Book Description
Praise for The Peebles Principles
"Don Peebles is an example of what entrepreneurs are all about. In this engaging and witty book, Peebles shares insights from his own success in the world of high- powered real estate. What makes this book different is Peebles doesn't just focus on the positive, he discusses the failures too—something every entrepreneur can expect in his journey to success. This book should be on every aspiring business- person's bookshelf to be read again and again."
—Robert L. Johnson, Founder, BET and Owner, Charlotte Bobcats
"The Peebles Principles provides a fun read and a bird's-eye view of the ever- changing world of a real estate entrepreneur. It is a good gut check for would-be entrepreneurs to ask if they have what it takes."
—Dr. Peter D. Linnemann, Albert Sussman Professor of Real Estate, Wharton School of Business, University of Pennsylvania
"Wow! What magnificent inspiration The Peebles Principles is for anyone seeking to be involved in business. The ground rules found in each chapter are absolute gems, and those alone make the book worth buying."
—Cathy Hughes, Founder and Chairperson, Radio One, Inc.
"This book is a brilliant example of entrepreneurship, creativity, and principles. Peebles walks you through many of his successful deals, from their inception to their completion. Once you start the book you won't be able to put it down until you've finished the last page."
—Dr. Sanford L. Ziff, Founder and Chairman, Sunglass Hut International Inc.
Customer Reviews:
Should Be Required Reading!.......2007-09-24
I can't stop talking about this book! I first heard Mr. Peebles on the Steve Harvey morning show. I was impressed. Then, I had the pleasure of hearing him speak at a Michigan Minority Business Development Council/General Motors event. I was even more impressed. I took home my autographed copy of his book that day and began reading it. I was addicted! I could not put it down! Every spare moment I had, I was in this book! He literally becomes your mentor. This book is a practical application manual. He shares what went wrong and what went right, he names names and pulls no punches! Mr. Peebles has put to shame many other authors, claiming to want to teach us how to become rich in real estate or other industries, for holding out on us!
Must read for ANYONE aspiring to do big deals!.......2007-09-23
This is a very easy to read, step-by-step book of the anatomy of a deal. Often we say that we would like to be the lamp in the room of a big deal and Peebles puts us there time and time again! The candor and honesty expressed regarding the deal structure and his thoughts behind the decisions made was nothing short of generous! I have been in business for seven years. I could not figure out why my firm had not advanced to the next level... Now I understand! For a man, independently wealthy, he charitably gives the rest of us some insight to advancing our own goals and closing our own deals! I have recommended the book to at least 10 colleagues in two weeks!
I love the Peebles Principles.......2007-09-04
I read books all the time about very successful people, most happen to be in industries other than in the Real Estate industry that I am in. I have also read about a lot developers like Donald Trump, but until know this is one of the most successful Minority Developers I have the pleasure of studying. The ability to stand fast with no legs to stand on is a lesson in itself. You have to believe you are adding value in any relationship for all to feel a certain equality.
His vision and tenacity to follow through, seems to be a trait a lot of Entrepreneurs lack. This is a real How To Book, most will try to cafeteria style it, and do it there way, bit it will not work. From the moment I finished reading it,I started trying to build political contacts. I will be giving my first campaign donation this year. I never understood the importance of who you know, not what it is that you know, until I read The Peebles Principles. I would just like to congratulate Mr. Pebbles on his massive success.
It seems as if Mr. Peebles is unstoppable know, I just recently read that he is constructing the most expensive Minority Owned hotel in Las Vegas as we speak. This just gives the average person that does not have a Harvard Degree the confidence that you can do it if you want it bad enough. In closing I would recommend this book to anyone that has ever wanted to pursue a career as a Real Estate Investor. It gives you a different path to the promised land.
Darrick H Scruggs
Can this genius possibly have more fun?.......2007-08-01
Read this book. It will force you to completely rethink just how you can operate within the free-market business world. My once forgotten career dreams of yesteryear have been rediscovered and are now being fulfilled with a renewed vigor. Mr. Peebles has an astute business mind coupled with a tireless desire to succeed with his ethics intact.
Real People, Real Stories, Real Lessons.......2007-06-12
The Peebles Principles is an excellent, but at the same time, easy read. I recommend it to anyone in business or thinking about going into business. His story should be an inspiration to all who want to succeed in business and in life, regardless of race or economic background. It is a must read for everyone in my family.
Book Description
Read the Preface, Introduction, and Chapter 1 at thewellnessrevolution.paulzanepilzer.com.
Five years ago, Paul Zane Pilzer outlined the future of an industry he called “wellness” and showed readers how they could get in on the profitable bottom floor. The New Wellness Revolution, Second Edition includes more guidance and business advice for entrepreneurs, product distributors, physicians, and other wellness professionals. It’s an industry that will only grow, so get in while you can.
Customer Reviews:
Wellness is worth it!.......2007-08-07
Paul educates the reader about how to take part in the next trillion dollar industry by getting into health and wellness.
Question about something.......2007-07-30
I have read some of this book in the bookstore because it looked rather interesting - and is. And maybe I'm stretching things, but I was 'confused' by some things in it, and here is one example. He talks about Dr. Mercola's website, which I had previously learned about and registered on. Then later in the book, he touts how GREAT soy is. Well anyone that follows Mercola's website knows that Dr. M does not promote soy and actually has articles detailing the adverse effects that regular consumption of soy can produce. And with Pilzer writing about Mercola and later about how good soy is, well those two items are in conflict to me. I suppose I should see this book more along the lines of reference material as well as a promotion of how trends will tend toward pro-health activities and lifestyles, not forgetting to mention the potentially profitable opportunities that exist. I guess when I read a book, I expect topics and information to run along similar lines. It would be like say a democrat writing a book about his liberal views, with a chapter detailing how Roe vs. Wade should have been thrown out altogether. It just wouldn't be the expected fit for me. I welcome any comments to help me see things more accurately. Feel free to write to me at purpleshake on gmail if so inclined. Thank you.
The New Wellness Revolution - Rocks`.......2007-07-03
Being in the Health and Wellness industry i found this book to be state of the art. A definite read for everyone.
