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Get your finances under control now. Feel the peace of knowing your checkbook is balanced and in the black. Relish the bliss of paying your bills on time and savor the power when you have a savings and are in control of your spending.

No more sleepless nights wondering how you are going to pay your bills. No more beating yourself up for unconscious spending, hiding receipts and credit card statements. No more needing approval from others. No more worrying when it comes to money. Pam's fun-to-use tools and exercises will soon be helping you tackle your money problems. Learn the secret, thought-provoking weapon she used to free herself of $26,000 in credit card debt.

You'll instantly want to use it every day to stop sabotaging your good intentions toward your finances as well as other areas of your life. This humorous book was written to entertain you while Pam helps you grow into a financially mature adult. It is her prayer that you'll be laughing all the way to the bank and to financial happiness while you bring your family right along.

• Sales Rank: #48273 in Audible
• Published on: 2013-11-26
• Format: Unabridged
• Original language: English
• Running time: 206 minutes

Most helpful customer reviews

13 of 13 people found the following review helpful.
The Reason behind the problem!
By Debra Cloud-Batten
There are many books available that tell the reader What to do to manage money well. This is the first one I've seen that addresses the underlying problem that prevents MANY of us from being able to apply good advice to our finances.

9 of 9 people found the following review helpful.
GREAT book
By Jane Swanson
I really enjoyed reading this book and got a lot out of it. I plan to re-read it and put the suggestions into practice. I don't call my inner child a brat but I sure hear a lot of "I want, I want, I want" and "More, more, more" from her. Learning to redirect that energy will make life less complicated.

8 of 8 people found the following review helpful.
Makes sense to me
By Ellen Dzak
Laugh out loud funny, with basic reasoning. It's about knowing what you need, not what you want.
Look within yourself to understand why you overspend. I like to reward myself for things that have to be done, no reward necessary. Pam explains that this is my inner brat crying for attention.
Thanks Pam, very nice book.

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• Sales Rank: #12275588 in Books
• Published on: 1995
• Binding: Paperback

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• Sales Rank: #4049858 in Books
• Published on: 1991
• Number of items: 1
• Binding: Paperback

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6 of 6 people found the following review helpful.
Multiplied Pages of Holy Enjoyment
By Reuben
Don't let the title, 'Mystical Verse' turn you off. This book is orthodox. But it's on fire, with a sweet holy fire that might bring you to tears. Break it open and find yourself captivated by Tozer's collection of amazing metered expressions of praise to the Living God. Watts, the Wesleys, Rosetti, Guyon, Cowper and various others join from many different centures in this little book, all singing one song: glory to the Lord.

Among all the various poets and hymnists represented, I feel that Frederick W. Faber stands like a giant. Delicious, metered, creative torrents of praise and wonder roll fresh off his pen, in broken-hearted praise to the Thrice-Holy.

For example, an excerpt from 'The Vision of the Godhead':

...And beautiful dread Attributes, all manifold and bright
Now thousands seem, now lose themselves in one self-living light;
And far in that deep Life of God, in harmony complete
Like crowned kings, all opposite perfections take their seat...

Or, in 'Desire of God':

...For the lack of desire is the ill of all ills
Many thousands through it the dark pathway have trod
The balsam, the wine of predestinate wills
is a jubilant pining and longing for God.

The book is worth searching for and finding. I had read it from our local library (which no longer carries it) many years ago. Only recently did I find one here at Amazon which was within my price range. Find it and enjoy, to the poetic praise of God in Christ Jesus!

14 of 14 people found the following review helpful.
A MAGNIFICENT BOOK OF SOARING, MYSTICAL POETRY
By Leonardo LCH Lenbenhear
How sad that this wonderful and inspiring selection of some of the world's greatest Christian and mystical poetry and hymns is now out of print and so hard to find anywhere...even on the Net.
Tozer does a splendid job of quoting the greatest poets and hymnists of the Christian Faith on the most important subject ever contemplated by Man: WHO/WHAT IS GOD ? ... and WHAT IS TRUE LOVE AND WORSHIP OF GOD ?

Your life will be truly enriched by reading these magnificent poems.

Tozer was one man who deep within his heart KNEW the realities of which these soaring, inspired poems speak so elequently.

