Mark Lazar has written a book that will help readers get to be more financially literate and plan their finances better. Mark Lazar discusses different ways of making money, how best to spend money and why it is crucial to have a savings plan. With this book, you will learn how to properly manage your finances and have some extra cash after you have paid all the monthly bills.
The methods Mark Lazar gives in the book have been tested and proven to be effective. The author talks to his readers on a personal level, letting them understand where he comes from and his concept. Pathway to Prosperity: Your Guide to Money and Economics gives readers knowledge on basic financial skills and then gradually introduces readers to deeper and more complex topics. Reading about finances never felt this fun before. The reader gets a balanced view from the author as they read every new chapter. Mark Lazar is great at explaining stuff. He explains well the most complicated topics to the understanding of the average reader.
I enjoyed the text in this book because Mark Lazar is not too extreme with the advice he gives. He does not tell the reader to live like a miser or a pauper, you have the money? Spend it. He advocates for responsible spending of what you earn and thinking of the future. The author uses examples from his experiences; shares lessons learned and gives practical direction. Every topic in the book is significant and well researched. Reading Mark Lazar’s book will open your eyes to a lot of things and not just money and building wealth.
Pathway to Prosperity: Your Guide to Money and Economics provides practical advice that the average person can put into action right away. The tips provided are prudent and explained in easy to understand terms, both in how to implement the action and why it is beneficial. Mark Lazar provides clear guidance to help readers achieve prosperity.
Pages: 241 | ASIN: B08K2ZMF2Q
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In The Nature of Nature: Why We Need the Wild, Enric Sala talks everything nature and discusses conservancy, the importance of protecting the planet, and living responsibly. Having been a marine biologist for decades, Enric Sala pulls from years of experience to provide a sharp and informed perspective on the environment and how man has managed to drastically change nature. As he discusses the wild, animals, plants, and every living thing, one can tell how passionate Enric Sala is about the subject. The agony in his words when addressing the destruction of nature, the joy in his tone when he discusses conservancy and how to preserve the planet’s endangered species makes one fall in love not only with the book but also the work the author has been doing over the years.
Through the lessons and Enric Sala’s stories about his work and personal life the reader is exposed to a world that is so vital to us, yet nebulous. I enjoyed the experiences Enric Sala shared about his line of work. The stories the author gives are eye-opening and will leave you feeling informed about the role humans play in destroying flora and fauna. Not many people get to witness directly how human activity affects animals both on land and in the sea. Enric Sala shares this reality through simple and engaging language that kept me rapt.
Readers will learn a lot about the value of saving the environment and how politics, the economy, and other sectors are affected when the environment is destroyed. Through this book, the author encourages everyone to be an environmental activist in little ways. Modernization and civilization have led to an increase in air pollution. To control this, the author encourages people to adopt new lifestyles and engage in activities like tree planting and cleaning the environment to ensure that the air we breathe and the water fish swim in is not harmful.
The Nature of Nature: Why We Need the Wild comes at a critical time for the planet and should be essential reading. Enric Sala has written a thought-provoking book that distills complex ecological concepts into easily understandable ideas that could save the planet, improve your health, and strengthen the economy.
Pages: 272 | ASIN: B08273CTZK
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Managing money is a complex problem. On one hand, you want to spend money on all sorts of snacks and random things whenever you want. On the other hand, you want to save some money for a rainy day and to take investment opportunities when they arise. Martin Godfrey Legido has used his experience and expertise to provide the reader with insight and advice so that people can properly manage their money and wealth. So that one can make timely investments and be frugal. Your Wealth Starts Here offers a roadmap to financial stability.
Martin Godfrey Legido has all the knowledge a reader needs to take control of their financial situation. He consolidates his knowledge in this insightful book and shares the information with simple language. Many finance professionals will use difficult and industry-specific jargon. However, Martin Legido realizes that a majority of those who read this book are not in the industry and will, therefore, be distracted by those words. That is what makes this book so easy to understand. The author weaves language in a way that just makes all the money talk more interesting to read. This book makes for a fun ride in the world of wealth and money management. With all that simplicity, this book is all about being a shark. It is about being a cutthroat money manager with all sorts of clever tips for wealth management.