Brian Brown.......2007-04-11
This book was amazing. Paul is dead on the money. As the owner of a fast growing Health & Wellness company, it is affirming to hear that I am doing the right things. It also gave me a lot of new ideas for my current projects. If anyone is considering being involved in this trillion dollar industry, this book is a must read!
A must read for anyone concerned about their health and the future!!.......2007-03-22
This is a great book to open your eyes about health and your responsibility in being responsible for yourself. I was amazed to read about milk!!
Take charge of your life and read this book!
Average customer rating:
- Getting Clear
- I simply love it!
- This is useful when used in context
- Excellent book
- Inspiring
|
Feng Shui Your Life
Jayme Barrett
Manufacturer: Sterling
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ASIN: 0806976292 |
Customer Reviews:
Getting Clear.......2007-09-19
One of my best friends bought me this book after I sent her Jayme's online newsletter...pretty powerful newsletter, I'd say! I read this book daily now and cannot believe the content and context of the information it constantly imparts to me; it is enjoyable beyond what I could have believed. Every paragraph has so far resonated with me and is the direction I have been wanting to go; and now I know I have a scout who has gone out there and blazed this trail and come back inside to write about it! This is a generous woman! Having met Jayme at several yoga studio events, I know Jayme lives what she writes and has an energy of such integrity around her. For me, that counts for everything. The cleanliness, clarity, strength and beauty of this writing portrays who Jayme is, and I can't say enough about that level and depth of life. It is awesome to find it outside of oneself on the pages of a book as grande as this beautiful book is. She has excellent taste in real life (by the choices of her teachers and masters), in my opinion, and I am happy to turn the pages of this book slowly and deliberately and find support on "how to do a life well lived". This is the perfect book for me. Having just bought a new space in L.A., I will use this book to go forward on discovering who the new me is! Thank you, J. And thank you, Sydney, for the book!
I simply love it!.......2007-08-15
Covering the depth and breadth of feng shui from the inside out, Jayme's thorough understanding of energy makes my efforts fun and amazingly enlightening. Oh my gosh, it works! I gladly decluttered the other feng shui books and that silly money toad, and follow Jayme's teaching exclusively. I am thrilled with the daily insights as well as the infusion of revitalizing energy in my life. This is one of those rare, truly life-transforming books, and I'm a five-star fan! Thank you again, Jayme, for your beautiful, inspiring book!
This is useful when used in context.......2007-05-07
I really love the ideas in this book! I am a strong Christian, so some of the ideas are a little odd, but overall the book makes a lot of sense. Generally it will create negative energy if you stick your finger in an electrical outlet. A lot of the stuff is just common sense, but I really love the colors and the ideas they give on laying out rooms and putting your space together.
Excellent book.......2007-04-19
This book is an excellent beginner's guide to Feng Shui. It covers the bagua, and gives excellent tips on how to energize your space with things you already have. It also gives a basic space clearing technique. I recommend this book.
Inspiring.......2007-04-05
I have to admit it, I purchased this book mainly for the pictures. I find photos of well-laid-out rooms inspiring. HOWEVER, I am recommending this book because of its incredible CONTENT. Jayme Barrett lays the subject matter out so perfectly. It's like a step-by-step manual, only much more beautifully presented. Oh, and the pictures lived up to my expectations as well!
Book Description
From financial expert Douglas R. Andrew comes an extraordinary book that challenges the most basic and fundamental concepts of personal investing in a user-friendly format.In the 30 years Douglas R.Andrew has worked as a successful financial analyst, lecturer, and retirement consultant, he has routinely questioned and challenged the accepted tenets of personal finance. His conclusions are absolutely startling. In 23 informative chapters, Andrew reveals his no-nonsense, yet unconventional, financial growth strategies that challenge widespread money myths and make his clients rich with advice like: * You shouldn't pre-pay your mortgage* Don't expect your 401Ks and IRAs to cover retirement* You can (and should) buy a home with no money down* and more!Originally self-published as MISSED FORTUNE (Paramount Publications, 7/03) and targeted towards a more professional financial audience, the first edition of this book sold 10,000 copies. In 4/04, it was published in Warner Business Books trade paperback (0-446-69350-2). This new hardcover edition has been significantly condensed to appeal to the average personal investor.
Customer Reviews:
Very educational--dispels a lot of finance misconceptions.......2007-10-10
Go pick up it up and read the whole book. It will open up your eyes on what finances are all about, and dispels many myths about money, taxes, and retirement planning. In fact, insist that your CPA, financial planner, insurance agent and estate attorney read it too.
Extremely interesting.......2007-10-10
I'm probably your typical Joe American with a marraige, kids, a house, car, etc. As I'm getting older I'm thinking more about running my personal finances like a business. I've reduced expenses significantly (no downsizing the family yet, though sometimes I could deal without the kids for a couple days! haha) and have tried to maximize idle money and active investments. Basic stuff I've done without professional help.
I've highly recommended this book to friends and family if for no other reason that it's includes a bunch of real thought-inducing topics that go against conventional financial wisdom. Namely to throw cash at your house to pay it off as fast as possible which truly does sound like a grand plan, but after reading the book sounds downright stupid.
Things I've taken away after reading this book:
* Deductible interest is good, at least when compared to non-deductible. No duh. But I never really thought it through to the ends.
* Your house will either appreciate or depreciate regardless of your mortgage rate, your monthly mortgage payment, or how much equity you invest into the house. If your house is worth $100K today and $110K tomorrow you gained $10K in equity. But it would've done that regardless of your mortgage.
* Money makes money. Pretty basic concept. But your money makes money a lot faster outside of being invested in your home equity which is what you're doing sending an extra $200/mo to your mortgage holder. That's $200/mo your throwing into a non-interest bearing account. Doesn't sound so smart now does it?
* There's a variety of retirement savings vehicles available outside the standard 401K and IRA. Well, obviously. But the book goes into depth on the advantages and disadvantages of them.
* One big thing the book pushes is Universal Life Insurance as the retirement vehicle of choice. There's a lot of agreeable arguments made towards this choice but there's no specific plans referenced and I haven't checked into the actual numbers to see if they stack up. But the overall theory seems pretty sounds. You throw your money into the policy, it compounds tax free, and you can withdraw it via loans tax free. People will argue that the policy costs money to run, and you have to pay a marginal interest rate against the loan, but you're still saving a TON via the tax savings which is the general argument for this policy.
