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Judy Durham Hits Three Amazon Best Seller Lists with “Even a Kid”

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Judy Durham Hits Three Amazon Best Seller Lists with “Even a Kid”

Published on December 19, 2022

“Even a Kid” by Judy Durham, reached Number One on Amazon.com’s Best Seller List in the Children’s Money Books, Children’s Money & Saving Reference, Homeschooling on December 13, 2022.

Judy Durham‘s recent release, Even a Kid: Financial Literacy for Kids hit Amazon.com’s best-seller list on December 13, 2022, climbing all the way to Number One in the Children’s Money Books, Children’s Money & Saving Reference, and Homeschooling categories. The book also reached Number Two in the Children’s Inspirational and Personal Growth and Homeschooling categories.

Durham’s book shares the story of Jody, a fourth-grade student who wants to earn money to purchase a bicycle. At school, Jody learns about many women who have achieved great success and sets out to start her own business. With encouragement and help from her mom and teachers, Jody starts “Jody Works,” a babysitting and senior buddy service. Throughout the process, she learns about planning, budgeting, saving, and giving back to the community.

Even a Kid will expose readers to the basic fundamentals of starting a business. The earlier a child learns about creating businesses and is introduced to financial literacy concepts, the better prepared they will be for the future. With some guidance, kids can learn that hard work, creativity, and determination will enable them to develop the necessary mindset to make their dream a reality.

In response to the book hitting the Amazon Best Sellers lists, Durham stated, “For me personally, hitting #2 in the Children’s Inspirational and Personal Growth category was the most rewarding. This was my purpose in writing the book. I wanted to inspire kids to realize how powerful they are when they understand personal finances and decide to use that power, whether they open their own businesses or just earn money in other ways. Learning the value of saving money for future use is a life skill that kids find difficult to practice. I also wanted to provide a model and reasons to give some of that money to others who might need help so that they will develop a charitable heart in themselves.”

The subject matter in Even a Kid is a hot topic and a must-read for children eight to ten years old.

About Judy Durham

As an educator for 35+ years, she has taught Kindergarten through post-graduate classes. Judy founded a Christian school in 1998, serving as principal, instructional coach, and classroom teacher. The school opened its doors with 120 students and 29 faculty members whom she recruited, interviewed, and hired to teach in grades K4 through 12. By 2001, the school had become fully accredited. She has written curriculum for language arts, social studies, math, and science. In her personal life, Judy has been committed to paying forward the help and financial education she received as a single mom, not knowing where to turn. She will be forever grateful for her brother, who helped her with budgeting, career planning, and investing. Judy lives in Greenville, South Carolina, with her husband, Charles. She has two kids and four grandkids and enjoys spending time at the lake. Her greatest passion is to help others overcome their fear of writing so they can share their testimonies, which she refers to as “Heart Songs,” for those who need to hear them most.

Even a Kid: Financial Literacy for Kids is now available on Amazon.com at https://www.amazon.com/dp/B0BPJNRX2Z/

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Interview with Kevin Guttman Reverse Mortgage Specialist, Interviewed on the Influential Entrepeneurs Podcast.

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Interview with Kevin Guttman Reverse Mortgage Specialist, Interviewed on the Influential Entrepeneurs Podcast.

Published on February 23, 2024

Kevin Guttman discusses the misconceptions surrounding reverse mortgages and why they are a safe decision now.

Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-kevin-guttman-reverse-mortgage-specialist/ 

In recent times, reverse mortgages have faced skepticism and myths, woven by misunderstandings and outdated information. Kevin Guttman demystifies the fog surrounding reverse mortgages, shedding light on the substantial benefits they offer to the relevant demographic. For too long, misconstrued facts have deterred homeowners from seeking financial liberation through this strategic option.

Are Reverse Mortgages Safe? The Answer is a Resounding Yes.

Is a reverse mortgage a last-ditch resort? Reverse mortgages are not to be feared but to be understood and embraced as a judicious financial planning tool. They are federally insured, and designed with the homeowner’s security at the forefront.

People are convinced that they’ll inevitably lose their homes with a reverse mortgage, and that is a big misconception. Borrowers maintain home ownership and can stay in their homes for as long as they choose, provided they adhere to the terms of the loan—a fundamental truth overlooked by many.

Perhaps people have heard the claim that heirs will be left with nothing but debt. In reality, reverse mortgages are non-recourse loans; no debt will be transferred to the heirs beyond the value of the home.

