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Most people aren't enjoying their money. Trapped in boring jobs and weighed down with debt, they can't seem to get ahead. Enjoy Your Money can help you

* get out of debt and accumulate wealth
* get ahead, even when the work you love doesn't produce big bucks
* find your strengths and passions and make a living with them
* live a more fulfilled life.

Readers love its combination of solid research with an entertaining story line, making it the ideal financial book for people who don't like financial books. It's also a great gift for employees or graduates.

Review

"Had I read this book in my 20's, I'd be financially independent today. It's a remarkable blend of fabulous research with clear and lively writing. You'd pay an expert quite a sum for this caliber of counsel. That's why I say that the best investment you make this year just might be this book. Your second best investment will be the copies you buy for your children." (Dr. Dwight "Ike" Reighard, former Executive Vice President and Chief People Officer, HomeBanc - One of Fortune's 100 Best Places to Work, four years in a row)

Review

"As a practicing CPA and financial counselor for the past 35 years, I've read scores of books and periodicals on personal finance. Just when you think you've heard it all, something like this comes along. It's rare and refreshing to find a book so enjoyable, so accurate, and so life-changing. I'm purchasing hundreds of copies to give away to graduating seniors." (Larry Winter, Winter & Scoggins CPA's; Certified Valuation Analyst, Certified Fraud Examiner, Personal Financial Planning Specialist)

Review

"A fast, fun read with practical and often remarkable insights. Should be required reading for every high school senior and every young adult who's landed his or her first full-time job. I'm incorporating parts of the book into my lectures." (Robert A. Martin, MBA, CPA, Lecturer of Accounting in the prestigious Coles College of Business at Kennesaw State University, founder of a tax and consulting firm)

Review

"Every young person should read this book! It's the first time I ever laughed out loud (repeatedly!) and darn near cried while reading a financial book. And, the content is so practical that I find myself routinely reflecting on the principles in my daily money decisions. I am thoroughly impressed with the scope of information covered in this book and consider it, by far, the most valuable book on finances I've ever read." (Callie C. Brown, author of The Complete Guide to Investing in Gold and Precious Metals)

Author Bio

J. Steve Miller - educator, investor, entrepreneur and speaker - has taught audiences from Atlanta to Moscow. He's known for drawing practical wisdom from serious research and communicating it in accessible, unforgettable ways. His wife, Cherie, and their seven sons continually remind him what works and what doesn't.

Did you know that the banks make more money if they foreclose rather than modify?

Did you know there are over 1 million Americans searching for the terms "loan modification help" on Google each month? You are not alone.

After a two year struggle with my lender (yes..I did not make mortgage payments for two years!) I finally got the modification I needed and saved my home!

Stop or Stall Your Foreclosure will help you navigate this complex problem that so many Homeowners are struggling with. This book will aid you in strategizing the best options for saving your home and will give you some peace of mind.

I've taken the knowledge I gained from working with a highly regarded legal consumer advocate and I'm spilling all the dirty secrets that the mortgage industry and the banks would rather you not know.

Here's what you'll find in this easy to read, conversational book:

Ch 1: Introduction
The story of my two year battle with one of the biggest (and most corrupt) mortgage loan servicers.

Ch 2: The Dirty "BIG" Secret

Ch 3: Stop Paying Your Mortgage

Ch 4: The Foreclosure Process (Judicial vs. Non-Judicial)

Ch 5: Modifications - What To Know Before You Apply!

Ch 6: HAMP - Formula for Determining Eligibility

Ch 7: Apply and Re-apply for HAMP

Ch 8: Traditional In-House Modifications - Eligibility Formula

Ch 9: How to Write an Effective Hardship Letter

Ch 10: Produce the Note Strategy

Ch 11: Quiet Title Actions & Forensic Audits

Ch 12: The Bankruptcy Option

Ch 13: Unemployment, Deed in Lieu and Short Sales

Ch 14: Why You Need to Continue Paying HOA Dues

Ch 15: Avoiding Scams

Ch 16: How to Find an Effective Attorney

Ch 17: Psychological Effects

Ch 18: How to Combat Financial Stress

Ch 19: Afterword

Ch 20: Sample Documents and Examples

Arm yourself with knowledge to fight for your home and your financial future today.

