2 comments about The Nonprofit Career Guide: How to Land a Job That Makes a Difference.

1. I do hate all career guide books.
   
   Except this one. Short. Focused. Keeping it real. And no worksheets.
   
   As an executive working for top Human Resources management in a Fortune 100 company, I have read many career guides. And I have been asked to recommend career guides by concerned friends, usually for their kids. And they are all padded, boring, time-wasting books. Especially the ones with tests and worksheets. Did I mention I hate worksheets?
   
   Here is a book based on a special perspective -- Shelly Cryer is a professional who is in the streets 24/7 with the real people who really know what it takes to work in the nonprofit sector. She is an expert communicator, and impatient to get her ideas across to you -- you'll feel like she is talking to you as a best friend with inside information as you read. And it is a pleasure to finally read a book not filled with true, but tired tropes about networking and how to inflate your resume.
   
   This book is down in the trenches where a good first impression counts, but communicating accurately and tersely gets you noticed. Nonprofits after all have to do more with less, and that includes less time for fluff. Here are two examples which I know to be true from experience, and have never seen in another career book: Do not use the static-ridden, dead-voice cell phone for outreach, stick with a conventional land-line for important calls to get your human nuances across. And here is a big clue, email is a great way to communicate instantly, but do not take any less time crafting your email than you would a serious business letter. How true; email's spontaneous nature seems to sap politeness and logical structure from so many communications I get.
   
   The index. This book has an index. Why should a slim volume like this (less than 300 pages) need an index? Well you can not live without Google can you? Think of this intelligently indexed book as having a built in search engine. So many books skimp and think they can get by with a table of contents with cute chapter titles.
   
   This book is hard-hitting, with career profiles and interviews with true leaders in the nonprofit sector about their own careers. As proof that Shelly Cryer is saying "yo listen up my peeps!", each chapter has a quick review at the end which makes you really think about what you have just read. Not just the usual warmed-over summary, but a superb safety net to make sure you have caught on.
   
   Want to do good in the world?
   
   Want to wake up happy to go to work every day?
   
   Buy this book; you may find your life's calling here.



2. I never thought I would review a career guide, but this one deserves it. As a student, I found this guide to be indispensable. Not only does it thoroughly cover the non-profit sector, but it also offers advice and insights that can be applied to any sector.
   
   Cryer begins by profiling the sector and highlighting future trends. Notable is the observation that salary in the nonprofit sector depends on field of work and size of organization--in certain fields, nonprofit pay is higher on average than that of their private or public sector counterparts. Furthermore, as the sector grows in prominence, more attention is being paid to salary as a means of recruiting talent. Other trends include a growing need for leadership and increased diversity. The meat of the book is in lively chapters covering sector subsections (arts, education, health international, etc.) and job functions (management, communications, development, consulting, etc.). Its snapshots of different people working in the industry provide a good sense of what to expect from the different avenues the sector has to offer.
   
   This book made me see my career options in a new (and organized!) light.

5 comments about Active Index Investing: Maximizing Portfolio Performance and Minimizing Risk Through Global Index Strategies.

1. This is an extremely well written and thoroughly informative guide to the important new world index investing. It's not a short book -- but it's perfectly organized into easily manageable chapters... and more of a page-turner than you'd expect.
   
   The book works on multiple levels. Whatever your degree of investing sophistication, you'll find incredibly useful information. It's probably the only thing you need to read on index investing -- covering mutual funds, ETFs, and making sense of the now-huge variety of index-based investment options. And it's linked to a web site that will keep the book effectively current.
   
   Buying the book was a modest investment that I'm sure will pay off nicely...



2. Steve Schoenfeld's edited volume, "Active Index Investing," is a welcome addition to the literature on financial management. Although rigorous in content, its clear-to-follow chapters and illustrative sidebars combine to make this book extraordinarily useful as a primary textbook on MBA or executive education courses on financial analysis, financial instruments, fixed income asset pricing, and portfolio management. In addition, several chapters, including those dealing with enhanced indexing and benchmarks, will be of particular interest to scholars who are interested in the theoretical literature on portfolio management. Overall, "Active Index Investing" is a winner and gets my highest recommendation due to its clarity and breadth.



3. This book is quite simply contains the best information on the subject of indexing.
   
   It tracks the beginnings of index products and pays respects to the pioneers that developed this type of investing. Mr. Shoenfeld thoroughly decribes the myriad of vehicles that are available for investors today (this list grows every day it seems).
   
