Free PDF , by Jessica Simms

Free PDF , by Jessica Simms

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, by Jessica Simms

, by Jessica Simms


, by Jessica Simms


Free PDF , by Jessica Simms

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, by Jessica Simms

Product details

File Size: 223 KB

Print Length: 84 pages

Page Numbers Source ISBN: 1977036627

Publication Date: March 2, 2018

Sold by: Amazon Digital Services LLC

Language: English

ASIN: B0796FZVGF

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Amazon Best Sellers Rank:

#71,812 Paid in Kindle Store (See Top 100 Paid in Kindle Store)

I've always been working in finance and have zero experience in the coffee industry. Like many of us, I feel worn out at work and have developed a fantasy of making a living just sitting in my own little coffee shop and chill through the day with my lovely cat. After reading just the first few chapters, I realized that I am still really far away from that dream. I am seriously considering taking some coffee classes and boy, they are pretty costly. Definitely an eye opening book for me and I feel like I have a much better direction to work towards instead of just dreaming all the time. Very quick and easy read, very to the point with no useless materials to waste your time on. Highly recommended as a first book into the business! Of course you will need to read more books as you progress through your plans to get a more in depth understanding on the business. But this is definitely the perfect first book on the subject.

I’m hoping to open a cafe in the next year and fortunately came across this book by luck! I had yet to find anything like this beforehand. I loved how straightforward and to the point it all was. I loved how realistic the information was and how it also gave encouragement with doses of good realty. The one thing I would have loved to read was an actual example of a small business coffee shop. Including their figures, how it did the first year, how they managed it, things like that. Other than that, I’m very grateful I found this book and I learned a lot of information that was needed! I’m grateful the author felt inspired to take the time to write it.

Easy to read and understand. Gave a backstage view into building a coffee house. I the author spoke of site, building, equipment and counter layout along with supplies, budget, salary and long term fiance. Great eye opener for the dreamer and the business person. I feel this book gave me the insight to learn and prepare more for this journey. The author provided valuable insight and experience. I now have a glimpse into the journey ahead of me.

This book is by far the best one I've read while research opening a coffee shop! Easy to understand and a lot of good information!

I like that this book can be a quick reference for the things it goes over. It explains things in a concise, but meaningful way. This book will definitely be with me when I eventually start my business and I’m glad to have it. I couldn’t find many things I didn’t like about this book considering it did exactly what it says. It’s a short, but factual resource.

I like the way things are broke down to make the reading simple. I was able to create a buisness plan outline . Thank you for sharing your knowledge. Great read and highly recommend.

Simple but adapted to the States less useful in Hungary.

Very informative. Can be a “go to book”, especially for people like me, dreaming about having their own coffee shop someday.

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Download Ebook Your Money or Your Life: Transforming Your Relationship with Money and Achieving Financial MORE, by Joe Dominguez Vicki Robin

Download Ebook Your Money or Your Life: Transforming Your Relationship with Money and Achieving Financial MORE, by Joe Dominguez Vicki Robin

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Your Money or Your Life: Transforming Your Relationship with Money and Achieving Financial MORE, by Joe Dominguez Vicki Robin

Your Money or Your Life: Transforming Your Relationship with Money and Achieving Financial MORE, by Joe Dominguez Vicki Robin


Your Money or Your Life: Transforming Your Relationship with Money and Achieving Financial MORE, by Joe Dominguez Vicki Robin


Download Ebook Your Money or Your Life: Transforming Your Relationship with Money and Achieving Financial MORE, by Joe Dominguez Vicki Robin

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Your Money or Your Life: Transforming Your Relationship with Money and Achieving Financial MORE, by Joe Dominguez Vicki Robin

Amazon.com Review

There's a big difference between "making a living" and making a life. Do you spend more than you earn? Does making a living feel more like making a dying? Do you dislike your job but can't afford to leave it? Is money fragmenting your time, your relationships with family and friends? If so, Your Money or Your Life is for you. From this inspiring book, learn how to get out of debt and develop savings reorder material priorities and live well for less resolve inner conflicts between values and lifestyles convert problems into opportunities to learn new skills attain a wholeness of livelihood and lifestyle save the planet while saving money and much more

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From Publishers Weekly

Based on their West Coast self-help seminars, the authors map a route to financial security through a prudent and environmentally friendly way of life. Author tour. Copyright 1993 Reed Business Information, Inc.

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Product details

Paperback: 384 pages

Publisher: Penguin Books; Reprint edition (October 1, 1993)

Language: English

ISBN-10: 0140167153

ISBN-13: 978-0140167153

Product Dimensions:

7 x 1 x 5 inches

Shipping Weight: 1.1 pounds (View shipping rates and policies)

Average Customer Review:

4.1 out of 5 stars

502 customer reviews

Amazon Best Sellers Rank:

#317,937 in Books (See Top 100 in Books)

I found this book worthwhile, but not what I would call 'the perfect solution". I am over 70 and have spent my life living frugally, continually saving and investing for the future and retirement. I have been quite successful at growing net worth, while living comfortably. I truly believe a key component is learning who you are and understanding how you are best suited to reach your goals. I personally think this book is too caught up in looking at every penny. I think each penny is important, but have focused on being sure there is constant savings. I don't expect my approach to work for everyone, but I want to emphasize that there can be many paths to reach the same goals. I suggest reading a wide variety of approaches that focus on saving and investing for the long haul. I have made small changes along the way when trying new things. In the end I have found that success came with simplicity. Look for the big picture in the book and any other. Growing wealth is like growing a big tree, strong trees grow big over a long time.

