation is worthwhile.
The reflective nature of this book takes the subject matter way beyond greed. Stewardship, not accumulation is the framework. These principles are worthy goals which should be achieved by anyone interested in being a responsible adult.
SIMPLE BUT POWERFUL.......2004-06-03
This is a very simple and easy to read book about getting out of debt and becoming financially free. The steps are clear-cut and presice and I plan on using the techniques to become free of debt. But to me the most powerful thing about the book is how it changes your way of thinking about debt. I like everyone hates being in debt but for some reason we've come to think that it's neccesary. The whole nation is in debt and it's only getting worse. This book opens your eyes to the fact that debt destroys lives and causes a never ending cloud of depression over you.
I really don't think people realize this in their everyday lives. They buy and buy what they can't afford and wonder why they're not happy with their spouses, jobs, careers, lives. Bottom line ,,, Debt equals NO PEACE and this book proves it.
The only negative about this older version of the book is that it doesn't suggest what a person should do if they don't have the money to take the steps. The book is so powerful in influencing your mindset it seems strange that it leaves out the important fact that a person may have to get a part-time job or they may have to cut out a lot of luxuries in order to get debt free. This version also doesn't suggest how a couple should work out differences of opinions when it comes to credit.
Other than those two things this is a great read for everyone and a book I feel every freshman in college should get for free before they start receiving all of those pre-approved credit card statements..
Knowledge without Action is Powerless!.......2003-05-03
Dave Ramsey presents some very good information and IF most people appled it they could indeed create Financial Peace. The truth is as Dave says on page 271, "..Reading this book and obtaining knowledge is good, BUT IT IS NOT ENOUGH." Over 7 trillion dollars in consumer debt has families struggling with not only money but with time. They need a system that takes less than an hour a month, which is about all of the time and energy they have to break free. Dave certainly has the heart of his reader in mind when he wrote the book.
Book Description
Dave Ramsey knows what it's like to have it all. By age twenty-six, he had established a four-million-dollar real estate portfolio, only to lose it by age thirty. He has since rebuilt his financial life and, through his workshops and his New York Times business bestsellers Financial Peace and More than Enough, he has helped hundreds of thousands of people to understand the forces behind their financial distress and how to set things right-financially, emotionally, and spiritually.
In this new edition of Financial Peace, Ramsey has updated his tactics and philosophy to show even more readers:
€ how to get out of debt and stay out
€ the KISS rule of investing-"Keep It Simple, Stupid"
€ how to use the principle of contentment to guide financial decision making
€ how the flow of money can revolutionize relationships
With practical and easy to follow methods and personal anecdotes, Financial Peace is the road map to personal control, financial security, a new, vital family dynamic, and lifetime peace.
Customer Reviews:
Possessing Financial Peace.......2007-09-24
I've read Financial Peace a couple times before but this time was in conjunction with going through Financial Peace University. Both the book and the course have some great information on personal finance.
The driving principles behind Ramsey's philosophy are live on a budget, pay off debt as quick as possible, build an emergency fund, and get rich slow through diversified investments rather than trying get rich quick schemes.
He describes 7 baby steps (a phrase borrowed from the movie "What About Bob?") to financial peace. The first is to go crazy to build up a $1,000 emergency fund. This will allow you to take care of true emergencies while getting out of debt. (Things like going out to eat, new clothes for school, Christmas presents, etc. would not qualify as emergencies.) This emergency fund also allows you to cut up credit cards and never use them again. Since funds are available to cover unexpected expenses credit cards are no longer necessary. (And yes you can purchase anything online, rent a car, or book a hotel with a debit card. Anything you can do with a credit card can be done with a debit card)
He quotes studies by Dunn & Bradstreet indicating that consumers purchase 12-18% more when using a credit card versus using cash. Having to look Uncle Benjamin, Abraham, George, and Andrew in the eye and tell them that they'll being going to live with someone else is an emotional experience and has an ouch factor to it that swiping a card just doesn't have. McDonald's has also done studies indicating the people paying with credit cards end up buying around 30% more than those paying with cash. So yeah, even for those paying off their card every month and getting "skymiles" or "1% cash back," you likely bought 12 to 18% more by using that credit card. Hope you enjoy the "free flight."
