Spend Your Way to Wealth: A Complete New Approach to Retirement and Investment Planning That Really Works

Download Description

At last, a no-sacrifice guide to living a richer lifestyle! Taking a "real world" approach to money, this book encourages readers to get everything they want out of life without guilt simply by using the free market system to their advantage. Included are insider tips and techniques for readers to become smart consumers.

Customer Reviews:

Not the best I've ever read..........2007-01-29

This book is not terribly enlightening. Most of the advice is just practical common sense. However, it is worth reading for the advice on using coupons and finding discounted products. I would consider this book to be supplemental reading at best. There are much better books out there on managing finances and getting out of debt.

Mike Schiano is the best.......2005-04-27

The book is just like his radio show: informative and easy to understand. I learned a lot from this book and using this information, my wife and I were able to save for our dream house. I follwed Mike's advice through In Charge Institute and feel like he is a trusted family member.

Mike Schiano's Book is a Refreshing Change!.......2003-12-08

I've read dozens of personal finance books and Mike Schiano's "Spend Your Way to Wealth" is one of the best! Most authors seem to believe that they have the readers' permission to patronize them and preach the "same old advice." Mike, on the other hand, offers the same practical advice he shares with his listeners on his daily personal finance talk radio show (The Mike Schiano Show).

A practical, "user friendly" instructional manual.......2003-11-14

Spend Your Way To Wealth by Mike Schiano is an effective "how to" guide to living a more extravagant lifestyle on less - through judiciously monitoring personal shopping for the specific purpose of saving money on the essentials. From paying less on mortgage interest; to avoiding dealer markups on a new car; to getting the best deals from the internet; to taking advantage of buying clubs; to negotiating prices with salespeople, and so much more, Spend Your Way To Wealth is a satisfying, practical, "user friendly" instructional manual to skillfully stretching the dollars while living well.

GET WHAT YOU NEED AND WHAT YOU WANT!!!!.......2003-07-17

If you want to get a grip or grasp of your spending, this book is for you. I needed to plan my spending but I didn't know how to do it. Most books preach budgeting = deprivation but this book showed me that by creating a spending plan, I can get what I need along with what I want. EXCELLENT!

Spend Your Way to Wealth: The Proven 5-Step Method That Actually Allows You to Spend, Save & Grow Your Money...All at the Same Time!

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Spend Your Way to Wealth: The Proven 5-Step Method That Actually Allows You to Spend, Save & Grow Your Money...All at the Same Time!
Roque Lachica
Manufacturer: Morgan James Publishing
ProductGroup: Book
Binding: Hardcover

Budgeting & Money Management | Personal Finance | Business & Investing | Subjects | Books

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Retirement Planning | Personal Finance | Business & Investing | Subjects | Books
ASIN: 1600370489

Book Description

With SPEND Your Way to Wealth you?ll no longer worry about budgets, or willpower, or making more money or denying yourself a lifestyle you can afford to enjoy in order to win the Financial Freedom Game?and you don?t have to be an investment genius. If you can pay your bills responsibly, you can grow wealthy using the SPEND Method! With this simple, no-risk, no investing required, 5-step system, you don?t need to make a lot of money and you don?t have to give up your morning ?Lattes?, in fact, you don?t have to give up anything that fits within your personal income!

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perfect

Highly Recommended!

Making Sense Out of Emotional Intelligence for Businesses

A powerful eye-opener

intelligent, truthful book

Emotional Value: Creating Strong Bonds with Your Customers
Janelle Barlow , and Dianna Maul
Manufacturer: Berrett-Koehler Publishers
ProductGroup: Book
Binding: Hardcover

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A Complaint Is a Gift

Branded Customer Service: The New Competitive Edge

The Marketing Power of Emotion

Corporate Communications: Theory and Practice

At America's Service: How Your Company Can Join the Customer Service Revolution

ASIN: 1576750795

Amazon.com

Anyone who's ever worked any sort of service job, from the minimum-wage McDonald's cashier to the high-paid account exec, knows that the old store-policy standby "the customer is always right" is a load of bunk. But in our increasingly service-oriented economy, how can companies get their front-line service employees to keep a smile on their face (or in their voice) when dealing with customers from hell? Or even just from Long Island?

