Senin, 30 Desember 2013

[Z902.Ebook] Download Programming Collective Intelligence: Building Smart Web 2.0 Applications, by Toby Segaran

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Programming Collective Intelligence: Building Smart Web 2.0 Applications, by Toby Segaran

Want to tap the power behind search rankings, product recommendations, social bookmarking, and online matchmaking? This fascinating book demonstrates how you can build Web 2.0 applications to mine the enormous amount of data created by people on the Internet. With the sophisticated algorithms in this book, you can write smart programs to access interesting datasets from other web sites, collect data from users of your own applications, and analyze and understand the data once you've found it. Programming Collective Intelligence takes you into the world of machine learning and statistics, and explains how to draw conclusions about user experience, marketing, personal tastes, and human behavior in general--all from information that you and others collect every day. Each algorithm is described clearly and concisely with code that can immediately be used on your web site, blog, Wiki, or specialized application. This book explains:

  • Collaborative filtering techniques that enable online retailers to recommend products or media
  • Methods of clustering to detect groups of similar items in a large dataset
  • Search engine features--crawlers, indexers, query engines, and the PageRank algorithm
  • Optimization algorithms that search millions of possible solutions to a problem and choose the best one
  • Bayesian filtering, used in spam filters for classifying documents based on word types and other features
  • Using decision trees not only to make predictions, but to model the way decisions are made
  • Predicting numerical values rather than classifications to build price models
  • Support vector machines to match people in online dating sites
  • Non-negative matrix factorization to find the independent features in adataset
  • Evolving intelligence for problem solving--how a computer develops its skill by improving its own code the more it plays a game 
Each chapter includes exercises for extending the algorithms to make them more powerful. Go beyond simple database-backed applications and put the wealth of Internet data to work for you.

"Bravo! I cannot think of a better way for a developer to first learn these algorithms and methods, nor can I think of a better way for me (an old AI dog) to reinvigorate my knowledge of the details."
-- Dan Russell, Google

"Toby's book does a great job of breaking down the complex subject matter of machine-learning algorithms into practical, easy-to-understand examples that can be directly applied to analysis of social interaction across the Web today. If I had this book two years ago, it would have saved precious time going down some fruitless paths."
-- Tim Wolters, CTO, Collective Intellect

  • Sales Rank: #86785 in Books
  • Brand: Segaran, Toby
  • Published on: 2007-08-26
  • Released on: 2007-08-23
  • Original language: English
  • Number of items: 1
  • Dimensions: 9.19" h x .90" w x 7.00" l, 1.30 pounds
  • Binding: Paperback
  • 362 pages

About the Author
Toby Segaran is a software developer and manager at Genstruct, a computational systems biology company. He has written free web applications for his own use and put them online for others to try, including: tasktoy, a task management system; Lazybase, an online application that lets users design, create and share databases of anything they like; and Rosetta Blog, an online tool for practicing Spanish and French by reading blogs along with their translations and lists of common words. Each of these has several hundred regular users.

Most helpful customer reviews

111 of 115 people found the following review helpful.
Outdated
By Kyle
This is the first time I've actually taken the time to write out a review. I'm sure this book was awesome when it first came out, it is clear, concise and has a nice follow-along structure. However, it has become outdated and it is riddled with either old syntax and errors. I have gotten past most of that though. The worst part is probably that the files that are used in some of the examples are hosted on the authors blog and have been taken down. If he can't be bothered to continue hosting old files for people who may buy the book (or point us to somewhere to get them) we shouldn't be bothered to buy it.

13 of 13 people found the following review helpful.
Good - If you know what you're getting
By Denny
Let me start with pointing out what this book does well:

- The book gives a good survey of common Machine Learning algorithms. It explains what kind of problems these algorithms are good for. That's perfect for someone who wants to get a quick overview and has no background in Machine Learning.
- The book is very easy to understand. The writing style is very casual. Even people without formal training in Computer Science should have no problem. The only thing that's required is basic programming knowledge, preferably in Python.
- Among all of the theoretical ML books out there it's refreshing to find a book that applies the algorithms to real-world problems.

Now the negative points. The following are not necessarily negatives for everyone, as it really depends on what you were looking for in this book. However, I was expecting a bit more, and was disappointed about the following:

- Half of the books is code. I just don't see the point in printing full listing of Python code. Why not give shorter pseudocode and make the Python code available on the website? The long code listings only obfuscate the ideas instead of demonstrating how to apply them. If you take away the code listings there are maybe 150 pages of "real" content left.
- The very casual and easy-to-understand style comes at a price. The book does not go into the mathematical details of any of the algorithms. I understand that this wasn't the books intention to begin with, but I would argue that some mathematical background is necessary in order to efficiently apply complex algorithms. If you want to apply the algorithms presented in the book to slightly different or more complex problems, or wish to understand the advantages/disadvantages of each of the algorithms you'll have to know the basic math behind them.
- The algorithms are very poorly implemented. Looking at some of the code makes me cringe. While the code in the book may work for "Building a search engine" for a few thousand pages, or optimizing problems with a handful of variables, it certainly won't work for more interesting problems that involve real-world data, which is orders of magnitude larger. And the real-world scale is where these algorithms actually become interesting. The code in this book will only work for small examples where efficiency play no role. I understand the author wanted to keep the code as simple as possible, but in my opinion a few notes about how algorithms can be made more efficient would have been necessary. I can see many people trying to apply these algorithms to their real-world data, and getting stuck because of the poor implementation.

