Best understanding your financial calculator 2020.
1 – Understanding Your Financial Calculator, 5th Edition
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2 – CFP Exam Prep 2015: Understanding Your Financial Calculator
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3 – Understanding Your Financial Calculator, 4th Edition
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Very good book. I highly recommend it to anyone. Way better than any other alternative. .
had a lot of writing in it but still served its purpose. .
Good! .
This book will be very helpful to me, since I am taking courses for the CFP examination and I am learning to use the Financial Calculator for the first time! .
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4 – Understanding your financial calculator (Dalton PFP series)
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Excellent .
Excellent book. Gives good examples. But lets face it. You really need to put your time in to master certain techniques. Mike .
very necessary if you want to learn the use of any or all finance calculatoprs, finance, and keystrokes well written .
Worth its weight in gold!!! .
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5 – USA ed. How to Own Your Home Years Sooner & Retire Debt Free
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I first came across the concept of mortgage acceleration payoff on YouTube through a series of videos from ReplaceYourMortgage.com. The video’s prompted me to research the strategy more thoroughly to verify its legitimacy. It turns out that there are dozens of companies marketing this strategy.After researching this acceleration payoff strategy on several blogs and forums, I found individual testimonies of how it truly worked for them. So I was determined to learn the strategy for myself. The problem that I ran into though was the ridiculous amount of money some of these companies wanted for their services. In the ballpark of $4,000 to $5,000!I almost paid $4,000 to ReplaceYourMortgage.com that was until I came across a YouTube video of the Speed Equity System created by Harj Gill ( https://www.youtube.com/watch?v=0sm-MFuciBw ). Mr. Gill gives a brief presentation explaining how to use his Speed Equity System to take advantage of the key banking principle he discovered. I learned that Mr. Gill brought this mortgage acceleration payoff strategy from Australia to the United States in the late 90’s. I didn’t understand what the key banking principle was so I decided to purchase his book, How to Own Your Home Years Sooner & Retire Debt Free (U.S. Edition).Book Review:I devoured the book in three days! Mr. Gill is an educator and it clearly show’s throughout his book. He ensures that the most important principles are explained in a way that you won’t forget. One example is The Key Banking Principle: “The interest on your mortgage is calculated on the DAILY OUTSTANDING BALANCE and charged at the end of the month (called monthly in arrears).” He does an excellent job at helping you understand what The Key Banking Principle is and how you can use it to your advantage.He also exposes a lot of myths and bad information circulating about money and mortgages. One example is the misunderstanding that it is advantageous for you to NOT payoff your mortgage because of the tax deduction on the interest. WRONG! Mr. Gill plainly presents in his book how this line of thinking is false and that NOT having a mortgage frees up a substantial amount of your disposable income each year.Mr. Gill’s book also exposes the problems of how we have been taught to pay down our homes and offers a fantastic solution. With the knowledge in this book combined with the power of the Speed Equity Software, you will be amazed at how much time and interest you can save with your mortgage by using it yourself.Speed Equity Software Review:So how do I know that we are on track to saving around 22 years and $80,000 in interest on our mortgage? The answer is the Speed Equity Software.The software is designed in such a way that if you thoroughly go through your finances and enter your income, debt, and expense information, you are able to see what your potential time and interest savings can be. It is powerful because it gives you a target to aim at. I have heard and believe that “If you aim at nothing, you will hit it every time.†This software gives you the mortgage payoff target to aim at!You can also input “What If†scenarios such as buying a car or going on a vacation to see how that cost would affect your time and interest savings on your mortgage. That means you can plan your spending and get instant feedback on what the future cost would be.It also calculates the optimal amount of money to inject into your mortgage from your HELOC to maximize your time and interest savings. People like myself who have chosen to use a HELOC in the second lien position use this calculation. As opposed to refinancing a perfectly good fixed rate mortgage into a first lien HELOC costing thousands.You must read the book to understand the information and strategy behind the above information.I also highly suggest that you start a monthly spending plan (budget) if you haven’t already and keep it up every month. It will help you tremendously if you know where your money is going and if you are cash flow positive or negative. I use Google Sheets, which has free budgeting templates that work well in Google Drive.WARNING: If you are CASH FLOW NEGATIVE this strategy WILL NOT WORK for you. You need to know if you are making more money than you spend each month.Conclusion:Why waste THOUSANDS of your hard earned dollars on imitators that take advantage of your lack of knowledge? When you can get it from the pioneer of accelerated mortgage payoff for a FRACTION of the cost! I ended up paying $10 for the Kindle version of this book and $499 for a 15-year subscription to the software. That’s a savings of nearly $3,500 had I gone ahead and signed up with the previously mention company.I highly recommend How to Own Your Home Years Sooner and Retire Debt Free (U.S. Edition) and the Speed Equity Software to anyone seeking freedom from the weight of a 30-year mortgage. The banking industry doesn’t want you to know the information in this book because it leaves money in YOUR pocket as opposed to THEIRS.The rich rule over the poor, and the borrower is slave to the lender. Proverbs 22:7Reach out to me at [email protected] if you have any questions. I hope my review has blessed you as much as I have been blessed. .