Basic principles of this book are decent, however, the principles are not gold and it could be summed up well in 50 pages or less...not the redundant, ranting 300 page book it is.First 80 pages of the book are worthless and torture mostly focusing on the consumerism/doomed/horrible smog-infested society we live in, last two chapters most useful and can be read in a bookstore.I did not like many examples given; it seemed to focus on divorce excessively with ~ 80% of case report examples of "FI-ers" being divorced which I found rather odd and unnecessary to mention.Take home points of this book: Spend less than you earn, save, document every penny you spend, become a minimalist and only purchase things you need, the less you need the more fulfilled you will be, the less you will work, etc.Things to consider:1) The "FIer" lifestyle is not for everyone- I equate an "FIer" to the tiny home movement in principle.2) Book recommends that bonds should be the mainstay and the only thing in your portfolio. I strongly would discourage this. "Safe" bonds which I pretty much consider anything that that is not a junk bond or preferred stock bond, are not hitting the high yields that Joe Dominguez saw in his day and on many years aren't comparing to rises in inflation. While you can never predict the stock market, when looking at time tables- it always goes up. Traditionally, stock markets rise while bond yields go down some and visa versa. The best way for security and safety is proper allocation to each of these modalities: bonds (treasury bonds are great as mentioned in the book because you aren't charged state taxes, however, what the book fails to remind you of is that federal taxes are still fair game) and diversified stock portfolio most safely done by investing in mutual index funds with low fees (e.g. Vanguard). The older you are, for safety, the more bonds you should have in case the stock market plummets during your retirement years. For conservatives a 60% mutual funds and 40% bonds is recommended. For a retirement person, 20% stocks and 80% bonds should be considered. When you have all your eggs in one basket, you lose that safety net.3) Other things I disagree with in this book- everyone should have health insurance, you should not forgo this to "save" money; sure buy the less comprehensive plan if you are healthy and pay less and have a higher deductible but you are gambling when you forgo it all together.4) They also suggest in this book "rolling-over" your 401k and 403b accounts to bonds; however, these are pre-taxed dollars and you will likely get slammed- most retirement plans now give options to the "risk" or rather stock/bond ratio you desire. I would more likely suggest rolling money to Roth IRAs (post-tax and therefore tax free with capital gains) or just leave your nest egg to compound growth where they are at.Now I am ranting. Cheers.

The first 8 chapters of the book are great, chapter 9 should just be deleted. The original book recommended putting 100% in Treasuries. Since that is clearly a terrible idea now, the book grudgingly recommends index funds.The thing that drives me nuts is the book says that it took 25 years for the stock market to recover from the Great Depression. This is a lie, when you account for dividends and deflation it took 4.5 years to recover if you put a lump sum in at the absolute peak.If you’re going to try and scare people at least be honest. Also if you’re going to pretend that 100% treasuries was a great idea in the 80s at least mention that a 60/40 stock bond blend would have blown it out of the water.

As a Certified Financial Planner professional with over ten years of experience helping clients with retirement planning, I'm sincerely impressed by this book, and have to say that this is a powerful resource for anyone that is seriously interested in becoming Financially Independent (FI). My only feedback is that the book, doesn't emphasize enough, how difficult it is, when you have a spouse or life partner, to change deeply rooted financial money scripts and behaviors. That said, if you (and your life partner) are dedicated to Financial Independence, then this read, is in my professional opinion, a very worthy investment of "life energy" in deed. Good luck on your financial life journey, and may there be many blessings to you and yours! :-)

The content is good, but it is written as if someone just dictated a seminar that lasted a week. It is full of "take Mary for example, she did blah blah blah and blah blah happened" followed by 3 more examples. Yea, I get it. I got it before the example and now I am just annoyed skimming past the examples thinking about the trees that were killed for no reason. Overall, there is some good content in the book, but it could have been cut down 25% easily. After reading the first half of the book I learned to just skip over the examples and skim some of the paragraphs to keep my sanity to make it through to the end

This is the perfect finance book for someone who is now starting out and really for anyone that is trying to get a different perspective on money and how they handle it.However there are some flaws with it number one being that I don’t believe that financial independence or the crossover point as it is called in the book is that easy to maintain once it is reached as several of the examples in the book spoke of people having to readjust their lifestyle when life changed which is something that we all know will happen.Overall however I think tracking your money, seeing your money as your life energy, tracking your income versus expenses for a long period of time and using the three questions to see if you’re getting the best value both emotionally and in line with your values is excellent advice so I would recommend this book to anyone looking to improve their relationship with money.

Your Money or Your Life: Transforming Your Relationship with Money and Achieving Financial MORE, by Joe Dominguez Vicki Robin PDF
Your Money or Your Life: Transforming Your Relationship with Money and Achieving Financial MORE, by Joe Dominguez Vicki Robin EPub
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Your Money or Your Life: Transforming Your Relationship with Money and Achieving Financial MORE, by Joe Dominguez Vicki Robin PDF

Your Money or Your Life: Transforming Your Relationship with Money and Achieving Financial MORE, by Joe Dominguez Vicki Robin PDF

Your Money or Your Life: Transforming Your Relationship with Money and Achieving Financial MORE, by Joe Dominguez Vicki Robin PDF
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