I worked very hard on my hands and knees laying marble and saved all of my money for over ten years. I used to invest in CDs often loosing money to inflation. I am very conservative and must have a safe strategy if I am going to invest. This book has completely changed my investing strategy. My portfolio consists of mostly preferred stocks yielding an average of 9.75%. I have used leverage to raise my average yield to 14.30%!. I am now making over 14% and my portfolio liquidation value is currently only down .5 percent. Thank god for smashwords, this book, and the author. My life is changed forever!