Nacho Money Volume 4 by Candi Sparks

I have 4 children, so this was a fun book to read and review for all of us!
Our 2 middle children, ages, 5 and 8 (almost 9), are both excited about having money, having the freedom to buy things, and they love being at an age to receive an allowance. Although they may not always receive an allowance lol.
this book is about, Max, a 10 year old who is starting to understand the concept of money and borrowing and paying back. It all starts with a video game disc he borrowed from a friend, Emma, that he said he would borrow for just a week... and it ended up being a month. So, she asks for it back one morning at school, and that's when the whole day went crazy!
His teacher gave him a bill for library books, rather then his report card, again, something he borrowed and didn't return on time..then he has a $10 from his big brother in his pocket and decides to use that for some pizza with his friends.
This is such a common issue with kids, and the only way for them to learn about money and borrowing and returning, is to learn from mistakes, (ok, and well maybe a little help from mom;) Believe me, we have made mistakes in the past with our kids, bailing them out way to many times, but there has to be a line somewhere where you just kind of let them figure it out on their own. Not only does this build character and independence, but you are allowing them to grow and learn some of the most important aspects of life. This is something they will be thanking you for, for years to come!
When I was in grade school, we didn't learn much about money, other then coins and of course the math part. We never really learned about how much things cost compared to how much you have, (assets, and liabilities) I thought the clever way this story was written, and the cool little character, Max, (who is pretty much like other kids his age), is an excellent resource for teachers, parents, and anybody who has a kid in their lives. This is a valuable lesson, and not just about money either!
Max also learns about how it feels when you don't return something on time, (Emma's game), and the library books. (which cause him to not get the game station he wanted so badly!) He also gets an earful from his big brother, who really was counting on his money (the ten that Max figured he could borrow for pizza), and then mom helps explain what went wrong and offered a super good solution! But,just like other kids, Max kind of didn't do his 2 weeks of free chores to pay his mom back for the loan, and he ended up having to do a little bit more then what he had to do. If only Max, would have done his chores in the first place, but instead he decided to hang out with his brother. (sound familiar??)
We read this story a few times over, I am going to be looking into more of these very valuable lessons from this author, and I believe we are going to grab copies of each! This was so clearly written, and I know my children understood! (Well, at least for the days that we read the book! We have to have some of this author's books on the shelves, just for reminding them again and again. They certainly remember Max though, and the hilarious joke, cheesy joke, that made the title of this book so funny!! (Especially our almost 9 year old, he loves jokes, especially the cheesy ones!!)

You can buy this book from Amazon! (Either click above, or you can buy from our book store!)
You can check out the author's site here!!

Visit Candi Sparks on Facebook!
Candi is a mom and an author, and holds many financial certifications, you can read about her amazing career, and how she got the idea to empower others, here!
Follow her on Twitter!
Check her out on Youtube!!
and on Pinterest;p

** We received a copy of this book in return for our honest review **

Go Broke, Die Rich Poetry for the Entrepreneur by William Manchee

I have to start this review out by sharing one of the best parts of this book!! It will help so much just with personal finances, and it is just common sense and some simple math, but yet so many don't get it.
Taken from Go broke, Die Rich:
"Let's say you're a middle class family with annual income of $40,000 a year. If you work 40 years, you will earn 1.6 million dollars. If you're a typical family, you'll buy a $150,000 home, a car every six or seven years and have a half a dozen credit cards maxed out very early in the game.
Now the enemy here is compound interest. It's common knowledge you will pay nearly triple the amount financed over 30 years. For instance, you'll pay $415,213 over 30 years for that $150,000 home at 8.5%. The cars will cost at least 25% more then their initial cost, and you'll be paying the minimums on your credit cards until you're dead and buried. Now if you subtract 25% of your income for taxes, that leaves you with $1,200,000. Subtract $415,000 for what you will actually pay for your home, including all of the interest, and now you only have $750,000. By the time you take away $200,000 for your automobiles you only have $585,000 left to live on for 40 years!
This is less than $15,000 a year for food, clothing, utilities, insurance, gasoline, home and auto maintenance, medical expenses, recreation, entertainment, education, vacations and retirement......"
WOW! When you put it that way, it is insane that this is what the majority of us are lining on!


