Beating Broke

Personal Finance from the Broke Perspective

Street Smarts

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Street Smarts: Beyond the Diploma
By: Jim Randel

Often, when we’ve “grown up” and graduated college, we all move on to our new lives as adults with the expectation that our schooling has given us everything we’ll need to be prepared for the wide world ahead of us.  And, just as often, we are disappointed.  While school has the advantage of preparing us for the work part of the world; we can all read, write, and do most arithmetic; we are usually very unprepared for the subtle nuances that take place that will give us a step up on the ladder of success.

Jim Randel, if you’re unfamiliar with him, is the author of the Skinny On series.  I’ve reviewed a few of those here before, which, I would guess, is why his company sent me a copy of this book.  (That’s my disclosure, folks.  I was sent a free copy of the book.)  What he’s done with both the Skinny On series and this new book, Street Smarts, is to take some very complex issues, and simplify them enough that you can get the basics without having to knock your head against the wall trying to understand them.  Street Smarts holds 125 lessons on how to better succeed in the real world.  Each lesson is short, to the point, and valuable.  There’s very little chaff to sort through, and it’s an easy and fast read with some rereading value.

One thing you won’t find inside it’s pages is explicit detail.  There is not, for instance, 20 pages on the mathematics behind the rule of 72.  There also is not 100 pages or more on the workings of a mortgage loan.  Each is it’s own lesson, and is two pages.  You’re not going to learn everything there is to know about any of the topics by reading this book.  What you will get is the highlights that will allow you to safely navigate the topic without causing yourself too much trouble.

The book is also paired with a website where they’ve been putting up regular fresh content.  It’s already got quite the archives of good tips and information.  You can visit it at TheStreetSmartBook.com.

This book would make a great gift for a newly graduated senior, of high school or college.

Saving Money with PaperBackSwap

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I like to read.  A lot.  Not as much as some people, but I still manage to read somewhere between 30 and 40 books a year.  As you can imagine, that gets a little bit expensive if you’re paying full price for all of them.  Swapping and borrowing books only gets you so far if you limit it to the people you know directly.  But, that’s where a fun site called PaperBackSwap comes into play.

Here’s how it works.  You post the books that you want to trade away.  Other users request those books and you ship them off.  You can either print the postage directly through the site, or buy it anyway you like.  Personally, I use paypal shipping because it’s slightly cheaper, and, I already have the account at paypal to do that.  Once you’ve shipped the book, or books, off, you merely wait for them to be received.  Once received, the person you sent them to marks them as received and you get a credit.

Save Money with Paper Back SwapWith your credits, you can then request books from other members.  (note: the first person from your household to sign up for PaperBackSwap gets two free credits when they list 10 books) Then, it’s just the same process, but with you being the receiver rather than the sender.

I’ve been a member since 2009.  I’ve sent 71 books out, and I’ve received 59 books.  I’ve only had one of the books that I sent disappear in postage, and one other that was damaged in postage.  Every other book I’ve sent has safely gotten where it was going and was accepted by the receiver.  The same is true of receiving books.  I’ve never had one get lost, and only had one that was damaged.  It’s a great community of readers, and a great source of books.

The selection of books is usually pretty good.  As you would expect, most of the newer books are a bit hard to get, but you can throw them on your wish list and the system will email you when one becomes available.  If one on your wish list becomes available, you’ve got two options.  The default is that PBS will put it on a 48 hour hold while it waits for you to either request it or decline it, or you can put it on auto-request which will automatically request it from the other member as soon as they list it.

If you’re an avid reader (or, really, even a more casual reader) you really should check out PaperBackSwap.  It’s  great, frugal, way to get books to read, and a great way to share great books with others too!

The Skinny On Time Management

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The Skinny On: Time Management

By: Jim Randel

I recently did a review of The Skinny On: Credit Cards, by Jim Randel.  This book came along with that one and several others.  Disclosure: The publisher sent them to me for review.

As any of the other Skinny On books, this one is short and to the point.  Randel wastes none of your time filling you with fluff.  Instead, he breaks down several much more complex time management systems, adds a few things of his own in, and then presents it in a stick-figure laden slide show of a book.  Having read most of the books that he talks about previously, most of the information was merely a review.  The few things that Randel added in of his own were minor.  What I really liked about this book is that it can act as a quick and easy refresher of the principles that I’ve learned elsewhere.  If it were my first book on time management, I might feel a bit differently, and it might have been much more educational.

I did like it, though.  And it’s probably one that I’ll keep around to reread every once in a while for that reminder factor.  And since it’s nice and short, I don’t have to worry about taking a whole lot of time out of my schedule to reread any of the longer time management books that I have read, just a quick read through this one.