This book will give you specific information and strategies that you can use immediately to begin to make better financial decisions. The power and financial leverage you gain from managing your money properly is enormous. This book has been written to provide general financial information and reflects the author's opinion. | SPEND YOUR WAY TO WEALTH Mike Schiano ALLWORTII PRESS F. W Y R K Disclaimer This book has been written to provide general financial information and reflects the authors opinion. It is presented with the understanding that the author publisher and publishers agents are not engaged in rendering legal investment accounting or other professional services. If legal advice or other expert assistance is required the seivices of a competent professional person should be sought. If you need advice tailored to your particular financial or legal situation please contact a licensed attorney or financial advisor. Please note that federal state and local laws change often. We cannot be held responsible if any changes in those laws affect any information provided. The author publisher and publishers agents shall have neither liability nor responsibility to any person or entity with respect to any loss or damage caused or alleged to be caused directly or indirectly by the information contained herein. The information methods and techniques described may not work for you and no recommendation is made to follow the same course of action. Every effort has been made to verify the accuracy of all content contained herein. However there may be mistakes typographical mathematical or in content. 2003 by Michael J. Schiano All rights reserved. Copyright under Berne Copyright Convention Universal Copyright Convention and Pan-American Copyright Convention. No part of this book may be reproduced stored in a retrieval system or transmitted in any form or by any means electronic mechanical photocopying recording or otherwise without prior permission of the publisher. 08 07 06 05 04 03 6 5 4 3 2 1 Published by Allworth Press An imprint of Allworth Communications 10 East 23rd Street New York NY 10010 Cover design by Annemarie Page composition typography by Integra Software Services Pvt. Ltd. Pondicherry India ISBN 1-58115-272-8 Library of Congress Cataloging-in-Publication Data Schiano .
