The Mortgage Kit: Select the Right Loan, Lock in the Lowest Rate, Negotiate the Best Terms (Mortgage Kit)
Average customer rating: 4.5 out of 5 stars
  • Very helpful
  • No that Bad
  • Mortgage Kit provides insight in a way you can understand
The Mortgage Kit: Select the Right Loan, Lock in the Lowest Rate, Negotiate the Best Terms (Mortgage Kit)
Thomas C. Steinmetz
Manufacturer: Kaplan Business
ProductGroup: Book
Binding: Paperback

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ASIN: 1419584367
Release Date: 2006-11-01

Amazon.com

Contrary to popular belief, most Americans' largest purchase is not their home. It is their mortgage, since the interest paid over the life of a home loan is usually more than the price of the home itself. And selecting a mortgage can be even more confusing that choosing a home. The fourth edition of The Mortgage Kit explains the intricacies of all the latest financing options in great detail. This can be heavy going, but worthwhile. Author Thomas C. Steinmetz notes that mortgage costs vary widely from lender to lender. Thousands of dollars may be saved by knowing how to compare rates, discount points, and fees to find the best buy. --Barry Mitzman

Book Description

Saving money. It’s what home loan shopping is all about. And nothing helps you save money and secure the best deal like The Mortgage Kit. By guiding you through the entire mortgage process—from applying to refinancing—this proven bestseller is your one-stop mortgage guide.

Bursting with Internet information designed to put you in the driver’s seat, The Mortgage Kit includes an all-new, time-saving Internet resource guide, advice on applying for a mortgage on the Internet, and tips on finding a lender online. And, The Mortgage Kit is packed with hands-on charts, graphs, and worksheets that have helped tens of thousands of homebuyers successfully navigate the mortgage maze. Mortgage guru Thomas Steinmetz leaves no stone unturned by revealing:

-Money-saving strategies for applying for a mortgage

-Tips on handling problems that may affect mortgage qualification

-Strategies on comparison mortgage shopping

-The ins and outs of reverse mortgages

Customer Reviews:

5 out of 5 stars Very helpful.......2000-10-06

This book is great for your average Joe who is planning to buy or refinance a home. It is written in simple English with a minimum amount of technical language. As a first time home buyer looking to educate myself, I found it very helpful.

4 out of 5 stars No that Bad.......2000-04-06

If only for the calculators and the formulas you should pick this book up. Of all the mortgage books I've read this one has the best charts, calculators. etc. to help you figure out what you can afford and how much your monthly bill will be. It also has an incredible formula to help you compare the many fixed rates that you will be bombarded with. So if you are receiving rates of 7, 7.5, 8 3/8 plus 1, 1 1/2 and 2 points you will be able to calculate the APR for EACH of these different fixed rates. No book that I have read has included such a formula. The book paid for itself just because of this one item.

5 out of 5 stars Mortgage Kit provides insight in a way you can understand.......1999-12-05

Most books about mortgages quickly lose your attention because they are written in a way that only insiders can understand. This book explains the process in a way most people can comprehend.

I used this book to train myself when I got into the mortgage industry. As a manager in a mortgage company, I use this book as a training tool for mortgage loan officers, so they learn to describe the process and loan programs in a way that the general public can understand.

The Mortgage Kit provides a detailed explanation of the entire mortgage process in every day language. It provides great inside tips for consumers about all different aspects of getting a mortgage. Including how to know whether or not your mortgage lender is treating you fairly, and important insights that will protect you from being taken for a ride.

All of the important basics are covered; from what your lender will look at when deciding whether or not to approve your loan, to the paperwork you need to pull together before going to apply for a loan and choosing the best mortgage program for your own needs.

The book is well organized in its layout. It is educational if you read it cover to cover. But more importantly, it's laidout in a way that allows you to find the topics you have questions about easily, so you can focus on learning the answers to them.
The National Home Mortgage Qualification Kit: How to Quality for & Obtain the Mortgage Money You Need - Guaranteed!
Average customer rating: Not rated
    The National Home Mortgage Qualification Kit: How to Quality for & Obtain the Mortgage Money You Need - Guaranteed!
    Benji O. Anosike
    Manufacturer: Do-It-Yourself Legal Publishers
    ProductGroup: Book
    Binding: Paperback

    Public FinancePublic Finance | Economics | Business & Investing | Subjects | Books
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    MortgagesMortgages | Real Estate | Business & Investing | Subjects | Books
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    ASIN: 0932704417
    The National Home Mortgage Reduction Kit: How to Cut Your Mortgage in Half & Own Your Home Free and Clear in Just a Few Short Years
    Average customer rating: Not rated
      The National Home Mortgage Reduction Kit: How to Cut Your Mortgage in Half & Own Your Home Free and Clear in Just a Few Short Years
      Benji O. Anosike
      Manufacturer: Do-It-Yourself Legal Publishers
      ProductGroup: Book
      Binding: Paperback

      Public FinancePublic Finance | Economics | Business & Investing | Subjects | Books
      GeneralGeneral | Business & Investing | Subjects | Books
      MortgagesMortgages | Real Estate | Business & Investing | Subjects | Books
      ASIN: 0932704425
      Loan By U offering do-it-yourself kit to understand mortgages : An article from: Boulder County Business Report
      Average customer rating: Not rated
        Loan By U offering do-it-yourself kit to understand mortgages : An article from: Boulder County Business Report
        Cara Newman
        Manufacturer: Boulder Business Information Corporation
        ProductGroup: Book
        Binding: Digital
        ASIN: B000BE3P2K
        Release Date: 2005-09-12
        The Mortgage Kit: Select the Right Loan, Negotiate the Best Terms, Lock in the Lowest Rate, Understand All Your Options
        Average customer rating: Not rated
          The Mortgage Kit: Select the Right Loan, Negotiate the Best Terms, Lock in the Lowest Rate, Understand All Your Options
          Thomas C. Steinmetz , and Phillip Whitt
          Manufacturer: Kaplan Publishing
          ProductGroup: Book
          Binding: Paperback

          GeneralGeneral | Business & Investing | Subjects | Books
          MortgagesMortgages | Real Estate | Business & Investing | Subjects | Books
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          ASIN: 0793116767
          BULLISH on GROWTH.(Kit Sumner, new president of the Mortgage Bankers Association) : An article from: Mortgage Banking
          Average customer rating: Not rated
            BULLISH on GROWTH.(Kit Sumner, new president of the Mortgage Bankers Association) : An article from: Mortgage Banking
            Janet Reilley Hewitt
            Manufacturer: Mortgage Bankers Association of America
            ProductGroup: Book
            Binding: Digital