   But what really makes this book shine is the real-life examples and guest writers. Books about investment theory often lack concrete illustrations of the theories they espouse. Mr. Shoenfeld descibes in detail how and why individual investors, pension plans, and hedge funds use index products. In many cases, fund managers write the chapters. Getting this information "from the horse's mouth" allows insight into thought processes of those responsible for investing millions of dollars.
   
   The scope of the book is amazing, and even more is available on the e-ppendix on the Web. Congratulations to the author on putting together a massive reference book on the subject of indexing.



4. An important disclaimer: I am a specialist index portfolio manager a major index fund manager
   
   This is an excellent book that contains all the important reasons why your asset allocation should start with indexing and then think about active managers (not the other way around - pick the market haystack, not the active manager needle). The important points have not changed over the years, including during the bear market of 2000-2001. The bottom line is that costs matter.
   
   I was most impressed with chapter 19, which well describes the index portfolio management process and demonstrates how much more difficult it is to deliver benchmark returns than what people think. Every person who glibly retorts 'a trained monkey could manage an index fund' and 'what do you guys do all day anyway?' should read this. Index portfolio management is a unique challenge and we're always on a hiding to nothing to achieve this outcome.
   
   The chapters are well researched and there are plenty of references for the interested reader.
   
   It is a large book, but all the chapters are self contained and there is no loss of continuity by reading chapters individually.
   
   I ended up giving it four stars however as the low quality paper on which it was printed makes the book feel a little cheap. For a $90 book the publishers could do better.



5. Indexing is definitely the most cost effective way to invest and to control how your assets are allocated. At the end of the day, what ultimately drives return, is an intelligent asset allocation strategy and minimizing costs. A good financial planner who believes in this strategy should help you implement the asset allocation and monitoring processes. If the proper investment tools are used you can have the investments and the investment advice for less than the cost of the average mutual fund.

5 comments about The Complete Guide to Your First Rental Property: A Step-by-Step Plan from the Experts Who Do It Every Day.

1. This book was a very interesting read, especially for those individuals who are looking to find an extra line of income. Instead of just throwing out random facts, the author actually gives supporting statistics and "investor insights" into different options for obtaining a rental property.
   
   One of the more interesting things that I learned from this book was how to use my 401(k) to purchase a rental property - considering the uncertainty of the future of the Social Security system, it is nice to know that I can take use what I've already set aside and have a guaranteed source of income when I reach retirement age.
   
   The author also provides helpful strategies for renting a property, maintaining the rental unit and also landlord/tenant relations. All in all, this books was more than helpful and should be required reading for anyone who is even considering getting into the property rental game



2. Your First Rental Property is a fantastic book for anyone looking to invest in property and make some extra money. Its easy-to-read guidance provides vital information on how to invest in property, what to look for when deciding on a property to invest in, and so much more! The layout of the book attributes to the comprehension of the materials by the reader. The investor insight sections and the case studies are fabulous! Providing hands-on experience and stories helps the reader to recognize various types of scenarios and possible solutions. The samples and "Been There Done That" sections, like the case studies, are strategically placed to enhance what Clark is saying--whether it's on how to place an ad or horror stories about tenants.
   
   The book is highly recommended if you are looking to invest your time and money into something that will have long-term returns.



3. Teri B. Clark has accomplished an amazing feat with her Complete Guide--she makes the fine art of renting property seem possible and even enjoyable. With her easy to read prose, Clark calmly tackles everything from tax forms and mortgage details to where to find property listed online and how to find reliable tenants. Her snappy section headings make the entire book a delight to read, and her sense of honest humor gives the reader complete confidence in her advice and tips.
   
   Clark capably covers each step of the somewhat shrouded and rock-filled path to successful ownership with insight and wit. Her advice ranges from the practical (buy a house when you have the money to do so--the market has nothing to do with it) to the specific (how does one decide how much rent to charge?). She includes case studies throughout that showcase how professionals conduct their own rental properties, and there is a sense that not only does Clark know exactly what she is talking about, but each thing she tells readers is supported by a wide array of well-informed and experienced people in the field. This kind of confidence is a comfort to find in a guide book like this; after all, investing in real estate can be a frightening prospect, especially with the housing market crisis occurring today. Clark makes it seem like such a crisis can be weathered by any smart rental property owner who gets into the business with a full understanding and appreciation of what lies ahead--and Clark gives that background in this guide.
   
