Category: Giveaway

Guest Author STEVEN W. KOHLHAGEN showcase & giveaway ENDED

WELCOME STEVEN W. KOHLHAGEN


STEVEN W. KOHLAGEN

Steve Kohlhagen is a former, now retired, Economics professor at the University of California, Berkeley, a retired Wall Street investment banker, and is on several corporate boards, most recently elected to the board of Freddie Mac. While at Berkeley he authored many economics publications, and he and his wife Gale jointly published the murder mystery “Tiger Found” under their pen name Steven Gale in 2008.

Kohlhagen was inspired to write his latest book “Where They Bury You” after reading Hampton Sides’ “Blood and Thunder,” a non-fiction history of Kit Carson and the West. Sides’ reporting of the factual murder of Marshal Joseph Cummings on August 18, 1863 led Kohlhagen to conduct further research on Carson and Cummings, including at the National
Archives. He also pulled from his own knowledge of the West, as the writer divides his time between the New Mexico-Colorado border high in the San Juan Mountains and Charleston, South Carolina.
Connect with Steven at these sites:

WEBSITE          TWITTER    

Q&A with Steven W. Kohlhagen

After a successful career in academia and on Wall Street, what made you want to write a historical fiction novel?
I love the West and I love murder mysteries. I read a passage in Hampton Sides’
excellent book “Blood and Thunder” (nonfiction) about the August 1863 murder of a U.S.
Marshal in the New Mexico territory that I felt Kit Carson had misreported. Intensive research led me to write this fictionalized historical account of that murder during the American Civil War, Apache Wars and Navajo War. I have a passion for truth that includes the injustices heaped on the Southwestern Indians, especially Cochise, and what I feel is history’s mis-characterization of the roles of Kit Carson and the Navajo themselves.

How does your living among the San Juan Mountains influence your writing and details of  “Where They Bury You”?
Coincidentally, the (white man’s) history of the area northwest of Santa Fe and Taos into south central Colorado essentially began at the time of Cummings murder. One hundred fifty years later, we live among the descendants of the Jicarilla Apaches, Utes, Navajos, ranchers, and explorers of our area. The appearances in the book of the original scout of this area, Albert Pfeiffer, are historically accurate, and we later discovered that he is buried about forty miles from our home.

A murder mystery based on a true story from the Western Indian wars, how did you wind up with a former prostitute and current poker dealer as the main character?
By accident. Given that the two historically accurate main characters were known
gamblers and womanizers, and that 1861 Santa Fe was basically a church surrounded by a
collection of bordellos, gambling halls, and saloons, it wasn’t much of a stretch to imagine a character like Lily Smoot who they would both know. The accident part was that she, literally, took the evolving story out of my hands and head, and took over the entire book. I was more surprised than the readers will be.

How did you bring factual events into the fictional story?
I started with the facts, the so-called “big story.” The characters were, in effect,
constrained by the historical facts of the Indian wars and the Civil War when the Texans arrived. In truth, we all—truthful and fictional characters alike—are living our lives constrained by the general thrust of history that we are caught up in.

ABOUT THE BOOK

In August 1863, during Kit Carson’s roundup of the Navajo, Santa Fe’s Marshal is found dead in an arroyo near what is now the Hubbel Trading Post. The murder, and the roughly million of today’s dollars in cash and belongings in his saddlebags, is historically factual. Carson’s actual explanation is implausible.

Who did kill Carson’s “brave and lamented” Major? The answer is revealed in this tale of a group of con artists operating in 1861-1863 in the New Mexico and Arizona Territories. As a matter of historical fact, millions of today’s dollars were embezzled from the Army, the Church, and the New Mexico Territory during this time. In this fictionalized version, the group includes a Santa Fe poker dealer with a checkered past claiming to fall in love with one of her coconspirators, and the historically accurate duo of the Marshal of Santa Fe and the aide de camp of the Territories’ Commanding General. It is an epic tale of murder and mystery, of staggering thefts, of love and deceit.