Your Wealth Starts Here is not just for the person who already has money and is looking to manage it properly. It is also for the person who is currently in a financial hole and would like to get out of it and stay out permanently. This book is like a wholistic guide to money and financial stability. It teaches you how to have a detached view of your financial situation. Looking at your money from different perspectives gives you fresh ideas and thoughts on how to handle everything. The author also touches on personal attitudes and beliefs. This is perhaps one of the most important things. Your attitude towards life matters in every aspect.
Many people struggle with handling their money. This is especially true of people who have just gotten their first jobs. They struggle with having to be responsible for their own safety net. Many often stumble at this stage and will have to start from the bottom. Luckily, financial discipline can be taught and there is no one better suited to teach you than Martin Godfrey Legido and his book.
Pages: 180 | ASIN: B07KGQLRGL
Mutual Funds takes an in-depth look at mutual funds, its composition, and it’s strengths as an investment. What inspired you to write this book?
I got inspired to write my third book buoyed by the success of my first two books and few questions raised by my friends and fans about investment in mutual funds such as how to invest, where to invest & when to invest.
I have emphatically conveyed through the book that every individual has the potential to make concrete decisions and the relevance of focusing on specific goals to achieve them in time by investing in mutual funds. The key objective of my new book, “Mutual Funds: A Powerful Investment Avenue for Individuals” is to advise people on how they can create wealth by making meaningful decisions in their life investing in different mutual funds: Large-cap funds, Multi-cap(Focused) funds, Mid-cap funds, Small-cap funds, Hybrid funds, and debt mutual funds.
What is a common misconception you feel people have about mutual funds?
Misconceptions about mutual funds may be two types:
- People do not know the structure, types & composition of mutual funds and its regulatory system.
- Lack of knowledge about the capital market and mutual fund products adversely affect their mind that invested money will erase in this market, and they never get good returns on their investment due to the high subdued market. The concept is purely a wrong perception & misconception.
You have 27 years of experience in personal finance. How has your experience helped you write this book?
I have 27 years of experience in the field of Finance and Accounts in a leading Public Sector Company in India & abroad. So far as personal finance is concerned, my interest in this field and my educational qualifications help me to write all three books. On the other hand, my friends and fans persuade me to write this complex subject in a very simple way so as to they would take the benefit for the same.
What do you hope readers take away from your book?
This book dedicates to young India, including my son & daughter. Equity is an asset class, which generate handsome returns over the long-run. The book contains so many hidden secrets, strategy in the investment, and magic formula of compounding, which induce the prospective investors & readers to purchase this book either kindle edition or paperback. The cost of the book is meaningless for readers as this book will change their life, fulfill their dreams, and brings their goals into reality and make them financially sound over the long-run due to value-based investment.
A renowned financial expert, R K Mohapatra has a vast experience of 27 years in personal finance and retirement planning across various investment products, analysis of mutual funds, cash and wealth management. The book, “Mutual Funds: A Powerful Investment Avenue for Individuals” is ideal for investors who are looking for a deeper understanding of mutual funds; benefits of investing mutual funds: equity, debt and liquid funds; the cost of investment and its risk & returns. This comprehensive handbook from the author outlines the details of mutual funds, its composition, and the operational and regulatory mechanism, which enables the common man to invest his hard-earned money to achieve specific goals. It helps investors select appropriate mutual funds with risk and return which is suitable for their goals. The author’s wide experience of personal and retirement planning helps readers understand the subject easily and enables them to manage their hard-earned money in a disciplined manner by investing in various categories of mutual funds: large-cap funds, multi-cap funds, mid & small-cap funds, interval funds, hybrid value funds and debt funds through SIP route in order to maximize their wealth.
Private Money Lending is a comprehensive book that details the different ways someone could make money from their investment in private money lending. What were some key ideas you wanted to pursue in this book?
