Greenspans Bubbles The Age of Ignorance at the Federal Reserve

Greenspans Bubbles The Age of Ignorance at the Federal Reserve

No matter who you are-investor, trader, homeowner, 401(k) holder, or CEO-you are bound to feel the impact of Alan Greenspan’s �Age of Ignorance� for years to come.

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According to MSN Money columnist William A. Fleckenstein, Greenspan’s nearly 19-year career as Federal Reserve Chairman is even worse than anyone imagined. Labeled �Mr. Bubble� by the New York Times, Greenspan was nothing less than a serial bubble blower with a long history of bad decision-making. His famous �Greenspan Put� fueled the perception of a Goldilocks economy-but, as this explosive expos� reveals, the bear has finally caught up with Goldilocks.

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Using transcripts of Greenspan’s FOMC meetings as well as testimony before Congress, this eye-opening book delivers a timeline of his most devastating mistakes and weaves together the connection between every economic calamity of the past 19 years:

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• The stock market crash of 1987.
• The Savings And Loan crisis.
• The collapse of Long Term Capital Management.
• The tech bubble of 2000.
• The feared Y2K disaster.
• The credit bubble and real estate crisis of 2007.

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Fleckenstein explains just how far-reaching Greenspan’s mess has been flung, and presents damning evidence that contradicts the former Fed chief’s public naivet� concerning shifts in the market and economy. He also points to a disturbing fact, that throughout his career, Greenspan not only made costly mistakes, but made the same ones-over and over again. And not only was he never able to recognize or admit to those mistakes, he constantly rewrote his own history to justify them.

. .

Greenspan’s Bubbles offers a lock-stock-and-barrel portrait of a flawed but fascinating man whose words and actions have led a whole generation astray, and whose legacy will continue to challenge us in the years ahead.

. . .

User Ratings and Reviews

3 Stars Greenspan to Blame
I’ll go about half way with the reviewers here. Greenspan certainly created a moral hazard in (engineering) the bailout of LTCM. Then, his interest rates, while not causing the housing bubble, certainly made things worse. Overnight interest rates didn’t hit rock bottom until late 2002-early 2003, nearly six years after houses began rising. Houses didn’t pick up steam, however, until 2000 - still three years before the Fed went negative with rates.

While it’s true that (long-term) mortgage rates are set by the free market, the Fed’s short-term rates affect these. Their low rates made it attractive for downstream banks to lend, *overlend* that is. Why not, when you can borrow low and sell higher ? Then, when Greenspan raised interest rates - sharply I might add, he put the screws on those who took out adjustable rate mortgages.

So Greenspan fumbled two big things, already. But there’s more. The icing on the cake was when Greenspan - and the Fed at large - did not regulate banks like they were suppose to. They “didn’t know” what percent of mortgage originations were subprime. And they didn’t check big bank’s “off balance sheet” securities.

I gave the book only three stars because the author goes too far and blames Greenspan for things he wasn’t responsible for. But it’s still a good read for the things that *are* true. Alan Greenspan was probably the worst chairman in the history of the Federal Reserve……

2 Stars pretty shallow
I gave up somewhere in the middle of chapter four. It was just contrasting FOMC comments with Greenspan’s public comments. Anyone that follows markets at even a blog level is already aware of all this. I was hoping for something more in depth about the Fed actions and HOW it affected the economy (not just that bubble boy cut rates and the Nasdaq doubled. We already know this).

2 Stars Unconvincing and unhelpful
I distrust the Federal Reserve system, and I think that Greenspan’s easy money policies predictably harmed responsible investors, but I did not find sound reasoning to confirm those suspicions in Greenspan’s Bubbles.

Fleckenstein makes his subject material accessible to the layperson, but only by presenting a shallow and extremely one-sided viewpoint. He offers little economic insight, and proposes no genuine practical solutions. He exploits the selective memory of angry investors seeking a scapegoat for their losses, who might conveniently fail to recall Greenspan’s famous “irrational exuberance” speech of 1996 or his Fannie & Freddie warning of 2004.

The picture that the book paints of Greenspan’s chairmanship is at least as vague and inconsistent as any picture that Greenspan ever painted of the economy. Moreover, it relies too much on its own questionable selection and interpretation of Greenspan’s statements in order to vilify him.

