[M943.Ebook] Free PDF The 5 Money Personalities: Speaking the Same Love and Money Language, by Scott Palmer, Bethany Palmer

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Are you ready? You can take a huge step toward making your relationship better, stronger, and healthier right now by listening to this audiobook.

Every couple argues about money. It doesn’t matter if you’re raking in the cash or barely getting by, if you’ve been married for forty years or dating for four months. Money touches every decision you make as a couple―from the $5 cup of coffee to the $50,000 car. And when the two of you don’t see eye-to-eye on how much to spend or how much to save, that’s when arguments turn into ugly, toxic fights that leave both of you feeling hurt and angry. That’s why money has become the number one cause of divorce in the United States. Obviously, something needs to change.

Are you both ready to take our Money Personality Profile? Once you know your Money Personalities, you can get to the root of money arguments and start working together. You’ll discover what has an impact on your loved one’s money decisions. You’ll learn how to talk about money in a way that’s actually kind of fun. And you’ll figure out how to put an end to money secrets and lies once and for all.

That’s a big promise. But tens of thousands have adopted The Money Couple’s methods and enjoyed a whole new way of living with love and money. You can be on the way to building something beautiful together today.

• Sales Rank: #5612632 in Books
• Published on: 2015-07-07
• Formats: Audiobook, MP3 Audio, Unabridged
• Original language: English
• Number of items: 1
• Dimensions: 6.75" h x .50" w x 5.25" l,
• Running time: 3 Hours
• Binding: MP3 CD

About the Author
Scott and Bethany Palmer are regulars on national TV and radio and speak internationally about “love and money.” With thirty-eight years of combined financial planning experience, they launched “The Money Couple” and have dedicated their lives to helping couples bring their love and money together with the 5 Money Personalities. Scott and Bethany enjoy an active lifestyle in Colorado with their two young sons, Cole and Cade.

Most helpful customer reviews

11 of 12 people found the following review helpful.
Tools for fighting fair and dreaming again
By Martin Baggs
"It all starts with the vows: for richer or for poorer. . . . Every marriage starts with big hopes and dreams. . . . And then life happens." (p.3) The authors Scott and Bethany Palmer, experienced financial planners known as the money Couple, begin their new book with these words that ring true. For those of us who have been married for some time, we can understand this. The authors go on, "And over time through no fault of your own those dreams you had for your life together get put on the back burner and, one by one, they start to dry up and disappear." (p.4) Then they follow up this opening section with this intriguing claim: "If you've lost track of the dreams you used to have, we believe you can get them back. We believe you can reclaim the life you envisioned, one dream at a time." (p.6) When I read this excerpt I decided I wanted to check out their claims.

This is no Dave Ramsey tome, though. The Palmers are patently clear about this in their introduction:

"Before you jump in, we want to be clear about something: this book is not a guide to managing your money. You won't find tricks for creating a balanced budget or tips on saving money. . . . This book is about you and your marriage, It's about the way your money and your relationship combine to create a Money Relationship. That's right -- you and your spouse have a Money Relationship, just like you have an emotional relationship, a spiritual relationship, and a physical relationship." (p. xiv)

So, if you are looking to make or manage money, stay clear. This book won't help you. But if you want to understand this Money Relationship and reclaim your dreams, this book might hit the target.
The heart of the book focuses on the 5 Money Personalities: the Saver, the Spender, the Security-Seeker, the Risk-Taker and the Flyer. According to the Palmers, we all possess a primary money personality and a secondary one. These contribute to our unique money DNA and determine how we see the world.

Further, they posit that every decision in our marriage relationship is impacted by money, whether it relates to spending or saving, affording or dreaming. Whether we like it or not, money is there, an ever-present undercurrent impacting how we get along. Buy money, like religion and politics, is something we rarely discuss with others, even spouses. By discovering our own two money personalities and then those of our spouse, we can then see how they interact and lead us into financial arguments. With this knowledge and self-understanding we can begin to build a plan, not a budget, for how we approach money and spending. In so doing, the Palmers argue, we can recapture our dreams.