            GeneralGeneral | Business & Investing | Subjects | Books
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            ASIN: B00099OTLI
            Release Date: 2005-07-28

            Book Description

            This digital document is an article from Mortgage Banking, published by Mortgage Bankers Association of America on October 1, 1999. The length of the article is 5919 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

            Citation Details
            Title: BULLISH on GROWTH.(Kit Sumner, new president of the Mortgage Bankers Association)
            Author: Janet Reilley Hewitt
            Publication: Mortgage Banking (Magazine/Journal)
            Date: October 1, 1999
            Publisher: Mortgage Bankers Association of America
            Volume: 60 Issue: 1 Page: 100

            Distributed by Thomson Gale
            Creating a new MBA. (interview with Kit Sumner, CEO of CrossLand Mortgage and vice president of Mortgage Bankers Association of America)(includes related ... An article from: Mortgage Banking
            Average customer rating: Not rated
              Creating a new MBA. (interview with Kit Sumner, CEO of CrossLand Mortgage and vice president of Mortgage Bankers Association of America)(includes related ... An article from: Mortgage Banking

              Manufacturer: Mortgage Bankers Association of America
              ProductGroup: Book
              Binding: Digital

              GeneralGeneral | Business & Investing | Subjects | Books
              GeneralGeneral | Business & Investing | Subjects | e-Docs | Formats | Books
              GeneralGeneral | Business & Investing | HTML | Formats | e-Docs | Formats | Books
              ASIN: B00098BDAY
              Release Date: 2005-07-28

              Book Description

              This digital document is an article from Mortgage Banking, published by Mortgage Bankers Association of America on September 1, 1998. The length of the article is 3656 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

              Citation Details
              Title: Creating a new MBA. (interview with Kit Sumner, CEO of CrossLand Mortgage and vice president of Mortgage Bankers Association of America)(includes related article on the Strategic Plan approved by the MBA Board of Governors)(Interview)
              Publication: Mortgage Banking (Magazine/Journal)
              Date: September 1, 1998
              Publisher: Mortgage Bankers Association of America
              Volume: v58 Issue: n12 Page: p82(6)

              Article Type: Interview

              Distributed by Thomson Gale
              The Home Buyer's Kit, 4th ed. (book reviews): An article from: Mortgage Banking
              Average customer rating: Not rated
                The Home Buyer's Kit, 4th ed. (book reviews): An article from: Mortgage Banking
                Dona DeZube
                Manufacturer: Mortgage Bankers Association of America
                ProductGroup: Book
                Binding: Digital

                GeneralGeneral | Business & Investing | Subjects | Books
                GeneralGeneral | Business & Investing | Subjects | e-Docs | Formats | Books
                GeneralGeneral | Business & Investing | HTML | Formats | e-Docs | Formats | Books
                ASIN: B000988726
                Release Date: 2005-07-28

                Book Description

                This digital document is an article from Mortgage Banking, published by Mortgage Bankers Association of America on March 1, 1998. The length of the article is 861 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

                Citation Details
                Title: The Home Buyer's Kit, 4th ed. (book reviews)
                Author: Dona DeZube
                Publication: Mortgage Banking (Magazine/Journal)
                Date: March 1, 1998
                Publisher: Mortgage Bankers Association of America
                Volume: v58 Issue: n6 Page: p116(2)

                Article Type: Book Review

                Distributed by Thomson Gale
                Missed Fortune 101: A Starter Kit to Becoming a Millionaire
                Average customer rating: 4 out of 5 stars
                • Unlike some advisors Mr. Andrew walks his talk!
                • Please be careful...
                • Utter Garbage
                • What your Life Insurance Agent hopes you NEVER read
                • Promissing theme but not a panacea
                Missed Fortune 101: A Starter Kit to Becoming a Millionaire
                Douglas R. Andrew
                Manufacturer: audible.com
                ProductGroup: Book
                Binding: Audio Download
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                1. Missed Fortune: Dispel the Money Myth-Conceptions--Isn't It Time You Became Wealthy? Missed Fortune: Dispel the Money Myth-Conceptions--Isn't It Time You Became Wealthy?
                2. Ordinary People, Extraordinary Wealth: The 8 Secrets of How 5,000 Ordinary Americans Became Successful Investors--and How You Can Too Ordinary People, Extraordinary Wealth: The 8 Secrets of How 5,000 Ordinary Americans Became Successful Investors--and How You Can Too
                3. Stop Sitting on Your Assets: How to Safely Leverage the Equity Trapped in Your Home and Transform It Into a Constant Flow of Wealth and Security Stop Sitting on Your Assets: How to Safely Leverage the Equity Trapped in Your Home and Transform It Into a Constant Flow of Wealth and Security
                4. The Last Chance Millionaire: It's Not Too Late to Become Wealthy The Last Chance Millionaire: It's Not Too Late to Become Wealthy
                5. New Life Insurance Investment Advisor: Achieving Financial Security for You and your Family Through Today's Insurance Products New Life Insurance Investment Advisor: Achieving Financial Security for You and your Family Through Today's Insurance Products

                ASIN: B000LMPDOK

                Book Description

                From financial expert Douglas R. Andrew comes an extraordinary book that challenges the most basic and fundamental concepts of personal investing in a user-friendly format.In the 30 years Douglas R.Andrew has worked as a successful financial analyst, lecturer, and retirement consultant, he has routinely questioned and challenged the accepted tenets of personal finance. His conclusions are absolutely startling. In 23 informative chapters, Andrew reveals his no-nonsense, yet unconventional, financial growth strategies that challenge widespread money myths and make his clients rich with advice like: * You shouldn't pre-pay your mortgage* Don't expect your 401Ks and IRAs to cover retirement* You can (and should) buy a home with no money down* and more!Originally self-published as MISSED FORTUNE (Paramount Publications, 7/03) and targeted towards a more professional financial audience, the first edition of this book sold 10,000 copies. In 4/04, it was published in Warner Business Books trade paperback (0-446-69350-2). This new hardcover edition has been significantly condensed to appeal to the average personal investor.

