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Archive for the '– Total Money Makeover by Dave Ramsey' Category

Apr 11 2009

My Top 10 Favorite Nonfiction Books

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I was discussing books with a coworker the other day (hi, Corrine!) and she told me that she has tried time and again to read nonfiction books because she feels like she should.  After all, you learn so much more from nonfiction than you do fiction, and she wants to learn.

But she says that she can’t get through any nonfiction books because they are all so boor-ring!!!  She said (and I quote), “I start reading, and within minutes, my head is down on my chest, and I’m sleeping.  I just can’t stay awake through those books!”

I used to have that perception of nonfiction books too.  Nonfiction?  No way.  That’s boring, dry stuff!  Let’s read some fiction, where there’s action and storylines and FUN stuff.  Right?  Yeah, I see you nodding your head.  It’s true - fiction is almost universally thought of as the interesting books, and nonfiction as the dry tomes that only desperately dull people read.

Leaving aside the debate of whether I am desperately dull or not (no comments from the peanut gallery!) I think that there are a lot of nonfiction books that do not deserve the title of dull, and that anyone could enjoy reading.  I figured that it was about time I put together a list of my top ten favorite nonfiction books.  None of these books are academic treatises on a subject, I give you my solemn oath.

Most of these books I’ve written reviews of on here; in those cases, I have linked to the reviews.  Also, I am trying to link to a variety of books, so that if you’re not interested in biographies, for example, you might want to read a book about finances or relationships.  So it isn’t that I have ADHD or something (although that is possible…)

Let’s get going, shall we?

  1. Marley and Me by John Grogan: If you do not laugh while reading this book, there is a good chance you are dead.  I just thought you should be aware of that.  There could be some sort of freaky sixth sense thing going on here.  I have not watched Marley and Me the movie, so I have zero input on that (although here’s a great review of Marley and Me the movie from another site).  Marley and Me the book is actually the book I ended up recommending to my coworker.  We’ll see if she enjoys it as much as I think she will.
  2. Seabiscuit: An American Legend by Laura Hillenbrand: No top ten list of mine would be complete without including my other favorite animal nonfiction book, Seabiscuit.  There is a lot more to this book than just Seabiscuit the horse, which at times can seem overwhelming, but it really helps set the stage for horse racing, which makes the racing portions of the book come alive.  Again, I have not watched the movie.  Anyone seeing a trend here?  Hmmm…
  3. John Adams by David McCullough: This is one I have not written a review of yet, but it was one of the first nonfiction books that I ever read, and absolutely turned me on to biographies of historical figures, and especially biographies written by David McCullough.  He is a fantastic writer; at the end of John Adams, I actually cried because, you know, John Adams died.  (Hope I didn’t just ruin it for anyone.)  But that’s how strongly McCullough makes you care about his subjects of his books.  I did write a review of his masterpiece, 1776: Illustrated Edition, so check that out.  And no, I did not watch the John Adams movie either, in case you were wondering.
  4. Three Cups of Tea by Greg Mortenson: There is no way to walk away from this book without feeling inspired, uplifted, and full of the can-do spirit.  Well, I guess you could if you were dead, but didn’t we already go over that?  Anyway, when I read a fiction book of how someone works hard to overcome incredible odds, I nod and smile and think, “Well of course he did!  It’s easy to do that in the fiction world.”  But when I read nonfiction book about a homeless mountain climber building hundreds of schools in the Middle East and doing his part to bring peace to the world…Well, it’s just hard to argue with that, you know?  And even harder to not want to do something yourself to help.
  5. Glass Castle by Jeanette Walls: If you’re up for a depressing but touching and truly wonderful memoir, then this is just the book for you.  There is a reason this book was on the New York Bestseller’s list for ages.  If you have not read it before, go forth and read.  I guarantee your complete satisfaction, or your…well, sorry, you’re just screwed.  But really, you should be satisfied.  Most likely.
  6. Stolen Innocence by Elissa Wall: If you’re into polygamy books, then you absolutely must check out Stolen Innocence.  I’ve read most of the polygamy books out there, and I enjoyed this one the most.  Elissa manages to tell her depressing story without being completely depressing and/or bitter to the bitter end.  It is also the best edited out of the polygamy books; some of the other ones could have stood to have a little better editing job done.  If you read one polygamy book, make it this one.
  7. The Five Love Languages by Gary Chapman: In the crowded books-about-relationships field, Five Love Languages is consistently rated one of the top books of the genre.  There is a reason for this: The book plain makes sense.  If you’re in the market for a great book to help you out with your relationship with your loved one, then you must buy this book.  Between Five Love Languages and Men are from Mars, Women are from Venus, you honestly cannot go wrong.
  8. Hands of My Father by Myron Uhlberg: This is a fantastic memoir of a boy growing up during the Depression, son of two deaf parents.  I will be posting my review of it soon, but suffice it to say that I LOVED it.  Really and truly.  Check it out on Amazon in the meanwhile.  You won’t be sorry.
  9. Total Money Makeover by Dave Ramsey: If you’re looking for a book on personal finances (how to manage your money) then this it.  Look no further.  Ramsey manages to make the book not only chockful of interesting information, but also interesting, inspiring, and easy to read.
  10. Hubble: The Mirror on the Universe by Robin Kerrod and Carole Stott: Of course I couldn’t put together a list of my favorite nonfiction books without listing an astronomy book.  There are a lot of books that offer collections of space pictures, but I have to say that this the best one I’ve ever come across.  Gorgeous pictures, quality printing job, insightful info…You really can’t get any better than this book for space pictures.