The book is short, at 180 pages, and is written in an approachable and easy-to-read manner. There is little of academic depth here, and that is one criticism. It could stand some references, or support for theses, like why are there 5 money personalities and not four or six (or even more). Yet perhaps this is nit-picking, since most readers will come to this for help, like visiting a counselor. Such people don't really want chapter and verse. They trust the expert and simply want tools to function better in their own lives and situations.

That said, the authors introduce us to several tools. The first is "the reveal," where we find our two money personalities and share with our spouse. They even offer a free yet simple quiz on-line to help with this. Even though I had correctly pegged my two money personalities, when I took the on-line quiz I was surprised to find they were reversed in terms of primary and secondary, and this helped me understand some of my financial worries. This tool is foundational to the rest.

So, too, is their concept of financial infidelity, where we keep some financial secrets, big or small, from our spouse. This forms the root of the financial arguing that often leads to divorce ("money has become the number one cause of divorce in the United States"), but can be nipped in the bud with the use of transparency and their other tools.

The final three tools are the Money Dump, the Money Huddle, and the E.N.D. The first is an exercise of looking at the pros and cons of your finances and then sharing one con with your spouse. The second is an intentional monthly connection point for 45 minutes, focused on your Money Relationship not your specific bills and budgets. And the third tool describes how to Huddle. The first 15 minutes is spent on Evaluation two simple numbers: "how much debt you have and how much you have in savings" (p.135). The second 15 minute focuses on Needs, those that relate uniquely to our own money personalities and impact our mutual Money Relationship. The tool allows us to be vulnerable and build trust. The final 15 minutes winds up with Dreams. Here is where we share our dreams and plan to make one or more happen.

These tools seem so obvious, almost common sense. They center on communication. But in our busy society, with differences between husband and wife, we may find it difficult to open up with our spouse, either through time or temperament. The beauty of these tools is that they encourage us to make the time and take the opportunity for such sharing. And for good measure, they give us the Stop (reacting out of anger), Drop (your financial assumptions), and Roll (up your sleeves and work it out) technique for fighting fair in financial arguments.

The book is intended to be read with your spouse over a period of 90 days. This is to force reflection and discussion, and to instill new habits in both. I must confess that I have not done this, since I was under a deadline to write this review. So I cannot comment on the efficacy of the tools, even though they appear practical. However, I am planning to go back and reread the book and work the exercises at the start of 2013 -- a New Year's resolution I intend to honor. And I am hoping to dream again!

Note: I received a free copy from Thomas Nelson Publishing but was not influenced to provide a positive review

6 of 6 people found the following review helpful.
What's Your Money Personality
By Nancy L. Kvamme
Money is involved in every aspect of our lives so it is not surprising that it is a common reason for disagreements among couples. You may have heard that fifty percent of marriages end in divorce. Another statistic is that 70% of divorced couples say that money was a major reason for their divorce.

In the book The 5 Money Personalities Speaking The Same Love and Money Language the authors, Scott and Bethany Palmer discuss the 5 Money Personalities they have come with after years of working with couples.

Once you realize what your money personality is and what your partner's is it may be easier to work through your difficulties or to avoid having problems. The book includes summaries of each personality or you can take a quiz on their website,

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[Q323.Ebook] Free PDF Reality, Spirituality and Modern Man: 0, by David R. Hawkins

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This is the seventh book in a progressive series based on the revelations of consciousness research. It describes in detail how to discern not only truth from falsehood but also the illusion of appearance from the actual core of reality. The text explains how to differentiate perception from essence, and thereby enables the reader to resolve the ambiguities and classical riddles that have challenged mankind for centuries and baffled the best minds in history. While modern technologies have provided a phethora of new toys and conveniences, the basic problems of daily existence remain. This book provides the tools to survive and regain fundamental autonomy and inner harmony while living with the complexities of the modern world.