                Customer Reviews:

                5 out of 5 stars Unlike some advisors Mr. Andrew walks his talk! .......2007-10-02

                I have had the occasion to meet Douglas Andrew and he is his own biggest client. He seems to be one of the most straight forward, straight shooting people I have ever met. I was a stock broker with my insurance license, a mortgage wholesale rep, as well as a real estate broker and I have to say the strategies that are espoused in this book are all... right on! Hey, nothing is completely risk free but this comes close. I took my own home equity out [by selling my home] before the prices went down. I am glad I did. Most of it I will put into this strategy over the next 4 years and some will be saved for a down payment when I think housing prices have bottomed. When that home goes up I will take the equity out and start another plan like this. It makes little if any sense to have your home equity sitting there doing nothing. I mean would I leave $100K or more sitting in my checking account, earning zip? NOT! Well money that was sitting in my own home was making me nothing. It's the same to me. Hey, if I can borrow at a simple interest rate and have it accumulate and grow [even tax favored maybe] and compound over time into a large sum, I am all for it. The idea of using home equity to grow wealth is not new but until now I have never seen a strategy that I was comfortable with. This book turns life insurance upside down and shows us how to maximum fund a contract and therefore use it as a great 'living' benefit rather than buy the most death benefit for the least amount of money and possibly outlive the insurance just when we are nearing the 'benefit', if you want call it that, since one has to die to get it. But let's face it, we all need life insurance and I know no better way to have it. The way Mr. Andrew explains it, if structured properly Uncle Sam is paying for it. The strategies in this book are varied and flexible. He also shows us how our qualified plans [401K, IRA, 403b, etc] may very well not be serving our best interest. This book is a must read for anyone that is willing to think for themselves [outside the box] and especially if you have been around long enough to understand what Douglas Andrew means when he says 'sometimes it's what we don't know that we don't know that can hurt us.'

                2 out of 5 stars Please be careful..........2007-10-02

                I think I would sign up for this if I had a lot of money and have as a small part of my portfolio - but for the most of us this would mean putting all our eggs in one basket, and not be able to take them out again.

                I had 2 telephone appointments with the author's son contemplating signing up with their method. I expressed our concerns about our liquidity if another disaster of some sort happens. When 9/11 happened our income went down significantly for 1-2 years afterwards, and if it happened again we would not be able to pay the much higher mortgage we would have if we re-financed according to his plan. He swiftly explained that we would just file for bankruptcy(!). We have worked hard for ten long years putting our sweat equity into making our little house our dream home that we never want to leave - you can't buy a view like ours for a mortgage of $800/month anymore - why would we want to gamble with that?? The negative amortization loan he suggested would easily be covered by the continually rising house values here in Southern California, he explained. I protested that nothing can keep going up and up forever, and I didn't want to sit with an upside-down situation in my house at re-finance time. He didn't agree - just look at history he said - it keeps going up! Fast forward a few weeks and the whole foreclosure heaven came down, and our house is worth a good $100.000 less than just a year before...

                Boy are we happy we didn't put blinders on and get too gullable!
                We will find another way to provide for our retirement, thanks.

                Also his projections of payouts in retirement are not adjusted for inflation so it really doesn't tell you much. $70k might sound like enough today but what will it be in 30 years...?

                Please look into your options, consult a few traditional financial planners and ask them to explain the differences and in particular the high fees associated with this method. We found out that we'd be pretty well off just by investing the difference between our current mortgage payment and the one we would have re-financed to. Also have an equity line on your house and you will have the liquidity the book tells you you can't have unless you go with their method.

                1 out of 5 stars Utter Garbage.......2007-10-01

                Every flimflam man knows that the con must be carefully layered around a kernel of truth for credibility. Missed Fortune 101 by Doug Andrew succeeds in this by wrapping a number of preposterous ideas and prevarications around three basic and true axioms. They are: (1) income is taxed in what are essentially "chunks," (2) the only relevant tax rate for decision making is the marginal rate, and (3) tremendous wealth can be created by borrowing at one rate and investing at a higher rate. Everything else in this book is not only utter nonsense, but potentially lethal to one's financial health.

                The author arrives at two basic conclusions. We should borrow out of our homes and invest the proceeds at a higher rate. Universal life insurance serves as Andrew's means to this end. We should also suffer the consequences of withdrawing from our IRAs and other retirement plans now rather than later, since the tax from such withdrawals will only get worse. Naturally, the leftover funds (heavily diluted by taxes) should be invested in the same insurance policies, which supposedly offer a higher--and safer--yield than whatever the retirement plans were invested in. By page 5, I realize I'm reading a book-length sales pitch and con that has the potential to wreak havoc in my clients' lives (disclosure: I've been an Enrolled Agent tax professional and Certified Financial Planner licensee for almost three decades).

                Anything this full of nonsense is difficult to critique. Short of writing a book-length retort, I've settled on the idea of listing the multitude of problems by category and providing examples from each.

                A far more comprehensive review is available at my personal sites; just Google my name to find me. This is an abstract from that review. Serious readers will want to check out my books to see what links may exist between financial abuse and the field of addiction. You may wish to start with Drunks, Drugs & Debits: How to Recognize Addicts and Avoid Financial Abuse or Alcoholism Myths and Realities: Removing the Stigma of Society's most Destructive Disease.

                Highly misleading examples
                (2) "A $6,000 interest expense deduction on an itemized tax return has the same impact as a $6,000 qualified plan contribution. They are simply reflected in different sections of the return." Aside from numerous other issues, the tax savings from the interest deduction may be zero if you don't already itemize deductions.

                (3) He implies that ordinary investors can double their money for 20 periods by comparing one dollar pre-tax and one dollar taxed-as-earned, doubling each "period" for 20 such "periods." The number of humans who have done this or something equivalent numbers perhaps a few thousand, which wasn't accomplished by investing in insurance contracts.

                Faulty and twisted logic
                (4) "...Your home may likely sell much more quickly and for a higher price with a high mortgage balance rather than a low mortgage balance." What the heck does the balance on my mortgage have to do with what a buyer is willing to pay me for my house?

                Broad, sweeping and misleading generalizations
                (2) Andrew advises that we all sell our homes and repurchase with 100% financing with the goal of freeing up equity to invest in his recommended universal life policies. He ignores the higher interest and property mortgage insurance costs on such loans, overlooks possible increased property taxes and disregards fixed transaction and moving costs.

                (4) "Unfortunately, non-spouse heirs far too often end up with only about 28 percent of the money that was left in their parents' IRAs and 401(k)s." This is scare-mongering.

                Questionable predictions and grand assumptions
                (3) "Conservatively, [our cozy retirement] cabin will double in value every ten years..." and our $100,000 cabin will be worth "$800,000 in thirty years." Very few areas in the country even during the late real estate boom of the last three decades have done that well. What would qualify as "aggressively"?

                Assertions and generalizations that may be lethal to your retirement
                (1) "Home equity has no rate of return when it is trapped in the house..." This is outright nonsense. The return is what you save in interest or rents.

