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Wealth Without Risk (2011): The Guaranteed Solution to Your Financial Freedom Paperback – 1909

4.3 out of 5 stars 37 customer reviews

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Product Details

  • Paperback
  • Product Dimensions: 15.2 x 8.4 x 7.7 inches
  • Shipping Weight: 10.4 pounds
  • Average Customer Review: 4.3 out of 5 stars  See all reviews (37 customer reviews)
  • Amazon Best Sellers Rank: #3,726,450 in Books (See Top 100 in Books)

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Customer Reviews

Top Customer Reviews

Format: Hardcover
While many books have been written about personal finance, none have had the initial and lasting impact as has this great classic by the late, great Charles J. Givens.

Wealth Without Risk came out in late 1988, early 1989. No one knew these strategies. Nobody knew how to reduce their auto insurance. No one that you could get a lower interest rate on your credit cards just by asking. No one ever thought about using their home equity as an income stream. Only A.L. Williams people where teaching the folly of investing in (w) hole life insurance.

Nobody knew how car insurance and automobile dealers were ripping people off. And no one knew how to really use their 401 (k) plans at work or their IRA. Tell someone you opened a self directed IRA and they would say "what the heck is a self-directed IRA?" They thought it was like a missile that was aimed at you!

Nobody knew that you could make 20% in mutual funds and invest without paying commissions. And only a handful of us knew about tax liens certificates and discounted mortgages.

There were a few other financial authors out there like Venita Van Caspel and Robert Allen. Only Allen came close to offering the results Givens offered and Allen was limited to real estate investing (I highly recommend Robert Allen as well)

Although I would recommend the newer More Wealth Without Risk over this older version, the original Wealth Without Risk is also packed with information that can positively impact your bottom line.

Don't be surprised if you find resistance with certain financial people. Even though this book came out over 17 years ago, little in the financial world has changed. When people have their hands in your pockets, guess what their primary interest is?
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Comment 24 of 24 people found this helpful. Was this review helpful to you? Yes No Sending feedback...
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Format: Paperback
1st of all, I will start by saying tax lien and deed investing is real and can work, but be honest Saen, it's just not that simple. I Started investing in 2001 myself, liens and deeds. These materials are full of partial truths, but lacking in key pieces of info needed for a clear picture. They will tell you, "well it's not working cause you didn't do your due diligence". I can say this with all honesty because not only have I years and years of investing experience, but, once I worked for a seminar company that sold Saen's educational materials. I was one of those hotline tutors and a coach for those who paid thousands for additional mentoring. Fact. It is very difficult to actually buy a lien on a property of value and accrue 16 to 24% interest. Why? Most of those liens are paid off just before auction by the owners mortgage companies or other investors much bigger than one person. The few left of value that go to auction, are auctioned off to the persons who will accept tho lowest interest rate. Thats right, the interest rate is bid down. Saen will tell you the so called easy solutions to this, "Avoid auctions by buying the liens leftover from the auction". He's right you can do this. The part that is not mentioned, is that the liens that are leftover, were leftover for a reason, They suck. No one wants them. Sure buy the liens and foreclose. Now you paid thousands for property of no value. Swamp land. Flooded land. or most commonly found. Parcels of land 1ft by 3ft. Enjoy.
Lets say that you actually do find a lien on a parcel of value after the auction so your rate really is 16, 18 or 24% . The county will let you buy the lien, as long as you pay them a lien purchasing fee of 10, 15 or 25$ which said fee does NOT accrue interest.
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2 Comments 16 of 16 people found this helpful. Was this review helpful to you? Yes No Sending feedback...
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Format: Hardcover
Where do I begin? I had a tiny, home-based business at the time, when I bought this book. I lived in a tiny house in a miserable Northern State that I will not mention. At that time, 10 years ago,I had absolutely NO idea what I was doing when it came to my money. I needed serious help! 10 years ago, I bought this book. This book, along with Charles Givens other books, "MORE Wealth without risk" and "Financial Freedom" have been my financial bibles for the past 10 years. Along with my own hard work and determination, my business has grown substantially and these books have seriously played a role as a building block for what I now have today. A beautiful home and a pool in sunny, tropical FL. My dream life and dream home. I cannot believe this book is out of print! I still refer to this book today. A few of the topics are outdated for 2000 but the overall message is unavoidable and timeless! "Wealth Without Risk" is NOT a get-rich-quick scheme. It simply covers the financial basics in simple English and is well written. I am guilty of a short attention span and the chapters of "Wealth Without Risk", "Financial Freedom" and "More Wealth Without Risk" are short and to-the-point. Everything from uncrupulous car dealer and life insurance schemes to advice on taking business deductions. I have learned from this book! Scads of simple, down-to-earth answers to common questions you were afraid to admit that you did not know. Alternately, in my opinion, Givens lost his steam with "Super Self". I bought it and was wholley disappointed.
Comment 16 of 17 people found this helpful. Was this review helpful to you? Yes No Sending feedback...
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