So, did I miss any?  What is your favorite nonfiction book?  And if you say you don’t have one, then get reading!  I’d suggest starting with one the above books.  All are guaranteed to be snore free.

Or something like that…

Hava

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10 responses so far

Jul 25 2008

“A Smart Girl’s Guide to Money” by Nancy Holyoke

A Smart Girl’s Guide to Money: How to Make It, Save It, and Spent It by Nancy Holyoke Fun Friday - The Weekly Review of Children’s Books

I originally picked up A Smart Girl’s Guide to Money: How to Make It, Save It, and Spend It by Nancy Holyoke and Ali Douglass because my niece (hi Hailey!) had checked it out, and I saw it when she returned it. I figured I had read plenty of guides on how to manage money as an adult - it was time to check out what the kids were being taught.

Again, I was surprised at how knowledge-packed the book turned out to be.  Perhaps I’m just not expecting enough out of children’s books, I don’t know, but so far I’ve been pleasantly surprised by the depth of the information given.

In A Smart Girl’s Guide to Money, American Girl teaches the whole cycle of money - it gives a list of 101 ways to make money (selling items or providing a variety of services) and also how to figure out if the business venture is profitable or not by doing a cost analysis.  It even talks about keeping a ledger and staying on a budget.  If there was a girl out there who read this book and took it to heart, she’d be a miniature Donald Trump (but hopefully with better hair!) by age 25.

The book also tackles sticky subjects from how to ask for an allowance raise, to recognizing and reigning in the impulse buying while at the mall.  It even touches ever so briefly on putting money into the stock market and paying taxes on what you earn.  (I told you I was shocked at how much was in here).

Yet it still managed to stay very readable and interesting to the average tweener (10 - 14 year old range).  It had lots of great drawings and quite a few multiple choice quizzes.

So comes the question: Would a boy read it?  No, I would say probably not - too many references to buying nail polish and new clothes at the mall, not to mention the fact that all of the drawings are of girls.  I haven’t looked to see, but I would hope something similar but aimed for the boy population has been produced, because it really did break down money management into children-sized pieces.

If your daughter wants to make money this summer, or if you’ve noticed that she tends to spend her money too freely and you’re hoping to give her a little direction, this would be an awesome book to get for her.  I honestly can’t think of anything critical or negative to say about it.

Warning: Childless adult is about to give out parenting advice - ignore at will!!

If I had a daughter, I would give her this book when starting her allowance, so she could be pointed in the right direction on how to handle her money, instead of just being handed money each week.  I was a pretty open spender as a child - I once spent $50 on candy and had a stomachache for a week.  I really could’ve used this book as a kid.

Overall, I give A Smart Girl’s Guide to Money 4.75 out of 5.

