People Missing in the Woods

People Missing in the Woods, an e-book published, copyright and written by Steph Young.

The author has collected the stories of a considerable number of individuals who have disappeared under strange circumstances in numerous countries throughout the world. Occasionally their bodies have been recovered after varying amounts of time after they were reported missing – and even in positions repeatedly visited by searchers. Even more strangely, some reportedly did not even provide a hint of the cause of death. Most have been in areas far removed from ‘civilization’ and many in sections referred to by local residents as ‘haunted’ or other such description such as Arizona’s Superstition Mountains and the Scottish Mores. The tales also include a number of strange encounters similar to other tales of UFO’s and strange ‘aliens’ with all, no matter in what part of the world encountered, being described with remarkably similar body and facial/head structures.

Discussion: An interesting accumulation of stories that would benefit from editing to remove repetition and perhaps provide, where available, more than just cursory autopsy findings and forensic details.

3*     4*Interesting reports; 3* for reasons described.

Budgeting

BUDGETING, an e-book published, copyright and written by Noel Bradshaw.

Subtitled “How to take control of your money, reduce debt and start living” the book then presents a legal notice declaring copyright, a disclaimer notice declaring innocence of any expressed or implied warranties and non-responsibility for any losses incurred from reading the document. There follows a Table Of Contents, an Introduction, 6 pertinent chapters and a conclusion. The introduction acknowledges the complexity and extensive range provided by the subject but indicates that the basics are the subject of this book. Chapter One then explains that a person must begin “to first get a big picture what it (the budget) is part of, which is personal finance management.” It continues by discussing “needs”, “current position” and “future needs”, explains “cash flow” and elements affecting it and introduces “Budgeting”. Chapter Two explains differences between “good” and “bad” debts and “Budgeting and Debts”. Chapter Three details the importance of having a plan and the importance of “mindset”. Four concentrates on minimizing expenses, expands on the importance of mind set, stresses the need to set goals and stick to them, discusses the difference between needs and wants and suggests alternative means of saving/gaining extra monies. Chapter five is about “Investing in Your Future” specifying simple formulas for saving for the future and risk factors to be considered. Chapter Six considers the subject of “Bad Debts”, the need to address them, how best to handle them and considerations for gaining additional income. The Conclusion offers hope that the author’s suggestions will be helpful to the reader. Two Annexes are provided – A: “Sample Contingent Savings Approach Budget”; B: “Sample Prioritized Savings Approach Budget”.

Discussion/Conclusion: The author, as indicated, has attempted to provide the basics of ‘Budgeting’ in a quite simplistic manner directed toward the neophyte and/or the individual who is prone to ‘let things slide’ and/or the one who may be inclined toward being overly influenced by action of peers.

4* Simply presented discussion probably helpful for targeted audience.