                (5) He concludes that if not done before, "roll-outs" from IRAs commence at age 59 ½ over a five year period and that some younger people under age 50 should commence withdrawals despite the imposition of early withdrawal penalties. The value of tax-deferred growth is ignored, as is the fact that "repositioning" of funds shrink the amount available for investment by the tax paid, which greatly distorts his calculations.

                Inane or incorrect assertions
                (2) He states that the interest on an equity line used to purchase universal life insurance from which you contemplate borrowing is deductible. Under IRC section 264(a)3, it isn't).

                Sloppy editing of facts
                (2) "One requirement [for withdrawing tax-free income from a Roth IRA] is that a distribution may not be made until at least five years after the first contribution is made." This is incorrect. Principle contributions, which are withdrawn before earnings, can be taken at any time at no cost in tax or penalty.

                Poor writing and berating of those who disagree with him
                (2) "There are two ways to handle information: ignore it as false or increase your level of understanding to accommodate new ideas." Obviously, we are supposed to accommodate his ideas or we're complete idiots.

                (3) There are probably hundreds of examples poor writing. "...Premium payments can be varied, fluctuated, and adjusted according to circumstances..." should be, simply, "Premiums can be adjusted."

                Throughout, Andrew uses variations of the typical bunko-artist salesman ploy: scare you into agreeing to do whatever he says because life will be filled with disasters if you don't. On the contrary: your financial life will likely turn into a catastrophe if you do.

                1 out of 5 stars What your Life Insurance Agent hopes you NEVER read.......2007-10-01

                When did Life Insurance become a good Investment?
                Did they stop charging those 90% plus commissions on target premiums?
                When did the Life Insurance Agent become a charitable organization?

                Anyone who is believing this so called NEW way of thinking is either really bad with math or simply does NOT understand Life Insurance. There is a REASON you don't see REAL professionals using this concept they KNOW the TRUTH!!!

                What is the ROI on my home Equity? MORE THAN ANY LIFE POLICY!!!!

                After you learn how to subtract out all the commissions and fees, then the REAL cost of the death benefit, loan fees for your house loan fees for the life policy let's sit down and compare which approach works best. Having my house free and clear with NO COMMISSIONS to pay, no loans, and no INCREASING internal costs for the life insurance will BEAT any Life Policy I GUARANTEE IT!

                Here is a shocker to reality. If you bought into this BS and mortgaged your house and placed the money into a life policy order a current statement for your policy showing the SURRENDER CASH VALUE in the first year, HOW MUCH did you LOSE? Then look at the 5th year how much have you LOST? Tenth year? Do the REAL MATH find out the REAL FACTS.

                LIFE INSURANCE is one of the HIGHEST commissioned products in the financial industry if not the HIGHEST FACT! Where do you think that money comes from, YOUR POCKET. 90% first year target premium commission and then about 6% commission each year thereafter. Do the math if the insurance company is paying out 90% of the first year target premium in commissions and 6% each year how long does it take for YOU to make MONEY or even breakeven on your so called investment? It will take OVER 20 YEARS!

                Here is a little KNOWN FACT there are currently MANY so called experts out there today TRAINING for a large fee many other life insurance agents and mortgage brokers how to SELL LARGE COMMISSIONED life insurance policies. They don't care if you need a policy or NOT they only care about SELLING a policy. Check the facts. Some are even paying for cruises for Seniors then encouraging them to apply for insurance. IT IS HIGHLY PROFITABLE to someone BUT NOT YOU the policyholder.

                You will see many lawsuits in the coming years from these abuses when the you know what finally hits the fan.

                By the way did you know that it was illegal for you stock broker to encourage you to take out a mortgage to buy an REAL INVESTMENT? It should also be illegal for Insurance Agents but it's not, well not YET, time will tell.

                I wish more people would ask the harder questions before believing this new line of BS.

                FACTS: Insurance agents make about a 30-50% commission on term life insurance and around 90-95% commission on whole life products. Keep in mind that this is the first year commission on the premium and subsequent year commissions are much lower with an average of 6% per year for whole life products and 4% per year on term life insurance products.

                One of the great problems with whole life is only an expert can tell if a policy you own or are considering will ever become a decent investment. James Hunt, actuary for the Consumer Federation of America, who has analyzed thousands of policies, notes that whole life policies hardly ever yield a reasonable return unless held for 20 years or more.
                So if you buy one be prepared to pay into it for the very long haul.
                The key to a whole life policy is its internal rate of return -- the yield on the policy after all fees and charges are subtracted. A competent analysis can determine at a minimum whether the weight of the fees and charges built into one of these policies will ever allow a worthwhile return. Such an analysis will also pinpoint the minimum amount of cash value that you can derive from a policy at any given time interval.
                Some financial planners, actuaries and accountants can perform internal rate of return analysis on your policy. The Consumer Federation has a service that will do this, calculating the real return year by year and comparing it with other investments.

                2 out of 5 stars Promissing theme but not a panacea.......2007-09-30

                Folks, this book will not apply to most readers.
                I really wanted to understand and believe the method of this book because I certainly could benefit from it. The theme is to extract equity from your home(s) now before the bubble deflates. Then you invest it into insurance products for a guaranteed return. The whole book builds the reader up to find that magical solution, which climaxes at the end with a table of financial calculations.

                Here is the problem with this method. His base figures are unrealistic to start with. Current rates for equity extraction (home loan/credit or refinance) are *higher* than what he uses in his tables. The returns from a fixed insurance contract are much *lower* than his tables. If you plug realistic figures into the calculations you will see this method barely makes sense.

                There are many huge disadvantages to this method. First the upfront and yearly fees are so expensive it does not make sense to withdraw your money for at least 6 to 7 years should you need it. Second, you are paying a price for the guaranteed fixed return in the term of management fees which lower your return. If you invested in a regular taxed mutual fund, over a long period of time you will always do better than the insurance fixed return. Third, insurance contracts are not wise vehicles for passing on wealth to beneficiaries. Sure there is a payout, but should you live far past your average life expectancy, the majority your accumulated funds go into the insurance company's vault forever! Fourth, the method mentioned in the book is convoluted and is in part based on a series of tax loopholes. That means, as the author does acknowledged, the legality and advantages may change or vanish over time.

                With all these drawbacks, why was the book written?
                This book is essentially a sales pitch disguised as a presentation of logic and calculations. But as mentioned, the figures used for the foundation of the calculations are simply not realistic.

                Financial planners make their biggest commissions on insurance products. The author is a financial planner.