Graphs and data in general are misused, because no attempt is made to demonstrate that conditions such as they were could have existed only in proximity to a crash. I suspect that one could have used the same methodology in 1960 to construct a similarly compelling stock bubble assertion, and no such crash materialized.

The importance of avoiding bubbles is repeatedly overstated. Everyone has heard the folklore that the 1920’s stock bubble caused the Great Depression, but the prevailing view among economists is that the government’s inept reaction to the ensuing crash played a huge role. Bubbles are certainly costly, but we have to weigh that against the cost of avoiding them, which is grossly understated here.

Indeed, Greenspan did err frequently, and we would prefer that the Fed’s leadership were perfectly infallible and transparent, but God isn’t available for the job, and he too is said to work in mysterious ways. We can quibble over whether the actual inflation rate under Greenspan was 3% or 4%, but we can all agree that it doesn’t come close to the 9% that it averaged under Arthur Burns.

Still, there is probably a kernel of truth here. Unfortunately, rather than presenting a reasonable, balanced case that even without the benefit of hindsight the Fed should have acted differently, Greenspan’s Bubbles resorts to scapegoating and demagogy.

5 Stars Fleck predicted the crisis
I’ve read Fleck since 2001. His insights into the market have been the most useful of anyone around. Sometimes I think he is the only honest guy who works in the world of finance. Actually, I would add Fred Hickey, Jim Rogers and Marc Faber to the list of honest market commentators.

Fleck has saved my family from a lot of financial pain as we were able to avoid the financial crisis.

In this book, he attacks Mr. Greenspan’s revisionist history. It was a gutsy book to write as the Federal Reserve and the dollar standard is at the core of America’s power.

As America starts to ratchet up the printing press you need to understand and pay attention to the Fed. This book is a good primer.

5 Stars HOISTED ON HIS OWN PETARD
This is an excellent little book that doesn’t drown the reader in financial gobbleydigook. Instead, the author, who clearly is not and never has been a fan of Greenspan, let’s his bete noir hang himself with numerous quotes that show beyond any doubt what a clueless, if not spineless, wooley headed theoretician Greenspan was. Of course, we have the pudding he cooked to taste now, and it’s pretty foul. But it shows how powerful PR and propaganda is in bolstering the reputation of a man who never deserved one tenth of his accolades a a brilliant and wise Federal Reserve Chairman. He was to Bernanke what Bush was to Obama, the creator of a God-awful mess who is desperately trying to revise history. What impressed me the most was how often Greenspan defended his inability to predict bubbles; his only approach was the same of a doctor at an autopsy; “Well, whatever it was, it was fatal.”

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Living Rich for Less Create the Lifestyle You Want by Giving Saving and Spending Smart

Living Rich for Less Create the Lifestyle You Want by Giving Saving and Spending Smart

You really can be rich in every way, every day.

So you want to own the home you love, make memories on wonderful vacations with family or friends, finance college educations, and help others too?

You can–starting here and now.

With lively humor, proven know-how, and practical principles for financial health, Living Rich for Less helps you stretch your dollars to realize the lifestyle of your dreams. Ellie Kay’s entertaining and enlightening examples show you simple steps to save, spend, and give smart, and her three main principles are undergirded by dozens of effective rules and hundreds of Cha-Ching Factor™ tips that keep or put money in your pocket.

Ellie knows what it’s like to be financially-strapped or struggling, wanting to be the Joneses but feeling as poor in spirit as in pocketbook. She went, within two and a half years, from being a new wife and mom with $40,000 in consumer debt and seven children (and college educations) to support, to being completely debt-free and within fifteen years able to pay cash for eleven different cars, give away three of those cars, buy two five-bedroom houses (moving from one to the other) and nicely furnish each, take wonderful vacations, dress her family in fine fashion; and support more than thirty non-profit organizations in more than a dozen different countries, giving away more than $100,000.

Isn’t that the kind of transformation to a rich life that you want?

Living Rich for Less helps anyone get there in our taxed-out, maxed-out times. Because financial security doesn’t mean just genuine prosperity, but being able to live luxuriously, give generously, and care for yourself as well as the others around you.

