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I have just finished reading “Your Money or Your Life” by Joe Dominguez and Vicki Robin. The main idea of the book is to change your way of thinking about money in order to find more fulfillment in your life. Take the example blowing 50 pounds at the casino. After reading the book you should not only think about the 50 pounds you have wasted but also think about the 10-15 hours you have worked to make that 50 pounds in the first place. Time and Money down the drain.

The part of the book I found most inspiring though was the notion of finding your “Crossover Point”. The Crossover Point is basically the month when your income from investments (or I assume Passive income streams) is enough to cover your expenses.

By following the rules of the book you will start a wall chart which shows your monthly total income, your monthly outgoings and your monthly investment income. Now as the months progress your monthly outgoings will initially drop (as you become more frugal) and then level out as the number of savings opportunities fall. Your monthly investment income however will continue to increase as compound interest kicks in. By extrapolating the two lines acrss the wall chart, you will eventually reach the stage where the investment income line passes through the expenditure line. That point is the Crossover point and is described in the book as “the pot of gold at the end of the wall chart”. This concept of building residual income whilst lowering costs is the mainstay of all good financial titles. The ethos is also echoed in another book I am currently re-reading, “The Four Hour Work Week” by Timothy Ferriss.

Please take a second to work out how far off your Crossover Point is. You may find that it is decades (or even centuries) off. if this is the case then now is the best time to start the two pronged attack. Slash your expenses and start putting 10% into investments, or else your Crossover Point may also coincide with your last breath!

The novel, Conception, is ruthlessly original in the way it handles the subject of teenage pregnancy. Although the plot basically concentrates on the story of young African-American girl deceived by her circumstances and her next-door neighbor’s husband, it also gives voice to the unborn spirit of the child she is carrying.

Fifteen year-old Shivana Montgomery tries to find some answer to her loneliness in the arms of a man, Leroy, who is the husband of the woman next door she baby sits for. Leroy is a selfish drug-dealer who has no respect for other people. After several months of unsatisfactory sex with Leroy, Shivana becomes pregnant. Shivana’s unborn child’s spirit tells about its other experiences and attempts to be born; thus, in doing so, the author, through the spirit’s voice, entertains and informs the reader with stories within the main story. In all its conceptions by the slave girl Yoshi, Darlene, and Tawana, the spirit of the baby complains of the rejection of its right to be born; therefore, it wants Shivana to love and accept it. Shivana, on the other hand, wants to get rid of her baby, but does not have the money for aborting it.

Shivana’s home life with her single mother is a disaster. Her aunt Jewel tries to help her, although she is involved with her boyfriend and with making a better life for herself. An upstairs neighbor, Rasul, takes interest in Shivana and tries to convince her to keep the baby. Rasul, too, is a lonely black boy, who is taken care of by his uncle’s family. Rasul is studying to finish high school and go to college.

Just when Shivana finds the money necessary to get rid of her problem, the baby’s spirit wins, and Shivana goes to a home for unwed mothers. The ending of the story is an unexpected shock for the reader. Some readers might feel that the writer wanted a quick ending and came up with a blow by the hand of fate instead of making the story end with the evolution of the main characters. Whatever this ending may suggest, this story and the stories within it are brilliantly told, and the baby spirit’s voice is poignant and heartrending.

The mastery in Buckhanon’s language is in its vivid and gripping imagery that fits the situation it describes. It is rough when the situation is rough; it is deeply moving when it needs to be.

Conception is published by St. Martin’s Press in hardcover with 288 pages with ISBN-10: 031233270X and ISBN-13: 978-0312332709.

The author of the book, Kalisha Buckhanon, was born in 1977. She has been writing since the age of six. She graduated magna cum laude from and was elected into Phi Beta Kappa at the University of Chicago. She also completed her Master’s Degree in English Language and Literature at the University of Chicago. Her first novel Upstate won the Alex Award and the Audie Award, among other acclaim and nominations. Her articles, stories, and essays have appeared in many literary publications.

