Buy new:
List Price: $19.99
Save: $7.31 (37%)
FREE Shipping
Get free shipping
Free 5-8 day shipping within the U.S. when you order $25.00 of eligible items sold or fulfilled by Amazon.
Or get 4-5 business-day shipping on this item for $5.99 . (Prices may vary for AK and HI.)
Learn more about free shipping
on orders over $25.00 shipped by Amazon or get Fast, Free Shipping with Amazon Prime
Arrives: Wednesday, Dec 9 Details
Fastest delivery: Friday, Dec 4 Details
Only 1 left in stock - order soon.
Your transaction is secure
We work hard to protect your security and privacy. Our payment security system encrypts your information during transmission. We don’t share your credit card details with third-party sellers, and we don’t sell your information to others. Learn more
Ships from
Sold by
Ships from

Sold by

Return policy: Returnable until Jan 31, 2021
For the 2020 holiday season, returnable items shipped between October 1 and December 31 can be returned until January 31, 2021.
The Affordability Factor has been added to your Cart

Have one to sell?
Loading your book clubs
There was a problem loading your book clubs. Please try again.
Not in a club? Learn more
Amazon book clubs early access

Join or create book clubs

Choose books together

Track your books
Bring your club to Amazon Book Clubs, start a new book club and invite your friends to join, or find a club that’s right for you for free.
Flip to back Flip to front
Listen Playing... Paused   You're listening to a sample of the Audible audio edition.
Learn more

Follow the Author

Something went wrong. Please try your request again later.

The Affordability Factor Paperback – August 31, 2009

5.0 out of 5 stars 2 ratings

See all formats and editions Hide other formats and editions
New from Used from
$12.68 $5.40

Books with Buzz
Discover the latest buzz-worthy books, from mysteries and romance to humor and nonfiction. Explore more
click to open popover

Enter your mobile number or email address below and we'll send you a link to download the free Kindle App. Then you can start reading Kindle books on your smartphone, tablet, or computer - no Kindle device required.

  • Apple
  • Android
  • Windows Phone
    Windows Phone
  • Click here to download from Amazon appstore

To get the free app, enter your mobile phone number.


Special offers and product promotions

Editorial Reviews


I ll set the stage for this remarkable, groundbreaking book by relating its key concepts and their practical application to a recent experience in my mid-life, having just turned 55. I sold my first motorcycle 33 years ago upon getting married and settling down (we also had no room to store it at our apartment complex), a decision I regretted almost immediately. Now happily remarried for almost 11 years, I ve been actively dreaming of owning a motorcycle again for the last 3 years but haven t been able to afford one until recently, although money has not been the obstacle. Without sharing the many details of this personal quest, it took me 3 years to be ready to purchase a vintage motorcycle, eventually finding one almost identical in make, year, and model to the one I first owned at age 15! Having just purchased the bike this past month, I am now in my mid-life celebration , riding the bike as I did in my youth, but with more wisdom and good sense. The life experiences of riding and restoring this beautiful bike are tangibly and symbolically fresh and renewing, as if the seemingly out of reach adventure I have been seeking suddenly knocked at my quiet suburban door! How was I able to launch this dramatic dream into present day reality, and how does this relate to The Affordability Factor ? Affordability is the psychological currency of change in our personal lives, without which we remain too poor to take appropriate and attractive risks, improve our lot in life, or embrace deeper changes within ourselves as human beings. In both a literal and figurative sense, Affordability is about creating space and readiness for the experiences and outcomes that we desire, but all too often deny ourselves due to emotional discomfort and self-doubt. Once any person increases his/her Affordability Factor , additional room and readiness are naturally available for movement to occur, whether we are talking about making a career decision, choosing a mate, publishing a novel, or finding and buying that vintage motorcycle! This seminal book is two-fold in its value: 1) You will understand the psychological underpinnings of the concept of Affordability ; and 2) You will master the tools for increasing the Affordability Factor in your own life, as well as facilitating growth in this enriching domain among others. At its essential core, this book will help you learn how to launch yourself toward your greater potential with an engrained sense of realistic confidence and determination, instead of allowing any blockages to inhibit your self-actualization or the goal attainment that naturally flow from increased maturation and freedom. A conference presenter told us recently that people generally find the means and strategies to accomplish their goals once they discover their passion with child-like enthusiasm and optimism (as opposed to the commonly held belief that people must first have the means at their disposal before they will become passionate about their dream). The Affordability Factor clearly ascribes to the former principle in that Dr. Williams provides the framework and action steps for unleashing inner passion and healthy power, thereby launching people toward their dreams and goals with determination to work out the subsequent ground level details. Accordingly, now that I have my dream machine in an overcrowded garage, I ll gladly create more space there so my wife can continue to store her car there this winter! Craig N. Piso, Ph.D., President, Piso and Associates, LLC --Craig N. Piso, Ph.D.