   The book is also filled with sample leases, blank charts, and other extremely relevant and useful forms and questionnaires that only enhance the reader's experience. Clark even includes websites that offer property searches, websites that explain tax information, and many, many more.
   
   While reading this book, the reader can sense that Clark is providing the most up-to-date and realistic guidance for this venture. If someone is contemplating getting into the real estate rental business, this is definitely the place to begin researching the feasibility of such a dream.



4. If you are thinking about buying a property to rent, you've found an excellent jumping off point. In The Complete Guide to Your First Rental Property by Teri B. Clark, every question you can think of, every question you haven't yet thought of, and every question that may come later down the road is addressed. From how to find the perfect property, prepare it for tenants, select tenants, draw up a lease, collect rent, continue maintenance, eviction, all the way through even up to taxes and legal fee, Clark does not forget anything. She gives you example after example putting all the mumbo jumbo into real life situations, and always uses easy to understand jargon. At the end of the book, there are pages upon pages of examples of leases and documents that a potential landlord could use and adapt right out of the book. All in all, this is a very useful tool for anyone debating on purchasing a rental property or for someone who already is in it.



5. The Complete Guide to Your First Rental Property by Teri B. Clark is a truthful account of what owning rental property will entail. It is a good resource for anyone thinking about becoming a landlord for the first time. It is useful for current rental property owners, as it contains information on applicable taxes and laws. It provides links to all 50 state laws and document templates for easy use and reference. Within the book, the author explains the different types of real estate investments, types of landlord/tenant situations, how to choose an appropriate rental property, and different lending options. This book is an easy read and should be part of every would-be or current homeowner/rental property owner's library. In addition, I believe it would prove useful to retirees since it explains how to use real estate for retirement investment purposes.

2 comments about The Lean Healthcare Pocket Guide XL - Tools for the Elimination of Waste in Hospitals, Clinics and Other Healthcare Facilities.

1. I found this larger version of The Lean Healthcare Pocket Guide very useful. The forms are easier to read with this larger format. We review the case studies with our kaizen teams to discuss similar applications to our type Lean initiatives. Case studies alone are worth the price of this book. We purchase these for all our continuous improvement team members (and they are used all of the time).



2. Our organization distributes this booklet to all who are receiving Lean Management/Lean Green Belt training - that's 350 people so far. We find it concise enough to be handy, and detailed enough to be useful. The larger format is excellent for reviewing, although we also like the pocket version for portability. This is a fine resource for those who have had some training and need a quick reminder about the tools and concepts of lean in healthcare.

5 comments about Start Small, Profit Big in Real Estate: Fixer Jay's 2-Year Plan for Building Wealth - Starting from Scratch.

1. The author gave "how" examples and easy to understand explainations to help you build wealth.



2. I loved Fixer Jay's original book, Investing In Fixer Uppers, so I was thrilled to buy his second book as soon as I heard about it. It is an ok book, but it is his original book in a new cover. Even some of the sentences are the same. It was kind of like listening to a friend who tells you the same stories without remembering that he has told you already, using the same words, gestures and inflection. I was dissapointed that there is actually no explanation for creating a 2-year plan anywhere in the book. The closest thing that I could find to a 2-year plan, was a sentence on page 8 that said, "Two years after you acquire your first property, you should have a dependable income, assuming that you're following my strategies." Then comes an analogy that investing in real estate is like kissing frogs to find a prince. I suppose that it is, but it didn't help me with a 2-year plan. If you are interested in fixing up houses to rent for income, don't hesitate to buy Jay's first book-I have read it 5 times, and am using his strategies from that book right now, having just fixed up an older house in my neighborhood. With 3 month's part time work, I now have 28k in equity, and 209.00 per month positive cashflow, on my first fix-up ever, thanks to his first book. The house was even owner financed, 2% down, and deferred payments too! (Jay's strategies) Don't bother with the 2-year plan book though, because it isn't anything new.



3. This book has the strong qualities of Jay's first book - written in a easy-going, lay-back style that makes it enjoyable to read, and it presents an eminently useful model that really works.
   