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If you -- •  Have tension in your neck or upper back much of the time• Gave up most exercise because it bothered your lower back• Cannot exercise because back surgery or injury has lessened or
restricted your movement --Then this book is for you!

• Sales Rank: #1627907 in Books
• Published on: 1998-04-01
• Released on: 1998-04-01
• Original language: English
• Number of items: 1
• Dimensions: 8.00" h x .61" w x 5.25" l, .50 pounds
• Binding: Paperback
• 272 pages

From Booklist
Exercise therapist Swayzee makes a case for her program of strengthening the innermost abdominal muscles to stabilize the trunk, thereby relieving stress on and pain in the back. Additional promised benefits are improved posture, better respiratory function, and improved abdominal tone. The basic abdominal exercises are introduced in part 1. These are performed in a slow, small, controlled manner, with conscious deep breathing, which helps release muscle tension and enhance body awareness. Line drawings accompany lengthy, detailed instructions; special tips and precautions for each activity address those with recent back injury or surgery, the significantly overweight, seniors, and pregnant women. Parts 2, 3, and 4 present range-of-motion exercises to loosen and warm up the body, back-strengthening exercises to correct memory patterns, and a protocol of progressive stretches. As the deep abdominal muscles get stronger and tighter, Swayzee guides the reader to incorporate the body's new patterns into everyday activities. Well written and easy to follow. Penny Spokes

About the Author

Nancy Swayzee is a Medical Exercise Specialist and a Health and Fitness Instructor certified by the American College of Sports Medicine. As a specialist in functions anatomy, she focuses on restoring balance to the musculo-skeletal system. She has been trained in the Paul St. John method of neuro-muscular therapy.

Within her practice she specializes in treating patients with cervical an low back pain, TMJ syndrome, postural imbalances and other musculo-skeletal conditions. In addition, she develops fitness programs for a variety of special populations as well as patients referred to her rehabilitation exercise. Her abdominal and back strengthening program has gained recognition among master skiers, equestrians, runners and other athletes.

As a member of the Tahoe Forest Hospital Health Promotions team, she directs both the Senior exercise and the Aqua Aerobics program. She conducts abdominal and back exercise clinics at the hospital, and has been a regular presenter of the highly respected Women's Wellness Weekend held annually in Squaw Valley.

She lives in Cedar Ridge, California, close to her children and grandchildren.

Most helpful customer reviews

50 of 53 people found the following review helpful.
Have back pain? Don't ever want back pain? READ THIS BOOK!
By A Customer
Ms. Swayzee wrote her book for the lay person, yet you will find that it is not at all simplistic. IF YOU WANT RELIEF FROM LOW BACK PAIN OR IF YOU HAVE A HEALTHY BACK AND YOU WANT TO KEEP IT THAT WAY you must learn how to function, day to day, utilizing a stable trunk. This means, that YOUR UPPER BODY AND LOWER BODY NEED TO LEARN TO STAY TOGETHER AS A SINGLE, STABILIZED, UNIT as you lift, work, carry, etc. This book tells you how to use your inner abdominal muscles to achieve a stable trunk. In my opinion, the critical discovery set forth in this book is the use of forced-expiration breathing to achieve a body stabilizing abdominal contraction. This technique allows instant access to a stable trunk and can therefore be used moment to moment, throughout the day. I use her method constantly all day long. This is the only effective way I know to protect the back during the damaging rigors of everyday life. It allows a person to quickly target the proper abdominal muscles and then to maintain a more powerful, more sustained abdominal contraction when needed. During quieter activities when I am not lifting, pulling, pushing, carrying etc. I maintain a constant 10% to 15% contraction as a matter of routine posture. I look better and I feel better. IN FACT AFTER TWO YEARS OF SERIOUS DAILY LOW BACK PAIN, I FEEL GREAT!! If practiced for a few weeks, this health-preserving technique soon develops into a reflex that becomes automatic. THIS BOOK CAN CHANGE YOUR LIFE!

6 of 23 people found the following review helpful.
disapointed
By A Customer
I did not find the techniques helpful and found other back books more useful.