The Times Have Changed: Reverse Mortgages are the Smart Choice

In an era where financial stability is paramount, the safety nets provided by reverse mortgages cannot be underestimated. They offer retirees the financial flexibility needed to enjoy their golden years in peace. Why consider a reverse mortgage now?

  • New safeguards and regulations have enhanced borrower protections.
  • Reverse mortgages provide an opportunity to diversify income streams.
  • When tailored strategically, they can extend the life of other retirement savings.
  • Seize Control of a Financial Future.

Why linger in uncertainty when a secure financial tool is available at people’s doorstep? Reverse mortgages allow homeowners aged 62 and older to tap into their home equity, converting a portion of it into cash while safeguarding their nest egg.

An Invitation to Financial Freedom

Are reverse mortgages the right choice for everyone? No financial product is one-size-fits-all. However, homeowners deserve to know the truth behind the hype and the horror stories. They deserve the opportunity to make an informed decision about their financial destiny.

Kevin Guttman is committed to providing financial professionals with the accurate, up-to-date information they need to guide their clients. Kevin shares: “Reverse mortgages are a safe financial planning tool, emphasizing that they are federally insured, and designed with the homeowner’s security at the forefront. Contrary to the belief that reverse mortgages are a last-resort option, they are to be understood and embraced, with borrowers maintaining home ownership and the ability to stay in their homes for as long as they choose, provided they adhere to the loan terms.”

About Kevin Guttman

It’s only natural that Kevin A. Guttman helps people with reverse mortgages. He’s been around real estate practically his whole life. His parents were realtors and investors in southern California. Kevin grew up tagging along with his dad to look at properties, and he learned early on what makes a good real estate investment.

As he got older, Kevin and his brother began fixing up properties for their father, and eventually, Kevin began managing them.

But before he began his own career in real estate, Kevin started on his life-long path of helping others. He spent years in the ministry and in the non-profit world. He traveled the country to raise money for projects in the developing world, helping people have clean water, medical clinics, schools, and enterprise loans to build businesses.

Since 2004, Kevin and his team have helped hundreds of homeowners get mortgages, with a close rate 50% above the industry average.

So why reverse mortgages? It’s all about helping people live the retirement lifestyle they deserve. Kevin says he’s met with so many seniors who are house-rich and cash-poor. They have no pension, they’re relying on Social Security, and many are working well past retirement age because they’re worried about their financial future. Kevin believes it’s his mission to inform and educate people, give them honest Reverse Mortgage In Denver answers and advice, and help them consider their options.

On the home front, Kevin and his wife Sabrena have been married since 1988. They have five children and four grandchildren. He’s proud of all of them, and he’s also proud that his customers like to tell him he treats them like family.

Learn more:
http://www.reversemortgagerevolution.com/

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International Number One Bestseller About Belief In God Avoids “Religion”

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International Number One Bestseller About Belief In God Avoids “Religion”

Published on February 22, 2024

Imagine 70 International Thought Leaders– scientists, engineers, political leaders, journalists, corporate leaders, artists, media influencers, professors, even former atheists– all answering a simple yet profound question in 500 words or less: “Why do you believe in a God?“

“Why do you believe in a God?“

In today’s world, why should anyone believe in God? At a time when church membership is falling and the world seems to be skidding off the rails, this question launched a quest, and that quest has become a runaway bestseller… for skeptics AND believers alike.

That’s what happened when the editors of Elevator Pitches for God: 70 One-Page Essays by Thought Leaders On Why They Believe offered each author a single page on which to share their personal spiritual journey, to reveal how they arrived at their conclusion that God exists, and how it affects their daily life.

“We sought out interesting, thoughtful people with a wide range of backgrounds and experiences,” says Ron Kardos, one of the two editors along with Bruce Licht, who added, “We didn’t give the authors any direction about what to write. They all had their own ideas about how to approach the subject. We didn’t know what they were going to discuss until we received their essays.”

“There seems to be a groundswell of interest and a real need for a non-religious conversation about God. The world is desperate for meaning, purpose, and wisdom; a glance at social media will show you that the struggle is real.”

Proceeds will go to support For Good and For All, Inc., a non-profit 501(c)(3) media platform that is not political in any way, whose mission is to facilitate frank discussions about important issues that matter to humankind.https://EP4G.com

Feedback from readers reflects the power of this approach:

“At last! A book about God that won’t turn off skeptics. This book is for people who wonder ‘Why do so many people believe in God?’”

“A fascinating read. It has so many different perspectives from so many different people. You’re sure to find many essays that talk to you about why well-known and thoughtful people accept God.”