• Sales Rank: #750070 in eBooks
• Published on: 2013-08-01
• Released on: 2013-08-01
• Format: Kindle eBook

Review
[A] beautiful gift of writing... [You] spread joy, love and compassion through what you write. The fruit of these three is peace, as you know... Mother Teresa Praise for Power vs Force: Perhaps the most important and significant book I've read in the past ten years. -- Dr Wayne W. Dyer New York Times bestselling author of Wishes Fulfilled

About the Author
David R. Hawkins, MD, PhD, was Director of the Institute for Spiritual Research, Inc., and Founder of the Path of Devotional Nonduality. He was renowned as a pioneering researcher in the field of consciousness, as well as author, lecturer, clinician, physician and scientist. He served as an adviser to Catholic, Protestant and Buddhist monasteries; appeared on major network television and radio programmes; and lectured widely at such places as Westminster Abbey, the Oxford Forum, the University of Notre Dame and Harvard University. www.veritaspub.com

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66 of 68 people found the following review helpful.
A new contribution to the Great Books of the Western World
By Andy K
`Reality Spirituality and Modern Man' would seem to be David R. Hawkins' contribution to the Great Books of the Western World, and to the great conversation which arises from those books and their readers.

To the epochal crisis in faith and trust that extends through politics, academia, religion, and family life, Hawkins serenely suggests a series of counterbalances, resolutions, recontextualizations, and clarifications. The book builds piece by piece a new context by which to understand reality, but more of that in a moment.

His matter of fact style is heavily referenced, with occasional brilliant rhetorical flourishes, and a rich stock of wit in words and images. The references are a feast of interesting leads to new and substantial fields of knowledge, and Hawkins has considerately put comments to the bibliographic references that let you know something of their significance, and thus whether you might wish to follow them up or not. These notes have led me to many rich discoveries.

This is by far the most erudite of Doctor David R. Hawkins' books, and that factor sometimes makes it seem as if one cannot see the forest for the trees. It is a complex book, but many important books are complex and yet rewarded persistent readers greatly.

Much of the book would seem to be a series of contrasts between true and false, essence and appearance, the world as it is and the world as it appears to be. These sophisticated chapters taken on their own are powerful challenges to the reader to examine his own presumptions and preconceptions about society, science, religion, spirituality, and basic epistemology (how we know what we know). But as I said, the chapters are cumulative in their effect, and the overarching vision the book presents is beyond my words to represent.

The culminating chapters of the book present the world as an artefact of human collective perception and with striking clarity reveals the simply unreality of much of the prevailing conceptions about the nature of the world we live in. The stark simplicity and purity of the concluding view is beautiful, authoritative, and noble.

I believe that a new `Great Book of the Western World' has passed unheralded into publication in Dr David R. Hawkins' `Reality, Spirituality and Modern Man'.

39 of 39 people found the following review helpful.
More Radical Devotional Nonduality
By R. S. Valentine
This book takes Dr. Hawkins most recent teachings and places them in the context of current society and the recent past. He explains the discernment of essence from perception at length, issues of paradigm and worldview, and cites historical examples. Included are Dr. Hawkins detailed explanations of Ramana Maharshi's radical instructions regarding "Saving the world," The relationship of the Scopes Monkey trial to our current societies conflicting worldviews, and how harmful influences use the cover of secular and religious appearance to manipulate all aspects of society, including, especially the media. Included are the illumination of spiritual paths for those questioning the traditional teachings of our culture or the existence of God. A Great Book, full of clarity, bound to be controversial, eye opening and for some paradigm changing. Thank You Dr. Hawkins for the power and directness of your teachings.

8 of 9 people found the following review helpful.
More Radical Devotional Nonduality
By R. S. Valentine
This book takes Dr. Hawkins most recent teachings and places them in the context of current society and the recent past. He explains the discernment of essence from perception at length, issues of paradigm and worldview, and cites historical examples. Included are Dr. Hawkins detailed explanations of Ramana Maharshi's radical instructions regarding "Saving the world," The relationship of the Scopes Monkey trial to our current societies conflicting worldviews, and how harmful influences use the cover of secular and religious appearance to manipulate all aspects of society, including, especially the media. Included are the illumination of spiritual paths for those questioning the traditional teachings of our culture or the existence of God. A Great Book, full of clarity, bound to be controversial, eye opening and for some paradigm changing. Thank You Dr. Hawkins for the power and directness of your teachings.

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[L131.Ebook] Download PDF Freedom From Fear: Overcoming Worry and Anxiety (Powerful Biblical Strategies to Defeat Them), by Neil T. Anderson

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Examining the root causes of fear, readers will learn how strongholds develop and find the tools to tear down the prison walls.