I'm not saying I'm on board 100% with all the arguments made in the book. But many of them seem completely reasonable and logical. Pay $20K down on your house to save $100/mo in mortgage? Or take the $20K and invest it? It'll make $100/mo today in a 5% CD. And it compounds and thus makes more and more each month. And even more if the investment churns out more than 5%. And your house equity will likely increase regardless as housing values typically increase historically and will do so regardless of your mortgage.
Unlike some advisors Mr. Andrew walks his talk! .......2007-10-02
I have had the occasion to meet Douglas Andrew and he is his own biggest client. He seems to be one of the most straight forward, straight shooting people I have ever met. I was a stock broker with my insurance license, a mortgage wholesale rep, as well as a real estate broker and I have to say the strategies that are espoused in this book are all... right on! Hey, nothing is completely risk free but this comes close. I took my own home equity out [by selling my home] before the prices went down. I am glad I did. Most of it I will put into this strategy over the next 4 years and some will be saved for a down payment when I think housing prices have bottomed. When that home goes up I will take the equity out and start another plan like this. It makes little if any sense to have your home equity sitting there doing nothing. I mean would I leave $100K or more sitting in my checking account, earning zip? NOT! Well money that was sitting in my own home was making me nothing. It's the same to me. Hey, if I can borrow at a simple interest rate and have it accumulate and grow [even tax favored maybe] and compound over time into a large sum, I am all for it. The idea of using home equity to grow wealth is not new but until now I have never seen a strategy that I was comfortable with. This book turns life insurance upside down and shows us how to maximum fund a contract and therefore use it as a great 'living' benefit rather than buy the most death benefit for the least amount of money and possibly outlive the insurance just when we are nearing the 'benefit', if you want call it that, since one has to die to get it. But let's face it, we all need life insurance and I know no better way to have it. The way Mr. Andrew explains it, if structured properly Uncle Sam is paying for it. The strategies in this book are varied and flexible. He also shows us how our qualified plans [401K, IRA, 403b, etc] may very well not be serving our best interest. This book is a must read for anyone that is willing to think for themselves [outside the box] and especially if you have been around long enough to understand what Douglas Andrew means when he says 'sometimes it's what we don't know that we don't know that can hurt us.'
Please be careful..........2007-10-02
I think I would sign up for this if I had a lot of money and have as a small part of my portfolio - but for the most of us this would mean putting all our eggs in one basket, and not be able to take them out again.
I had 2 telephone appointments with the author's son contemplating signing up with their method. I expressed our concerns about our liquidity if another disaster of some sort happens. When 9/11 happened our income went down significantly for 1-2 years afterwards, and if it happened again we would not be able to pay the much higher mortgage we would have if we re-financed according to his plan. He swiftly explained that we would just file for bankruptcy(!). We have worked hard for ten long years putting our sweat equity into making our little house our dream home that we never want to leave - you can't buy a view like ours for a mortgage of $800/month anymore - why would we want to gamble with that?? The negative amortization loan he suggested would easily be covered by the continually rising house values here in Southern California, he explained. I protested that nothing can keep going up and up forever, and I didn't want to sit with an upside-down situation in my house at re-finance time. He didn't agree - just look at history he said - it keeps going up! Fast forward a few weeks and the whole foreclosure heaven came down, and our house is worth a good $100.000 less than just a year before...
Boy are we happy we didn't put blinders on and get too gullable!
We will find another way to provide for our retirement, thanks.
Also his projections of payouts in retirement are not adjusted for inflation so it really doesn't tell you much. $70k might sound like enough today but what will it be in 30 years...?
Please look into your options, consult a few traditional financial planners and ask them to explain the differences and in particular the high fees associated with this method. We found out that we'd be pretty well off just by investing the difference between our current mortgage payment and the one we would have re-financed to. Also have an equity line on your house and you will have the liquidity the book tells you you can't have unless you go with their method.
Utter Garbage.......2007-10-01
Every flimflam man knows that the con must be carefully layered around a kernel of truth for credibility. Missed Fortune 101 by Doug Andrew succeeds in this by wrapping a number of preposterous ideas and prevarications around three basic and true axioms. They are: (1) income is taxed in what are essentially "chunks," (2) the only relevant tax rate for decision making is the marginal rate, and (3) tremendous wealth can be created by borrowing at one rate and investing at a higher rate. Everything else in this book is not only utter nonsense, but potentially lethal to one's financial health.
The author arrives at two basic conclusions. We should borrow out of our homes and invest the proceeds at a higher rate. Universal life insurance serves as Andrew's means to this end. We should also suffer the consequences of withdrawing from our IRAs and other retirement plans now rather than later, since the tax from such withdrawals will only get worse. Naturally, the leftover funds (heavily diluted by taxes) should be invested in the same insurance policies, which supposedly offer a higher--and safer--yield than whatever the retirement plans were invested in. By page 5, I realize I'm reading a book-length sales pitch and con that has the potential to wreak havoc in my clients' lives (disclosure: I've been an Enrolled Agent tax professional and Certified Financial Planner licensee for almost three decades).
Anything this full of nonsense is difficult to critique. Short of writing a book-length retort, I've settled on the idea of listing the multitude of problems by category and providing examples from each.
A far more comprehensive review is available at my personal sites; just Google my name to find me. This is an abstract from that review. Serious readers will want to check out my books to see what links may exist between financial abuse and the field of addiction. You may wish to start with Drunks, Drugs & Debits: How to Recognize Addicts and Avoid Financial Abuse or Alcoholism Myths and Realities: Removing the Stigma of Society's most Destructive Disease.
Highly misleading examples
(2) "A $6,000 interest expense deduction on an itemized tax return has the same impact as a $6,000 qualified plan contribution. They are simply reflected in different sections of the return." Aside from numerous other issues, the tax savings from the interest deduction may be zero if you don't already itemize deductions.
(3) He implies that ordinary investors can double their money for 20 periods by comparing one dollar pre-tax and one dollar taxed-as-earned, doubling each "period" for 20 such "periods." The number of humans who have done this or something equivalent numbers perhaps a few thousand, which wasn't accomplished by investing in insurance contracts.