18 of 19 people found the following review helpful.
Outdates, Code no longer works
By albenali
I would not recommend anyone buying this book. The examples are outdated, based on sites that don't even exist anymore. The list of errata is huge (and doesn't even include all the errata I found).

Finally, the the author references old versions of python libraries that no longer 'work as advertised', or that have changed so radically that the example code will not even run - you'll be spending hours just figuring out how to update the code to be compatible with newer versions of the libraries referenced in the book. That in itself is a frustrating experience.

My advice is, get another book for Python or ML if that's what you're looking for and don't waste your time with this one.

See all 120 customer reviews...

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Sabtu, 28 Desember 2013

[M964.Ebook] PDF Download AMLS Advanced Medical Life Support: An Assessment-Based Approach, by NAEMT

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AMLS Advanced Medical Life Support: An Assessment-Based Approach, by NAEMT

The only textbook approved for use by NAEMT's Advanced Medical Life Support course, this guide provides comprehensive, evidence-based coverage of basic and advanced concepts with an emphasis on critical thinking, leading to better outcomes for patients. Submit your application to become a Course Site today.

  • Sales Rank: #271265 in Books
  • Published on: 2014-03-19
  • Original language: English
  • Number of items: 1
  • Dimensions: .80" h x 8.40" w x 10.70" l, .0 pounds
  • Binding: Paperback
  • 546 pages

Most helpful customer reviews

5 of 6 people found the following review helpful.
AMLS Textbook
By Peter
Awesome Text!! Book was perfect for instructor-led class.... followed powerpoint and lectures...must have for all EMS personnel
taking this course through NAEMT....

2 of 2 people found the following review helpful.
GREAT book!
By NHTFR
As a newer paramedic I often found myself wishing I was better at differential diagnosis. Progressing through my career I've learned things through experience and sometimes wished I could learn more about diagnosing what's going on with my patients prior to coming across it in the field and just making an educated guess. This book is full of very good information about how very specific conditions will present to you. I purchased it to take the AMLS class and would definitely recommend not only this purchase, but the class to any EMS providers out there!

2 of 2 people found the following review helpful.
Excellent!
By David Janese
I am a paramedic in Texas and I work for 911 in a large, multi-demographic population. This book expanded my knowledge and gave me more clinical "tools" to assess and treat my patients. I would recommend this book and class offered by NAEMT.

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Sabtu, 21 Desember 2013

[B238.Ebook] Download PDF Short Stories in French: New Penguin Parallel Text (French Edition)From Penguin Books

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Short Stories in French: New Penguin Parallel Text (French Edition)From Penguin Books

Written by authors from Quebec as well as France, the majority of these stories have been published in the last decade and reflect a rich diversity of styles and themes. From Daniel Boulanger's exploration of revenge and the desire for recognition in "The Hunter's Cafe," to Alain Gerber's brief and poetic "You Never Die," these stories make excellent reading in any language.

  • Sales Rank: #304786 in Books
  • Color: Other
  • Published on: 2001-01-01
  • Released on: 2001-01-01
  • Original language: French
  • Number of items: 1
  • Dimensions: 7.75" h x .60" w x 5.02" l,
  • Binding: Paperback
  • 240 pages

Most helpful customer reviews

79 of 87 people found the following review helpful.
depressing and difficult
By Paul SanGiorgio
Here is a partial body count from the twelve stories: one dead young boy, one dead young man, two children run away from home, one woman nearly freezing to death, one dead woman, and one dead donkey. There is more (many mentally unstable people, physically deformed people, etc.), but you get the point. For the most part, the stories are depressing and dull. Lots of mental anguish, lots of internal suffering, and not much else. And, as alluded to in my title, the difficulty level starts fairly low but rises quickly to the point that even in English translation some are difficult to follow. If you find the stories interesting -- as clearly the editor does -- this won't be a problem. If not, then you might consider buying something a little bit more "crowd-pleasing" like the dual-language Guy de Maupassant book.

Speaking of Guy, the editor makes the comment in the introduction that Maupassant wrote "short, sardonic narratives in which one always looks for the sting in the tail." Given that the editor is a French Literature professor, I find it absolutely mind-blowing that his entire familiarity with Guy de Maupassant is through "The Necklace." Out of the nearly 300 stories he wrote, one can count on one hand the number of stories with a "sting in the tail" and still have fingers left over. I guess I should have taken his total lack of familiarity with the greatest short-story writer of all time as a sign that maybe he and I wouldn't see eye-to-eye on what constitutes a good short story.

The English translation is excellent and very helpful.

77 of 86 people found the following review helpful.
full spectrum of writings and translation
By Phillip Varady
The content in the original French ranges from the beautiful "On ne meurt jamais" to the confusing "Le personnage" Some works are interesting but others seem tedious. The collection presents to the reader a wide range of contemporary French literature and, if one is a student, an excellent opportunity to see the French language used in all its various applications. The editor takes the liberty of translating the sense of idiomatic phrases rather than attempting to force the words into something that resembles the original, with mixed results. The longest piece, 'David' is also one of the best, as is 'L'objet d'art'; my favorite 'On ne meurt jamais' made the purchase worthwhile all by itself.