   Jay says to avoid slick and flashy techniques because "slick is another word for slippery." He points out the gurus who formerly expounded on a wide assortment of get-rich techniques are "either bankrupt or working in gas stations." Jay advises to stick with run-down, fixer-upper types of properties. Buy low, and improve their value, and rent them out. I's a winning formula that I, and many others, have used to make money in real estate.
   
   I particularly liked Jay's technique of taking a low key negotiation approach, like the former TV-detective Columbo when he interrogated suspects. Instead of putting the seller on the defensive, don't directly tell them what's wrong with their house. No one wants a complete stranger to come up and criticize their house. Always show respect to the seller, and have the seller tell you what's wrong with the house by asking him a series of polite questions. Listen carefully to what the seller has to say. You can learn a lot by listening. Don't be critical, never talk down to anyone. Even sellers who must sell, won't sell to you if you try to intimidate them. Jay points out that you still must diligently verify any information you get from the seller. One way to do that is to ask for their "Schedule E" tax form.
   
   Another key to Jay's formula is turning motivated sellers into bankers. This is something that a lot of us, myself included, need to work on. If we follow Jay's advice and get the seller to finance at least part of the loan, the purchase process suddenly becomes much easier.
   
   I also liked Jay's memo system of dealing with renter problems. In using this system, I find it simplifies my dealings with renters. If you call and tell them to do something, they forget. If they see it in writing, in an official-looking memo, they will usually, but not always, do what you ask them to do. It reduces direct contact with them and it gives you written documentation in case you later need it later to remove them from the house. I like Jay's comment "tenants don't intimidate me because they are simply no match for my landlording skills." A bold attitude that we should all aspire for.
   
   Overall, there is a lot to like about this book. If offers sound advice for the new, and the seasoned, investor. The Columbo negotiating technique alone was worth the price of the book for me.
   
   
   Terry Sprouse is author of the book: "Fix 'em Up, Rent 'em Out: How to Start Your Own House Fix-up and Rental Business in Your Spare Time."



4. Author's basic premise makes sense-- there is money to be made buying fixer upper single-family houses that are rehabbed and rented for investment income. Author suggests focusing on houses that require cosmetic repairs and/or sweat-equity repairs that offer cost savings via investor completed repairs versus hiring and paying a professional.
   
   Book's shortcomings include ad nausea repetition, a lack of practical how-to advice and too many references to investment returns based on gross income versus net income or before tax cash flow (i.e., A $100,000 house that rents for $1,000 per month does not produce a 12% return unless the tenant covers all operating expenses, capital improvements and there is no debt service. John Schaub's single-family house investment books offer a more detailed road map.



5. There is some good, useful information in this book. But personally I found it hard to get past the country boy, hick lingo that he uses so much. For example, "Never Try to Milk a Steer". There are so many metaphors like this, I couldn't get through the whole book because I was laughing instead of absorbing the information. Most of the information is good, but if the book was more well written it would be alot better. I stopped reading this book and moved on to another one that I purchased at the same time, Millionaire Real Estate Mentor, I think its written by Russ Whitney or Ross Whitney, something like that. That one is awesome so far and I would recommend it above this book any day.

1 comments about Public-Private Partnerships: Principles of Policy and Finance.

1. Yescombe's "Public-Private Partnerships" is a welcome helpful book, especially for non-experts who have not been educated in law.
   
   Any contract or capital structure has peculiarities unto itself which general commentary can summarize. But this is an extreme challenge in the field of public-private partnerships.
   
   Public-private partnerships can take a variety of shapes and sizes, with asymmetric agency concerns involved. Yescombe doesn't address the full utility of individual agents and principals within asymetry (or work through complete n-actor, n-game game theory optimization), but the cautious reader can read between the lines as he walks through the details and he amply raises enough issues to stimulate thought.
   
   Sub-specializations can often develop difficult technical jargon, and Yercombe does an excellent job unpacking the sometimes bewildering use of terms, while sticking to a presumption of a readership coming from a "Black's" and common law perspective.
   
   Yescombe covers a wide range: from general policy developed by government authorities to technical financial analysis, capital structure, procurement, financial and legal venue issues. Yescombe's perspective as a practitioner gives a solidity to the subject matter, and provides an authoritative guide and reference for investors, bankers, companies providing infrastructure or services to public sector authorities and the public at large.
   
   For now, this is the single best work for anyone interested in a public-private partnership.

