Money RX your prescription for financial success

Money RX your prescription for financial success ISBN: 9781534631649, CreateSpace Independent Publishing Platform, an e-book by Joseph C. Newtz.

Generally described, the author has presented and discussed to varying degrees such diverse matters as life, property, casualty and disability insurance, Social Security benefits, checking and savings, the money market, certificates of deposit, annuities, IRA’s, real estate, employer participation in savings/health plans, stocks and bonds. He also has included various areas for investment – utilities, energy, technologies, aspects of the medical/pharmaceutical, etc. In the discussions he has attempted to present a picture of the intricacies of combining all of these individual elements into a meaningful pattern of investments that will satisfy your goals. Suggestions have been offered with respect to: emphasis on the importance of setting YOUR goals to meet YOUR desires and expectations with special regard to truthfully examining them to make sure the parameters are realistic; consider your age of commencement; adhere strictly to the pattern you have chosen to reach your goals; do your homework; stick to ‘the “Rules of the Game’ with respect to asset location; be patient; rebalance your portfolio when necessary BUT know when and how to do it; be aware of adjustments that must be made with changing economies; and especially don’t be greedy because “Bulls and Bears make money, but pigs get slaughtered”. Further suggestions are offered in Chapter 9 by a long list of ‘what not to do’, and the simple, logical recommendation is offered that if you cannot afford the considerable time it takes to be prepared to make the best possible decision with respect to making the best decision, it would be wise to search for a competent advisor BUT with the further caveat that this by no means is an easy task because of the reasons he describes and reiterates throughout his presentation.

Discussion: The author has set forth an introductory course for aiding the neophyte investor through the labyrinthine course of investing that is replete with cogent suggestions and advice. He also has provided an excellent caveat for the investor who timewise cannot properly prepare and maintain a sufficient level of expertise to be successful in his/her endeavors – obtain an advisor you can trust. Further he has provided recommendations as to how to find such a person which even with his suggestions would appear to be a most difficult task to say the least. The author’s presentation does not provide many of the exact details for which the confused investor endlessly seeks. However, he perhaps has provided as much detailed material as is possible on this constantly shifting subject. Thus, he most probably should be considered very thoughtfully because: 1) as described, he is an investment counselor or adviser with an apparent excellent reputation of long standing in the profession; 2) perhaps even more importantly, he seems to be a person who sincerely is interested in aiding the investor through the labyrinthine course of investing and has provided seemingly the best advice possible to aid in finding such a person.

5* for most individuals seeking financial success.

Confessions of a Neighbor

Confessions of a Neighbor ISBN: 9780998012902, Plum Tree Press, an e-book by Heather Nadine Lenz.

Plot: A prologue describes Ella struggling to survive in freezing water while attempting to save her very young daughter from drowning. The actual tale then begins with a lovely seventeen-year-old who was struggling with a massive load of problems: 1) the recent loss of her only family, her mother and most loving grandmother. 2) the three had moved constantly to different cities/countries because her mother was ‘fleeing the Russian Mafia’; 3) she is struggling to attempt to succeed in ballet, like her mother who was a featured ballerina in several ballet companies. 4) she had no idea of her father’s identity; 5) money was scarce, necessitating her working as a waitress while attempting to maintain her ballet training schedule; 6) she was attempting to deal not only with the overriding depressing effects of losing the two most important people in her life, but also had absolutely no supportive friends; 7) she mistakenly becomes involved in a relationship with a neighbor that gradually develops into a devastating nightmare; 8) the fact that she ultimately discovers that her mother suffered from a delusional problem which adds still another dimension to her distress The story gradually unfolds describing the manner in which each of the problems eventually is met and dealt with and provision of further detail would be a great disservice to the prospective reader.

Discussion: The author has produced a volume that provides an intriguingly convoluted plot that certainly would have been highly placed on Oprah Winfrey’s recommended reading list. It has all of the elements of a suspenseful thriller with abundant elements for sustained emotional stress being suffered by an unsophisticated young woman.

5* for devotees of suspenseful emotional thrillers involving an appealing, naive young woman.