By teaching them how to say to customers "I feel your pain"--and even sort of (gulp) mean it. That's the message at the heart of this book from Janelle Barlow and Dianna Maul of consulting heavyweight TMI USA. "Customers are not always right.... But customers are always emotional," they write. "They always have feelings, sometimes intense, other times barely perceptible, when they make purchases or engage in ... transactions." That's why businesses must construct cultures that promote positive emotional states for both customers and employees. Unhappy employees out of touch with their own feelings, they warn, cannot provide "emotional value" for customers. The bulk of the book lays out practices for bringing EV to one's customers, including teaching employees emotional competence, maximizing customer experiences with empathy, and using emotional connections to increase customer loyalty.

If all this sounds a little too touchy-feely to evoke more than lip service from bottom-line-minded suits--or outright jeers from the dumped-on, underpaid, overworked people they employ--Barlow and Maul's slightly New Age-y language actually masks a smart and practical premise: companies that give their service workers a structured support system for putting themselves in their customers' shoes promote genuine well-being on both sides of the service line, leading to profits. This is also one of those rare business books where everything--such as the hundreds of daily, street-level service anecdotes (many of which had this writer laughing aloud in recognition)--speaks to the possibilities and limitations of the marketplace we all actually shop and work in, where rudeness, frustration, and apathy mingle with decency, competence, and compassion every day. You won't find a step-by-step, one-size-fits-all kit for customer compassion here, but there are ample explanations, snapshot examples, key-point breakdowns, and end-of-chapter self-questions to help get the process going for any manager or exec with half a brain. Or is that half a heart? --Timothy Murphy

Book Description

Society is rapidly moving from a service economy to an experience economy. As a result, today's more sophisticated consumers not only demand services and products that are of the highest quality; they also want positive, emotionally satisfying experiences. The companies and institutions that learn how to add emotional value to their customers' experiences will leave their competitors behind.

This book details a practice for adding emotional value to customers' experiences and to those of staff. The practices show that by understanding the critical role emotions play in creating customer experiences, organizations can take their service to new levels.

Customer Reviews:

perfect.......2003-01-23

Perfect, this book is a perfect tool for all the managers in a mid positions, it helps to understand emotion and their value in a business. Should be read not only by the customer service people, but also by the all rests

Highly Recommended!.......2001-03-20

Janelle Barlow and Dianna Maul go a step beyond most consultants (those who write business books to drum up customers). Instead, they offer a wealth of scholarly research and sources in their in-depth, colorfully written book, which successfully tackles the enormous role that emotions play in business and customer behavior. They explain and document it, and provide practical applications. We at getAbstract recommend this important book to all business people, whether they offer a product or a service, from CEOs through every level of staff.

Making Sense Out of Emotional Intelligence for Businesses.......2000-09-07

Since Howard Gardner first popularized the idea of multiple intelligences, thinkers and authors have been noticing that there is a vast difference in the "emotional intelligence" that people have for noticing others and responding appropriately to them. Daniel Goleman wrote a wonderful book developing that theme. He argues that emotional intelligence can be learned. In Emotional Value, Janelle Barlow and Dianna Maul take that one step further and identify what needs to be learned and how it should be learned.

Their point is simple and profound. "Both staff and customers tend to stay with organizations that enable them to experience positive, meaningful, and personally important feelings, even if the organizations cannot always provide everything they want or solve all their problems." Few will disagree. The conclusion builds on the work of Jeffrey Pfeffer in The Human Equation.

There are many important consequences to that observation. First, it costs a lot of money to get customers. It's much more profitable to keep the ones you have than to get new ones (see The Loyalty Effect). Second, if you can deal with the same customers and employees, the results usually are better. Third, with lower staff turnover, costs of hiring and training are lower . . . and operating costs are lower, too. Fourth, bonding can be created among customers and employees that will allow them to derive more value from being involved with the company. Fifth, these improvements are critical in many industries. Most people shift from one supplier to another because dissatisfaction with service, not price or produce offerings. (See The Customer-Driven Company). Sixth, in this stock-market-driven economy, the economic advantages will translate into a higher stock price which can be used to add more and lower-cost resources for the company.

Basically, improving emotional value can be the start of creating a virtuous cycle of self-reinforcing improvement for an enterprise.

I would be remiss if I did not point out that those who emphasize the importance of values and corporate culture are dealing with some facets of emotional value. What is brilliant about this work is that it transcends this earlier excellent work to take it to a higher plane. You can have great values and a wonderful corporate culture, and still have an emotionally damaging work environment for many of your people and customers.