Every investor should know that learning to generate a consistent, substantial, and predictable passive income stream sufficient to cover your total monthly expenses is the ultimate goal for anyone who wants to retire early. In fact, creating a safe and consistent passive income stream is considered the ” Holy Grail” of personal finance.
My objective in writing this book was to present to potential readers the existence of a little-known but crucial area of investing. This area of investing is private mortgage investing. What makes this investment vehicle safe is the fact that the investment is guaranteed by a tangible asset, brick, and mortar, such as a house or a commercial building.
Under a worth case scenario, a real estate tangible asset will always retain a certain amount of value, which it’s something that can’t be said for stock market correlated investments that can simply evaporate overnight based on bad news. Therefore, the important aspect of investing in private mortgages is that it is a non-correlated market investment that works under all market condition.
Private Money Lending is the only book on this topic that is based on a university-level qualitative research study. The study demonstrated the power that private mortgage investing has in generating a safe, substantial, and consistent passive cash flow under any market condition. This investment can generate a 9%-12% return on investment (ROI) safely in addition to providing all the legal protections a first mortgage provides banks.
Typically, investors learn about this investment vehicle by happenstance; that is, by knowing someone who is a private lender and understands all the nuances of this type of investment and who is willing to teach someone else the concept. Private mortgage investing is an especially useful investment vehicle in low-interest rate environments, such as the current market we have been experiencing for the past 12 years, where you can only receive 2%-2.5% for a 1-2 years CD and 3% for a 5-10 years CD. These low-interest rate environments are always devastating for the retired or soon to be retired individuals living on a fixed income. There needs to be a safe alternative, and private mortgage investing meets this requisite.
I believe that with the use of the book Private Money Lending: Learn How to Consistently Generate a Passive Income Stream as a guide any potential investor will no longer have to learn about this investment vehicle by happenstance.
What is your experience in this field and how has that helped you write this book?
I learned about private mortgage investing by happenstance like most people back in 1992. Thus, since 1992 (27 years) I’ve been safely investing in private mortgages, specifically in commercial and residential non-owner-occupied properties. As a result of learning about this investment vehicle, I no longer invest in the stock market because I can safely and consistently generate double-digit returns with a higher degree of safety.
There are many different investment opportunities out there, why did you want to write about private money lending?
I wanted to write about private money lending with an emphasis on private mortgages because I believe this is an investment vehicle that can generate the necessary cash flow to sustain a comfortable retirement with much less volatility and risk than with stock market correlated investments.
Yes, there are many different investment opportunities in the market, however, the majority carry too much risk. At least for my taste. The approach I use in this book was to first describe the advantages and disadvantages of the majority of available market investments before making the case of why I consider private mortgage lending a superior investment vehicle.
If you are an investor searching for a safer way to invest you should ask yourself three questions:
- Would you like to generate a passive and meaningful income stream in all market conditions?
- Would you like to generate this income stream consistently?
- Would you like an alternative with less risk than investments subjected to the volatility of the stock market?
If your answer to at least one of the three questions is “yes,” then reading this book will not be a waste of time or financial resources for you. In fact, learning about this investment strategy will change your financial life for the better.
What are some common mistakes investors make when they first start?
For investors entering this industry, the most common mistake is not possessing the necessary education to be safe.
It is important to learn how to perform the necessary due diligence regarding the loans that you will be considering.
It is also important to physically inspect the quality and location of the properties under-consideration to ensure a safe loan. Investors should never make any loan simply because of the high returns they can garner.
- This book is an important and timely research study that explores a little-known area of investing, which is that of private mortgage lending. The reason for undertaking the study was twofold; reason one is because, for the past 15 years, retirement portfolios had been devastated by stock market fluctuations, resulting from a greater prevalence of boom and bust economic cycles. It is quite possible that currently, another bust cycle might be unfolding, in spite of the Trump apparent bull market.
- The second reason is that of the adopted Federal Reserve policy of creating an artificially low-interest rate environment in an attempt to sustain the continued growth of the stock market and support of the current real estate recovery efforts.