                Most financial gurus (Susy Orman, etc.) dislike insurance contracts and advise that individuals plan their own investments.

                However, for those who would like a lower fixed return for a price and are less concerned about passing on their wealth to beneficiaries, this method could possibly apply.


                Father Effects: How Your Father Influenced Who You Are and Who You Love
                Average customer rating: 5 out of 5 stars
                • Father Effects - How it changed my Life
                Father Effects: How Your Father Influenced Who You Are and Who You Love
                Shari R. Jonas
                Manufacturer: PageTurner Publishers
                ProductGroup: Book
                Binding: Paperback

                CommunicationsCommunications | Skills | Business & Investing | Subjects | Books
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                Interpersonal RelationsInterpersonal Relations | Relationships | Health, Mind & Body | Subjects | Books
                Love & RomanceLove & Romance | Relationships | Health, Mind & Body | Subjects | Books
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                Accessories:
                1. Braun IRT 4020 ThermoScan Ear Thermometer Braun IRT 4020 ThermoScan Ear Thermometer

                ASIN: 0973177101

                Book Description

                Based on one of the most important womens surveys of all time, Father Effects is the guide to understanding the profound impact of the father-daughter relationship. It is filled with highly personal, deeply moving true stories of womens relationships with their fathers and the types of men they are attracted to. Learn the truth behind why women are so affected by their fathers and discover the underlying reasons why women make their relationship choices. Father Effects is for every woman who has ever wondered how her father has influenced her self-image and her relationship choices. It is for every woman who knows her father has had a negative impact on her life and is now ready to work through her recurring and troubling issues. Finally, for every mother whose daughter is having difficulty with her dad and for every father who wants to understand his influence on his daughter, this is the guide.

                Customer Reviews:

                5 out of 5 stars Father Effects - How it changed my Life.......2003-09-08

                Shari Jonas writes a profound book on how fathers can shape the path and dictate the men their daughters marry. If you want to be warry of this important correlation and 'decide for yourself' you need to read this book. It may save your life path and educate you in the way of father daughter psychology.

                Management Practice in Dietetics
                Average customer rating: Not rated
                  Management Practice in Dietetics
                  Nancy R. Hudson
                  Manufacturer: Brooks Cole
                  ProductGroup: Book
                  Binding: Hardcover

                  Business & InvestingBusiness & Investing | Subjects | Books | Accounting | Audiobooks | Biography & History | Business Life | By Publisher | Economics | Finance | General | Industries & Professions | International | Investing | Job Hunting & Careers | Management & Leadership | Marketing & Sales | Organizational Behavior | Personal Finance | Popular Economics | Real Estate | Reference | Skills | Small Business & Entrepreneurship | Women & Business
                  GeneralGeneral | Nutrition | Health, Mind & Body | Subjects | Books
                  Diet TherapyDiet Therapy | Alternative & Holistic | Medicine | Subjects | Books
                  GeneralGeneral | Medicine | Subjects | Books
                  NutritionNutrition | Nursing | Medicine | Subjects | Books
                  Diet TherapyDiet Therapy | Alternative Medicine | Medical | Professional & Technical | Subjects | Books
                  NutritionNutrition | Nursing | Medical | Professional & Technical | Subjects | Books
                  All TitlesAll Titles | Qualifying Textbooks - Fall 2007 | Stores | Books
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                  MedicineMedicine | Qualifying Textbooks - Fall 2007 | Stores | Books
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                  1. Community Nutrition in Action: An Entrepreneurial Approach (with InfoTrac®) Community Nutrition in Action: An Entrepreneurial Approach (with InfoTrac®)
                  2. Krause's Food, Nutrition and Diet Therapy (Food, Nutrition & Diet Therapy ( Krause's)) Krause's Food, Nutrition and Diet Therapy (Food, Nutrition & Diet Therapy ( Krause's))
                  3. Foodservice Organizations: A Managerial and Systems Approach (6th Edition) Foodservice Organizations: A Managerial and Systems Approach (6th Edition)
                  4. Food-Medication Interactions (FOOD MEDICATION INTERACTIONS) Food-Medication Interactions (FOOD MEDICATION INTERACTIONS)
                  5. Advanced Nutrition and Human Metabolism (with InfoTrac ) Advanced Nutrition and Human Metabolism (with InfoTrac )

                  ASIN: 0534516572

                  Book Description

                  MANAGEMENT PRACTICE IN DIETETICS, SECOND EDITION, merges all the areas of management practices in dietetics and foodservice into a unified whole, looking at management from a conceptual perspective and then citing examples of how the concepts apply to the various specialty areas. The text examines the wide-range of experiences managers face, from learning the terminology to understanding the choices and experiences associated with management practice. Whether being introduced to the aspects of management for the first time or returning to refresh their skills, this text covers the basics of what one needs to know in order to be a successful manager.
                  HIV Nursing and Symptom Management (Jones and Bartlett Series in Oncology)
                  Average customer rating: 5 out of 5 stars
                  • Excellent reference work for HIV clinicians
                  HIV Nursing and Symptom Management (Jones and Bartlett Series in Oncology)
                  MARY E., ED. ROPKA
                  Manufacturer: JONES & BARTLETT PUBLISHERS
                  ProductGroup: Book
                  Binding: Paperback

                  GeneralGeneral | Nutrition | Health, Mind & Body | Subjects | Books
                  AIDSAIDS | Disorders & Diseases | Health, Mind & Body | Subjects | Books
                  GeneralGeneral | Science | Subjects | Books
                  AIDS & HIVAIDS & HIV | Diseases | Medicine | Subjects | Books
                  GeneralGeneral | Medicine | Subjects | Books
                  GeneralGeneral | Nursing | Medicine | Subjects | Books
                  Medical & SurgicalMedical & Surgical | Nursing | Medicine | Subjects | Books
                  Nurse & PatientNurse & Patient | Nursing | Medicine | Subjects | Books
                  Internal MedicineInternal Medicine | Medicine | Subjects | Books | Cardiology | Critical Care | Endocrinology & Metabolism | Gastroenterology | General | Hematology | Hepatology | Infectious Disease | Nephrology | Neurology | Oncology | Pulmonary | Rheumatology | Urology
                  GeneralGeneral | Nursing | Medical | Professional & Technical | Subjects | Books
                  Medical & SurgicalMedical & Surgical | Nursing | Medical | Professional & Technical | Subjects | Books
                  Patient EducationPatient Education | Nursing | Medical | Professional & Technical | Subjects | Books
                  All TitlesAll Titles | Qualifying Textbooks - Fall 2007 | Stores | Books
                  Similar Items:
                  1. Hiv/Aids: A Guide to Primary Care Hiv/Aids: A Guide to Primary Care
                  2. ANAC's Core Curriculum for HIV/AIDS Nursing ANAC's Core Curriculum for HIV/AIDS Nursing

                  ASIN: 0763705446

                  Book Description

                  HIV Nursing and Symptom Management covers diverse aspects of the clinical care of individuals with HIV infection. This book emphasizes the management of common clinical problems or symptoms. Written by a team of experts, this book uniquely combines evidence-based content with clinical expertise to provide the basis for the most current, effective care. Incorporating the latest HIV pharmacological regimens and HIV treatment recommendations, including protease inhibitors and combination therapy. This book provides both state-of-the-science and state-of-the-art clinical content for all health care practitioners who care for individuals with HIV infection.