19 of 19 people found the following review helpful.
Challenging Prose - Nicely Edited - Worth the Effort
By dennis wentraub
This collection of twelve stories by contemporary French and Quebec authors is challenging for the beginning and maybe even intermediate level student of French. However, Penguin has done an excellent job of matching the English translation on the facing pages, so it is easy to follow the stories in the two languages line by line. Coward's short introduction to the stories is smart and places the themes and techniques of the writers in context. Most of these characters are introspective to a fault(!), isolated, obsessive, delusional, desperate but also desperately hopeful. There is little in the way of humor in these pages - mostly irony and it is decidely dark. But you will be moved in different ways by 'Heloise', 'The Hunters' Cafe', the 'Accursed Notebooks', and you will be made to feel the bitter almost hallucinatory cold of a Montreal winter night in "The Objet d'Art'. You will be surprised by where these writers take you in their stories. In the end this collection is sufficiently intereresting to motivate even a relatively inexperienced student of French to push through some fairly dense prose.

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Kamis, 19 Desember 2013

[G478.Ebook] Free PDF The Way Of The INFJ: Best book for success, balance and developing the INFJ, by Barry Cuder

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•The best book for learning about the INFJ type as a whole •Free downloads and content linked to your type are found inside •Four years worth of INFJ video content under one book cover •Awareness, learning and success for the INFJ •Focuses on how to learn your Cognitive Functions and increase brain functioning •Helps you to see the positive and improvement areas within your type •Teaching you about common feelings and experiences at all stages of your life •Explains your aggression, depression and relationship stages •Teaches you the secrets to fully balance as an INFJ person

  • Sales Rank: #682014 in eBooks
  • Published on: 2015-08-07
  • Released on: 2015-08-07
  • Format: Kindle eBook

Most helpful customer reviews

3 of 3 people found the following review helpful.
I really enjoyed reading The Way of The INFJ
By Brandy
I really enjoyed reading The Way of The INFJ. Barry Cuder is very knowledable on the INFJ personality type and gives it to you straight with honesty and no flowery mystic talk. He also has YOUTUBE videos that you can check out that are just brilliant. Definitely a must have for the INFJ.

2 of 2 people found the following review helpful.
One of the best books if not the best ever that I have ...
By Naomi G. Bratton
One of the best books if not the best ever that I have ever read on the INFJ personality type! I am personally an INFJ who has struggled most of her 37 yrs. of life. When I found out my type with the help of my psychology classes was around the same time I came across Barry Cuder's Youtube channel. Barry has helped me understand myself on so many levels and I am very thankful for his knowledge. He has such a gift to be able to write in such a way that no matter what ones age or sex they can understand what it's like for a INFJ like me or other INFJs who are looking to grow in their own personal development.

0 of 0 people found the following review helpful.
Love This Book
By Amazon Customer
Love This Book! the most comprehensive book I have ever read on the INFJ personality type in MBTI. Well worth the read ,because it goes deeply into strengths,and weakness' of the type,and suggests room for improvement for the INFJ type. I would highly recommend this for a new INFJ , or an INFJ looking for comfort and further development, or for people who have a relationship with one,and would like to understand , a spouse, family member, partner, or parent raising an INFJ. The best book on the market In my Opinion. I'd like to thank the author for publishing a book so brilliant..

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Rabu, 18 Desember 2013

[V240.Ebook] Get Free Ebook Gomorrah: A Personal Journey into the Violent International Empire of Naples' Organized Crime System, by Roberto Saviano

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Gomorrah: A Personal Journey into the Violent International Empire of Naples' Organized Crime System, by Roberto Saviano

The basis of the Sundance TV series Gomorrah
A New York Times Notable Book of the Year


A groundbreaking, unprecedented bestseller in Italy, Roberto Saviano's insider account traces the decline of the city of Naples under the rule of the Camorra, an organized crime network more powerful and violent than the Mafia. The Camorra is an elaborate, international system dealing in drugs, high fashion, construction, and toxic waste, and its influence has entirely transformed life in Campania, the province surrounding Naples.

Since seeing his first murder victim, at thirteen, Roberto Saviano has watched the changes in his home city. For Gomorrah, he disappeared into the Camorra and witnessed up close the drug cartel's audacious, sophisticated, and far-reaching corruption that has paralyzed his home city and introduced the world to a new breed of organized crime.

  • Sales Rank: #25517 in Books
  • Brand: Saviano, Roberto/ Jewiss, Virginia (TRN)
  • Published on: 2008-11-25
  • Released on: 2008-11-25
  • Ingredients: Example Ingredients
  • Original language: English
  • Number of items: 1
  • Dimensions: 8.20" h x .88" w x 5.53" l, .62 pounds
  • Binding: Paperback
  • 320 pages
Features
  • ISBN13: 9780312427795
  • Notes: 100% Satisfaction Guarantee. Tracking provided on most orders. Buy with Confidence! Millions of books sold!

From Publishers Weekly
Saviano's landmark exposé of the demoralizing effects of organized crime in his homebase of Naples, Italy, is an incredible tale that loses its power in this long-winded reading by veteran Kramer. Droning on in a matter-of-fact tone, Kramer loses the author's personal approach and fails to bring life to the touching memoir. Uninspired and indifferent, Kramer often sounds tired, struggling to keep himself interested, much less the listener. With slurred, often muffled narration, Kramer makes no attempt to engage his audience, a shame considering the rather fervent account that Saviano manages to recreate given his relationship with a deadly organized crime outfit and extensive research into the topic. Listening to Kramer over nine discs becomes a monotonous task rather than the entrancing experience that it should be. An utterly disappointing reading that fails to capture the gusto of Saviano's work. Simultaneous release with the FSG hardcover (Reviews, Aug. 13).
Copyright © Reed Business Information, a division of Reed Elsevier Inc. All rights reserved.

