The Employee Millionaire - Personal Workbook: How to Use Your Day Job to Become a Millionaire with Rental Properties by H J Chammas ASIN: B07J3DXB7D

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There are so many books out there on “The Only One Way to Invest” that it will make your head spin.  Almost all of the books we read on investing start out by telling you what is wrong with all other forms of investing and why theirs is the one and only way to invest your money to earn an income.

The Employee Millionaire - Personal Workbook: How to Use Your Day Job to Become a Millionaire with Rental Properties by H J Chammas  is different.  He does give a little comparison and contrast between investing in rental property and investing in stocks and bonds.  In this case, he actually gives the pros and cons for both.

Nowhere in the book does Mr. Chammas tell his readers it is going to be easy.  He does not tell you that checks will pour in while you sip on umbrella drinks.

This book tells you how to get started on a fairly moderate income and then roll it into owning and renting out multiple properties.  

He takes his readers through the whole enchilada.  He tells readers about the process of getting pre-approval for a loan and then finding properties and making an offer.

He even tells his readers what they need to take to the closing on a sale of property.  He attempts to make this “white-knuckle” event much less stressful.

Readers are given links to online forms that help with the whole process from start to finish.  He even takes his readers through getting their budget in line before they start.

Five Star Review

We truly believe The Employee Millionaire is a must read for anyone attempting to find a way to add to their income in the least stressful way. This book will make a great gift for that would-be investor on your gift giving list.  We give it all five stars.

We were sent a complimentary copy of this book.  We are under no obligation to write any review, positive or negative.

We are disclosing this in accordance with the Federal Trade Commission's 16 CFR, Part 255.

Notice: This post contains affiliate links. If you click a link and make a purchase, we may financially benefit fromyour transaction, at no additional cost to you. Thank you for your support. 

Manian Debil Productions is a participant in the  AmazonServices LLC Associates Program, an affiliate  advertisingprogram designed to provide a means for sites to earnadvertising fees by advertising and linking to Amazon.com.

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Book Review: ForbesBooks: Master Your Cash Flow: The Key To Grow And Retain Wealth by Albert J. Zdenek Jr CPA/PFS ISBN: 978-1-59932-713-6

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Master Your Cash Flow by Albert J. Zdenek, Jr., CPA/PFS is geared more for a higher income level audience than we normally address via our How to Manage Your Monkey blog.

That being said, we think it is an important read for anyone who hopes to someday get out of the level of hardcore poor and get up to the level of needing a financial advisor.

Let’s face it, our target audience is not made up of the type of people who go out and buy cases of wine that they never open.  Hopefully, our normal audience abstains from any type of intoxicating beverage.

If you are this level of poor, chances are good you are more likely to encounter Wine in a Box than you are any type of wine that actually comes with a cork.

The Author, Albert J. Zdenek, Jr., does give us some insight we can use as we get out of the level of hardcore poor and up to the level of The Millionaire next door.

Mr.  Zdenek implies in some of his lead up to Master Your Cash Flow that he is going to give us some comparisons regarding the choice to purchase or lease a new vehicle.  We were interested to learn what he had to say about this comparison. We were looking for it, but never saw it.

There are some very interesting differences of opinion in the book from what you have heard and will hear on How to Manage Your Monkey.  We take more of a Dave Ramsey approach in that it makes more sense to pay off your mortgage and not have to have the interest payments.

However, Mr. Zdenek makes a compelling case to take out a mortgage and invest the proceeds from said mortgage.  We don’t agree with his philosophy but, let’s face it, he has more money than we have. It might be good to read Master Your Cash Flow and make up your own mind.

Five Star Review

On our scale of zero to five stars with zero being terrible and five being outstanding and a must read, we give Master Your Cash Flow all five stars.

Master Your Cash Flow is very well written.  It is easy to follow and the numbers make sense.

We do, however, suggest that you also read The Millionaire Next Door by Thomas J. Stanley and William D Danko, The Wealthy Barber by David Chilton, Hardcore Poor by Kelly Sangree, and Total Money Makeover by Dave Ramsey.  All of these books have a slightly different approach to the same question of handling your finances.

