Money Secrets Of The Amish by Lorilee Craker – Personal Finance Book Review – Bartering and Gifting

Challenging economic times inspire people universally to make wise financial decisions. Whether it's choosing to repair a vehicle instead of purchasing a new one, or investing in simple pleasures vs. opulent outings, such behaviors are proliferating. One culture that has always lived austere, yet meaningful lives is the Amish. Increasingly, people are intrigued by their lifestyle; and wonder what aspects of their living they could comfortably imitate.

Lorilee Craker is the author of the new book, "Money Secrets Of The Amish-Finding True Abundance in Simplicity, Sharing and Saving." She examines their lifestyle, which is extravagant in peace, family and community closeness. For them, thrift is a muscle that is exercised regularly.

Craker interviewed Amish folk in Michigan and Pennsylvania, including an Amish banker whose clientele is 95 percent Amish. During the Great Recession in 2008, his bank had its best year ever. Amish experts and Englishers' (Amish reference to anyone non-Amish), financial perspectives accentuate the book too. Here, two of their money-saving habits, bartering and rethinking gifts, are discussed.

Bartering. Bartering was a popular social behavior from the 1880s to the Great Depression. It's common again today. The Amish, who have a long history of living outside a cash economy, love to swap goods for goods, goods for services or services for services. In regards to bartering, ask yourself, "What are you good at and what could you negotiate for something of worth?"

Unfortunately, Americans can be too proud to barter, but it's popular in foreign countries. Barter, and you will:

  • Build relationships and community.
  • Engage on a deeper level when you must express your needs.
  • Think of your assets first before your needs.

If you're uncomfortable bartering, start with your friends and acquaintances; and seek bartering opportunities. Post what you need on social media sites.

Rethink Gift Giving . The Amish give one gift per child for birthdays and christmas. Gifts are often useful, need-based and hand-made, regardless of the recipient's age. The first step in rethinking gift giving is to scale back. Consider giving gifts that are either: a. experiential or charitable, or b. homegrown in some way.

Experiential gifts. Give the gift of a single experience, shared or not, of know-how, skill, and most importantly, memorable. Examples include sporting events tickets, museum memberships, or Horseback riding lessons. Experiential gifts can be expensive or cheap, as it's more about investing in the relationship.

  • Un-wrappable gifts. They can be fun, frugal, yet meaningful. Give coupons for services including babysitting, housecleaning or yard work.
  • Coupon-gifting. Consider giving the gift of time, allowing you to create memories, which are priceless. Coupon gifts are also something to anticipate using.
  • Make a donation in the recipient's name to an endeared charitable cause.

Homegrown. Examples include painted pottery, made candles, garden stones, and soap.

  • Cook, Can, Bake. "Somehow there's something about a kitchen gift that's infused with so much more than the cost of ingredients," says Craker.

Secondhand. Aim for 20 percent of your gifts to come from resale, consignment or thrift shops, suggests …

Personal Finance Book Review – How To Give Your Kids $ 1Million Each

By: Ashley Ormond

ISBN 978-0-73037-548-7

Book Price: $ 29.95

Senior executive in the finance industry

Ashley Ormond has worked in the finance industry for over 25 years. In this time, he has served as a senior executive in major international banking and finance groups. He has also been a director of several companies including listed, private, charitable and not-for-profit organizations. He has degrees in economic history, law and finance.

A plan to release wealth to our kids

Mr. Ormond reveals a plan to release wealth to our kids. In 9 chapters, he shares, how to find $ 1 per day (Ch. 2) to invest using investment basics (Ch. 4). He also delves deeper into company shares (Ch. 5), property investments (Ch. 6), growing funds over time (Ch. 7), helping your kids to implement his plan (Ch. 8), & other ideas.

Investing $ 1 a day adds up over time to $ 1,000,000

Ashley Ormond shares with a personal tone to educate readers through simple analogies and scenarios. He is an organized and relational writer who discusses his "aim" openly to validate the purpose of his book. Ashley states, "The aim of the $ 1 million is to enable them to do what they really want to do … rather than what they have to."