In Conception, a young girl begins to learn to respect herself, but the novel also touches the age old themes of survival in a cruel world, giving proof to the idea that fiction is more precise with the truth in it than truth itself. This novel is important in the sense that it seems to be a debate on what life truly is. Then, it also serves as an observation of the treacherous life in the ghetto and what African-American women still endure in our day. In short, this is a book that an avid reader would not want to miss.

- This recipe cookbook gives you plenty of recipes for you to choose from. With over 700 very thoroughly explained recipes that are easy to make, you will be enjoying cooking for far less money and save a lot of your time. It is great for preparing magnificent dishes for a parties, gatherings etc. Also you don’t have to have any over the top cooking knowledge and skills. You will be able to prepare a meal in a matter of minutes. The cookbook’s author Ron Douglas has perfectly explained every single step of preparing the meal. His style of writing is humorous so you will have fun cooking.

- The average American family eats out 3 to 4 time a week. If you compare the long waiting lines at the restaurants or fast food franchises with you, by yourself in your kitchen, you will feel more relaxed and actually enjoy while you preparing your favorite restaurant dish.

- It is a money saver. By staying at your home preparing it yourself you will save money that you usually give away for gas.

- With this book you additionally get 7 more cookbooks for free. A Secret Sauces book, Good Ole Comfort Foods, Grilling book, Kids dishes book, Special occasion recipes book, and a book with recipes for diabetic people.

All in one, this makes a great bargain, its reviews are phenomenal and it is offered by a very affordable price.
It gives you the opportunity the be the home chef that everybody loves. At the end of the day you will have your dish made, your money saved and the pleasure of doing both things guaranteed. No wonder it’s the best selling cookbook.

Secrets of the Millionaire Mind is one of the most persuasive and powerful book by T. Harv Eker. In this book, the author share the secrets to become wealthy, change the way you look at money and allowed you to identify your own money model.

The most important part in this book is “The Wealth Files”, which the author outline seventeen ways rich people think and act differently from poor and middle-class people. The seventeen ways are written based on his own experience and through the observation of rich people around him.

Personally, I like rules number 14 and number 15 in this book. Rules number 14 says: “Rich people manage their money well. Poor people mismanage their money well”. It is not the matter of earning $20,000 per annum or $200,000 per annum, there are many people who earn more than $200,000 annually go bankrupt because they are not a good money manager.

Rules number 15 stated “Rich people have their money work hard for them. Poor people work hard for their money.” No doubt, working hard to earn money is very important. People who achieved financial success have learned “money working for you” concept. Example include, involve in business to generate more income, investment in real estate, stocks, mutual funds and others asset that appreciate in value.

After you have learned seventeen ways rich people do differently compared to poor and middle-class people. There are some recommended action exercises, so that you can put material you’ve learned into practice.

If you are looking to increase financial wealth or move to a new level of success, this is definitely the book you must read.

“Working From Home” is targeted at the work from home market.

Fact is, the work from home market is way BIGGER than the traditional “Internet Marketing” market and this will allow you to broaden your scope and sales.

“Working From Home” launches the report of 3 Quick And Easy Ways To Make Money From Home… On The Internet! It shows three different models of work from your home business.This secret report will reveal to you 3 proven methods to set up your own home-based internet business.

In every model, the report gives step-by-step how to do what in detailed manners. These are quick and easy models of work from your home. It’s not difficult to make real money online, all you have to do is find a good program, FOCUS, stick to it and advertise it regularly. That’s it – the “secrets” you’ve been searching for.

The program that will help you is Working From Home”…

Not only does it show you how to make money on the internet, it also provides you with your own ready-made, built-in “business-in-a-box” opportunity because:

You don’t need to create your own website…

You don’t need to create your own products…

You don’t need to write your own sales copy…

You don’t need to do any customer service…

All you need is sign up as an affiliate partner for Working From Home” “Instant Income System” and promote your affiliate link for massive 70% commissions!

That’s it. As easy as A-B-C. Here’s the thing:

The report is suitable for beginner and intermediate marketers, and for those who haven