From Booklist
*Starred Review* Saviano, an investigative journalist, uses the port city of Naples as an entry point into the nefarious dealings of the Italian crime network, the Camorra, which has a stranglehold on the global economy through its control of the international clothing market, art collecting, drug dealing, construction trades, and toxic waste disposal. Naples is the epicenter for the criminal cartel since, as Saviano says, "Everything that exists passes through here." At a time when Chinese exports of pet food and seafood have become suspect, Saviano provides a revealing examination of the ways in which black-market profit mongering and lack of regulations ruin workers' lives and endanger us all. This investigation, published in Italy in 2006, became a best-seller and won the Viareggio Literary Prize. It's a stunner of a book, as accessible to American audiences, through its searing style and timely investigation, as it is to Italians. Perhaps most importantly, Saviano's accusations are utterly convincing because of his undercover investigations: in the best Upton Sinclair tradition, he worked at a Chinese textile factory in Naples, at a construction site, even as a waiter at a Camorra family wedding. Throughout, he relies on the significant detail to carry his outrage: scores of frozen Chinese bodies spilling out onto a dock; the sight of a Chinese factory worker at the bottom of a well, beaten and stabbed to death after refusing sex with her boss. Through his firsthand observation and interviews, he lays bare the abuses fed by this well-oiled and well-hidden criminal system. Devastating. Fletcher, Connie

Review

“The most important book to come out of Italy in years. . . . I could not get this brave book out of my head.” ―The New York Times Book Review

“Astonishing . . . gripping . . . [Saviano] exhibits the passion and heroism of a young man.” ―The Washington Post

“Brilliant.” ―The Wall Street Journal

“Read this important book and you will appreciate why Italy is still a country that needs heroes like [Saviano].” ―The Guardian (UK)

“An Engrossing book, animated by a fervor that's uncommon in American investigative reporting . . . As much a literary lament as a gritty exposé.” ―Mother Jones

“Endlessly eye-opening and sobering.” ―Kirkus Reviews

Most helpful customer reviews

37 of 38 people found the following review helpful.
International Organized Crime in and out of Italy today
By Chris
This book is an extremely engrossing read about the real world of high stakes organized crime operating in and out of Italy today. It will have tremendous appeal to real life crime fighters and mob aficionados across the world, not to mention anyone with generational ties to Italy as a homeland. Well written and extremely informative, it engages the reader in a tell-all approach of the extensive world wide implications of organized crime originating in and out of Naples today. Graphic and disturbing, it gives factual details only an `insider' would have access to. Particularly fascinating is the increasingly large part women play in the leading role of organized family clans. `The Godmother', if you will. One could only imagine a blockbuster film coming out of this information. This reader would have preferred more details about how the writer actually infiltrated `The System' but perhaps that will be a follow up to this amazing read.

28 of 28 people found the following review helpful.
One of the most important books from Italy in the last 50 years
By Enrico Ferorelli
Gomorrah is not a compilation of news clippings on the subject of the Mafia or better the Camorra.
It's the result of years of heroic work by a young writer that has devoted himself to the understanding of the criminal world that developed in the area around Naples .
The scope and range of the illegal activities are world wide and control the world of fashion, construction, drugs, food, toxic waste, and almost any form of commercial endeavor. The message is a portent of things to come where the claws have not reached yet. The courage of the writer has put him in life danger for the rest of his life and and under constant police protection. The valor of his pen is as great as the beauty of his prose. I can not recall any book that has moved me so deeply in a long time. The story is not only a requiem for the Italian nation but also
a heads up for the rest of the world where the connections with the Italian Camorra are blossoming: that is China, Australia, Central and South America, Africa and obviously the US.

94 of 105 people found the following review helpful.
From Tiberio's Leap
By Alvaro Lewis
Behold here an unfashionable and stirring book. The pages drip with the residue of disfiguring communications left by hitmen on the lifeless bodies of their victims. I do not go in for glamorized violence and I do not watch movies with guns. Still, I turned pages of this grisly book because its message is both fascinating and urgent. The scores of deaths described are countable but only a partial number. What waste. The mafia clans of Campania, whose fractions divide business by terror, account for the fear they inspire with their omnipresent success. It is bizarre to read of this smothering and ultimately corrupting system that renovates, enriches and destroys as it spreads.

A marginal insider, Savinio here unloads the weight of his learning and the roar of his disillusionment. His book puts to pasture the works that would try to rival it as discourses or discoveries on the nature of power in society. Fans of Foucault have no idea what power is about until they have read this book. The same goes for the armchair aficionado of corporate monopoly. Much of the information Savinio relates he has gathered as an inhabitant or curious, casual employee of the clans that run Italy from the graced and volatile realm of Campania.

The first chapter on the port of Naples is likely to unsettle anyone who lives near a port of entry by sea, as it shows how illegal goods make it from sea to secrecy and to the market. The chapter called "Cement" demonstrates the relationship between contractors, bids, bias and regional economy. These two chapters alone seem to be stunning achievements. The final chapter treats the horrifying management and crippling dispersion of toxins through land, sea and air for the sake of immediate profit. There are chapters that address the subjects of women, religion, fashion, film and clan supremacy.

