14 major awards! Finally an investment book that delivers major benefits now and into the future. amazon.com for "look inside the book"  My award winning book The Procrastinator's Bible for Financial Success: Nine Essential Steps for Planning, Budgeting, and Investing-second addition $18.95 Now includes a whole section mortgages (including a detailed checklist) Silver literary book of the year Readerview-2008 Finalist for Literary book of the year Readerview -2007 Voted best book in financial management Jean Carpenter-2008 Voted best book in financial management-2007 Finalist for Finance Indie book awards USA books finalist for personal finance USA books finalist in investing Highest 5 star gold review clarion-foreword magazine 5 star Readerview 5 star Rebecca Reads 4 star Mid-west book review (MBR) Publishers choice Editor's choice Rising star award ORDER TODAY: www.bookworm.tv       Excerpt Nobody really teaches us how to plan or invest when we're younger-or when we're older for that matter. The good news is that it's never too late to start. So get your copy today!Just $18.95 (same as last year) www.bookworm.tv

Professional Reviews
Readerview.com
At first glance, you might be a little bit skeptical about a mere 137-page book labeled a ‘bible.’ Yet author Frank J. Eberhart delivers a straightforward and concise look at personal finances…even if you think you’ve put it off way too long. “The Procrastinator’s Bible for Financial Success: Nine Essential Steps for Planning, Budgeting, and Investing” will get you up and on the road toward fiscal achievement in no time flat.

“The Procrastinator’s Bible for Financial Success” is organized in a workbook style format, making it easy to apply your current situation right there as you read. These practical applications make immediate use of what you learn – and as you are learning it - giving you the confidence that you are getting the gist of each concept. Eberhart leaves ample writing space to fill in your own information for analysis and future reference.

If terms like ‘defective granter trust’ or ‘qualified terminal interest property’ make your head spin, “The Procrastinator’s Bible for Financial Success” will take away the pain. Eberhart walks you step-by-step through a myriad of different financial options and even the most confusing terminology. There are plenty of reasons why people procrastinate when it comes to truly managing their money. “The Procrastinator’s Bible for Financial Success” actually makes it hard not to go ahead and get things organized.

Financial advisors and insurance agents all have products to sell so you are never 100% sure that the information they give you is completely unbiased. Are you buying into a smart investment that will positively benefit your financial future or are you simply padding their big ol’ commission checks? With “The Procrastinator’s Bible for Financial Success,” you don’t have those concerns and uncertainties; you have honest, impartial advice meant to profit (pun intended) you and your loved ones.

Frank J. Eberhart wants you to quit postponing your financial makeover and discover how easy it actually is. “The Procrastinator’s Bible for Financial Success” does just that, regardless of your previous fiscal background (or lack thereof). It’s never been this effortless – or pleasant – to make sense of the complicated financial world! Why put it off a minute longer?

Clarion-foreword magazine Five stars (out of Five) *****
Frank Eberhart’s Procrastinator’s Bible For Financial Success is a wellspring of knowledge about wealth, how to attain it, and how to keep it. A profitable read for beginning investors, procrastinators, and seasoned traders, this “comprehensive workbook” delivers what it promises in a readable, well-organized, easily-followed fashion. From his years of experience and expertise as a financial advisor, Eberhart has distilled nine essential steps for the key areas of planning, budgeting, and investing. If followed, he writes, these steps can “take your finances, your estate and yourself to a new level.”

In his introduction, Eberhart stresses the need for planning, whether the reader is a financial procrastinator or not, and provides a set of five “must-do” items to facilitate the planning process. He follows these with his nine steps which, he says, “are designed to help you understand how investments work, get organized, set your estate plan in place, and put your goals into writing.” A natural born teacher, Eberhart leaves nothing to chance in guiding his readers through the steps. He explains acronyms like QTIP, ETF, JTWROS, and QPRT. He includes definitions throughout the book and a glossary of terms like “front-end load,” “arbitrage,” and “triple witching day.” He includes tips, multiple examples, footnotes that make sense, an entire reference section of relevant Web sites, and frequent advice about consulting experts in legal and financial matters. And perhaps most helpful of all are the checklists and worksheets for specific topics. The one for a retirement budget calculation is an excellent example, with entries for everything from auto expenses to vacation requirements. Equally useful are the six sections of worksheets in chapter two: Personal/Business Information. They provide space to record personal data including the names of family members, prior marriage partners and obligations, wills, assets, debts, life insurance details, estate administration factors, and special needs requirements. Once completed, these pages can be photocopied for use elsewhere if needed.