Both a Western and a Civil War novel, this murder mystery occurs in and among Cochise’s
Chiricahua Apache Wars, the Navajo depredations and wars, Indian Agent Kit Carson’s return from retirement, and the Civil War. The story follows the con artists, some historical, some fictional, during their poker games, scams, love affairs, and bank robberies, right into that arroyo deep in Navajo country

BOOK DETAILS:

Genre: Historical Fiction
Published by: Sunstone Press
Publication Date: September 2, 2013
Number of pages: 344
ISBN: 978-0-86534-936-0

PURCHASE LINKS:

        

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HAVE ONE (1) EBOOK TO GIVE AWAY.
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ADDENDUM
I do not have any affiliation with Amazon.com or Barnes & Noble. I am an IndieBound affiliate. I am providing link(s) solely for visitors that may be interested in purchasing this Book/EBook.

 

Guest Author REBECCA YOUNT showcase & giveaway ENDED

WELCOME BACK REBECCA YOUNT

REBECCA YOUNT

Rebecca Yount is a native-born Midwesterner who always had a desire to travel. Now in a third professional career as the author of the Mick Chandra mystery series, she and her husband arrange free home exchanges in England, Scotland, and France. The Mick Chandra books take place in England.

In ebook format, the first three books of the Mick series are available from all major vendors. They have garnered 4, and mainly, 5-star reviews. There are currently 7 books in the Mick series, with #8 on the way. She can be reached at: RebeccaYount.com and Rebecca Yount author.
Connect with Rebecca at these sites:

WEBSITE         

GUEST POST

UNEARTHING THE TREASURE:

Why I Love The Ravenhoe Cauldron

 When I was a child, nothing excited me more than the prospect of a visit to the Ohio Historical Society Museum.  In the 1950s and 60s, waterparks and such were rare in central Ohio. So if we wanted to do something special, we had to seek other amusements. That might entail a double feature at the movies, a walk in our lovely county park, or a pick-up baseball game in an open field. But the crème de la crème of outings was a day at the museum.

My friends and I had different reasons for loving the museum, but we all agreed on one thing: the mummy was the star.  Yes, the mummy.  One.  That was all the collection could boast at the time.  But, boy, was she a doozy!

To this day, I remember being transfixed by her slender figure, her long, black tapered fingers peeking out from the linen wrappings, and her disproportionately large feet. I don’t remember her name, but she was the 19-year-old daughter of a prominent high priest.  Her contemporary portrait, displayed above her sarcophagus, revealed the full-body right profile of a beautiful young woman, a single bare breast exposed.  My, how the boys hooted over that.

But I had other priorities.  This centuries-old deceased young woman inspired me to fall in love with archeology.

As a 10-year-old, I dramatically announced to my redoubtable father, “One day I’m going to become an archeologist.”

“Oh, yeah?  Spell it,” he challenged me.

I did.  Correctly.

It was not to be.  Instead, I devoted some twenty+ years to being a concert pianist and then, in order to eat and pay my rent, worked in education policy development in Washington, D.C.  On early retirement, I fulfilled another dream: I became a fiction writer.

So, by way of a long introduction, this is where the third book in my Mick Chandra mystery series comes in: The Ravenhoe Cauldron, my favorite among the completed seven.  Why?  Because the story centers on archeology.

Some years ago I had intended to write a novel for young adults that featured an ancient Celtic setting.  But I just couldn’t get it to come together, so I put that project aside.  However, I had already completed a considerable amount of research for the book.

As I added books to my Mick Chandra mystery series, I stumbled upon an idea to write an installment in which Mick and company must find a missing 2,000-year-old gold Celtic ceremonial cauldron that was stolen from a local museum in Colchester, England.

Eureka!  Talk about mining gold. I was able to finally use all of that research about Celtic culture and history that I had previously set aside.  As I wrote The Ravenhoe Cauldron, it was apparent that I was vicariously living my childhood dream of being an archeologist.  When the fictional diggers mine the pits for Celtic artifacts, I’m right there with them, digging away as well.

I had great fun researching the book at the archeological site in Colchester.  Also, it was fascinating to conduct further research at the Colchester and British Museums.  Both collections feature a wealth of Celtic artifacts, many rendered in solid gold.