One of the best pieces of advice offered in the book, and is repeated often throughout Master Your Cash Flow, is to work with the experts.  No one can be an expert in all areas.

It is very sound to suggest working with your CPA, estate planning attorney, financial planner, and others as you see the need.  Just stay away from taking advice from your brother-in-law Bud.

We were sent a complimentary copy of this book.  We are under no obligation to write any review, positive or negative.

We are disclosing this in accordance with the Federal Trade Commission's 16 CFR, Part 255.

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Please be advised that all  information in the How to Manage Your Monkey Course is provided to educate, enlighten, and broaden your views in life.  The information provided is not a substitute for medical, legal, dietary, financial/accounting, or religious professionals.   Always consult a professional before you act on any of the information you find in this course.

Disclaimer: The opinions or advice listed in this blog or website should be used as a place to start only. It is not a substitute for the use of a professional.

Please be sure to consult your attorney, accountant, and/or other professionals with any specific questions. There is no one right answer to any business question that will cover all circumstances.

Notice: This post may contain affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction, at no additional cost to you. Thank you for your support.  Manian Debil Productions is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.


McClendon Villa     McClendon Villa's Reviews  From the Kitchen of McClendon Villa   McClendon Villa at Blogger P. S. Annie  P S Annie 2 Random Thoughts and Observations   Redneck MBA How to Manage Your Monkey at Blogger   How To Manage Your Monkey at WordPress Reviews By David and Suzanne
Book Reviews By Bird  Book Reviews By Bird 2 Book Reviews by Bird at WordPress

Crude Blessings by T.M. "Roe" Patterson Review ISBN: 978-0-9980213-0-0

In the book Crude Blessings by T.M. "Roe" Patterson, readers are treated to a fascinating look into the life of two true Texans. We challenge you to read it without shedding a single tear.

This book makes for great entertainment, but it also provides a look at some truly great business minds.  

It can be exhilarating to be on the front lines of a startup business.  There is a special excitement when failure is not an option. This book puts readers on the front line to see how honesty and integrity can overcome a world of obstacles.

This makes an absolutely wonderful book with tons of life lessons.  

The sad part in all of this is that, according to several of the other books we have reviewed recently, such as The Aging Brain  and Unsafe at Any Meal , Alzheimer’s disease, Autism, ADD/ADHD and other brain related problems can be avoided. It appears that there is anecdotal evidence to support the notion that high fructose corn syrup and mercury in our diets cause these brain conditions.

Five Star Review

We give Crude Blessings all five stars.  We simply cannot believe that this is this author’s first book.  Very few could write this well and tell a story this fascinating the first time out of the chute.

We were sent a complimentary copy of this book.  We are under no obligation to write any review, positive or negative.

We are disclosing this in accordance with the Federal Trade Commission's 16 CFR, Part 255.

Notice: This post contains affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction, at no additional cost to you. Thank you for your support.

If you would like for me to pray for you, please drop me an e-mail by clicking prayer.



Please Visit My Child Bride Suzanne's Blog

I respond to all approved comments on this blog, ideally within 24 hours.  Please check back here for a response to your comment.  Thank you!

Please be advised that all the information in this course is provided to educate, enlighten, and broaden your views in life.  The information provided is not a substitute for medical, legal, dietary, financial/accounting, or religious professionals.  Always consult a professional before you act on any of the information you find in this course. 

Do you have a frugal recipe?  Please e-mail it to me.
Help us reach 1,000 YouTube subscribers. Please watch some of our videos. If you like them, please subscribe. Also, please share our YouTube information with your friends.  We thank you so much for all your help. 

Disclaimer: The opinions or advice listed in this blog or website should be used as a place to start only. It is not a substitute for the use of a professional.

 Please be sure to consult your attorney, accountant, and/or other professionals with any specific questions. There is no one right answer to any business question that will cover all circumstances.

Notice: This post may  contain affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction. Thank you for your support!

