Road Rules for Retirement: Set Your Destination Enjoy The Journey by Mark Fried

If you are just getting started thinking about retirement, Road Rules for Retirement by Mark Fried is a good place to start.

In this book, you will learn what you need to know to ask good questions from your wealth advisor.

Fried is not going to tell you how to pick the next hot stock.  That could get you into trouble.  What he will do is show you the necessary path to retirement planning.

We really like the analogy about risk and how we are more willing to take risks under certain conditions.  This is probably one of the best descriptions of why we take on the risks we do, when we do it, than we have ever read.

Fried speaks about planning for long term care. Since this review is being written from a Long Term Acute Care Hospital (L-TACH), we can understand how important the knowledge given on that particular subject can be. Get Road Rules for Retirement and pay attention to the section on long term care insurance.  It is not a matter of if you will need it, but when.  I am only 55.

Five Star Review

We rate Road Rules for Retirement all five stars.  It is easy to read and understand.  The examples given make sense and it is well-written by someone who has years of experience. 

In addition to Road Rules for Retirement, we recommend Master Your Cash Flow: The Key To Grow And Retain Wealth by Albert J. Zdenek Jr CPA/PFS. With these two books, you should have everything you need to open a dialog with your wealth advisor and plan your retirement journey.

We were sent a complimentary copy of this book.  We are under no obligation to write any review, positive or negative.

We are disclosing this in accordance with the Federal Trade Commission's 16 CFR, Part 255.
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Please Visit My Child Bride Suzanne's Blog

I respond to all approved comments on this blog, ideally within 24 hours.  Please check back here for a response to your comment.  Thank you!

Please be advised that all the information in this course is provided to educate, enlighten, and broaden your views in life.  The information provided is not a substitute for medical, legal, dietary, financial/accounting, or religious professionals.   Always consult a professional before you act on any of the information you find in this course. 

Do you have a frugal recipe?  Please e-mail it to me.
Help us reach 1,000 YouTube subscribers. Please watch some of our videos. If you like them, please subscribe. Also, please share our YouTube information with your friends.  We thank you so much for all your help. 

Disclaimer: The opinions or advice listed in this blog or website should be used as a place to start only. It is not a substitute for the use of a professional.

 Please be sure to consult your attorney, accountant, and/or other professionals with any specific questions. There is no one right answer to any business question that will cover all circumstances.

Notice: This post may  contain affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction. Thank you for your support!

This Side of the Whirlwind: The Coming Apocalypse by Steven R. Harrel

We are very strong Christians, but somewhat confused by end of times prophecy.  Therefore, we cannot discuss how Biblically accurate Steven R. Harrel may or may not be in This Side of The Whirlwind.

This book is well-written and certainly well-researched.  Harrel makes some good points in the book that are worth considering.

Whereas we cannot be very helpful in terms of debating the concepts Harrel introduces, we can state that he shows where his references come from and he does a good job explaining why he believes the way he does.

Five Star Review

We give this Side of The Whirlwind all five stars.  It is educational.  We think one would learn a lot from this book and it may give any Christian plenty of material to ponder. 

This is not a fast read.  It should be read slowly, with several translations of the Bible close at hand. 

We were sent a complimentary copy of this book.  We are under no obligation to write any review, positive or negative.

We are disclosing this in accordance with the Federal Trade Commission's 16 CFR, Part 255.

If you would like for me to pray for you, please drop me an e-mail by clicking prayer.



Please Visit My Child Bride Suzanne's Blog

I respond to all approved comments on this blog, ideally within 24 hours.  Please check back here for a response to your comment.  Thank you!

Please be advised that all the information in this course is provided to educate, enlighten, and broaden your views in life.  The information provided is not a substitute for medical, legal, dietary, financial/accounting, or religious professionals.   Always consult a professional before you act on any of the information you find in this course. 

Do you have a frugal recipe?  Please e-mail it to me.
Help us reach 1,000 YouTube subscribers. Please watch some of our videos. If you like them, please subscribe. Also, please share our YouTube information with your friends.  We thank you so much for all your help. 

Disclaimer: The opinions or advice listed in this blog or website should be used as a place to start only. It is not a substitute for the use of a professional.

 Please be sure to consult your attorney, accountant, and/or other professionals with any specific questions. There is no one right answer to any business question that will cover all circumstances.

Notice: This post may  contain affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction. Thank you for your support!

NIV, Beautiful Word Coloring Bible, Large Print, Cloth over Board,

What is not to love about the NIV, Beautiful Word Coloring Bible?  This is a great Bible for those people who like to jot notes in their Bible.  The margins on most pages are very wide. Many have lines specifically for writing notes and other thoughts.

One really great thing about this Bible is that you can really experience the Bible by coloring in it.  There are pages with line drawings designed for coloring.  This helps the Christian to spend more time with their Coloring Bible.

