Budget Books
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Learning About Money . . . The Hard WayReview Date: 2001-08-13
Learning about money period!Review Date: 2006-04-25
She has made great strides in financial responsibility. She got a job when she was old enough. She bought a car, pays for her insurance, tag and car related as well as other expenses from her job. She donated over $500 last year to causes that she finds worthy. Has a long and short term savings accounts. Our next step is to work toward investments and teaching her to be responsible with credit before she leaves for college in just over a year. She was starting 10th grade when we started this. We were worried that we might not have enough time. It had taken years for her dad and I to get to the point where we finally "got it" financially speaking. She has come so far, so quickly it sometimes seems we've been doing it much longer than we have. I have read other books on this subject over the years, for some reason this one clicked and I knew it was something we could do. I think one of the best things about it is that it is not about being strict or perfect. It is about finding a balance that works and letting kids figure out how to make choices and live with those choices when those choices do not threaten their safety or security. I am thrilled with the progress we have made in our home with this program. I don't really worry about her future financially. I know things could still happen but at this point I feel certain that she won't make damaging financial mistakes because she didn't know any better.

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An Awesome cookbook!Review Date: 2008-02-07
Nice surprise!Review Date: 2007-11-02

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Great book for anyone that wants to know how public finance actually works!Review Date: 2007-10-15
A must readReview Date: 2006-07-12
The only point I disagree with is his argument of the insignificance of foreign debt. I feel this is still a major issue. Also, he tries to go into other aspects of government funding that are problematic, but I found it very difficult to understand.

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An Essential ToolReview Date: 2006-02-20
Heard interview on the radioReview Date: 2005-12-27


Good practical advice, nothing newReview Date: 2008-10-14
I was annoyed the authors repeated self promotion. He referencing his previous books and web site in almost every chapter, several times in some cases. If they were so useful, he should have just included them in this book. His enthusiastic tone gets to be annoying after awhile too. He does also list other useful sites and services.
The advice to save part of your income automatically via direct deposit, or automatic deductions sounds like good advice, and seems achievable. Much of the rest of his advice is old hat. His suggestions about paying off credit card debt were not very interesting.
In summary, short well written solid advice, but you know most of it already.
Good Advice but what about the working poor?Review Date: 2008-09-17
David Bach is the greatest financial expertReview Date: 2008-08-31
A helpful guide on how to retire richReview Date: 2008-08-08
Simple as it gets for financial/spiritual freedom.Review Date: 2008-07-21