About the Author

Dr. Williams journey from orphan and foster child to Doctor of Education, nonprofit founder, and author has been both challenging and rewarding. Dr. Williams has proven that success can be attained when a person possesses commitment, tenacity, and integrity. In his career, he has fulfilled a multitude of roles, including direct care worker, foster parent, house parent, entrepreneur, nonprofit and for-profit organization founder, Chief Executive Officer, adjunct professor, scholar-in-residence, talk show host, and motivational speaker. At the age of 5, Dr. Williams and his eleven siblings lost their mother to a cranial aneurysm. From his mother s death until the age of 18, he was under the authority of the New York City foster care system, along with nine of his brothers and sisters. This experience left an indelible mark on his life and professional work. As an adult, he has labored continuously to offer options and opportunities to others that he and his siblings did not have when they were served by the human service system. Dr. Williams is proud to have earned two of his four graduate degrees from the nation s two oldest historically African American universities: a Master of Human Services (MHS) from Lincoln University of Pennsylvania and a Master of Public Administration (MPA) from Cheyney University of Pennsylvania. After receiving these degrees, he continued his studies at Strayer University, where he attained a Master of Business Administration (MBA). In August 2007, he earned a doctorate in education (Ed.D.) at Fielding Graduate University, submitting a dissertation entitled Exploring the Professional Development Experiences of Residential Child Care Workers as They Relate to Effectiveness and Retention. Since 1993, Dr. Williams has been the President and CEO of HumanWorks Affiliates, Inc., a cluster of nine corporations focused on human services. These corporations provide group homes, foster care/life sharing, supports for individuals living independently, leisure and recreation excursions, training and professional development opportunities, and gift arrangements. HumanWorks employs over 200 people and has an operating budget of over $10 million. Prior to 1993, Dr. Williams worked as a Director of Human Resources and Operations, Unit Director, Residence Manager, and Teaching Parent in organizations serving adults with mental health challenges, developmental disabilities, and dependent children. Dr. Williams is deeply interested in the area of personal and professional development and is committed to helping others realize their full potential. He devotes a great deal of time and energy to providing training and workshops for employees and community members in areas such as stress management, time management, ethics, conflict avoidance and resolution, and customer service and loyalty. Dr. Williams is the author of 4 books. A self-help book entitled The Navigator of Life, Management and Leadership by the 3Ps: Using Prompt, Pristine, and Particular Methods, The Mature 64: Living Life 8 x 8, Professional Professional Development of Child Care Workers, and Orientation and On Boarding of Human Services Direct Service Personnel and Its Effect on Retention. A weekly talk show hosted by Dr. Williams can heard on The Navigating Your Life Talk Show with Dr. Nathaniel J. Williams is all about empowerment, enlightenment, and encouragement to help its listeners to reach their full potential. The hour long show provides useful answers to the challenges and dilemmas of everyday life. Dr. Williams and his wife, Tade, reside in Lehigh County, Pennsylvania. They have seven children.

Product details

  • Paperback : 100 pages
  • ISBN-13 : 978-0981474243
  • Item Weight : 12 ounces
  • ISBN-10 : 0981474241
  • Publisher : HumanWorks Training and Educational Services, Inc.; First edition (August 31, 2009)
  • Language: : English
  • Customer Reviews:
    5.0 out of 5 stars 2 ratings

Customer reviews

5.0 out of 5 stars
5 out of 5
2 global ratings
5 star
4 star 0% (0%) 0%
3 star 0% (0%) 0%
2 star 0% (0%) 0%
1 star 0% (0%) 0%
How are ratings calculated?

Top reviews from the United States

Reviewed in the United States on September 28, 2009
One person found this helpful
Comment Report abuse
Reviewed in the United States on October 7, 2009
2 people found this helpful
Comment Report abuse