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David Bach’s “Start Late,Finish Rich”

On our recent trip to the Outer Banks, NC(OBX), I read or picked through David Bach’s “Start Late, Finish Rich” book. This Start Late, Finish Rich by David Bachbook really applies to me, because other than several small retirement accounts while teaching, I have zilch. I had a 401K, but needed to liquidate it several years ago when I was faced with hard times.

Recently, I came across Trent’s review of “ The Automatic Millionaire” on The Simple Dollar, and much like Trent was I was initially disappointed when I started reading “Start Late, Finish Rich”, because of similarities with “The Automatic Millionaire”, which I also reviewed, but no where near as extensively as Trent. I too was a little disappointed at first, however, then instead of reading the book cover to cover, I decided to pick through the book and read chapters that I thought looked like they might benefit me.

Some Things I got out of “Start Late, Finish Rich”.

Overall, I am still very pleased with “Start Late, Finish Rich”, even though there are many similarities to “The Automatic Millionaire”. But I suppose, if it was a good read once, it should be a good read twice.

Don’t be surprised to see more posts about events that will be derived from reading about these books, especially if Lizzie and I buy a new house within the next couple of months.

If you would like to benefit from David’s financial advice, visit my Amazon store and order a copy of “Start Late, Finish Rich” by clicking on the text link or by clicking on the picture of David Bach’s Book above.

Written by Pixelhead on June 3rd, 2007 with 22 comments.
Read more articles on Financial and Investing and Real Estate and Uncategorized.

David Bach – Automatic Millionaire

The Automatic Millionaire by David Bach is the current book that I am reading as per goal number 2 of my Goal Post for 2007. Lizzie’s son, David King of the Daygave me it as well as its associated workbook for Christmas. We had seen David Bach on PBS one evening, and were very interested in his program. In particular, we like the ideas of becoming wealthy with what you currently make, without the use of a budget. The key to David’s program as the title suggests is to make all of your money transactions such as contributing to IRA or other retirement programs automatic. Pay your self first and do it automatically before you pay everyone else.

In the first chapter I learned how David’s system developed to include the beginnings of his “Latte Factor”, which basically is an idea that gets people to see how they can actually save money by watching the small things they spend money on in their daily lives.

Another key idea that David highlights is the use of Compound Interest to create your wealth. A chart on page 48 entitled the Time Value of Money illustrates the amount that a person would have at age 65 when they start saving at different times in their lives with a an average interest rate of 10% annually. If a 15year old saves $3000 for the first 5 years of his working life, at 65 he would have a nice little nest egg of $1,615,363.40. If this person starts saving at age 19, she and saves $3,000 for eight years, at 65 she will have $1,552,739.25. And in the last column, if a person at age 27 starts to save $3,000 per year, he or she will need to save $3000 for the next 27 years in order to have $1,324,777.67 at age 65. These figures really make me wish I had started saving so much sooner.

Automatic Millionaire

Click the above pic to buy the Automatic Millionaire.

I will continue to make posts about this book and others I am reading, and the progress I am making in my life due to the influence of this book and others.

Oh, one last note before I end this post, Lizzie bought tickets to the Learning Annex Real Estate and Wealth Expo in Philadelphia on April 21 and 22. She made the initial purchase the evening we saw David on PBS, by making a tax deductible contribution to PBS. She then received two tickets as a gift from PBS. Lizzie later bought two more tickets for her parents, who happen to be our business partners and also are interested in building wealth. Lizzie’s Pop has actually been wealthy at different periods in his life. As he says, its not making it that is hard, its keeping it that has always been a challenge to him. I will also be writing about the Expo before and after it occurs, so If you would like to follow along, subscribe to my Investing Feed.
Learning Annex Philly Expo Logo

Written by Pixelhead on January 27th, 2007 with 1 comment.
Read more articles on Investing and Real Estate and Uncategorized.

Hard Money Lender

Rehabhardmoney Logo

What exactly is a Hard Money Lender- is a site for people looking for a hard money loan, and also for visitors that would like to become hard money lenders. “Hard money” is money that is loaned out using assets such as real estate as collateral. Often times these loans are made when someone needs a loan quickly, (i.e. they have a business deal that must occur quickly so that it is not forfieted). In other situations, someone with bad credit may use property to get a loan if they are otherwise unable to get a loan. Hard money loans are typically made with high interest rates(17-29%), and they are also always assessed points in addition to the interest rate. So a Hard Money Lender is a lender that specializes in hard money loans. is a site that has information for both lenders and borrowers of hard money. Those seeking hard money loans can fill out a form to prequalify. Loans typically can take up to a week(first loan) or as short as two days so that the borrowers can purchase their potential fixer-upper investment property. After submitting information to prequalify for a hard money loan, the applicant will receive two free reports “7 Secrets to using Hard Money to Your Advantage” and “5 Mistakes almost every Investor makes when Borrowing Hard Money“.
Those seeking information to become a hard money lender, may also fill out a form to see if they qualify as a lender.

Overall, the site is simple in design, user friendly and displays well in numerous browsers. If a visitor is seeking a hard money lender, I would strongly recommend as a financial resource.

The listing for Rehabhardmoney in the pixelheadonline directory is located at along with other Real Estate related sites.

Written by adonkus on September 15th, 2006

Written by Pixelhead on September 15th, 2006 with 10 comments.
Read more articles on Investing and Real Estate and Site Reviews.