This particular edition will lay flat on the desk.  It comes with a book mark ribbon.  There are also a good many explanations of Bible terms throughout this Bible.

The print is clear and crisp and would make a great gift for anyone who has a little trouble seeing normal print.  

We were sent a complimentary copy of this book.  We are under no obligation to write any review, positive or negative.

We are disclosing this in accordance with the Federal Trade Commission's 16 CFR, Part 255.

If you would like for me to pray for you, please drop me an e-mail by clicking prayer.



Please Visit My Child Bride Suzanne's Blog

I respond to all approved comments on this blog, ideally within 24 hours.  Please check back here for a response to your comment.  Thank you!

Please be advised that all the information in this course is provided to educate, enlighten, and broaden your views in life.  The information provided is not a substitute for medical, legal, dietary, financial/accounting, or religious professionals.   Always consult a professional before you act on any of the information you find in this course. 

Do you have a frugal recipe?  Please e-mail it to me.
Help us reach 1,000 YouTube subscribers. Please watch some of our videos. If you like them, please subscribe. Also, please share our YouTube information with your friends.  We thank you so much for all your help. 

Disclaimer: The opinions or advice listed in this blog or website should be used as a place to start only. It is not a substitute for the use of a professional.

 Please be sure to consult your attorney, accountant, and/or other professionals with any specific questions. There is no one right answer to any business question that will cover all circumstances.

Notice: This post may  contain affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction. Thank you for your support!

The Jesus Bible, NIV Edition, Imitation Leather,

If you are looking for a Bible that will help you see where Jesus is mentioned throughout the Bible, The Jesus Bible is for you.

If you have been to any kind of Christian youth sermon in recent years, chances are good that you have heard of Louie Giglio.  He is the main editor of The Jesus Bible and has written the introduction and an article or two.

This imitation leather Bible makes one think, “Wow, that feels good” when they first touch it.  You can feel the quality.

There are all sorts of sidebar articles that help one to better understand what they are reading.  If you have anyone on your Christmas list who is a new Christian, this Bible will probably help them find the answers they are seeking.

We were sent a complimentary copy of this book.  We are under no obligation to write any review, positive or negative.

We are disclosing this in accordance with the Federal Trade Commission's 16 CFR, Part 255.

If you would like for me to pray for you, please drop me an e-mail by clicking prayer.



Please Visit My Child Bride Suzanne's Blog

I respond to all approved comments on this blog, ideally within 24 hours.  Please check back here for a response to your comment.  Thank you!

Please be advised that all the information in this course is provided to educate, enlighten, and broaden your views in life.  The information provided is not a substitute for medical, legal, dietary, financial/accounting, or religious professionals.   Always consult a professional before you act on any of the information you find in this course. 

Do you have a frugal recipe?  Please e-mail it to me.
Help us reach 1,000 YouTube subscribers. Please watch some of our videos. If you like them, please subscribe. Also, please share our YouTube information with your friends.  We thank you so much for all your help. 

Disclaimer: The opinions or advice listed in this blog or website should be used as a place to start only. It is not a substitute for the use of a professional.

 Please be sure to consult your attorney, accountant, and/or other professionals with any specific questions. There is no one right answer to any business question that will cover all circumstances.

Notice: This post may  contain affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction. Thank you for your support!

Jesus Take the Wheel

Recently, Suzanne played the song Jesus, Take the Wheel.  The story of this song is that the woman is overwhelmed by the events going on.  The most recent event is that she hits a sheet of black ice, way too fast.  As she is sliding around, she throws up her hands and turns it over to Jesus saying, “Jesus, take the wheel.”

We feel very much like that right now.  Current health conditions are keeping us away from our computers.  This means we cannot blog like we usually do.  Of course, this means our audience won’t be getting posts as often as they are used to.

Suzanne is suffering certain medical conditions that drag her down.  However, she is still waiting on me hand and foot since I am supposed to spend most of my time flat on my back with my feet propped up.

If we had a laptop computer, I could still post.  I could not make the YouTube videos from flat on my back, but I could still make the posts.  

In the meantime, my day is filled with reading and making hats on the round loom.

We are asking Jesus to take control of this situation, and He has.  We see a small check here and a rebate there that is helping to keep us going financially.

Just know that we want to be back online soon.  We will be posting sort of sporadically until at least the 6th of January.  We are praying this foot will heal sooner.  

Please keep us in your prayers.

If you would like for me to pray for you, please drop me an e-mail by clicking prayer.



Please Visit My Child Bride Suzanne's Blog

I respond to all approved comments on this blog, ideally within 24 hours.  Please check back here for a response to your comment.  Thank you!

Please be advised that all the information in this course is provided to educate, enlighten, and broaden your views in life.  The information provided is not a substitute for medical, legal, dietary, financial/accounting, or religious professionals.   Always consult a professional before you act on any of the information you find in this course. 