Hava

2 responses so far

Jul 16 2008

Changing Things up just a Smidge…

As you all well know, I work at the local library, and believe me when I say that check-in is for me what “Happy Hour” is for the town drunk.  I’m surrounded by a sea of temptation, and sometimes I manage to escape unscathed, but most of the time, I end up carrying home yet more books that are simply too irresistible to pass up.

During check-in hour last week, I was admiring an Eyewitness Book on Titanic, and thinking how interesting it would be to read and review it.  Sure, it was aimed for 9 - 12 year olds, but I’ve often found that unless you’re looking for dry, scholarly facts that only a professor would appreciate, most adult books tend to be too overwhelming.

Boring adult library booksI’ve said it myself and I’ve heard plenty of other people say it: Nonfiction books are boring!  And yeah, that’s true - some nonfiction books are boring.  (I do my best not to review any on here mainly because I don’t want to read them, but yes, they definitely do exist).  But children’s publishers aren’t stupid - they know that if they print pages with nothing but charts and/or using 16 letter words every other sentence, the kids aren’t going to make it past page two.

They have to make it interesting.  They have to use large colorful pictures.  They have to include factoids that make you go, “Really?  I never knew that.”  They have to engage the reader and make them enjoy learning.

In other words, they have to write the kinds of books us adults would read, if we weren’t so embarrassed to be found hitting the children’s section for reading material.

I also started to think about the fact that the majority of the people who visit this site are parents, so they would enjoy finding books that perhaps they hadn’t heard of before, to check out for their kids to read.  And hey, I’m sure I have a couple of underage readers too, who would enjoy reading the reviews for themselves.

So without further ado, let me introduce a new weekly feature: Fun Fridays, where we review fun kids’ books, instead of the boring adult ones. ;-) This will start this Friday (the 18th) and run into the foreseeable future.  So parents, make sure to stop by then, or if your kids are old enough, send them my way.

I’m excited to bring in a new group of readers who may not want to read Total Money Makeover or Sprinkler and Drip Systems but would like to read an interesting book on, say, astronomy.

The only downfall that I can see is that this is going to mean that a huge group of books will now become tempting to me, basically upping the amount of books that I’ll want to take home.

Willpower?  What’s that?

Hava
Who probably ought to join a 12-step program for book addiction…

One response so far

Jul 12 2008

“Total Money Makeover” by Dave Ramsey

“The Total Money Makeover” by Dave Ramsey Dave Ramsey is one of those guys who a person either loves or hates. He tends to inspire pretty dramatic feelings both ways. Luckily for him, the majority of America seems to love him.

The Total Money Makeover: A Proven Plan for Financial Fitness by Dave Ramsey was the first book that I ever read by Ramsey, and it was such an inspiration to me, that I instantly joined the Ramsey Fan Camp. I was struggling with some pretty large debts at that point (at least large in comparison to my income!) and I was barely keeping my head above water. I was told to read The Total Money Makeover - that it would help me. They were right.

I wish I could say that because of this book, I made major life changes and became debt free, but instead I just got a little better at juggling.  Eventually my husband and I were able to move and get into a better situation, to where we are now debt free. But the problem before was not Ramsey - it was me. Ramsey actually sums it up pretty well on page 4:

Winning at money is 80% behavior and 20% head knowledge. What we do isn’t the problem; doing it is. Most of us know what to do, but we just don’t do it. If I can control the guy in the mirror, I can be skinny and rich. We will let other books work on the skinny, and I will help you with the rich part. No, there are no secrets, and yes, this will be very hard. Hey, if it was easy, every moron walking would be wealthy.

If that kind of bluntness appeals to you, you’ll love this book.

The baby steps that Ramsey gives to get out of debt and stay there are the following (in order!):

1) Save up a baby emergency fund: $1,000.
2) Snowball your debts (a focused way of paying off your debts)
3) Finish your emergency fund: Save 3 - 6 months of expenses
4) Invest 15% of your income into a retirement fund
5) Save for your kid’s college fund (if you have children)
6) Pay off your mortgage on your home
7) Build wealth If you will live like no one else, later you can live like no one else

My problem previously had been saving the $1000 baby emergency fund. When your bank account is perilously close to zero, it’s hard to fathom having $1000 in your savings account, waiting for a rainy day.  He talks about how to save the $1000 and gives some inspirational stories from people who did, so again, that was me, not him.