I wasn’t either. What compelled me was my over-riding desire to reach my goal. Hopefully this review can provide you with basic information to make a better decision.I am a husband, father, and a high school teacher with a strong desire and interest in the concept of paying off our two mortgages; the one for our rental and the one for our primary home. My initial inquiries for more information began online, migrated to YouTube, and then eventually took me to my local bookstore. It was during my YouTube search that I came across the video presentation and the book, “own your home years sooner…â€. I purchased and read it over two days and suddenly felt empowered with a tactical plan to accomplish our goal. I understood the concept but wanted to ensure my best understanding. For that reason, I reached out to the author, Harj Gill, to cultivate a relationship which could surround me with a mentor to help us accomplish our goals. I’m very glad that I did.Part of the tactical plan of the book is to help us lay out a specific road map which allows us to see the power of the strategy as it ‘kills off’ the loan(s) over time. The program shows you the impact of what cash injections have on the length of the loan and the amount of interest that is saved. The results of these reports, however, are only as good as the accuracy of the information. I actually made my own table in Excel and I believed that my table could give me the specific information needed to sustain the discipline which the strategy requires. What I discovered is that Harj’s program, the Speed Equity Software, is more thorough because it has more input variables than my table. The short story here is that moving forward; Harj’s software program will be what I will be using.Please note the words that I used in the previous chapter. Each of these elements is necessary. They were ‘specific information’, ‘sustain’, and ‘discipline’. You will need specific inputs to produce the best and most accurate results. Accuracy is the key. You will also need stamina and discipline to sustain this endeavor. In all likelihood, this will take time, in many cases multiple years. Both spouses need to see the vision otherwise it will be very difficult to see the goal through completion with only one of you on-board. Finally, let me add another term; positive cash flow. This is not for everyone and you do need positive cash flow at the end of the month in order to make this a reality. If you do not have positive cash flow, you will need to discover ways to create it, and or save it. Positive cash flow is not covered in this book but you will need it just the same. A great first step towards positive cash flow is a budget. I mean a real budget, one that tells you exactly what your income is and where you are spending each of your dollars. T
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are many factors that produce success, but the more positive cash flow that you have the greater your results.If you are serious about paying off your mortgage and want a step-by-step plan that will put you on the ‘correct track’ to see your goal, without breaking the bank to get informed, then this is a book that ought to be in your library. .
The whole method of the book could have been written in one chapter. It is actually a GREAT idea but this review is about the product (book) so here it goes.The majority of the material is self help stuff and fluff about taking responsibility for your own future. That’s fine and all but there is a disproportion on self promotion of his paid website to actual content.Every section of the book says that you should not apply this strategy without “creating your personalized plan”Here is a direct quote from the book:”If you choose not to follow through with my recommendation of creating your personalized Speed Equity Plan, then PLEASE DO NOT GO ANY FURTHER BECAUSE YOU WILL FAIL.”You get strung along and can’t wait to find out about how to create the personalized plan then suddenly, the book ends.Guess what? the software to create the personalized plan costs $499 on his website.I understand there is a price to pay to use software, the mortgage interest savings from using the software pay for the software itself. However, a book promoted to teach you a system should be self contained and teach you how to create your own plan without additional services.If you are going to funnel me into your landing page to offer me more services, offer me a way of doing myself, don’t sell me your marketing material on Amazon. .
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6 – Budgeting and Financial Management for Nonprofit Organizations: Using Money to Drive Mission Success
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Unusually underwhelming. This topic is full of life – and this book does a somewhat decent job of getting the points across. My issue is that after reading the chapters, and having homework assigned there are questions that are not explained throughout the chapter. Case and point: Chapter 3, assignment 3.2 – where does this chapter go into detail about how to include safety of margin in your calculations? It merely passes by this info briefly in their “consultation example” on page 53 (or so). This happens on each assignment where I feel like I really understood the chapter, and then I am assigned questions that were not explained to me in enough depth to have them answered correctly. It’s slightly annoying, and wastes my time. .