“They… approach the topic from every conceivable perspective (e.g., science, nature, and art) and a range of religious backgrounds (including Christianity, Islam, and Judaism).”

“There is no effort to turn the skeptic into a believer and certainly not to promote any religion. So it is a very “safe” book for both skeptics and believers to have in the home.”

Elevator Pitches for God: 70 One-Page Essays by Thought Leaders On Why They Believe is available in Kindle, hardcover, and audiobook editions on Amazon and at For Good and For All, Inc. (ep4g.com)

About the authors

Ron Kardos

Ron grew up in Los Angeles and graduated from UCLA with a BA in Economics. After college, Ron and his college roommate started businesses in autos, finance, and real estate. A spiritual late bloomer, Ron devotes much of his time to learning.

Bruce Licht

Bruce grew up in Lafayette, California and received a BA in Political Science from UCLA, and a Graduate Gemologist degree from the Gemological Institute of America. After graduating, Bruce operated his family’s retail business for twenty-two years before changing careers and joining a national technical publishing company for seventeen years, serving as the company’s publisher.

For more information or to contact the authors directly,

(650) 533-0675

Books are available at special discounts when purchased in bulk for sales promotion, fundraising, or educational use. Special editions can also be created to specifications. For sales inquiries, contact us at the address below or email us at: sales@ep4g.com.

For all permission requests, please contact us in writing at the address below or email us at: permissions@ep4g.com.

For all other information, contact: info@ep4g.com.

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Jim Billington, Managing Director of Wealth Pilots, Interviewed on the Influential Entrepreneurs Podcast Discussing The 5 Risks of Retirement

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Jim Billington, Managing Director of Wealth Pilots, Interviewed on the Influential Entrepreneurs Podcast Discussing The 5 Risks of Retirement

Published on February 22, 2024

Jim Billington discusses the importance of understanding the five risks of retirement. 

Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-jim-billington-managing-director-of-wealth-pilots-discussing-the-5-risks-of-retirement/

In this enlightening episode of “Influential Entrepreneurs,” Mike interviews Jim Billington, the Managing Director of Wealth Pilots. The conversation centered around the critical topic of the five main risks that retirees face, which traditional financial advisors often overlook.

Jim emphasized that while many advisors claim to be fiduciaries, they frequently fail to address these five pillars of risk that are crucial for retirees. Wealth Pilots, on the other hand, specializes in retirement planning and focuses on protecting clients from these risks. The five risks mentioned were:

Longevity Risk: The danger of outliving one’s retirement savings.

Market Risk: The potential for investment losses due to market fluctuations.

Interest Rate Risk: The risk associated with changes in interest rates affecting investment values, particularly bonds.

Tax Risk: The uncertainty surrounding future tax rates and the impact on retirement income.

Long-Term Care Risk: The high costs associated with long-term care can deplete retirement savings.

Jim highlighted the importance of a holistic approach to retirement planning that addresses these risks. He criticized the Wall Street model for not providing adequate protection against these risks and for not being transparent about the true nature of fiduciary responsibility.

One strategy Jim recommended involves using advanced annuities that offer principal guarantees, lifetime income benefits, and the potential for tax diversification through Roth conversions. These annuities can also include benefits that double for long-term care needs, providing a comprehensive solution to the risks retirees face.

In this episode, Jim’s insights provide valuable guidance on creating a retirement plan that can withstand the test of time and market volatility.

Jim explained: “One key factor that the Wall Street fiduciaries do not address is that downside market risk, that type of volatility will kill income and over time that will significantly endanger the longevity risk of your portfolio and risk sending your portfolio into a downward depletion or implosion-type of scenario.”

About Jim Billington

Jim started in Retirement Preservation Planning 22 years ago as the Tech Bubble started moving towards a meltdown and he saw Wall Street throwing out all the fundamentals and taking too much risk with people’s nest eggs. He is a second-generation financial manager as his Father was the Regional Director of the Nation’s largest Brokerage firm. He saw an alarming lack of expertise when transitioning people from the asset accumulation phase to the asset preservation and distribution phase of retirement. At Wealth Pilots, they are dedicated to helping clients make the critical decisions necessary to avoid the unnecessary and avoidable risks of retirement such as longevity risk, market risk, and tax strategies to maximize income.

Learn More: https://www.wealthpilots.net/

Recent news and interviews:

  • Jim Billington Discusses The Retirement FLIGHT Plan:

https://authoritypresswire.com/jim-billington-managing-director-of-wealth-pilots-interviewed-on-the-influential-entrepreneurs-podcast-discussing-the-retirement-flight-plan/ 

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