The Ravenhoe Cauldron also addresses two additional intriguing topics: the antiquities black market and fake busting.  Both of these I had to learn from the bottom up, which involved a massive amount of additional research.

The sale of stolen antiquities ranks among the top four most lucrative international crimes. And there are only a handful of credible fake busters in this world who can detect the real from the forgeries.

Here’s where good research enriches a story.  What is one way a fake buster can detect ancient gold as opposed to newer gold?  By tasting it.  Gold, unless it’s absolutely pure, contains a certain amount of copper and other impurities.  Over time the combination of these impurities can cause slight corrosion. Therefore, the older the gold the more coppery-metallic the taste. Experienced goldsmiths refer to this taste as “sour.”

Jamie Geller, Mick’s undercover agent, makes the mistake of tasting the gold on an artifact that a dealer is trying to fence.  By doing so, he gives himself away as an agent for the police.  Typically, collectors of stolen antiquities want a fast deal and mistakenly assume authenticity.  As Thomas Hoving, one of the world’s most sought-after fake busters, wrote: “Need, speed, and greed” are paramount in the illegal antiquities trade.

I have come to appreciate that writing fiction is not unlike digging for treasure.  As I write, I am excavating amazing discoveries.

So it would seem that I have become an archeologist after all.

ABOUT THE BOOK

The garotted corpse of Stanislaw Janus, a notorious antiquities thief and forger, is discovered in an excavation pit at an archeological site near Colchester, on England’s east coast. A former curator of pre-Roman British artifacts at the British Museum, Janus had turned to crime and was fencing forgeries on the international antiquities black market. Just before his murder, Janus had engineered the theft of the priceless Ravenhoe Cauldron from the Colchester Museum. The nearly 2,000-year-old solid gold vessel had been unearthed by archaeologists …… in the very pit where Janus’ corpse was discovered.

Despite being on parental leave to care for his four-month-old daughter, Detective Inspector Michael “Mick” Chandra is put in charge of the case, his family leave suspended by New Scotland Yard’s commissioner. Mick must find Janus’ murderer as well as locate the missing cauldron, but his task will not be easy. Interpol reveals that Janus assumed multiple identities and remained maddenly out of the reach of law enforcement agencies. Nathaniel Wyatt, his former colleague at the British Museum, describes Janus as the “Steppenwolf” — charming one minute, vicious the next.

Mick calls upon the Yard’s Arts and Antiquities Unit for help in this complex case and as it turns out, he will need all the help he can get, as the case becomes increasingly fraught with danger and risk.

A diverse cast of characters illuminates and obscures Stanislaw Janus’ past: Dr. Cassandra Palmer, Chief Curator of the Colchester Museum, who had known Janus for more than a decade; Dr. Gill Metcalf, director of the archeological dig who openly disdains Janus; Alissa Woo, Metcalf’s beautiful graduate assistant, who originally discovered the cauldron at the Colchester site; Nathaniel Wyatt, Janus’ former colleague, who believes the cauldron will never be recovered; and Anderson Peale III, noted wealthy collector of Celtic artifacts, who may not be as reputable as he seems. Added to this cast is Janus’ star-crossed mistress, Regina, who passes onto Mick her lover’s personal diary.

Familiar faces from the two previous Mick Chandra books return as well: Jessica Beaumont, the American-born pianist who is now Mick’s wife; Mick’s friend and chief informant, Jamie Geller; and Mick’s no-nonsense partner, Sergeant Elizabeth Chang.

And then there is the mysterious rust-encrusted key sent through Mick’s home mail slot bearing a note that reads: “The key to the Ravenhoe Cauldron.”