Just another book for school. Although my teacher did find mistakes in it and there are assignment questions that don’t give you all the needed information to answer properly. .
The book was fairly easy to read for those with a rudimentary understanding of finance. However typos were extremely distracting for assignments .
Too expensive and the content doesn’t worth it. .
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7 – Understanding Your Financial Calculator
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This book will walk you through each keystroke of different financial functions, many related to financial planning. It shows the keystrokes for the HP17BII, HP10BII, TI BA II Plus, SHARP EL 733A, and the HP12C (a great calculator!) After you learn the steps of a function, it will quiz you and you can check your answers to the answers in the back of the text. In my opinion, this a very helpful book! .
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8 – Financial Management for Nonprofit Organizations: Policies and Practices
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I took a class from Garrett Theological Seminary for which this book was required. It’s thick with tiny print which was a little daunting at first, but it’s chock full of practical information useful to anyone involved in nonprofit finance or accounting, from a CFO to a local church volunteer treasurer like me. I wouldn’t recommend it for someone with no experience or background in bookkeeping or accounting because it does assume you have a basic foundational knowledge. In fact it felt like I was getting a degree in accounting while reading it. Lol. Very thankful to have taken the class and will be using this book for reference and guidance for years to come. .
Bought for school, condition and arrival received as advertised. .
This is a great book for anyone wanting to learn about nonprofit governance. .
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9 – The Basics of Public Budgeting and Financial Management: A Handbook for Academics and Practitioners
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This is the worst textbook I’ve ever had hands down, and I’m only on chapter 1. Actually, I’m only on question 2 of chapter 1. Question 1, after a twenty page chapter, asks you to define terms and discuss them. One problem with that, the book did not discuss said terms in chapter. It does however compensate for that by giving you a very clear three word directive on what to do. “Research these terms” Now you may think, “Hey, it probably gives you some place to look to help you on your quest to, “Research these terms,” a clue or a website or a book reference to go on” No, no it doesn’t. Chapter 1, question 1, is a stupid stupid scavenger hunt. And if you are thinking that maybe he put them later in the book, the answer to that is also no.So maybe the next question is better? Nope. The question literally says go look at chapter 5 because chapter 1 doesn’t cover this. You might ask why didn’t the Charles E. Menifield put this question in Chapter 5, well, much like every other question in this book, the book is silent on this question also.I’d say the book would be useful to burn for warmth, but it’s not that big a book. So completely useless. .
This is the most direct textbook I’ve ever had for a class, so from that viewpoint, it is great. With that said, however, it is also the worst proofed and edited book I’ve ever read in my life. (And I am an avid reader, including of writers’ self-published works, so this is saying a lot.) Luckily for me, when my professor gives an assignment, he gives the editorial corrections needed for the book to make sense. For example, When Chapter 5 Question 3 says see (Appendix 5C), it should read (Exhibit 5.2). This is completely unacceptable from a textbook. Otherwise delightfully on point, the utterly pervasive errors detriment what would have been a great textbook. .
not yet to do so .
Very well written. It in detail gives explanation of terms and how to set different types of budgeting. I’m using this for my BA in Public Administration. It also serves as a guide to formulas making the budgeting much easier in excel. .
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10 – The Tools & Techniques of Financial Planning, 12th Edition (Tools and Techniques of Financial Planning)
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In my case, have insurance agencies under our management and lead. When you need to go out and visit clients with your agents, specially business owners, you better have this resources in your belt of knowledge because these entrepreneurs observe you carefully. Financial and Estate Planning are very specialized knowledge and if your live in the real business world, L Library will not be a waste of money at all. .
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11 – Principles of Finance with Excel
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I think the content of the book is good, but the presentation of the material is not the greatest. There are noted editing failures as errors slipped through. Overall, helpful for learning various Excel concepts. .