Mr. Ormond establishes foundations for readers to apply his ideas. His willingness to guide them through the process leads him to share 4 ground rules for building wealth as, "Make regular contributions … Invest the money in growth assets … reinvest all investment earnings in the fund … never spend it. " Powerful clues towards increase!

Readers are confronted with their responsibilities, as in Ashley's advice to invest $ 1 a day, he challenges readers, "Close your eyes, take a deep breath and say to yourself, 'My child's financial future deserves $ 1 per day …'"

Ashley believes in practical application of ideas, hence his provocation towards involving our kids in wealth building, saying, "The earlier they learn good financial habits, the better … the age of 10 is a good time to begin …"

Ormond employs bullet points to quickly connect readers to key information. He does this in the case of keys for gaining wealth, stating, "Wealth comes from: learning some basic rules … having a plan and setting some goals … sticking to the plan." His ideas are clear, simple, and aimed towards provoking readers towards action.

A plan to give our kids $ 1 million that works

Ashley Ormond guides readers through a simple and practical plan to give our kids $ 1 million each. It works!

Success Step: Phone your local bank and set up an appointment with their investment advisor, discuss this review.

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Ruby Ribbon Review: Can You Really Make Money With Ruby Ribbon?

Found in 2011 by Anna Zornosa, Ruby Ribbon is a multi-level marketing company offering wardrobe shapewear . Anna had a vision to combine shapewear with everyday clothing and took action to make this vision a reality by creating this company. During this review I am going to go over some of the products or things that the company has to offer, the business or income opportunity affiliated with the company, answer if you can really make money with their opportunity, explain the cost to get started and how, and then wrap it up with my final thoughts or opinion over everything discussed.

The Thing:

This company offers clothes! Ruby Ribbon offers their clothing products in three categories including Shapewear , Essentials With Shaping, and Fashion Layers. I will name one product in each of their categories' and give a brief explanation for each below!

  1. Shapewear / Full Support Cami – This product comes in black, pink, white, and leopard. It requires no bra and actually has a support system built into it to replace the need for a bra and sells for $ 69.
  2. Essentials With Shaping / Rita Panel Dress – For $ 129 you can get this black and gray dress with a V-neck and short sleeves with a built-in shaping slip.
  3. Fashion Layers / Judi Cardigan – This product can be wrapped in several ways and is designed to be cozy and cool looking for $ 89.

The Opportunity:

The question still remains; Can you really make money with Ruby Ribbon's business or income opportunity? In order to answer this question, I will look into their compensation plan and explain what it's all about. There are quite a few ways you could get paid from marketing this company; However, I will only go over a few.

  1. Commissions – You could earn up to 40% commission on all of your personal sales.
  2. Sponsor – If you sponsor another person into the company to take advantage of the opportunity the same way you are, you could earn up to 10% from their personal sales.
  3. Promote To Leader – If you sponsor someone into the company and help them achieve the status of Leader, you could be able to earn an additional 6% bonus.

To Conclude, Yes, You Can Make Money With Ruby Ribbon's Business Or Income Opportunity!

The Cost:

Just like all businesses, in order to begin you will have to invest! In order to get started with Ruby Ribbon and begin making money you will have to purchase one of their four start-up kits. I will explain all four of them below!

  1. Hello! Kit – $ 199 for this beginners kit that comes with 3 of their best-selling shapewear items, your own personal website, business tools and supplies to get you started, and access to training and support.
  2. BundleKit 1 – $ 399 for this kit that comes with items from the Hello! Kit and their ShowKit . It contains 3 of their best-selling shapewear items, a few

Money Secrets Of The Amish by Lorilee Craker, Personal Finance Book Review – Buying Bulk and Foodies

Challenging economic times inspire people universally to make wise financial decisions while still enjoying life. One culture that has always lived an austere, yet meaningful existence is the Amish. Increasingly, people are inspired by their lifestyle; and seek ways to simplify their own lives.