BOOK DETAILS:

Genre: Crime
Published by: Self
Publication Date: June 30, 2013
Number of Pages: 401
ISBN-13: 9781467559348
ASIN: B00DQCUKTU

PURCHASE LINKS:

     

THANKS TO CAITLIN AT CAITLIN HAMILTON MARKETING & PUBLICITY,
I
HAVE ONE (1) EBOOK TO GIVE AWAY.
EBOOK–OPEN TO ALL
FILL OUT RAFFLECOPTER ENTRY FORM BELOW
GIVEAWAY ENDS SEPTEMBER 5th AT 6PM EST

WINNER WILL BE CHOSEN BY RAFFLECOPTER AND NOTIFIED
VIA EMAIL AND WILL HAVE 48 HOURS TO RESPOND
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I received a copy of this book, at no charge to me, in exchange for my honest review. No items that I receive are ever sold…they are kept by me, or given to family and/or friends.
ADDENDUM
I do not have any affiliation with Amazon.com or Barnes & Noble. I am an IndieBound affiliate. I am providing link(s) solely for visitors that may be interested in purchasing this Book/EBook.

 

And the winners are…….

…….of Revenge and Ruthless by Debra Webb

CONGRATULATIONS!!


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An email has been sent to the winners and they have 48 hours to respond or another winner will be chosen.  Thank you to all that entered.

Guest Author CAROL E. WYER showcase & giveaway ENDED

 

WELCOME BACK CAROL E. WYER

CAROL E. WYER

After completing a degree in French and English at Keele University, Carol Wyer became a language teacher in Casablanca, Morocco. She ran the EFL department at a private UK school (a non-magical Hogwarts), set up Language 2000 Ltd, teaching a variety of languages, including basic Japanese, and translated documents. Recurring medical problems forced her to give up teaching and become a fitness instructor. Thanks to older age, she now writes novels, articles and books that poke fun at getting older. Known for her light-hearted take on life, Carol has written two award-winning novels and now also tours giving talks on how to age disgracefully.
Connect with Carol at these sites:

WEBSITE          TWITTER    

ABOUT THE BOOK

Is your Grumpy Old Man getting under your feet? Is he wrestling with retirement? Are you wondering if you should bundle him up and entrust him to basket-weaving classes? Then this book could be the answer to your prayers. This light hearted guide is packed full of lively ideas, anecdotes and quips. Not only does it set out to provide laughs, but offers over 700 ideas and ways to keep a Grumpy Old Man occupied. From collecting airline sick bags to zorbing, you will be sure to find an absorbing pastime for your beloved curmudgeon. There are examples of those who have faced extraordinary challenges in older age, fascinating facts to interest a reluctant partner and innovative ideas drizzled, of course, with a large dollop of humor. Written tongue-in-cheek, this book succeeds in proving that getting older doesn’t mean the end of life or having fun. It provides amusing answers to the question, “How on Earth will my husband fill in his time in his retirement?” It offers suggestions on what might, or most certainly might not, amuse him. Ideal for trivia buffs, those approaching retirement, (or just at a loose end) and frustrated women who have an irritable male on their hands, this book will lighten any mood and may even prevent the odd murder.
Read my review here.

