Choosing and Using an Hmo

ELLYN SPRAGINS encourages women to share their life's wisdom through books, products, and WHAT I KNOW NOW(TM) women's leadership seminars (www.letterstomyyoungerself.com). She wrote the "Love and Money" column in the "New York Times" business section for three years. She first edited five of these letters for an issue of "O, The Oprah Magazine," She lives in Pennington, New Jersey, with her family.

The Bloomberg Personal Bookshelf is a series of print products on personal finance that have been converted to 3-hour, two-cassette abridged audiobooks by DH Audio. Choosing and Using an HMO is an essential guide to a very difficult topic. The author has done a good job organizing her information, writing it and reading the final products. Spragins comes off as an expert. Furthermore, she successfully argues that the consumer needs this information. Anyone starting a family could benefit greatly HMO audiobook. It covers a lot of ground in a well-organized way. The audio is accompanied by a booklet of resources, worksheets and summaries. M.P. (c)AudioFile, Portland, Maine