Saviano sheds light not on numbers and accounts but on names and traces. In the face of such an overwhelming and entrenched corruption the only power a writer or citizen can exercise in behalf of the common good is to name the names. Those who speak the truth run mortal risk but only the brave who take up that risk protect the multitude from fear, abuse, and destruction. I commend the inspiring bravery of this author and the skill with which he unwinds the horrors of our twisted realm.

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Kamis, 12 Desember 2013

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Heroes Hang when Traitors Triumph: When Saints are made Sinners, by Mike Walsh

Character assassination always follows defeat in war. Had peace been declared in favour of the Reich many figures since denigrated would today be praised by media and conventional publishers.
In London Whitehall is Adolf Hitler Esplanade whilst Hyde Park is Lawrence of Arabia Park. Norway’s monuments celebrate Vidkun Quisling and Knut Hamsun. Romania honours Codreanu whilst in Ireland, UK and U.S the name William Joyce is affixed to great shopping malls.
Few hate these figures as they do not know them. What they hate are mythical figures that propaganda makes them out to be. Heroes Hang when Traitors Triumph gives a different perspective of former much vilified foes.
Heroes Hang when Traitors Triumph reminds us that victors propaganda turns saints into sinners. Here are the spin-free true stories of men who set examples of great courage and fortitude for the best reasons yet since had their reputations defiled by victors’ propaganda.

  • Sales Rank: #516071 in eBooks
  • Published on: 2015-06-22
  • Released on: 2015-06-22
  • Format: Kindle eBook

Most helpful customer reviews

9 of 11 people found the following review helpful.
The Truth Fears No investigation
By asatrued
Should be read in all schools.

5 of 6 people found the following review helpful.
Amazing Book
By Dirk Dandy
Mike Walsh does a great job of offering the truth to all who are will to listen. These men deserve to have their names and reputations restored, we easily believe the perceived evil of men and disbelieve the good. Reading this book reminds me to stop, think and reflect.

4 of 5 people found the following review helpful.
Judgement day must come soon!
By Dennis Anderson
An interesting and eye opening account of extordinary men that were heroes but labeled evil because they fought for the "wrong side." Just what nations were the right side? Let me ask you the following questions. 1. Did the Axis powers declare absolute unrestricted bombing on any of the opposing Allies with the sworn purpose to destroy as many innocent lives, men, women, children, babies and infants, as possible? No, only evil for evil does as evil is. 2. Did the German POW camps purposely starve, enslve, kill, or treat inhuman any Allied prisoners? No! But Eisenhower did and on purpose with the goal of killing as many Germans as possible by the above methods. I am very ashamed of him and my country for the war crimes that we committed then and are continuing to do. 3. Did any German policy steal land from people who had been living in their homes for centuries then expel them to die by the millions, penniless and robbed of their homes and possessions. 4. Did any German soldier commit massive and sustained rape and pillage of the people they had conquered? Who were the evil? The Allies did all of this and more. America, you are no longer a Christian nation and lost this wonderful blessing when you first brought slaves to America then slaughtered off the American Indian and then went into a killing unchristian frenzy that is going on this very hour. All I can say is there will be a day of reckoning and judgement will fall and God help the evil for their destruction will be complete and horrible in extent.

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Selasa, 10 Desember 2013

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  • Sales Rank: #1384828 in Books
  • Published on: 2010-03-03
  • Number of items: 2
  • Binding: Paperback

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Minggu, 08 Desember 2013

[Q527.Ebook] Ebook Love Your Life, Not Theirs: 7 Money Habits for Living the Life You Want, by Rachel Cruze

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Love Your Life, Not Theirs: 7 Money Habits for Living the Life You Want, by Rachel Cruze

In Love Your Life, Not Theirs, Rachel Cruze shines a spotlight on the most damaging money habit we have: comparing ourselves to others. Then she unpacks seven essential money habits for living the life we really want--a life in line with our values, where we can afford the things we want to buy without being buried under debt, stress, and worry.
The Joneses are broke. 
Life looks good, but hidden beneath that glossy exterior are credit card bills, student loans, car payments, and an out-of-control mortgage. Their money situation is a mess, and they're trying to live a life they simply can't afford. So why exactly do we try so hard to keep up with the Joneses?
Are we really living the lives we want, or are we chasing someone else's dream, just trying to keep up appearances on social media, at church, and in our community? Why are we letting other people set the pace for our own family's finances?
In Love Your Life, Not Theirs, Rachel shows you how to buy and do the things that are important to you--the right way. That starts by choosing to quit the comparisons, reframing the way you think about money, and developing new habits like avoiding debt, living on a plan, watching your spending, saving for the future, having healthy conversations about money, and giving.
These habits work, and Rachel is living proof. Now, she wants to empower you to live the life you've always dreamed of without creating the debt, stress, and worry that are all too often part of the deal. 
Social media isn't real life, and trying to keep up with the Joneses will never get you anywhere. It's time to live--and love--your life, not theirs.