The authors identify five key elements for making this virtuous cycle a reality:

(1) Build an Emotion-Friendly Service Culture

(2) Choose to Develop Emotional Competence

(3) Maximize Customer Experience (see The Experience Economy -- "positive, emotional, and memorable impact") and Empathy

(4) View Complaints as Emotional Opportunities

(5) Use Emotional Communications to Increase Customer Loyalty

As you can tell from my references to many other works, this book builds on excellent studies done by others. Yet, the synthesis here is new and improved. Essentially the book is "a call for civility, empathy, and authenticity in dealing with customers." That goes well beyond the familiar concept of "The customer is always right." That concept usually is applied to mean that the employee who works with the customer must be downtrodden and suffer. Burnout is a major problem among frontline service employees, as a result.

Ms. Barlow and Ms. Maul see beyond that current stalemate. They realize that the interaction between company and customer can be uplifting for both. Mother Teresa drew great pleasure from helping poor people die with dignity. Doing our work with civility, empathy, and authenticity can add a similar sense of worth to our labors, as well as providing a wonderful, emotionally-rewarding experience for customers.

I especially liked the call to action: "It is the service providers' responsibility to manage the emotions in service exhanges." How many CEOs, executives, and managers are thinking about that? Wow! Before you leave that point, consider that 80 percent of all U.S. jobs are expected to soon be service jobs.

The appendices and notes are unusually good in this book. Be sure to take time to review them.

The primary weakness of the book is that the sections that allow you to assess where your company or organization is today could be more detailed and specific.

When you have finished the book, take some time to imagine the ideal emotional exchanges that could be occurring in your business and organization every day. Then start to design them and teach others how to make them easy, authentic, memorable, and enjoyable to provide. Have a ball!

A powerful eye-opener.......2000-08-24

Reading "Emotional value" has been an excellent experience and an eye opener in many ways. The book pinpoints and explores one of the key criteria of working competitively in the "experience economy" - having a workforce that is skilled in emotional competencies.

I particularly enjoyed the debate "emotional labour" vs. "emotional competence". It is a real live debate in many service organizations with management trying to control the customer experience by stipulating that service-providers should be able to smile pleasantly (i.e. grin and bear) through all customer encounters. And yet grin & bear by the rulebook is often not what the customer wants, but rather genuine empathy and emotional competence on behalf of the service provider. It takes much more than "grin and bear" and "the customer is always right" rhetoric to satisfy today's eclectic customer.

"Emotional Value" has reminded me of personal examples where service providers have competently turned my dissatisfaction, anger or frustration into a positive feeling of gratitude. And in doing so they have won me over as a loyal customer. However creating loyal customers by adding emotional value cannot be left to chance. Here the book proves to be a gold mine of practical applications and exercises that can be used to develop emotional awareness and competencies throughout the organization.

Thus the book is a valuable blend of inspiring concepts and very practical techniques. I have recommended the book to several friends and colleagues.

intelligent, truthful book.......2000-08-14

I wore out my highlighter while reading Emotion Value. Every chapter was filled with profound wisdom. As a teacher and speaker in the field of customer service I was grateful to Janelle and Diana for presenting such a truthful, intelligent book backed up with research and statistics. While my classes have always focused on the front line, I longed for a way to reach the management. Emotional Value is written with the CEO in mind. I hope they sit up and take notice, after 20 years of service training, service has gotten worse. This book explains why!

Book Description

This second supplement to the highly-acclaimed The Law of Human Rights, published in October 2000, brings the work fully up to date to July 2002. It includes all the relevant case-law as the Human Rights Act continues to be tested out in the courts and is an essential purchase for those who have already bought the Main Work. The Main Work and Second Updating Supplement are also available together as a set (ISBN 0199258228).

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Civil Liberties & Human Rights 4/e
Helen Fenwick
Manufacturer: Routledge Cavendish
ProductGroup: Book
Binding: Paperback

Civil Rights & Liberties | Current Events | Nonfiction | Subjects | Books

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ASIN: 1859419372

Book Description

More than merely describing developments in the field of civil liberties and human rights, this comprehensive and challenging textbook provides students with detailed and thought-provoking coverage and analysis of the impact of the Human Rights Act 1998 in an era in which human rights are coming increasingly under pressure.

Extensively re-written and updated since the last edition, Helen Fenwick considers the impact of the Human Rights Act 1998, paying particular attention to Labour legislation, especially in the fields of criminal justice and terrorism.

