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Sales rank 88,387
Customers rating (based on 87 reviews)
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Charles J. Givens' Wealth Without Risk has become a classic in the field of financial self-help books for one simple reason: it works. His safe, legal, and proven approach has already started millions of Americans on the road to accumulating wealth through better strategies for personal finance, tax reduction, and investment. More Wealth Without Risk keeps you at the cutting edge of practical, easy-to-use financial techniques. Givens delivers more than 350 low-risk financial strategies -- with special sections on protecting your credit and keeping the IRS's hands out of your wallet -- including how and why to: * Get your next raise totally tax-free * Make your vacations and trips tax-deductible * Get your retirement-plan money tax- and penalty-free before age 59 1/2 * Use high-powered, little-known strategies for getting out of debt and rebuilding credit * Get next year's tax refund this year And much, much more!
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| Publisher | Pocket | | Release date | 04/1995 | | Availability | Usually ships in 24 hours | | Edition | Paperback |
| | List price | $19.95 | | Our price | $14.57 (you save 26.97%) | | Used price | from $0.45 |
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 knowledge is power
Great financial information that is very relevant to every American in theses days and times.
Thank You Mr. Givens!
I was introduced to Mr. Givens back in January 1989 on one of his many
appearances on "The Today Show." At that time Mr. Givens was promoting his book, Wealth Without Risk.
To say that I was skeptical, would be an understatement. Nonetheless, I went out and bought his book and passively applied some of the strategies.
Several months later, I had moved from Pennsylvania to Orlando, FL and came in contact with Dennis Jumper, a Givens member and Share The Wealth rep.
Dennis convinced me of the increased opportunities available via the
membership so I joined. Also that day, I met Mr. Givens for the first time.
He was very dynamic and charismatic.
Prior to studying the Financial Library and applying the Givens Power
Strategies, I was like a gerbel in a cage! Earning money was the easy part. hanging on to what to what I made and keeping ahead of taxes and inflation was the hard part. I found that the more money that I had coming in the front door, the faster it went out the back door!
After reading Wealth Without Risk and pouring into the Financial Library, my wife and I found that it was very easy to stack strategies i.e. use the personal finance and tax reducing strategies and increase our contrbutions to our company 401(k) thereby reducing our AGI and being eligible for deductible IRA'S. Taking the savings from auto insurance and putting the profits into our insurance companies annuity and seeing our insurance premiums go even LOWER!
We had our son help us in our family business and pay him a "tax
deductible" salary instead of a "non deductible" allowance. Used our
automobile in our business and go from a zero allowance to a 80% tax
deduction, this includes service and maintenance costs. Take "tax
deductible" business trips instead of non deductible vacations and more.
We also moved from a local bank checking account to a money market mutual fund to take advantage of the higher interest and flexibility.
We were amazed to see how money we were saving from restructoring auto,
health and homeowners insurance PLUS modifying our W-4 form at work. All of this "new found money" went into our money market mutual funds for
emergencies while also funding our IRA's and regular mutual fund accounts.
We actually had investments that were growing for the first time.
With our business, we also set up a SEP IRA for my wife and I and we are contributing the maximum and also have IRA's set up for our son directly from salaries from helping us and of course we take a tax deduction.
We also fired our financial planner. In 1987 he put us in bad loaded stock mutual funds which dropped a lot as did the overall market that year. Then he put us in bonds at the absolute worst time and we missed out on part of the market rebound in 1989. Now, all of our investments are in NO-LOAD MUTUALS only and we are our own Financial Planners! We are using the Givens Money Movement Strategy as our guide and estimate that we are on track to have a retirement income well in excess of six figures just from our investments.
We follow the money movement strategy and that kept us from losing money in 1989, 1995, 2000 and 2007. In 2000, we pulled money out of stock mutual funds and individual stocks, moved into a money market fund and then into a zero coupon bond mutual fund. One of Mr. Given's mantra's was,
"When interest rates are high, stocks will die." So when Greenspan started raising interest rates, we pulled out of stocks and moved into money market mutual funds. As expected, stocks fell and fell hard with the Dow Jones dropping from nearly 12,000 to 8,000 and the Nasdaq from 5300 to under 2,000. Likewise, when interest rates started going up again we once again moved out of stocks and missed the stock market slide we have had in 2008. Mr. Givens money movement strategy works everytime.
Mr. Givens also has another mantra that goes like this:
"Everytime interest rates drop 1% all bonds appreciate 10%." We made 45%-50% on our bond fund while others were chasing stocks and buying on the dip or using the old "buy and hold" strategy. And since we used the recommendations by Mr. Givens and the Givens Org. we had investments that were growing and paid no commissions -we used only NO LOAD FUNDS.
I also dropped a whole life insurance policy and moved into a LPT policy.
More money to invest and/or build on our lifestyle.
If I had to choose the single most important strategy, it would be "The
Dreams List" Strategy. This is what ! got us to take action and make
everything possible. The Dreams List also kept us motivated during many
difficult times and kept us on track.
In 1991, I had one of those unfortunate reversals in my life. Fortunately at that time I was not only a Givens (IAS) member but also associated with Share The Wealth, the direct selling division of the Givens Org. and had qualified for a Managers Conference. Part of that included going to Mr. Givens home. I meekly approached Mr. Givens while he was entertaining
approximately 80 other guests and asked him if I could have a few minutes of his time, that I had a personal issue and needed some advice.
He was gracious, politely excused himself from his other guests and spent about 30 minutes with me discussing my situation. His advice worked and to this day I can recall his look of concern and sincerity in wanting to help me. Mr. Givens was a one of a kind guy.
This book should be renamed THE SUPERFINANCIAL BIBLE because for us,
it has helped us reach financial goals that we consider SUPER and wouldn't
have achieved without the Givens Strategies. Mr. Givens, RIP and thank you!
Tony DeFrancisco
Winter Park, FL
Must Have
Absolutly a must have book for the person who does not know a lot about anything financial. We written and to the point directions with easily comprehendible information to help you save money and earn in all aspects of life.
This was a great book and it has helped me go from being nobody to being somebody
I am in the process of researching the correlations between the current real estate market, the fed funds rate and the stock market. I strongly believe that we are going to see some very bullish activity in the stock market over the next 2 years. I see some strong simularities between the year 1997 and 2006. Please let me know what you think of this money movement strategy. I originally read about it in a book by the late Charles Givens. The author may have had some problems with his other ideas, regarding car insurance, but I think this strategy really makes sense and we should pay more attention to it.
I have a website where I am including free infromation about this and other wealth ideas. http://www.nobodytosomebody.com
A great book, ignore the misinformation.
More Wealth without risk was published in 1991. I read it for the first time in 1995.
Those who familiar with his books and the cases which were filed against him know that the people who sued him late in his life did not follow the strategies outlined in his books.
My only regret is that I did not pay attention to the Investor's decision line when the stock market crashed in 2000. I lost half of my 401k due to that oversite.
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