                  Customer Reviews:

                  5 out of 5 stars Excellent reference work for HIV clinicians.......1999-01-14

                  The second unit of this book is its essence, providing a comprehensive discussion of the common clinical problems associated with HIV infection. Sections are either system-focused i.e. neurologic, respiratory, hematologic, skin or symptom-focused i.e. nutrition-related, fecal incontinence, psychosocial responses, fatigue, sleep alterations, pain, etc. The system-focused sections discuss system-specific problems, for example, neurological manifestations addresses confusion and delirium, memory loss and dementia, and the like. While not addressing every possible nuance of HIV-related problems, the authors are comprehensive and thorough with common manifestations of HIV disease, offering clear definitions, scientific bases for problems and the etiologies related to HIV infection and its treatment. The guidelines for both subjective and objective assessment are succinct, clear and complete, as are the differentials.
                  Evaluation & Management of Obesity
                  Average customer rating: Not rated
                    Evaluation & Management of Obesity
                    Daniel Bessesen , and Robert F. Kushner
                    Manufacturer: Hanley & Belfus
                    ProductGroup: Book
                    Binding: Paperback

                    GeneralGeneral | Nutrition | Health, Mind & Body | Subjects | Books
                    GeneralGeneral | Medicine | Subjects | Books
                    NutritionNutrition | Special Topics | Medicine | Subjects | Books
                    Family & General PracticeFamily & General Practice | Specialties | Medicine | Subjects | Books
                    Endocrinology & MetabolismEndocrinology & Metabolism | Internal Medicine | Medicine | Subjects | Books
                    GastroenterologyGastroenterology | Internal Medicine | Medicine | Subjects | Books
                    Endocrinology & MetabolismEndocrinology & Metabolism | Internal Medicine | Medicine | Medical | Professional & Technical | Subjects | Books
                    Family PracticeFamily Practice | Internal Medicine | Medicine | Medical | Professional & Technical | Subjects | Books
                    NutritionNutrition | Basic Sciences | Medical | Professional & Technical | Subjects | Books
                    All TitlesAll Titles | Qualifying Textbooks - Fall 2007 | Stores | Books
                    ASIN: 1560534699

                    Book Description

                    Designed to be a concise, clinically useful guide to the evaluation and management of overweight and obese patients, this book will cover a range of topics that are relevant for primary care physicians, nurse practitioners/physician assistants, primary care residents, and medical students. The authors are all practicing MDs, dieticians, and PhDs who work with overweight and obese patients. They discuss practical issues that have been helpful for them when seeing these patients. It will provide focused, clinically useful information that the healthcare provider can immediately put to use in the office.
                    Office Management of Obesity
                    Average customer rating: Not rated
                      Office Management of Obesity
                      George Bray , and W. B. Saunders
                      Manufacturer: Saunders
                      ProductGroup: Book
                      Binding: Hardcover

                      GeneralGeneral | Nutrition | Health, Mind & Body | Subjects | Books
                      GeneralGeneral | Administration & Policy | Medicine | Subjects | Books
                      GeneralGeneral | Medicine | Subjects | Books
                      NutritionNutrition | Special Topics | Medicine | Subjects | Books
                      Family & General PracticeFamily & General Practice | Specialties | Medicine | Subjects | Books
                      GeneralGeneral | Administration & Medicine Economics | Medical | Professional & Technical | Subjects | Books
                      NutritionNutrition | Basic Sciences | Medical | Professional & Technical | Subjects | Books
                      Family PracticeFamily Practice | Internal Medicine | Medicine | Medical | Professional & Technical | Subjects | Books
                      All TitlesAll Titles | Qualifying Textbooks - Fall 2007 | Stores | Books
                      MedicineMedicine | Qualifying Textbooks - Fall 2007 | Stores | Books
                      ProfessionalProfessional | Qualifying Textbooks - Fall 2007 | Stores | Books
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                      1. The Fifteen Minute Hour: Practical Therapeutic Intervention in Primary Care The Fifteen Minute Hour: Practical Therapeutic Intervention in Primary Care
                      2. Principles of Ambulatory Medicine (Principles of Ambulatory Medicine (Barker)) Principles of Ambulatory Medicine (Principles of Ambulatory Medicine (Barker))

                      ASIN: 0721606474

                      Book Description

                      This book addresses the prevalence and risks of obesity and how primary care physicians should approach evaluation and treatment for the obese patient. Chapters include succinct explanations on the prevalence of obesity, how food intake leads to weight gain, and how the primary care physician should treat the obese patient, including new drug therapies, the risks and benefits of herbal preparations, and behavioral modifications. George Bray is a renowned expert in the field of obesity, and has brought many of obesity's "big players" into the book as contributors. The chapters are current, concise, and review the most relevant information in the field.
                      American Dietetic Assoc Guide to Private Practice: An Introduction to Starting Your Own Business
                      Average customer rating: Not rated
                        American Dietetic Assoc Guide to Private Practice: An Introduction to Starting Your Own Business
                        Ann S. Litt
                        Manufacturer: American Dietetic Association
                        ProductGroup: Book
                        Binding: Paperback

                        GeneralGeneral | Business & Investing | Subjects | Books
                        GeneralGeneral | Diets | Diets & Weight Loss | Health, Mind & Body | Subjects | Books
                        Practice Management & ReimbursementPractice Management & Reimbursement | Administration & Policy | Medicine | Subjects | Books
                        NutritionNutrition | Special Topics | Medicine | Subjects | Books
                        Practice Management & ReimbursementPractice Management & Reimbursement | Administration & Medicine Economics | Medical | Professional & Technical | Subjects | Books
                        NutritionNutrition | Basic Sciences | Medical | Professional & Technical | Subjects | Books
                        All TitlesAll Titles | Qualifying Textbooks - Fall 2007 | Stores | Books
                        Accessories:
                        1. Tanita BC533 Glass Innerscan Body Composition Monitor Tanita BC533 Glass Innerscan Body Composition Monitor