Why keep up with the Joneses when you can be them?

From the Hardcover edition.

User Ratings and Reviews

4 Stars A common-sense book
In a common-sense book, Ellie Kay provides many tips on saving money, investing money, paying for college, and more. Kay is a popular columnist and speaker about family financial matters and has written several other books on the subject as well. Living Rich for Less is timely, easy to read, or browse. The book is organized into three sections–Giving 10%, Saving 10%, and Spending Smart the other 80% (her 10/10/80 Rule). There are several trademarked slogans (which gets annoying after a while) to keep you paying attention (the Cha Ching Factor ™ for example.) While some of the advice may just not be useful (or obtainable– refinancing your house, for example) for everyone, you would be hard-pressed not find at least several hundred dollars in annual savings from your current budget. And that isn’t a bad return on a $16.99 investment.

1 Star Not worth a read
Since the recession is hitting most of us, I went to the library looking for books that would help and offer some sound advice. I loved the title of this book so I picked it up along with a few others.

This was by far the least helpful. The author provides almost no tips on how to spend smart. She tells us to save 10% of our income, donate 10%, and spend 80%. I already donate to charity, I already save, I wanted advice on how best to save and how best to spend the remainder of my income. This book offered no advice for that.

I admire the fact that Kay dug herself out of $40,000 in debt, but while reading the book you discover part of the reason why is that she was a winning contestant on the Price is Right and took home thousands!

Books like Frugal Living for Dummies are much more helpful.

1 Star Waste of Time
This book gives almost no information on how to live rich for less. In fact, it reads like an infomercial complete with customer testimonials. The book is filled with cute little stories that offer no practical advice.

The entire book can be summed up with Kay’s 10/10/80 principle - donate 10% of your money, save 10%, spend the other 80% wisely. That’s it. Her advice for spending the other 80% wisely is essentially use the Internet to find good deals, use coupons, buy on sale, and negotiate. There are many other books that cover these same topics but in much greater detail.

I was also turned off by Kay’s product placement. She has been a paid spokesperson for Proctor & Gamble and others and it shows. She tells consumers to buy Dawn dish soap because it is ultra concentrated so it lasts longer, but most stores have generic versions of ultra concentrated soap that works just as well and lasts just as long (and is much cheaper). She also pitches another PG product, Bounty paper towels, and I’ve used other less expensive brands that were just as good. But Kay never recommends buying the generics of these products. I do not think a paid spokesperson should offer supposed unbiased advice.

If the book offered other great tips or advice I could have overlooked the product pitches, but unfortunately it didn’t.

4 Stars A Spoonful of Sugar with this Medicine. Can Money be Funny?

I’m not going to lie. I hate financial stuff. Not that I don’t have reason. On paper I’ve BEEN worth a million…unfortunately, paper doesn’t actually mean much, especially in light of our economy. Foreclosure of rental properties and the crashing and burning of the asset of equity have been companions over the past couple of years. Money savvy and natural money sense are terms that don’t define me.

Another reason to be queasy when dealing with finances… I have a “legal” first name that is used to bind me to contracts. When I sign it, hear it or see it, well, let’s just say that life often feels like a trip to the principal’s office.

That said, Ellie Kay made financial details amusing and almost painless. She shares stories and experiences from her financial growth curve that are down to earth and full of humor.

Living Rich for Less is geared more for folks who haven’t made many financial or budgeting changes or haven’t considered how they can cut back on expenses over those who’ve already begun the basic process of scaling back. However, Kay offers a great overview of insurance needs, different savings options, and the value of giving, saving and smart spending.

5 Stars Upbeat Financial Planning For Families
Ellie Kay’s “Living Rich For Less: Create the Lifestyle You Want by Giving, Saving and Spending Smart” offers useful tips written in a friendly style.

You can pick up this book, skim the chapter titles, and skip to any topic that most interests you. Her book is in no way a dry, scientific tome, but is full of lively ideas, with chapters like “Shopping to save: shop till you drop savings in groceries, on clothing and online” and chapter 8 “The new cool: slashing insurance costs and room-by-room cash savings.”

