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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Ever wondered if games of chance can be deciphered? Could math be used to that advantage? To get exactly the numbers you need to win the lotto? You have played too many times by pure chance and instinct. How about applying a little bit of logic this time? Just to see if it makes a difference.
The Advanced Lotto Rotation System is a tutorial on how to break the code. On how to burst through the veil of unluck. Joseph Vlasic breaks down the whole system. He then proceeds to put everything together bit by bit as one looks on. This gives one an understanding into the game. Sort of like getting into the mind of the game.
This is a very short read. However, the writer has put everything down in very simple English. He does not leave the reader behind at any point. This is important as it will help one apply whatever they have learned later on. At the very beginning, you are asked to read and reread. You must follow this directive so that you can grasp every step of the exercise.
It is easy to lose focus and attention when dealing with so many numbers and confusing ideas. Therefore the author uses highlights and tables. These help the reader bring their attention back to the material at hand. It also helps you have a different view of the idea for better understanding and fresh perspective.
This book delivers some very interesting ideas on Lotto and games of chance in general. Although there could be some complex information delivered in such a small package, I felt the author gave each idea plenty of room to develop completely before moving on.
There are some minor misspellings and I felt the book could benefit from a brush over. Other than that it is an interesting read. It is compelling to see just how easy it could be to break games of chance. To bend them to your will. This book puts you in control rather than leaving it up to chance or sheer luck. We cannot all be lucky, can we?
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Brownout – 666 follows Rick in the midst of a struggle to find a way to live a normal life in a dark and unforgiving world. What was the inspiration for the setup to this intriguing novel?
My inspiration for the setup behind this novel primarily came from my sojourn in the Philippines spread over several years. I always told people that one day I would write a book about the country, its people and its culture and that I would call it “Brownout.” I added the “666” moniker to the title as any search under “Brownout” brought up thousands of books about electricity. As large portions of my novel were based on real events and people I could have written a nonfiction work instead. However, I didn’t want the potential for libel suits hanging over me so I chose fiction. The American and Australian settings of the novel came about as I wished to explore the socio-political ethos of those nations and their relationships to the bases of world power. I introduced the American setting as a subplot that tied up with the central one at the end.
Rick Daly is an interesting character that faces many challenges in life. What were some driving ideals behind his character development?
Some of the driving ideals behind the central character, Rick Daly, were related to sexuality and its abusive and non-abusive forms. As he matures Rick learns to become less selfish and earns some degree of redemption. Rick has been confused about Right and Wrong and gradually arrives at what he calls “the fair thing principle.” Rick grew up in the seventies and eighties in an Australia with a fairly aggressive sexual culture. An example of looking back at this culture from the standpoint of the present day is the internationally well-known podcast, “The Teacher’s Pet,” by Hedley Thomas of the newspaper, The Australian. Apart from examining a cold case disappearance and probable murder, the podcast looks into alleged teacher/schoolgirl sex rings at several high schools on Sydney’s northern beaches, one of which I taught at (Cromer High School). Rick loathes hypocrisy, the stupidity and gross unfairness of many authorities. Governments and courts often seem overly influenced by cultural and political fashion.
This novel expertly uses history to tell an engrossing story. Was history an important aspect for you in this novel or did this develop organically while writing?
As a former English and History teacher I have always been fascinated by History and its links to the present day. The changing attitudes to sexuality throughout historical and contemporary periods necessarily came to the fore as Rick becomes caught up in them.
I have long been a student of the Holocaust and the Third Reich and, as history is always written by the winners, I appreciate how difficult it is to arrive at even an approximation of the objective truth. While in no way do I condone the many crimes of the Third Reich I find myself bemused at how any attempt to examine this era can so easily be shouted down if it differs ever so little from the official version. The Holocaust was a terrible event but it is no more sacred than are the other mass killings or genocides that occurred before it or since.
What is the next book that you are working on and when will it be available?
In addition to this novel, I also have a published work of non-fiction about child loss and grief. It is called, “Waiting for a Miracle – Life in the Dead Zone.” As for my next book, I haven’t decided whether to work on another novel or non-fiction piece. In either case it won’t be available until next year at the earliest.
In the land of flaunted sex, money, and flexible rules, an ambitious but lonely Rick Daly faces his demons.
Rick Daly has established a business in the exotic surroundings of the Philippines, while simultaneously discovering Marilyn Delgado, the woman of his dreams.
However, a clash of cultures and his own naiveté lead to disaster. Falsely accused of a sexual crime, Rick loses both his freedom and his business. To add insult to injury, a prison escape merely amounts to switching jails.
In a world where the rich prosper, honest individuals are forced to the wall, and a cynical disregard for all but the dollar is destroying society from within, crime soon follows punishment for Rick. Close to losing his soul, will Rick’s ultimate success in drug and arms dealing finally lead him to face up to reality?
Posted in Interviews
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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.
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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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Follow George after he makes the decision to become his own boss running a small boat. Follow him through the tumultuous journey that leads him to eventually hand over reigns of a successful fleet of liners. We get to see the change in his mindset from worker to supervisor and finally, owner. It took strength, wisdom, knowledge and lots of other things. This is the story of a small business growing into a conglomerate, from a toddler to a fully legal human being.
According to research, only about half of the business started will still stand strong in five years time. This is quite sad for a world where entrepreneurship is highly encouraged. This book is meant to decrease this percentage. One will learn to grow their business from a period of feast and famine to a period where the business comfortably stands on its own, where the welfare and life of the business are not threatened by regular/normal business occurrences. Like a windfall of clients for example.