                        ASIN: 0880913479

                        Book Description

                        This introductory guide is the ideal resource for any dietetic professional considering private practice. By incorporating checklists, self-assessments, sample forms and real-life examples from successful practitioners, the authors provide an honest look at the challenges and rewards of going out on your own. Topics include: the pros and cons of private practice, choosing a business structure, advisors for your practice, office space, marketing, networking and accepting payment, including reimbursement considerations for your services.
                        Dietetic Practitioner Skills: Nutrition Education, Counseling, and Business Management
                        Average customer rating: Not rated
                          Dietetic Practitioner Skills: Nutrition Education, Counseling, and Business Management
                          Katharine Curry Bartley
                          Manufacturer: Macmillan Pub Co
                          ProductGroup: Book
                          Binding: Paperback

                          GeneralGeneral | Diets | Diets & Weight Loss | Health, Mind & Body | Subjects | Books
                          GeneralGeneral | Exercise & Fitness | Health, Mind & Body | Subjects | Books
                          GeneralGeneral | Science | Subjects | Books
                          Food ScienceFood Science | Agricultural Sciences | Science | Subjects | Books
                          GeneralGeneral | Medicine | Subjects | Books
                          GeneralGeneral | Food Sciences | Agricultural Sciences | Professional Science | Professional & Technical | Subjects | Books
                          ASIN: 0023264500
                          Evidence based practice guidelines for the nutritional management of cancer cachexia.: An article from: Nutrition & Dietetics: The Journal of the Dietitians Association of Australia
                          Average customer rating: Not rated
                            Evidence based practice guidelines for the nutritional management of cancer cachexia.: An article from: Nutrition & Dietetics: The Journal of the Dietitians Association of Australia
                            Gale Reference Team
                            Manufacturer: Thomson Gale
                            ProductGroup: Book
                            Binding: Digital

                            GeneralGeneral | Cooking, Food & Wine | Subjects | Books
                            Cooking, Food & WineCooking, Food & Wine | Subjects | e-Docs | Formats | Books
                            ASIN: B000KB8DR6
                            Release Date: 2006-11-02

                            Book Description

                            This digital document is an article from Nutrition & Dietetics: The Journal of the Dietitians Association of Australia, published by Thomson Gale on September 1, 2006. The length of the article is 1524 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

                            Citation Details
                            Title: Evidence based practice guidelines for the nutritional management of cancer cachexia.
                            Author: Gale Reference Team
                            Publication: Nutrition & Dietetics: The Journal of the Dietitians Association of Australia (Magazine/Journal)
                            Date: September 1, 2006
                            Publisher: Thomson Gale
                            Volume: 63 Issue: 3 Page: S5(3)

                            Distributed by Thomson Gale
                            Evidence based practice guidelines for the nutritional management of chronic kidney disease.: An article from: Nutrition & Dietetics: The Journal of the Dietitians Association of Australia
                            Average customer rating: Not rated
                              Evidence based practice guidelines for the nutritional management of chronic kidney disease.: An article from: Nutrition & Dietetics: The Journal of the Dietitians Association of Australia
                              Gale Reference Team
                              Manufacturer: Thomson Gale
                              ProductGroup: Book
                              Binding: Digital

                              ManagementManagement | Management & Leadership | Business & Investing | Subjects | Books
                              ManagementManagement | Business & Investing | Subjects | e-Docs | Formats | Books
                              ASIN: B000JJ3VGW
                              Release Date: 2006-10-09

                              Book Description

                              This digital document is an article from Nutrition & Dietetics: The Journal of the Dietitians Association of Australia, published by Thomson Gale on September 1, 2006. The length of the article is 5707 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

                              Citation Details
                              Title: Evidence based practice guidelines for the nutritional management of chronic kidney disease.
                              Author: Gale Reference Team
                              Publication: Nutrition & Dietetics: The Journal of the Dietitians Association of Australia (Magazine/Journal)
                              Date: September 1, 2006
                              Publisher: Thomson Gale
                              Volume: 63 Issue: 3 Page: S35(11)

                              Distributed by Thomson Gale
                              Handbook for Clinical Nutrition Services Management
                              Average customer rating: Not rated
                                Handbook for Clinical Nutrition Services Management
                                M. Rosita Schiller , Judith A. Gilbride , and Julie O'Sullivan, Ph.D. Maillet
                                Manufacturer: Aspen Pub
                                ProductGroup: Book
                                Binding: Hardcover

                                GeneralGeneral | Diets | Diets & Weight Loss | Health, Mind & Body | Subjects | Books
                                GeneralGeneral | Nutrition | Health, Mind & Body | Subjects | Books
                                Social Services & WelfareSocial Services & Welfare | Poverty | Current Events | Nonfiction | Subjects | Books
                                GeneralGeneral | Medicine | Subjects | Books
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                                1. Becoming an Effective Health Care Manager: The Essential Skills of Leadership Becoming an Effective Health Care Manager: The Essential Skills of Leadership

                                ASIN: 0834201933
                                Medical Mishaps: Pieces of the Puzzle
                                Average customer rating: Not rated
                                  Medical Mishaps: Pieces of the Puzzle
                                  Marilynn M., Ed. Rosenthal
                                  Manufacturer: OPEN UNIVERSITY PRESS
                                  ProductGroup: Book
                                  Binding: Hardcover

                                  GeneralGeneral | Nutrition | Health, Mind & Body | Subjects | Books
                                  Practice Management & ReimbursementPractice Management & Reimbursement | Administration & Policy | Medicine | Subjects | Books
                                  Public HealthPublic Health | Administration & Policy | Medicine | Subjects | Books
                                  Basic ScienceBasic Science | Medicine | Subjects | Books | Anatomy | Biochemistry | Embryology | General | Genetics | Histology | Immunology | Microbiology | Nosology | Pathophysiology | Physiology
                                  GeneralGeneral | Medicine | Subjects | Books
                                  GeneralGeneral | Physician & Patient | Medicine | Subjects | Books
                                  Medical EthicsMedical Ethics | Physician & Patient | Medicine | Subjects | Books
                                  Practice Management & ReimbursementPractice Management & Reimbursement | Administration & Medicine Economics | Medical | Professional & Technical | Subjects | Books
                                  GeneralGeneral | Public Health | Administration & Medicine Economics | Medical | Professional & Technical | Subjects | Books
                                  Health Care AdministrationHealth Care Administration | Administration & Medicine Economics | Medical | Professional & Technical | Subjects | Books
                                  ASIN: 0335202594