“Living Rich for Less” is also peppered with Ellie Kay’s Cha Ching money saving tips, like how to dramatically increase miles per gallon for your vehicles, with big cash savings on what you spend on gasoline. She includes a chapter on “Giving green: eco-friendly savings for energy, the environment and eggplant.” Yes, eggplant.

This book is a useful tool for all who need help with financial planning at the beginning and intermediate levels.

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The Young Investor Projects and Activities for Making Your Money Grow

The Young Investor Projects and Activities for Making Your Money Grow

A grandmother realizes her goal to give her grandchildren money and teach them the “language of business” in The Young Investor: Projects and Activities for Making Your Money Grow by Katherine Bateman. Here, Bateman, a former vice president of a major investment firm, translates five years’ worth of research about saving, investing, the economy and the stock market and translates it into language that “tweens” and financially challenged adults can understand. A glossary, bibliography, Web sites and phone numbers are also included.

Copyright 2002 Cahners Business Information, Inc.

User Ratings and Reviews

5 Stars Great Book for Teens to Adults
This is a great book that I bought for 13 & 16 yr olds, but I learned stuff too! The back of the book says it’s for ages 9 & up, but I don’t believe there’s a 9 yr old on the planet that is ready or willing to delve in the intricacies of mutual funds and compound interest. Otherwise, I think the info is presented in clear-speak without being condescending and I wish I had received such a book as a teenager. Highly recommend it.

5 Stars Really good book
I agree with the previous reviewer, this book is a great book for kids and it’s also great for newbie adults too. I’ve read at least a dozen investment books and some just give you lots of data (that you don’t really care about/understand) and others don’t leave you with steps or anything that you can apply in a practical way. I found this book easy to read and if I had a kid I would sit and read it with him/her. Currently, I recommend this book to my friends who are also starting to invest/take control of their finances.

5 Stars Great for kids, or adults new to investing!
Maybe it’s just me, but all I ever learned about money growing up was that it should be earned from a job and saved in a bank. This is what most parents teach, because it’s what most parents know. And so as a twentysomething college graduate, I have learned more from this book than from any other financial advice book that I’ve ever read. Most books made for adults start from where the authors believe we adults “should” already be: semi-knowledgeable about money and investment basics and simply in need of more detailed advice. Those types of books always confused me with their jargon and concepts, even when I was a business major in college. This book takes a wide range of topics including basic economics, stock/bond/mutual fund investments, banking, and budgeting and makes it all, well, easy enough for a kid to understand. In doing that, it also serves as a good resource for adults who are true beginners in money management and investing. I wish that I had received this information as a kid, but I think that by reading this book I now know more about money than my parents and plenty of adults ever will. If you are a parent, this is a great way to start your kid on a path to financial literacy. If you are an adult who, like me, was often intimidated and overwhelmed by the world of personal finance, give this book a try to build your confidence and become familiar with various concepts. I don’t think that you will find any book intended for adults so willing to break things down the way a children’s book does. The funny thing is, most kids that read this book will end up knowing more about money than most adults!

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Managing Your Money All In One For Dummies sup sup

Managing Your Money All In One For Dummies sup sup

Want to take control of your finances once and for all? Managing Your Money All-in-One For Dummies combines expert money management with personal finance tips. From credit cards and insurance to taxes, investing, retirement, and more, seven mini-books show you how to improve your relationship with money — no matter your age or stage of life.

This easy-to-understand guide shows you how to assess your financial situation, calculate debt, prepare a budget, trim spending, boost your income, and improve your credit score. You’ll find ways to run a money-smart household, reduce waste, and cut medical and transportation expenses as you tackle your debt head-on and develop good saving habits. You’ll even get help choosing the right mortgage and avoiding foreclosure, saving for college or retirement, and determining your home-, car-, and life insurance needs. Discover how to:

• Take charge of your finances
• Manage home and personal finances
• Lower your taxes and avoid tax audits
• Plan a budget and scale back on expenses
• Deal with debt and negotiate with creditors
• Save and invest safely for college or retirement
• Protect your money and assets from fraud and identity theft
• Ensure a comfortable retirement
• Plan your estate and safeguard a will or trust

Managing Your Money All-in-One For Dummies brings you seven great books for the price of one. Can you think of a better way to start managing your money wisely?