• Sales Rank: #4112703 in Books
• Published on: 1999
• Binding: Hardcover
• 349 pages

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5 of 5 people found the following review helpful.
Freedom from Fear IS Possibile!
By R.S.
As a chronic sufferer of anxiety, phobias, depression, and general fear, this book has taught me that the fear of the Lord is the only thing I need to ever fear! When you truly know the Truth and stand on it, you begin to feel the chains of fear fall away.
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Freedom from Fear is a book of help and understanding on the subject of fear which I found to be a helpful tool.
By Amazon Customer
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2 of 2 people found the following review helpful.
Good for any CHRISTIAN
By LJZ
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• Sales Rank: #2307510 in Books
• Published on: 2006-02-01
• Original language: English
• Number of items: 1
• Dimensions: 9.02" h x .94" w x 5.98" l, 1.45 pounds
• Binding: Hardcover
• 420 pages

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Great book on Steam turbine software design
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• Published on: 1702
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• Sales Rank: #1052492 in Books
• Published on: 2014
• Binding: Paperback

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0 of 0 people found the following review helpful.
Five Stars
By Beibei
good

0 of 0 people found the following review helpful.
Three Stars
By Diana Houck
:)

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[J169.Ebook] Download PDF Karpov's Strategic Wins 2: The Prime Years: 1986-2010 (Volume 2), by Tibor Karolyi

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Anatoly Karpov is one of the chess world’s greatest World Champions, with his prime strength being his subtle maneuvering and positional play. Many of his opponents have been baffled by the profundity of his strategies, but here Karolyi explains Karpov’s genius.

This volume features Karpov’s most entertaining and instructive strategic wins from 1986-2010 when Karpov was battling with his younger rival Garry Kasparov for chess supremacy It was during this period, at Linares in 1994, that Karpov achieved what statistics show to be the finest ever tournament performance.

• Sales Rank: #905558 in Books
• Brand: The House of Staunton, Inc.
• Published on: 2011-02-15
• Original language: English
• Number of items: 1
• Dimensions: 9.00" h x 1.00" w x 6.00" l, 2.60 pounds
• Binding: Paperback
• 576 pages

Features

• Author: Tibor Karolyi
• Pages: 576 Pages
• Publication Years: 2011

Review

Of course, if you love book 1 (and how could you not love the first one?) then you will absolutely want book 2 also! Once again: Karpov’s Strategic Wins (books 1 & 2) are a triumph for Tibor Karolyi, who cements his reputation as one of the world’s finest chess writers, and for Quality Chess – they just keep cracking out great stuff.”

IM Jeremy Silman, jeremysilman.com

�

“As with volume 1, Karpov’s Strategic Wins 2 deserves book of the year accolades. The explanations are clearly written, the analysis is precise and in-depth, the game examples are well chosen, and the production is outstanding. Treat yourself and buy it in hardcover, you won’t regret it!” [6 out of 6 stars awarded]

Brian Almeida, ChessCafe

About the Author

Tibor Karolyi of Budapest, Hungary, is an International Master, award-winning author and renowned chess trainer. Karolyi coached Peter Leko, a former World Championship challenger, during Leko’s teenage years when in the space of four years Leko improved from promising junior to grandmaster.

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39 of 39 people found the following review helpful.
Destined to be a classic
By Mercianomad
This review pertains to both volumes of these great books, as they are really one work, two objects. It should be noted that the second volume must have been updated, as it goes to 2010, not 2009 as in the cover photo and title here.
_________________________________

The Karpovian boa constrictor positional style doesn't always lend itself to raving enthusiasm from chess fans. I've heard his play described as "boring" many times over the years. John Nunn, in his introduction to the unfortunately out-of-print 1996/97 edition of "Capablanca's Best Games" by Harry Golombek, writes about how struck he was by Capablanca's and Karpov's stylistic similarities (specifically: endgame excellence, ability to make something out of nothing in simplified positions, and beneficial liquidation), with the primary difference being an underlying aggression in Karpov's play that he didn't find particularly evident in Capa's.