The second baby step is to list all debts from smallest to largest and pay minimums on all except the smallest one regardless of interest rate. Once the smallest one is paid off you would roll that money into the second smallest one and so forth. The concept is referred to as a debt snowball.
Mathematically it might seem more advantageous to pay the highest interest card first and on paper this is accurate. However, personal finance is 80% behavior and only 20% head knowledge. When you start seeing the traction and progress you're making you get excited and more focused "gazelle intense" and start really attacking the debts which result in getting out of debt quicker.
Ramsey encourages selling so much stuff the kids start hiding 'cause they think they're next and naming the dog "eBay." Picking up extra side jobs whether that be delivering pizzas, cutting grass, babysitting, cleaning houses or some other hobby which generates money is also encouraged. He also advocates paying only cash for cars not only to stay out of debt but also to avoid the beating in value you take when driving the car 10 feet off the lot.
After paying off all consumer debt not including the house if a home is owned, baby step number 3 is increasing the emergency fund to 3-6 months of expenses. This emergency fund should be placed in something that's extremely safe such as a money market or savings account. One good reason to have this amount of an emergency fund is in cases of losing a job you would have a solid 3 to 6 months to look for one without the pressure of paying bills with no income.
After building the emergency fund to 3-6 months of expenses, you then move on to baby step 4 which is investing in a retirement plan through work if they match a percentage of your contribution and then through a Roth IRA. If there is no matching from the employer in a 401k, 403b, or TSP, you would start with the Roth IRA which grows tax free. Using mutual funds with solid 10 year track records is a great diversified investment strategy for a retirement account. One would also want to spread money around to various mutual funds such as a growth & income fund, an aggressive fund, an international fund, and a value or balanced fund. The goal is to invest 15% of a paycheck into retirement.
You then move on to baby step 5 which is funding education for children. This can be done through a couple different tax defered accounts such as an Education Savings Account (ESA) or a 529 plan. Only after building up retirement should one start on the kids college. Kids can get scholarships and work to help pay for college but retirement is not something that should be put on hold. You really don't want to be eating dog food in retirement.
After all 5 of these steps are in order, you would then pay everything else down on the house as quick as possible.
Once the home is free and clear, you win and have true financial peace. At this point, you invest in 100% paid for real estate as well as continuing to invest in solid mutual funds. You can now live the life you've worked so hard for and give lots of money away.
I highly recommend this book and the Financial Peace University class to anyone. Even those who already know a good bit about personal finance can benefit from them.
OPRAH GET THIS BOOK IN YOU CLUB !.......2007-09-20
WOW what book! dave is powerful in his methods
but it very "common sense" what an idiot i was
with my spending habits the book talks right to you
because dave was one of us doing the exact same thing!
i loaned this book to a stuggling friend of mine two weeks later
she was very excited and now is on her way to freedomland!
but she loaned it out to other girlfriends i guess i can write the
book off as a lost cause,but as long as im helping others i'll buy
another one its well worth it! YOUR THE MAN DAVE !!!
This book is a life saver!.......2007-09-08
I would recommend this book to anyone struggling with finances! I was sick of living pay check to pay check. And I was sick of trying to decide wich was more important- the mortgage or food? My husband and I bought this book and commited ourselves to follow the steps. It was a little hard at first but it changed the way we live. We now have our priorities in order and don't have to worry so much anymore! We are by no means rich but are building a good savings 'just in case'! It is an easy read and the steps are easy to follow. The hard part is the self discipline!
Good advice, Easy to read.......2007-08-28
This book deals with getting out of debt (and staying out), building wealth, and being at peace with your money & finances. It contains good personal financial advice that I plan to put into practice. It is also easy to read, since it is written in an informal style. The content is something that applies to all adults (and even teens). The book includes sample letters & forms to help with taking control & planning your spending, with collection agents, and with credit report problems.
THE BEST.......2007-07-09
DAVE HAS HELPED ME GET OUT OF DEBT...HE IS VERY MOTIVATIONAL..LISTEN TO HIS SHOW ON THE RADIO...
Customer Reviews:
What I expected.......2007-08-29
It helps to see budgets in black and white and be reminded how simple it is supposed to be for us.
