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Noel

Zurich, N/A, Switzerland

29
HELPFUL VOTES
  • 1 reviews
  • 1 ratings
  • 14 titles in library
  • 0 purchased in 2015
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  • The Total Money Makeover: A Proven Plan for Financial Fitness

    • ABRIDGED (3 hrs and 41 mins)
    • By Dave Ramsey
    • Narrated By Dave Ramsey
    Overall
    (3755)
    Performance
    (1980)
    Story
    (1964)

    Okay, folks, do you want to turn those fat and flabby expenses into a well-toned budget? Do you want to transform your sad and skinny little bank account into a bulked-up cash machine? Then get with the program, people. There's one sure way to whip your finances into shape, and that's with The Total Money Makeover. It's the simplest, most straight-forward game plan for completely making over your money habits. And it's based on results, not pie-in-the-sky fantasies.

    Alexandra says: "This guy makes sense"
    "12% Mutual Funds?"
    Overall

    Mr. Ramsey makes quite a bold statement when he says you should invest in a 12% "Growth Stock" Mutual Fund rather then take the 7% Prepay option (when it comes to financing college). He fails to inform the listener about 2 threats to your investment. In first line, a Mutual Fund comes with a range of various expenses that will dramatically impact your real rate of return, referred to as the Expense Ratio. Second, there is absolutely no guaruantee that you will receive 12% in any given year, not to mention, 4 years in a row (average college duration)! If you are already stuggling financially, pick the guaranteed 7% saved by paying for college in advance.

    Overall the audible is decent; focuses on the -mentality- of money management but lacks the -technical/factual information- needed for effective longer term plans.

    29 of 39 people found this review helpful

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