User Ratings and Reviews

5 Stars Get the biggest bang for your buck by purchasing this book
“Managing Your Money All-In-One For Dummies” is a compilation of the works of eleven authors. For example, Kathleen Sindell, Ph.D. has rewritten and updated five chapters from “Managing Your Money Online For Dummies” for inclusion in “Managing Your Money All-In-One for Dummies”. These chapters include:

Using the Internet to Help Manage Your Finances

Working With an Online Broker

Online Banking

Online Retirement Planning

Estate Planning Online

To sum it up, “Managing Your Money All-In-One For Dummies” is perfect for someone who wants to get control of their personal finances.

3 Stars okay but really for dummies
This book is really basic. So if you know anything about finances you should go with a more advanced book. The resources and websites are really useful, but if you need this book than you probably better off taking it out of your library than purchasing it if you get my drift.

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Self employed Tax Solutions Quick Simple Money Saving Audit Proof Tax and Recordkeeping Basics for the Independent Professional

Self employed Tax Solutions Quick Simple Money Saving Audit Proof Tax and Recordkeeping Basics for the Independent Professional

June Walker tackles the most vexing problems facing the self-employed: bad recordkeeping and tax ignorance. Her solutions are simple, quick and audit proof: a recordkeeping method that works and a guide through the tax maze that ends with more money in the indie’s pocket and less money going to Uncle Sam.The self-employed operate under various names — sole proprietors, freelancers, subcontractors, free agents, independent professionals - but the IRS and other taxing authorities require all of them to follow the same rules. If self-employed people don’t understand tax and recordkeeping fundamentals, they will eventually gum up the works, and the remedy will be expensive, time-consuming, worrisome, and possibly fatal to their businesses - no matter how talented, motivated and entrepreneurial they are.The author creates characters such as wedding photographer Billy Bridesnapper and the clueless CPA Sammy Segar to illustrate situations based on the real experiences of her clients. Through these examples told in clear, crisp and simple prose she explains the complete range of tax and recordkeeping basics - like how to prove to the IRS that the endeavor is a business not a hobby, how start-up costs differ from other deductions, how to go snorkeling and still deduct travel expenses, why a gift to mom can be a legitimate business deduction, why solos needn’t worry about the difference between income and a reimbursement, how to make estimated tax payments, the structure and advantages of sole proprietorship, and hundreds of vital details about taxes, finances, and recordkeeping.Armed with June’s unique copyrighted worksheets designed just for the indie, her system takes only a few hours a year to implement, and saves time, anxiety and stress. Even the beginner who has never kept business records can easily learn it. Self Employed Tax Solutions explains how not to miss one single business deduction, how to pay the least tax legitimately possible and how to keep records so that accounting and tax preparer fees are reduced.Self-Employed Tax Solutions is not written for dummies but for bright, intelligent people who don’t understand the business side of their solo ventures. It’s the one indispensable book that self-employed people need to survive and to succeed in a business environment where the tax laws and regulations are structured not for them but for corporations and employees.

User Ratings and Reviews

5 Stars Perfect for the self-employed artist!
I’m a full time artist and bought this book to make sense of my tax mess. It was entertaining to read, and laid out a clear and easy plan for me to follow. This is EXACTLY what every artist needs to read.

5 Stars Full of useful information!
This book is head and shoulders above most other books on the market of its kind. Most books gloss over and repeat what is freely available in the tax booklets; this book explains and expands on that information. Plus, it gives you tips on how to plan ahead so as to take legal advantage of the tax opportunities offered within the tax code. It is well organized and a certain reliable resource for self employed individuals.

3 Stars Author is windy. Book is OK. There are better out there
This book was OK. I agree with the alliteration criticism of the other reader. Too much like fantasy. Too many references and suggestions that you MUST get a professional preparer or take your records to a professional preparer/accountant. Why bother reading this book if I wanted to pay someone else to do my taxes? The author’s “Most Simple System” is a re-hash of Fluery’s “No Entry Accounting” system in his book from years ago called “Small Business Survival Guide” only Fluery takes it a step further and recommends you doing your own taxes. Ms. Walker takes you to the brink of this but falls short. You’ve already done 95% of the work with her “system” so why not finish it? I recommend you start with this book then read “Small Business Survival Guide” and you’ll be in good shape and not have to pay an accountant to do your taxes. Fluery’s book is out of date but the Schedule C hasn’t changed all that much since that book was published. Get a new version of Sch. C, combine the info from both books and you are all set.