Lorilee Craker is the author of the new book, "Money Secrets of the Amish-Finding True Abundance in Simplicity, Sharing and Saving." She examines their practices, extravagant in peace, family and community closeness. For them, thrift is a muscle that is exercised regularly.

Craker interviewed Amish folk in Indiana, Michigan and Pennsylvania, including an Amish banker whose clientele is 95 percent Amish. During the Great Recession in 2008, his bank had its best year ever. Amish experts and Englishers' (Amish reference to anyone non-Amish), financial perspectives accentuate the book too. Here, two money-saving habits of the Amish are highlighted: buying in bulk and being authentic foodies.

Amish Foodies (aka Feinschmeckers). Feinschmeckers are Amish foodies-people who eat well and plenty. The Amish love to stick to cheap ingredients, easily accessible in their gardens, root cellars or barns.

Gardening . Gardening is frugal and the epitome of wholesomeness. It's cheaper to buy seeds than it is to purchase vegetables. Gardening can be fun, allowing for time in the sunshine. Its biggest challenge is its time-consuming nature.

Canning. Canning is once again hip in these tough economic times (The inaugural National Can-It-Forward Day was celebrated Saturday, August 13, 2011).

Farm To Table. Buy directly from the farmer and you'll save considerably. Beef and milk from grass-fed livestock, and eggs from land-grazing chickens taste better than their mass-produced counterparts. They're also rich in Omega-3 fatty acids and vitamins A and E. Meat is less fatty than confined cows that eat soybean and corn instead of grass. Farm-to-table businesses promote a slower, kinder, gentler type of food consumption with a shortened food chain.

Community Supported Agriculture. A farmer offers a certain number of "shares" to the public. The shares typically consist of a box (or basket) of vegetables, but may include other farm products too. As a consumer, you purchase a share (aka a "membership" or "subscription"). Each week in return, you receive a box of seasonal produce.

Farmers Markets. Farmers markets are commonplace today. They unite country folk who produce healthy foods in an earth-friendly way and townspeople who pay a little more. When patronizing your local farmers market, keep these tips in mind:

  • Learn what's produced regionally and ask growers about future market offerings. Buy in season.
  • Arrive early and reap the market's best selections.
  • Arrive later in the day and benefit from lowered prices, in exchange for farmers not lugging their wares back home.
  • Be adventurous-buy ethnic, heirloom or rare vegetables. Google recipes.
  • Pre-plan meals and purchase accordingly at the market.
  • Bring durable canvas bags or backpacks for transport and small change to expedite transactions.

Buying In Bulk. The Amish buy in bulk monthly at dry good stores or damaged goods outlets (damaged or expired dated products are still …

Dot Money, By: Eric Majors – Book Review

Author: Eric Majors
ISBN: 978-0986291708
Pages: 245
Genre: Finance / Economics
This book is about a new currency.

Dot Money is a revolutionary look at the way America deals with money. Eric Majors, a financial markets expert, details a provocative new way to change the American economy that will benefit the rich and the poor alike.

Majors explains how the American economy has not benefited everyone, and how that can be changed with his new economic system. The poor and middle-class have stagnant wages while inflation increases. Even the wealthy are disadvantaged by being at the mercy of an unpredictable stock market.

Majors' solutions to the problems of the economy are varied and unique new ways to reinvent the economy. Majors proposes that Dot Money could be used as a virtual currency similar to Bitcoin that can help stabilize the global economy. He proposes a mix of conservative and liberal economic theories to help the economy. Majors wants the United States to produce more money to stop borrowing from other countries to reduce debt. The author advocates ending the income tax to help spur economic growth. Majors also hypothesizes about issuing a monthly stipend to low-income Americans to help revitalize the economy.

Dot Money is a book that will undoubtedly spark conversation about the state of the American economy. Majors presents a cohesive plan that is as spiritual as it is financially sound. The spiritual aspects of the book makes Dot Money a perfect book for people who want financial advice with a spiritual side, similar to the books by money expert Dave Ramsey.