This book:

considers recent key domestic decisions in the post-Human Rights Act era, including Campbell, A and Others v Secretary of State for the Home Dept, Ghaidan v Mendoza, R(Gillan) v Commisioner of Police of the Metropolis
contains a new chapter on important developments in counter-terrorism law - covering the Anti-Terrorism Crime and Security Act 2001 and the Terrorism Acts 2005 and 2006
analyzes key developments in the sphere of media freedom, including the impact of the Communications Act 2003, Pro-life Alliance and Campbell
explores new developments in criminal justice, including the Serious and Organized Crime Act 2005
addresses the changes in the field of anti-discrimination law, including the Sexual Orientation Regulations 2003 and Equality Act 2006.

This textbook is an essential resource for students studying the development of human rights and civil liberties in the early years of the twenty-first century.

Civil Liberties and Human Rights in England and Wales

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Civil Liberties and Human Rights in England and Wales
David Feldman
Manufacturer: Oxford University Press, USA
ProductGroup: Book
Binding: Paperback

Entertainers | Arts & Literature | Biographies & Memoirs | Subjects | Books

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Human Rights | Constitutional Law | Law | Subjects | Books

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ASIN: 0198762291

Book Description

This is the first full-length study of civil liberties in the UK aimed at students and written with their interests in mind. The book provides comprehensive coverage of the systems which exist to promote and protect civil rights in the UK and beyond and analyses in some detail the many rights which are regarded as fundamental in the UK and in other systems of law.

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Civil Liberties in Scotland
Keith D. Ewing , and Kenneth Dale-Risk
Manufacturer: W.Green
ProductGroup: Book
Binding: Paperback

General | Law | Subjects | Books

Human Rights | Constitutional Law | Law | Subjects | Books

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ASIN: 0414008448

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A Guide to Human Rights Law in Scotland
Hon. Lord Reed , James L. Murdoch , and The Hon. Lord Reed
Manufacturer: LexisNexis UK
ProductGroup: Book
Binding: Paperback

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ASIN: 0406923205

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Human Rights (Green's Law Basics)
Alastair N. Brown
Manufacturer: W.Green
ProductGroup: Book
Binding: Paperback

General | Law | Subjects | Books
ASIN: 0414013980

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Human Rights and Scots Law

Manufacturer: Hart Publishing (UK)
ProductGroup: Book
Binding: Hardcover

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Human Rights | Politics | Nonfiction | Subjects | Books

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ASIN: 1841130443

Book Description

This book, written by a team of academics, judges and distinguished practitioners from the UK and abroad discusses the implications of the incorporation of the ECHR into Scots law. The contributors consider the impact of the Human Rights Act in light of the new constitutional settlement for Scotland and their experiences of other rights regimes in Europe, the Commonwealth, and the United States. The contributions span the fields of Private, Public, European Community and Comparative law and draw on human rights law and practice in the UK, the European Community, Canada, New Zealand, South Africa, the United States and Sweden, where the ECHR was recently incorporated. Topics include: analyses of the Human Rights Act and Scotland Act; human rights and the law of crime, property, employment, family and private life; Scottish court practice and procedure; Scots law and the European dimension; and building a rights culture in Scotland.

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Human Rights Cases
Alastair N. Brown
Manufacturer: Tottel Publishing
ProductGroup: Book
Binding: Paperback

General | Law | Subjects | Books

Statutes, Cases & Law Reports | English Law | Law | Subjects | Books
ASIN: 1845926994

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Human Rights in Scotland
K.D. Ewing , and Kenneth Dale-Risk
Manufacturer: W.Green
ProductGroup: Book
Binding: Paperback

General | Law | Subjects | Books

Human Rights | Constitutional Law | Law | Subjects | Books
ASIN: 0414014499

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Human Rights: A Modern Agenda

Manufacturer: Tottel Publishing
ProductGroup: Book
Binding: Paperback

General | Law | Subjects | Books
ASIN: 1845927044

Customer Reviews:

Non Fiction.......2007-09-03

The Six Million Dollar Man guy takes a crack at a coffee table book, this time about astronomy and Mars. The possibilities of organic compounds being found on the red planet were making news at the time, so I suppose this was part of that. Not a whole lot of substance here, but it is attractive enough for a quick flip through.

A very good book.......1999-06-08

All I have to say is that you should get this book if you have any interest in Mars at all.