A Must Read!.......2007-05-15
Dave Ramsey hits it on the head - I wish I had read it at 18 years old. Personal money management can be tough, but this book (as well as all the Dave Ramsey books) gives very clear, concise instruction on how to manage your life's fortune (or how to create a life's fortune).
He is hysterical and animated - It's easy, fun reading.
Helping me control my spending.......2007-05-08
The only reason I didn't give it 5 stars is because it is a little dated. I bought this book along with Financial Peace Revisited, and I found this one to be more helpful. It is just the basics/outline of the book, but he actually gives examples so you can build your budget worksheets, which i found really helpful.
Having said all that, I highly recommend the books to anyone that doesn't have a written budget. I thought I had one, albeit in my head, but it turned out that I had no idea where our money was going. I was in shock when I really started tracking our spending and found that we were overspending in areas we didn't need to. Now we use cash and our debit card, instead of our credit card and I feel I'm in much more control of our money. One of these days we'll be out of debt...
The Workbook that Works.......2007-05-07
You can not go wrong with Dave Ramsey's advice. With this Step by Step guide, as a companion to the Total Money Makeover, Dave puts you in control of your finances to achieve total freedom from Debt and build wealth. A must have if you want to be free - as Dave Says "Replace your BMW with a Paid Off Mortgage".(and all debts)!
The Financial Peace Planner: A step-by step guide to restoring your family's financial health.......2007-01-04
This is a must have tool for anyone wishing to better their financial position.
Book Description
"One thing is for certain: Variable annuities have become a part of the investment landscape and show no signs of going away."--The Wall Street Journal. The investing public's love of variable annuities has soared so high that The Wall Street Journal started a weekly column on annuities, "Annuity Watch." The reason for the popularity is simple. Variable annuities give investors the opportunity to receive money every year of their life, no matter how long they live. Guaranteed Income for Life explains the benefits of variable annuities. this informative book: Shows specific ways that variable annuities can help investors achieve lifelong financial security; Proves how variable annuities are in many ways superior to more commonly understood mutual funds; Explains the different types of annuities, with tips on how investors can pick the best product for their unique situations.
Customer Reviews:
An excellent guide to investing and how the annuity fits in........1998-11-30
With all the controversies of variable annuities today, Michael does an excellent job of showing the appropriateness of the annuity. The book was written at the basic level for the investor, capturing an informative overview of the many different investment options such as stocks, bonds and mutual funds and how the annuity fits into the investor's overall investment strategy. I would highly recommend this book to all investors!
Excellent book..........1998-11-25
I've read many different points of view about the value of VAs -- this book explains them clearly. Lane's book shows how tax deferral wroks. He takes you step-by-step so you can see how all the parts relate and why. Read chapters 5 "Suitable Uses of VAs" and ch 18 "Analyzing the Payout" and you will know more than most advisors. Great book congrads.
A great guide for financial planners and end consumers........1998-11-25
Having been in this business for 5 years it's nice to find a refreshing look at the real uses of variable annuities and when they make the most sense. Michael is very enlightening in his approach to when a variable annuity makes sense and for whom. He also is very concise in his description of all the factors which contribute to determining the above. In an industry which is muddled with both the pros and cons of variable annuities this book is a straight shot to doing what is in the best interest of the client.
Great book for Annuity Buyers.......1998-11-25
I am a novice investor and had no idea what an annuity was. Lane's book gave me the basics of what stocks and bonds were all the way through how to buy and annuity and use it to create a income to last my lifetime. I highly recommend this book.
A must for those considering purchasing an annuity........1998-10-28
An excellent primer on annuities. Any investor should read this book before considering purchasing an annuity. As a financial advisor I found his explanations simple yet definitive. Written in manner that any investor will be able to benefit from Michael's sound advice. While I believe that in general annuities are the most oversold product in financial circles (not becuse they are great product but because sellers earn huge commissions), Michael clearly demonstrates that annuities are appropriate in certain situations and tells you how to avoid the annuities that were designed to be sold not bought. He shows you what to type of product to look for when annuities are appropriate. Highly recommended.
Book Description
With this book learn how to avoid the active management scam that can cost plenty and eat into the retirement nest egg. Ross counsels on giving up on all those beat-the-market strategies pushed by Wall Street whiz kids. This book will set the reader on the safe road to investment efficiency and enhanced financial peace of mind.