Finally, this book repeats itself over and over. It could be half as long.

5 Stars Simply The Best
By far the best self-employed book on taxes that I have read to this day! A must read for anyone who has been in business and would like to understand better what the CPA is saying, and a definite must for anyone thinking about being self-employed.

4 Stars Small Business Answers
“Self-Employed Tax Solutions” is an excellent self help start to treating your cottage industry as a business and working your way through the intricacies of filing federal taxes as a small business. Ms. Walker’s explanations are clear and well illustrated.

We had no trouble understanding each point and applying the rules to our own small business situation. The only problem we found was her citing a court ruling, putting it in quotes, and not providing a bibliographic source.

Both the glossary and the index are adequate for the novice readers. The style was breezy and light, which made the reading easy.

A good place to start for an entry level “indie” who needs basic tax information. She has several “wish I’d thought of that” ideas for keeping records and saving time.

Nash Black, author of “Taxes, Stumbling Blocks and Pitfalls for Authors.”

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404 Self Improvement Tips 101 Money Saving Tips 101 Success Tips 101 Health and Fitness Tips 101 Love and Relationship Tips

404 Self Improvement Tips 101 Money Saving Tips 101 Success Tips 101 Health and Fitness Tips 101 Love and Relationship Tips

404 Self Improvement Tips is divided into four poweful section…

PART 1 - 101 Money Saving Tips
People are always trying to save money, especially with today’s economy. No matter what your reason for saving, through this e-book, you will discover ways never considered.

The price of everything has gone up, requiring people to be more conscientious about money. The problem is that by the time the mortgage, car, utilities, and credit cards are paid, there is little money to put aside. Saving money is not that hard, just a matter of learning all the different options and being creative.

In addition to the obvious of putting money into a retirement fund or savings account, there are hundreds of ways to save money. Although some ways of saving may not seem like much, once you add them up at the end of the year, you will see how substantial the savings really are. Keep in mind that saving is more than a single lump sum of money put aside. Saving is something found in your everyday life by the way you live and the choices you make.

Part 2 - 101 Success Tips
Most people want to be successful in life. There are goals set and then the hard work begins to reach those goals. The question is what is success? Actually, success can mean different things to different people.

For example, a person that owns their own oil changing service for vehicles might set their level of success at servicing 50 cars a day while someone who loves music might consider success as cutting their own CD. In addition, success does not always have to involve money. Success could be getting a good grade in a difficult class or learning how to bake the perfect chocolate cake.

Part 3 - 101 Health & Fitness Tips
More than any other time in history, people are all vying to have the best, healthiest body possible. The health and fitness industries are making billions of dollars every year on herbal supplements, fitness equipment, gyms, and special diets. If you watch TV or read magazines, there is always some intriguing commercial asking for money to help you get into shape.

While many of these options are good and healthy, others you should stay as far away from as possible. Recently, a professional baseball player died at the age of 23. In his locker, a bottle was discovered containing Ephedrine. The FDA just issued a warning that people need to heed.

Part 4 - 101 Love & Relationship Tips
Dating and marriage is different than it was twenty years ago. In today’s society, more than 50% of all marriages fail for one reason or another. Just thinking about that makes “commitment” seem scary. It seems that when relationships are faced with challenges, people quit trying.

The fact is that relationships, whether dating or married, are hard. Things do not always go perfectly, fighting does occur, and it takes a 100% commitment from both parties to make it a success. Often when people break off a relationship, they feel as though something is missing. The “spark” has gone, leaving one or both people feeling inadequate and unfulfilled.