5 comments about The Second Homeowner's Handbook: A Complete Guide for Vacation, Income, Retirement, And Investment.

1. The Second Homeowner's Handbook: A Complete Guide for Vacation, Retirement, and Investment by Jeff Haden, published by Atlantic Publishing Group, Inc.
   
   Rating: 5 stars out of five.
   
   The Second Homeowner's Handbook is a great resource of 288 pages for the more than 30% of homebuyers who acquire second homes each year. This handbook explains how to invest in a vacation and/or future retirement home. It covers what kinds of homes to purchase, how to rent the home tax-free, and how to negotiate sales and obtain financing. It also covers warranties, insurance, moving plans, walk-throughs, contracts, mortgages, and closings, to name but a few topics. It is a wonderful resource for home buying!
   
   The author of The Second Homeowner's Handbook, Jeff Haden, writes from extensive, personal experience. He states, "Real estate is one of the most stable investments you will find." He is absolutely right and the handbook gives you the knowledge and tools you need to make wise and profitable investments in real estate. I highly recommend The Second Homeowner's Handbook to anyone considering purchasing a home - to live in or invest in!



2. This book outlines smart financial moves to make even if you are not planning on buying a second home. The tips covered are useful for buying or selling a first home also - items such as how to analyze property or loans, and how to increase the resale value of a home are important in any real estate transaction. For those who are interested in buying a second home, the purchase, financing, and maintenance of residence, rental, and rehab properties is covered in detail. There are clearly written guides which relate the procedures required to hold a second home for monthly income or increase long term wealth.
   The writing is well organized and easy to understand, with excellent descriptions and testimonials from those who are already experienced in the business of real estate. An extensive glossary at the end is helpful for readers who are unfamiliar with real estate terms and phrases.



3. If you're thinking of building a retirement nest egg on real estate, then Jeff Haden's THE SECOND HOMEOWNER'S HANDBOOK: A COMPLETE GUIDE FOR VACATION, RETIREMENT, AND INVESTMENT is for you. Here's a set of keys on how to use a second home to fuel both present vacations and future retirement, whether you've bought for resell, rent, or personal use. Chapters tell what to look for, how to rent, how to handle income taxes and financing, and more.
   
   Diane C. Donovan
   California Bookwatch



4. I find that the author has a genuine interest in his Reader's understanding the Real Estate area in general terms as well as provoking them to analyze whether they can afford to invest in property whether vacation, retirement or investment properties.
   
   I felt that the goal of the author was to help Readers make better choices in Real Estate investments from a personal and business perspective. The Second Homeowners Handbook provided step by step guidelines and references on identifying property to invest, choosing the right location, analyzing the market, and goal setting.
   
   While there are many Real Estate investment books on the market, you can not find a book that provide actual details on how to maximize property values by eliminating clutter or steps to improve basic appearance of the property to ultimately generate quick profits. This is a book that you can not resist and is a good buy for those interested in second homeownership.



5. We rent our second home as a vacation rental, and I was hoping this book would have more practical information on this topic. Although the book does contain a lot of good information on other topics, it does not contain much anything of use for someone looking for help managing their vacation rental.

5 comments about The Teenage Investor : How to Start Early, Invest Often & Build Wealth.

1. Material is repeated over and over again. If your already familure with investing you probably should keep searching for another book.



2. Purchased Teenage Investor for my grandchildren but decided not to give it to them. While the book gives a reasonable survey of the stock market it promotes the negative theme throughout that we, average investors, cannot succeed and would be better off buying mutual funds. (So, why write a book about investing?)
   
   This boy-writer (in my opinion) must have garnered a lot of help from dad, a lawyer, an accountant, a broker, a writer, and an editor. I read the whole book hoping to find something that read as if a teenager actually contributed, but I couldn't find it.



3. This book is mainly for those who are extremely afraid of risking money in individual stocks or smaller kids (<12) The only stocks he likes are index funds. Otherwise, its CDs or something having to do with the bank. The author is ultra-concerned about risk, and he's 13 years old. His ultra-concern about risk gets very annoying and repetitive after you've read 50 pages.
   
   This is a great book for small kids, who aren't ready to take on the more risky stock market and individual stocks- it shows you the other options. (like the bank!) But for everyone 14+, I recommend "The Neatest Little Guide to Stock Market Investing".
   
