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, by Erik Wecks
Free Ebook , by Erik Wecks
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Product details
File Size: 2931 KB
Print Length: 192 pages
Simultaneous Device Usage: Unlimited
Publisher: Erik Wecks; 2 edition (March 8, 2012)
Publication Date: March 8, 2012
Sold by: Amazon Digital Services LLC
Language: English
ASIN: B007IUGLYO
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Amazon Best Sellers Rank:
#9,987 Paid in Kindle Store (See Top 100 Paid in Kindle Store)
I must admit the candor in ths authors book is refreshing. Erik doesn't claim to be perfect, in fact, he is still fighting to keep his house. So what can you learn from this book that you can't learn from Dave Ramsey's? Instead of building vast amounts of conspicuous consumptive wealth, Erik Wecks advises us to use our money to make statements about our values. If you are tired of keeping up with the Joneses, and you dont need a Beemer, Louis Vuitton wallet or a Burberry trench coat, think about how and where your money can serve you best. Erik does credit Dave Ramsey's Financial Peace University for opening his family's eyes to zero balance budgeting, calling it "sexy!" But, this book is not a repeat of Ramsey's books. Inside you will learn how banks con us into debt, with home equity HELOCs and high interest credit cards, and how to simply say, I'm tired of this, I can think for myself, and just say no. Say no to staggering interest rates and pay off your cards. This book was right on target about how we as a nation have contributed to our economy. It's not just the banks and the government, people, it's us, too! I just bought a beautiful house, paid cash , i am mortgage free and I applaud the plan in Erik's book, as it worked for me, and it can for you, too! Say no to status consumerism and say yes to really owning what you love and buy. Bravo, Erik! I'd give this six stars if I could influence all debtors to read it.
So far I've read several books about personal finance and they seemed to focus more on getting rich, as if thats everyone's primary goal. Erik's book spent a lot of time dealing with how to survive the day to day life of being in a bad financial situation, and I could really relate to that. If I end up rich later in life great, but right now I need to get my finances in order and this book helped with that. I've already recommended it to some friends, and I certainly think it worth the time and money.
Like a lot of Americans in their late 50s, I took a deep pay cut after I was downsized from my job of 20+ years and finally got another job. I’m talking making about 50% less than I did at my old job. (On the other hand, the old job was at a poorly managed toxic place that would have eventually killed me, and the new job is at a positive, stable, fun, well managed organization I want to work for forever.) My new employer offered a Dave Ramsey course, and I signed up but didn’t get much further than Baby Step 3. The Ramsey course turned me off—it felt hyper religious and a little embarrassing at times, like being yelled at by your 6th grade phys ed teacher for not being able to run 600 yards. Weck borrows Ramsey’s solid principles and makes them palatable. Finally I feel as if I have a way out of my crushing credit card debt. His writing is engaging and encouraging and a little self deprecatingly humble, and never, ever dull. This is without a doubt the best, most practical financial planning book I’ve ever read. Even if you make $350k plus a year, you would profit by following his principles. And most amazingly of all, Weck makes reading this information a pleasure, not a chore. Thanks, Erik!
This might not work for others, but I found this book to be EXACTLY what I need to start getting my spending under control. I recently retired and am living with reduced circumstances. I have been finding it far too easy to keep spending money as if I still had it. This book provides a way of doing a personal budget that actually makes sense to me. I can have enough flexibility to have the things I really want when I cut out the things that don't really matter. It provides a way of looking at the things I automatically spend money on to try to see if there are better ways of getting what I want. I can do things in ways other than the way I have done them always that provide as much as or more pleasure with much less cost. For example--instead of asking friends out to lunch, I have repainted old lawn furniture and have started having friends over for coffee. It's much more enjoyable and better fits a reduced income.I particularly like the example of a dentist and his assistant who had very disparate incomes, but showed how the assistant actually was living better than her boss. That really made me think about the times in my life that I had a big income but wasn't living very well. I was making many of the same mistakes that the dentist was. Where was this great little book then? Would I have paid any attention to it then?The focus is not on doing a budget once and disparing when it doesn't work. A budget is a work in progress and provides a fresh look every month with a fresh look at expectations.I am grateful for this realistic way at looking at handling money. It is not a complete book of personal finance, saving and investing. It is just a look at how to handle what one has when that isn't all that much.
Good book of financial advice. Wecks gives practical advice on how to change your thinking about money and how to create a budget that you will really stick to by making it your own. The book is funny and down to earth, making it a much easier read than many others on this topic. It is easy to understand and follow his principles and they are applicable to those with some debt and financial problems as well as those who are barely making it financially. He gives a lot of basic advice and really works hard to make consumers understand how debt and credit cards are not always your friend, despite how easy they are to use. Wecks also does a great job in clarifying needs and wants- something all of this in Western culture can use to review every now and again. I definitely found myself asking- 'Do I really NEED....' in thinking over my own finances and budget. Overall, a good book to help you get a handle on your finances and budgeting from a basic perspective.