                                  Book Description

                                  This book explores what we know about the incidence, causes and aftermath of medical mishaps. Increasingly the medical profession is being expected to review the performance of doctors more rigorously and systematically and to adopt proactive approaches to the management of risk. Little is known about how often medical mishaps occur, the proportion which are preventable and the impact of the mishap on those involved. Contributors to this volume are all experts in their field who can reveal something about medical mishap puzzles from a UK and international perspective. Medical mishaps are traced from their genesis and cause through to the impact they have on doctors, patients, managers, educators and those responsible for the resolution of complaints and medical negligence disputes arising from them. This volume is unique in bringing together a number of different voices. The contributions are multi-disciplinary and report both empirical studies of these phenomena as well as the experiences of those who have to deal with medical mishaps on a day to day basis.

                                  A Passion for Success: Practical, Inspirational, and Spiritual Insight from Japan's Leading Entrepreneur
                                  Average customer rating: 5 out of 5 stars
                                  • An inspirational book with frequent bursts of wisdom
                                  • Every leader should read this book
                                  • An Absolute Must Read!
                                  • This is THE book
                                  A Passion for Success: Practical, Inspirational, and Spiritual Insight from Japan's Leading Entrepreneur
                                  Kazuo Inamori
                                  Manufacturer: McGraw-Hill Companies
                                  ProductGroup: Book
                                  Binding: Hardcover

                                  Motivation & Self-ImprovementMotivation & Self-Improvement | Business Life | Business & Investing | Subjects | Books
                                  GeneralGeneral | Business & Investing | Subjects | Books
                                  ManagementManagement | Management & Leadership | Business & Investing | Subjects | Books
                                  EntrepreneurshipEntrepreneurship | Small Business & Entrepreneurship | Business & Investing | Subjects | Books
                                  Similar Items:
                                  1. For People-And for Profit: A Business Philosophy for the 21st Century For People-And for Profit: A Business Philosophy for the 21st Century
                                  2. The Diamond Cutter: The Buddha on Managing Your Business and Your Life The Diamond Cutter: The Buddha on Managing Your Business and Your Life

                                  ASIN: 0070317844

                                  Book Description

                                  Written in the distinguished tradition of Tao of Leadership, this guide is an ideal fusion of inspiration and incomparable business genius, revealing an approach to wisdom and success considered revolutionary and refreshing even in Japan. Each of its key principles for the enrichment of business and personal life is supported by anecdotes drawn from Dr. Inamori's vast experiece. Topics include: his reflections on: Ability; Effort; Attitude; Profit; Ambition; Sincerity; Strength; Innovation; Optimism; Never Give Up.

                                  Customer Reviews:

                                  4 out of 5 stars An inspirational book with frequent bursts of wisdom.......2001-11-13

                                  Kazuo Inamori's book is highly inspirational in its evocation of "passion" as the underpinning driver of success in life. In all fields of social endeavour, it is the most passionate individuals who stand out, and ultimately achieve success. We see this in the sporting arena (Muhammad Ali, Leyton Hewitt), in business (Richard Branson, Jack Welsh), and in politics.

                                  Inamori's book is divided up into two parts. Part one provides a series of insights on "How to Succeed in Life", covering the following key areas: ability, effort, attitude, and success. His central thesis is that success = effort x ability x attitude. Most of us tend to see success as the result of effort and ability, but overlook the power of maintaining a positive attitude. Inamori urges the reader not to overlook the immense power that a positive attitude can have, both in terms of attracting support for our goals, and in terms of building and maintaining our own self esteem.

                                  The second part of this book focuses on "How to Succeed in Business" and covers the following eight areas; passion, profit, ambition, sincerity, strength, innovation, optimism, and 'never give up'.

                                  Above all else, this book contains genuine bursts of insight that will enrich the perspective of most readers. Unlike so many self-help products that promise the earth and deliver disappointment, this book is as close as the thinking person will get to "the real deal".

                                  I would put this book on the same shelf with "The Witch Doctors" by Micklethwait & Wooldridge, and "Dangerous Company" by O'Shea & Madigan - all of these are excellent business books, and stand out as unique and valuable contributions to our understanding of the meaning of success in today's modern world of work.

                                  5 out of 5 stars Every leader should read this book.......2001-05-29

                                  I've never written one of these reviews, but this is one of the treasured books in my library. I've owned it since it came out and continually refer to it for advice and council. I have also given it to many customers. Kyocera's website is also an inspiring to place to see how Mr. Inamori put his philosophy to work to bring a legacy of business success worldwide. His people-practices would change the world if practiced.

                                  5 out of 5 stars An Absolute Must Read!.......1999-07-27

                                  This is a great book! Whether you read it straight through for the inspiration or read a section a day (usually only a page in length) as a meditation guide, just read it and absorb it. Give it to your boss, give it to your customers, give it to your peers, give it to your team members, even give it to your family. All will be better for it.

                                  5 out of 5 stars This is THE book.......1999-05-21

                                  I bought this book back in 1995, and after much reflection and numerous business/leadership books, I must say Mr. Inamori is still in a class of his own. Though he teaches seemingly oversimplified concepts, it is indeed the correct concepts--if there is such a thing. Correct, for example, in that you can leave the world knowing your grandchildren will be proud that you existed. If you're familiar with Maslow hierarchy of needs: when you're reading this book, you will have no doubt that the author is at or above the self actualization stage, which I must say 90% of all the so called gurus of business don't seem to be in. The concept that you should speak from your heart, not implementing certain "techniques" in public speaking rings true for me personally. I'm grateful for such a gift from Mr. Inamori.

                                  Books:

                                  1. The New Economic Analysis of Multinationals: An Agenda for Management, Policy and Research (New Horizons in International Business Series)
                                  2. The New York Times Dictionary of Money and Investing: The Essential A-to-Z Guide to the Language of the New Market
                                  3. The Price of a Dream: The Story of the Grameen Bank
                                  4. The Tsarist Economy, 1850-1917
                                  5. The WTO and the Multilateral Trading System, Past, Present and Future
                                  6. Theories of New Regionalism: A Palgrave Reader (International Political Economy)
                                  7. Translation and Globalization
                                  8. Travels in the Skin Trade: Tourism and the Sex Industry
                                  9. Undergraduate Econometrics
                                  10. Understanding Financial Statements: A Journalist's Guide

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