Book Description

Handbook of Chromatography provides a detailed description of significant aspects of polycyclic aromatic hydrocarbons (PAHs). The sources, occurrence, nomenclature, and carcinogenicity of PAHs are covered, and a comprehensive record of data of sample preparation, detection, separation, determination, and characterization of PAHs by liquid chromatography is presented. The book also summarizes extraction and enrichment procedures (e.g., Soxhlet extraction, ultrasonic extraction, liquid-liquid partitioning); presents data from paper chromatography, thin-layer chromatography, high-performance thin-layer chromatography, and electrophoresis of PAHs; and discusses the methodology and applications of extrography in analyzing complex aromatic materials. Handbook of Chromatography also provides a PAHs book directory and a list of suppliers of PAHs and HPLC columns. The volume will be an essential reference for analytical chemists, environmental toxicologists, organic chemists, biomedical specialists, and biotechnicians.

Customer Reviews:

Devolution & Evolution of the Soul.......2003-08-09

Kathy Callahan's book is a priceless treasure of who we really are, where we've been and where we are going.....if we desire to pay the price (of self) for awakening. It is a wonderous book for the seeker, the Sufi (seeking the path of the heart), to reconnect with how loving God, the Friend, the Beloved really is and how much he cares for us in our long journeys away (devolving) and returning (evolving) back to him
I find myself returning to her book over and over again, when I have questions about the nature of the soul, about how easy it is to become entrapped in materiality and how to move towards the way of the Christ.
For many, this book may seem arcane or obtuse, filled as it is with a history of humanity's journey based on a mystic/seer named Edgar Cayce, who died almost 60 years ago. However, for those of us who came to the Christ precisely because of how he was 're'-presented in the Cayce readings, Kathy Callahan's account of our Origins & Destiny is a touchstone, a wellspring of joy and insight for me to use, in conjunction with other Scripture and practice, as a means of focus, of alignment, so we too can both 'remember and return' to who we were and, more importantly, who we will be, after experiencing and overcoming the earth.
Kathy Callahan's book is especially powerful for me for several other reasons as well. She offers a role into the Christ that is truly 'Cosmic' in origin, providing a richness and opportunity for appreciation as to how He truly is 'The Way' for all souls, beyond any religions desire to bind His role to their participants insistence on how His reality MUST be. This is especially appropriate for those who insist that THEIR reality, their beliefs ARE the correct ones and brings to mind Rumi's admonition that 'once we have arrived back home, all arguments as to the various roads there become meaningless'. Kathy's descriptions of the 'larger' view of the soul allow us to transcend our petty differences, that are so prevalent at this level of awareness and provide us an opportunity to see that we are indeed, ALL of God's children and it is totally up to US, to begin to see that 'the Light', is indeed 'Our collective and individual Light' that must be reattuned to, not via power, but via His way, the way of Love.
Next, although she doesn't explicity address same, Kathy offers some very insightful into the problems inherent in promiscious sexuality and how souls experience tremendous problems when their focus is on experiencing the 'pleasures of the flesh' and the entrappment/addiction resulting from their desires. Although it is almost taboo to even discuss the possibilities of universal laws in today's culture, Cayce's description of becoming so engrossed in the flesh, that we become lost to our true nature, that of beings of light, of souls. Instead, we risk becoming entrapped in the 'thought forms' of our own creation. Both excessive Promisciousness and homosexuality, may be seen from this perspective as an result of the devolution process, and for those who are 'enraptured' in seeking the physical pleasures, risks losing his/her soul.
Although Kathy Callahan's book does not explicitly deal with these issues, they are having increasing social and political impact today. She does point out, from Cayce's perspective, the dangers against ANY excessive sexuality, however directed. She also makes strong note of God's over-riding love for us, a love so committed that he refuses to coerce our free will, even when we have become entrapped in the earth. Instead, he sent His Son, to show us the way home.
For those who seek a 'deeper path' than offered in what is contained in much of modern scripture and the nominative modern Christian paradigm, I heartily recommend Dr. Callahan's book as a ready reference for our return. As a therapist, I have discovered that ALL problems presented by client's are ultimately spiritual. Her book describes why.
Tom Lawson, Ph.D.

Book Description

The proceedings of the Eleventh APS Topical Conference on Atomic Processes in Plasmas benchmarks the ongoing research developments in the interdisciplinary interaction between atomic and plasma physicists as they tackle large scale applied research problems in magnetic fusion, x-ray lasers, astrophysics, inertial fusion, and materials processing.

Book Description

Enjoy the humorous adventures of two seventeen year old greenhorns who share both friendship and a lifelong dream of heading west to make their fortunes in the cattle business. Ride along with them as they tackle the first job offered, contend with angry cowmen, deal with Navajos, and encounter the worst luck ever on the rough trail. All along the way, the trials mold boys into men.

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