Thank you for visiting LakeMichiganWebCam.com. I put this site up to show off the beauty of the lake and beach area in SW Michigan (Jean Klock Park specifically).
When I decided to put the site up, I knew it would be a good place to educate people on various subjects. I’ve written six different books, all with their own unique/interesting subject matter. They are listed below with a summary on each.
I don’t make money selling books and I’m mostly interested in educating the general public. As such, if you are interested in educating yourself using one or more of my books, simply e-mail me at email@example.com and I’d be happy to e-mail you a PDF of my book(s) for FREE. If you want to buy printed versions, click here.
Roccy DeFrancesco, Jr.
Bad Advisors: How to Identify Them; How to Avoid Them (www.badadvisors.com)
If you had any idea how bad 95% of the advisors (financial planners, insurance agents, etc.) are, you’d never sleep (and yes that means the chances are 95% that your current advisors are what I would call a “bad advisor.” If you want to learn the biases, contractual restrictions, and other reasons why most advisors are bad, you need to read this book.
Peace of Mind Planning: Losing Money is No Longer An Option (www.nolongeranoption.com)
Have you ever lost money in the stock market and wanted to learn why and how to avoid it? This is the book for you. People should be growing wealth in the least risky manner possible and that can’t be done with mutual funds, bonds, stocks, RIETs, etc. To learn why and to learn less risky ways to grow wealth with acceptable returns, this is your book.
Retiring Without Risk (www.retiringwithoutrisk.com)
While the above book focuses on investing in the market, this book focuses on other alternative wealth building tools that have “guarantees.” I cover two main tools in the book; one for someone under 55 that allows money to grow tax-free and come out tax-free with no risk of loss; the other is for people 55 and older who would like a guaranteed rate of return of between 6-7% coupled with a guaranteed lifetime income stream that can never be outlived.
The Home Equity Acceleration Plan (HEAP) (www.heaplan.com)
Everyone hates paying their mortgage. Most people would like to pay off their mortgage early if financially possible. My HEAP book explains a simple, powerful, and virtually unknown mortgage acceleration plan that will help home owners pay off their mortgage 5, 10, 15+ years early with a plan that won’t change their lifestyle, has no cost, and no risk. Don’t believe me? Email me for a copy of the book and read it for yourself.
The Home Equity Management Guidebook:
How to Achieve Maximum Wealth with Maximum Security
You may find this odd, but this book is the exact opposite of my HEAP book. The following book explains why it’s not a good financial decision to pay off your mortgage early and show you how to leverage your home to grow maximum wealth.
The Doctor’s Wealth Preservation Guide (this book is not available in PDF).
This was the first book and most comprehensive book I’ve written (350+ pages). It is mainly a book for business owners who want to learn how to protect their wealth from creditors, reduce taxes, fix their financial plans, and learn how to run a more financially sound business. While there are a few things in the book that are unique to doctors, most of what’s in the book applies to any small to medium sized business.
The Medicaid Planning Guidebook (this book is not available in PDF).
I didn’t write this book, but I edited it and published it. I’m not joking when I say it’s the best book ever written on this very important subject matter. Whether you are an estate planning attorney, CPA, or an elderly person (or a relative of one) who may have Medicaid planning problems, this is a must-read. Medicaid planning, for those who don’t know, is the proper use of our laws to reposition a person’s assets so they can qualify for financial assistance for nursing home expenses. Without proper planning most people will have to spend down their available assets $2,000 before being able to qualify for Medicaid.