Customer Reviews:
A Comprehensive "Survey" of The Full Scope of The Literature of EMT.......2005-12-31
My career as a retail stockbroker for six years, then for twenty-seven years as an institutional stockbroker selling portfolio analytics and investment research to professional asset managers (pension plan managers, mutual fund managers, and hedge fund managers) has provided me with the opportunity to explore modern portfolio theory, market efficiency, and the investment returns of active managers. I have read many of the books and academic papers Professor Ross uses as resources in this very coherent and thorough explanation of why the attempt to "beat the market" is futile, and fraught with risk.
Professor Ross uses his deep understanding of statistics, economics, and behavioral finance to explain market efficiency. He weaves a tight, coherent, and entertaining explanation of why the statistical evidence (manager performance databases) demonstrate most active managers cannot sustain above market performance for any significant time period. And he explains the risks of believing that the few active managers who have "outperformed" will continue to do so.
Professor Ross' book is the drawstring that pulls the elements of the Efficient Market Theory into a focused, concise, entertaining, and very readable format. I give Professor Ross' book my highest recommendation.
Intelligent Investing for Retirement.......2005-03-03
This is the best book I have seen regarding investing for retirement. Don't waste your time or money trying to beat the market, just understand Dr. Ross' basic principles for dealing with a volatile market. Forget the "get rich quick" models and come down to earth and use common sense and indexing. The first 2 chapters alone are worth the price of the book.
Contentful and serious, yet understandable.......2004-07-12
This book is an excellent and easily understood survey of the arguments in favor of the Efficient Market Hypothesis. Material is compellingly presented, abstract ideas are made easy to understand, and strong arguments are put forth in favor of passive funds (ie Index Funds) as against actively managed funds.
This book is one of few business books directed toward the general public that isn't trendy, insulting, ridiculous, or trite. I intend to buy this book for the next friend of mine that starts "day trading" or doing anything similar.
WAKE UP AND READ THIS BOOK!.......2004-06-11
I just finished this book and it has completely changed what I think about the stock market. The author starts off with background information on basic economics which is then used throughout the book to prove why and to what degree the stock market is impossible to beat. Before reading this book I was an avid technical analyst and despite my horrific returns, I felt that beating the market just took some more talent, skill, and a bit of luck. After reading this book--and realizing how sensible each of the author's arguments are--I've decided to face the facts and hang up my trendlines for good. Although the book is quite frankly disheartening, I am glad that I read it before I wasted any more of my hard earned money trying to find hot stocks.
The only thing that I felt should have been more thoroughly covered in the book was the effect that emotion plays in the stock market. Clearly the market isn't quite as efficent as the author believes when we see stocks such as amazon and yahoo get bid up to such astronomical levels in the late 90s. And it would be tough to explain how efficient stock prices are to those who were smart enough to short those stocks in 2000.
All in all though, this is an amazing and eye-opening book to say the least. Anyone who tries to beat the market through actively managed mutual funds or through trading NEEDS to read this book. Well written, easy to understand, and convincing as hell. Take the commission fee from your next trade and use it to buy this book instead.
Highly useful!.......2003-12-09
Correctly understanding the securities markets and how the financial industry ticks is critical to one's financial health. No other book I know does a better job in wading through the patently false, unscientific nonsense that banks, brokerages, the financial media and nine out of ten book authors typically disseminate. Why to they do that? Simple. It maximises their commissions or circulations at the expense of investors' net returns. Why is it simple? Because a large number of investors believe the rubbish that Wall Street and the media yells at them since it sounds somehow plausible and sophisticated. Other "eductated" investors allow their greed and "overconfidence" to get the better of them and hence fall for the same hogwash. This book explains it all and it is surprisingly entertaining. Strong buy!!
Customer Reviews:
This is a MUST!.......2007-06-08
If you are implementing the Dave Ramsey system to get out of debt then you definately need this Deluxe Executive Envelope System! It looks like a wallet and all your items fit in it - Debit Card, checkbook, etc.
Definitely Worth the Price.......2007-02-28
I wanted to start using an envelope budgeting system, but was trying to decide between this and the online mvelopes system. Mvelopes looked great, but charges a monthly fee that really adds up over time. This is far more cost effective! And I suspect it's a better way to change behavior because you can actually see the dollar bills as you spend them - or don't spend them. I never noticed the materials being cheap - but I'm pretty practical so the function is more important than the look. For what I paid, I can afford to buy a new one in a year if I need to!