- These two economic conditions primarily affect income investors because of the low yields being offered by the customary available fixed-income investments, such as bonds, CD’s, savings, and money market accounts (MMA). The combination of a reduced interest rate environment and increase stock market volatility has dramatically impacted the livelihood of the fixed income investor. Moreover, it has forced these investors to take greater levels of investment risk by incentivizing them to seek higher yields by investing in the stock market; in essence, the place that has created most of their financial problems.
Posted in Interviews
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Private Money Lending: Learn How to Consistently Generate a Passive Income Stream by Gustavo J Gomez, Ph.D. and published by Halo Publishing International is a wonderfully comprehensive book that does well to cover all the various of areas of private money lending that one would need to know to successfully generate a passive income from their investments.
The author of this impressive work, Gustavo J Gomez, Ph.D., has gained notoriety in several fields including medical and business and has successfully brought all his years of experience to the table with Private Money Lending: Learn How to Consistently Generate a Passive Income Stream.
It becomes immediately clear as soon as you open the book that this is not a book meant to be casually read. Although the language used in its writing is accessible, the depth of knowledge within the chapters is nothing short of vast. It is also immediately clear that Gomez wants his reader to understand the entire picture, and not just one small corner of the world of investments. In fact, he gives enough information about the market to help almost anyone see how his unique investment strategy can be applied to almost any scenario.
Gomez begins with a wealth of information relating to investments of all kinds, both liquid and illiquid. He then goes on to both define and describe methods of investing in private mortgages before giving information about legalities surrounding the topic. Any reader of this book, no matter how much previous knowledge they have about the mortgage industry, will gain a comprehensive understanding of all that is involved with private money lending as it applies to the mortgage industry. Among the myriad lessons on the topic, the reader will also learn best practices for maintaining investments in a safe, secure, and legal way once they are set up.
Private Money Lending has won a laundry list of impressive awards due to its excellence, and it is easy to see why. For anyone looking into securing stable, passive income options that work, Private Money Lending: Learn How to Consistently Generate a Passive Income Stream by Gustavo J Gomez, Ph.D. is a must read.
Pages: 375 | ASIN: B00Z8U3FWM
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In The Decline of Democratic Society in the New Age Giovanni delves deep into the failures of the US government since 2007 and the international effects of these failures. It has been a decade of relentless borrowing to cover ups economic gaps. No real steps have been taken to pull out of this hole.
In these times of confusion over politics, finance, economy, and social status, one needs a guide. Something to help understand the detriment of the decisions made by the governments. There is need for a collective uproar against fascism and other social injustices. This book is an essential tool for the awakening required to start the discussion.
The Decline of Democratic Society in the New Age is a critical analysis riddled with intellectual argument of the world today. It covers every facet of life. There are frequent references to Hitler and his leadership ways. This is meant to illustrate the slow decline into a fascist society where the governments deviate from the responsibility of protection of its people.
Giovanni Soriano does a great job of laying out his ideas and arguments without aggressively pushing his agenda. This book is very thought provoking. One will often find themselves pausing to agree to the ideologies. It is a vast subject matter presented in a simple format that appeals to people in all walks. This book is an eye opener.
If read with an open mind, this short rational analysis of the different societal factors will help start a conversation that is well overdue. The book and ideas presented are controversial and will leave one disconcerted; having had their eyes opened to the realities.
There is a good flow to the book. One will easily glide through the pages. The writing is good and the ideas quite interesting. The language and tone are simple. The author takes on a serious voice, which is apt for such serious matters.
Giovanni opens with some very shocking numbers that effectively communicates the severity of the situation before one has gone any further. The author is well informed and intelligent, which lends depth to his content.
This book is impeccable and the authors passion clearly shows. It is a treat for free thinkers and others who have previously been deaf and blind to the current political and social situations.
Pages: 95 | ASIN: B078NY51G3
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Secretary of State and State Librarian Recommended children book ” Save That Penny For A Sunny Day”, educates, inspires and introduces youth to understanding entrepreneurship, finances, and budgeting to promote financially healthy youth for generations to come.
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