15 of 17 people found the following review helpful.
A FANTASTIC BOOK TO REBUILD YOURSELF
By A Customer
I love the book. Very well explained. Simple exercises but very effective. I have bought many books about the back, and this is really the best. I just would love to get the audio tapes. I live in UK. Please, if you know how I could get them, write me to javismiles@excite.com thanks a lot

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• Sales Rank: #438559 in Books
• Published on: 2002-02
• Number of items: 1
• Binding: Paperback
• 96 pages

About the Author
Dolf de Roos is a real estate investor who bought his first property as an undergraduate student. After completing eight years of university education and earning a Ph.D. in Electrical Engineering he was offered a job at $32,000 per year. The week before, he had completed a real estate deal worth $35,000. Consequently, he didn't accept the job and to this day, has never had one. Dolf willingly shares his enthusiasm for real estate and has "rattled cages" in audiences in over 16 countries. He passionately believes that the "Deal of the Decade" comes along about once a week.

Most helpful customer reviews

18 of 18 people found the following review helpful.
A great resource to add to your REI collection.
By Juliana Blackett
I personally really liked this book. I refer to it when I want ideas for improving on a property that I'm looking at. I also trust Dolf de Roos because he was one of the first Rich Dad Advisors with Robert Kiyosaki. To me, that says a lot in establishing his credibility, because Kiyosaki's books are excellent.

I find it interesting one of the reviewers below hates Dolf de Roos so much, yet has taken the time to read all his books and attend his seminars. ... if I read one book or attended a seminar by a particular author and didn't like it, I certainly wouldn't go out and buy all of their works.

Anyway, I would say this book is not a comprehensive guide to real estate investing. It is more of a book with some simple tips you can use to improve the value of your property. I view it as a good companion to other books I already have.

If you're looking for a course on Real Estate Investing, this is not it! If you're looking for tips on how to improve your cashflow or build equity, then this is a good resource.

17 of 18 people found the following review helpful.
Buy this book...then go buy some paint!
By CyberMan
To the reviewer who said he would spend the money on paint instead, I say first buy this book and actually read it, then go out and buy some paint, but first, you will have to buy some rental properties.

Isn't it funny how people who are not in this business bash authors like Dolf de Roos? I also get a kick out of the reviewer who says he hates Dolf de Roos, but buys all of his books and goes to all of his seminars! C'mon! If I bought a book by someone I didn't like, I'd be a darn fool to buy another one. Who are you trying to kid?

This book is all about making property improvements with minimal expenditures. You will find ways you never thought of before. I know I did.

Worth a read. For slightly more than the cost of a movie, you can get information that can make you a fortune and you can refer to it over and over and over again.

Thanks Dolf. Great book.

12 of 13 people found the following review helpful.
Good and at times rather funny.
By Vilhelm P. Bernhoft
There is not much in this book that was surpricing. Most of the ideas you can think of are in here and then some.

I have been in RE investments for 2 years and I really liked every single one of the ideas in this book. There are ideas in this book that have made me thousands of dollars.

For less then $20 that is a great return on investment.

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The Answer Guide is the companion to "Turn on The Human Calculator in You" (sold separately). As the answers to the workbook, this guide is colored in to show you how to complete all the exercises in each chapter.

• Sales Rank: #1178153 in Books
• Published on: 2012-12-21
• Original language: English
• Number of items: 1
• Dimensions: 11.00" h x .15" w x 8.50" l, .37 pounds
• Binding: Paperback
• 60 pages

About the Author
Scott Flansburg is the author of the bestselling book Math Magic. His lectures and his video, Turn on the Human Calculator in You, have helped countless children and adults learn the power of math. He lives in Phoenix, Arizona.

Most helpful customer reviews

0 of 0 people found the following review helpful.
Lacks Explanations, Depends on Intuition
By Artie
Liked the presentation on Youtube...teacher guide not necessary as it offers no explanation. I got the books to support numeracy with my autistic son. I had to research the terms digit sums and others to figure out what the books were trying to convery. I understand he has curriculum he is using in Nevada so perhaps this is a part of his instructional platform. I will complete the book regardless as I am invested in not one but two.

0 of 3 people found the following review helpful.
Turn on The Human Calculator In You Answer Guide Book
By Jamie Gilley
My child is experiencing some difficulty in math class. I purchased in hopes that it will assist me in assisting him & make math a little easier. I was quite disappointed when ordering that I had to purchase the answer guide separate to the book. It should come as a set or in one whole book, but it should not be sold separately in my opinion. I bought anyway since I really wanted to help with my child's math struggles. We cannot wait to begin using immediately!!

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