I was very nervous about using cash. But this system makes it easy. Before, I would systematically run out of money 5 or 6 days before payday. But since starting this system a few months ago, I have built up a cushion of several hundred dollars in my checking account, made extra payments to my credit cards, and seldom overspend in any category. There were more than enough envelopes for me - I don't pull out cash for every single budget category. Only those that are discretionary. But you can always order extra envelopes if you need them. I can't wait to see where I am after a year of using this system.
Don't spend the money.......2007-01-10
I'm a fan of Dave Ramsey, but was disappointed in this item.
It should have been included as a "freebie" with the purchase of one of his books. The envelope/checkbook holder appears to be vinyl, pretty cheap looking. There are not enough envelopes and the coin case is too small and such a thin material it's a waste.
You can do the same set up with your existing checkbook and some plain envelopes. Save your money.
It works if you use it correctly.......2006-07-04
I bought the envelope system in hopes to track my spending. I am doing much better today in not spending money left and right since I write down everything I spend. It keeps me honest as well. I am doing a good job of not borrowing from other envelopes. The only drawback I see in this is when I go to Wal-Mart I often buy things that come from two or more of my envelopes. What I do is make a purchase for each envelope, seperating the items I am purchasing by envelope. Overall I highly reccommend this product to anyone out there who is struggling with overspending. I have really cut back on my little spending. That is where my paycheck was really dissapearing to. I would eat out often at fast food restaraunts. I would also spend a couple dollars here and there at gas stations and other stores. Today I am more disciplined with my spending and it is all thanks to this Deluxe Executive Envelope System.
Dave's envelope system.......2005-11-03
A nice companion for those of us following Dave's financial peace program. Anything to help with organization!
Customer Reviews:
Great tools.......2007-05-19
I'm using this with my 9 year old. I think these are some great tools to help raise my child to stay debt free. At first he was reluctant, but now he really enjoys saving up for things. The commission list helps him track what he's earning and the saving for board gives him a visual reminder of why he wants to save. He still asks for things, but quickly remembers he'd have to use his own money, so he thinks through it and I like seeing him work through these things. I think Dave Ramsey is great and appreciate all his knowledge for my own finances too.
Excellent for Little Kids!.......2007-02-05
I purchased this product to use with my 3-year old son. He loves it! In fact, it's a frequent topic of conversation. He likes giving me updates on his "jobs" for the day. This product will help you to teach your children, even young children, the value of money and the linkage to hard work. Dave's system splits up the child's earnings into 3 categories: giving, saving, and spending. My son enjoys all 3: giving money (tithe) at church, saving money for a big toy, and spending money on little cars or candy bars. I highly recommend this product.
You could as easily make your own chart........2006-11-06
If you are already familiar with Dave Ramsey's financial advice for kids, this kit won't offer you anything new. It contains a dry-erase worksheet, which is nice, but not worth the price of the kit. It also contains a story to tell your kids (or have them listen to on CD) and a calculator.
Did not meet Expectations.......2006-11-03
Overpriced for what we purchased. Teaching kids about money is very important and while this product may spark that interest (temporarily), there was not a whole lot to it. Very cheap materials for what we paid. I suppose it did provide a good lesson about buying over the internet because you are taking a risk when you can't see what you are actually buying. Hopefully the kids learned that or more.
Teaching daughter about money........2006-02-19
My wife and I were concerned about teaching our children to be responsible and understand money. We were unable to find a satisfactory book or sytem until we used this tool. Our four year old has been using the system layed out in this pack, and she thinks it's COOL.
Book Description
In this book, the author gives the reader the keys to building wealth while also creating a successful, united family. In the course of the author's work with men and women in all phases of life, Ramsey has identified the ten key traits that are essential to creating prosperity, teaching your children about money, living debt-free, and achieving marital bliss around the issues of finances. This book also provides practical lessons that will help you enrich your wallet and your life. This book inspires with the author's down-home, folksy voice; heartwarming case histories; inspiring insights from his wife, quotations from the Bible, exercises, quizzes, and simple work sheets.