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American Theocracy is an Expose of the dangers of any religion with too much powerReview Date: 2008-10-24
Having done business with two of the ,most infamous religious Tycoons in
the business I can vouch for the authenticity of this book. Straight to
the point with no punches pulled.
Tough, Chilling AnalysisReview Date: 2008-07-07
Phillips proved his eye for future trends with EMERGING REPUBLICAN MAJORITY, his 1969 book correctly forecasting GOP dominance of the South and White House via rising conservatism and racial backlash. Phillips recently left the GOP in disgust at its right-wing Christian politics. Some find this book a bit stiff and alarmist, but it's an important, thought-provoking effort.
Hubbert's peek into the present.Review Date: 2008-05-27
Of late, Phillips, who worked like the dickens to get Nixon elected & who like so many of the old Goldwater guard deserted the Republican orthodoxy, has got a good deal of mileage out of shredding the bedding of the Family Bush. In "American Theocracy," Phillips summons up fearsome documentation for his thesis that the US of A is headed down a path previously trod by Spain, the Netherlands, & Great Britain: their governments paralyzed by indebtedness & mesmerized by evangelical zeal failed to replace their fading sources of energy & so collapsed under the weight their own inertia.
Because Phillips is not out to preach to the choir, he doesn't dawdle over pop topics like "renewable" energy sources or the isolationist-directed reducing dependence on foreign oil: it's too late for all that. Instead, he cites the instances of how we allowed our blind love of the "freedom of the road" to lead us to the brink of energy catastrophe: the 1956 "Hubbert peak," the prediction by Shell Oil geologist Marion Hubbert that oil extraction in CONUS would peak betw. 1965 & 1970; the rise of nationalized petroleum industries in Iraq, Libya, & Iran (& of late, Venezuela); & the especially scary notion that petroleum geology is an unpopular major among American college graduates, whereas it's an extremely desirable one in Africa, Latin America, etc.
His Goldwater-like disdain for the current influence of the evangelical Christian ideologists is painfully evident, but Phillips points out that war & politics in the U.S. have traditionally "borne a heavy imprint of church leadership & denominationalism." Like the despised liberals of 40+ years ago, the evangelically correct right wing of today has "taken the lead in promoting unworkable social-planning [the "panacea of abstinence" in sexual matters] abstractions."
Moreover, the US of A is not the first instance of a govt. in the throes of apocalyptic fibrillation: Phillips reminds us that 17th-cent. Netherlands & WWI-era Great Britain firmly believed that Biblical prophecy would stand them in good stead, even while their empires crumbled. Each time, they were sadly disappointed that God did not come to their rescue.
With regard to the "borrower-industrial" complex--the "financialization" of the union--, Phillips dabbles in some prophecy of his own when he writes, albeit pleonastically, that the "maintenance of the upward revaluation of homes may be the next frontier of risk socialization." We have reached that frontier today.
That a former republican strategist--a guy that wrote 40 years ago of the formerly Democratic South becoming a bastion of Republican values--has so little respect for the Republican Party of today is cause for some serious consideration; however, Democrats have done little but concede to Republican whims at every turn. False optimism about an endless supply of crude oil, gross mismanagement of our holy war in Iraq, & the withering of our manufacturing base should give one pause about how much longer the US of A can hang the "superpower" shingle on its swinging doors.
Plausible enoughReview Date: 2008-08-07
Phillips' strengths are his focus on realpolitik consequences of policy & his preponderance of disturbing facts, although to keep up, you will need some familiarity with history or other social sciences. His weaknesses are his repetition & length, questionable read of history, and lack of integration between the three main subjects, although each section is informative in its own right. Also, a handful of his points seem to rest on loose analogies, circumstantial evidence, or evidence without footnotes, making evaluation difficult, but overall, his analyses are plausible enough to warrant closer attention.
Articulate, much research, and 2/3 badly misleadingReview Date: 2008-07-25
The book in one sense is well-written, though. The line of arguments are clearly stated, and the facts and stories Kevin Phillips chooses to write about can sometimes be interesting and informative. As many reviewers noted, there are pounds of research cited and statistics listed. The problem is that he is extremely selective about which he presents. In the "oil" segment, for example, you will find almost no mention of experts who estimate the relatively long period of oil reserves worldwide (one actually makes a cameo appearance, and the reader is hereby challenged to find it!). Nor does he cite the fact that estimated reserves have always, always edged upwards. In the "religion" segment he makes a quite-wrong statement about Newt Gingrich's historical fiction series on the Civil War, meaning he could not have actually read the books. With this kind of selective reporting, one cannot sift the truth of his arguments. Then there is the ending: there isn't one. No summary, no conclusions, no points for action. After all that.
For the sake of backing up the title of this review, the badly-misleading part of the "debt" section in this book concerns the author's own - perhaps unwitting - argument against himself. He actually stated that the amount of total personal savings was greater than the total personal debt. Gracious, mendacious! If the statistics sound overwhelming in this section of the book, the reader is invited to skim over them, because they are hard to trust anyway.
In spite of these rather harsh judgments (and overly long review!), "American Theocracy" really is interesting. The prudent reader will discount the alternating condescension and panic, and just enjoy the discussion. If you are inclined to think as the author does, you will certainly like the debating points you could use. If you are inclined to dismiss the author's point of views, then don't - just read it. If you are wary of what a leftist-in-charge might do, then note the line of argument and hone your own.

