Spend your way to wealth.pdf

YOUR WAY

TO WEALTH

Mike Schiano

$ PEND

Disclaimer: This book has been written to provide general financial information and reflects the

author’s opinion. It is presented with the understanding that the author, publisher, and pub-

lisher’s agents, are not engaged in rendering legal, investment, accounting, or other professional

services. If legal advice or other expert assistance is required, the services of a competent pro-

fessional 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 publisher’s agents shall have neither liabil-

ity 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, meth-

ods, 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.

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.

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Published by Allworth Press

An imprint of Allworth Communications

10 East 23rd Street, New York, NY 10010

Cover design by Annemarie Redmond

Page composition/typography by Integra Software Services Pvt. Ltd., Pondicherry, India

ISBN: 1–58115–272–8

Library of Congress Cataloging-in-Publication Data:

Schiano, Michael J.

Spend your way to wealth / Michael J. Schiano.

p. cm.

Includes index.

ISBN 1–58115–272–8 (pbk)

1. Finance, Personal. 2. Wealth. I. Title.

HG179.S265 2003

332.024–dc21

2003005549

Printed in Canada

Dedication

For my Mother,

The greatest example of unselfish caring, unconditional love,

and unlimited forgiveness anyone could ever have. Through you, God

gave me all of my gifts. You taught three sons how to work hard,

to be survivors during tough times, and to fully enjoy the good things

in life. I can only thank you a million times for all that you have

done for me in my life and continue to do.

I love you, Mom.

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