Download Description
Dave Ramsey shares the lessons he has learned about building wealth and a successful, unified family. In the course of his work with men and women in all phases of life, Ramsey has identified the ten key traits that are essential to living debt-free, creating prosperity, and achieving marital accord concerning your relationship to money as well as teaching your children smart financial habits. More Than Enough elucidates each of these traits, which include values, goals, accountability, discipline, patience, and giving back to your community. * What finances and romance have to do with each other * How financial problems affect the sexes differently * Why contentment is the most powerful financial principle there is * How to teach kids the value of money * How to avoid letting the number-one cause of divorce-- money--destroy your marriage * Why living debt-free allows you to build wealth and change your family's spending habits forever
Customer Reviews:
contentment is the key.......2006-10-09
Dave is preaching some good lessons about life in this book. Values, vision, intensity, patience, wisdomonics (his word).... but the key to me is contentment. Learn to be happy that you are loved by God, and stop looking at spending money on stuff to make you happy. See yourself as a participant in God's world doing His will, and stop focusing on yourself. I know this is easier said than done, and especially if you have a family to support (you always want to give them the best stuff). This isn't your typical financial planning book, or even your typical how to get out of debt book, but it is filled with good thoughts about life in general, and if you live them, Dave promises other problems (e.g., money) will fade away, or at least get under control. I give this a big thumbs up.
Must read if you don't have MORE THAN ENOUGH.......2001-12-22
Dave's teaching is practical and common sense. If you follow his plan you will have peace and prosparity. His simple teaching may be scoffed at because it seems common sense, however most people don't follow this and they suffer. I hope you'll read it for your benefit. If you want to have more than enough in your financies and in your life, then read this book.
Must-read for anyone, great perspective on money and more.......1999-07-13
In this book Dave really drives it home - it's all about values, integrity, honesty and money is just an indicator of those. It taught me a lot on how it really works and it does, you can have more than enough! Go get it!
Dave Ramsey hits a homerun "It truly is about Integrity".......1999-04-09
This book should help just about everybody. Dave's open and honest text helps the reader look deep inside himself to look not only for finanial peace but peace in knowing that the reader can sleep at night with all the other parts of his life no matter who he or she is or how finacially secure he or she might beRamsey has worked hard at his own success and makes no bones about sharing a life that is more about integrity and doing the right thing than the typical finacial strategy books on the market.His tips are solid as a rock and should not be ignored. Especially in todays enviroment where words like integrity, honesty and courage seem to be set aside for excuses and lies. The book takes Dave's first book and drives home the behavioral changes that need to take place to be successful in all aspects of life. Great Job Dave and thank you.
Do yourself (and your family) a favor ... read this book!.......1999-01-19
I submitted a review of this book last week. I loved the book. I would gladly write an additional review. I wholely believe in Dave's Methods and have shared them with many friends and family. They will change your live.
Product Description
This author encourages you to stop living with guilt, frustrations and headaches that come with trying to manage your personal finances. You owe it to yourself and those you love to find what thousands already have: Financial Peace!
Books:
- FLIP: How to Find, Fix, and Sell Houses for Profit
- Forex Conquered: High Probability Systems and Strategies for Active Traders (Wiley Trading)
- Foundations of Physical Education, Exercise Science, and Sport with Ready Notes and PowerWeb/OLC Bind-in Passcard
- Frank Lloyd Wright The Houses
- Fundamentals of Risk and Insurance
- Generative Social Science: Studies in Agent-Based Computational Modeling (Princeton Studies in Complexity)
- Getting Started in Project Management (Getting Started In.....)
- Go Put Your Strengths to Work: 6 Powerful Steps to Achieve Outstanding Performance
- Go Put Your Strengths to Work: 6 Powerful Steps to Achieve Outstanding Performance
- Gold Trading Boot Camp: How to Master the Basics and Become a Successful Commodities Investor
Books Index
Books Home
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Public Finance
| Economics
| Business & Investing
| Subjects
| Books
The Financial Peace Planner: A step-by step guide to restoring your family's financial health
The Total Money Makeover: A Proven Plan for Financial Fitness
More than Enough: The Ten Keys to Changing Your Financial Destiny
Financial Peace Revisited
How to Have More than Enough: A Step-by-Step Guide to Creating Abundance