   (I'm 15 years old)



4. this is a good, easy read and i definitely recommend it for teenagers or people that are just starting to build some financial knowledge. the basic concepts are explained quite well, and the language is clear and straightforward. however, he sometimes sounds like a broken record and constantly admonishes the reader to use mutual funds and save money and not take risks- again and again, and it kinda gets old after awhile. this book could probably be written in about half it's length if that weren't the case.



5. I bought this book for my son who is about to inherit a large amount of money. I loved it. As a mature adult, I wish this book had been around when I was younger. I'm going to buy some copies for my Junior High class so my students can learn the basics of the Stock Market. True, it's simple, it's low risk themed, but a great way for the younger generation to get started.

No comments about Silver Bullets - Strategic Intelligence for Better Design Firm Management.

5 comments about The WealthLoop Series Beginner's Guide to Building Wealth Buying Houses: The Foolproof Roadmap to Real Estate Riches Without the Risks and Hassles of Landlording.

1. I am a beginner investor looking for guidance on getting started in real estate investing. This book explains a fundamental way to invest in real estate. The author has done a great job in describing a method to quickly get properties cashflowing positive and has many tips and pointers in the process.
   
   This book is a very easy read. I finished the book in a bout two days. I believe this book is written more as a starting point. The Author focuses mainly on the basic process of buy homes and re-selling them though options to create cashflows. It leaves out the finer details of investing for example, economic real estate cycles or how exactly is economic growth determined to insure we are buying in the right area. However, as a starting point the overall book well done.
   
   One thing to note is that the methods here are meant to be applied to the lower price ranged homes. Positive cashflow may not be likely if you live in California or some other place where the low-end pricing is 450,000 or more. The method is still a worthy technique to know and could be used on any price range so long as the market will pay the prices your asking.
   
   For anyone that needs a spark of new opportunity in real estate and an easy read, pick this one up. After reading this book, my own perspective of investing in real estate has changed. The methods described in this book is a great addition to add to your "quiver" for future real estate opportunities.



2. At first glance the book seems like a general treatment on the merits of RE investing - but soon focuses on the 'meat' - a simple application of lease options. What I liked was the potential repeatability, without having to find properties 30% below market, like so many are trying to do at the moment. The option focus is on being a landlord/seller - no complications of sandwich options etc. There is a single case-study, which is detailed - although it would be nice to know how it actually turned out in the end! The forms and sample agreements really add value.



3. I like this book alot.
   
   The general overview was a bit long for me. While I think the author has makes valid point regarding the value of income streams, I found some put downs of traditional methods of investing off putting.
   
   That said the coverage of finding and buying a home is great. The part on getting renters is also good, but some advice on how to do credit and background checks would have been helpful. The example was very good as well. The parts on how to handle the back end of the transactions and how handle the money put aside for the buyer/renter are missing....
   
   Thats my biggest criticism. Its almost as though the author doesn't expect the buyer/renter to ever purchase the home (I don't really believe this based on his comments in the discussions, but based just on the book). I say this because the author implies that you can use the down payments to finance subsequent purchases. That would be fine, if there was some detail around how to do this and still have the buyers money for the purchase.
   I also think that there should have been a recommendation for a lender to evaluate the back end of the deal and the renter to see if the end purchase is realistic.
   
   Again, despite my criticisms, I still recommend buying this book. I'm strongly leaning toward this method of investment but don't think its a complete system. I'm now looking for another book that has detail this one is missing.



4. The book is excellent and very informative and is written in a simple yet to the point manner. Mr. Michailidis take you through the process, and provide life examples to validate his theory. The book is enlightening and provides an easy road map to success - utilizing the "rent-to-own" concepts. The only draw back I found in the book is that Mr. Michailidis did not provide a totaling spreadsheet reflecting the impact if one is following his book advise - but this can easily done by the reader as well. This book should certainly be in any real estate investor library.



5. how to book. Most have the theory and little actual details.
   It was hard to believe there were as many buyers out there as the author says. I gave the book to a local realtor and he read it then introduced me to a couple of mortgage brokers. They pretty much confirmed that buyers were there. They also gave some stories of higher returns than the author stated.
   
   Trouble is that there are 2 markets around here. One where I wouldnt want to go after dark and one where 180K is a low end house.
   
   So now I am sending a copy of the book to another realtor in a nearby community