Minggu, 03 Januari 2010

[Y960.Ebook] Ebook Download FLAT BROKE? How to Get Back on Your Feet, Fast!, by J.J. Luna

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FLAT BROKE? How to Get Back on Your Feet, Fast!, by J.J. Luna

FLAT BROKE? How to Get Back on Your Feet, Fast!, by J.J. Luna



FLAT BROKE? How to Get Back on Your Feet, Fast!, by J.J. Luna

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FLAT BROKE? How to Get Back on Your Feet, Fast!, by J.J. Luna

If you've just lost your job, your savings, or your home, this book will show you the way back. First, read a special book first published back in the 1930s but still available on Amazon. Next, raise some immediate cash in one of two ways. Last but far from least, seriously consider a move to greener pastures.
The author is JJ Luna, author of the best-selling book on personal privacy, HOW TO BE INVISIBLE. Luna says he has never been “poor,” but admits to being fired from a number of jobs when he was young, and running completely out of cash in 1949, 1953, 1974, and (hopefully for the last time!) in 1979.
“Losing your home or your job may be a blessing in disguise,” he says, remembering his own experiences and those of his friends. “Your best years may be yet to come.”

  • Sales Rank: #92590 in eBooks
  • Published on: 2013-03-10
  • Released on: 2013-03-10
  • Format: Kindle eBook

Most helpful customer reviews

22 of 23 people found the following review helpful.
Clear, succinct, to-the-point and filled with actionable items and counsel
By Dr. Black
"Flat broke? How to..." What a clear title. It gives the reader exactly what they can expect to find in the book, and in this case Mr. Luna delivers.

Mr. Luna grew up in the depression of the 1930s and reading this book is like listening to a wise grandfather spill his secrets. There is sage advice on everything from what kind of car to drive (and how to obtain it and use it for virtually "free" when everything is said and done) to how to stop worrying and start living, which incidentally is the title of Chapter Two as well as the classic book by author Dale Carnegie.

* Chapter 1 The Story Of Homer Croy

* Chapter 2 How to Stop Worrying and Start Living

* Chapter 3 How to Survive the Loss of Your Home (anyone out there who can relate to this? Millions.)

This chapter contains a simple process that will allow you to assess and create solutions to solve virtually any problem that you are facing right now. Just as the most precious things in life are free: light, air, water (well...) some of the most powerful things are very simple. This chapter alone could pay for the book 1,000 times over.

* Chapter 4 How to Survive the Loss of Your Job

Here I have to mention another book of Luna's that I bought years ago entitled "Skip College..." I bought copies for some high-school aged family members that were contemplating college and would recommend that you get that book and read it right now.

In this chapter there is practical advice on HOW to sell and different ideas on where to go when you need to *find* work (an amazing book on HOW is Frank Bettger's "How I Raised Myself From Failure To Success In Selling:" that book and many others are responsible for my being in the Million Dollar club for 5 years straight when I was selling residential real estate. I also narrowly missed Rookie of the Year due to affiliating with my Broker about 2 months into the fiscal year, which was beyond my control. I woulda won ;) )

* Chapter 5 How to Raise Some Immediate Cash

'Nuff said

* Chapter 6 Plan for the Next Two Years

VERY VERY good book recommendations in here, along with other EXCELLENT advice. Also, if you can believe this: information on how to divorce-proof your marriage. For real.

* Chapter 7 The Good News About The Bad News

An excellent summarization of the book.

Mr. Luna's writing style is straight-forward, practical and rife with anecdotes and illustrative stories. I'll also say that he's funny! I took lots of notes and highlighted a ton of information on the Kindle. Well, tablet. ANY tablet can be a Kindle: Amazon is very smart.

So is Mr. Luna. Enjoy!

17 of 19 people found the following review helpful.
Jack's typically straightforward advice
By William G. Ryan
Full Disclosure - I've been a huge Jack Luna fan for at least 12 years now and I got a special deal on this book. With that said, I'd definitely recommend it especially considering the price.