According to Ray Moore, one should not wait until the growth occurs. They should anticipate it. To successfully go through these growth moments, one requires a vision. They must also keep the business in balance. That is time, team, delivery and money. They must all be applied in appropriate proportions. One must set out the stall for growth. Managing the mindset is the final condition.
This is a short book, that means that the information is presented in a compact package. The whole book is presented as a metaphor. This makes the book highly appealing. It is useful even for those who do not like or have the time to read. It is sober advice from an experienced person. It is advice that actually makes a lot of sense. The steps and tips are easy to follow and understand. One thing that readers will definitely appreciate is that the author does not use complicated business words. He shows the reader how to manage a business without confusing them with difficult economic jargon.
The author outlines the common mistakes entrepreneurs make. He shows what happens to the business after the mistakes are made. He then turns around and outlines the proper way to handle such turning points so that fatal mistakes are not made.
This is a fantastic business guide that provides an easy to understand road-map for getting from a small flailing venture to a successful business. Regardless of the goal, it can be achieved by following these simple directions. Five stars out of five for this crash course in entrepreneurship.
Pages: 52 | ISBN: 1721213287
Posted in Book Reviews
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Life is not meant to be a straight and smooth road. It is always inspiring to meet someone who has survived the obstacles from travelling a long and bumpy road. Tariku Bogale is one such person. He is not shy about letting the reader into his world, about letting the reader see the great, the bad, and the downright dirt. He is honest and transparent. His narration of his life is colored with moments that should be embarrassing but in retrospect are quite significant to the man he is today.
Unstoppable: Challenge Accepted chronicles the life of Tariku Bogale. He talks about his life as an abandoned child all the way to the glamorous city of New York. He talks about his journey from a self-reliant 8 year old with barely enough to get by to a global business mogul renting high end New York residences. He talks about his roots. They are quite weak to begin with but they become stronger as he grows up. His resolve is seen from an early age when he brings his mother to live with him regardless of his father’s wishes. He faces and survives heartbreak before the age of fifteen. It does set him back a little bit. A fact he is not afraid to disclose but he gets up and dusts himself off anyway. As he says, there were angels at every point of his life. The kindness of strangers has helped him a great deal. It is admirable that he has chosen to credit them where necessary.
This story is wonderfully told. The author is looking to show the struggles he has been through on his journey to the man he is today. It is well written. It is thrilling and interesting. Often, we look at successful people as super humans but this story confirms that they are mere mortals just like us. They make mistakes and bow to urges just like us. It renews the reader’s courage and motivation.
The author has a proper grasp of the English language. He understands the nuance of storytelling and applies it quite effectively in this book. This story is captivating and vivid. However, there seems to be large chunks of the story missing, chunks that would have contributed to the value of the story. The book could use a brush over from an editor. However, that does not quite take away from the inspiring quality of the story. It is still a great story.
Tariku Bogale is an inspiring man. He tells this book in a semi-casual way. One will probably be able to take more out of it than if it was told in a formal demeanor. The author’s life story would make a good movie. Very dramatic. But then, what is to be expected considering the meaning of his name.
Pages: 234 | ASIN: B074HGR6LD
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This book is for anyone who aspires to establish a distinct presence with long-term product consumers. The Agile Brand: Brand Creating Authentic Relationships Between Companies and Consumers gives you a deeper understanding of the consumer, sales, and marketing sector. Divided into three parts, the author starts the book by highlighting the basics of brands. Simple questions like what branding is, why we do branding and what makes a brand successful are lucidly answered to the satisfaction of any new comer to the field.
One of the many things I learned from this book includes the need to have your audience understand how your brand is pronounced. People tend to obliviously mispronounce some names. The author made a table with some brands like IKEA, Adidas Hermes, and Porsche. He noted how a majority mispronounce the names and listed the correct pronunciation. He emphasized that having consumers mispronounce your brand may have them misunderstand the attributes of your company.
Your brand is more than your logo, Greg Kihlstrom says. He goes on to advise those who are new to branding. The author mentions the use of social media and digital advertisement tools and how important it is for the brand to build a solid bond with the target audience. On making a brand successful, the writer lists three easy methods to determine the success of a brand. Substance, focus, and relevance are the basic methods of evaluating how good or bad a brand is.
The book is filled with nuggets of wisdom. If you want to build a brand that will leave an impact and paint a permanent picture in the consumer’s mind, then you need this book. The Agile Brand provides great learning material for marketing students, with notes written by the author coming in handy at some point in their career.
While reading through this book I felt as if I was in a classroom with a competent teacher you are begging to glean wisdom from. The book is truly educational. Brand-pushers will definitely find the text in this publication useful and will apply the lessons learned in their daily businesses. What I really enjoyed about this book was that it was concise. Many books of in this field will happily fill you with fluff details, but Greg Kihlstrom keeps his focus and gets to the point.
One thing that stood out from this book is the author’s need to mention real companies when expounding. Companies like Dominos, Starbucks, and Lowes Foods are given as examples when talking about changing the messaging while still maintaining success rates. Greg Kihlstrom clearly explains why the said brands changed their slogans at some point, and how it worked for them. Here the author enables the reader to understand that there is no loss in changing slogans, as long as your packaging as a brand is up to standard.
Be sure to grab a copy of this book, as there is so much you will learn. The book is especially recommended to newbies in the branding and marketing industry, as it will help you grasp the basic concepts of advertisement in the modern world.
Pages: 186 | ASIN: B07CV4M8WH
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