Faulty and twisted logic
(4) "...Your home may likely sell much more quickly and for a higher price with a high mortgage balance rather than a low mortgage balance." What the heck does the balance on my mortgage have to do with what a buyer is willing to pay me for my house?
Broad, sweeping and misleading generalizations
(2) Andrew advises that we all sell our homes and repurchase with 100% financing with the goal of freeing up equity to invest in his recommended universal life policies. He ignores the higher interest and property mortgage insurance costs on such loans, overlooks possible increased property taxes and disregards fixed transaction and moving costs.
(4) "Unfortunately, non-spouse heirs far too often end up with only about 28 percent of the money that was left in their parents' IRAs and 401(k)s." This is scare-mongering.
Questionable predictions and grand assumptions
(3) "Conservatively, [our cozy retirement] cabin will double in value every ten years..." and our $100,000 cabin will be worth "$800,000 in thirty years." Very few areas in the country even during the late real estate boom of the last three decades have done that well. What would qualify as "aggressively"?
Assertions and generalizations that may be lethal to your retirement
(1) "Home equity has no rate of return when it is trapped in the house..." This is outright nonsense. The return is what you save in interest or rents.
(5) He concludes that if not done before, "roll-outs" from IRAs commence at age 59 ½ over a five year period and that some younger people under age 50 should commence withdrawals despite the imposition of early withdrawal penalties. The value of tax-deferred growth is ignored, as is the fact that "repositioning" of funds shrink the amount available for investment by the tax paid, which greatly distorts his calculations.
Inane or incorrect assertions
(2) He states that the interest on an equity line used to purchase universal life insurance from which you contemplate borrowing is deductible. Under IRC section 264(a)3, it isn't).
Sloppy editing of facts
(2) "One requirement [for withdrawing tax-free income from a Roth IRA] is that a distribution may not be made until at least five years after the first contribution is made." This is incorrect. Principle contributions, which are withdrawn before earnings, can be taken at any time at no cost in tax or penalty.
Poor writing and berating of those who disagree with him
(2) "There are two ways to handle information: ignore it as false or increase your level of understanding to accommodate new ideas." Obviously, we are supposed to accommodate his ideas or we're complete idiots.
(3) There are probably hundreds of examples poor writing. "...Premium payments can be varied, fluctuated, and adjusted according to circumstances..." should be, simply, "Premiums can be adjusted."
Throughout, Andrew uses variations of the typical bunko-artist salesman ploy: scare you into agreeing to do whatever he says because life will be filled with disasters if you don't. On the contrary: your financial life will likely turn into a catastrophe if you do.
Average customer rating:
- Animals do indeed communicate information to us
- Animal Speak by Ted Andrews
- Animal Speak Still Going Strong
- Fascinating Information about animal symbolism
- All creatures, great and small . . .
|
Animal Speak: The Spiritual & Magical Powers of Creatures Great & Small
Ted Andrews
Manufacturer: Llewellyn Publications
ProductGroup: Book
Binding: Paperback
Psychology & Counseling
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Similar Items:
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Nature-Speak: Signs, Omens and Messages in Nature
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Animal-Wise: The Spirit Language and Signs of Nature
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Medicine Cards: The Discovery of Power Through the Ways of Animals
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How To Meet & Work With Spirit Guides (How to (Llewellyn))
ASIN: 0875420281 |
Amazon.com
Want to learn how to speak the language of critters, large and small? Easy-to-read and understand, Ted Andrews's bestselling Animal Speak shows readers how to identify his or her animal totem and learn how to invoke its energy and use it for personal growth and inner discovery. Nature lovers will love this insightful compendium, chock-full of touching stories about animals, natural history, and animal folklore. Readers will also learn magical animal rites and how to read omens. Animal Speak includes a dictionary of bird, animal, reptile, and insect totems, which describe each creature's meaning. For example, if a person's totem is dragonfly, he or she was most likely excessively emotional and passionate in early years, learning with age to balance it with mental clarity and control. If a dragonfly suddenly shows up in your life, it means you may need to gain a new perspective or make a change. --P. Randall Cohan
Customer Reviews:
Animals do indeed communicate information to us.......2007-10-02
This book was recommended to me several years ago, and since reading it I regularly refer to it as an informational resource. On many occasions I have been amazed at how relevant the information about a particular creature was to what I was experiencing at the time it happened to cross my path. I found Animal Speak to be of such value to me that I chose to include an excerpt from it within my own book. As such, I highly recommend it to any person who has interest in the spiritual path.
Animal Speak by Ted Andrews.......2007-09-26
Animal Speak: The Spiritual & Magical Powers of Creatures Great & Small
Great book, I had seen Ted Andrews in person, what an incredible man. I already had so many books at the time, I did not buy it then and have him sign it. But recently it is the time of skunks and well, I have just seen/smell for several weeks. My friend has the book, and she read me the section about skunks, and it was amazing. how much of what it had to say about skunks, from strength, relationships, boundaries, sensuality, were the things I was looking at in my life. So I decided to buy the book after all, and it is a great thing.
Animal Speak Still Going Strong.......2007-08-11
This purchase was a replacement for an fifteen year old copy that I simply wore out. I bought the first copy when I met Ted Andrews in 1987, I teach neo-shamanism and suggest that all of my students have this book and it's accompaniment "Nature Speak." Ted is a naturalist and knows animals and nature first hand. He combines his knowledge with ancient and modern myth and lore to give us a comprehensive guide to how animals interact in our metaphysical world.
Fascinating Information about animal symbolism.......2007-07-31
"The most common belief in many societies is that spiritual guides often use animals or animal imagery to communicate their purpose and roles to humans." -From the book.
I was drawn to this book several years ago when I had a recurring dream about an animal and felt sure that there was an important message in it for me. I have used it several times since to look up the meaning associated with certain animals that came across my path. We may think that these encounters are random or coincidental, but they're not. Often we don't see signs that are right in front of us. Does it take a billboard to get you to take notice? For me, sometimes it does, but I have tried to slow down and pay attention to these subtle natural nudges because a lot of times, they contain a powerful message or just good advice! Just as symbols, seeing/encountering certain animals may, on the surface have no meaning to us, but our subconcious knows what it means.
There is a HUGE amount of information in this book. It is very interesting to read. In addition to finding out the meanings/messages of animals, it also tells you how to find out what your nature totems are and how to work with that energy.