    
I've never read a book about money that takes this approach--and that's a good thing! Comparison has a way of weaving itself throughout all aspects of our lives, including our money. In Love Your Life, Not Theirs, Rachel Cruze outlines the seven money habits that really matter--and they have nothing to do with keeping up with the Joneses!
Candace Cameron-Bure
Actress, author, and co-host of The View

Love Your Life, Not Theirs is full of the kind of practical, straightforward advice we've come to expect from Rachel Cruze. She offers guidance on paying down debt, smart saving, and the right way to talk to your spouse about money. These indispensable tips can help with day-to-day spending decisions and put you on a path to establishing healthy financial habits. 
Susan Spencer
Editor-in-Chief for Woman's Day

Cruze's self-deprecating and honest voice is a great resource for anyone wanting to take charge of their money. With humor and approachability, she helps her readers set themselves up for success and happiness, no matter what current financial state they may be in. 
Kimberly Williams-Paisley
New York Times best-selling author of Where the Light Gets In

In today's world of social media, the temptation to play the comparison game is stronger than ever. Love Your Life, Not Theirs is the perfect reminder that, when it comes to money, comparison is a game you can't win. A terrific--and much needed--read.
Jean Chatzky
Financial Editor, NBC TODAY and Host of HerMoney with Jean Chatzky Podcast

  • Sales Rank: #2773 in Books
  • Brand: HarperCollins Christian Pub.
  • Published on: 2016-10-04
  • Released on: 2016-10-04
  • Original language: English
  • Number of items: 1
  • Dimensions: 9.37" h x .98" w x 6.38" l, 1.00 pounds
  • Binding: Hardcover
  • 272 pages
Features
  • Love Your Life, Not Theirs: 7 Money Habits for Living the Life You Want

About the Author

As a seasoned communicator and Ramsey Personality, Rachel Cruze has been speaking to groups as large as 10,000 for more than a decade. The daughter of Dave Ramsey, she joined Ramsey Solutions in 2010 and uses the knowledge and experiences from growing up in the Ramsey household to educate others on the proper way to handle their money wisely and stay out of debt. Rachel co-authored the #1 New York Times best-selling book Smart Money Smart Kids with her dad. You can follow Rachel on Twitter at @RachelCruze and online at rachelcruze.com or at facebook.com/rachelramseycruze.

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64 of 69 people found the following review helpful.
Meh, nothing new here.
By MelissaT
The book is ok, however.......all of this has been discussed by her father, Dave Ramsey, for years. I applaud Rachel for giving these topics a younger, fresher view, but there is nothing new in the book.

I do follow Dave's baby steps, and it's a great plan. I just don't feel like Rachel said anything mind-blowing here. I was duped $15 for stuff I can hear on the Dave Ramsey radio program for free.

2 of 2 people found the following review helpful.
A Fresh Take - Rachel Emerges From the Shadow
By David Bernazzani
TL;DR: Tried and true concepts, fresh take and easily digestible. Highly recommended.

The book offers a fresh take on some of the core concepts taught by her father Dave Ramsey but with a focus on money habits. At the heart of the book is the message to "not keep up with the Jonses" which is especially difficult in this modern social-media driven world. It feels fresh and has some new ideas but at the core remains the stuff that works (would be somewhat strange for her to depart on that). I love Dave's advice but some people find him a bit too, um... blunt? sassy? And some find his religious and political leanings (which sometimes show in his writing and often show in his speaking) off-putting. I have no problem with either but Rachel is two notches down on sass and one notch down on religion. I didn't detect anything overtly political in the book at all. So the core concepts and the fresh take may be the most palatable presentation of the material to the widest audience yet.

The only criticism I have is that it felt a bit repetitive in spots. She even says in several passages "I know we've covered this before but...". I'm a fan of short and simple - 50 pages less and the book would have been really perfect.

I give the content, presentation and style a solid 4.5 (out of 5) stars and Rachel earns the round-up for providing so much awesome free content on her YouTube channel and other social media outlets. She has stood in the long shadow of her dad for some time - in recent years you can see her peek out and with this book I feel like she finally walks far enough ahead to begin casting her own shadow.

Note: I picked up the Kindle Version which is nicely formatted and was a pleasure to read. No obvious typos or other graphical glitches except the very top of each of the major chapter breaks was cropped (literally the word HABIT was just a few pixels above the top of my Kindle DX which affected nothing in the actual reading).

8 of 9 people found the following review helpful.
Read the book and change your perspective
By Amazon Customer
Awe haw- that describes so many moments I had while reading Love Your Life Not Theirs by Rachel Cruze. Where was this book when I was a newlywed! We have all been there- newly wed and broke and the pressure to keep up with what everyone else has and does (aka keeping up with the Jones). When our parents were Newleyweds they only had the joneses in their neighborhood- my generation has the jones on twitter, Instagram and Facebook. The stories Rachel shares are relatable and inspiring. As I was reading this book I reflected on her main points of finding contentment in where you are in life, making a plan for your future and giving.

Quotes-
"You always remember people in your life who care about you celebrate you and comfort you. Invest your time in people like this. More importantly strive to be that type of person yourself".

In regards to social media Rachel shares the trap of keeping up with the Jones
"I was chasing someone else's life instead of enjoying my own. I was letting someone I had never met influence not only how I was going to spend my money but how I was going to spend my life"

"And what I have come to realize is when we start comparing ourselves to other people we're playing a game we will never win"

"When you get caught up in social media comparisons you're comparing yourself to make believe. And when you compare yourself to make believe your real life will never feel good enough"

So here you are still reading this review and still on the fence?! Just go read the book!

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Senin, 02 Desember 2013

[Q337.Ebook] Ebook Free Loopholes of Real Estate (Rich Dad's Advisors (Paperback)), by Garrett Sutton

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Loopholes of Real Estate (Rich Dad's Advisors (Paperback)), by Garrett Sutton

The Loopholes of Real Estate reveals the tax and legal strategies used by the rich for generations to acquire and benefit from real estate investments. Clearly written, The Loopholes of Real Estate shows you how to open tax loopholes for your benefit and close legal loopholes for your protection.