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Essentials of Wealth Building

Essentials of Wealth Building

4 essential books on wealth, saving, investing, finance, and money:

Art of Money Getting, by P.T. Barnum
Think And Grow Rich, by Napoleon Hill
Science of Getting Rich, by Wallace Wattles
Everybody’s Guide To Money Matters

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Simplifying Las Vegas 2009 A Travel Guide for Everyone

Simplifying Las Vegas 2009 A Travel Guide for Everyone

Imagine that you’re a regular person on a limited budget who wants to take a trip to Las Vegas. The way things are now, in order to effectively plan and enjoy the trip without losing your shirt (and/or your loving family), you will have to refer to approximately 3700 guidebooks to get a reasonable consensus on which hotels, casinos, restaurants, shows, travel agencies and street hustlers offer the best deals. By the time you complete all of your research, you decide that a) it is just too daunting, b) it is not worth the headache, or c) perhaps you should skip the idea and just visit the in-laws instead.

It doesn’t have to be that way.

Simplifying Las Vegas brings it all together in one easy-to-read, entertaining, commercial-free travel guide for regular people: from couples to families to college buddies to tired moms needing a girl’s night out. In other words, this guide is for anyone who wants to plan and enjoy a trip to Las Vegas with as little hassle and expense as possible.

The 2009 version has new and updated tables, additional tips, and much more… all right at your fingertips on Kindle.

Go to Vegas. It’s that simple.

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Coupon Codes Your Secret Weapon for Saving Money Online

Coupon Codes Your Secret Weapon for Saving Money Online

Saving Money by Shopping Online is Sweeping the Nation! I’m not talking about buying someone’s used items off of eBay. I’m going to tell you how you can get the same new, name brand, quality merchandise that you see whenever you go shopping at a huge savings… sometimes for as much as 90% off the normal retail price.

Never Before Revealed Information! And I’m going to explain how you can purchase these items while you are relaxing comfortably at home… at 2 AM if you so desire! Then, in a few days, your selections will be efficiently delivered right to your front door.

That’s right! No fighting traffic on the freeway to get to the mall – no crowds of people to deal with after you get there! No bored sales clerks who are unable or unwilling to answer any questions you may have about the item you’re looking for. No picked-over racks of clothing or shoes – no out of stock DVDs or video games! Your shopping mall will be contained in that small glowing box on your desk – your computer! And the price and selection of merchandise that will be available to you 24/7 will absolutely astound you!

What’s The Secret? How Can I Shop And Save Money? Okay, here’s what you’ve been waiting for. The secret to shopping without breaking the bank. The method for having those things you need and want for pennies on the dollar. Online shopping with coupon codes. Coupon codes that will give you free shipping, a percentage off of your total price, or a Buy One, Get One Free deal. Or a lot of other combinations!

You just need to know where to go online to find these codes, and exactly how to use them. Get “Coupon Codes - Your Secret Weapon for Saving Money Online!” right now. Then you can just click and save!

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The Frugal Millionaires 70 millionaires anonymously share their ideas about money to help each other and you

The Frugal Millionaires 70 millionaires anonymously share their ideas about money to help each other and you

The Frugal Millionaires “…contains more apropos information than found in a year’s worth of Wall Street Journals.” - Mark M. Owen Ph.D., (Armchair Interviews).

WINNER of the prestigious USA Book News “National Best Books Award” in the Business: Investing category.

Ever wonder how some people grow their wealth while others simply can’t? The Frugal Millionaires tell you exactly how they do it so you can too. What’s inside: - 70 millionaires anonymously share their ideas about money to help each other and you. - What sets millionaires apart from the other 98% of the population. - The 6 ways millionaires think differently about money. - Why being frugal doesn’t mean being cheap. - Over 800 wealth growing ideas across 24 categories, including: investments, mortgages, real estate, credit cards, buying/leasing cars, saving and spending, donating to charity, taxes, conserving resources, recycling, marriage, and retirement. The 15 best practices of the “model” frugal millionaire. - The frugal millionaire’s favorite mottoes about money. - The prized possessions they acquired after they became millionaires.

PUBLISHER’S NOTE: A portion of the profits will go to charities designated by the anonymous frugal millionaire contributors. This book is truly a “give back” to help everyone be smarter with their money.

To see TV coverage of the book go here: http://www.king5.com/video/savemoney-index.html?nvid=293049

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