In chapter 4 'Reading signs and omens in nature' there are charts for the meanings or symbolism of certain trees and flowers and the positive/negative qualities of colors.
Highly interesting book and great to have for reference.
All creatures, great and small . . ........2007-06-29
This was one of my earlier "special" books. My girlfriend, a Reiki Master, looked up spider for me. I think I had a dream about spider. One of those "insightfull" dreams. You know, the dreams that you just know are more than an ordinary dream. The info she gave me from the book really made me appreciate the spider and what it was trying to tell me. I got hooked, on both Ted Andrews' books and understanding about animals. I always liked animals, but I was a little picky on WHICH animals, and creatures, I liked.
Ted Andrews writes really great metaphysical books. He clearly knows what he's talking about and does his darnest to explain it all to you, with all the details, and in an easy to understand fashion. Besides the fact that it's easy to look up an animal in the book, he explains lots of other related stuff.
I use this book whenever an animal or creature seems out of the norm. Examples would be seeing a single crow over and over again, seeing an animal in some really unusual circumstances, dreaming about an animal, especially if the dream is different. You know a "different" dream when you have one. Maybe you are half asleep/half awake and see a wolf looking directly at you and his eyes are glowing and you sense he is telling you something.
Book Description
The world's most exciting, fastest-growing new market? It's where you least expect it: at the bottom of the pyramid. Collectively, the world's billions of poor people have immense entrepreneurial capabilities and buying power. You can learn how to serve them and help millions of the world's poorest people escape poverty.
It is being done-profitably. Whether you're a business leader or an anti-poverty activist, business guru Prahalad shows why you can't afford to ignore "Bottom of the Pyramid" (BOP) markets.
In the book and accompanying CD videos, Prahalad presents...
Why what you know about BOP markets is wrong A world of surprises-from spending patterns to distribution and marketing
Unlocking the "poverty penalty"
The most enduring contributions your company can make Delivering dignity, empowerment, and choice-not just products
Corporations and BOP entrepreneurs Profiting together from an inclusive new capitalism
"C. K. Prahalad argues that companies must revolutionize how they dobusiness in developing countries if both sides of that economic equation areto prosper. Drawing on a wealth of case studies, his compelling new bookoffers an intriguing blueprint for how to fight poverty with profitability." Bill Gates, Chairman and Chief Software Architect,Microsoft
"The Bottom of the Pyramid belongs at the top of the reading list forbusiness people, academics, and experts pursuing the elusive goal ofsustainable growth in the developing world. C. K. Prahalad writes withuncommon insight about consumer needs in poor societies andopportunities for the private sector to serve important public purposes whileenhancing its own bottom line. If you are looking for fresh thinking aboutemerging markets, your search is ended. This is the book for you." Madeleine K. Albright, Former U.S. Secretary of State
"Prahalad challenges readers to re-evaluate their pre-conceived notionsabout the commercial opportunities in serving the relatively poor nations ofthe world. The Bottom of the Pyramid highlights the way to commercialsuccess and societal improvement--but only if the developed worldreconceives the way it delivers products and services to the developingworld." Christopher Rodrigues, CEO, Visa International
"An important and insightful work showing persuasively how the privatesector can be put at the center of development, not just as a rhetoricalflourish but as a real engine of jobs and services for the poor." Mark Malloch Brown, Administrator, United Nations Development Programme
Customer Reviews:
Saving the World.......2007-10-02
The author loves his TLA's (3 letter acronyms)! I wish someone had told me how technical this book was; those with an MBA will get the most out of it. But I love Prahalad's outlook and creativity. Perhaps with a little advice I can take my ideas and come up with a formal business plan.
Extraordinary claims require extraordinary evidence, and anecdotal evidence is not proof.......2007-06-24
Last year this book became a best seller hit among the developmental community at Washington, D.C., to the point that all bookstores at Metro DC run out of it. With notorious and well publicized praising comments from Madeleine Albright, Bill Gates and the like, I bought it too, but just to discover all the frenzy was undeserved from the viewpoint of poverty eradication.
Undoubtedly Mr. Pralhad's research demonstrates there are plenty of opportunities to do good business among the poor at the BOP (bottom of the pyramid), for them to benefit from the products and services not available now, and for some of them to go out of poverty by becoming entrepreneurs (market penetration is always limited). I agree on these conclusions, as commented extensively by the previous reviewers, and without a doubt this book will become a reference in many Business Schools. But to assert that this strategy will eradicate poverty and bring development is plain sophistry. As Carl Sagan said "Extraordinary claims require extraordinary evidence".
Why sophistry? Regarding the poverty eradication claimed by Mr. Prahalad I will try to highlight some of the main flaws in his rationale and lack of sufficient evidence:
1. Despite the consideration of several cases from around the Third-World, most of the discussion and arguments to build the framework are related to India, excessively. The conditions of the poor in Latin America are quite different, and often, they have better public services available to them. On the other hand, many African countries have worst conditions. So you can not reach valid conclusions based solely on a country with such unique cultural and ethnical conditions. For doing business the cases are fine, especially for India or China because they are such huge markets at the BOP.
2. Wealth creation is hugely overestimated. Poor entrepreneurs and their immediate family will undoubtedly benefit from these new economic activities, but the framework lacks an explanation about how these oases of welcomed capitalism will trickle-down to the rest of their neighbors and poor villages. The implicit assumption is that everybody at the BOP has to become an entrepreneur for this strategy to work, because by just having access to affordable consumer products it seems very unlikely that poverty will be eradicated. The proposed framework is just good for doing business and for the poor to have access to new services and products, but where is the sustainable "fishing industry" for the rest of the poor population? The cases are very unique, islands of excellence, and with limited potential for a population the huge size of the BOT to bail out of poverty in significant numbers.
3. The analysis lacks the historical, cultural, legal and socio-economical background for a given country or region, and this consideration is fundamental for a proper analysis on sustainable development. Even when Mr. Pralhalad correctly identifies lack of education, corruption and the size of the informal sector as barriers for development and doing business, he then oversimplifies a lot on how to overcome these key issues, and again, an isolated Indian case is used as the magic formula to solve the problem through information technology. In fact, at the end of Chapter 6, within the conclusions, he recognizes that the illustrations he provides "are but islands of excellence in a sea of deprivation and helplessness". As the development community knows well, these successful stories are very hard to replicate. In Latin America we have the outstanding cases of Chile, Uruguay and Costa Rica. In Brazil, we have the cases of the Southern states of Santa Catarina, Paraná, São Paulo and Rio Grande do Sul. All of them very developed as compared to their neighbors (in terms of income, education, health, etc.), but despite all efforts, no one has successfully reproduced these islands of excellence at a scale that makes a difference.
