Book Review

Books that we have read and reviewed

The World is Wrong

The World is Wrong - Steve Simpson

The World is Wrong – Steve Simpson

The World is Wrong by Steve Simpson  is a Science Fiction book targeted at teenagers.  Something in the world is very messed up.  Steve, Marie and their friends find that their memories of certain events that happened in the  past seem different  from the way they remember it.  As the day pass there seems to be  more and more  discrepancies in their recollection and many people who were nice towards them become increasingly aggressive.

There is something certainly gravely wrong in the world and it is up to Steve and his friends  to set things right with the space time. With their newly created the machine they try to reset time and continuum till when it was before the machine was developed and faced a lot of resistances and challenges on the way.

My thoughts

It has been a while since I last read a science fiction- time travel related- book. I initially gave the book to the boys to read however they have yet to read it due to their heavy school loads.

I found the plot a bit confusing to follow  along especially towards the last few chapters as there were many clones around of the main characters- Steve, Marie, Jenny and it wasn’t clearly where the clones came from and what they were doing in this current  space and dimension.

I find it weird that there were zombies thrown into the equation during the re-positioning of time back to equilibrium prior to the development of the machine.  There were quite a bit of twist and turn to the plot as they required about 4 tries before everything was finally reset and everything was back to normal.

Do pick up a copy of the book if you are interested in your kids reading Science fiction stories.

Disclaimer:  I was given a copy of this book for review purposes. All opinions are 100% mine.

10 Financial Mistakes You Should Avoid

10 Financial Mistakes You should avoid

10 Financial Mistakes You should avoid

10 Financial Mistakes You Should Avoid- Strategies Designed to Help Keep Your Money SAFE and Growing by Stephen.  S. K Ng

It is extremely important to be plan for ones retirement and grow their existing funds. In his book Stephen shares with the readers 10 Strategies to prevent yourself from being broke in your golden years.

One of the most important thing that you need is A PLAN. There must be an idea of how you would like to grow your limited funds. You need to know your time horizon and whether the finances set aside is for long or short term.  The plan that you execute has to be one that will beat inflation and taxation while and even longevity risk.

The author goes through the meaning of annuity and how to avoid taxation which depletes your savings. There are several different instruments which one can use for investment. It will certainly be prudent to find out which one is suitable for you and also how each one works.

It is very important to be educated about the different investment vehicles available.  Not all strategies that are currently used are applicable to you. One has to look at their age and a host of other factors before determining which is the best course of action in  dealing with  financial investments.

One must remember not to put all eggs into the same basket and develop a diverse financial portfolio.  It is important to seek advice from professionals before deciding on what to invest in.  They will be able to give you a clearer idea of what is more suitable for your  in the short and long term depending on your goals.

There are certain types of insurance which one may need to consider to secure your estate for future generations.  Some of the insurance which the author recommends is term, disability and long term care.  Longivity risk is something which has to be addressed as nowadays many people are living well into their nineties and beyond.

My thoughts

Reading this book by  Stephen Ng made me reflect on my own personal financial planning. I haven’t really been thinking much about retirement and having enough to sustain the kids and my needs as for the past 20 years I left this to the  Ex who  is a CPA/CFA. On hindsight it was really naive and foolish to do so as he has been financial manipulative and I’m still working towards regaining my financial independence and freedom.

I definitely recommend this book if you are looking to know what are the 10 financial mistakes to avoid. It was certainly an eye opener for me reading the book and have encourage me to think more about my financial stability.

Disclaimer:  I received a copy of this book for review purposes.  Opinions are 100% mine.