Shows its ageReview Date: 2008-11-10
Reading this with different eyes as an adult. Review Date: 2008-08-30
This was a reread for me. I read most of the Verne books when I was quite young, and lately wanted to revisit some of my favorites. When I was younger, I was very much (like Captain Aronnax) taken with the catalogue of undersea marvels that Captain Nemo and his Nautilus enabled us to visit. Reading it this time around, I was quite struck with the political picture of Captain Nemo. As a man from an unknown country who has lost everything at the hands of men, Nemo becomes what we would today call a terrorist. He funds freedom fighters. He takes his revenge on the men from the countries who hurt him and his. The portraits on his wall: John Brown, Kosciusko, Daniel O'Connell. I think that I'm going to add The Mysterious Island to my list. I had never read the sequel in the past, and I understand that it provides more background about the mysterious captain.
Readers who aren't familiar with this book are encouraged by this reviewer to rapidly amend this sad condition. I also have to say that I first read this when I was nine (the full version, not a children's edition) and I can't imagine what really needs to be cut to make it suitable for younger folks. I'd hand them the whole thing with a confident heart.
Interesting Anachronisitc Book - Inconsistent Quality of PublishingReview Date: 2008-07-22
Thus begins a promising story of mystery and adventure, the possible drama of Captain Nemo being chased by worldly forces in his incredible Nautilus, the tension between the captives who are experiencing the amazing wonders of the ocean depths firsthand and their captor who cannot ever let them go without losing his own freedom, and the chance for exciting adventures. While all of these things are delivered in the book, they are done so very anachronistically (obviously), with the drama, tension and adventure being there - and being very creatively crafted - but also being very subdued and literally drowned in an ocean of Mr. Arronax describing the latin names of the sea life he sees outside the Nautilus's window. This captures the fascination of the age with Natural History versus today's focus on excitement and adventure in these types of novels. There are many times were the book gets very, very dry as the author rattles of names that you have no idea what they refer to, and even if you google them the only hits you will get are the passages in the book itself! Based on this, the fact that this translation cuts out some 20% of the book is probably not a bad thing.
Nonetheless there are some great moments of natural beauty and adventure. Jules Verne showed some incredible predictive power in describing the structural design, diving operations and maneuverability, and life support systems of a submarine, being basically spot on before anything beyond the Turtle of Revolutionary War heritage had ever been put to sea. The myriad undersea "terrains" the characters experience are particularly cool and fun. Relative to the movie the giant squid attack is underwhelming, but a much better scene that never made it to the film is one where after discovering the south pole (something Verne got wrong obviously) the Nautilus is caught in between two icebergs and must dig itself out before its air supply runs out. But there are some drawbacks too. There are some shockingly dark moments for a book aimed towards younger men from the 1860's which seem to imply they are leading somewhere and could have been great plot tension builders, but they are never fully fleshed out, and neither is the character they are supposed to be windows into, the reclusive, tortured yet brilliant Captain Nemo. The book ends quickly and inconclusively, feeling like a great set up for a story that ends as more travel log than character story or adventure yarn. Nonetheless the book is short and relatively easy to read despite it's older grammatical style which can sound very strange today.
The job the publisher did however is spotty. The cover design of the book is very well done, but the editing is poor with many glaring typos throughout the text.
All in all the movie is much better as a movie than a direct adaptation of the book would have been, with Ned Land turned into a main character that an American audience can connect with (unlike the highly intellectual and uninspiring Mr. Arronax as main character of the book or the turgid Canadian version of Ned Land), Captain Nemo is more explained as a character and pitted more against Mr. Arronax as two opposing sides of a moral coin, and the movie has a more solid story and conclusion. But the book has it's own advantages and overall is worth reading, especially for its historical significance.
WowReview Date: 2008-10-26
Reads Like a Travel JournalReview Date: 2008-08-01
The attention to detail that Jules Verne used to capture the readers attention is marvelous... This book is written in the 1st person through the eyes of Assistant Professor Pierre Aronnax of the Paris Museum of Natural History. Professor Aronnax unfolds the story to the reader of this novel about several sightings of a mysterious object seen around the world by many different people.... Some believe it to be an island, others seem to think the object is a floating reef, a large whale or other large mammal and so on. It isn't until Professor Aronnax and his faithful Flemish assistant, Conseil, take part on an expedition aboard the Abraham Lincoln to seek out this unknown object once and for all. Eventually, it is discovered that this unknown object is a submarine named the Nautilus, on which Professor Aronnax, Conseil and Canadian harpooner, Ned Land, spend the remaining part of the novel sailing on the Nautilus through the various oceans of the world along with the crew of the Nautilus. What adventures they have while sailing on the Nautilus!! And the exquisite detail in which Jules Verne imparts is wonderful. One feels like they are truly reading the actually travel journal/diary of Professor Aronnax. Professor Aronnax writes from a scientific/natural history perspective as he is very much interested in the under water world of the worlds oceans.
The only draw back I had with this novel was that some of the descriptions were a bit overdone or a bit too much to take in (like classification of animal species or various nautical terms).... These descriptions aren't overwhelming or occur that frequently, I'd just find myself skimming through these parts rather quickly.