4. An example will help to understand how superficial the cases are from a point of view of development and poverty eradication. The Brazilian case of "Casas Bahia" lacks the consideration of the socio-economic environment of the country, especially the case omits to mention key characteristics of the financial and credit markets (for those interested in this particular case from the point of view of business, I recommend you read "Samuel Klein e Casas Bahia: Uma trajetoria de Sucesso", Novo Seculo, 2005, this is a real and really impressive business success story). Mr. Klein successfully, by trusting the poor, built an empire that today is still one of the few option many mid- and low-income families have to buy the first computer for their children going to college in Brazil. But, let's see why the market share for credit cards is only 4%, and why it is not a real threat for Casas Bahia own financial system as stated in the book, as well as why there is not much in here to help eradicat poverty in Brazil. Annual inflation today in Brazil is in the order of 3-4%, and the Brazilian currency, the "Real" have been steadily revaluating against the dollar for the last 3 years. However, interest rates in Brazil are sky-high, a legacy of the hyper-inflation times of twenty years ago. Interest rates for well-known international credit cards are 9-11% per month, which compounded translates to an annual rate close to 180%, regardless of whether you're poor or rich. Today retail chain stores of this type charge around 3% per month, embedded in the price of the consumer products, so the consumer doesn't know up-front the real price. This translates to a compounded rate of 43% per year. Often if you try to pay upfront, there is no discount. So where is the real benefit for the poor? Or are they just getting every day more indebted, and spending money on fat interests that they could have used to buy more or better food or better health services for their kids. I do not see where poverty eradication fits in this case. Obviously Brazil has a problem of lack of real competition in the capitalist sense; even the branches of American Banks doing business in Brazil charge these exorbitant rates. As a reference for the readers, you can buy a 30Gb iPod in Brazil for the "reasonable" amount of US$1,000, payable in 12 installments, and for the high price we also have to thank the federal government high taxes on almost everything. Coming back to the case, as an additional "benefit", you only can make the payments in person at stores of the retail chain, just to make sure the poor are tempted every month and come back for more when they are close to payback that debt. That's why there is a 77% of clients who make reapeat purchases as the book reports. Not surprisingly the case description mentions the criticism "that Casas Bahia simply exploits the poor and charges them exorbitant interest rates", but neglects to present a due explanation of why this is not truth, and simply disregards the cristicism.
5. Finally, Mr. Prahalad is extremely optimistic. At he end of Chapter 6 and in his own words: "I have no doubt that the elimination of poverty and deprivation is possible by 2020". This prophecy speaks by itself about the reliability of the analysis. And again, let's remember that extraordinary claims require extraordinary evidence. All the book presents is anecdotal evidence, which is not proof as any scientist knows, and the framework presented has no predictive power, much less to assert that poverty will end by 2020.
Unquestionably an excellent business book, and a very innovative one, but just for that, business. That's why to me it only deserves 3 stars. On the other hand, not much value-added in there for doing real sustainable development across the board, as the author insinuates and some of the readers think, and certainly not much for real poverty eradication. For that outrageous addition to the book's title I took the other 2 stars. The "Erradicating poverty through profits" part of the book's title should be erased, so the book really deserves the 5 stars most reviewers gave to it (and as the previous reviewer rightly complained, the cases were really awfully edited for the paperback edition, even with repeated sentences). Definitely this book is not recommended if you are serious about new ideas for sustainable development. For a real book on that subject, read the recently publicated "The Bottom Billion: Why the Poorest Countries are Failing and What Can Be Done About It" by Paul Collier, though its scope refers mainly to very poor African countries, it is an example of a serious and proper approach to the problem of eradicating poverty. To understand the complexities of promoting development, you may also read "Making Globalization Work" by Joseph Stiglitz. These two books will clearly ilustrate why "The Fortune at the BOP" is not a book on development, and absolutely, no Nobel Prize is deserved.
Hardcover and tradepaperback are different!!!.......2007-04-13
Here is a note I sent to the editor after buying the tradepaperback version.
Your editorial staff has done something so dumb I am astounded! (Also really $%^& mad.) The hardcover and trade paperback versions of CK Prahalad - The fortune at the bottom of the pyramid, are NOT the same. I assigned readings from this book to my class of 100 students. They went and bought the book and found that the case studies aren't there. On closer investigation I see that you shortened the case studies and renamed the chapters. Unfortunately the editing on the shortening is terrible and I simply can't ask my students to read such badly written material.
You did several things wrong
1) You sell two books with identical titles and covers, which have different content
2) You edited very very badly
3) You did this on an award winning book with high visibility
As far as I can tell there is no way for anyone to figure out that the content is different except in the very rare case that they own both versions.
This is a black mark on the Wharton name. What were you thinking?
-james
at last a pragmatic approach to develpment.......2007-01-09
Prahalad'book "the fortune at the bottom of the pyramid" demonstrates the importance to get the people we are "supposed" to help to get involved. The bottom up approach is in line with William Shaffeerly and David Bornstein books where the people are key to any lasting development. The top down approach a la Jeffrey Sacks are fine for the politicians but did not bring much results after all these years. It is time for a change in approach and the Nobel Price to Dr. M.Yunus is very encouraging.
Magical .......2006-08-29
FBP is an intriguing concept and the model can be scaled up or down in size in all parts of the world. The book serves as a wake up call to businessmen across the world.
Book Description
Discover the tool that millions of people worldwide are using for guidance, inspiration, and help in finding answers to life's questions. now, revised and expanded to include eight additional cards, this unique and powerful divination system draws upon ancient wisdom and tradition to teach the healing medicine of animals. Medicine Cards and found its way into the hearts and hands of many, guiding the way to healing the body, emotions, mind, and spirit, and providing insight into and understand of one's unique purpose in life.