So reading Luna's books is reminiscent many ways of listening to Dave Ramsey or listening to sage advice from a grandparent. There's no major secrets, no earth shattering revelations but very practical advice that gets right to it. If you read How to Be Invisible for instance, the writing is superb, it's compelling and makes you want to keep reading. This books feels slightly rushed and doesn't have the transitions or depth of Jack's typical books. on the other hand, he wastes no time and gets right to it. I know I've been very vague so far and am going to make another generic statement before getting to the point, but reading this book does have some immediate quick fixes however really fits in the context of a broad world view. Everything about it is pragmatic, adult and predicated upon taking full responsibility for your own life. Striving for immediate gratification and 'getting something for nothing' are two things you need to give up if you follow any of Luna's advice. On the other hand, if you get past ego, pride, keeping up with the Joneses and the like, his advice is wonderful. There are, at the risk of sounding cliche, laws of nature or the universe and they don't change b/c of your needs, wants or desires. If you for instance, take a loan out to buy a car, you are giving up a certain degree of freedom & privacy and adding stress and obligations to your life. If you are ok with the tradeoff it's certainly your right to take that deal, but you simply have to acknowledge that by borrowing the money, you're giving up a few things.

If you want a house that is a showplace or something you can brag about, it comes with a mortgage (or if you have the money to pay cash, it comes with a reduction in your liquid assets). Having large fixed costs can be very stressful and limit your freedom to do other things. On the other hand, if you get rid of your house and are willing to live in a mobile home, you can put a shelter over your head and use the difference in money for other things. If you're extremely broke, a mobile home (which he has as a recommendation) may be the difference between having your own place and having to live with someone else. I had several coworkers that bought really expensive homes in the height of hte bubble. In these cases, they had homes that were probably 10-20x more expensive than they could realistically afford. In several cases, they went into further debt trying to decorate the homes they couldn't afford in the first place. Some of them threw big housewarming parties where everyone was impressed with their homes. then the bubble burst, a few lost their jobs (or had spouses lose jobs) and their dream homes became a nightmare. They put everything they had into keeping the houses but eventually lost them. And in each case, they got progressively more depressed as they tried to hold on to the place. Once they lost it, realized it wasn't the end of the world, got out of the huge payments, their pride healed and they eventually viewed losing the house as the best thing that happened to them. While I completely sympathize and understand how this happens, there's little doubt that it was false pride and inflated sense of other people's opinions that kept them on the hamster wheel. They couldn't NOT decorate the house with expensive furniture. They *had* to have enough room for the family. They *had* to live in a certain school district. Then the laws of the universe came into conflict with them and they realized all these 'have to's 'were not real at all. At the time many convinced themselves its what was best for their families, then realized that it was precisely this purchase that was causing excessive stress at homes, caused them to miss time with their families b/c they had to go into overdrive paying for it - put them in bad moods b/c they were constantly worried. Ditto for cars (one person I know 'had' to buy a Hummer H3 for the 'safety' of their two kids. The day after the purchase, their spouse had a vehicle repossessed. They are still bouncing day care checks to pay for the Hummer, which was bought exclusively for the 'benefit and safety' of their families. depending on your age, you may not even remember all the cars you had at first thought. As important as it was back then, you may not even think about it now. That'll be the case with a car now. buying a car with excellent safety features may be desirable, but that's not why Hummers and luxury cars are sold. And you can more than offset risk of death in a vehicle by just driving more safely. The point however is about the fact that a cheap car gets you there just as well as an expensive car in just about every case (assuming the cheaper car runs- i'm not saying a junker == highly reliable car). There are even times and places you can get away without a car at all and save yourself tremendous money. But you need to let go of the belief that your car, your house, your possessions = your self worth - and that's really the overriding principle of much of these chapters.

George carlin has a comedy bit about the accumulation of stuff. If you look around your house (of course it varies from person to person) you'll no doubt see many things there that you don't need or use. You may come up with many reasons to keep it - some of which might be valid, some of which might be pure emotion. There are storage facilities full of stuff (think Storage Wars) that people put things in but can't afford. Frequently, they pay more money to store the stuff then the items are worth. It's also a well documented human trait that we overestimate the value of our own things. Again, look at Storage Wars or any Pawn Reality show and what you see (at least from the small snippets I've seen) is people expecting something to have a much higher value than what others have for it. Whatever the real value, it's very likely that you have many things you no longer need or use and are holding on to for some emotional reason. That's your prerogative but if you're running low on money, one way to get positive cash flow coming in is to sell some of your stuff. Some of it will be worth much less than you think, you may get lucky and find out its worth more than you realize. but think about this - take any item in your house that you don't use that you believe has a certain level of value. You likely reason "I'll need it someday" or come up with some other reason to keep it. If you knew that the item was worth say 1/100th of what you currently think it is, youd' likely be much less inclined to keep it. Selling stuff not only makes space in your house and reduces clutter but brings in money.

