zaterdag 23 november 2013

Money Letters: 2 my Daughter - Jackie Cummings Koski (Boek) 

*****
Please purchase the newer "award winner" version with the July 1st, 2013 publication date. Paperback and Hardback--new lower price!

Money Letters 2 my Daughter is a series of letters from a mother to her 17-year old daughter about all things dealing with money and personal finances. This mother knows her stuff and not afraid to talk about it! You will learn, laugh, and get fired up as she guides you through the right way to manage your hard-earned money. She wants you and her daughter to be wiser about money and raise your financial IQ.

In the book, there are eight primary money topics that are covered, over 50 websites referenced, and a total of 111 letters. This is a great coffee table book and many of the letters have been the subject of spirited debates.

This book meets many of the National Standards in Personal Finance Education for K-12, created and maintained by the Jump$tart Coalition for Personal Financial Literacy. This publication has been approved by Jump$tart to be listed as a resource in the Jump$tart Clearinghouse database.


Editorial Reviews
From the Author
My motivation for writing this book:

My dad raised six hard-headed kids in a small three-bedroom ranch home, in a small rural town, on a factory laborer's income. But he did it and never complained. He was proud and never asked anybody for anything. Sometimes I hated that because we had little or nothing of our own--no phone, no new clothes, and every Thursday before payday, an empty refrigerator. I truly don't know how he did it, but looking back, I so admire and respect how he lived and showed me how to live--with values, honesty, and pride, regardless of our place in life.

In 1988, when I was a senior at Silver Bluff High School, my dad was diagnosed with cancer, which took its toll in a matter of months. He died at the age of forty-nine. My dad never got to see me graduate from high school, go on to college, start my own family, or write this book.

I used to say that no one helped me with anything when I was paying my own way through college, but while writing this book, I realized, my father helped me the whole time. He helped me by teaching me how to stand on my own two feet and not expect anything from anybody. So I did, without pause, because that's just what I was taught.


Still, I despised the financial deficit we seemed to always be in growing up. I was too young to really understand why money was always so tight, but I vowed not to be in that same place after I became an adult and had my own children. I think that was a big part of the drive behind all the money decisions I've made--getting a college degree, paying off debts quickly, saving aggressively so I would always have something to fall back on, investing my money wisely, and striving just to be a proud member of the middle class.

After doing what I thought was a pretty good job of this (and still trying), I of course, wanted to pass my wisdom on to my daughter. Problem was, she didn't want to listen to anything I had to say once she hit fifteen. Since she wouldn't listen to me, I decided to teach her all my life lessons and advice about money, in writing! Oh, and while doing that, I figured I would share what I had to say to her, with every man, woman, and child that was never taught the basics about money and personal finances, like me.

Through my writings, I realized that this was my calling and the way in which I shall give back to society. My one-sentence soapbox is: Most people know very little about money, and there is a desperate need for better financial literacy in the United States, starting with high school on through college and beyond.


To stay true to myself, my daughter, and anyone else curious enough to take a moment to read what I have to say, I wrote this book with unyielding frankness. I gathered all my experience, knowledge, successes, and failures with money--coupled with more hours of research and study than it would take you to earn a four-year college degree--in order to give you Money Letters 2 my Daughter.
From the Inside Flap
In Money Letters 2 my Daughter, mother and author Jackie Cummings Koski shares her self-taught wisdom through a series of letters to her daughter about all things dealing with personal finances. If you feel you have lacked the basics to get your arms around your money issues, this is the book for you. It will help you learn the things that will inspire you to finally trade in your stress and anxiety about money, for knowledge and power.

Much of the book includes things that people have only learned after they've made life-changing mistakes. Only then do they ask the question, why didn't anyone ever tell me that? Well, Mom is telling you now, along with hundreds of other people that are simply seeking some foundational knowledge about money.

Most people did not grow up with positive financial role models in their lives and were never adequately educated about money--not at home, not in school, and not even in college. So here is your "textbook" on money matters that will raise your financial IQ. The help that you will get in this book will give you the power to make better financial decisions.

Take a peek at the self-taught wisdom of this mother as she speaks to her daughter through her smart, no-nonsense Money Letters.
From the Back Cover
Money Letters 2 my Daughter is a series of letters from a mother to her daughter about all things dealing with money and personalfinances. It's not about teaching you how to make more money, but how to better manage the money you have. It will inspire you to trade in your stress and anxiety about money, for knowledge and power. Every letter starts with a lesson and ends with love. In between, is easy-to-understand advice and guidance that will give you the foundation you need to make the most of your hard-earned money.
About the Author
Jackie Cummings Koski grew up in a large family in Aiken, South Carolina, where money was always short, finances were taboo to talk about, and bad money decisions were commonplace. As an adult, she was determined to change that way of thinking for the next generation and became very passionate about personal finance and money matters. Through her letters to her daughter, she shares the wisdom she has amassed throughout her life in hopes that the generational chain of bad money decisions will be forever broken.

Jackie Cummings Koski grew up in a large family in Aiken, South Carolina, the second youngest of six children. She had a very modest upbringing where money was always tight and finances were always taboo to talk about. Determined not to repeat the shortcomings she witnessed in her childhood, Jackie wanted to further her education and attended Augusta State University in Augusta, Georgia. In high school, she discovered a passion for writing and believed going to college would help refine that talent and give her a better chance to succeed in life. Working full-time to support herself and pay her tuition, she graduated with a bachelor of arts degree in communications and embarked on her career and road to a better life. About two years after marriage, Jackie became the proud mother of a little girl, Amber. Through her journey of being a busy, working mom and wife, Jackie discovered a curiosity for personal finance issues like credit, saving, investing, and other money matters important to her and other consumers. When Amber was about nine, Jackie divorced from her husband of eleven years. Now a single mother, she was challenged to put all her money wisdom into practice. She proved to do extremely well in managing her finances, providing a comfortable middle-class lifestyle for her and Amber, quite a contrast from her own childhood. Years later, her interest in finances and the stock market led her to join an investment club in Cincinnati, Ohio, supported by BetterInvesting, the world's largest nonprofit organization dedicated to investor education. She now serves as president of the Cincinnati Model Investment Club, as well as serving on the BetterInvesting Regional Board of Directors. By the time Amber became a teenager, Jackie was glad to pass on her vast knowledge and wisdom about money matters to her daughter and those of her generation. Most people, just like Jackie, did not grow up with positive financial role models in their lives and never adequately educated about money--not at home, not in school, and not even in college. Jackie is determined to help raise America's

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