Customer Reviews:
Very grounded!.......2007-08-07
Excellent book. It has been a very good source in my spiritual work. Thank you Jamie Sams and David Carson.
Does this come with both the book AND cards???.......2007-07-07
Everyone seems to refer to the cards as well as the book. But according to the product detail, it only refers to the book. Please let me know whether this one (# ISBN-10: 0312204914 # ISBN-13: 978-0312204914; List Price: $29.95 Amazon Price: $19.77 ) includes the cards as well as the book. Thank you.
something about it.......2007-04-10
I use these cards often, along with Angel Cards and the Tarot, depending on the kind of help I need.
I have an affinity with them that I can't explain and I am always in awe of the answers I receive. The book is well written, there is no ambiguity and so I recommend it.
love new additions.......2007-03-31
I have used the medicine cards for years and love the new cards that have been added.
These cards are fantastic...........2007-03-12
If you relate to and care for animal life as I do then these cards will be a rich addition to your collection....I have them , use them and love them. They are great and you will learn much from them too. I recommend these to anyone that is searching and who relate well to animals and the creatures of this earth. Fantastic cards.
Book Description
Together in one volume for the first time, these are the classic texts that helped launch the modern Tarot renaissance. Often described as the Bible of Tarot readers, they bring awareness of myth and modern psychology to the Tarot's ancient symbolism.
Customer Reviews:
It's a powerful tarot reference no serious new age library should miss........2007-10-06
Tarot users will find SEVENTY-EIGHT DEGREES OF WISDOM: A BOOK OF TAROT a fine compilation of two previous volumes under one cover, joining THE MAJOR ARCANA and THE MINOR ARCANA in one revised, updated volume with a new introduction by the author. As such it's a powerful tarot reference no serious new age library should miss.
Seventy Eight Degrees of Wisdom.......2007-09-21
These days most anybody can do a tarot reading. There are literally hundreds of different decks all complete with canned readings for each card. In a way, it's rather like reading your daily horoscope as the results are rather generalized to match virtually anyone.
Definitely, not every tarot reader is equal in quality. The best readers go beyond simplistic generalizations. They not only tailor their layouts and reading results to match the individual but also look to the deeper meanings of the cards. These unique abilities are both invaluable skills and amazing talents.
Seventy Eight Degrees of Wisdom is a must have resource for anyone wanting to do real tarot readings. The author has an inherent ability to see depth within the cards that many need to be taught to notice. Within this book, she shares her valuable insights and urges the reader to follow suit. Originally this book was two books separating out the major and minor arcane. This new format brings these important references into one easier to access resource.
Rachel Pollack Fan.......2007-07-31
I have this in Part I - Major Arcana & Part II Minor Arcana
I absolutely love Rachel Pollack's work & this is no exception
in fact it is my all time favorite book of hers.... I find
it's down to earth, to the point at the same time I know exactly
what she means about a card.......
Worth the money if you want help interpreting cards & like me
favor her work.
A Must for all Tarot Book Collections.......2007-07-30
I was once asked: "If you could only own one tarot book, which one would it be?" The clear answer is Seventy-Eight Degrees of Wisdom by Rachel Pollack. I have also found that this classic book works very well for my beginning tarot classes at the local University. Despite the author's indepth treatment of the cards (see other excellent reviews), tarot beginners enjoy the comprehensive, classic and clear insights into the tarot and how to work with it.
I would also like to say that my beginning and intermediate students enjoy Rachel Pollack's spreads also because of their depth of meaning.
So I sincerely recommend this for all tarot book collections and for students of tarot.
A Classic! .......2007-04-14
This is one book that I can't recommend strongly enough, and one that I feel belongs on the shelf of every Tarot enthusiast. Using the popular Rider-Waite deck for illustration, this book contains essays on each card, covering all aspects of the symbology, as well as origins, history, mythology, and sociological, psychological, esoteric and religious implications. It's rare to say that a book on Tarot is a can't put down page-turner, but this one is it! I learned so very much from it, and use it as a reference to this day. Be warned, however, that this isn't a book that you would want to use to look up cards during a reading. Seventy-Eight Degrees of Wisdom is very well written and easy to understand, no matter what your level of expertise. Ms. Pollack has obviously done massive amounts of research and manages to convey a true love for the art of Tarot on each and every page, speaking to the reader as a patient, knowledgeable and wise teacher with years of experience. She also includes tutorials in the back of the book, covering such subjects as layouts, the Tree of Life, making a Mandala, and Meditations. On the whole, this is a wonderful, wonderful book and in my opinion, a classic.
Book Description
Praise for A MANIAC COMMODITY TRADER'S GUIDE TO MAKING A FORTUNE
"Kevin Kerr has the keenest instincts of any commodities trader I've ever met. His recommendations are money in the bank. This book is your passport to the exciting, frantic, frustrating, and potentially enormously rewarding world of futures trading. Do you want to make money in futures and options? Read this book and let a master show you not only how to trade, but how to trade to win."
—Sean Brodrick, Editor, MoneyandMarkets.com
"Any old trader can throw money into the commodity pits, although why do you think that they call them 'pits'? With Kevin Kerr as your guide to understanding the commodities markets, it is as if you have Babe Ruth as your batting coach. Kevin has that uncanny knack for doing things right, and the magic eye that can see the stitches on the fastball. Kevin's brilliant new book will help you to develop the ability to choose your pitch, and to swing at the ones on which you can make money. Before you play another inning of the commodities game, Read This Book!"
—Byron W. King, Contributing Editor, Whiskey and Gunpowder, www.whiskeyandgunpowder.com
Customer Reviews:
A truly awful book that entirely misses any potential audience.......2007-08-30
If you know anything about trading or commodities, this book will not enlighten you with any new insights -- and if you don't know anything about commodities, there are better introductions (actually, if you don't know anything about trading commodities, don't get started now: today's volatile markets are too treacherous for neophytes).
Introduction 101.......2007-07-28
This is an excellent book to begin with if you are thinking of dipping your toes into the commodities arena. The broad range of topics discussed will open the beginner's eyes to commodities trading.
However, I will recommend Jim Roger's 'Hot Commodities' for a more in-depth discussion on fundamentals and Jack Schwager's 'Market Wizard' series on trading psychology. Good luck!