Another recommendation he makes is about taking odd jobs or freeing yourself from limiting beliefs about what will make money. I've heard people call into Dave Ramsey's show (not even a big Ramsey fan - just hear him on the radio pretty much every day) and come up with all sorts of reasons why they 'can't' take a pizza delivery job or some other 'unskilled' means of making money. one person said "It would reflect poorly for a professional of my status to be seen doing it and it would actually cost me money in the long run." At the same time, missing payments costs you money. Missing payments costs you in intangibles as well by lowering your credit worthiness or credit lines. There are tons of other costs. once you start removing limitations on what you can do to make money, the more you see opportunity and the more doors that will open for you. By way of analogy, back in college I heard a professor make a point about successfully jumping a gulf of 5 feet. in his example, he said "Let's say objectively speaking, you did possess the physicality needed to make the jump, but only if you fully exerted yourself, only if you really put everything you had into the jump. If you only applied 95% of 90%, you'd fall short. If you just were doing it for some indiscriminate reason, you might hesitate before making the jump, putting in < 100% into it and you'd thereby fall short of the jump. If you had some rabid dog chasing you or some other life or death reason to make the jump, you wouldn't have the luxury of second guessing yourself, you'd just go at it with all your might and you'd be able to do it. You don't necessarily know what you're capable of and we often both overestimate and underestimate our abilities. (the professor was making the point to illustrate Self-Fulfilling prophecies). In any case, when you have nothing to lose, your mind is open to opportunities. If you're CPA or lawyer, you can convince yourself a pizza delivery job may come back to actually harm or disadvantage you. If you're completely broke and have no food, then you look at it as though you have nothing to lose. You see opportunities you'd otherwise ignore. This is the crux of his chapter on "How to survive the loss of a job."

At the end of the day, the book is about letting go of limiting and self-defeating beliefs. You first need to acknowledge many of these beliefs aren't real, or that even where they are, they aren't as pronounced as you have come to believe. Letting go of these beliefs opens up countless doors for you. If you can afford to keep these beliefs, then it's your right and privilege to hold on to them. but if you find that you can't afford them anymore, letting them go will be the quickest and most permanent fix to what ails you. Sometimes, you just need to hear another person say it out loud - and that allows you to accept what you know to be true all along but don't want to necessarily admit. This book and Jack's other ones serve that purpose. Even if your finances are great it's a very sober look at one's life and values and whether your drowning in riches or drowning in debt, you can get a lot from this book. If your finances are great, it will be a refreshing look at many things that potentially worry you and keep perspective on how to stay well off. If you're broke and worried to death about money, it will reinforce the notion that you're not helpless and there's a lot you can do. Either way, this book is well worth the price - my only gripe is that I wish it' would be a lot longer - but every fan says that they want more from their favorite authors.

9 of 9 people found the following review helpful.
An Attitude...
By Robert Kimbrell
At some time or another we are all, "down on our luck" or even in dire need, so it can be imperative to have a tool such as this book to keep us on a constructive path to dealing with the situation. This short book begins, as I expected, with common sense applications. Soon however, I realized the value of the author's own experiences and practical knowledge. For much of the book I thought of times in my past when I didn't have a buck to my name. As in Mr. Luna's case, I am better for those times, but the fact that I was knee-deep in the pile of it kept me from dealing with things in a better way.

So what is a person to do do when you have no way to turn? When it seems you cannot eat, or when the heat is about to be shut off; whatever your situation, this book can assist you because of the theme I sensed throughout: ATTITUDE.

Not only are there real steps you can take when you seemingly have no alternatives left, but there is a prevailing attitude. That attitude is perhaps the bigger, underlying message. Be able to look objectively at your mess. Then combine the know-how with the right attitude and be able to rise above the mess.

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