Living Rich With A Few Pennies

Do you dream to live a life abundant with riches? So did Ray Walters. The quest for happiness lures many to pursue power, prestige, and possessions. Often, in vain, we look for happiness in the wrong places and gain no lasting satisfaction. Beginning with the hippie culture of the sixties, exploring philosophies, traveling, and thrill-seeking, Ray finally attained the treasures of life that cannot be purchased. After he made this discovery, his life changed dramatically. Instead of emptiness and hopelessness, Ray found a life full of meaning and purposea truly rich life that took him across three continents and afforded him experiences far beyond his dreams. Experience Rays story and how he learned that genuine prosperity can be obtained by anyone.

Do you dream to live a life abundant with riches? So did Ray Walters. The quest for happiness lures many to pursue power, prestige, and possessions. Often, in vain, we look for happiness in the wrong places and gain no lasting satisfaction. Beginning with the hippie culture of the sixties, exploring philosophies, traveling, and thrill-seeking, Ray finally attained the treasures of life that cannot be purchased. After he made this discovery, his life changed dramatically. Instead of emptiness and hopelessness, Ray found a life full of meaning and purpose a truly rich life that took him across three continents and afforded him experiences far beyond his dreams. Experience Ray's story and how he learned that genuine prosperity can be obtained by anyone.

The best financial planner Michelle Singletary ever knew was Big Mama, her grandmother. Big Mama raised Michelle and her four brothers and sisters on a salary that never reached more than $13,000 a year. Yet at her death, Big Mama owned her own home, had paid off a car loan, and had a beautiful collection of Sunday-go-to-meeting church hats and a savings account that supplemented her Social Security check and small pension. Most important, she had taught Michelle “7 Money Mantras for a Richer Life.” Those mantras serve as the inspiration for this straight-talking book of practical personal financial advice that really works. The 7 Money Mantras are: 1. If it’ s on your ass, it’s not an asset! 2. Is this a need or is it a want? 3. Sweat the small stuff. 4. Cash is better than credit. 5. Keep it simple. 6. Priorities lead to prosperity. 7. Enough is enough. Michelle Singletary is a syndicated columnist for The Washington Post whose popular personal finance column appears in more than 120 newspapers. She’s also a mother of three children who understands what it’s like to live on a budget. In a plainspoken, sassy, no-nonsense voice, Michelle provides answers to the financial issues that confront almost every household: how to teach children the value of money; how to address money issues in a relationship or marriage; household saving tips; getting the best loans; and much more. “This book is about saving enough money to have choices,” she writes. “It’s about feeling free to be cheap if you can’t afford to buy a ton of gifts at Christmas. It’s about eliminating wasteful spend-ing so you can begin to save and invest. It’s full of uncommon commonsense lessons and guidance on the way people should use their money.” With humor and down-home financial wisdom, Michelle Singletary offers practical and realistic advice that will help you live well with the money you have. Michelle Singletary on . . . Romance and Money “It’s okay to say: ‘Honey, I love you and everything, but if you need money, ask your mama.’” Credit Cards “We are minimizing our financial potential by making minimum credit-card payments.” Car Buying “If you want to save money, keep your car until you’re on a first-name basis with the local tow-truck drivers.” Leasing a Car “You, too, can drive a car you can’t afford and then have to give it back. It’s crazy.” Gift Giving “Generosity isn’t about how much you spend. It’s about how much thought you put into the gift.” Penny Pinching “I once bought a stick-shift car because it was $1,000 cheaper than the automatic in the same model. There was just one little problem. I couldn’t drive a stick-shift. But at least I saved $1,000!”

Frugality Wisdom with the right mindset will focus Wealth as Thought and Not things , as most meaningful manifestation of frugality is in the use of our time, our words, our thoughts and our actions. Hongkong Tycoon Mr Li once told his son: “My apple tastes different to yours. It tastes much better. That is because when I was a little boy, I passed by fruit stands, and I had no money to buy any fruit.” He further elaborates ; “Observing billionaires spending their money, we learn a lesson in living: Life can be designed . Careers can be planned .Happiness can be prepared . When you are poor , try spend less time at home and more time outside . When you are rich ,stay at home more and less out side . This is the art of living with frugality . When you are poor spend money on others . When you’re rich spend money on yourself. When one is poor be good to others , When one is rich, one must learn to let others be good to you . You have to learned to be good to yourself better. When you are poor , you have to throw yourself out in the open and let people make good use of you When you are rich , you have to conserve yourself well and don’t let people make use of you. You do not need to be afraid of being poor , you need to know how to invest in yourself and increase your wisdom and stature .

'I Will Teach You To Be Rich' is a practical approach delivered with a non-judgemental style based on the four pillars of personal finance - banking, saving, budgeting and investing - and the wealth-building ideas of personal entrepreneurship.