Principals of Finance with Excel is by far the best and most useful finance text that I’ve used. In fact, my class is using a different text and I had to buy this book as a reference because the other was lacking in practical application instructions. My plan was to sell, as I normally do, this textbook back at the end of the semester but I’ve changed my mind. This book is so useful that it is going to stay with me as I head out of school and into the workplace. The concepts are explained clearly (but its not wordy) and the best part is the step-by-step instructions to transfer the concept into action with excel.The CD that comes with the text is very helpful, it has all of the excel spreadsheet examples and answers to the exercises provided for you with Mr. Benninga’s notes and cell formulas. I would certainly make sure that you get a new copy or a used copy with the CD.I would highly recommend this book to anyone looking to improve their working knowledge of excel or finance or both: This is the ultimate handbook to the use of excel for finance. .
Ordered for a class and the book came in great condition. .
This book has great content and covers a lot of the basics of finance and Excel, but TONS of problems have errors from either past editions not being updated or just being flat out wrong. It’s frustrating spending hours just trying to figure out whether or not your answers are right and having to consult other sources and general logic, and sometimes you just end up skipping the problem because there’s no point in stabbing in the dark without even knowing if you are correct or not. If it weren’t for this issue, it’d be a 4 or 5 star book for sure. .
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12 – Study Guide for Financial Markets and Institutions
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This was a great study guide, it highlights the main concepts in every chapter. It has several exercises for every chapter including fill in the blank, matching, and short answer. All of the answers are also included at the end of the book. Helped me get an A in the class! .
If your class does not say get this book, I would skip the expense. .
it’s just totally worth the money. Has all the questions (AND solutions as well) asked by our teacher during the examination. .
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13 – Cornerstones of Financial Accounting
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Received quickly, perfect condition. .
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14 – The Model Thinker: What You Need to Know to Make Data Work for You
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The author provides the reader with a nice summary of useful models, yet the delivery of the material is a bit cluttered and lacks continuity. It is dreadful to read in one sitting, and lacks enough rigor to be particularly interesting from a technical perspective. I am unsure what the author’s intentions were when writing the book; it is a survey of certain models without developing a strong technical foundation and is not a light enough read to make the text enjoyable. I believe it could be a useful resource for those looking to expose themselves to new models, but the author’s delivery makes it a battle to put the time in to gain that exposure. .
In this well-organized and well-edited book, Page clearly demonstrates why his course in Coursera is a hugely popular one. Anyone who has to deal with (or would like a more formal approach for thinking about) strategy, policy, processes, or systems will significantly benefit from this book. One could argue that the models presented are not new – and thats true; what is beneficial to the reader is the well-orchestrated progression of types of models and their assumptions, structure, limitations and examples.Page first makes a well-reasoned plea in favor of approaching any problem with a diverse set of models – each have various assumptions and may therefore implicitly capture (or discard) certain aspects of the system. After motivating the reader with basics of distributions, Page covers an extensive range of models ( a glimpse of the table of contents is sufficient for a potential reader to understand that various modeling techniques and learning mechanisms are covered). Page uses a variety of examples drawn from various domains, though skewed to policy/social sciences. The common theme is mostly think strategically, in a tractable, explainable way’. The earlier chapters discussing aspects of a model in itself is a useful discussion. The book’s organization largely follows his approach in his online course a “visit to the zoo†– the order in which you visit the exhibits is not that crtitical (nor is this is a book to be necessarily read linearly).While the editing of the book is excellent (no extraneous information, fillers), the book is essentially a text book or a reference source. A student in engineering, political sciences, business/management and any practitioner in these fields will benefit from this book. Most of the content (if not all) is available for free in slightly different formats via his course. However, the utility of having a well-produced book that one can leaf through and pick models to investigate is a huge bonus. There are some changes that makes the content more streamlined too. One wishes there were more examples or challenges to the reader as a homework’. Nevertheless, this is a must-have book for any one interested in modeling strategic and operational decisions and informatics/machine learning students.(Review Based on an ARC via NetGalley) .
I have been waiting for this book for 20 years. Too often, leaders of businesses and nonprofits are unaware of the many ways of seeing the world, of using different lenses. The book is not just about data and (clearly described, intuitive) math, it is about thinking logically and better understanding every aspect of the world. It should go beside Lars Skyttner’s book on Systems Theory and the books Turning Numbers into Knowledge and Data Science for Business on the thinking person’s bookshelf. It is never too late to exercise your brain! .
