Life Insurance Book Review

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Seasoned Trades is a website claiming they can add up to 200 points on your credit rating. Apparently they somehow allow you to ’share’ credit ratings with an established rating. I honestly have no idea how that works and it seems a bit bizarre, as if you’re borrowing someone else’s credit rating. Is that even possible? Their website claims that mortgage brokers have been doing this for years. The packages seem a bit expensive as well, starting at $1000 and increasing up to $3000. That’s likely a tough haul for someone with a poor credit rating.
They also appear to offer loans to their clients as well. There wasn’t a lot of info on their site about this, I’d expect they’re basically offering high risk credit loans without coming right out and saying it.
Anyway, if you’ve been digging around for credit repair ebooks, this seems like another option open to you.

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What can I say about this book that hasn’t already been said? This is the best written and most widely read financial planning book of all time. It’s also turned into a tv program, it was that successful. Well, I suppose I could brag that I’ve met the author a number of times (he lives locally) or that I own my autographed copy that Mr. Chilton gave me.

Anyway - I read this book cover to cover when it was first released well over a decade ago. The book is still a vital read today for anyone - investors, actuaries, consumers, even insurance agents and financial planners. The reason it’s such a great book is that it’s chock full of fabulous and grounded advice for everyone. The reason it’s been so wildly successful is because it’s actually delightfully readable. It’s an easier read than a pocket novel. I can personally guarantee you’ll enjoy this book no matter what your background - and you can read it knowing that the author David Chilton is really as nice and down to earth as the characters in his book.

The Wealthy Barber is the story of a common sense barber who’s spent his time learning about financial planning. In the book he relays this information on to a number of customers who come in once a month for a haircut. Each haircut is a different lesson, one on mutual funds, one on life insurance, and so on. The story is told in the first person, by one of the guys who’s in getting his haircut (his successful sister is also along for the lessons, so there’s no ‘guy’s barber shop’ atmosphere to the book).

Title: The Wealthy Barber, by David Chilton, CFP. ISBN 0761513116
Rating: 6 Stars out of 5.
Who should buy this book? Absolutely everyone. If you’re a consumer, there’s a wealth of knowledge you’ll be able to ingest without dozing. For financial planners or industry experts, it’s a good dose of back to basics.

Use the above button to buy this book in the U.S. or
buy it in Canada

This book is like a bad porn movie. I had no idea where he was going at the start of the book, but then it got interesting. And the finish! Well, let’s just say it was worth the wait.

The author I think does himself a bit of a disservice when he titles the book ‘Pension Strategy for Canadians’. I think the book is well suited for any investor who wants a bit of a handle on their finances. It’s also equally relevant to Americans as far as I can tell, there seemed to be little if any Canadian specific content.

The book really talks about how to diversify your investments to earn the best long term rate of return at the lowest risk. The author indicates in the book that most people think they know what a diversified portfolio is, but in reality are wrong. As I’ve been in the insurance business for about two decades and know what a diversified portfolio is I found that a bit of an odd statement. Until I continued reading and realized the author was absolutely correct - I was waaaay off base when I thought I knew what a diversified portfolio was.

The section in the book on standard deviation gave me an ice cream headache, and I already know what standard deviation is and how to calculate it. Nevertheless, that’s the worst thing I could say about the book, and I don’t think his math is material to the appreciation of his message.

The author does ultimately build a credible case for how he suggests you create a properly diversified portfolio. Then at the end of the book he actually pins the solution down to some exact numbers. Fabulous. I expect you could take that part of the book verbatim and apply it to your investments.

In summary this is a great easy to read book that anyone who invests more than $10 should pick up and read.

Title: The Pension Strategy For Canadians, by Andrew Springett, CFP. ISBN 1-894663-73-X
Rating: 3.5 Stars out of 5.
Who should buy this book? I strongly recommend this book to anyone who invests.
Buy this book (Canada)