About Joseph Éamon Cummins

Best-selling author Joseph Éamon Cummins is an organizational psychologist and educator.
To date Not One Dollar More! has sold over 100,000 copies. Established as a classic since its first edition in 1995, it has been lauded by readers, media and national consumer protection agencies for over two decades.
The new, completely revised 2018 edition (now available, purple and white cover) addresses many recent changes homebuyers need to be vigilant about.
The author is an independent consumer advocate and former real estate agent.
Also a writer of fiction, his recent psychological novel On the Edge of the Loch has reached #1 in five Amazon categories and has attracted over 70 4-star and 5-star reviews from readers around the world.
He is a lecturer in the area of achievement and personal development, and occasionally speaks on 'psychology in fiction' and related topics.

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Books By Joseph Éamon Cummins

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Not One Dollar More!: How to Save $3,000 to $30,000 Buying Your Next Home (New 2018 edition) Nov 25, 2017

by Joseph Éamon Cummins

( 29 )

$9.99

WHY YOU NEED TO READ THIS BOOK:
Almost all homebuyers pay too much for their homes - and never discover their misfortune! After all, who’s going to tell you? Think about it. Since 1995 this book has helped over 100,000 homebuyers to save money, avoid tricks and traps, buy safely the RIGHT home and get true peace of mind.

UNQUESTIONABLE HONESTY:
This book is trusted - because it’s honest. The author, a nationally recognized consumer advocate, has NO ties to any realty company or bank. You get NO sales pitch, NO up-sells, NO add-ons, NO guru seminars, NO ‘free gifts’ that nab your email address.
Just priceless advice.

This latest edition has new chapters on topics that confuse most homebuyers:
How to:
Negotiate persuasively but quietly
Be certain you get the best mortgage
Save thousands in how you repay your home loan
Engage a true agent to guide you through the entire buying process.

American Homeowners Foundation (represents America’s 70m homeowners) said of the first edition: ‘Few book writers can put money into your pocket, here’s one who can!’.

Tony Robbins said: ‘This book is extraordinary!’.

See Look Inside or click to Buy Now.

OVERPAYING AND OTHER TRAPS:
The risks come from the realty industry’s ‘fogginess’ - and buyer misconceptions. Whether you’re a first-time buyer, newly married, busy parent, property investor, or planning retirement, you’ll have one chance to:
Buy at the lowest price
Get the best home loan
Protect your income into the future
Avoid buying the ‘house from hell’.

REMEMBER, agents pledge to get the highest price for the SELLER. They try to extract this price out of you! Or sell you one of their own double-commission listings - while making it seem like you DON’T need an ally 100% loyal to YOU - in one of the biggest decisions of your life!

YOU DO!

Common buyer mistakes: Too little insider know-how, Falling for a bluff, Bending to pressure, Disclosing too much, Not demanding critical assurances - such mistakes can cost you many years of overpaying, many thousands of dollars.

But once again, WHO is going to tell you?

Even ‘Designated Agents’ pledge loyalty to their broker’s financial wellbeing - how can they serve your financial wellbeing at the same time?

The author recounts witnessing an ordinary homebuyer overpay by $100,000 - an exceptional, sad case that led him to write this book.

PROTECT YOUR FINANCIAL SECURITY!
Become a 'Smart Buyer’!
Know when you are not being advised in your best interest!

Now you can have the genuine, unbiased guidance you need!

This book shows you how!

Save time, stress and money on your home AND mortgage. For just $21 (ebook $10) it could be the smartest investment in your financial security and long-term peace of mind. Because Not One Dollar More! - packed with know-how homebuyers RARELY learn - is 100% pro-homebuyer!

See Look Inside or click the Buy Button now.

You’ll learn from true ‘House for Sale’ stories, real-life case studies, actual examples, and buyer mistakes that teach you and protect you. You’ll get confidence, peace of mind, good decision making, and KEEP lots more dollars in your pocket.

Many consumer advocates described this book as ‘THE BEST!’. It’s like nothing you’ve read.

Other Formats: Paperback

This title and over 1 million more available with Kindle Unlimited.

On the Edge of the Loch: A Psychological Novel set in Ireland Jun 18, 2016

by Joseph Éamon Cummins

( 56 )

$2.99

A Story Not For the Anxious Reader

How do you claim back a life that might have been? Or two lives? His, ‘lost’ on a dinghy street in Newark, at seventeen, when he was wild and driven by heart. Hers, ‘lost’ in motherless privilege, with something always gnawing, even after she abandoned it at twenty-one.

A decade later Tony MacNeill’s chance encounter with a graceful woman feels like a drug in his veins, a glimpse of the life that might have been his. In a tiny seafaring village in Ireland, Lenny Quin is a woman out of fantasy, almost undreamable. The lure of resurrection bonds them.

But after ten years of incarceration, the world inside his head is not the same. Aranroe village is an unfamiliar universe. And Lenny carries a darkness of her own — and danger, say locals. Can he deal with it, with her, or she with him — can they deal with love, if that’s what it is?

Or is this all in the mind, a distortion of the astonishing events of their lost decade, ever since hope and home fled from their youth?

Delusion or not, the soul she re-ignites in him carries an oath no power will defeat. He seeks no more trouble. But in this strange refuge, in search of nothing but spirit, warnings abound in their first meeting. And even as their fires fuse intimately, spine-chilling events force them apart, and secrets and silence fog what’s true.

Is the past too powerful a foe -- the present a path to doom? As old wounds re-open and new dreams collide, a series of nail-biting climaxes expose their secret stories, leading to an ending that cannot be imagined.

For all they might be together, and against all that divides them, Tony MacNeill must become unstoppable — one more time.

From Ireland to America to the underbelly of Baghdad, this psychological tale spins with surprises as it unveils the extremes driven people will go to, and the frailty and resilience of the human heart.

Buy it Now

If you feel tempted, please don’t reveal the ending, especially online
There is a ‘something’ in the final chapter that should be discovered through reading. Read slowly, the secret can be missed.

*** Contains a comprehensive author interview and 10-page Guide for Book Clubs, Teachers and Writing Students.

Click to Look Inside or Buy it Now

Other Formats: Paperback

This title and over 1 million more available with Kindle Unlimited.

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