  • Sales Rank: #12328 in Books
  • Brand: Brand: RDA Press, LLC
  • Published on: 2013-08-06
  • Original language: English
  • Number of items: 1
  • Dimensions: 9.00" h x 6.00" w x 1.00" l, .85 pounds
  • Binding: Paperback
  • 352 pages
Features
  • Used Book in Good Condition

Review

Voted Best Business Book in 2014! by Pacific Book Review

Loopholes of Real Estate clearly reveals the tax and legal loopholes you need to know to be a successful real estate investor. Knowledge is power; this book is a must read for the strategic investor. - Geraldine Barry, President SJREI Association & Publisher of REI Voice Magazine

There is no time like the present to take steps towards a successful real estate investing venture especially with using this book as your guide. Written by Garrett Sutton who is an acclaimed author, lawyer and advisor to the well-known and well-received, Rich Dad Poor Dad series of financial self help books. Mr. Sutton has also authored numerous other books on Financial/Business self help, therefore the reader can rest assured that the information contained in this book is reliable because it is coming from an expert source and is not offering vague advice on a "get–rich–quick scheme." Loopholes of Real Estate is an updated version of previously published edition(s).

The book is divided into five parts each section relevant to the varied aspects of successful real estate investing and the loopholes that protect the resulting assets. Part One - Real Estate Advantages contains the background information (theories and facts) on real estate investing and its benefits. Part Two –Get in the Game advises readers on how to devise an investment plan, gather your personal advisement team, and decide on your investment. Part Three – Tax Strategies - demonstrates how to analyze the financial potential of possible investments, looks at tax advantages and managing your investments. Part Four- Legal Strategies illustrates various legal methods for protecting your investments. Part five – Selection Strategies informs readers of legal and other issues pertinent to choosing a potentially profitable property. Found at the end of every chapter, are sections that detail the viable loopholes related to the information included in the chapter. Also contained in the book are multiple, relevant checklists, referrals to other informative resources (online) and books written by other experts in the real estate field.

Being that I am neither a real estate Investor nor someone who has a working knowledge of such things, I expected this book to be boring and doused in confusing lingo but instead I was pleasantly surprised. Written in a friendly tone and worded so that it is easy to understand, this is a precisely written, thoroughly organized guide to all things real estate; it does not just inundate the reader with laws, tax rules, and loopholes it offers lucid explanations demonstrated by case examples that depict real life situations. Additionally, this is not just a book for those looking to attain wealth through real estate investing it also serves as an intensely informative resource for business owners, married couples, business partners, and particularly homeowners, especially chapters 25 (Protecting Your Home and Related Asset Protection Strategies), 29 (Duties Owed by Real Estate brokers and Agents), and 30 (Legal Due Diligence).

This is an excellent book for those looking to invest in real estate - the information contained in this book does well to clarify the do’s, don’ts and loopholes and I heartily recommend this book as a must read for anyone interested in real estate on any level. Whether you're buying your first home, or adding another multi-unit apartment complex to your vast real estate portfolio, Garrett Sutton’s book is a fantastic overview of the "nuts and bolts" of buying, owning and selling real estate. - Pacific Book Review

...Sutton (Run Your Own Corporation, 2012, etc.), an attorney, expert in business law and one of ... Robert T. Kiyosaki’s stable of Rich Dad Advisors, offers clever, if complicated, new ploys to grow and safeguard a fortune. He begins with a motivational sketch of the cash-flow investment doctrine popularized in Kiyosaki’s Rich Dad Poor Dad―buy rental properties with borrowed money; rake in cash from tenants; leverage the equity to buy new properties; repeat until rich―but focuses on the labyrinthine “loopholes” that make the formula tenable. The first kind involves subtle tax dodges that add greatly to the profitability of property investments―everything from “cost segregation” depreciation to “passive loss” allowances to the “1031 exchange.” The flip side of amassing real estate wealth, the author continues, is protecting it against lawsuits, especially those filed by tenants. Sutton therefore explores another suite of legal loopholes for sheltering assets from court judgments, including insurance, limited liability corporations that distance owners from their wealth, and the tactic of loading properties with debt so they are less tempting targets for plaintiffs. There is plenty of arcane tax, legal and corporate-structuring lore here, but Sutton explains it in admirably lucid, straightforward prose supplemented with entertaining fictional case studies, including a picaresque involving an alpaca ranch, a moonshine still and whiplash payouts. Readers will learn a lot from the book, though not quite enough to master the subject; Sutton stresses that a team of expert “advisors”―a lawyer, broker, accountant, insurer, property manager―is indispensable for guiding investors profitably through the legal/financial minefield....Novice investors will find it an excellent road map for getting started. Readers looking for easy money may be discouraged by Sutton’s demonstration of just how complex real estate money can be, but others will find helpful guidelines, tips and tricks presented in a clear, engaging style.- Kirkus Reviews

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55 of 57 people found the following review helpful.
A must-read for real estate novices and experts alike
By A. H. Sudbury
I am an attorney in private practice and have many clients who fancy themselves real estate professionals. Very few of them, whether they own many properties or only a few, truly know and understand how to maximize the tax and legal advantages of real estate. I intend to recommend this book to all of my clients (and colleagues) who either already engage in, or express a desire in, real estate investing.