Okay, so onto my critiques (you knew it was coming!) As I said in Financial Peace, Ramsey is a Christian who quotes the Bible fairly regularly to make his point. If you’re not Christian, do keep that in mind. It isn’t overwhelming, but it is there.

Secondly, it has been said that Ramsey is too conservative when it comes to savings, but overly liberal when it comes to retirement numbers. I would have to agree with that. He says that you can afford to put your savings for retirement on hold until after you’ve paid off all your debts, plus saved a 3 - 6 month emergency fund, by being very generous when it comes to his estimates on a “normal” return on investments. I don’t agree that you ought to expect a 12% rate of return every year on your stocks. Yeah, it would be nice, but hardly likely. Ramsey’s great for advice on getting out of debt, but I would pick someone else to get investment advice from.

These shortcomings aside, this is a very inspirational book - it’s liberally dosed with stories from couples who have worked through debt and came out the other side debt-free and liberated. Reading stories of these “gazelle intense” couples makes you want to stand up and yell, “I can do this too!” I think this is the monetary equivalent of No Plot? No Problem by Chris Baty - Dave Ramsey makes you truly believe in yourself.

I give it 4.5 out of 5 stars. Yeah, he has his shortcomings, but overall, this is just a darn good book.

Hava

Photo Credit: Scol22

4 responses so far

May 29 2008

“Financial Peace” by Dave Ramsey

budgets, library books, fiscal responsibility, Total Money Makeover, book reviews, financial advice, Financial Peace, 3.25 stars, household finances, Christian books, Dave Ramsey, nonfiction books, emergency fund, nonfiction book review, budgeting, self-help books, Nonfiction Lovers Financial Peace: Restoring Financial Hope to You and Your Family by Dave Ramsey is an average book for those who are just starting out on the road back to fiscal responsibility. If you have never read a book about how to manage your finances and want a very general overarching idea of where to start, this book is for you. If you’re a fan of Dave Ramsey and want to learn a bit more about his background and how he got started counseling people on their finances, this book is for you.

Unfortunately, I don’t fall under either of those categories, and so although the book was slightly entertaining to me (Dave can be quite funny at times), overall the book simply seemed repetitive. Every financial book seems to cover the same bases: Pay yourself first, put together a budget and stick to it, always spend less than you make, spend time looking for good bargains (never pay retail!) and put together an emergency fund in case of a rainy day. Dave is no different – he covers these same points just like every other book out there.

The book also suffers from being on the older side – it was originally written in 1992, and then reprinted in 1997, and it definitely shows. Last but not least, Dave Ramsey is Christian, so he spends a lot of his time quoting scriptures out of the Bible. I’m a Christian too, so this didn’t bother me too much (although I’ve never figured out how finances and Christianity related to each other), but I did think that was worthy of mention, because if that’s something that would bug you, you won’t want to pick this book up, or any book by Dave Ramsey since he does the same thing in his other books.

To be fair, there were parts that made me laugh. Case in point: Dave was trying to drive home the point that bad things will always happen to you, and so he gave the following “test” for the reader to perform:

“Put this book down now. Hold your right hand up in front of you with your elbow bent. Now reach your left hand across the back of your wrist to where your fingertips touch your main artery, and then check for a pulse. Is your heart beating? If you are alive and walking around, things will happen to you that you don’t think will. The only way you can avoid unexpected financial events is not to be alive – so they’re not ‘unexpected’ events, are they?”

He also said, “One of my friends said her grandmother taught her to have a G.O.K fund – God Only Knows.” That made me laugh out loud, which isn’t common for a nonfiction book on finances. ;-) I decided my emergency fund needed to be renamed to the GOK fund, because that sounds much cooler than a plain ole’ Emergency Fund. :-D

But overall, a much better book to read Dave Ramsey’s other book, “Total Money Makeover.” That has more concrete information that is actually usable.

Overall, I give it 3.25 stars out of 5.

Havs

3 responses so far

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