So now here we have two books that celebrate Karpov's strategic brilliance, very specifically avoiding any quick tactical checkmate coups that would mollify those looking for more tactical oomph. Tactics are there in plenty by virtue of their interrelation with positional factors and the nature of chess analysis, but the focus is his strategic thinking, which is great - not boring - as Karpov is an extraordinarily rich subject in this regard.

Tibor Karolyi's efforts are monumental. These are not merely games with commentary. They also contain a good deal of history that bridges key moments in Karpov's career, with chapters running year-by-year and paragraphs before and after every game about what was happening with him professionally. All chapters end with a brief statistical summary of how any particular year went for Karpov. The author tries to give some (admittedly short) biographical history of the more obscure players Karpov faces in the games and others around him in his career, including a nice little interview with his childhood trainer in the first volume. The biographical material, however, is clearly secondary to the heavy doses of pure chess science.

The books are deep in instructional value, and are some of the most readable variation-heavy books I've ever come across. A great deal of this latter factor is facilitated by the superb layout and design. Variation diagrams are always given in a slightly but noticeably smaller board size than those that follow the main game continuation, and actual game moves are distinguishable by bold font as per common modern practice. This all helps to make the often exhaustive variation sections easy both to skip through and locate.

The author often details entire ancillary games or positions (including those of other players and sometimes more than one) that illustrate a point he is making relevant to the treatment of a particular strategic or tactical idea in the main game. These comparisons are invaluable and well chosen. Nothing new here in that regard, but again the depth of all of this is substantial. Improvements to players' moves (including Karpov's) and discussion of more modern treatment of theory in the older games permeate the books. If studied conscientiously all the way through, one emerges with a better sense of Karpov's methods and their evolution over time. Not an easy task with such a player, but Karolyi pretty well nails it.

The author's prose is clear and concise, interesting, and quite readable. Karolyi imparts much in the way of useful nuance to the reader with his obvious pedagogical gifts. There is plenty of descriptive commentary. It's ever-so-slightly dry in style; not Bronstein or anything. They are on the whole heavy on objective factors with just enough easy moments of subjectivity or historical addenda to make them just the kind of books this chess lover loves. The game selections are great, with both known classics and many I don't have elsewhere.

The books are solidly bound and open flat with no damage to the spine. They use fine paper and a clear, comfortable font. Production quality is very high indeed. In dimensions, the (softcover) books are roughly the same size as the more popular Gambit books (Watson's "Secrets of Modern Chess Strategy," for instance, but denser and heavier). They have an excellent hand feel because of the smooth, cool material used on the cover. The only negative I can think of regarding the physical objects is that the ink has a pretty obnoxious and unusual industrial odor when bought hot off the press.

This is that rare set that is as brilliant as its subject. These volumes should only further cement Karpov's legacy among the very top of the greats in our times. The whole project is ambitious on the part of Mr. Karolyi, and I'm thrilled to have it in my library. A+. Very highly recommended.

3 of 5 people found the following review helpful.
Positional Chess at its Best
By fadertrader
This is a great book. Book 1 is also. Karpov was a positional chess genius. I highly recommend this book to anyone

0 of 1 people found the following review helpful.
Five Stars
By Steve Sturgill
Great book great seller!

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All types of organisations have recognised the growing demand for open and flexible learning programmes. With the increased emphasis on new ways of learning, and the rapid move towards open and online courses, this practical guide will help those involved overcome the challenges they face. This guide provides user friendly advice and support for those currently involved with open learning and those considering it for the first time.
500 Tips for Open and Online Learning aims not only to save you time but also to enhance the quality of the learning experience which learners will draw from open and online learning. The book is divided into six sections which cover:
* What is Open and Online Learning, why use it and how?
* How to set up Open and Online learning programmes
* Designing new resource materials
* Putting technology to work
* Supporting open learners
* Assessing open learning
This practical book will be an invaluable resource, providing immediate and accessible help to the increasing number of people now under pressure to design, support and deliver open learning programmes. This book will appeal to tutors, trainers, managers of learning resource centres and curriculum developers who are already involved in, or thinking about starting to use, aspects of open learning.

• Sales Rank: #5498172 in Books
• Published on: 2005-01-15
• Original language: English
• Number of items: 1
• Dimensions: 9.18" h x .57" w x 6.34" l, .71 pounds
• Binding: Paperback
• 200 pages

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