Garrett Sutton's book, "Loopholes of Real Estate", is the best and most comprehensive book that I know of to frame a person's perspective of real estate investment through the lenses of tax minimization, asset protection, and cash flow maximization. Mr. Sutton, formerly a real estate broker himself and currently a real estate investor and attorney, brings real life experience, the law, and the professional knowledge of some of Robert Kiyosaki's greatest Rich Dad Advisors to bear in this outstanding work. This book is a survey of real estate law and investing concepts that is an absolute steal as a mass market product. The information in this book is sold for hundreds if not thousands of dollars in other media such as seminars, academic courses, and professional books.

Sutton covers a myriad of topics, with an overall emphasis on tax minimization and keeping your investments out of the reach of ambulance-chasing attorneys. Among the topics covered in this book are:

(a) the basics of asset depreciation including using cost segregation to maximize passive loss;
(b) overview of 1031 exchanges and the basics of how to use and implement them;
(c) concepts of property management;
(d) how to hold real estate, including a devastating indictment of land trusts and the scam artists who promote them as a form of asset protection;
(e) how to structure your real estate holdings, including how to use corporations, limited liability companies, and limited partnerships, including the different tax classifications of same (e.g., "S corp" versus "disregarded entity");
(f) how to layer your protective countermeasures using insurance, debt encumbrances, your state's homestead exemption, and equity stripping;
(g) the different ways to hold title to real estate (e.g., the differences between tenancy in common and joint tenancy);
(h) The different types of conveyances (e.g., grant 'warranty' deeds versus quit claim deeds) and their legal implications;
(i) the "double negative" problem of investing in real estate using a Traditional (or Simple/SEP) IRA; and how to use a self-directed Roth IRA to invest in real estate if you choose to do so; and
(j) how to protect your personal residence from creditors, including the proper use of your state's homestead exemption, LLCs, and debt encumbrance.

Sutton's true brilliance is in how he crystallizes difficult, complex subjects into bite-size morsels that are easily consumed and digested by non-lawyers and non-real estate professionals. The Audible version of this book is narrated by Sutton himself, in a folksy, conversational tone which you can hardly tell is a narration at all. Listening to the audiobook often made me feel as if I was sitting in a chair in Sutton's law office having a personal conversation with him about how to achieve my real estate investment objectives. It is an absolutely brilliant production.

There are many other topics covered in this book which you will find helpful and enlightening. Throughout the book, Sutton uses the case study method (used in law schools and business schools) to bring to life the reasons why proper asset protection planning and tax strategies can both maximize your income, minimize your tax liabilities, and protect your investments.

In closing, I can't recommend this book more highly for anybody in any way connected with real estate. This should be the first thing you read about real estate investing, and Sutton provides numerous references for more in-depth discussions of certain topics. I recommend purchasing the Audible version and listening to it in the car, doing the dishes, and performing other chores, and then either owning the physical book or Kindle edition as a desktop reference. Rich Dad has once again hit a home run, and has successfully demystified and deconstructed a complex and daunting profession. With "Loopholes of Real Estate", the advantages of real estate investing are now open and accessible to ordinary Americans from every walk of life.

Thank you, Mr. Sutton and Mr. Kiyosaki.

20 of 21 people found the following review helpful.
Another book to use for long-term wealth strategy
By Andrew Stock
The Rich Dad series has once again published another "must have" book. If you are a student of the Rich Dad books, this book along with "Tax Free Wealth" (see my review) are the two most important books you will ever read to garner the knowledge needed to structure a long-term wealth-building strategy. The basic Rich Dad books lay the foundation of wealth building. However, this book and "Tax Free Wealth" actually demonstrate how to do it, and why it makes sense to follow such plans. These two books answer all the questions you may have had and tie up all the loose ends. Buy these two books, read them and keep them forever for reference.

16 of 17 people found the following review helpful.
Excellent read for people looking for tax saving tips or asset protection recommendations.
By H. Wang
A local real estate club host interviews the author, Garret Sutton, on a radio show. This book is mentioned in the interview. I am hooked by the title of "Loopholes" of Real Estate, as I am active in learning tricks for tax saving. So, I go ahead and get a kindle version. After reading the whole book, I realize this book does not offer me any new tricks in saving tax from my real estate portfolio....don't get me wrong, this book does cover quite some tax saving techniques, but I know them already. However, to my surprise, this book has quite some asset protection related subjects. And I do learn quite a bit on this subject from this book....things like:

1) What is a land trust? This book helps me to fully understand the purpose, the usage, the pro and con of a land trust.
2) Why a California LLC is a weak LLC. Why Nevada LLC, or Wyomin LLC are strong LLCs.
3) What are the homestead exemption differences in different states. And how the homestead exemption can protect asset.
4) The difference between Grand deed and quit claim deed.
5) Use mortgage to discourage lawsuit.
6) Use line-of-credit on property to discourage lawsuit.

I especially like Garret Sutton's approach in this book by using layman terms to cover subjects that could be hard to understand. Even better yet, quite some examples (or cases) are used to ensure readers fully understand each subject well.

I have 10+ rental properties all under my own name. I have been using both personal umbrella and commercial umbrella policies as the shield for asset protection. This book really helps me to have a clear picture how to proceed from here to implement a better asset protection scheme.

This book costs me less than 10 dollars. But what I got from it is far more than the book's cost. I highly recommend this book for real estate investors...whether they are looking for tax saving tips or for asset protection recommendations.

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