William Manchee is an incredibly entertaining writer, and he will keep you interested, laughing, second guessing yourself, your ideas, your plans, and offers some of the best advice for anybody who has a business, or plans to start one.
My husband and I own our own tractor trailer, so we do say this is our business. We do our schedule C each year, get a 1099 from the company he is leased onto, and well, unfortunately, pay our own repairs, tolls, fuel, etc. Even if we have just 1 employee, (my husband), this book provided some very excellent advice and suggestions for our long term and short term goals! It also has a lot of important information for me and our small online business.
It doesn't much matter what business, how big or small, this is a guide that should be considered a required read for every entrepreneur.
It certainly isn't boring by any means, the author will keep you cracking up at parts, with his witty poetry, and you will be sure to relate to some of the poetry and some of the personal stories about the author, or his clients.
He starts out with a bit about his life, his education, mistakes, and his family, and goes into honest detail about what happened to his family, how they made choices, and so on.
He also touches on just about everything, in great detail about specific business failures, very common mistakes, and explains how to not make those mistakes yourself.
William Manchee has been advising small business entrepreneurs for over 30 years, so who better to offer tips and ideas on how to succeed in today's economy?
From problems with taxes, to lawsuits to employee theft, to legal issues, to starting over to bankruptcy, everything you need to know and understand is in this book. I guarantee you'll learn something from it, it doesn't matter how many years you have experience with your small business, and I am positive you will gain some very important knowledge that could possibly save your family and business.
I know the price for an attorney and adviser is pretty steep, but when you think about how much it would save you and your family in the long run, it is in your best interest to have one. That being said, I also believe that this book offers more then your money's worth, and you will almost feel guilty for only paying a little over $10 for such a valuable book!
I would of course, recommend this book to anybody who aspires to make it big, succeed, own a small to maybe not so small business, and anybody who already owns a small business. You'll find something in here that will be sure to help you, along with quite a few laughs.
Don't feel threatened by the author's experience and education, he has written this book in very easy to understand language, charming, and all very common and real problems and dilemmas that don't have to destroy everything you worked so hard for. It may even save your marriage or household finances!
Have you ever read this book? Did you learn anything from this?? I would love to read any comments from you!!


**I received a copy of this book in return for my honest review**

The True Nature of Tarot by Diane Wing

I always had a set of Tarot cards, ever since I was maybe 13 years old. Maybe I couldn't read them to good, but I sure did try:) I read what all the cards meant, what they stood for, bought books at the mall bookstore about them, (we didn't have internet and things available back then:)and apparently made the mistake of taking them to school one day. My English teacher saw them, and threw a fit, branding me a "witch", and it went downhill from there. (In her class at least)
I always had a serious problem with people who would label, chastise, and publicly humiliate others, just because they have no idea what they are talking about. I thought maybe I would take it upon myself to open up her eyes by doing a book report on a book about Tarot, well, that didn't go over to well.
Fast forward to present day, I've been a mom, and a bartender now for 20 years, more recently became a "blogger" and I still have many interests, some of which of course may not be considered "normal", even though to me, they are. (I also have an issue with the word "normal", at least when discussing a person, personality, behavior, etc.) But, what is different then when I was young, is people tend to be a little more open about things, maybe they learned from books, the interent, friends, movies, not real sure. But, not everybody is as "scared" as they once were about the unknown anymore.
I was more then thrilled to receive, The True Nature of Tarot, by Diane Wing, M.A, to review. I immediately went upstairs and grabbed my deck of Rider Waite Tarot cards, and started a refresher course until Diane's book arrived. Of course the kiddos were asking questions, mainly, "OOOHHH!! Can we play??", so it was fun to explain what the cards were for, and the conversation led to a chance to get a mini lecture in about karma, treating others how you would like to be treated, and so on. So, that was fun!
As soon as i received her book, I paged through it, and noticed her website on the back. www.ForestWitch.com, which is a very fascinating website and you will get lost there, somewhere!! The graphics and design are stunning and there is so much information, you will have hours of searching, reading, and information to get through!!
Ok, so back to The True Nature of Tarot, I have had quite a few books about Tarot in the past, and some were easier to understand then others, but this is the book I wish I would have had years ago when I first started having an interest!! Diane, explains everything so well, in plain old English, everything you need to know!
My favorite part of her book, is the section where she has pictures of each card, and details each one in very easy to comprehend language!!
Other key sections in this book include, become an expert at grounding and centering to maximize your energetic stability on a daily basis, learn how to develop your own style of reading tarot, how to choose your deck, learn how a reading is experienced from the perspectives of both the reader, and the inquirer, and how to discover ways to increase the amount of information pulled from the tarot.
This is the perfect choice if you are interested in learning, or have been studying, or even if you have been doing readings for some time. She has a few chapters about ethics, the truth about Tarot, grounding techniques, and several layouts. You really won't have to buy another book!!

Diane Wing, has over 25 years experience as a Tarot reader, among other things. She is an extraordinary person, with much to offer!
You can read more about her here, you can also sign up with her community, and access lots of interesting articles for your growth!
You can also find Diane on Twitter!!
and if you are interested in purchasing her book, you can buy it here...


I would love to read any comments you may have!! Have you ever been interested in Tarot cards?
Have you ever read this book?



**I received a copy of this book in return for my honest review**