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Good book but it gets tiresomeReview Date: 2008-01-10
practical budget friendlyReview Date: 2007-10-21
Use What You HaveReview Date: 2007-05-29
I love this book!Review Date: 2007-08-26
One of my favorite decorating books...Review Date: 2007-04-26
Beyond that though, I love this book. I'm a down to earth person, always looking for a quick and cheap way to re-do things. This book taught me decorating principles that were easy to put into practice. I like the before and after pics, explanations and the occassional room layouts. After studying this book a few times, it took me less than an hour to re-arrange my living room. It's so much more inviting and comfortable now, that I don't want to leave it! As for color vs. black and white photos, of course I'd prefer color. But I can live with it, because the content is so helpful. I have the older version too that has a middle insert of color photos as well.
This book will be helpful if you already have a house of furniture or maybe suffer from TMS syndrome (too much stuff) and if you enjoy being creative with what you have. If not, then this book will probably frustrate you.
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Creative concept could save time in the kitchen....Review Date: 2008-02-17
Very helpfulReview Date: 2007-11-15
Wrong BookReview Date: 2007-06-07
More of The Same 'Ol, Same 'Ol.Review Date: 2007-05-20
One-a-Month CookingReview Date: 2007-02-15

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A Must read for any mom!Review Date: 2007-04-04
Life changing bookReview Date: 2006-12-12
Only so...soReview Date: 2007-02-22
Excellent!Review Date: 2006-06-06
Kick-started my frugal lifestyleReview Date: 2006-11-03
She shares general tips as well about places that commonly eat up our money, so it is a good book to get started with because it is focused in one direction and also has a lot of springboards for other areas of your life where you can save. Her tips never seemed like they went too far or would make me feel deprived, in fact a lot of her tips are based around developing more awareness of where your money is going, and she has a lot of ideas that I found very helpful.
So this is a great book to get started with, especially a used copy (I have an older edition and am finding it helpful even though some of the prices are outdated), and then when you have squeezed the usefulness out of this book, go for the Tightwad Gazette next. The Tightwad Gazette is a bit overwhelming for beginners, so I do recommend this book first. I have gotten a lot out of it.
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That experience is a mini-lesson of the sort that Dr. Whitcomb feels that each child should have beginning between ages 10 and 13, depending on the child. Dr. Whitcomb learned the benefits of making money mistakes for himself while he was a boarding student. He was given the money to pay all of his expenses. If he ran out, that was his tough luck! His parents before him had had the same lesson applied in the same way.
Most young people eventually start to have these experiences when they live away from home, whether for boarding school, college, or moving away to take a job in another area. Dr. Whitcomb points out that learning the lessons earlier and on a smaller scale is a good idea.
The book is built around the idea of establishing a budget for something your child needs to pay for, then giving the money to your child, and learning from the school of hard knocks. He has an elaborate set of contracts, ATM account rules, and tracking mechanisms for making this practical. He suggests picking out an approach that works for you and your child. The book has lots of good advice for how to handle the inevitable crash landings.
We did something similar to this with our children, and they soon learned to live on the funds they had . . . or to earn some more. They became ingenious at saving money, and finding better ways to earn it. One child, who had been profligate before it became that child's money, totally turned around. So I think the theory works.
I would advise starting earlier than he suggests here. Children can take on responsibility for buying family presents much younger than was described in the book. And you don't need an ATM account to do it. When the age is reached to buy one's own lunches, that's another opportunity to install this approach . . . with a fixed weekly allowance. Chores can be used to generate income for "extras" and that helps other lessons be learned.
I also suggest starting with investing younger than is indicated here. I started doing that when I was 12 and greatly benefited from that early exposure.
I think you will enjoy the book, although I don't think you will follow it exactly.
The best part for me was in the sections for helping children learn lessons from their experiences.
Where else would advance practice make a good difference? Be sure your child has that practice.
Assume that people can learn by doing better than any other way!