Conquer Change and Win: An Easy-to-Read, Fun Book about the Serious Subject of Change by Ralph Masengill Jr. ISBN: 978-1-5151-9187-2

In any business, change is going to happen.  Conquer Change and Win: An Easy-to-Read, Fun Book about the Serious Subject of Change by Ralph Masengill, Jr. addresses how best to change in business.

This book is chock full of jokes, stories, and quotes that help to illustrate the points being made by the author.  Masengill has an excellent way of writing and telling us how to handle change in our business.

Five Star Review

We give Conquer Change and Win all five stars.  If you are in management or leadership, you owe it to yourself and your company to read this book.  We think it should be required reading in any management training program.

We were sent a complimentary copy of this book.  We are under no obligation to write any review, positive or negative.

We are disclosing this in accordance with the Federal Trade Commission's 16 CFR, Part 255.

Notice: This post contains affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction, at no additional cost to you. Thank you for your support.

If you would like for me to pray for you, please drop me an e-mail by clicking prayer.



Please Visit My Child Bride Suzanne's Blog

I respond to all approved comments on this blog, ideally within 24 hours.  Please check back here for a response to your comment.  Thank you!

Please be advised that all the information in this course is provided to educate, enlighten, and broaden your views in life.  The information provided is not a substitute for medical, legal, dietary, financial/accounting, or religious professionals.  Always consult a professional before you act on any of the information you find in this course. 

Do you have a frugal recipe?  Please e-mail it to me.
Help us reach 1,000 YouTube subscribers. Please watch some of our videos. If you like them, please subscribe. Also, please share our YouTube information with your friends.  We thank you so much for all your help. 

Disclaimer: The opinions or advice listed in this blog or website should be used as a place to start only. It is not a substitute for the use of a professional.

 Please be sure to consult your attorney, accountant, and/or other professionals with any specific questions. There is no one right answer to any business question that will cover all circumstances.

Notice: This post may  contain affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction. Thank you for your support!

The Automatic Millionaire Homeowner: A Powerful Plan to Finish Rich in Real Estate by David Bach ISBN: 0-7679-2120-8

The American Dream is to own your own home.  It might be easier than you think to do so. In The Automatic Millionaire Homeowner: A Powerful Plan to Finish Rich in Real Estate by David Bach, we learn how it just might be possible.

David Bach provides his readers with lots of resources.  Even though this book was written in 2005, back before the housing bubble burst, the advice Bach provides is just as useful today.

Bach actually foresaw the possibility of a housing bubble and warned against it. He even told his readers how they could have avoided it.  In fact, if everyone who was thinking about buying a home in 2006 or after had read The Automatic Millionaire Homeowner, the housing bubble burst might not have damaged as many people.

Five Star Review

We give The Automatic Millionaire Homeowner all five stars. It is very informative, very well-written, and easy to follow. If you are thinking about purchasing a home, you owe it to yourself to read this book and avoid multiple mistakes.

We borrowed a copy of this book from the Wharton County, Texas Library.  We are under no obligation to write any review, positive or negative.

We are disclosing this in accordance with the Federal Trade Commission's 16 CFR, Part 255.

Notice: This post contains affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction, at no additional cost to you. Thank you for your support.

If you would like for me to pray for you, please drop me an e-mail by clicking prayer.

Please Visit My Child Bride Suzanne's Blog

I respond to all approved comments on this blog, ideally within 24 hours.  Please check back here for a response to your comment.  Thank you!

Please be advised that all the information in this course is provided to educate, enlighten, and broaden your views in life.  The information provided is not a substitute for medical, legal, dietary, financial/accounting, or religious professionals.  Always consult a professional before you act on any of the information you find in this course. 

Do you have a frugal recipe?  Please e-mail it to me.

Help us reach 1,000 YouTube subscribers. Please watch some of our videos. If you like them, please subscribe. Also, please share our YouTube information with your friends.  We thank you so much for all your help. 

Disclaimer: The opinions or advice listed in this blog or website should be used as a place to start only. It is not a substitute for the use of a professional.

 Please be sure to consult your attorney, accountant, and/or other professionals with any specific questions. There is no one right answer to any business question that will cover all circumstances.

Notice: This post may  contain affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction. Thank you for your support!