This book is also a rare financial book that does not have a political agenda. Fans of conservative economist Adam Smith and followers of liberal economist John Maynard Keynes will both find aspects of Dot Money that they will agree with wholeheartedly. Majors makes complex economic issues easy to understand with his uncomplicated, real-world examples about the global economy in his book. Even readers who are not financial experts will be educated by Dot Money.

This book would be an excellent addition to any reader's finance or economics book collection. Fans of economist writers like Paul Krugman will want to read Dot Money. Majors also has created a timely book that will further the conversation about virtual currency in a global economy. For anyone trying to understand our modern economy and its globalized structure, this book is a must read!

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A Review of Have More Money Now

John Layfield's book "Have More Money Now" which was published in 2003, caught my attention years ago when he had been on CNBC giving financial advice and even contributed to Fox News. John Layfield is also known as JBL, and was a professional wrestler; It was different seeing a professional wrestler in a suit giving a serious commentary about finances.

Layfield's story is a little different. He never had to overcome being in debt, but he did go through many years of not having very much money. In fact there were plenty of times when he had no money. When he had to quit playing football he got into professional wrestling. However, wrestling for him was far from the glamor you see on television. He was paid $ 3.00 for one match when starting out. Sometimes he made $ 10.00 or $ 25.00 for a match. He gives a great account of the struggles he went through while trying to make it in the wrestling business.

John Layfield does not mention in his book if he consciously made choices when he was younger that stopped him from accumulating debt. He just did not spend money he did not have. As he says many times in the book when referring to delayed gratification "have when you have". If he had to live in a tent or go without heat he would do it. He only bought the necessities he needed with the money he had. Many of the promotions he worked for would provide him some kind of meager accommodations while he wrestled for them, but he was not making much money at all back then. By living only on whatever cash he earned he saved himself from the problems of accumulated debt.

Some of the lessons learned in "Have More Money Now" by John Bradshaw Layfield

-Forget the past. Focus on the future. Whatever happened in the past can not be changed. Rather than sweating over what you should have done, focus on what you can start doing now. How can you reduce your expenses, increase your income, or increase your financial education ?

-Don't be average. Do what you care about and excel at it. If you are doing what you want to do, you will work at it much harder and that passion dramatically improves your chances of being successful.

-Delayed Gratification ("Have when you have") Layfield stressed "living within your means" many times and he certainly practiced what he preached. For years he struggled to make enough money just to buy basics. Even though times were hard he never went into debt buying things he simply wanted. Part of his success came from avoiding the trap of debt.

-Poor choices and behaviors will cause debt . Layfield says, "The key to being out of debt is to first stop incurring debt". Old habits have a tendency to lead you into spending more than you should be.

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The Smart Woman's Guide to Planning for Retirement by Mary Hunt – Personal Finance Book Review

Money maven, Mary Hunt, returns with a new book, "The Smart Woman's Guide to Planning for Retirement," to help women prosper financially in the New Year and beyond. While geared toward females, men can also benefit from Hunt's money knowledge, honed after she amassed over $ 100,000 in debt earlier in life; and took 13 years to erase.

"Have you had a retirement wake-up call?" Hunt asks early in the book. "I can promise you they intensify with age."

Hunt sites a 2012 survey that found that 92 percent of women of all ages do not feel educated enough to reach their retirement savings goals.

Saving for retirement requires determination and hard work; and Hunt believes women can succeed. "If we lack confidence, it's because we lack knowledge and desire, certainly not because we lack intelligence and ability," Hunt says.

Time trumps all factors when saving for retirement. The sooner you start, the better. But, Hunt emphasizes, regardless of what stage you are in life, you must begin now. "It's only too late if you don't start now. No matter where you are or how little you think you have, start now. Today. Start. Saving." Take baby steps to produce long-term results.

Hunt's teachings feature:

Retirement Savings Plan . Hunt promotes a six-step Retirement Savings Plan, which includes:

Build an emergency fund. Also known as a Contingency Fund. Save money for life's unexpected expenses (car repairs, home repairs, etc.) This money needs to be liquid (easily accessible within two or three days), safe from erosion (build in a risk-free savings account) and able to fund at least six months of living expenses should a job loss or other compromised income event occur.