Read an excerpt
Without further ado, let’s look at the abundance of activities that your Grumpy can enjoy beginning with the letter A.
Introduce your Grumpy to the absorbing and completely time-consuming hobby of aviation, particularly aeroplanes.
First, get him a copy of Top Gun (or any good film about flying) to whet his appetite. Next, purchase a trial flying lesson. He’ll love it. Honestly, he will. Don’t be mean though, and get him an aerobatic flight. He’ll come home a horrible pasty shade of grey, and you’ll never get him to agree to that holiday to Alicante you hoped you could take next year.
Once he has “the flying bug”, ensure he signs up for flying lessons. Now, you’ll have to make some serious economies to fund this new hobby, and you’ll have to forget that holiday to Alicante for a while, but it’ll be worth it. He’ll soon transform into a new man, and which one of us wouldn’t fancy a Tom Cruise-a-like coming home after a long day up in the clouds?
Flying doesn’t just keep these Grumpy Old Men out of the house for an hour or two. Oh no, they have to get to the airfield early to set up, have a pre-flight briefing, a couple of cups of coffee and some cake, chat to their mates and ensure they have planned a route. Then, there is the actual flying, followed by a debrief, and the obligatory drink at the pub to recap the entire flight.
There are exams to be taken and much studying to be done. Many a night will be spent sitting at the dining table with pencils in their mouths, as they attempt to learn the principles of aviation law or meteorology. You’ll be able to relax on the settee and watch all those soaps without any dark muttering coming from the other end.
You may find that you will need to learn the phonetic alphabet though, just to show willingness and give him a hand. Let me assist you by starting with: Golf, Romeo, Uniform, Mike, Papa, Yankee.
If you can’t interest him in this particular hobby, then you could try him with a remote-controlled aircraft. This is the best of both worlds.
He can fly his aeroplane without taking examinations, wherever he fancies, and it won’t cost a fortune. There will be more about remote-controlled vehicles later.
Last but not least, you could offer him the chance to do some plane spotting. This is obviously the cheapest option, and can be enjoyed at the airport or in your back garden if you are fortunate enough to live under the flight path.
If he decides on the latter, you’ll be able to book that trip to Alicante. After all, he’ll see plenty of aeroplanes.
What do William Tell, Robin Hood, and Cupid have in common? The answer is archery or toxophily as it is also called. (You might need that piece of information for a pub quiz.)
Archery is one of the most ancient sports known to mankind. In ancient times and the medieval period, this activity was used for protecting people from enemies and for hunting wild animals. Today, it is regarded as a recreational activity or sport, and is looked upon as a way to improve concentration, mental strength, and precision … where was I?
Oh yes, sorry, I was thinking about Kevin Costner in the 1991 film Robin Hood: Prince of Thieves and got distracted. Today, two forms of archery are prevalent: target archery and field archery.
Sign your fractious man up for lessons and watch him improve, along with his game. Word of warning: don’t let him place an apple on your head “for practice”.
Question: What did the lustful maiden say to the handsome archer?
Answer: You make me quiver.
BOOK DETAILS:

Genre: Non-Fiction, Humor
Published by: Safkhet Publising
Publication Date: 1st June 2013
Number of Pages: 106

PURCHASE LINKS:

              

THANKS TO AUTHOR, CAROL E. WYER,
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HAVE ONE (1) EBOOK TO GIVE AWAY.
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I received a copy of this book, at no charge to me, in exchange for my honest review. No items that I receive are ever sold…they are kept by me, or given to family and/or friends.
ADDENDUM
I do not have any affiliation with Amazon.com or Barnes & Noble. I am an IndieBound affiliate. I am providing link(s) solely for visitors that may be interested in purchasing this Book/EBook.

 

And the winner is…….

…..of Wink by Eric Trant

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18 Rita H (My Home of Books) Be a Public Follower of ‘CMASH Loves to Read’

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Guest Author DR. JOSEPH WENKE showcase & giveaway ENDED

WELCOME DR. JOSEPH WENKE

DR. JOSEPH WENKE

JOE WENKE is an outspoken and articulate LGBTQ rights activist. He is the founder and publisher of Trans Über, a publishing company with a focus on LBGTQ rights, free thought and promoting equality for all people.  Wenke is the author of Mailer’s America and You Got to be Kidding! The Cultural Arsonist’s Satirical Reading of the Bible. His next book, Papal Bull: An Ex-Catholic Calls Out the Catholic Church, will be published this fall along with his first novel, The Talk Show.

Wenke began his career as an editor at the Foundation Center in New York City.  He was a speechwriter at Avnet for Tony Hamilton, the founder of the global electronics distribution industry, and wrote speeches for George Conrades, the head of IBM U.S. As a senior vice president at Caribiner International he served as the company’s lead communications strategist and head of global accounts.  He partners with Gisele Xtravaganza in Gisele New World, which produces events for the ballroom community. Wenke is the owner and managing partner of Xperience, a multi-million dollar marketing communications and production company with offices in New York, Boston and Detroit.

Wenke received a B.A. in English from the University of Notre Dame, an M.A. in English from Penn State and a Ph.D. in English from the University of Connecticut. He is a columnist and frequent contributor to the Huffington Post.
Connect with Dr. Wenke at these sites:

WEBSITE        TWITTER   

ABOUT THE BOOK

When it comes to the Bible, author, satirist and cultural arsonist Dr. Joe Wenke has a lot of questions. Why did God turn Lot’s wife into a pillar of salt? Were there no other seasonings available? How come no one noticed that Samson’s hair grew back and he was super strong again? Who lost Jesus’s baby book? The story of the Devil tempting Jesus—did the Devil or Jesus report it? And why does the Holy Spirit like to show up as a bird?