Homer called it a divine substance. Plato described it as especially dear to the gods. As Mark Kurlansky so brilliantly relates here, salt has shaped civilization from the beginning, and its story is a glittering often surprising part of the history of mankind. So valuable that it has often served as currency and still does in places today, salt inspired the earliest trade routes across unknown oceans and the remotest deserts. Wars have been fought over salt, and while salt taxes secured empires across Europe and Asia, they have also inspired revolution - Gandhi's salt march in 1930 began the overthrow of British rule in India. From the rural Sichuan province where the last home-made soya sauce is made to the Cheshire brine springs that supplied salt around the globe, Mark Kurlansky has produced a kaleidoscope of world history, a multilayered masterpiece that blends political, commercial, scientific, religious and culinary records into a rich and memorable tale.

No one can teach you what home you would like to live in, that will be up to you. What I can show you is what homes will increase the most in value. What homes could be gems in the rough that others may not see. How to determine what improvements will increase the value of your investment. Where to find properties which will be the best value. Ways to convince sellers to give you the best price. Which creative techniques you see on late night TV work and which do not.

This book was written with the concept that as a soon to be home owner, or second home owner, you want to know "Everything You Must Know" but do not want to spend your valuable time studying endless long manuals with information which you will never use. Experts tend to write everything they know rather than what the student is looking for. In plan and easy to understand language we will walk together in fun ways to help you gain the "mindset" of home buying.

Chapter overview:

1. Real Estate, An Investment
   Examines other investments to demonstrate the value of money, the expected return on investment and the value of today's money tomorrow.
2. What Is Real Estate?
   Discuses the concepts behind property rights and the types of rights which can be purchased.
3. Who Are The players?
   Lists the people whom you will be dealing with and what their tasks and responsibilities are in the transfer.
4. Transaction
   A step by step example sales transaction showing what is going on behind the scenes.
5. Finding Value
   Concepts on value and demographics.
6. Highest And Best Use
   Using the approach of increasing value to speculate which properties will increase the most in value, both short term and long term.
7. Finding Properties
   Lists innovative ways to find undervalued homes which may be unseen by others.
8. Types Of Deals
   Types of contracts to acquire property.
9. Fixer-Uppers
   Discuses construction to determine if a home needing repair is worth the cost or if your intent is a short term "flip" whether it will be profitable.
10. Credit
   Ways to improve your credit rating to get the lowest possible interest rates.
11. Financing
   Types of loans and what clauses have the most influence and how to negotiate for what works in your situation.
12. Creative Financing
   Some of the more imaginative and sometimes risky ways that loans have been formulated.

Whether you are looking for your own home to live in or a rental home as speculation, you are making an investment. Knowing how to spot the pricing trends is paramount to get the best value and security.

Paul E. Hunt, Esq.

Think Big. Aim High. Act Bold. The Millionaire Real Estate Agent shows you how to do all three so you can Live Large - professionally and personally. In this book, Gary Keller, Dave Jenks and Jay Papasan show you the secrets of achieving extraordinary success by using Big Models to realize your Big Dreams.

The Millionaire Real Estate Agent provides you with a plan to transform your real estate sales job into a million-dollar business. The book explores the models you need to put in place and then shows you step by step how to implement them. Gary, Dave and Jay debunk the myths that stand in the way of realizing the highest level of achievement and lay out the road map to success.

But, in the end, as Gary says, it's not about the money. It's about maximizing your potential. So take charge of your career, your life, and your future. Read The Millionaire Real Estate Agent and soar to greatness.