Get out of debt. Eliminate all unsecured debt (credit card debt, student loans, personal loans). Hunt says they're like cancer stealing your future. Incorporate Hunt's Rapid Debt-Repayment Plan (RDRP) to abolish the debt.

Own your home outright . Buy half as much house as your mortgage approval. Make monthly mortgage payments equal to the full approval amount to own your residence in half the time. Fiercely protect your home equity (the difference between your home's market value and mortgage balance). Avoid taking a home equity loan or line of credit, which resets the clock on a thirty-year mortgage.

Consider hiring a financial planner once debt is eradicated or managed, a respectable amount in savings is amassed, retirement funds are growing, or an IRA inheritance or other cash windfall appears.

Hunt describes three types of financial planners:

  1. Commission-based. This planner does not charge based on time, but by selling investment products. He or she earns commissions on those sales.
  2. Fee-based. This planner works on a fixed fee or charges by the hour. Fees are stated up front and the planner is a registered investment advisor (RIA). They're required by law to meet fiduciary standards, making them responsible for putting the best interests of their clients first.
  3. Combo. This planner is a combination of the first two. Clients pay a

The Business of the 21st Century: Review

Robert Kiyosaki, the author of the best-selling series of "Rich Dad, Poor Dad" books has recently published a new book. This is a review of this latest book, "The Business of the 21st Century."

He introduces the book:

"In The Business of the 21st Century, I'm going to show you why you need to build your own business, and exactly what kind of business. But this isn't just about changing the type of business you're working with; It's also about changing you. I can show you how to find what you need to grow the perfect business for you, but for your business to grow, you will have to grow as well. "

The premise of this book is that you can STILL experience success in business. Despite the "tough times" that are present due to the worldwide economic crisis, fortunes will be made.

But the qualifier is that you must choose wisely.

It is a current reality that American workers are competing with workers in every country in the world. Many of these workers are HAPPY to do the same work for one-tenth (or less) of your current wage!

For this reason – and many more economic factors – we are living in an era of unprecedented unemployment levels. The rates are often correlated to "The Great Depression" but that is not a fair comparison.

While the percentages of people who are unemployed may be similar to Depression levels, we live in a completely different world. The level of education, technology, and mobility are a hundred times more advanced that in the 1930's. And yet, tens of millions of Americans are unemployed – or "underemployed" and working in jobs far below their education and experience. This is especially true of "Baby Boomers" who have very slim chances of matching their old jobs.

Robert Kiyosaki touches on this realityin his description of "The Cash Flow Quadrant". He says ALL income earners fall into one of four categories, or four corners of "The Cash Flow Quadrant".

The four divisions are:

Employee: These people are looking for a good job with benefits. They are also 100% at the mercy of their employers, who are at the mercy of global competition. The goal of every employee is to have some money left after paying all their expenses.

Self-Employed: These are small business owners and sole proprietors, characterized by "Mom and Pop" stores and service providers. Unfortunately, many displaced workers have tried to open a business only to find that they merely "bought" themselves a 100-hour per week job. They also quickly learn that when they stop working they stop earning.

Business owner: These people understand that maximum earning potential is only attainable by leveraging the efforts of many, many more. A business builder creates a "machine" that operates around the clock, without their direct input in every stage of the process.

One of the HUGE differences in the wealth creation potential of a business owner is the legal and ethical ability to record …

A Valuable Review of "Alternative Investing: Making Money Outside the Stock Market"

During the economic recession in September and October 2008, most investors lost a lot of money due to a huge banking crisis which caused the stock market to crash. For those with most of their money in the stock market, the crash became a catastrophic nightmare. In many cases, people lost everything, not just in the stock market, but in most other investments as well.

In 2012, financial investigator, Robert Cancellaro published a book that challenges what most investors would say, "Nope". "Bad idea", "Won't work." Alternative Investing: Making Money outside the Stock Market introduces a revolutionary idea that "collectibles" are better investments than traditional investments, like the stock market. Collectibles have no financial ties to the stock market, but they have the financial strength to make money.

