Here's information from the publishers.
|Personal Money Management Text|
Enjoy Your Money! How to Make It, Save It, Invest It and Give It, by J. Steve Miller (May, 2009, Wisdom Creek Press, 254 pp., includes index, documentation, discounts for bulk purchases, chapter reviews, thought questions, assignments, free web-based teacher resources, recommended further reading. Retail price: $15.99, but discounted for multi-volume purchases or for review copies.)
High school principal Dr. Phillip Page (North Cobb High School, Cobb County School System) reported, "Teachers of financial management and life skills will be thrilled to discover this book! Miller uses people stories to breathe life into financial concepts, making lessons both memorable and enjoyable. As an educator, I was impressed that the book:
Robert Martin, Lecturer of Accounting in the prestigious Coles College of Business (one of Princeton Review's best business schools) -- "A fast, fun read with practical and often remarkable insights. Should be required reading for every high school senior and every young adult who has landed his or her first full-time job. I'm incorporating parts of the book into my lectures."
Dr. Dwight "Ike" Reighard, Executive Vice President and Chief People Officer of HomeBanc -- "Had I read this book in my 20’s, I’d be financially independent today. It’s a remarkable blend of fabulous research with clear and lively writing. You’d pay an expert quite a sum for this caliber of counsel. That’s why I say that the best investment you make this year just might be this book. Your second best investment will be the copies you buy for your children."
Larry Winter, of Winter & Scoggins, CPA's -- "As a practicing CPA and financial counselor for the past 35 years, I've read scores of books and periodicals on personal finance. Just when you think you've heard it all, something like this comes along. It's rare and refreshing to find a book so enjoyable, so accurate, and so life changing. I’m purchasing 200 copies to give away to graduating seniors."
Financial columnist Cliff Pletschet of the Oakland (California) Tribune -- "Whether you are a beginner or advanced investor, do yourself a favor and absorb Miller's advice, filtered engagingly through rapport between a skillful mentor and her inquisitive followers."
J. Steve Miller - educator, investor, entrepreneur, and speaker - has taught audiences from Atlanta to Moscow. He’s known for drawing practical wisdom from serious research and communicating it in accessible, unforgettable ways. In researching and field testing this book, he not only drew from respected books in the field of finance, but received input from business leaders, educational leaders, professors, students, CPA's, financial advisors and parents.
Steve is the founder and president of Legacy Educational Resources, providing global resources for teachers of life skills in public schools and service organizations at www.character-education.info. A self-styled "wisdom broker," Steve collects wisdom from many fields and packages it for teachers and writers via his published books and the Web. His wife, Cherie, and their seven sons continually remind him what works and what doesn’t. Connect with him at www.jstevemiller.com.
Q: Steve, what motivated you to write this book?
A: First, people are hurting with their finances. Even before the current recession, surveys found that:
Second, to get more personal, Cherie and I are raising seven boys, from 14-year-old twins to a 27-year-old. I don't want them to live their lives experiencing the misery of financial bondage. This book sums up what we're trying to teach them about finding financial freedom.
Q: Bookstores offer shelves of books on personal money management. Why write another one?
A: Some of those books are really good. I read wheelbarrows' full of them in my research and recommend many of them throughout my book and Web-based resources (www.enjoyyourmoney.org). But I thought a different approach was in order, something that could help people totally rethink the way our culture has taught them to manage their money. So I wrote a book with these distinctives:
Q: The story line reminds me of the movie The Breakfast Club, where high school students from different parts of the school culture broke through the stereotypes to find that they weren't so different after all.
A: Great observation! That movie was a part of my inspiration. So I've got this white cheerleader, an Afro-American muscle car enthusiast, a Hispanic do-gooder and an Asian low achiever. They meet at "In School Suspension" and discover that they've got at least one thing in common: their parents are inept at personal finances and it hurts their families. They desperately want to do better, but they first must overcome their demons.
Akashi suffers from undiagnosed disabilities, making her the black sheep of her high achieving siblings. Can a "C" student get any better than a "C" vocation and a "C" life? Antonio loves outdoor adventures and serving the less fortunate. But can he make enough of a living to support a family while working in a potentially low-paying career? James wants to make a million dollars before age 40, but no matter how much he works, he can't seem to save a cent.
They're introduced to Mrs. Kramer, an eccentric high school teacher who's unusually successful with her finances. She meets with them each Saturday morning for breakfast to discuss money management.
The resulting package includes adventure, romance and fascinating people - everything you'd never expect in a financial book.
Q: This book is more about people than numbers.
A: Yes! And not only about my fictional characters, but about real people who've succeeded marvelously with their money. Kramer introduces them to Oseola McCarty, who washed clothes for a living the old fashioned way - boiling them in a kettle over a fire. After arthritis forced her into retirement, she shocked the world by giving a $150,000 gift to a college to allow deserving students to get the education she never had. How did she save $280,000 dollars while working such a low-paying job?
Young Warren Buffett started making money with lemonade stands, finding and selling golf balls, and running paper routes. With jobs that anybody could do, he ended up making more than his teachers while he was in high school. Then he multiplied that money into billions. What were his secrets?
The answers aren't hard to comprehend; they're just counterintuitive - not what you'd expect. The book introduces the reader to a host of interesting people and their finances, from Thomas Jefferson to Mark Twain to Sam Walton. I think that financial principles are more easily understood and applied when you learn them in the context of people stories. Yet, math weaves its way through the story, as students prepare budgets, figure compound interest, calculate grocery savings, etc.
Q: With the story line, I assume your target audience is high school seniors?
A: My characters range from 18 to 80 years old. Warren Buffett started investing at age 11. My grandmother started saving and investing at age sixty-five. At age 101, with her sharp mind intact, she's accumulated a small fortune. If the interest is there, I'm finding that a wide range of ages enjoy it and reap the benefit.
Q: In the book, you keep referring readers to your Web site for more information. Why didn't you just include everything in the book?
A: Because few people would buy a 1000 page book that's about finances instead of Harry Potter! Even fewer would actually read it once they brought it home. Personal finance is a very broad subject. My copy of Benjamin Graham's classic, The Intelligent Investor, is over 600 pages, and it just covers one slice of personal finances: investing in stocks. The Web gives me unlimited space to offer teacher resources and cover topics that readers want to explore further. I think many will especially find helpful the in depth summaries of other books related to personal finance. If you want to get a snapshot of the advice of several financial writers, or to get the scoop on a book before you buy it, I think you'll find my executive summaries valuable.
Q: How much do the Web resources cost?
A: They're free. You can find them at www.enjoyyourmoney.org .
Introduction: Part One – Investing Money
Part Two – Saving Money
Part Three – Making Money
Part Four: Enjoying Money
Breakfast 15 – Look for Happiness in the Right Places
Epilogue: Where Are They Now?
Discover what happened to the main characters later in life.
Web-Based Complementary Resources