Not sure who this book is intended for.......2007-06-27
He explains all the basics in the book, which seem to make me think it's for the newbie. But he doesn't get into details about cutting loses / risk management. He just says that we should and leaves it up to us to figure out how. And this book is too basic for the intermediate or advanced trader.
Kevin, you could have done better...........2007-06-10
I purchased this book looking for some insight from a long time success in the commodities markets; what I got was some boilerplate list of "do's and dont's" - - a few anecdotes (entertaining mostly) - - - and not much else.
This Kevin Kerr is one smart guy - - he just should have put a lot more meat on the bones in the whole effort.
Maniac Commodity Trader.......2007-05-16
A must read for all new-b's. I have made so much money I can't believe it. I keep it buy my side for reference.
Book Description
The dollar is in trouble. It has fallen against other currencies for the past three years, and now its orderly retreat could well become a rout. This spells potential disaster for the American economy—and potential riches for a few smart investors. In The Coming Collapse of the Dollar and How to Profit from It, financial gurus James Turk and John Rubino show how the dollar arrived at this precipice, why it will plunge, and how you can profit from the resulting financial crisis.
The U.S. today is the world’s biggest debtor nation, printing money with abandon to sustain the illusion of prosperity. The federal government owes $7 trillion and its debt is soaring. As a society, we owe more than $37 trillion, or about $500,000 per family of four. Our trade deficit with other countries is staggering, and to finance this mountain of debt we’re flooding the world with dollars. The inevitable result: The dollar will decline until it is displaced as the world’s dominant currency. Precious metals will soar in value, and gold will reclaim its monetary role at the center of the global financial system.
Traditionally a haven during times of uncertainty, gold has risen dramatically since 2001. By the fall of 2004 it was up by nearly 50
%, at over $400 an ounce. But this is just the beginning.
James Turk, a leading gold authority and the founder of GoldMoney.com, and veteran financial writer John Rubino, show readers how to capitalize on gold’s dramatic climb. In The Coming Collapse of the Dollar, Turk and Rubino reveal which stocks and bonds will falter as the dollar declines and why that decline is virtually inevitable. They offer strategies for using gold coins, gold stocks, gold-based digital currencies, and other hard assets to create a profitable portfolio. And they explain how to make the most of your gold and other precious metal holdings, identifying the opportunities and pitfalls of buying gold mining stocks and the mutual funds that invest in them.
America’s debt binge has put its economy at grave risk. The value of the dollar is falling; many stocks are once again wildly overvalued; and bonds, tied to an ever-diminishing dollar, are a disaster waiting to happen. By investing in gold and other hard assets, Turk and Rubino explain how you can protect yourself from these dangers.
The Coming Collapse of the Dollar and How to Profit from It is a must read for every investor, whatever the size of his or her portfolio.
For more information, visit
www.dollarcollapse.com.
Customer Reviews:
Ignore this book at your peril.......2007-01-11
Our financial survival and prosperity depend on properly structuring our investment portfolios. Can you afford to idly stand by and witness evaporation of the purchasing power of your dollar-denominated paper assets? It is still time to protect the remainder of your assets by converting much of it to the wealth of ages, gold. Gold is wealth in itself, independent of debt and empty promises. This is no idle speculation, this is a concrete actionable set of plans suitable for different individual situations. You could spend 20+ times more on a financial consultant and still not receive this vital advice. Do yourself a favor: buy, read and act upon this book. Then share the message with your loved ones.
Read it!.......2007-01-07
Another great practical book on economics and investing for the common man. I learned so much about how things are now in America from this book. I recommend it heartily to anyone who wants to know more about gold, fiat money, the mess this country is in, and the doom that awaits us.
Coming collapse of the $.......2007-01-06
awesome book...I read it right after "Hot Commodities" by Jim Rogers...awesome book as well...US has alot of problems with the greenback and its possible demise as the worlds reserve currency...Jim has been talking about this as well for some time and is certain that the US will lose this status as the govt. busily prints money at will....devaluing the $ and killing its value, creating the real inflation problem...the book is very comprehensive in its argument and insightful in its recommendations...fast read!
Good Introductory Text.......2006-11-11
Overall, the author presents the case for a dollar collapse in moderate detail. Using gold as a protection mechanism is also well laid out. For the novice in this field of investment, which seeks to understand major economically destructive change before it occurs, this book does lay out the potential dollar problems nicely. For the more advanced student, there is not much new information here.
Book review of the coming collapse of the Dollar..........2006-11-10
It was quite informative but since we are in late 2006 it was a little outdated as they are comparing Gold prices from 2 years prior. But it was right on the money because as of their writing this Gold did rocket up to $600/oz from $300/oz so they were correct in their analysis. Very good read. I recommend it.
Books:
- The Power of Impossible Thinking: Transform the Business of Your Life and the Life of Your Business
- The Private Life of the Cat Who ...: Tales of Koko and Yum Yum (from the Journals of James Mackintosh Qwilleran)
- The Simplest Path to Personal and Planetary Awakening, Step One: FREE YOUR MIND: 10 Keys for Unlocking Your Personal Potential, Achieving Spiritual Awakening, ... of Humanity's Ultimate Cosmic Destiny
- The Winner-Take-All Society: Why the Few at the Top Get So Much More Than the Rest of Us
- The Zombie Survival Guide: Complete Protection from the Living Dead
- Thinking with Things: Toward a New Vision of Art
- Three Cups of Tea: One Man's Mission to Promote Peace . . . One School at a Time
- Three Cups of Tea: One Man's Mission to Promote Peace . . . One School at a Time
- Uncle Bubba's Savannah Seafood: More than 100 Down-Home Southern Recipes for Good Food and Good Times
- Vamps and the City (Love at Stake, Book 2)
Books Index
Books Home
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- The Manager's Pocket Guide to Virtual Teams
- Magic Eye Gallery: A Showing Of 88 Images
The Real Estate Developer's Handbook: How to Set Up, Operate, and Manage a Financially Successful Real Estate Development With Companion CD-ROM
Campus CEO: The Student Entrepreneur's Guide to Launching a Multi-Million-Dollar Business
Do You!: 12 Laws to Access the Power in You to Achieve Happiness and Success
Reposition Yourself: Living Life Without Limits
Fearless Negotiating