Cancellaro investigates seven categories of collectibles that have historically gone up in value. The following categories are known as tangible assets – items you can hold and definitely hold onto autographs, postage stamps, precious metals and coins, comic books, sports cards, and investment-grade wine. Why did the author choose these "misfit" collectibles as investments? Answer: They have consistently outperformed the S & P 500 by a large margin.

All seven categories include their own lists of specific items that have consistently increased in value over their lifetime and have held steady appeal to those who have bought them. However, before you buy anything, it's important to learn as much about collectibles as you can. The Internet has an endless number of resources; the most important ones are included in Cancellaro's book. In addition to the Internet, you can visit and search libraries or bookstores to look for books that contain general information and price guides.

The keys that drive collectibles' values ​​are based on the fact they are tangible. In other words, it can be touched, making them a part of the law of low supply and high demand. So, the items in Cancellaro's list are hard to find yet they are popular and many people want them, which increases their value. For some collectibles, their conditions are extremely important; the better the condition, the more valuable it might be. The items in Cancellaro's lists are expensive. If you want the item, you may have to pay a lot, but its value will most likely go up over a period of time. Above all, time is your most important ally because the longer you keep it the more value it adds to your collectible. So it is important to protect your collection safely from the elements and stay in the same condition you bought it.

Autographs, postage stamps, precious metals and coins, comic books, sports cards and investment-grade wine can become part of your investment strategy. You should not always trust the stock market; it can go up just as much as it can go down, whereas collectibles' values ​​have remained more stable. Obtaining information is a must for buying trustworthy collectibles that keep their value. Not only is it a sensible …

Q Sciences Review: Can You Really Make Money With Q Sciences?

Q Sciences is a multi-level marketing company founded in 2013. They are in the health, wellness and fitness industry and have up to 50 employees. Q Sciences is also a privately held company with their headquarters in Utah. Additionally, they offer a business or income opportunity for those interested in potentially making an income from marketing their products or the company itself. During this review I will go over some of the things or products that they offer, the business or income opportunity and if you can actually make money from it, the cost to get started, and then my final thoughts or opinion over the entire company.

The Thing:

The products they offer are for health, wellness and fitness while being scientifically backed from 15 universities in 4 countries. Their products are based around their three word purpose which is to Purify, Optimize, and Protect! In order to discover prices for most of their products you will need to get in touch with an Enroller with the company!

  1. EMPowerplus Q96 – This product or thing is a dietary supplement designed to support mood stability, improve cognition, overall brain function, and contains 36 vitamins and minerals.
  2. HQO – This has a very odd name but it’s essentially power water! This product provides clean and safe water rich with nutrients and is designed to strengthen your immune system, support healthy aging, and maximize body hydration.
  3. Qssentials – This product can come for both men and women but essentially do and provide the same things. It is designed to be the ultimate package of amino acids, vitamins, and minerals that promotes mood stability and overall brain functioning.

Remember to contact a Q Sciences Enroller for prices!

The Opportunity:

The question still remains; can you really make money with Q Sciences’ business or income opportunity? In order to answer this question I will examine and explain their compensation plan in which they refer to this as “The Infinity Plan”. The opportunity, however, is simple. You join the company and then are able to potentially earn an income. There are a total of 11 ways you could earn an income with Q Science. I will explain a few below!

  1. Retail Sales Profit – This is a weekly payout that pays you the difference when a customer orders your product. Therefore, if you purchase a product from Q Sciences for $20 and re-sell that product for $40, you keep the remaining $20 as profit.
  2. Quick Start Bonus – This is also a weekly payout but only occurs for the first 30 days of you beginning your business. It is paid from the Personal Volume of any of your new enrollees and preferred or retail customers.
  3. Global Leadership Pools – From this payout you could earn a fraction of the entire company’s income volume. In order to achieve this you must be 1 of 5 of the highest levels or ranks in the company. As an example, if you are a Ruby level or rank,