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PDF Download Bradt Namibia (Bradt Travel Guide), by Chris McIntyre
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Bradt Namibia (Bradt Travel Guide), by Chris McIntyre
PDF Download Bradt Namibia (Bradt Travel Guide), by Chris McIntyre
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Review
‘Best guidebook.’ The Sunday Times ‘By far the most thorough and informative.’ Travel Africa ‘Provides in-depth information.’ BBC Wildlife ‘Travelling independently to Namibia and exploring some of the remoter corners of this fascinating country by 4x4, we came to depend on the Bradt Guide. This was especially the case when we ventured into Bushmanland in the north east to visit the remote Khaudum National Park. Arriving late into Tsumkwe and unable to gain access to the lodge, we were forced to drive hard up the sand tracks into the gathering gloom, eyes glued to the GPS and totally reliant on the coordinates thankfully detailed in this comprehensive guidebook. We toasted Chris McIntyre with a few beers when we finally arrived at the Sikerti Camp!’ Exodus
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About the Author
Chris McIntyre’s first trip to Africa was in 1987. He taught in Zimbabwe and is now managing director of specialist tour operator Expert Africa and the author of Bradt’s Botswana, Zambia and Zanzibar.
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Product details
Series: Bradt Travel Guide
Paperback: 560 pages
Publisher: Bradt Travel Guides; Fourth edition (April 12, 2011)
Language: English
ISBN-10: 1841623350
ISBN-13: 978-1841623351
Product Dimensions:
5.2 x 1 x 8.2 inches
Shipping Weight: 1.4 pounds
Average Customer Review:
4.1 out of 5 stars
27 customer reviews
Amazon Best Sellers Rank:
#1,663,272 in Books (See Top 100 in Books)
we have yet to arrive in namibia; we ordered the bradt guide after reading numerous reviews of travellers in order to prepare for our trip. this will be our first trip to africa, and it's turned out to be quite difficult to plan and to understand just what is going on, what needs to be reserved in advance, what things really cost, and where we'll be happy going/staying. after our first thorough reading of the guide (as well as reading online forums) we were able to make our decisions about accommodation and vehicles, and now we're reading it again to plan the content of the days themselves! we were happy that so many reviewers recommended this guide since we have travelled with a bradt guide in albania and it was wonderfully helpful. i feel that only with a guide book can i get a real overview of a destination's travel potential and compare destinations within a country, something that online travel sites and forums provide only piecemeal - they're too specific for someone who as yet hasn't a clue.
I have bought earlier Guides in this series on Namibia ; Editions 2, 3, and now the 4th.Each is better than the one before with updated information. Edition # 4 is now my "bible" for Namibia. I rely on these guides completely and after FIVE trips thereI have yet to get a "bum steer" from these Bradt guides by Chris McIntyre.I recommend the guide highly for anyone traveling to Namibia
Bradt Namibia and Botswana were two of the best, most informative, incredibly useful guidebooks I've ever had to any country. On a self-drive, self-planned safari, the two of us alternating reading its chapters, sometimes out loud to each other, that were not just of great practical value, but also on the behavior and habitat of wild animals, as well as safety information for humans around them.
Africa needs to be "experienced" as well as read about, & this book helps you do it even before arrival...Have been to Africa 3X and have used various guide books. This is one of the best--great maps, well-organized, excellent color pictures. Good whether you are going on an organized tour (which we are doibng to Namibia) or doing it on your own (have done this 3 other times). Per all reports and pics, Namibia is a fantastic & underappreciated part of this continent.
Seems to be a good guide book providing up-to-date information on the country and getting around in the country. Will know more when we actually travel to Namibia.
I planned to travel to Namibia in 2012 but only got as far as South Africa. I looked through this book and could tell it will be helpful when I finally travel there.
As we have not been to Namibia before,we needed to do some pre-reading as well as have a guide to the cities and game parks while we are there.
This guide is a detailed and comprehensive review of Namibia as a tourist destination. I am only partially through it but already it is worthwhile reading. I had thought that the guide would have had more colour plates on some of the scenic spots and major attractions.In all the Bradt Namibia guide was a good purchase to prepare for a trip to the country.
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Free Download Rio de Janeiro (National Geographic Destination City Map)
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Rio de Janeiro (National Geographic Destination City Map)
Free Download Rio de Janeiro (National Geographic Destination City Map)
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About the Author
Founded in 1915 as the Cartographic Group, the first division of National Geographic, National Geographic Maps has been responsible for illustrating the world around us through the art and science of mapmaking.Today, National Geographic Maps continues this mission by creating the world's best wall maps, recreation maps, atlases, and globes which inspire people to care about and explore their world.
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Product details
Series: National Geographic Destination City Map
Map: 2 pages
Publisher: National Geographic Maps; 2015 edition (October 6, 2015)
Language: English
ISBN-10: 9781597752039
ISBN-13: 978-1597752039
ASIN: 1597752037
Product Dimensions:
4.2 x 0.2 x 9 inches
Shipping Weight: 1.6 ounces (View shipping rates and policies)
Average Customer Review:
2.9 out of 5 stars
7 customer reviews
Amazon Best Sellers Rank:
#1,140,772 in Books (See Top 100 in Books)
Good material - waxy, hard to rip, waterproof (all good to have in Brazil)\ but also difficult to write on. Like any map, not extremely intuitive to re-fold once its open. Very clear with street names and landmarks, however, which came in very handy when using buses and cabs driven by Portuguese-only speaking natives.
The map was in Portuguese. I just went back and read the description (which is in English) and it never mentioned it. I'm sure someone from Rio who bought this map would love it.
Having a big awkward folded paper map is not convenient to use on a street corner, but OK to peruse back in my room. I was staying in a remote area of the city (Barra Beach), so it was helpful to have this street map that covers a majority of the metropolitan area. The laminated city maps, while more convenient to use, didn't extend past downtown and the more popular beaches.
Good quality map. Could be folded repeatedly without tearing.
What a crappy map, doesn't show where all the Olympic venues are in city. Shows maybe a 1/3 of city. Useless, wish I wouldn't of purchased.
This map was useless and only covered a small area of Rio
good quality
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