Eberhart is meticulous in ensuring he thoroughly covers each topic, whether he is detailing how to keep track of investments or discussing how to determine one’s need for life insurance. It’s hard to imagine any questions left unanswered after his chapters on “Step Eight, Understanding Your Investments” and “Step Nine, Mutual Fund Checklist: Items You Need to Address Before Investing.” In addition to his nine steps, Eberhart provides a chapter on learning before investing, which includes topics on the basic classification of funds, the most frequently seen funds, specialty funds of various kinds, a comparison of different funds, an example of his own fund management process, and a note about arbitration. As well there are chapters about bonds, choosing a financial adviser, and a very interesting test on financial trivia.

As his final bit of sage and cogent advice, Eberhart states, “It is up to you to protect your and your family’s financial future. Whether investing or planning your estate, the more you learn, the more you earn—and the more you keep what you earn!” And that, as they say, you can take to the bank.

M. Wayne Cunningham- Five Stars*****

Reader Reviews for "The Procrastinator's Bible for Financial Success: second addition $18.95"

Reviewed by John Domino	10/17/2009
Who does not NEED a book like this????
Reviewed by Glenda Bixler	1/6/2009
The Procrastinator’s Bible For Financial Success By Frank J. Eberhart iUniverse 156 Pages “I prefer financial success to financial stress.” I admit it...I’m a procrastinator! But, would you believe it is only about one area of my life? Yes, you guessed it—my personal finances! I wish I could say that I was thrilled to be given this book, The Procrastinator’s Bible for Financial Success by Frank J. Eberhard, for review, but I am an honest reviewer...so... When I was working, I was responsible for the management and direction of an annual multi-million dollar capital budget. It was a very demanding job and what I found was that I put aside my own personal business and instead handled that of my organization. So that, when I retired early, there was little I had done to prepare and plan ahead for this event. Frankly I was “saved” by having had a mandatory retirement program so that at least I was “monetarily” somewhat prepared. I just didn’t have sufficient knowledge for making important decisions! Since Mr. Eberhart’s book is in its second edition, I feel confident I am not alone. So, when I read the cover of this book and saw: Start Savings Account, Balance Portfolio, Track Expenses, 401K, Invest, Plan for Retirement, etc., I opened the book with a sigh... I was going to learn “Nine Essential Steps for Planning Budgeting and Investing! Let me first highlight the author’s choice of “bible” as his title. This is an excellent choice. Because of the complexity of his material, the author begins with the basics of each issue and then moves into more detailed information. For instance, when he recommends that creating a trust may be a wiser choice than a will, he then provides an extensive list, with definitions, of possible trusts. The reader can briefly scan the description and quickly move on to other options. For many readers, basic guidelines and his reproducible workbook sheets may be all that is needed. For those with a larger estate to consider, the book provides sufficient details and guidance to begin planning. Because it is normally assumed that the author of a nonfiction book is an expert, which Eberhart is (he is a high net worth financial advisor and advocate of knowledge and disclosure for consumers regarding investments, estates, and financial advice), I tend to look for “inside” tidbits or nuggets of information, such as the following examples, that the author has been willing to share. · Nobody really teaches us how to plan to invest...the good news is that it’s never too late to learn or start. · A beneficiary has the right to sue the executor for losses in value of investments! ·Creditors such as Medicaid have a right to property or assets before heirs do. · Wills do not provide direction for incapacitation—the executor for financial decisions generally becomes court appointed, which is a real hassle for heirs... · Revocable trusts bypass probate... · Watch out for cookie cutter templates—they may contain information or wordage that is not pertinent to you, or may be even potentially harmful. · It is just as important to understand what you owe as it is to understand what you own... · When you reinvest the dividends into the stock, you raise your cost basis and generally end up with odd lot or fractional shares of stock, which are difficult to sell. · Most individuals do not realize the new law gives you the right to cancel Private Mortgage Insurance when your mortgage meets the required 80% of value. · Rule 72 is a rule of thumb to calculate how long it will take to double your money. If your money is earning 6 percent, divide 6 into 72 = 12 years. Substitute any percentage into the 72 to see how long it will take for the return. I highly recommend Frank J. Eberhart’s The Procrastinator’s Bible for your home reference library. When you are considering some financial option, check out the complete definitions, options and examples Eberhart provides. If you don’t find it, he also provides lots of references for further information. I guarantee you will be using this book as one of your most important resources! “...the more you learn, the more you earn, and the more you keep what you earn!” G. A. Bixler For Author’s Den
Reviewed by Linda Newton Perry	8/8/2008
Sounds like a book we can all use. I would like to see more excerpts here on authorsden. Happy writing. Linda

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