First of all, I bought this book thinking it was about far more complex models. I even have a hard time thinking of the models covered in this book as models, but rather as formulas, and mostly short ones at that. I did a little research and sure enough they are. A lot of work went into this book and it covers a lot of territory. Page warns us that most, if not all, of the formulas, excuse me, models, look at their subjects at a surface level and require a good deal more complexity to be really helpful. Instead, he recommends multi-modeling to gain more perspective. In other words, one over- simplified model isn’t as good as many over-simplified models. I’m not so sure. I think his most valuable advice is to use the modelling process as a step in the decision-making process, producing information that can inform a thoughtful decision making exercise. My experience is that this is true even with complex models. I know that game theory is very popular, but I found the discussion, not because of Page, to leave me wondering about their real value. I think the chapter on auctions could have been left out. The motivations of bidders, and sometimes those that hold auctions, is so complex that, in my opinion, it defies modelling. .
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15 – Principles of Business, Marketing, and Finance
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16 – Social Security Made Simple: Social Security Retirement Benefits and Related Planning Topics Explained in 100 Pages or Less
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I learned about this book from a cnbc article that had a link to an “opensocialsecurity.com” calculator, which presents a recommended age for you to elect your benefit, based on age, marital status, and “Primary Insurance Amount,” i.e. the benefit you’re scheduled to be awarded at FRA. For me, it suggested age 67 and 9 months for a specified total “payout.” I bought the book because I hoped to gain a better understanding of why this age was recommended for me (algorithms, actuarial considerations etc.). There aren’t any clues. All I found was the same “Wait till Age 70 if you can” vs. “Take it at 62 only if x,y,z applies” discussion you’ll find just about anywhere. So, I’m still scratching my head to know why age 67 and 9 mos. is better for me than age 70 (which has an attached total “payout” of less than $5000 over that which I’d receive taking benefits at my FRA.) I guess the calculator figures you’re lucky if you reach 85, or some undetermined age. To his credit, Mr. Piper encourages feedback and provides contact information in the book. I will mail him, and adjust my rating if I get the information I was hoping for .[Update : Mr. Piper did respond, and in timely fashion, and addressed my questions to my satisfaction.]Otherwise, It’s a decent, concise book I suppose (though I think it’s perhaps a bit pricey for a paperback a little over 100 pp.). Maybe the price went up along with 2% COLA increase last year. 🙂 .
This book is “okay” if you’ve never researched Social Security at all. Points are succinct. They get to the point quickly. Many pages may not apply to your specific situation — not the author’s fault (he’s trying to be all things to all people). Just know this info repeats what your other studies may have already told you. In concert with it is the online calculator that tries to determine your exact best time to start collecting Social Security — and I have not found another — online, nor anywhere else. Let’s hope it’s accurate.I found this very easy to tolerate, as opposed to the grueling rendition of the audible versions of the “Get What’s Your’s ” series on Medicare and Social Security. My God, the melodrama in those presentations are ANNOYING!! 🙂 .
This book is written on the complete idiot level, which makes it easy for me to understand. While admittedly it doesn’t cover every oddball circumstance and nuance that SS law does, what it does contain will be everything that 95% of the population needs to know about filing for benefits. The book helped me in a couple of areas I might have overlooked when I filed, such as how military service is applied to SS earnings.The book doesn’t have the fluff and extraneous info that so many include just to bulk it up. You can consume the book in an hour or so. Overall, I highly recommend it as the place to start and it might just be all you need. It was for me. .
Let’s be honest. Social Security can be complicated. Forget all of the political aspects of the program, but if you’ve been putting money into the system, it affects you. The problem is that once you’re eligible to start receiving benefits, it isn’t as simple as filling out a form and collecting checks. There are so many different rules, income limitations, age requirements, cut-offs, that it can drive a person mad.So, should you start collecting as soon as you’re eligible, or should you wait a few years until you can receive your full benefit? How much money can you make in retirement before it starts affecting your Social Security? Are your benefits taxed? What if you have a spouse, how will their benefits impact you? What happens if I already have a pension? And have you heard people talk about WEP? These are all common concerns that will affect all of us, and if you just tried to get the information from the Social Security website itself, you’d end up more confused than when you started.That’s why I think this book should be in the hands of anyone who is serious about their finances. Even if retirement is still years away, you will still be facing many of these decisions even if the specific numbers change over time. The author does a great job of breaking down this complicated program into its important components so you can find out what’s important to you and get the information you need. There’s no silver bullet or magic number when it comes to Social Security, so this book will guide you and inform you so that you can make the best decision for you instead of relying on some generic advice you find online or hear on TV.It’s short, it’s an easy read, and it’s to the point without making things any more complicated than it needs to be. .
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Best understanding your financial calculator 2020.
Best understanding your financial calculator 2020.