Do you have a frugal recipe?  Please e-mail it to me.
Help us reach 1,000 YouTube subscribers. Please watch some of our videos. If you like them, please subscribe. Also, please share our YouTube information with your friends.  We thank you so much for all your help. 

Disclaimer: The opinions or advice listed in this blog or website should be used as a place to start only. It is not a substitute for the use of a professional.

 Please be sure to consult your attorney, accountant, and/or other professionals with any specific questions. There is no one right answer to any business question that will cover all circumstances.

Notice: This post may  contain affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction. Thank you for your support!

Do the Math

We are going to start out this post with a shout out to our friend, Al Zdenek.  Al is a best-selling author and wealth advisor.  Learn a little more about him at the bottom of this post.

Forbes has recently re-released Zdenek’s best-selling book, Master Your Cash Flow: The Key To Grow And Retain Wealth. We would like to share with all of our How To Manage Your Monkey audience what a great financial advisor can do for you.

There are many things that Al advises that not only work for the super wealthy, they also work for us down here on the beans and rice level of society.

One of those things is for us all to “Do the Math”.  Whenever you are faced with an economic decision, it is important that you know how it will affect you.

It is just as important to know how that rent-to-own television will affect your ability to buy the Gi-Joe with the Kung Fu Grip for your kid’s Christmas as it is to know how buying that luxury auto will affect your retirement years.

You may be at the level where you contemplate putting off buying a Pumpkin Spice Latte (never had one) so that you can invest more in your retirement, or you may be at the level where a $1 large cup of coffee means your kids go without lunch money for a day.  Either way, it is important to understand that you should do the math before making any financial decision.

We here at How to Manage Your Monkey are sometimes asked, “Should I put my money in a Traditional IRA or a Roth IRA?  The best answer we can give you is, “It depends.”  Another answer would be to “Do the Math.” We do not yet know what Al would advise in this situation.

No one knows what the tax laws will be like in the future.  Therefore, some financial writers we have read, and there have been many, say “Both”.  It really boils down to where you are right now financially-speaking versus where you believe you will be when you start to draw the money out.

If you are like us, well below the poverty line, taking the tax bite right now would be a good idea.  We know that one day we will be one of the super wealthy that Al advises.  

But, if you are making a very good income right now, and you believe that you will be in a lower tax-bracket in your retirement years, then it might be wise to defer the taxes.  

This brings up another one of the very wise bits of advice that Zdenek gives his readers in his first book. Consult a trained, licensed professional.  When you are dealing with your financial future, it is always wise to let someone who knows what they are doing look over your financial plans and advise you.

Whether you are the kind of person who knows the differences in wine vintages or you are like many of our friends that know the difference between red label and blue label Thunderbird, it is always important to have a good, solid financial plan based on the best financial advice available.

Al has a new book coming out in March of 2018.  Even though Manian Debil Productions is a Top Reviewer on Amazon, we do not yet know if we will be one of the lucky ones chosen to review the book.  

Even if you have to roll the change under your couch cushion to buy Master Your Cash Flow: The Key To Grow And Retain Wealth, you should add it to your financial library.  It will make a great Christmas gift for those on your list who are serious about their retirement years.

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About Al Zdenek

Al Zdenek (www.AlZdenek.com) – author, speaker and

Al Zdenek

wealth advisor – is the President, CEO and founder (1982) of Traust Sollus Wealth Management, a boutique wealth management firm dedicated to empowering people to live the life they wish now and in the future by consistently making the best financial decisions.

His bestselling book, Master Your Cash Flow (Forbes Books) shows readers how to avoid making poor and disastrous financial decisions, finding additional cash flow from every-day decisions that, if saved, will build wealth sooner.

Zdenek has been contracted by ForbesBooks to continue writing the Master Your Cash Flow series, with a new book entitled Master Your Cash Flow: The Key to Build a Valuable Business, to be released in March 2018.  The upcoming book will be for entrepreneurs, business owners, CEOs and anyone who wishes to run a successful business.  

If you would like for me to pray for you, please drop me an e-mail by clicking prayer.



Please Visit My Child Bride Suzanne's Blog

I respond to all approved comments on this blog, ideally within 24 hours.  Please check back here for a response to your comment.  Thank you!

Please be advised that all the information in this course is provided to educate, enlighten, and broaden your views in life.  The information provided is not a substitute for medical, legal, dietary, financial/accounting, or religious professionals.   Always consult a professional before you act on any of the information you find in this course. 

Do you have a frugal recipe?  Please e-mail it to me.
Help us reach 1,000 YouTube subscribers. Please watch some of our videos. If you like them, please subscribe. Also, please share our YouTube information with your friends.  We thank you so much for all your help. 

Disclaimer: The opinions or advice listed in this blog or website should be used as a place to start only. It is not a substitute for the use of a professional.

 Please be sure to consult your attorney, accountant, and/or other professionals with any specific questions. There is no one right answer to any business question that will cover all circumstances.

Notice: This post may  contain affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction. Thank you for your support!