As irreverent as the musical The Book of Mormon, YOU GOT TO BE KIDDING! THE CULTURAL ARSONIST’S SATIRICAL READING OF THE BIBLE (TransÜber, LLC; November 2012)  is an engaging, provocative and often hilarious investigation into the bestselling book of all time. Written to “cause trouble” and provoke deeper thought during a time when religious fundamentalism is gaining strength around the world, Wenke, a marketing executive, former corporate speechwriter and keen observer of human gullibility, lures readers out of their mental closets and tempts them to more closely examine the stories they think they know about the Bible.

Drawing upon the same pool of incendiary and cerebral humor as Bill Maher, Jon Stewart and the late, great George Carlin, YOU GOT TO BE KIDDING! follows a trail of talking angels, fratricidal siblings, divinely sanctioned massacres and surprised lepers from the Old to the New Testament pointing out the impossible, the illogical and the unrealistic. Among the stories laid bare, are:

  • Noah’s Ark: How big was that boat—and who cleaned up after the animals?
  • Jonah and the Whale: Just how does one survive being digested for three days?
  • The Three Wise Men: If they were so wise, why did they get lost?
  • Jesus, Miracle Worker: Where did Jesus learn how to perform miracles—at Hogwarts?

YOU GOT TO BE KIDDING! is a call for humor to restore our sanity and our ability to think for ourselves. Just as it was written in the Bible—or was it?

BOOK DETAILS:

Genre: Non Fiction, Humor, Religion
Paperback: 206 pages
Publisher: Trans Uber LLC
Publication Date: October 1, 2012
ISBN-10: 0985900202
ISBN-13: 978-0985900205

PURCHASE LINKS:

              

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I
HAVE ONE (1) COPY TO GIVE AWAY.
OPEN TO U.S. and CANADA RESIDENTS
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YOUR JAVA SCRIPT MAY NEED TO BE UPDATED
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I received a copy of this book, at no charge to me, in exchange for my honest review. No items that I receive are ever sold…they are kept by me, or given to family and/or friends.
ADDENDUM
I do not have any affiliation with Amazon.com or Barnes & Noble. I am an IndieBound affiliate. I am providing link(s) solely for visitors that may be interested in purchasing this Book/EBook.

 

And the winners are……..

….of Can’t Help Falling In Love by Bella Andre

CONGRATULATIONS!!


3 Maureen Carol Tweet about the Giveaway

7 Charlotte Be a Public Follower of ‘CMASH Loves to Read

An email has been sent to the winners and they have 48 hours to respond or another winner will be chosen.  Thank you to all that entered.

Guest Author GORDON BENNET BLEIL showcase & giveaway ENDED

WELCOME GORDON BENNET BLEIL

GORDON BENNET BLEIL

Gordon Bennett Bleil is a financial educator, former banker, bank consultant, entrepreneur, business executive and business owner. He has been a professor teaching in MBA programs and he holds an MBA in finance from the University of Southern California. Gordon hosted a radio show in finance entitled The Path to Financial Freedom and has authored courses in personal financial management. He is renowned for his ability to present complicated material so that it becomes simple and understandable.
Connect with Gordon on FaceBook:

GUEST POST

Budgeting 101

The mere mention of the word “budget” causes stress and anxiety in some people analogous to telling them that they would have to go to the dentist.  For some reason any mention of managing your money seems to be intimidating.  Maybe it’s because so many books approach budgeting as a rigorous and intimidating process.

But it doesn’t need to be that way at all. A budget is simply a spending plan to let you stay in control of your finances. If it is done correctly it can be an invaluable aid to help you meet your goals. A budget should be useful and flexible so that you will continue to see is a benefit rather than an impediment.

There are essentially six steps to preparing a good budget. Let’s explore them.

Step 1— Decide why you want a budget.
If you do not know why you need a budget it is useless to try to make one.  Many people make their first budget when they find out they are spending more than they are making and need to fix it.  Others want to save more for retirement. Whatever it is you simply need a goal before you start budgeting.

Step 2 — Gather data
You need to know what you are spending now and for what you were using your money.  This is often the toughest part of the budgeting process.  If you asked most people to reconstruct from memory what they spent the last month they would unlikely get closer than about 80%.

The importance of this cannot be over emphasized. One of the reasons for a budget is to identify money that is being wasted or spent unnecessarily. Money is very liquid so we may draw a parallel to water in a bucket.  If the bucket has a hole all of the contents will certainly leak out. We want to keep that from happening.

So for one month count  every penny you spend. Then at the end of the month add pro rata amounts for any expenditures which do not occur evenly each month.  Be especially careful with charge cards that you do not add the amount of the primary transaction and the amount on the credit card. If you do you will be double counting.

When this is done you should have a pretty accurate idea of where your money is going. You may have some surprises. At one money management seminar a lady who did this discovered she was spending $1700 a year in the company vending machines. Now there is nothing immoral in this but maybe it is not the best way to spend your money. Maybe she wanted to make some changes.

Step 3 — Organize the data
Raw data is not very useful.  So we have to organize it into categories. There are mandatory expenses, discretionary expenses, hybrid expenses, and escrowed ones.

Mandatory expenses are those which have to be paid before anything else can be paid. The mortgage payment is an example.

Discretionary expenses are those which can be suspended for an indefinite or short period of time. An example would be going to the movies.

Hybrid expenses are those which have characteristics of each of the previous two.  An example is the grocery bill. Some of the grocery bill is mandatory and some of it is discretionary.

Escrow expenses are monies which you set aside for bills that do not occur evenly throughout the year. An example would be your property taxes.

Now record the data into these categories. It is a good idea to record this information on columned paper with three columns so that you can make changes.

Step 4 — Analyze the data and propose changes
Now it is time to look at the data in some detail. For each item determine what you spent and what you would like to spend and put the amount in parallel columns. Then determine whether the amount has to go up or down.  Maybe you want to put more money into retirement and less money into eating out.

Obviously the amount of money going out has to equal the amount of money coming in.  If part of the money coming in is increased indebtedness you may want to consider correcting that.  Someday increased debt has to be paid back and that will increase still another category.

Step 5 — Calculate all of the changes you want to make
For all of the expense items simply determine any changes that you have to make.

Step 6 — Put your spending plan (budget) to work for you
How you do this is completely up to you. A few tips may help you out. Money for different purposes should be handled differently. Wherever possible mandatory expenses should be set up as an automatic debit to a checking account. Money for different purposes should also be physically separated. It can be in different bank accounts, or it could be an envelope system.

The envelope system works very well. You simply put the allocated amount of money for each category in a separate envelope. When the money is gone you stop spending. This way it keeps you from overspending for something you had not planned to do. Escrow money should not be mixed with the grocery or entertainment funds.

There are many sites on the Internet which can give you additional specifics on budgeting and systems to do so. All of the forms necessary for a budget can be downloaded free from the author’s website www.ptff.net.  Another thing that may be of interest to you is the Financial Freedom Risk Assessment quiz that can also be found on that web site.

ABOUT THE BOOK
Give Yourself a Raise is a complete how-to guide for finding more money to reduce the stress in your life and lead you to­ financial freedom. Suitable for beginners and professionals alike, it will lead you to more contentment about money!
Unique to this book are:
·      Financial Freedom Risk Assessment Quiz—take it and evaluate your own risk!
·      Goals made easy—the complete foundation for personal money management
·      Freedom Money Management System™—harness the power of electronic banking to organize your personal finances
You will also learn how to:
·      Control impulse spending
·      Eliminate family conflict
·      Get out of debt and stay out
·      Practice spending strategies to stretch your income
·      Stop wasting money
BOOK DETAILS:

Categories: Personal Finance-Budgeting, Personal Finance-Money Management
Paperback: 250 pages
Publisher: Elate Press
Publication Date: July 23, 2013
ISBN-10: 0988149184
ISBN-13: 978-0988149182

PURCHASE LINKS:

              

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